Sarah has big financial goals and managed to budget for the first Christmas in her life! Then her co-worker started collecting for a gift for the boss. 

What would you do? 

*****

Please rate and review the podcast!

You can pick up the book, Get the Hell Out of Debt at your favorite bookstore, or Santa can deliver it if you order it here.

Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

Financial Transformation Weekend is happening soon. 

Keep up to date on all things money, here. https://www.erinskyekelly.com/sign-up-for-newsletter

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Learn more about your ad choices. Visit megaphone.fm/adchoices

It's the season finale AND the holidays are nearly here. Erin answers all your gift-giving questions including how to handle your budget when you and your partner aren't on the same page. 

_________________________

In this episode: 

Get the book "The Big Leap" by Gay Hendricks on Amazon or from your fave local bookstore. 

Link to the Salvation Army: https://www.salvationarmy.org 

Learn how to play Chameleon here: https://boardgamegeek.com/boardgame/227072/chameleon 

And Taco Cat Goat Cheese Pizza here: https://boardgamegeek.com/boardgame/253664/taco-cat-goat-cheese-pizza 

If you have a board game suggestion, send it to us at [email protected]. And we want to know if you remember your Cabbage Patch Kid's name, too! Keri remembered hers - she had a preemie named Herbert. 

_________________________

Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU

Check this out for some free resources to get you started: www.financialtransformation.ca 

If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly 

Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ 

And her personal account here: https://www.instagram.com/erinskyekelly/ 

And the website for everything else: www.erinskyekelly.com 

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and learn why we never ever want to sell assets to pay off debt and also what to do if you ever win the lottery. 

_________________________

In this episode: 

Ballerina Farm on Instagram: https://www.instagram.com/ballerinafarm/

Have a question you want to ask Erin? Record it here: //www.speakpipe.com/erinskyekelly  

If you are tired of boring newsletters, sign up for Erin's here: https://www.erinskyekelly.com/contactus 

Aviator Nation gear: https://www.aviatornation.com

Here's the shop where Erin got her crown: https://etsy.me/2sIcFuW 

And in case this episode is TLDL (it's not - it's only 26 minutes!), here's a one line synopsis - Whether your royal status was earned or purchased, never kill the goose. 

_________________________

Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU

Check this out for some free resources to get you started: www.financialtransformation.ca 

If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly 

Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ 

And her personal account here: https://www.instagram.com/erinskyekelly/ 

And the website for everything else: www.erinskyekelly.com 

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Robin is a business owner and has to manage business cash flow in addition to her own personal finances. Learn how she did it. 

_________________________

In this episode: 

Check out Kitako Lake Honey and learn more about Beekeeper Steve. (Thanks, Olive!)

If you have a personal story or want to share with us, email [email protected].

Here's where you can find all things Robin: 

• Stellarhumanproject.com
• Spectacleblue.ca
• Robinjoanneszuch.com
• And Robin's podcast is here: https://podcasts.apple.com/ca/podcast/stellar-human-project/id1649785079 or here: https://open.spotify.com/show/4HM0QZHuWfagTu9UzN5Isc?si=M_FeyXUSSzCZiqpUGYyWeg 

_________________________

Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU

Check this out for some free resources to get you started: www.financialtransformation.ca 

If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly 

Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ 

And her personal account here: https://www.instagram.com/erinskyekelly/ 

And the website for everything else: www.erinskyekelly.com 

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin opened the microphone to simply check in and make sure you are okay. It's a little frenetic out there this weekend. The retailers are working extra hard to get your dollars because they are concerned with this looming recession that you won't have much money soon, and they are trying to get as much as they can now. 

Stay strong. You've got this. Your financial dreams matter.  ***** Click here to receive Erin's Tuesday financial tips email

https://www.erinskyekelly.com/sign-up-for-newsletter Click here to leave Erin a quick voicenote for the podcast! 

https://www.speakpipe.com/erinskyekelly

Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum  

Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1

Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1

Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa 

Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter

Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/

  Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout 

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Yesterday on the podcast, we talked about what an empowered woman is. What is an empowered woman to you? 

Would love to hear your thoughts! 

https://www.speakpipe.com/erinskyekelly

Send an email to [email protected] if you'd like to share that way. 

***** Click here to receive Erin's Tuesday financial tips email

https://www.erinskyekelly.com/sign-up-for-newsletter

_______________________________

 Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly

Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum  

Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1

Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1

Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa 

Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter

Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout 

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you want a prenup? Does your partner want a prenup? What are the benefits to having one? We discuss everything from financial empowerment to being all-in when it comes to love.

