MONDAY MONEY TIP PODCAST: Top Money Questions - April 2019

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Welcome back to another episode of the Monday Money Tip Podcast! It’s the last Monday of April so we’re answering the top money questions from our listeners from this month. Today’s questions will range from car loan interest to debt consolidation loans. We will also discuss unemployment rates during our Current Money Events portion of the podcast. Lastly, we will share a success story from a couple who was able to lower their cable bill and mortgage interest rate!

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take the next step, and that you’ve had FUN with us!

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:

iTunes
Stitcher
Spotify
Website
YouTube

About the Episode:

  • It’s the last Monday of April! We’re going to answer your top money questions from this month. Today’s questions range from interest on car loans to being laid off to debt consolidation loans.

  • Hear about current unemployment rates in our Current Money Events portion of the podcast.

  • We will share a success story from a couple who was able to lower their cable bill and mortgage interest rate to free up cash for high-interest debt.

  • Learn the difference between term and whole life insurance and which is better for you.

Resources:

IWBNIN Free Tools
Bureau of Labor Statistics
Unemployment Rate Article
IWBNIN Book
Episode 14
Episode 15
Oxen Book
IWBNIN Ladder
Voya Retirement Calculator
Fidelity Retirement Calculator
IWBNIN Retirement Nest-Egg Calculator

MONDAY MONEY TIP PODCAST: Spring Clean Your Money

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Episode 42 of the Monday Money Tip Podcast is LIVE! This week, we are going to discuss some different ways that you can “spring clean” your finances and even eliminate some expenses in time for summer. In our Current Money Events portion of the podcast, we will revisit some ways that you can have a debt-free vacation this year! Finally, we will share a success story from an individual who recently attended one of our live speaking events and paid off his car!

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take the next step, and that you’ve had FUN with us!

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:

iTunes
Stitcher
Spotify
Website
YouTube

About the Episode:

  • We will discuss how to have a debt-free vacation in our Current Money Events segment.

  • Hear a success story from an individual who attended one of our live events and has since paid off his car and saved a months worth of his salary.

  • We will explain some different ways to “spring clean” your finances this season.

  • Learn how to let go of some unnecessary expenses in time for summer.

Resources:

IWBNIN Next Steps: Insurance
Mini-Budget Tool
IWBNIN Ladder
8 Tips to Spring Clean Your Finances Article
8 Tips to Spring Clean Your Finances Article 2

Quote of the Day: “Have nothing in your house that you do not know to be useful, or believe to be beautiful.” - William Morris

MONDAY MONEY TIP PODCAST: Tax Issues You Should Know

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Today is tax day in the United States! On today’s episode of the Monday Money Tip Podcast, we want to share the top two or three things that you should pay attention to in regards to your taxes this year. We will discuss historical growth in the stock market in our Current Money Events portion of the podcast. Lastly, we will share a very special success story from a group of individuals who participated in our group study and was able to save over $10,000 and pay off over $14,000 in debt!

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take the next step, and that you’ve had FUN with us!

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:

iTunes
Stitcher
Spotify
Website
YouTube

About the Episode:

  • In our Current Money Events segment, we will discuss historical growth in the stock market.

  • Hear a success story from a group that participated in our small group study and saved over $10,000 and paid off over $14,000 in debt.

  • We will share the top two or three things that you should pay attention to when it comes to taxes.

Resources:

IWBNIN Debt Calculators
Compound Annual Growth Calculator
IWBNIN Group Study
Paycheck City Calculator


Quote of the Day: “The only difference between death and taxes is that death doesn’t get worse every time Congress meets.” - Will Rogers

MONDAY MONEY TIP PODCAST: Money Inspiration

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Another episode of the Monday Money Tip Podcast is LIVE! We know that money is not just a moment, it’s a journey. Along the way it can be very easy to get discouraged and want to give up. Today we want to share different ways that you can stay inspired on your money journey! We will discuss current mortgage, saving and CD rates in our Current Money Events segment and share a success story from an individual who got a renewed perspective on budgeting.

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take the next step, and that you’ve had FUN with us!

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:

iTunes
Stitcher
Spotify
Website
YouTube

About the Episode:

  • We will give you a quarterly update on current mortgage, saving and CD rates.

