Better Financial Health in 15 Minutes (or less!)

In today's episode, Stacey discusses what you can do with your tax refund. As the federal tax deadline quickly approaches, many of us have already filed the 2023 tax return and perhaps received a refund. Stacey explains how a large tax refund might not always be the best fit for your finances, and how you can adjust your withholding, if necessary. She also details how to use your tax refund t...

In today's episode, Stacey expands on last week's topic of mindfulness to discuss spring cleaning. It is a great time of the year to evaluate the usefulness of the material things in your life and to take stock of what really matters to you. Remember that when you allow yourself to let go of the things you don't need, you are creating space for the things and people in your life tha...

 In a culture where overconsumption is both normal and encouraged, it can be a challenge to find contentment and keep unnecessary spending under control.  In today's episode, Stacey discusses the importance of staying mindful of your expenses and how to carry that mindfulness into other aspects of your daily life.  Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137...

In celebration of St. Patrick's Day coming up, Stacey discusses the role of luck in personal financial success. Although there are some elements of life that you might prefer to leave up to chance, financial success is all about preparation. In today's episode, Stacey explores how to make your own financial luck by being prepared and taking advantage of new opportunities.    Envision Fin...

This week, Stacey discusses the costs of vehicle ownership. Although the idea of a new car is exciting, it is important to consider the many expenses of owning or financing a vehicle. For example, be sure to take into account the cost of recurring maintenance, possible repairs, and the rising cost of car insurance. Is a new or used car better for your budget?  Also, remember that taking the time t...

In today's episode, Stacey discusses how to stay on track with your finances throughout different stages of your life using small and consistent daily steps, or microactions. In particular, Stacey details saving for retirement, building an emergency fund, and choosing the best investments for you! This episode also explores rental property investments, and the costs of home ownership compared...

Happy early Valentine's Day! Today, Stacey discusses financial compatibility, and the importance of protecting your finances, especially in non-traditional relationships. Although we all invest in our relationships in different ways, it is crucial to remember that financial protection is not guaranteed! Stacey's tips are a reminder that it is possible to stay in love with your finances d...

This week, Stacey is discussing home buying and selling. In the coming months, there is typically increased activity in the real estate market. Whether you are looking to put your current home on the market, considering purchasing a home, or questioning if home ownership is right for you, you are not alone! Stacey has helpful tips on how to put yourself in the best position to succeed in today&apo...

It's time for everyone's favorite season of the year, tax season! As we have embarked upon the 2024 tax filing season, Stacey is discussing a few key tax documents to gather, how to prevent high interest rates on late tax payments, and how to stay on top of tax payments in the future. Although it can be tempting to file as soon as possible, it is important to wait and file your tax retur...

There aren't many people who like uncertainty, especially with their money. It makes most folks fairly uncomfortable, with reason! But this week, Stacey is helping us see the upside of uncertainty and where it can create opportunity. Can you think of an example in your own life where something you were unsure of turned out for the better? What helped you push forward in that time of uncertain...

Most people have searched for an item to purchase  and, as they sorted through the options, wondered if the higher priced version was really worth the cost. Sometime it may be worth it and sometimes it may not. Stacey is here this week to offer some tips for evaluating when you are deciding what might be best for your needs.   Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, T...

2024 is in full swing and as you're considering you plans for this year, it's the perfect time to evaluate exactly where you are financially and where you want to be by the end of the year. Stacey has some suggestions for what you need to be looking at now and how to evaluate that information to make a plan for the future.    Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, M...

 It's hard to know where you're going if you don't know where you've been so this week, Stacey is giving some tips to help you look back before you look forward into the new year. What's working for you? Let us know!  Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals resid...

Last week, we talked about how to monitor your credit and what you should be looking for to make sure your information is as safe as possible. But what happens when your data has been compromised either as part of a large public breach or something else? Stacey is sharing tips this week on what you should do first and how to make sure the damage is minimized.   Envision Financial Planning. 5100 Po...

We've talked several times about how to protect yourself from the bad guys on the internet trying to steal your information, but today Stacey is sharing what to do if your identity has been compromised through a data breach or some other way. One of the most helpful places for you to start is www.annualcreditreport.com and Stacey has some other suggestions for you to make sure your informatio...

As we wrap up 2023, many people are (or should be!) double checking to make sure they fulfilled their charitable giving intentions. While it's easy to drop some cash in the bucket or click a donate button on a website, Stacey is sharing some other ways you may want to consider giving that may benefit your tax position and do not cost the organizations you're giving to either. Remember th...

We've discussed gifts to give for the people who see to have everything or ways to stretch your budget, but this week, Stacey is discussing an option that will outlast any clothes or toys you maybe considering for the children in your life... a 529 plan! Before you think a 529 plan is too limited, think again! In this episode, Stacey shares some of the many ways the plans can be used to help...

As we near the end of the year, it's time to make sure you have made the appropriate contributions for your particular situation to your IRA. Stacey is here this week to discuss several scenarios that you may run into as you double check to make sure you are getting the most out of your contributions.  Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7...

It's that time of the year.... no, not the holidays yet, it's open enrollment time for many employers. What do you need to be thinking about as you evaluate your situation and think about the future? Stacey has some tips to make sure you set yourself up for success in the new year.  Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This commu...

It's time for Medicare open enrollment, and if this is your first time making selections or you are considering changing your current selections to your plan, now is the time to do your homework and make sure you are getting the best coverage at the best price available to you. Stacey has some great tips and reminders for you to consider regarding drug plans, doctors and hospitals and other p...

This week, Stacey is discussing the difference in expenses of renting and purchasing a home and how the current market may cause you to reconsider if you have to get on the property ladder as soon as possible. You may think you have it all figured out, or maybe you think doing one thing will cause you to miss out on another, but Stacey is here to give you some big picture things to consider specif...

Happy 100th episode to Better Financial Health in 15 Minutes (or less!)! This week, Stacey is reflecting on how and why we started this podcast and where we hope it will go. Have a question or topic you want to hear on the show? Send it to info@envisionfptn.com! We want to thank you all for listening and hope you will share your favorite episodes with your family and friends.  Envision Financial P...

Stacey has said before that spending on experiences versus traditional gifts can be a meaningful way to spend time and money with family and friends. But what about spending on those concert or show tickets or trips or adventures instead of saving for traditional big ticket items like a down payment on a home or a car? Should you go into credit card debt to pay for the family trip or reduce your 4...

Budgeting is important for everyone, but budgeting for people who have less consistent income or who aren't salary workers can be challenging! Stacey is here this week to offer some helpful tips for self employed people or freelance workers or other people who have "lumpy" pay checks. What things should you consider setting aside for tax purposes? What about an emergency fund and in...

Student loans have been a topic we have discussed several times as we have tried to prepare borrowers for the payments to begin again. But now, the payments have started (or are starting soon) and Stacey has some options for people who are finding themselves struggling to make these payments, including the SAVE Plan (Saving on a Valuable Education). Tune in to find out some of the resources availa...