#94: Today I break down the tax return Form-1040 into sections to help us better understand what we need - and why we need it. Income tax returns can be difficult. Breaking the 1040 down into sections helped me to understand it better. For full show notes, visit http://moneyplansos.com/sos094-understanding-the-1040-tax-form

#93: Congress averted the Fiscal Cliff. Or did they? Effective with the first payroll of 2013, there are a number of changes to paychecks for employees. The American Taxpayer Relief Act of 2012 ("Relief Act") was passed by the United States Congress on January 1, 2013, and includes several changes ... For more information, visit http://moneyplansos.com/sos093-why-your-paycheck-is-smaller-and-2013-payroll-tax-cuts/

#92: Jon White shares a story of how someone gave really bad financial advice to a young couple. You can read his post here: http://jwfinancialcoaching.com/who-are-you-taking-your-advice-from/ He and I agree, there is a lot of advice out there that will lead you to make bad decisions with your money. Jon and I talk about How Financial Coaching is [...] For more, visit http://stevestewart.me/sos092-know-where-your-advice-is-coming-from-and-a-rant

#91: Financial Soldier, Jeff Rose, is starting another movement. He is leading the Debt Squad into a battle with debt and we are taking no prisoners. In this interview he shares how he came up with the idea, the goal, and what he expects will happen in the next 90 days. The Debt Movement [...] For more information, visit the show notes at https://moneyplansos.com/sos091-get-out-of-debt-with-the-debt-movement-interview-with-financial-soldier-jeff-rose/

#90: Putting money into a 401k is a smart tax-saving money move. The Government allows us to sock away up to $17,000 of our hard-earned pay and not pay income tax on it (up to $17,500 in 2013). The money in the account grows without making you pay taxes like a regular investment-type account would, you [...] Read more about how a 401(k) works at https://moneyplansos.com/sos090-how-saving-taxes-with-a-401k-works/

#89: Certified Financial Planner and IRS Enrolled Agent, Jim Blankenship, is the owner and author of FinancialDucksInARow.com, a blog that focuses on taxes, retirement planning, and Social Security. He saw the savings rates as being too low to enable Americans to retire when they wanted to or that they didn't have enough when they needed. Want to learn more? Visit https://moneyplansos.com/sos089-save-1-percent-more-in-2013/

#88: ONLY 38 MONTHS LEFT ON OUR MORTGAGE! What happens when I throw a little bit extra every month towards the principal? The scales tip towards our debt free date, that's what! UPDATE: We paid off our house in December 2015. For more information, visit the show notes at https://moneyplansos.com/sos088-no-more-mortgage-counting-the-months/

#87: What is the best thing to do with a Christmas Bonus? It depends on your current financial situation. There are only three things you can do with money: Spend it, save it or give it - and we need to do a little of all three. In this episode, I use the example of a $10,000 bonus check. For more information, visit the show notes at https://moneyplansos.com/sos087-smart-moves-for-a-christmas-bonus/

#86: Interview with a YNAB super-user You Need A Budget, an incredibly flexible and easy-to-use software application, started as an excel spreadsheet. Steve Mudie remembers those days as he started using it back in the early days of YNAB. After filing for bankruptcy, Steve Mudie discovered Dave Ramsey. He realized the importance of keeping to a [...] For more information, visit the show notes at http://moneyplansos.com/sos086-ynab-super-user-and-fascinating-facts-about-powerball/

#85: Professional Organizer Diana Luetkemeyer joins us again to share tips on how to have a stress free holiday. How do we handle the added responsibilities during the holiday season? Write down your favorite 3 holiday tasks Write down least favorite 3 holiday tasks Delegate least favorite to others (hire someone or ask family to help) The post How To Have A Stress Free Holiday appeared first on MoneyPlanSOS.com