Minding Your Money

Sometimes cutting expenses just isn't enough. Sometimes, to reach your financial goals, you need to bring in more money. Here are some tips and things to consider when determining the best way for you to increase your income.

 

Let's connect! instagram.com/vanessalinenberger

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

 

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

 

What is financial coaching? Check my website!

https://www.accountable.network/vanessalinenbergerwebsite

 

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Zovig Garboushian is the founder and head coach of Boldness Ablaze where she helps ambitious women reach for more.

We had a really great conversation around women and goals and money.

If you'd like to learn more about Zovig and her coaching  you can email her at [email protected] or check out her website: https://boldnessablazecoaching.com/

  6 Weeks to Bolder Living program: https://boldnessablazecoaching.com/6-weeks-live-bolder/   newsletter sign up: https://boldnessablazecoaching.us4.list-manage.com/subscribe?u=4ba455a06eac79fff72fdbb72&id=bd763d9aae    

Let's connect! instagram.com/vanessalinenberger

 

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

 

 

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

 

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

 

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

There are different types of budgets and each has features that are beneficial and help some people more than others. Finding one that resonates with you and how you think about money will help you achieve your financial goals.

Today I’m going to talk about 4 different types of budgeting styles that are each a little bit different in the approach but all promote intentional spending and aligning your spending with your goals.

1. Zero Based Budgeting

2. Envelope Method

3. Reverse Budgeting

4. 50/30/20 Method

 

Let's connect! instagram.com/vanessalinenberger

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

 

Money is the greatest stressor and cause for divorce so getting ahead of it and opening up that conversation is crucial. Today, I'm sharing the 5 topics you should discuss with your partner.

1. Joint or separate accounts
2. Budgeting
3. Debt
4. Retirement
5. Children

The key is to have these conversations right away and continually. Things change and circumstances shift, so staying in constant communication will help avoid being blindsided by something that can be detrimental to your relationship.

And, above all, be open and give each other grace. This is a hard topic but you are both on the same team. 

Need some help navigating these conversations? I can help! Schedule a free call with me and we can chat!

https://calendly.com/vanessajane/30minassessment

 

Let's connect! instagram.com/vanessalinenberger

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

 

 

If you have any questions about mortgages, the different types, how to qualify, how to prepare for buying a home, then this episode is for you!

We also discuss the current housing market and the different factors that helped get us here.

This was such a good interview with tons of great info!

 

If you're in the PNW and need a mortgage specialist, Rick is who you need to talk to! 

Rick Robertson, Certified Mortgage Planning Specialist, MLO-120044

Email: [email protected]

https://axiahomeloans.com/RickRobertson/

 

Let's connect! instagram.com/vanessalinenberger

 

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

 

 

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

 

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

 

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

The decision to lease or buy a vehicle depends on your needs and priorities. Good times to lease are if you only need a car for a few years or plan to replace your vehicle every couple years anyway.

Purchasing comes with higher monthly payments, but in the long run might still be cheaper for you.

Today's episode covers some of the pros and cons of each option and how to determine which is best for you.

Let's connect! instagram.com/vanessalinenberger

 

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

 

 

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

 

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

 

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Planning for retirement and knowing how much you need can be overwhelming. There are tools and resources you can use to help make more educated decisions to plan ahead.

Social Security Estimator: https://www.ssa.gov/benefits/retirement/estimator.html

Let's connect! instagram.com/vanessalinenberger

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

 

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

 

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Hi! I'm here with a new name and new cover, but still delivering you financial tools and knowledge so you can live your best life! I'm giving you a little re-introduction and share a bit about my business.

Have money questions? Let me know and I'll cover it in a future episode!

Let's connect! instagram.com/vanessalinenberger

 

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

 

 

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

 

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

 

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Choosing renting vs buying has long been debated. I'm not here to tell you which is better but to arm you with information and things to consider when choosing what is best for you.

Mortgage calculations via mortgagecalculator.org

Let's connect! instagram.com/vanessalinenberger

 

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

 

 

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

 

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

 

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

If you have a large tax bill due this year, you have some options. My first bit of advice, if you haven't yet, go to a CPA or professional tax preparer. They can help you in ways that a tax software just can't.

1. Offer in Compromise - if you qualify, you can negotiate your tax bill down

2. Installment Agreement - you can set this up without interest if you can pay within 120 days and owe less than $100K. If you need more time and owe less than $50K, you can still set up a payment plan but with interest and possibly some penalties.

Never ignore this problem! The IRS has the ability to garnish wages and seize property. Working with the IRS and being cooperative will help you get through this.

Visit the IRS website to explore more details: https://www.irs.gov/payments

 

Get your Tax Prep Checklist: https://view.flodesk.com/pages/6030a7ad0f39bbd4c36109b5

 

 

Let's connect! instagram.com/vanessalinenberger

 

Schedule a free call with me: https://calendly.com/vanessajane/30minassessment

 

 

Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

 

What is financial coaching? Check my website!

https://www.accountable.network/VanessaLinenbergerWebsite

 

Join a free money webinar!

https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0