JW’s Financial Coaching Podcast JW’s Financial Coaching Podcast-A show devoted to answering your personal financial questions and covering current events in personal finance. Giving people a new perspective on their money!

February 29, 2012  
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Alex Humphrey joins us on today’s show to share how he paid off $16,000 in car loans in just under two years. Alex got the loan while he was in college making around $16,000 in annual income. But by budgeting and starting to pay for things with cash, Alex was able to put large chunks of cash on the loan and eventually pay it off two years early.

Alex got married last year and bringing no debt into the marriage has helped them. They have disagreements over money but they do not fight. By being debt free they have been able to travel a lot more then the average couple.

Also, by being debt free Alex was able to quit a job that was not his passion and start his website www.entreprelife.com. He started his business for only $150 and without any loans. Alex tries to write about everyday topics and is good at using real life examples as blog topics. Some of his recent blog posts include his adventures as a pizza delivery man and his ongoing series of selling grandma's house.

If you have been a listener to the podcast for a while now, please take the time to complete a five minute survey on the podcast. I want to know what you think of the show, ways we can improve, and find out what you would like more of as a listener. Remember, I do this show for you guys, so this is your chance to be heard! The survey is anonymous so please answer honestly.

You can subscribe to the Debt Free Living Podcast either through Feedburner, iTunes, or Stitcher SmartRadio! The podcast can be found in iTunes under the JW's Financial Coaching Podcast. If you subscribe you will receive both the JW's Financial Coaching Podcast on Mondays and the Debt Free Living Podcast on Thursdays.

If you enjoyed this episode please leave a review in iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson for helping me create the video.

If you would like to take the steps necessary to start living debt free I would love to be a part of your journey. Here's how I can help

February 26, 2012  
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Highlights of today's show:

  • My wife Lisa joins on us on today's show
  • Our favorite 'cheap' date nights
  • Date nights have been important to us
  • Having double dates is great too
  • People on Facebook had a lot of great date night ideas

My wife Lisa joins us once again today to discuss cheap date ideas. Date nights have been a very important part of our marriage the past three years. We discuss why that is for us and encourage you to have routine date nights in your marriage.

A lot of people gave their favorite ‘cheap’ date night on our Facebook poll. The most popular answer was a picnic on the beach. In addition, Lisa and I give our favorite cheap date nights that we do. Remember, you do not have to spend a lot of money to have fun. The best thing about date night is that you are together!

Big thanks to Michael and Claudia Good over at rise365.com for giving us the idea to do this podcast. You can check what some of their readers' (including yours truly) favorite date night activities were in a recent post they shared titled, "Date night ideas."

If you have been a listener to the podcast for a while now, please take the time to complete a five-minute survey on the podcast. I want to know what you think of the show, ways we can improve, and find out what you would like more of as a listener. Remember, I do this show for you guys, so this is your chance to be heard! The survey is anonymous so please answer honestly.

You can now find the podcast on Stitcher SmartRadio! Stitcher allows you to listen to your favorite shows directly from your iPhone, Android Phone, Kindle Fire and beyond. So if you have have a smart phone and want to stream the podcast from your phone, please download the app from their website.

You can subscribe to future Podcasts either through Feedburner or iTunes. Or you may listen to the podcast on the JW's Financial Coaching Facebook Fan page. In addition if you have enjoyed the show for a while now, please leave a review of the podcast on iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson's for helping me create the video.

If you have any comments, questions, or ideas for future shows you can send them to me and I will integrate them into a future show. Email me at JWFinancialcoaching@gmail.com - Please put “podcast” in the subject line and keep your questions brief so they are readable on air.

February 22, 2012  
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Jodi Schaap joins us on today’s show to share how her family paid off $70,000 in debt in two years. The journey was not easy by any stretch of the imagination, as they decided to sell their home and rent a 900 square foot apartment for a year. It was not fun, but by, “taking a vacation from normal,” for those two years they were able to get totally out of debt.

By being out of debt they are able to travel more and to save lots of money. That money will come in handy in the next year as their big goal is to buy a home the right way: with a large down payment of over 20%.

Jodi has been blogging for 11 years now and started jodimichelle.com because she is passionate about intentional living, being involved in her communities, and living naked on paper. Some of her best days are when she gets feedback from her readers on how something she posted impacts their lives. One of the main things on her blog is her Life List which is a list of 100 things that she would like to do in her lifetime. By writing it down and putting in on the blog it has enabled her to accomplish a lot more of the tasks than she had imagined. By being debt free she can make this list a reality.

If you have been a listener to the podcast for a while now, please take the time to complete a five minute survey on the podcast. I want to know what you think of the show, ways we can improve, and find out what you would like more of as a listener. Remember, I do this show for you guys, so this is your chance to be heard! The survey is anonymous so please answer honestly.

You can subscribe to the Debt Free Living Podcast either through Feedburner, iTunes, or Stitcher SmartRadio! The podcast can be found in iTunes under the JW's Financial Coaching Podcast. If you subscribe you will receive both the JW's Financial Coaching Podcast on Mondays and the Debt Free Living Podcast on Thursdays.

