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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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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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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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

Debt Freedom Date Calculator

Are you ready to pay off some serious debt in 2019? To say “goodbye” to the car payment, Sallie Mae and credit cards? If you said yes, the Debt Freedom Date Calculator found HERE on our website can really help you. This tool combined with the Debt Snowball Technique is how I became debt free and you can too! 

Step One: Identify All Debts Owed (Lender, Amount Owed, Monthly Payment)

Make sure you list out all of the debts that you owe and how much each one is. You can check your credit report just to double check that you have no outstanding debts that you may have forgotten about. 

Step Two: Sort Debts By Amount Owed (Smallest to Largest)

List your debts out by sorting the debts from smallest to largest by the amount owed. Make sure you have sorted by the amount owed and not the payment amount. 

Step Three: Pay Minimum Payments on All Debts, Except The Smallest Debt

Make the minimum payment on all of the debts except the smallest one. It can be very tempting to start to attack your credit card bills or car payment but if that is not the smallest amount you owe, make minimum payments for now. 

Step Four: Apply Any Extra Money to Smallest Debt

If you have leftover money in your budget, apply that to the smallest debt that you owe. The quicker you can see a victory, the more effective this technique will be! 

Step Five: When Smallest Debt is Eliminated, Add Its Monthly Payment to Next Smallest Debt

Once you have paid off the smallest debt, take the payment you were allocating towards it, and apply it to your next smallest debt. That way, as you pay off more and more debts, you’re creating a debt snowball! 

If you would like more information on this topic, check out this quick YouTube video HERE where I explain the technique and give visual examples. 

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MONDAY MONEY TIP PODCAST: 8 Ways to Speed Up Debt Elimination

This week on the Monday Money Tip Podcast, we’ll be sharing eight ways that you can speed up your debt elimination process this year. If you made a New Year’s resolution to pay off debt, this information can help you make some significant headway! I’ll also check in on your other resolutions that you made at the beginning of the month and share how your daily habits can help you accomplish these goals. We also have a success story from one of our Savings Challenge participants who saved $6,000 in their annual budget! 

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:

  • I share how you can carry your New Year’s resolutions throughout the year by focusing on your daily habits. 

  • Megan and I discuss eight specific things you can do to gain significant traction in your debt payoff journey. 

  • Hear a success story from participants of our last Savings Challenge who saved $6,000 in their annual budget. 

Resources:
0% Balance Transfer Credit Cards
Annual Plan Tools
Budget Challenge
Savings Challenge
Episode 26
Episode 27
Salary.com

Quote of the Day: “I’ve never seen anyone achieve financial freedom by obtaining lots of credit card points and airline miles.” – Joe Sangl

Debt Payoff Spectaculars

Did you make a resolution this year to finally off that debt that has been hanging over your head? Once that debt is gone, that payment will be freed up for you to start making progress towards your plans, hopes and dreams. If you need a visual tool that can help you gain traction in your debt freedom journey, you should check out our Debt Payoff Spectaculars found HERE on our website. 

These spectaculars are incredibly easy to use and can give you a visual representation of your debt being paid off. All you have to do is take the amount of debt you owe, and divide that by the number of squares on the payoff spectacular. This will give you the amount of debt that each square represents. Each time you make a payment in that amount, color off a square! 

While it may sound simple, there is something cathartic about visually marking that debt out of your life. If you’re paying off a truck, you can physically see the amount of that truck that you now own and you will find yourself wanting to color more and more squares. You might even go crazy and adjust your budget to cut your spending and allocate more towards debt! 

Check out our Debt Payoff Spectaculars HERE

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

MONDAY MONEY TIP PODCAST: Sustaining Goals

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Welcome to 2019 where the Monday Money Tip Podcast will be live every single Monday! We hope by sharing tips and encouragement each Monday that 2019 can be your best financial year yet! To start us off, this week we’re discussing how you can actually sustain your New Year’s resolution instead of ditching it by February. We also have a success story from a man who paid off $70,000 in credit card debt and we will ask Joe some fun hot seat questions! 

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 how you can create and actually sustain goals in 2019 by celebrating milestones along the way. 

  • Megan shares a success story from Michael who paid of $70,000 in credit card debt. 

  • Joe shares the importance of meeting with a financial coach, sharing your journey and being a continual learner. 

Resources:
IWBNIN Next Steps
Upcoming Events
Oxen
Mint
Personal Capital

Quote of the Day: “If you discover ways to sustain good financial decisions over years, even decades, you’ll never lack for anything.” -Joe Sangl

How to Have The Best Financial Year Ever

Are you tired of feeling “stuck” financially? Are you ready to start making significant moves in your financial journey and even have your best financial year ever? There is no better time than 2019 to achieve just that. You still have a couple days to add your financial goals to your list of New Year's Resolutions. 

You can start by identifying your current status. We know that most people can identify with one of the three categories: struggling, stable, or surplus. Once you know where you fall, you can clearly determine your next steps. 

Here at I Was Broke. Now I’m Not., we follow a financial ladder in order to have a fully funded life. Check out a copy of the ladder so that you can identify what rung you are currently on and what your next step is. CLICK HERE TO DOWNLOAD YOUR COPY TODAY!

If you feel like you are in the strugglingcategory, you should strive to achieve rungs one, two, and three this upcoming year. In doing so you would have set goals, built financial margin with a baseline savings account and start to see your money working for you in your investments. 

For those who identify with the stablecategory, you should be position yourself to be able to move to the surplus category. You can do this by completing rungs four and five of the ladder. If you were able to complete those two steps in 2019, you would have eliminated all of your non-house, non-business debt (bye credit cards!) and have built up significant margin with three months worth of expenses in savings. This will allow you to launch into the next category and upwards on the ladder. 

If you are currently enjoying the blessings of the surpluscategory, you are almost ready to live a fully funded life and have the ability to positively impact the lives of all those around you. At this point, you can strive to achieve rungs six, seven, and eight of the ladder. You will not only be debt free, but you will also be investing 30% of your gross income into investments. 

You should also set five key financial goals for the year.If you don’t set any goals, you are far less likely to accomplish anything at all. Consider setting goals in each of the following categories: income, giving, saving, investing and debt elimination. I explain each of these in detail Episode 25 on the Monday Money Tip Podcast. You can check it out HERE

Once you have set your goals, make sure you establish accountability.If you share your goals with someone who has similar goals as you, you will be less likely to falter and give up along the way. Many people have workout buddies when they are trying to get into shape. Consider this a workout buddy for your finances! 

Lastly, make sure you are taking steps to increase your financial education.This step is not one that ends in 2019 but should be continued year after year. Read some financial books, hire a financial coach. Start learning and don’t ever stop. You won’t regret it. 

No matter where you are financially, you can make significant strides this upcoming year and position yourself to prosper. Make 2019 the year that you accomplish more than you ever did before on your financial journey. 

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

MONDAY MONEY TIP PODCAST: Christmas 2018 Special

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Merry Christmas Eve! Today on the Monday Money Tip Podcast, I’m sharing how you can balance striving for future goals while still being content with what you currently have. We’ll talk about our R&R at the end of the year and goals you should consider for next year. We will also share a very special success story and a big announcement about the future of the Monday Money Tip Podcast

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 shares each of the categories in which you should set goals for 2019. 

  • Hear a very special success story that relates directly to the Monday Money Tip Podcast. 

  • Learn how to balance striving for future goals and being happy with what you currently have. 

Resources:
Annual Plan Tools
Budget Tools

Quote of the Day: “But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.” – 1 Timothy 6:6-10