  • Hear a success story from an individual who got a renewed perspective on budgeting and a kick-start on her financial freedom journey.

  • Learn ways to stay inspired while on your money journey.

  • We will explain the importance of calculating your net worth at least annually.

Resources:

0% Balance Transfer Credit Card
IWBNIN Next Steps: Banking
IWBNIN Ladder
Debt Snowball Video
Net Worth Calculator

Quote of the Day: “When you convert ''inspiration” into “action”, you position yourself to prosper!” - Joe Sang

MONDAY MONEY TIP PODCAST: "Fool"ish Money Mistakes

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Another episode of the Monday Money Tip Podcast is LIVE! In honor of April Fool’s Day, we will be sharing some of the most FOOLISH money mistakes that people can make. We will share some right now relevant information about taxes in our Current Money Events segment of the podcast as April 15th is right around the corner! We also have a success story from a listener who used a 0% balance transfer credit card to gain debt relief in her money journey.

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take the next step, and that you’ve had FUN with us!

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:

iTunes
Stitcher
Spotify
Website
YouTube

About the Episode:

  • We will talk about tax day in our Current Money Events segment.

  • Hear a success story from an individual who used a 0% balance transfer credit card for debt relief in her money journey.

  • We will share some of the most foolish money mistakes that people make.

  • Learn how an online savings account can help your money work for you.

Resources:

IWBNIN Ladder
IWBNIN Next Steps: Banking
Mini-Budget Tool
Maximize Your Tax Refund
Budget Challenge
0% Balance Transfer Credit Card
IWBNIN Next Steps: Investing
Oxen Book
Rat Cat Book





MONDAY MONEY TIP PODCAST: Top Money Questions - March 2019

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Happy Monday! Today on the Monday Money Tip Podcast we will be answering your top money questions for the month of March. Questions today will range from credit cards to emergency funds to bankruptcy. In our Current Money Events segment we will discuss the current U.S. National Debt and explain what you can do to help! Finally, we will hear a success story from an individual who got her finances in order and gained a vision for her financial future.

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us!

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:

iTunes
Stitcher
Spotify
Website
YouTube

About the Episode:

  • Get an update on the U.S. National Debt and find out how you can help reduce the deficit.

  • Hear a success story from an individual who got her priorities in order and now has a vision for her future.

  • We will be answering your top money questions from the month of March. Today’s questions range from credit cards to emergency funds to bankruptcy.

  • Learn the Rule of 72 and how it relates to the growth of your investments.

  • We will explain what dollar-cost averaging is and how it benefits you as an investor.

Resources:

IWBNIN Free Tools
IWBNIN Ladder
IWBNIN Next Steps: Banking


Quote of the Day:
“The man who asks a question is a fool for a minute, the man who does not ask is a fool for life.” - Confucius



MONDAY MONEY TIP PODCAST: Joe's Current Investments

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Welcome back to another episode of the Monday Money Tip Podcast! This week, we will discuss the stock market in our Current Money Events segment and you’ll hear the “Joe Sangl” approach when it comes to investing and the diversification of income. Lastly, we will share a success story from a listener who created financial margin in her life and even forgot it was payday!

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us!

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:

iTunes
Stitcher
Spotify
Website
YouTube

About the Episode:

  • Hear a stock market update in our Current Money Events segment.

  • We will share the “Joe Sangl” approach of how to diversify income.

  • Hear a success story from an individual who created financial margin in her life and forgot it was payday.

Resources:

IWBNIN Saving & Investing Tools
Oxen Book
Social Security Calculator
Net Worth Calculator
Charles Schwab


Quote of the Day:
“The Bible says in 2 Corinthians 9:6 that if you sow generously, you will reap generously. If you sow sparingly, you will reap sparingly. But what if you sow nothing at all? I suspect you will reap nothing!” - Joe Sangl

Change Your Mindset On Budgets

What thoughts or emotions come to mind when you think about creating a budget? Frustrating? Horrible? Painful? I’d rather go to the dentist for a root canal? This used to be my mindset on budgeting so I completely understand every negative emotion that you feel. However, when I decided to change my financial future I knew that the key to this was a budget. In order to actually create a budget and follow through with it, I had to change how I viewed a budget and I’m here to tell you that you can too.

