Your Money Made Easy

You're ready to really start getting organized with your money.

You want to know where you stand.

You want to figure out how to create a budget.

You want to plan for your retirement.

But you consistently keep running into roadblocks of your own making.   You don't actually get started.  You start and stop.  You indulge in a little retail therapy.

And you beat yourself up.

Guess what?  You don't have to do that anymore.  You can change your money mindset to create a life of abundance and peace with your money.

The first step is understanding what a mindset is.

A mindset is the way you think, feel and react to a specific situation in your life.  It's a combination of ALL four pieces.

Yes…there are FOUR pieces which means that when you are trying to sort it all out in your head it's inevitable you keep running into thoughts and emotions which makes you feel like you are running in circles.

No matter how good your intentions, there's a LOT going on.

So how do you sort it all out so you can get on the right track?  You know….to a life of abundance and peace….

In today's show, I'm going to show you EXACTLY how to unravel what's going on.  Best of all, it will fit all on one sheet of paper.  Want to download the worksheet?  HERE a link.

Once you've identified what's really going on, it is SO much easier to figure out what needs to change.  Best of all…. the changes don't have to be hard.

This is so doable!!!!

Please come over to the show page and leave us a sample of your money mindset map.  If you get stuck, leave me a comment and I'll make sure you get the help you need.

The information you need is finally here!!!!

Have you hesitated about applying because you weren't really sure how these programs will work?

Did you apply but now you're nervous you don't know what you signed up for?

This is your in-depth analysis of the FREE money and loan programs available to the self employed and small businesses during COVID

This week I cover:

• the details of each program
• how much money can you expect to get
• how to apply
• what is free versus a loan
• which option is right for you
• how to get started

I also cover the facts versus rumors and I run through several scenarios you may find yourself in with detailed recommendations for what you should do to make the most of these programs.

Don't forget to download the cheat sheet that lays out all the details and compares the programs!

** DOWNLOAD THE CHEAT SHEET HERE ** 

CHEAT SHEET – Details of COVID Loan Programs -  https://bit.ly/3a5GU3G

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** RESOURCES & LINKS MENTIONED IN THIS VIDEO **

Download Cheat Sheet – Compare all COVID loan programs https://bit.ly/3a5GU3G

Sign up for my LIVE online class "How to Manage Your Money During the Coronavirus" https://bit.ly/2UsIPe8

Get on my email list for all the latest news http://bit.ly/30YUUJm

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*** JOIN THE YOUR MONEY MADE EASY COMMUNITY ***

https://www.facebook.com/groups/RealFamilyFinance

Tired of the way the money in your life makes you feel?  Why do we feel like we are supposed to know how to manage money when it's not something we are taught when we are growing up?  No worries…I've got you covered.

I created the Your Money Made Easy support group for women that want to learn how money works and want to be surrounded by other women that are changing the way they manage the money in their lives.

When you join Your Money Made Easy, you not only will have access to the support of other successful, like-minded people, but you also will have access to the FREE trainings and resources from me!  Having a group lets me make my content more personal and exclusive to the members of the group.

Sound good to you?  REQUEST TO JOIN!

https://www.facebook.com/groups/RealFamilyFinance

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** SAY HI ON SOCIAL **

Facebook: https://www.facebook.com/RealFamilyFinance

Facebook Group: https://www.facebook.com/groups/RealFamilyFinance

Instagram: https://www.instagram.com/realfamilyfinance/

As promised….here's all the LATEST information on getting unemployment if you are an independent contractor.

The most important thing you need to know is that as of April 6, NONE of the states are set up to process this new group of people correctly.

So…. if you were hoping to collect…….  1) don't give up and 2) understand how this is all going to work so you can get the most money possible.

As of March 27, 2020, for the first time ever, independent contractors and gig workers will be able to receive weekly unemployment checks.

This show covers who is defined as an independent contractor, how it works, how much you can expect to receive and how to apply.

Make sure you subscribe to the show so you can hear about new tips for your money during this crazy Coronavirus crisis.

** RESOURCES & LINKS MENTIONED IN THIS VIDEO **

Unemployment benefits by state including a link to sign up  https://bit.ly/2UsVltK

Sign up for my LIVE online class "How to Manage Your Money During the Coronavirus" https://bit.ly/2UsIPe8

Get on my email list for all the latest news http://bit.ly/30YUUJm

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** FIND ME ON SOCIAL **

Facebook: https://www.facebook.com/RealFamilyFinance

Instagram: https://www.instagram.com/realfamilyfinance/

I have exciting news!

