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Personal Finance: Keep Money Simple
Personal Finance: Keep Money Simple episodes
- 18. Create Your Holiday Spending Plan
The holiday season often comes with extra expenses, from gifts and travel to food, decorations, and celebrations. Having a plan can help you make intentional decisions about how to spend your money.
In this episode, money coach Andrea walks you through three simple steps to create a holiday spending plan that reflects your priorities and works with your finances.
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Need personalized support and an action plan tailored to your goals?
Click here to learn about 1:1 money coaching.
13 min - 17. Money Minute: What is Zombie Debt?
Just in time for Halloween, we're talking about zombie debt! 🧟
In this Money Minute, money coach Andrea explains what zombie debt is and how old debts can sometimes come back to haunt you.
For more info, check out this article: Debt Scavengers and Zombie Debt
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3 min - 16. Money Minute: What Does It Mean to be Upside Down on a Loan?
What does it mean to be upside down on a loan?
Money coach Andrea explains what it means to be upside down (a.k.a. underwater or having negative equity), why it doesn't necessarily mean you're in financial trouble, and when it can become a problem.
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Click here to sign up for the newsletter
Need personalized support and an action plan tailored to your goals?
Click here to learn about 1:1 money coaching.
3 min - 15. Accelerated Debt Repayment: Alternatives to the Debt Snowball and Debt Avalanche
Looking for a way to pay off debt faster, but not sure the debt snowball or debt avalanche is right for you?
In this episode, money coach Andrea explores three alternative debt repayment strategies: highest minimum payment first, highest emotional baggage first, and letting chance decide.
Learn how each strategy works and how to choose an approach that makes sense for you.
Need help figuring out your debt repayment strategy?
Click here for a debt repayment strategy tool.
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10 min - 14. Money Minute: What is Debt Cancellation or Forgiveness?
In this Money Minute, money coach Andrea explains what debt cancellation and forgiveness mean, how they happen, and why forgiven debt may have tax consequences.
Want practical tips in your inbox and invites to exclusive events?
Click here to sign up for the newsletter
Need personalized support and an action plan tailored to your goals?
Click here to learn about 1:1 money coaching.
2 min - 13. Money Minute: What is a Credit Card Charge-Off?
What happens when a credit card company charges off an unpaid debt? Does that mean the debt is gone? Money coach Andrea explains what a credit card charge-off means and why it isn't the same as debt cancellation or forgiveness.
Resource: Federal Trade Commission: Debt Collection FAQs
Interested in working with Andrea for individualized support?
Click here to learn about 1:1 money coaching.
2 min - 12. Accelerated Debt Repayment: Debt Snowball and Debt Avalanche
Want to pay off your debts faster but aren't sure which debt to tackle first? Money coach Andrea explains two popular accelerated debt repayment strategies, the debt snowball and debt avalanche, and how to decide which approach works for you.
In this episode:
- Five steps to get started with accelerated debt repayment
- How the debt snowball strategy works
- How the debt avalanche strategy works
- The benefits and tradeoffs of each approach
- Why you don't have to stick with just one strategy
Keep Money Simple Newsletter: Click here to sign up for the newsletter
Interested in working with Andrea for a personalized plan and support?
Click here to learn about 1:1 money coaching.
11 min - 11. Money Minute: How do Credit Card Minimum Payments Work?
What happens when you make only the minimum payment on a credit card? Money coach Andrea explains how minimum payments affect how long it takes to pay off your balance and how much interest you pay.
Want to submit a question for a future episode?
Use the link below to record a question of 90 seconds or less:
Click here to record your message.
Want to work with Andrea?
Click here to learn about 1:1 money coaching.
4 min - 10. Money Minute: How Does Credit Card Interest Work on Purchases?
How does credit card interest work when you make purchases? Money coach Andrea explains APRs, grace periods, and how interest can affect your progress when you're carrying a balance.
Want to submit a question for a future episode?
Use the link below to record a question of 90 seconds or less:
Click here to record your message.
Want to work with Andrea?
Click here to learn about 1:1 money coaching.
5 min - 9. How to Plan for Expenses That Don’t Happen Every Month
Expenses that don't happen every month can still be part of your monthly plan. Money coach Andrea explains how to use sinking funds to prepare for them.
In this episode:
- Five questions to ask when setting up a sinking fund
- How much to set aside each month
- How to track your sinking funds
- Sinking funds vs. emergency funds
Click here for the Sinking Fund Brainstorm worksheet
Want to submit a question for a future episode?
Use the link below to record a question of 90 seconds or less:
Click here to record your message.
Want to work with Andrea?
Click here to learn about 1:1 money coaching.
14 min
About Personal Finance: Keep Money Simple
From the publisher's feed
Keep Money Simple is the personal finance podcast for people who want to get a handle on their money without feeling overwhelmed.
This podcast is for you if you've been asking yourself questions like:
* How do I make managing my money easier?
* I have a good income, but where does all my money go?
* How do I get out of debt?
* How do I create a budget that actually works?
* How do I organize my finances?
* How do I set goals for my money?
* How do I stop overspending?
* What do all these financial terms even mean?
* How do I plan for buying a house, retirement, a vacation, or another big financial goal?
* Should I pay off debt or build up savings first?
* How do I pay off credit card debt, build an emergency fund, and still have money for other things?
* How do I figure out my vision for my financial future?
* How do I improve my credit score so I can qualify for a loan?
* What bills should I pay first?
* Where do I even start?
You don't have to figure it all out on your own.
Your host, Andrea Jaramillo, is a money coach who believes personal finance doesn't have to be complicated. Through practical tips, clear explanations, and actionable steps, she helps you build confidence, develop positive money habits, and make steady progress toward your financial goals.
If you're ready to get clear on your money, ditch the stress, and build a financial life that works for you, you're in the right place.