If you want to change your mindset on budgeting you first have to realize what a budget really does. It is not meant to be restrictive or remind you that there is never enough. What a budget really does is the opposite. A budget allows you to actually decide where it wants to go instead of wondering where it went! This is HUGE! A budget gives you control. A budget allows you to manage your money and ultimately fund dreams. I don’t know about you but I would much rather fund my dreams instead of going to the dentist for a root canal.

Instead of looking at a budget as a worthless process, start to think about what a budget can do for you. Write down your dreams. Do they cost money? How are you going to get that money? A budget. Once you start looking at a budget as a way to make your dreams a reality, any negative thoughts will become a thing of the past.

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Want more tips like this one?  Subscribe to the Monday Money Tip Podcast HERE.

MONDAY MONEY TIP PODCAST: Bite-Sized Debt

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Happy Monday! Another episode of the Monday Money Tip Podcast is live and this week we will share with you how you can break down your debt into bite sized pieces. We will give you updated statistics about the average student loan payment and more in our Current Money Events segment. We will also share a success story from an individual who saved money in her budget by simply asking for a better deal.

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us!

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:

iTunes
Stitcher
Spotify
Website
YouTube

About the Episode:

  • Learn about the median and average debt payments in America.

  • Hear a success story from an individual who cut the fat in her budget by looking at things differently and not being afraid to ask for a better deal.

  • We will discuss how to make debt more manageable and create a plan of attack by breaking it down into bite-sized pieces.

Resources:

Debt Freedom Date Calculator
American Housing Survey
Average Student Loan Payment
Credit Card News Article
Credit Card Minimum Payment Calculator
Annual Credit Report
0% Balance Transfer Credit Card
I Was Broke. Now I’m Not. Book
Debt Snowball YouTube Video
IWBNIN Ladder
Debt Pay-Off Spectaculars


Quote of the Day:
“Persistence is essential to accomplishment.”





401(k)'s Explained

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I’m sure by this point you know it is very important to save into a retirement account so that at one point you can stop working. But this can be confusing to navigate when you are unsure of what the different accounts are and how they work. The numbers and letters are thrown around so often it can be easy to feel like you should just KNOW what everything means. But what exactly is a 401(k)? 

Simply put, a 401(k) is a retirement savings plan that comes from Section 401 part k of the IRS tax code. It is what is known as a “pre-tax” investment which means that generally you are able to deduct annual contributions on your taxes each year. Once the money is in the account, it grows tax-free until you withdraw the money. At that point, you will have to pay taxes on your initial investment and also any growth that has accumulated. 

If your employer has a 401(k) available for you to invest in, most times they will also offer a match up to a certain percentage. For example, some employers may match dollar for dollar up to 6%. So if you invest 6% of your paycheck into your 401(k), your employer will match that 6%. That’s FREE money! 

401(k)’s can be a fantastic vehicle to accumulate money for retirement. While it can be confusing with so many different types of accounts the key is to get started saving and never turn back! 

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Want more tips like this one?  Subscribe to the Monday Money Tip Podcast HERE.

MONDAY MONEY TIP PODCAST: 15 Words That Describe Budgeting

Happy Monday! This week on the Monday Money Tip Podcast, we’re going to discuss how you can change your mindset when it comes to budgeting. We know that the thought of a budget can create many negative thoughts and emotions so we want to share some alternative words and phrases you can use to combat those feelings. In our Current Money Events segment, we will share with you how you can “spring clean” your money to experience clarity and financial margin. Lastly, we want to share a success story from an individual who was able to prevent debt even in the midst of multiple financial emergencies. 

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us! 

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

How Interest Rates Work

I’m sure you have seen interest rates on a variety of different credit cards, car loans, student loans or other lines of credit. But what do these numbers mean? An interest rate is simply what you are being charged on a loan. For example, if you take out a $25,000 car loan at 5% interest, you will not only owe the original $25,000, but you will also owe an additional $1,250 in interest over the life of the loan. 

Alternatively, interest can work in your favor and tell you how much you will be paid on your money. Different savings accounts, CD’s and investment vehicles tell you exactly how much interest you will be paid by putting your money in that specific account. 

If you are looking to find out how you can get interest working in your favor, check out the list of online banks and investment vehicles that we recommend HERE on our website. 