As of March 27, 2020, for the first time ever, independent contractors and gig workers will be able to receive weekly unemployment checks.

This show covers how it works, how much you can expect to receive and how to apply.

Make sure you subscribe to the show so you can hear about new tips for your money during this crazy Coronavirus crisis.

** RESOURCES & LINKS MENTIONED IN THIS VIDEO **

Unemployment benefits by state including a link to sign up  

Sign up for my LIVE online class "How to Manage Your Money During the Coronavirus" 

Get on my email list for all the latest news 

___________________

** FIND ME ON SOCIAL **

Facebook: https://www.facebook.com/RealFamilyFinance

Instagram: https://www.instagram.com/realfamilyfinance/

Everyone is going to be affected financially by the current Coronavirus crisis.

Everything you know about saving money, budgeting, debt and investing is on hold right now. We are in a whole new world where cash is king.  Your job is to get through this as financially healthy as possible.

This week I answer the questions you sent me.  I have over 30 years doing financial crisis management and I'm excited to share my thoughts, suggestions and ideas.

Here are some of the topics I cover in this week's show

• I lost my job, what do I do?
• Not being able to pay the mortgage/rent
• How do I use my emergency fund?
• I can't pay all my bills, how do I prioritize?
• I have no cash saved, what do I do?
• Should I continue to put money in my 401(k)?
• What should a small business owner be doing?
• And many more

** RESOURCES & LINKS MENTIONED IN THIS VIDEO **

FREE Worksheet download – 8 Practical Tips for Managing Your Money during the Coronavirus

https://mailchi.mp/realfamilyfinance/8-coronvirus-tip-workbook

Last week's show – 8 Practical Tips for Managing Your Money During the Coronavirus - http://bit.ly/39ZzlvX

My FREE Class – 3 Essential Secrets to Successfully Managing Your Money  http://bit.ly/39Dcrua

___________________

*** JOIN THE YOUR MONEY MADE EASY COMMUNITY ***

https://www.facebook.com/groups/RealFamilyFinance

Tired of the way the money in your life makes you feel?  Why do we feel like we are supposed to know how to manage money when it's not something we are taught when we are growing up?  No worries…I've got you covered.

I created the Your Money Made Easy support group for women that want to learn how money works and want to be surrounded by other women that are changing the way they manage the money in their lives.

When you join Your Money Made Easy, you not only will have access to the support of other successful, like-minded people, but you also will have access to the FREE trainings and resources from me!  Having a group lets me make my content more personal and exclusive to the members of the group.

Sound good to you?  REQUEST TO JOIN!

https://www.facebook.com/groups/RealFamilyFinance

__________________

** SAY HI ON SOCIAL **

Facebook: https://www.facebook.com/RealFamilyFinance

Facebook Group: https://www.facebook.com/groups/RealFamilyFinance

Instagram: https://www.instagram.com/realfamilyfinance/

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** GETTING STARTED **

Take my free class. "The Secrets Every Woman Needs to Know About Managing Money"

https://realfamilyfinance.com/free/

Take my quick, fun personality test.  "What's Your Money Personality?" 

https://realfamilyfinance.com/get-started/

We are officially in crazy times. 

For many of you, this is the first financial crisis you will have faced in your life time.  For all of us, this is the first financial crisis in over a decade.

How do you manage your money through something like this?

You batten down the hatches as fast as you can and hold on for the ride.

It's important to remember that today, you have the opportunity, to put all the pieces you need to make sure you survive this crisis financially.

In today's show, I give you eight, PRACTICAL tips for things you should be doing TODAY to help you manage your way through this complicated time.

They include

• What to do with your investments as the stock market dips
• What happens if you lose your job
• How to create a plan for using your emergency fund
• Ways to reel in your spending
• Shutting off any bill payments on autopay (so you can control your cash)
• Have 3-4 weeks of grocery money in cash
• What to do if you have a small business
• How to help a neighbor in need

The important thing to remember is that you WILL come out on the other side of this.  I want you to come out as financially healthy as possible and with confidence that you can (and did) take care of yourself.

