How You Spend Your Days

By Colin Loretz

Candid conversations about debt, the stigma around money and follow Colin's journey toward debt freedom. Hosted by Colin Loretz.... more

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FAQs about How You Spend Your Days:

How many episodes does How You Spend Your Days have?

The podcast currently has 47 episodes available.

How You Spend Your Days episodes:

May 15, 2019Ep26: Money and Family with CJ Avilla
This week, I’m joined by a friend and colleague, CJ Avilla. We discuss his philosophies around money, how his family tracks money, how they spend money and how CJ and his wife have been teaching their kids about money.
Some of the articles and resources we discuss in this episode:
Americans Spend $18k a year on nonessentials
Other accountability podcasts (pretty focused on software)
Art of Product with Ben Orenstein and Derrick Reimer
Build Your SaaS with Justin Jackson and Jon Buda
Zen Founder Podcast Episode 100: How To Teach Your Kids About Money
Our Guest This Week
CJ Avilla, Software Developer
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
34min
May 01, 2019Ep25: Recalibrating for New Goals
Episode 25! This week is a quick rant on recalibration. It’s a good time to bring back some awareness around how much I’m spending, on what, when and why. With the start of a new month (May), I’m looking to jump back into another frugality challenge and only allow myself to spend money dining out on weekends. Most of the weekend and weekdays will come from cooking at home and grocery shopping only.
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
18min
April 24, 2019Ep24: HY$YD Six Month Update 💸💸
This week marks the point where I’ve been doing this show for 6 months. It also represents 6 months of me paying more attention to my financial health than I ever have. That attention has come in the form of:
Doing a deep dive into where my money was going
Greatly reducing my discretionary spending
Took on a few challenges around frugality and cooking/eating at home
Set up systems to make sure I can’t deviate from the plan
New goals!
3-month goal – July 2019
Goal 1: Replenish my emergency fund to $1000
Goal 2 is more of a challenge for myself: I’m going to call each of my credit card companies and ask them to lower my interest rate. I make my payments on time and think that the exercise would be a good one to do since the worse they can say is no.
6-month goal – October 2019
Goal 1: To have at least $1000 paid off on my highest interest rate card
Goal 2: Fund my emergency fund to $2000
Some of the tools that I’m using:
Google Spreadsheets
Catch – for squirreling away withholding taxes and paying into retirement (referral bonus!
Referral bonus! “Every time someone creates a plan with your referral link and contributes $10 you’ll both receive a bonus toward Time Off.” If you’d like to try Catch, we both benefit! Sign up here
Simple – the bank that I use for tracking and saving goals
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
15min
April 17, 2019Ep23: Resistance and Plateaus
This week I explore the Resistance that one encounters when trying to complete creative endeavors, especially ones that take a great deal of time to see to fruition.
The idea of “Resistance” with a capital R is a big focus of Steven Pressfield’s “The War of Art”. I first read the book many years ago but it was nice to come back to the concepts now and map them to my financial goals.
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
17min
April 10, 2019Ep22: “Life Happens” with Tanja Hester
Tanja Hester is back this week to join us for Episode 22. We spend this episode going through updates on what is going on in our lives. Check out the bulleted list of topics below.
Cashflow as a Freelance
Adding to the Emergency Fund with a “Life Happens” fund (idea from Suze Orman)
Setting a new floor for your finances
Tax Season & Business Entities
Tanja’s life after releasing Work Optional
Creating a Money Mission Statement
Expectations vs Reality
Uber Frugal Month Challenge with The Frugalwoods

Our Guest This Week
Tanja Hester, Our Next Life
Twitter: @our_nextlife
Website: Our Next Life
Podcast: The Fairer Cents
Tanja’s new book! Work Optional – Retire Early the Non-Penny-Pinching Way
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
35min
April 03, 2019Ep21: Valuing Your Life Energy – Maximizing Income
In this episode, I get a little introspective and talk about valuing your life energy, as talked about a lot in Vicki Robin’s book, Your Money or Your Life. Up until now, we’ve been largely focused on minimizing spending but another way to value your life energy is to free up more time by maximizing your income.
Life Energy Calculator
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
21min
March 27, 2019Ep20: Travel, Trips & Vacations
This week I am checking in to discuss how I’m approaching travel, trips and “vacations” while continuing to prioritize getting out of debt.
Resources In This Episode
Kayak
Marriott Bonvoy
Southwest Rapid Rewards
Hotel Tonight
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
21min
March 13, 2019Ep19: No Spend Month Challenge with Chanelle Bessette
In this episode, I’m joined by Chanelle Bessette to talk about the “No Spend Month” challenge that we both undertook for February. We discuss what rules we set for ourselves, the challenges we ran into and the results from taking a financial detox period.
Links from this episode
Frugalwoods
Get Money by Kristin Wong
NPR Life Kit: Getting out of Debt
Our Guest This Week
Chanelle Bessette, Personal Finance Writer
Instagram: @crbessette‬
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
21min
March 06, 2019Ep18: Tackling $80,000 in student loans with Nicole Rose Dion
In this episode, we’re joined by Nicole Rose Dion, who conquered over $80,000 in student loan debt in 6.5 years after graduating from college. I talk to her about the stigma around debt, the constant stress and anxiety she felt while she was paying minimum payments and how she was able to shift her mindset to focus on getting the debt gone as quickly as possible.
I put the final payment through on Wednesday as a birthday present to myself. It’s so, so sweet. – Nicole
You can read Nicole’s full proclamation of student debt freedom over on her Instagram at https://www.instagram.com/p/BpH1GNJFZSw/.
Our Guest This Week
Nicole Rose Dion
Instagram: @nicolerosedion
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
26min
February 27, 2019Ep17: Revisiting My Goals After Four Months
After four months of doing this show, I revisit the goals that I set in Episode 3. 17 weeks have gone by and while I am slowly chipping away at my overall financial goal, a lot has happened since I started paying better attention to my finances and cultivating a better relationship with money.
To recap, those goals were:
Goal 1: Create a $1,000 emergency fund (small setback, but almost there)
Goal 2: Establish a plan with the IRS (done)
Goal 3: Choose a plan of attack for credit card payoff (in progress)
Goal 4: Inventory my expenses (done)
Goal 5: Smooth out my freelance income or get a job (in progress / always something to work on)
Follow HY$YD or send us questions/feedback
Twitter: @howyouspend
Instagram: @howyouspend
Web: howyouspendyourdays.com
...more
19min

FAQs about How You Spend Your Days:

How many episodes does How You Spend Your Days have?

The podcast currently has 47 episodes available.