If you enjoyed this episode please leave a review in iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson for helping me create the video.

If you would like to take the steps necessary to start living debt free I would love to be a part of your journey. Here's how I can help

February 19, 2012  
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Highlights of today's show:

  • Birthdays, Anniversaries, and Holidays happen all the time
  • Can become a real budget buster
  • Prioritize which events you want to celebrate
  • Family dynamics impact your decisions
  • Instead of spending money, spend some quality time with friends and family.

Whether it be a birthday, anniversary, or holiday, everybody loves a good reason to celebrate. Problems can occur, however, when we do not put proper boundaries on these celebrations. Today we cover some things to consider when budgeting for these types of expenses.

The main things you have to consider are the scope to which you are going to celebrate and which events are the most important to you and your family.

Remember, you do not have to say yes to everything. You can say no.

It is also important to remember that spending time with family and friends can mean a whole lot more than a gift. As an adult what I remember most about my childhood celebrations was the time with my family, not the gifts that I received.

If you have been a listener to the podcast for a while now, please take the time to complete a five-minute survey on the podcast. I want to know what you think of the show, ways we can improve, and find out what you would like more of as a listener. Remember, I do this show for you guys, so this is your chance to be heard! The survey is anonymous so please answer honestly.

You can now find the podcast on Stitcher SmartRadio! Stitcher allows you to listen to your favorite shows directly from your iPhone, Android Phone, Kindle Fire and beyond. So if you have have a smart phone and want to stream the podcast from your phone, please download the app from their website.

You can subscribe to future Podcasts either through Feedburner or iTunes. Or you may listen to the podcast on the JW's Financial Coaching Facebook Fan page. In addition if you have enjoyed the show for a while now, please leave a review of the podcast on iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson's for helping me create the video.

If you have any comments, questions, or ideas for future shows you can send them to me and I will integrate them into a future show. Email me at JWFinancialcoaching@gmail.com - Please put “podcast” in the subject line and keep your questions brief so they are readable on air.

February 15, 2012  
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Rich and Jackie Walters join us on today’s show to share how they paid off two car loans in about two years. After bouncing around from being debt free to not being debt free they decided to get serious and have been living debt free forever since 2008. It started in 2001 when Jackie decided she was tired of sending her kids to daycare and decided to stay at home with their kids. For Rich that was kind of scary at first, but together they adapted and don’t regret their decision.

One of the keys that got them on the same page was doing and sticking to their monthly budget. Rich initially thought a budget was just a general outline, but after doing one for a few months he realized it was more powerful than that. Being debt free has allowed them to change their lifestyle in addition to seeing their children develop strong money habits.

Jackie has been blogging for two years now and started TheBudgetWorks.com to help people live below their means and have financial peace. She views herself not so much a writer or blogger, but rather a Personal Finance Blog Aggregator. In addition Jackie also shares different financial articles on her Facebook page.

Rich and Jackie’s long term goal is to move to Florida upon retirement and that will be a reality now that they are on the same page financially.

If you have been a listener to the podcast for a while now, please take the time to complete a five minute survey on the podcast. I want to know what you think of the show, ways we can improve, and find out what you would like more of as a listener. Remember, I do this show for you guys, so this is your chance to be heard! The survey is anonymous so please answer honestly.

You can subscribe to the Debt Free Living Podcast either through Feedburner, iTunes, or Stitcher SmartRadio! The podcast can be found in iTunes under the JW's Financial Coaching Podcast. If you subscribe you will receive both the JW's Financial Coaching Podcast on Mondays and the Debt Free Living Podcast on Thursdays.

If you enjoyed this episode please leave a review in iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson for helping me create the video.

If you would like to take the steps necessary to start living debt free I would love to be a part of your journey. Here's how I can help

February 12, 2012  
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Highlights of today's show:

  • Singles face unique situations in handling their money
  • Accountability is the key
  • Still need to set goals
  • I want your opinions on the podcast
  • We can now be found on Stitcher radio

Singles face unique situations when handling their money that differ from what married couples face. These situations are true no matter whether you have never been married, are divorced with or without children, or are widowed. Last year in February I did a "Love and Money" podcast series dedicated to married couples. But today's topic is all about singles and money.

The main thing singles often lack is accountability. Because of this lack of accountability, singles often make more impulse buys, eat out a lot more, and generally don't have an overall plan with their money. Another situation they face is thinking long term. A lot of the time singles do not have a long term plan with money and that derails them down the road.

Overall, singles still must have a game plan with their money. You still must live on less than you make, you must have the proper insurance and wills in place, and you have to plan for the future. If you do all these things you will be able to sock away large sums of money each month and become quite wealthy.

If you have been a listener to the podcast for a while now, please take the time to complete a five minute survey on the podcast. I want to know what you think of the show, ways we can improve, and find out what you would like more of as a listener. Remember, I do this show for you guys, so this is your chance to be heard! The survey is anonymous so please answer honestly.