** RESOURCES & LINKS MENTIONED IN THIS VIDEO **

Last week's show – "What to do when the stock market crashes" http://bit.ly/2IytVMw

FREE download – "8 Practical Tips for Managing Your Money During the Coronovirus"  https://mailchi.mp/realfamilyfinance/8-coronvirus-tip-workbook

Take my FREE class "The 3 Essential Secrets to Successfully Manage Your Money" http://bit.ly/39Dcrua

___________________

*** JOIN THE YOUR MONEY MADE EASY COMMUNITY ***

https://www.facebook.com/groups/RealFamilyFinance

Tired of the way the money in your life makes you feel?  Why do we feel like we are supposed to know how to manage money when it's not something we are taught when we are growing up?  No worries…I've got you covered.

I created the Your Money Made Easy support group for women that want to learn how money works and want to be surrounded by other women that are changing the way they manage the money in their lives.

When you join Your Money Made Easy, you not only will have access to the support of other successful, like-minded people, but you also will have access to the FREE trainings and resources from me!  Having a group lets me make my content more personal and exclusive to the members of the group.

Sound good to you?  JOIN!

https://www.facebook.com/groups/RealFamilyFinance

___________________

** SAY HI ON SOCIAL **

Facebook: https://www.facebook.com/RealFamilyFinance

Facebook Group: https://www.facebook.com/groups/RealFamilyFinance

Instagram: https://www.instagram.com/realfamilyfinance/

Website: https://www.realfamilyfinance.com

Watching the stock market crash (and recover and crash) over the last few weeks has made for a hellish roller coaster ride.  Are you ready to get off the ride?

While it's incredibly uncomfortable, we are actually exactly where I would expect us to be right now.

So what exactly is going on? 

How did this happen? 

How bad will it get

How do we make it stop?

When the market crashes (defined as losing more than 20% of value) there are usually four key pieces at work.  They are:

1. Stock prices were higher than they were really worth so buyers are 'truing' up (or down as the case my be) the stock prices
2. The companies themselves are not doing well so they aren't worth as much as they once were
3. Investors are notoriously emotional about losing everything they've built and they let their fear drive decisions to sell off their holdings
4. A specific event. Right now it's the Coronovirus.  There is uncertainty about how bad it will get and there are fears it is damaging world economies.

Right now, 1, 3 and 4 are at play.  That means that the craziness of the market in the last few weeks is not unexpected.

In addition, we've had twelve straight years of gains.  That's almost unheard of.   While we'd like to think it will go on forever, the realist in me says it's time for the cycle to turn back around.

So….that makes what's happening right now….normal.

But what do you do?  How do you deal with it emotionally? Should you be selling off your holdings?

Catch this week's show for a strategy that will make you whole and four action items you can do today to make your investments as safe and comfortable as possible.

** RESOURCES & LINKS MENTIONED IN THIS VIDEO **

Gary Vaynerchek investing advice https://cnb.cx/2v0saEB

Join my private FB group to discuss this week's show http://bit.ly/2ojSMcS

Take my free class  http://bit.ly/2qzFAVR

___________________

*** JOIN THE YOUR MONEY MADE EASY COMMUNITY ***

https://www.facebook.com/groups/RealFamilyFinance

Tired of the way the money in your life makes you feel?  Why do we feel like we are supposed to know how to manage money when it's not something we are taught when we are growing up?  No worries…I've got you covered.

I created the Your Money Made Easy support group for women that want to learn how money works and want to be surrounded by other women that are changing the way they manage the money in their lives.

When you join Your Money Made Easy, you not only will have access to the support of other successful, like-minded people, but you also will have access to the FREE trainings and resources from me!  Having a group lets me make my content more personal and exclusive to the members of the group.

Sound good to you?  REQUEST TO JOIN!

https://www.facebook.com/groups/RealFamilyFinance

___________________

** SAY HI ON SOCIAL **

Facebook: https://www.facebook.com/RealFamilyFinance

Facebook Group: https://www.facebook.com/groups/RealFamilyFinance

Instagram: https://www.instagram.com/realfamilyfinance/

Website: https://www.realfamilyfinance.com

Are you getting a tax refund this year?

I remember being so excited about getting tax refunds because it was a big pool of money that I could throw at my debt (and make a dent), or use to start my emergency fund (ahh, the relief of having a buffer) or the time I used it to finish saving for a down payment for a new house (home, sweet home!)

