CentsAble Chat

Valentine’s Day is usually a time when we focus on buying the perfect gift for that special someone. Today, we’re flipping the script, to discuss how spending money on yourself provides priceless gifts for those you love.  www.centsablechat.com

Believe that you are a helpless victim of your situation, and you'll always be powerless to change it. Believe that you have the power to change your life, and you'll be unstoppable! CentsAble Bobbi shares 5 ways to go from financial victim to financial victor, regardless of age, race, gender or financial status! www.centsablechat.com

If you’re preparing for the worst or just trying to squeeze more money out of your paycheck, don’t wait for a raise or someone to bail you out. There are things that you can do on your own! www.centsablechat.com

Are you bargain-hunting to save money, or just for the sake of a sale? If it's the latter, you could be falling into the debt trap. The only way to truly save money is not to spend. CentsAble Bobbi offers 5 ways to save without a sale - and what to do with the money you save! Visit www.centsablechat.com for more episodes, blog posts, videos & resources!

Welcome to Christmas hangover season! Not only is it back to a normal work schedule, but all the credit card statements are coming in and, with it, a lot more stress. The good news is that, regardless of your income level or how much debt you have, getting rid of it is possible. People from every walk of life have done it, and you can too! CentsAble Bobbi shares her top 5 ways to pay off debt quickly! Visit www.centsablechat.com for more resources!

January is the perfect time to start planning for next Christmas, to avoid debt, reduce financial stress and still show your love! CentsAble Bobbi shares 5 ways to pay cash for Christmas, plus 5 alternatives to buying gifts.

Facing Your FearsFact or fiction? Do we really deal with our fear and anxiety about money, or just push it out of our minds, hoping it will go away? That never works! So, what does? Mike Pumphrey, Founder of EmpathicFinance.com, suggests focusing on what’s really happening, instead of the outcomes we fear. Take the time to truly understand your situation, so you can deal with it effectively.

Preparing for the Next Financial CrisisWhat works and what doesn't

Another financial crisis is coming; it’s just a matter of time. Use the good times to prepare for the not-so-good. Mike Pumphrey says “ride the booms, but be prepared for the busts!” One of the biggest financial crises people fear is losing a job. The best way to overcome that fear is to plan for it! Build an emergency fund that allows you to eat and keep a roof over your head, while you’re looking for a new job! The emergency fund buys time and peace of mind.

Reducing Financial AnxietyFight feelings with facts!

There are no monsters under the bed! Take a look, just to be sure! You may believe you are powerless to change your financial situation. In reality, you’re the only one who can! Be honest with yourself and find out if you have an income problem or a spending problem. Creating your financial picture will help you find the answer. Income problems can be solved by adding more income. Track your spending to learn the truth about how you spend, then budget to spend in line with your values, and reduce financial stress.

“CentsAble” Bobbi greatly appreciates the support received over the last three years from the great guests to the inquisitive listeners asking pertinent questions about budgeting. CentsAble Chat is going on hiatus for a while, to revamp programming. To get your budget in shape, go to CentsAbleChat.com. While you’re there, be sure to subscribe to the CentsAble Chat Newsletter, so you’ll be the first to know when new episodes are available.

Lead the WayKids practice what they’re taught

Your children need you to lead the way, from how to dress, how to eat properly, how to interact within a polite society and especially how to handle money. Learning good money habits sets them up to respect the power of money and what it means to them. In this episode, SammyRabbit.com creator, Sam X Renick leads you through fun and important tips, tricks and lessons that you can pass along to your kids.

Make Money Fun!Sammy’s the solution!

A visit to Sammy Rabbit’s resource hub opens up a world of financial literacy with the click of your child’s mouse! With dozens of tools at your child’s fingertips, they’ll have fun, be entertained and take part in the interactive methods that lead them through the world of money.

Make Your Kids StrongKnowing how money works gives them confidence

Through interactive play, your kids will understand that money is a tool. This leads to a confident child that spends smartly, saves efficiently, giving them the ability to make their dreams come true and live their ultimate life!

Family FunBring everybody together with family money fun!

Activities geared toward children are a great way to bring the family together. There’s nothing more exciting, for a parent, than watching their kids get excited to learn, and that’s exactly what these lessons do. While creating an opportunity for fun family time, it presents possibilities for parents to learn something new. Most importantly, parents can speak to their children about money on a whole new level! So, lead the way, sit down with your kids, and learn all about Sammy Rabbit’s Money Habits!

Fighting For Financial Freedom It’s easier than you thinkSpending your days, the way you want, is much more satisfying than being stuck behind a desk. To walk away from a job that no longer aligns with your values, because you are no longer a slave to debt or employer is empowering. Who wouldn’t want total control of their financial life, or to send their children out into the world, free of a burdensome paycheck to paycheck life? No one! In this episode, you will learn how fighting for financial freedom is easy to start and leads to you being a commander in your quest to live your ultimate life.

Freedom Can Be Yours Command your troopsFreedom is a choice. Even if you’re in debt, living paycheck to paycheck, you have the power to command your money and take back your freedom. Don’t depend on someone else to give you a raise or inheritance. Stop waiting for change and start creating it. Regardless of your income level or the size of your debt, there are small steps you can take today, which lead to a better tomorrow.

Living The Dream What freedom feels likeAfter you slay your debt and start building your financial foundation, life looks different. You begin to think about money and its purpose differently. You begin strategizing and focusing on what you can accomplish, instead of what’s holding you back. To live life on your terms and plan, instead of bracing for what life might throw your way. The stronger the financial foundation, the more freedom you have, to start living the life of your dreams!

Welcome to the Journey! Don’t forget your patienceIf you’ve come to the realization that fighting for financial freedom is possible, welcome to the journey! Don’t expect your situation to change overnight; it’s a journey, not a bullet train. Gather your resources, map out your path, take the first step and then keep going!

Thank you!Many thanks to Financial Freedom Fighter, Virginia Woolf, for contributing to this episode! Visit her website and get a copy of her e-book “The Bag Lady.”

Money is stressful! Don’t worry the big stuffDealing with money is stressful, until you recognize the excitement of budgeting. Budgeting your money relieves stress, because you don’t worry about having the money to pay a bill – it’s already there. It helps you plan for future big-ticket items like a new car or vacation. If money problems are constantly stressing you out, budgeting is the answer!

Finding An AnswerBe the commanderCreating and following a budget puts you in command of your money, because you make the rules, instead of money dictating your life! A budget keeps track of money and everything it needs to do for you. “Can I afford it?” becomes a question you answer instantly! Doing the work to create and maintain that budget may seem boring at first. But the payoff is exciting, especially when it comes to planning for things like a dream vacation. Budgeting is preparing for your best life!

A Dream with a PlanCreating your best lifeBudgeting leads to debt-freedom, resulting in bigger and better choices. The ability to stay home with your kids, pay cash for a car, pay off your home – can be accomplished with a budget! If dreaming and planning for the future is exciting, then you already understand the excitement of budgeting!

Do the Math! Finding HopeIf you believe your situation is hopeless, do the math to prove it! Math doesn’t lie – and you might find that the reality of your situation is completely different. Create your financial picture to visualize where you truly stand, then use that information to create a budget that can help you hit any financial goal! Think it will take forever to pay off your debt? Use this calculator to find the truth – how small change really does make a big difference!

Take The First StepIt’s easy with the right informationChange is within your grasp, all you need to do is take the first step and create your financial picture. Once you can see where you are, it’s easy to see where you’re going. Brace yourself for the excitement of budgeting, because once you get, your life will change – forever. Reach out to “CentsAble” Bobbi for help, tips or advice.