Simplify and Enjoy Podcast

What's the process really like when you're paying off a mountain of debt? Today we get into the habits and mindset changes Toni and her family made to pay off over $100k of debt!  How One Family Paid $100K of Debt I love a good debt free story. I enjoy seeing others work hard to get rid of the credit card, student loans, car loans, and other debt that is weighing them down.  I also know personal e...

How confident do you feel about hitting your goals this year? Today, we're going to be discussing not only how you can set up your habits to hit your financial goals, but also any health goals you're trying to knock out this year! Habit Hacks to KeepYour Money and Health Goals There's a lot of overlap between fitness and finances. Not only are these two of the most popular goals people have every...

Jillian shares how she and her husband creative hacked their housing expenses to pay off their students loans faster! Housing Hacking to Pay Off Your Debt Faster!  Welcome back! It's the first week of a new year and I have a question to ask you. How many times have you seen the phrase new year, new you already? How does that make you feel as you're planning out what you're going to do in 2022? Whi...

In today's bonus episode, we're diving into hitting your money goals while still having fun!  Ready to Stack Some Benjamins in 2022?  Welcome to this end of year bonus episode!  As we're winding down and wrapping things up for 2021, one of the best things we can do is setting things up to make it easier to achieve our family and financial goals. For us, it's doing a review of the numbers to see wh...

Today we'll go over key steps on how to make and achieve your big family financial goals for next year!  How to Set Up (And Achieve) Your Family's Financial Goals As 2021 winds down, now is a great time to set up some pieces with your finances so you can knock things out of the ballpark in 2022.    Last week I went into how we've done year end reviews. They've been a wonderful way for us to get a...

Get a peek into how we did with our goals for this year and see how you can do your year review and set yourself up for an incredible 2022! Why You Need to Do a Year-End Review with Your Money It's November, aka the time of the year where I usually start winding down.  As you may or may not know, I take December off from the podcast to recharge and rest things. We also have our anniversary then. W...

Today we're going to look at three common and awkward arguments married couples have around money  and how you can tackle them together!  Awkward Money Conversations When You're Married Marriage and money isn't always easy. Chances are the two of you have different personalities and approaches to finances.  Those differences can be a wonderful thing as you two can lean on each other's strengths an...

How happy are you with your current banking situation? Are you getting real value out of your checking and savings accounts? Or do you feel like you're getting nickeled and dimed?  Today we'll go over how to find a better banking option and how to seamlessly move your money!  Why It Matters Where You Bank These are all important to your financial health and making progress on your goals, however w...

Get a sneak peek at how we handle our money system and our accounts. So that we are working towards our goals, even if we have more pressing or urgent things to take care of on the family front or with work! Easy Way to Manage Your Money A financial system that requires you to constantly check and worry about your money isn't going to cut it for most families. It doesn't for us.  With two kids, wo...

For most families, their 401(k)s are an important part of their retirement plans. Learn how you can make the most out of your 401(k)! Making the Most of Your 401(k) It's just there's a huge information overload and it's easy to get caught in the mess and not be sure how to actually do it. Today we're going to give you a leg up. Usually during this time of year, I pull in the experts like certified...

It's that time again... open enrollment season and with it, a lot of decisions to make for the upcoming year. Today, we're going to go over how you can maximize your benefits, especially when it comes to health, dental, and disability insurance! Choosing Your Health Insurance, Dental, and Disability If there's one area of finances where families have a hard time -either they're not maximizing or t...

How are you feeling about your progress this year with your financial goals? Are you frustrated because you're not hitting them as fast as you had hoped? Do you feel like managing money is a chore? Believe it or not, these problems are connected. Today, I'm going to break down and show you how to build a flexible financial system that will get you to your goals faster! Keeping Your Budget Flexible...

Are you frustrated with your debt and feel like you're stuck in this rut? Today we're going to see how you can negotiate your debts to lessen the stress and get you closer to your debt free goals! Paying Off Your Debts and Dealing with Debt Collectors Usually when people make money goals for the year, paying off debt is in the top three but many struggle to achieve that goal. Depending on where th...

