Timeline: 01:00 – What are your thoughts on gambling? 03:14 – Are 0% interest rates a good deal when buying a car? 05:41 – Can a line of credit replace an emergency fund? 07:52 – Are you cheap? 10:40 – Win a $50 Visa Gift Card Resources & Links: AskJoel Episode 2 AskJoel Episode 1 Email your questions to…

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Today we are sitting down with Michelle Jackson from The Shop My Closet Project blog. Michelle has slashed her expenses by over $13,000 without impacting her lifestyle. During this amazing interview we dive into everything from how to get to europe on $650, using things until they are gone, and being a foodie on a…

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Timeline: 00:50 – When is the right time to buy a house? 07:01 – How much house can I actually afford? 08:44 – Should I do a 15 year mortgage or 30 year mortgage? 12:02 – Am I throwing my money away by renting? 16:51 – Get a $50 Visa Gift Card FREE Resources & Links: American Dream or…

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Today I am talking about Stop #1 of the Financial Freedom Journey. Do you know how to create one of top budgets. If not this is the episode for you. We are also discussing how to get commitment from your spouse. This is the foundation of your Financial Freedom Journey and a must listen for…

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Timeline: 00:46 – Should I use a bank or credit union? 05:39 – What kind of second job should I get? 08:33 – Can I take a break during the Financial Freedom Journey? 10:42 – How much should I save for retirement? 13:01 – How to win a $50 Visa gift card Resources & Links: National Credit Union Administration…

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Today I am talking with Paula Pant from Afford Anything. Paula has created a movement rooted in the idea that “you can afford anything, but not everything”. Open your ears, shut your eyes and buckle up. Paula shares her take on budgeting, saving, and how to automate the entire process. This episode will change your…

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Timeline: 01:12 – How do I prepare for a baby? 03:48 – Is 0% financing a good decision? 07:13 – Should I pay monthly for my cell phone? 12:44 – How much should I budget for entertainment expenses? 16:44 – How to win a $50 Visa gift card Resources & Links: Email your questions to [email protected]

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We are joined today by Melanie Lockert the the personality behind the award winning blog DearDebt.com. Melanie encourages people with debt to write their breakup letter to debt each day. Melanie is an incredible example of how you can completely change your life. She used to be living off food stamps and now makes a 6-figure…

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Timeline: 00:49 – Are you able to pay off credit card debt using student loans? 04:54 – How do I stop spending my savings? 08:30 – How long should I hold on to my credit card statements? 11:33 – What should I do if my car is starting to die? Resources & Links: Ally Financial –…

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We are sitting down with Chonce Maddox, the blogger behind the incredible MyDebtEpiphany.com. She is helping people every day live frugally, crush their debt, and paying of her own debt. Chonce has an incredible story. She used to be living on welfare as a single mom and now has paid off over $25,000 of her…

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