Hilary of Freedom Sprout gives us tips to save on heating in time for the winter.
Episode 1341: 7 Ways to Save on Heating Costs This Winter by Hilary with Money Mini Blog on Lowering Utility Bills
Kalen Bruce created Freedom Sprout to fill a void. He heard too many conversations about how "they don't teach finance in schools." It took years for him to stop complaining about it and do something about it. He has five kids, so him and his wife have to get five adults into the world with a solid knowledge of finances. The ultimate goal and vision of Freedom Sprout: To sprout a future of financial freedom for 1,000,000 children.
The original post is located here: https://moneyminiblog.com/save-money/save-heating-costs/
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1341: 7 Ways to Save on Heating Costs This Winter by Hilary with Money Mini Blog on Lowering Utility Bills

Optimal Finance Daily, hosted by Diania Merriam, the innovative mind behind the personal finance conference EconoMe, takes you on an enlightening journey through the world of finance. Each episode brings to life the most compelling and practical advice from leading financial bloggers and experts. Diania’s engaging narration and insightful commentary transform complex financial concepts into relatable, actionable insights. Whether it’s budgeting, investing, debt management, or money mindfulness, she covers it all, making financial wisdom accessible to everyone.

Gain not just knowledge, but also the motivation to apply it in your daily life. It's not just a source of financial tips; it’s a daily companion that guides you towards financial freedom and savvy money management, all delivered with Diania's trademark enthusiasm and expertise.

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Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.
Episode 2703:
Discover why paying off your mortgage early might not be the financial boon you expect in Len Penzo's insightful analysis. Penzo, leveraging historical examples and economic trends, argues that in a high-inflation environment, maintaining a mortgage could be more advantageous than clearing it early. Explore this counterintuitive approach to personal finance management and how it might apply to your financial strategy.
Read along with the original article(s) here: https://lenpenzo.com/blog/id25716-why-paying-off-the-mortgage-early-may-be-a-big-mistake-2.html
Quotes to ponder:
"Mortgage payments (became) no more than a nominal burden to (homeowners) - a consideration which dismayed the mortgage banks."
Episode references:
When Money Dies by Adam Fergusson: https://a.co/d/iJQCS7C
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2703: Why Paying Off the Mortgage Early May Be a Big Mistake by Len Penzo on How to Fight Inflation

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Episode 2702:
Chris from KeepThrifty.com shares his journey of trading the pursuit of financial freedom for a one-year mini-retirement to spend quality time with his children. Despite the financial setbacks, he values this period as an invaluable investment in family life, illustrating that sometimes, life's best returns come from the heart, not the bank.
Read along with the original article(s) here: https://www.keepthrifty.com/trade-financial-freedom-mini-retirement/
Quotes to ponder:
"Who doesn’t want financial freedom? Getting to the point that your passive income can cover your expenses buys you opportunities and time in a way that most people can’t imagine."
"Despite the allure, I took an active step away from financial freedom this year, choosing to delay my freedom date by over 2 years."
"Trading twenty-seven months of financial freedom for fourteen months of mini-retirement now seems like a pretty good deal when you put our life situation in context."
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2702: Trading Financial Freedom for Mini-Retirement by Chris of Keep Thifty on FIRE Lifestyle & Sabbaticals

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Episode 2701:
Philip Taylor of PTMoney.com shares invaluable insights on becoming the master of your financial destiny. He emphasizes that personal finance expertise doesn't necessarily require formal qualifications like a CPA or CFP but instead advocates for self-education and proactive financial management tailored to your unique circumstances.
Read along with the original article(s) here: https://ptmoney.com/becoming-your-own-financial-expert/
Quotes to ponder:
"I simply share my story with money - the good, the bad, and the ugly."
"Only by becoming your expert can you appropriately decipher the financial headlines of the day."
"The secret is three-fold as I see it: only you know the detailed ins and outs of your financial situation, no one cares more about your money than you, and all you need to do is keep learning and try new things!"
Episode references:
The Making of an Expert: https://hbr.org/2007/07/the-making-of-an-expert
The Automatic Millionaire: https://www.amazon.com/Automatic-Millionaire-Powerful-One-Step-Finish/dp/0767923820
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2701: The Secret to Becoming Your Own Financial Expert by Philip Taylor of PT Money on Money Freedom

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.
Episode 2700:
Explore strategic financial management through Kalen Bruce’s insightful guidance on taking control of your finances. Bruce emphasizes the importance of understanding cash flow, setting realistic goals, and investing wisely to build a prosperous future. His approach demystifies financial planning, making it accessible and actionable for anyone seeking to enhance their financial stability.
Read along with the original article(s) here: https://moneyminiblog.com/budgeting/10-ways-to-take-control-of-your-finances/
Quotes to ponder:
"Being in control of your finances helps you make valuable decisions regarding your finances and it helps you spend less than you earn."
"Never make money your stress button; it can be your happy button."
"Knowledge and patience are the keys to success."
Episode references:
Money Tracking Took: What We Recommend
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2700: 10 Ways to Take Control of Your Finances by Kalen Bruce of Money Mini Blog on Financial Independence

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Episode 2699:
Nick Maggiulli's article, "Your Greatest Asset is YOU," reveals that the most valuable financial asset you possess isn't your bank account or investments, but rather your human capital. When wisely managed and invested, this wealth of personal skills and knowledge can yield greater long-term financial returns than traditional investments.
Read along with the original article(s) here: https://ofdollarsanddata.com/your-greatest-asset-is-you/
Quotes to ponder:
"Your human capital can be considered an asset that you use to earn money."
"Each year you work reduces the present value of your human capital."
"By saving and investing, you are rebuilding yourself as a financial asset equivalent that can provide you with income when you no longer work."
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1341: 7 Ways to Save on Heating Costs This Winter by Hilary with Money Mini Blog on Lowering Utility Bills

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