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Want more tips like this one?  Subscribe to the Monday Money Tip Podcast HERE.

MONDAY MONEY TIP PODCAST: Top Money Questions – February 2019

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Welcome to Episode 34 of the Monday Money Tip Podcast! It’s the last Monday of the month, so we’re answering your top money questions. This week, our questions range from 401(k)’s to purchasing a house to how to get started investing in the stock market. During our Current Money Events portion of the podcast, we’ll give a real estate update and discuss current home prices. You’ll also hear a success story about how a budget changed one listener’s life in just one month. 

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us! 

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:
iTunes
Stitcher
Spotify
Website
Youtube

Show Notes

About the Episode:

  • Joe will discuss real estate and home prices in our current money events segment. 

  • Hear how budgeting for just ONE month changed a listener’s life forever. 

  • Joe and Megan will answer your top money questions from this month. 

Resources:
IWBNIN Tools
Market Trends Article
U.S. Census Bureau
Median and Average Home Prices
IWBNIN Ladder
Social Security Administration
IWBNIN Next Steps: Investing
Investment Value Calculator
Oxen
Joe’s Blog

Quote of the Day: “The man who asks a question is a fool for a minute, the man who does not ask is a fool for life.” – Confucius

How Do Payday Loans Work?

I have two words when it comes to payday loans: RIP OFF! This type of lending is what I would classify as TRBL debt. T-R-B-L. Terrible. This type of lending is awful, and it should be illegal! So how do these loans work exactly? 

First, these businesses set themselves up in sections of town where people have little money and little education. They prey on people who are in a financial bind and offer small loans of 200 or 300 dollars and then charge exorbitant amounts of interest. I have seen some interest rates as high as 782%! 

As if paying these ridiculously high-interest rates wasn’t enough, these companies also force people to refinance these loans as often as every two weeks. This means that people are being continuously charged refinance fees on top of the crazy interest rates! Do you agree with me now? This type of lending should be illegal! 

No matter how bad you think your financial situation is, I strongly urge you, do NOT fall victim to a payday loan. This type of lending is designed to trap you into a situation that you literally cannot win! Don’t let this happen to you! 

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Want more tips like this one?  Subscribe to the Monday Money Tip Podcast HERE.

MONDAY MONEY TIP PODCAST: How To Never Have A Car Payment

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Another episode of the Monday Money Tip Podcast is live! Many people believe they will always have a car payment but we’re here to tell you that this is simply not true. On today’s episode, we’ll share what you can do in order to never have another car payment. In our Current Money Events segment, we will cover the volatility in the stock market and later hear a success story from a woman who became debt-free including her mortgage! 

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us! 

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:
iTunes
Stitcher
Spotify
Website

Show Notes

About the Episode:

  • We’ll share what you can do in order to never have another car payment. 

  • Get an update on the stock market in our Current Money Events segment. 

  • Hear a success story from Diane, who paid off all her debts including her mortgage. 

  • Hear how depreciation can (and will!) affect your vehicle’s value. 

Resources:
I Was Broke. Now I’m Not. 
Oxen Book
Known, Upcoming Non-Monthly Expenses Calculator
CarFax Article
Investment Value Calculator

Quote of the Day: “If you think no one cares if you’re alive, try missing a few car payments.”

Have A Debt-Free Vacation With This Tool

Are you going to take a vacation this year? My guess is that your answer is YES. You have probably already decided when and where you want to go and have started dreaming about it. Now, how are you going to fund this vacation you’ve dreamed up? If you start planning now, you could fund it with cash! 

By planning ahead of time, you can more accurately see just how much each aspect of your vacation will cost. You can anticipate travel, gas, lodging, food, entertainment and other expenses. Once you know how much your vacation is expected to cost, you can save money ahead of time! 

We recommend using our Mini-Budget Tool to plan your vacation spending. You can really plan your vacation three different ways to see different scenarios and how they affect your bottom line. If you spend your money on paper, you can stay within budget during the trip. 

Setting a budget and planning ahead of time is key to having a debt-free vacation. And I guarantee you, a debt-free vacation is a million times better than the alternative. You can have all the fun with your family without the stress of the incoming credit card bill. 

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Want more tips like this one?  Subscribe to the Monday Money Tip Podcast HERE.

