The Keys To Riches™ Financial Wellness Series is a baker’s dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

This week's key is going to finish out our assessment and give us the most realistic picture of what our finances look like. Heather shares her unique way of breaking budgets and bad money habits to create a better more functional way to manage money.

Key Statement:

I know that trying to create and stick to a budget is a losing proposition because it can mean sacrifice and not truly addressing my financial challenges; therefore, to be truly financially independent, I must create and stick to a realistic healthy savings and spending plan.

Key Affirmation:

I have and live by a healthy savings and spending plan.

Key Commitment:

I commit to designing and living by a healthy savings and spending plan that suits me and my family.

Key Action Item:

Categorize your assessment envelope. Analyze your expenditures in each area. Are they what you thought they would be? Pull out your Dreams With Deadlines™ strategy and further evaluate your needs versus wants. Balance them with your goals. Work on your essential wants and figure out how we can reallocate those non-essential wants after we create our savings plan and eliminate our debt so we can begin to take control of our financial future.

These are just some examples of things you can anticipate and work into your plans.  Be creative with you strategy so you can achieve financial independence AND still enjoy the fruits of your labors today.

Mortgages can be a strain on one's relationship and filing the application can start the headaches, so tune in to Unlock Your Wealth Radio as real estate expert Heather Wagenhals reveals mortgage application tips and ways to know up front how to handle yourfinancial future in home ownership.

This week's episode of Unlock Your Wealth Radio as Heather reveals what you should be looking at when considering a mortgage. ]']\Surprisingly it's not about affordability but rather lifestyle that you should look at when calculating a house payment.

If you don't have an emergency fund set up then you're going to screw up, it's not a matter of "if" you screw up,

but rather a matter of 'when' you will screw up."

In this interview Heather Wagenhals breaks down mortgage application tips and the required documents when applying for a mortgage.

Finding out a mortgage credit rating can be heavily weighted on ones credit card debt and how one has managed long-term debt. Learn more about what lenders are looking for to qualify you in a mortgage as prepare for your financial future.

Tune in every Monday to The Keys To Riches™ Financial Wellness Series is a baker’s dozen of fin

Mortgages can be a strain on one's relationship and filing the application can start the headaches, so tune in to Unlock Your Wealth Radio as real estate expert Heather Wagenhals reveals mortgage application tips and ways to know up front how to handle your financial future in home ownership.

This week's episode of Unlock Your Wealth Radio as Heather reveals what you should be looking at when considering a mortgage. Surprisingly it's not about affordability but rather lifestyle that you should look at when calculating a house payment.

If you don't have an emergency fund set up then you're going to screw up, it's not a matter of "if" you screw up,

but rather a matter of 'when' you will screw up."

In this interview Heather Wagenhals breaks down mortgage application tips and the required documents when applying for a mortgage.

Finding out a mortgage credit rating can be heavily weighted on ones credit card debt and how one has managed long-term debt. Learn more about what lenders are looking for to qualify you in a mortgage as prepare for your financial future.

The Weekly Keys To Riches™ Financial Wellness Series is a baker’s dozen of financial concepts that teach you how to think like the rich and be in control of your own money. It also gives you specific techniques to create or fix your credit, eliminate debt, save and invest, building wealth and happiness holistically, all while transforming your current financial habits into healthy money management skills.

Key Six: Hope for the Best, Plan for the Worst

Key Statement:

While I remain optimistic about my financial future, I am keenly aware that a catastrophic event may occur me or my family that could materially alter my financial picture, so must be prepared for the unknown.

Key Affirmation:

I am prepared for any financial situation that life may throw at me.

Key Commitment:

I commit to planning for alternative scenarios that may challenge me or my family.

Key Action Item:

Sit down with yourself and significant other, if you have one, and list all of the worst possible outcomes that may beset your family. Things like:

one or both of you losing your joban unexpected pregnancythe sudden responsibility of an indigent parentinjury or accident that may keep you from workingdeath of an income producing spousea lawsuita physical or mental limitation in a child or sibling that may require additional care or treatment not covered by insurance

These are just some examples of things you can anticipate and create plans. Having an alternate plan of action is like the insurance policy you pay for and never use.

The Weekly Keys To Riches™ Financial Wellness Series is a baker’s dozen of financial concepts that teach you how to think like the rich and be in control of your own money. It also gives you specific techniques to create or fix your credit, eliminate debt, save and invest, building wealth and happiness holistically, all while transforming your current financial habits into healthy money management skills.