What are your thoughts on prenuptial agreements? Send us your stories to [email protected]. 

_________________________

Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU

Check this out for some free resources to get you started: www.financialtransformation.ca 

If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly 

Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ 

And her personal account here: https://www.instagram.com/erinskyekelly/ 

And the website for everything else: www.erinskyekelly.com 

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Is it ever a good idea to buy real estate, go into business or mix money with family? Annie shares her story - it's something we have all wondered from time to time. 

_________________________

In this episode: 

Erin's version of "Fight Club" is the Underground. If you would like to be added to the top secret waitlist for the private coaching group, email [email protected] with the code words: I WANT IN. 

Did you know Erin is a licensed Mortgage Broker? www.ErinKellyMortgages.ca

If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f

Here's what WebMD has to say about Propolis: https://www.webmd.com/vitamins/ai/ingredientmono-390/propolis 

If you have a friend who sounds "husky", she could probably use a few squirts. 

_________________________

Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU

Check this out for some free resources to get you started: www.financialtransformation.ca 

If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly 

Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ 

And her personal account here: https://www.instagram.com/erinskyekelly/ 

And the website for everything else: www.erinskyekelly.com 

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Learn more about your ad choices. Visit megaphone.fm/adchoices

There are 2 elements to success: taking action and doing the work, but also, leaving room for miracles. 

_________________________

In this episode: 

The Adjustment Bureau (movie trailer) - https://www.youtube.com/watch?v=H78XCiJamXc 

The Brilliant Life of Eudora Honeysett (book) - purchase via this link, borrow ffrom your library, or find it at your fave bookstore: https://www.amazon.com/Brilliant-Life-Eudora-Honeysett-Novel/dp/0063026066  

Rebecca Louis on Instagram - https://www.instagram.com/rebeccalouisefitness/ 

_______

EARL NIGHTINGALE quote: 

Do each day all that can be done that day. You don’t need to overwork or to rush blindly into your work trying to do the greatest possible number of things in the shortest possible time. Don’t try to do tomorrow’s or next week’s work today. It’s not the number of things you do, but the quality, the efficiency of each separate action, that counts.

To achieve this “habit of success,” you need only to focus on the most important tasks and succeed in each small task of each day. Enough of these, and you have a successful week, month, year and lifetime. Success is not a matter of luck. It can be predicted and guaranteed, and anyone can achieve it by following this plan.

But most people live a life of quiet mediocrity and never achieve the success they truly desire because they get impatient. They want easy success, or none at all. They see the path to success as a frustration, an impediment. Each day spent short of the ultimate goal is viewed as a time of failure and as an annoyance. As such, they get distracted by hundreds of little things that each day try to get us off our course. Yet the successful among us know the truth: If the end goal is all we desire, we simply cannot put in the time and effort it takes to be a success when it counts—each day—and therefore cannot lay the foundation for tomorrow’s success. 

Pay no attention to petty distractions. Enjoy the easy days and shake off the bad days. Stay steadily on your track. Concentrate on each task of the day from morning to night and do each as successfully as you can. Know full well that if each of your tasks is performed successfully, or at least the greater majority of them, your life must be successful.

_______

Send us your Adjustment Bureau stories! [email protected]  And who wants to join our extroverted introverts support group? Don't worry - we never meet. 

_________________________

Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU

Check this out for some free resources to get you started: www.financialtransformation.ca 

If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly 

Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ 

And her personal account here: https://www.instagram.com/erinskyekelly/ 

And the website for everything else: www.erinskyekelly.com 

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin Skye Kelly jokes that Erin B was one of her favourite participants in the Get The Hell Out Of Debt program, and it’s not just because they share the same name. It’s because she embodied some characteristics of success that she teaches at Financial Transformation Weekend. 

Want to join us for Financial Transformation Weekend in January 2023? Check out transformationweekend.ca. 

_________________________

Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.

The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU

Check this out for some free resources to get you started: www.financialtransformation.ca 

If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly 

Follow Erin here: https://www.instagram.com/getthehelloutofdebt/ 

And her personal account here: https://www.instagram.com/erinskyekelly/ 

And the website for everything else: www.erinskyekelly.com 

Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.

Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.

If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!

Learn more about your ad choices. Visit megaphone.fm/adchoices