Send us a text

Personal Finance is based on knowing your numbers. What number should you always know and why. Mister Chuck look into these numbers to give you the information so you know your happy numbers.

1.     Net Income

2.     Monthly Expenses 

3.     Debt Interest Rates & Amount

4.     Savings Interest Rates (also Rate of savings)

5.     Net Worth

6.     Years to Retirement

 Article Links:

https://www.thesimpledollar.com/financial-wellness/the-personal-finance-number-that-matters-the-most/ by Trent Hamm

 https://www.moneysavedmoneyearned.com/8-critical-personal-finance-numbers-you-need-to-know/ By Tawnya Redding

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

 Mortgage calculator is used to see how much interest can be saved by making extra payment. But credit card debt is reduce by making larger payment, Debt consolidation,  or going to debt consulting are the common ways to reduce your debt. But one thing is missing Mister Chuck explain how to avoid these common ways and still get out of debt. 

Does paying extra on mortgage every month help or should you be making extra payments?

Article Links:

https://inspiredbudget.com/4-reasons-people-dont-pay-off-debt/ BY ALLISON BAGGERLY

 https://www.bankrate.com/mortgages/prepaying-your-mortgage/ By Zach Wichter

 https://www.mortgagecalculator.net/advanced/

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

A  overview on how to get started investing. What you should be doing in the investing world, make your money work for you. 

Then what does it take to become a above average investor. Using Robo Advisor maybe the easy way to get started.

Article link:

https://millennialmoney.com/start-investing/ By GRANT SABATIER

https://www.motilaloswalmf.com/knowledge-centre/5-keys-of-investing

Countabout


Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

We make mistakes in personal finances. Here are some of those mistakes and how to solve this problem. Mister Chuck talks about these and just knowing about these mistakes can help your finances. There are 22 Mistakes listed in this article and  I cover them all.

Article Links:

https://www.listenmoneymatters.com/financial-mistakes/ By Candice Elliott

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

Mister Chuck discuss should you do a cash out refinance or get a Line of credit. First does this fit into your debt reduction plan and should this be done.

1 What is your debt reduction plan

2 How will cash out refinance fit into this plan

3 Have you used the 30 Day rule

4 What are the costs and how much could you cash would you get

5 How are you using the cash 

Article Links:

https://www.nerdwallet.com/article/mortgages/refinance-cash-out By Deborah Kearns, Holden Lewis

https://themortgagereports.com/68932/cash-out-refinance-guide-rules-rates-requirements By Erik J. Martin  

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

Mister Chuck discuss changing your financial lifestyle to improve your credit score and get out of debt. Apply 60 simple rules of Personal Finance.

 1 Why improve credit score

2 How improve credit score

 Article Links:

 https://www.myknowledgebroker.com/blog/personal-insurance/how-to-raise-your-credit-score-by-100-points-in-45-days/  Posted by Steph Schreiber

 https://www.incharge.org/blog/can-my-credit-score-go-up-100-points-in-a-month/  by Joey Johnston

 

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

Mister Chuck explores this ratio debt to Income plus other things to know about using this to your advantage.

 1 What it is and what is means

2 How to compute this ratio

3 Why is good to Know and Who uses Ratio

Article Links:

https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791   

https://www.investopedia.com/terms/d/dti.asp  By CHRIS B. MURPHY

 

 

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

Mister Chuck covers the warning signs of possible scammers concerning debt settlements providers. Then covers the basics of how to set up a budget and discussed if this is a process that any do it yourself can do to save the fees of debt reduction services.

1. Warning Signs

2. Don’t do these things

3. Can you do it yourself before using a service

Articles Links:

https://www.moneyunder30.com/10-things-you-should-know-about-debt-management-programs by David Weliver

https://www.moneymanagement.org/budget-guides/create-a-budget 

 

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

What is net worth and why it important. Mister Chuck explain and why important to keep track of once a year. Also covers tax planning and Estate planning in this episode everyone needs to have a knowledge on these topics even at a young age. 

 1 Net Worth

2 Tax Planning

3 Estate Planning

 Article Links:

https://www.thesimpledollar.com/financial-wellness/how-to-calculate-your-net-worth/ By Trent Hamm

https://www.nerdwallet.com/article/taxes/tax-planning by Tina Orem

https://www.estateplanning.com/What-is-Estate-Planning/

 

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.

Send us a text

Rule #1 Spend less than you earn seems a simple rule but that really does that mean. How do you achieve this habit? There are times maybe it not appropriate to follow. Mister chuck discuss this rule in detail. What is financial distress and how to recognize when you are becoming distress. 

 Articles Links

https://www.fca.org.uk/insight/understanding-financial-distress By Benedict Guttman-Kenney

https://lifehacker.com/spend-less-than-you-earn-is-useless-unhelpful-financ-1710042416 

Support the show

Please support the show by subscribing, can cancel at any time. Thanks for the support.

• Subscription page: https://www.buzzsprout.com/961804/support
• Contact: [email protected]
• Wanting Budget Spreadsheet Place Spreadsheet as Subject
• https://Happygiraffe.org/live
• https://www.shopfinancial.com/lantianbaiyu/

All other inquires place topic into Subject.