Listen every Monday morningon the Libsyn Platform where you’ll find our featured Key for the week from Heather’s Keys To Riches™ Financial Wellness Series.

Tune in to this week's Key Number Six: Hope for the Best, Plan for the Worst as host Heather Wagenhalsoffers specific financial techniques to help your financial habits become healthy money management skills.

Key Six: Hope for the Best, Plan for the Worst

Key Statement:

While I remain optimistic about my financial future, I am keenly aware that a catastrophic event may occur me or my family that could materially alter my financial picture, so must be prepared for the unknown.

Key Affirmation:

I am prepared for any financial situation that life may throw at me.

Key Commitment:

I commit to planning for alternative scenarios that may challenge me or my family.

Key Action Item:

Sit down with yourself and sign

Filing an insurance claim can be foreign to many individuals so on this week's Unlock Your Wealth Radio Show, host and personal financial expertHeather Wagenhals offers insurance advice and tips to help individuals file those claims. Tune in to learn more about how to properly file and document an insurance claim. 

Unlock Your Wealth Radio airs every Friday at 9AM PST, bringing listeners a unique look to their finances, as this biology-based money management show stresses the importance of money, breaking down segments to help listeners gain control of their financial future. Tune in every Friday for the Moolah Word of the Week, Money Drama & more!

Tune in every Monday to The Keys To Riches™ Financial Wellness Series is a baker’s dozen of financial concepts that teach you how to think

Filing an insurance claim can be foreign to many individuals so on this week's Unlock Your Wealth Radio Show, host and personal financial expert Heather Wagenhals offers insurance advice and tips to help individuals file those claims. Tune in to learn more about how to properly file and document an insurance claim. 

Unlock Your Wealth Radio airs every Friday at 9AM PST, bringing listeners a unique look to their finances, as this biology-based money management show stresses the importance of money, breaking down segments to help listeners gain control of their financial future. Tune in every Friday for the Moolah Word of the Week, Money Drama & more!  

Tune in every Monday to The Keys To Riches™ Financial Wellness Series is a baker’s dozen of financial concepts that teach you how to think like the rich and be in control of your own money.

This week's Key: Take Emotion Out of the Picture

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Tune in to this week's Key Number Five - Take Emotion Out of the Picture as host Heather Wagenhals offers specific financial techniques to help your financial habits become healthy money management skills.

This Week's Key:

Take Emotion Out of the Picture

Key Statement:

I know that I work hard for my money, and feel that I'm entitled to spend the way I want. However, to be truly successful at managing my money, I need to keep my passions in perspective, being excited about making money and conservative when spending it.

Key Affirmation:

I detach from my emotions when managing my personal finances.

Key Commitment:

I commit to leaving my emotions out of my everyday money decisions.

Key Action Item:

When you are feeling overwhelmed with emotion to the point of impulse spending, walk away, take a deep breath,  shake it off, and allow yourself to calm down. Then you can be objective and ask yourself this: "Is there a positive financial return on this investment? Is this expenditure going to make me money down the road, or, is this the end of the road for this dollar as I invest it into this material object?"As we start focusing on putting our money where it's going to have a return, this will become easier over time. Good luck and we look forward to having you listen to tomorrow's show!

Tune in to this week's Key Number Five - Take Emotion Out of the Picture as host Heather Wagenhalsoffers specific financial techniques to help your financial habits become healthy money management skills.

The Keys To Riches™ Financial Wellness Series is a baker’s dozen of financial concepts that teach you how to think like the rich and be in control of your own money. It also gives you specific techniques to create or fix your credit, eliminate debt, save and invest, building wealth and happiness holistically, all while transforming your current financial habits into healthy money management skills.

Listen every Monday morningon the Libsyn platform where you’ll find our featured Key for the week from Heather’s Keys To Riches™ Financial Wellness Series.This Week's Key:

Take Emotion Out of the Picture

Key Statement:

I know that I work hard for my money, and feel that I'm entitled to spend the way I want. However, to be truly successful at managing my money, I need to keep my passions in perspective, being excited about making money and conservative when spending it.

Key Affirmation:

I detach from my emotions when managing my personal finances.

Key Commitment:

I commit to leaving my emotions out of my everyday money decisions.

Key Action Item:

When you are