Want more options and time to do more for the people and projects you love? Learn how to create a path to financial independence that is flexible and fun! Finding the Right Pace and Path to Financial Independence As a kid, one of my favorite kinds of books to read were those choose your own adventure stories. Do you remember those? No, it's pretty much began the same, but based on the choices you...

Can parents pursue financial independence with kids at home? Today we'll go over the five biggest myths and show how to enjoy parenthood and FI! Are Financial Independence and Parenthood Compatible? Even before we were familiar with the term financial independence, we were intrigued about this idea of gaining flexibility and freedom. When we were first married, we had two immediate financial goals...

Expecting a raise or bonus soon? Learn how to make the most out of any extra money you have coming in! Couple's Guide to Optimizing Your Raise or Bonus Even though I do believe that  diversifying your income  is a smart money move, let's not ignore the most common one that most people have – your nine to five job. This is a steady paycheck for work that you hopefully enjoy. Besides the paycheck, t...

Real estate investing  can be a way to build up a passive income, but is it the right move for you? Learn about some of the different options you have and what you need to discuss before jumping in!   Is Real Estate Investing Right for Us?  We've been talking a lot this season about building and diversifying your income streams.  Part of it is in reaction to the past year or so we've had. With som...

It's June. The year is halfway over. Now is the perfect time to hit pause and do a midyear review to see how you're progressing with your goals and make sure that your accounts are moving in the right direction ! Why Financial Reviews Matter While we automate much of our finances, especially the tedious parts. It really does pay to have these times where you sit down. In review the numbers. And ha...

Cryptocurrencies like Bitcoin doge coin, and Ethereum are a part of the mainstream conversation and in the news but should it be a part of your investment plan?  We're going to decode the terminology and explore the tech so you can weigh whether or not it's the right option for you! Should We Invest in Cryptocurrency? We're talking about a topic that's been popping up all over - cryptocurrency.  J...

Learn how you can protect your family's finances and open up more opportunities by diversifying your income!  Why You Need to Diversify Your Income Diversifying income is something every family should consider. It can not only give you a bigger safety net, but it does give you some more options no matter what stage you are in your financial journey.  Here are a few scenarios where diversifying and...

We're all looking to reconnect and have fun this summer. Today, we're going to go over ways to enjoy family barbecues, give some ideas on great outdoor ventures you can go on, and offer tips on how to grow your savings this season! Make This a fun Summer of Savings For many families, summer is the season. Especially after the year we had in 2020, many of us are eager to embrace the warmer weather...

We're all looking to get the best value, but how can you balance saving money, hitting your financial goals, while still having fun? Today we'll go over how you can master the art of being frugal! Can Being Frugal Make You Rich? Whether you're pursuing a  debt-free path ,  financial freedom , or independence, there's one skill that can help you hit your goal faster – being frugal.  I'm not talking...

With credit card fraud and identity theft happening more frequently, we all have to step up our game. Learn keys ways to protect your finances and identity! Fraud Protection I hope you never have to deal with identity theft, data breaches, or fraud but chances are you will. There were  4.8 million identity theft and fraud reports received by the FTC in 2020 , an increase of 45 percent from 2019. T...

Around 82% of Americans said their finances were affected by the pandemic and the fallout according to a recent Fidelity survey. If you're planning on retiring in a few years, that can be a really scary thing. Today I want to share a resource that can help you get back on track with your retirement plan!  The 5 Years Before You Retire: Retirement Planning When You Need It the Most How comfortable...

Many families are looking for getaway this year. We'll go over flexible, memorable, and affordable family vacation ideas! Planning a Family Vacation in 2021 How do you plan for a year where you don't know exactly what to expect?  I think that's been the unofficial theme this season. We've been talking about how to create a budget that's flexible enough? How do you figure out your schedule?  Now I'...