You can now find the podcast on Stitcher SmartRadio! Stitcher allows you to listen to your favorite shows directly from your iPhone, Android Phone, Kindle Fire and beyond. So if you have have a smart phone and want to stream the podcast from your phone, please download the app from their website.

You can subscribe to future Podcasts either through Feedburner or iTunes. Or you may listen to the podcast on the JW's Financial Coaching Facebook Fan page. In addition if you have enjoyed the show for a while now, please leave a review of the podcast on iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson's for helping me create the video.

If you have any comments, questions, or ideas for future shows you can send them to me and I will integrate them into a future show. Email me at JWFinancialcoaching@gmail.com - Please put “podcast” in the subject line and keep your questions brief so they are readable on air.

February 8, 2012  
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Titus Moore joins us on today’s show to discuss how he paid off $37,000 in debt on a student loan and a car. Titus initially sold his paid-for car and borrowed to get a sports car because he felt he owed it to himself to have a nice car. He realized afterwards that it was a mistake and got aggressive to pay off his debt. He lived at home with his parents to save money, worked on his vacation, and started to use cash instead of a debit or credit card to make purchases.

Titus was determined to get out of debt as fast as he could, because as a pilot, he realized that he could get laid off at any time and the economy was crashing. He now has an emergency fund in cash instead of a credit card with an 18% interest rate. Being single, it helped him out a lot to have an accountability partner to talk with and hold him accountable.

Titus is starting financiallyweird.com soon in hopes of being able to share his story and inspire others to be weird financially and to get out of debt. One of his long term goals is being able to purchase a house with cash.

You can subscribe to the Debt Free Living Podcast either through Feedburner, iTunes, or Stitcher SmartRadio! The podcast can be found in iTunes under the JW's Financial Coaching Podcast. If you subscribe you will receive both the JW's Financial Coaching Podcast on Mondays and the Debt Free Living Podcast on Thursdays.

If you enjoyed this episode please leave a review in iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson for helping me create the video.

If you would like to take the steps necessary to start living debt free I would love to be a part of your journey. Here's how I can help

February 5, 2012  
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Highlights of today's show:

  • Answer a listener's questions on buying a car
  • Buying car a does not mean you have to drive it for 5 to 7 years
  • Go over the rules for buying a car
  • I want your opinions on the podcast
  • We can now be found on Stitcher radio

For some of us, purchasing a car is not a fun experience. We have to find the car we want, deal with salesman, and most importantly, figure out how to actually pay for it. Today we answer a question from a listener on the best way to replace two beater cars.

Driving a beater car is not a fun experience for anybody. So does it make sense to replace a beater car with a beater car? Or should you take out a payment and get a reliable car? Either way you are going to get a new car in the next few years. So why not be proactive and start to save up and pay for a car in cash and remove the risk of having a car payment from your life, instead of doing the easy thing; at least in the short term, and get a car payment.

If you have been a listener to the podcast for a while now, please take the time to complete a five minute survey on the podcast. I want to know what you think of the show, ways we can improve, and find out what you would like more of as a listener. Remember, I do this show for you guys, so this is your chance to be heard! The survey is anonymous so please answer honestly.

You can now find the podcast on Stitcher SmartRadio! Stitcher allows you to listen to your favorite shows directly from your iPhone, Android Phone, Kindle Fire and beyond. So if you have have a smart phone and want to stream the podcast from your phone, please download the app from their website.

You can subscribe to future Podcasts either through Feedburner or iTunes. Or you may listen to the podcast on the JW's Financial Coaching Facebook Fan page. In addition if you have enjoyed the show for a while now, please leave a review on the podcast on iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson's for helping me create the video.

If you have any comments, questions, or ideas for future shows you can send them to me and I will integrate them into a future show. Email me at JWFinancialcoaching@gmail.com - Please put “podcast” in the subject line and keep your questions brief so they are readable on air.

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Darrin Greene joins us on today’s show to discuss how he and his wife paid off over $30,000 in debt. Darrin always had a plan with his debt, but like life, it never turned out the way he thought it would. He initially believed that as long as you could make the payment then you were fine. But after getting serious, he realized that debt was keeping him from reaching his dreams.

One of the things his family had to let go before they could fully transform to a debt- free life style was their status. It was not overtly stated, but subconsciously it was there. But one of the big benefits to getting out of debt was allowing Darrin’s wife to stay at home with their children.

Darren started www.unshakabledreams.com a few years ago to help people live out their dreams and to have an unshakable foundation as they do it. In addition he started the Unshakeable Dreams Podcast to help spread his message.

You can subscribe to the Debt Free Living Podcast either through Feedburner or iTunes. The podcast can be found in iTunes under the JW's Financial Coaching Podcast. If you subscribe you will receive both the JW's Financial Coaching Podcast on Mondays and the Debt Free Living Podcast on Thursdays.

If you enjoyed this episode please leave a review in iTunes.

If you would like to take the steps necessary to start living debt free I would love to be a part of your journey. Here's how I can help