A budget does not restrict your spending - your income does.
 
Whether you make $4k a month of $100k a month - you can only "spend" what you have or you will go into debt. 
Note: I consider putting money into savings or retirement another form of "spending"
 
Coach Justin joins us to discuss the 4 Keys to successful budgeting:

Updated our budget
Balanced our budget
Discussed it with our spouse
Live on it (follow the plan)

 
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Four Keys to Successful Budgeting - FWS009

The Financial Wellness Show is here to help improve the health and wealth of your money. This show is for anyone wanting to take simple, actionable steps towards making their money go farther and to accumulate more wealth for their future.

The most respected Financial Coaches and subject-matter guests discuss various topics from spending, saving, retirement, and making wise purchases. Oh, and we show you how to get out of debt too.

To contact a coach visit http://FinancialWellnessShow.com/FindACoach

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Are you picking the RIGHT services for your wedding, ones that will help build memories and not regret?  Coach Hal and I discuss spending money on the RIGHT things for a wedding, not things that don't really matter to the success of your big day (or your child's big day).  For more details, including online wedding budget tools, visit http://FinancialWellnessShow.com/38

Wise Wedding Decisions and the Chocolate Fountain Fail

What is it like to live on a draw? Coach Carl explains how it works and how to be prepared for dry spells when a salesperson won't make enough to cover their draw on commission. For more information, visit http://financialwellnessshow.com/37

How To Live On The Draw - Making The Most Of a Salesman's Payday

How does a house divided join forces with new spouses and new
extended family members? Justin and Jessica tell their story of
bringing 4 adults together for the good of their children.

For an example of the spreadsheet, visit
http://FinancialWellnessShow.com/36

Remarried With Kids: How 4 Become 1

Teens should be applying for scholarships from 9th grade through college, according to Coach Christine. In this episode she brings us a wealth of knowledge for where to find scholarships and how to win them.For more information or one-on-one coaching, visit  http://FinancialWellnessShow.com/35

When and Where to go for Scholarships - FWS035

Would you be better off earning interest than letting the bank hold your money? 
Today we speak with Financial Wellness Coach Bill to discuss:

What is Escrow?
Are escrow accounts mandatory?
What are the advantages of having an escrow account through your mortgage lender?
Is it more financially efficient to escrow my taxes and insurance than to not?
Can I create an escrow account with someone other than my lender?
What are the disadvantages or things we need to be aware of if we don’t hold escrow through our mortgage lender?
What happens after I pay off my house? Do I still send my bank escrow money?

For show notes or to work with us: http://FinancialWellnessShow.com/34

Four Keys to Successful Budgeting - FWS009

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