MONDAY MONEY TIP PODCAST: Maximize Your Tax Refund

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This week on the Monday Money Tip Podcast, we’re sharing what you can do in order to maximize any tax refund that you may receive this year! We know that many people will receive a tax refund and we want to make sure you are able to maximize any money that comes your way! In addition, we will be sharing a success story from a man who created a budget and was able to pay off three medical bills and begin tithing consistently! 

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us! 

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:
iTunes
Stitcher
Spotify
Website

Show Notes

About the Episode:

  • Hear a success story about a man who has paid off three medical bills since attending a Financial Learning Experience. 

  • Get advice on what you should do with your tax refund this year. 

  • We’ll share how you can use our Mini-Budget Tool to make decisions about your tax refund. 

Resources:
IWBNIN Next Steps
IWBNIN Ladder
Mini-Budget Tool

Quote of the Day: “When you tell your money where to go, you’ll never have to wonder where it went.”

How Much House Can I Afford?

Are you looking to purchase a home in 2019? Many people buy a house outside of their price range and end up in a huge financial mess. This doesn’t have to be you! Before you get ready to purchase a house, you should check out our Mortgage Payment Calculator to help you decide how much house you can really afford. 

Before you purchase a house, you should consider a couple of things:

  • How much should you spend on housing? Generally speaking, you should spend about 25% of your take home pay on housing. This amount can change depending on the amount of debt you carry. If you have no debt, you can likely accommodate up to 33% of your take home pay on housing. If you have a high amount of debt, you should probably only spend about 18-20% of your take home pay on housing. 

  • How much of a down payment should you have? You should put down AT LEAST 5% down on a house. 

  • How much should you borrow to buy a house? Generally, you could spend between two to three times your annual income on a home. This means if you make $75,000 a year, your mortgage should range from $150,000 to $225,000. 

Once you have this calculator pulled up, all you have to do is enter the expected interest rate, the number of months of the mortgage period and the amount of the expected loan. You can use estimates to calculate potential mortgage payments. You can then use this number to help you decide how large of a mortgage payment your budget can really accommodate. 

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Want more tips like this one?  Subscribe to the Monday Money Tip Podcast HERE.

MONDAY MONEY TIP PODCAST: Top Money Questions

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We’ve made it to the last Monday of January! That means that this week on the Monday Money Tip Podcast, we will be answering the top money questions from our listeners. Questions this week will range from payday loans to how credit scores really work. We’ll share the importance of having a clear financial vision for your future. Lastly, you’ll hear a success story from a woman who previously relied on bank overdrafts to make it from month to month. 

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us! 

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:
iTunes
Stitcher
Spotify
Website

Show Notes

About the Episode:

  • Joe will share the importance of having a clear financial vision for your future. 

  • Hear a success story from a woman who previously relied on bank overdrafts to make it from month to month. 

  • We’ll answer rapid fire questions asked by you! These questions range from payday loans to how credit scores work. 

Resources:
IWBNIN Free Tools
Mortgage Payment Calculator

MONDAY MONEY TIP PODCAST: All About Budgeting

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Are you ready to get your budget under control? In Episode 29 of the Monday Money Tip Podcast, you can do just that! We’re here to share with you how they make budgeting EZ each and every month. We will also share some statistics about the average car payment that may shock you! Our success story this week comes from a participant of our last budget challenge and you’ll hear how it changed her life! 

It’s our goal at the end of each episode that you gain hope and encouragement in your financial journey, you’re equipped to take a next step, and that you’ve had FUN with us! 

Find the Monday Money Tip Podcast HERE. Please let us know what you think by leaving us a rating!

Email info@iwbnin.com to ask questions or share success stories.

NOW AVAILABLE TO DOWNLOAD:
iTunes
Stitcher
Spotify
Website

Show Notes

About the Episode:

  • Hear some alarming statistics about the average car payment. 

  • Megan shares an exciting story from one of our last Budget Challenge participants. 

  • I share how you can become good at budgeting. 

  • Learn the key to budgeting with irregular income. 

Resources:
IWBNIN Next Steps – Insurance
Average Car Payment Article
Budget Tools
Budget Challenge

Quote of the Day: “The plans of the diligent lead to profit, as surely as haste leads to poverty.” – Proverbs 21:5