But when I googled 'tax refund', I got 50 articles that told me I screwed up….that refunds are bad.

So how can something that feels so good be bad?

I'm going to go all anti-establishment this week and buck the trend.

Tax refunds aren't good or bad.  They just are. 

It's how you use them, and how you plan for them that really matters.

In this week's show we'll talk about

• how tax refunds work
• who should get one (and who should stay away from them)
• how to get a bigger (or smaller) one

We'll also talk about how you should fit a tax refund into your financial planning. 

And if you find a tax refund is a good thing for your life, we can celebrate that magic bucket of money every April together!

** RESOURCES & LINKS MENTIONED IN THIS VIDEO **

Paycheck calculator  http://bit.ly/39IqONq

IRS Tax Estimator http://bit.ly/2P3ZUaS

___________________

*** JOIN THE YOUR MONEY MADE EASY COMMUNITY ***

https://www.facebook.com/groups/RealFamilyFinance

Tired of the way the money in your life makes you feel?  Why do we feel like we are supposed to know how to manage money when it's not something we are taught when we are growing up?  No worries…I've got you covered.

I created the Your Money Made Easy support group for women that want to learn how money works and want to be surrounded by other women that are changing the way they manage the money in their lives.

When you join Your Money Made Easy, you not only will have access to the support of other successful, like-minded people, but you also will have access to the FREE trainings and resources from me!  Having a group lets me make my content more personal and exclusive to the members of the group.

Sound good to you?  REQUEST TO JOIN!

https://www.facebook.com/groups/RealFamilyFinance

___________________

** SAY HI ON SOCIAL **

Facebook: https://www.facebook.com/RealFamilyFinance

Facebook Group: https://www.facebook.com/groups/RealFamilyFinance

Instagram: https://www.instagram.com/realfamilyfinance/

Website: https://www.realfamilyfinance.com

Guess what.

70% of couples are fighting about money.

It's the #2 reason for divorce. 

So….

Want to know WHAT you're all fighting about?

Want to know WHY you're fighting about it?

Want to know HOW TO MAKE IT STOP?

Then this week's show is for you!   I share the 6 top things people fight about, and then I'll show you practical ways you can make the fighting stop.

***RESOURCES & LINKS MENTIONED IN THIS VIDEO ***

Money Magazine's Survey  

What's your relationship with money – FREE quiz 

_____________________

*** JOIN THE YOUR MONEY MADE EASY COMMUNITY ***

https://www.facebook.com/groups/RealFamilyFinance

Tired of the way the money in your life makes you feel?  Why do we feel like we are supposed to know how to manage money when it's not something we are taught when we are growing up?  No worries…I've got you covered.

I created the Your Money Made Easy support group for women that want to learn how money works and want to be surrounded by other women that are changing the way they manage the money in their lives.

When you join Your Money Made Easy, you not only will have access to the support of other successful, like-minded people, but you also will have access to the FREE trainings and resources from me!  Having a group lets me make my content more personal and exclusive to the members of the group.

Sound good to you?  REQUEST TO JOIN!

___________________

** SAY HI ON SOCIAL **

Facebook 

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Website 

Got Student Loans?

Feel like they're overwhelming and they'll never go away?

Have you had to put parts of your life on hold because of the financial commitment you face in paying them off?

Are the balances going up instead of down?

Then this week's show is for you!

Ten years ago, my guest, Robert Farrington, graduated from college with $43,000 in debt.  Rather than sit back and pay the equivalent of a mortgage for the next then years, Robert immersed himself in the ins and outs of the college loan markets  and has emerged as one of the leading experts in college debt.

Robert is the founder of The College Investor, where he teaches people about college debt and investing for beginners;  and LoanBuddy, a DIY and consulting site that will step you through evaluating and refi-ing your student loans.

He also has a VERY active forum where you can explore all things College Debt.   It includes both subjects for students AND their parents.

In today's show, Robert shares his strategies for making sure you are minimizing the amount you end up paying back.  There are 150 loan options out there.  You need to make sure you have the best one for your life.

We talk about how to get started….Hint: Get organized!

We talk about fitting your payments into a reasonable budget…Hint: Know your numbers!

He also shares a ton of info on the various forgiveness programs available.  Do you work for a non profit, school or a medical provider?  You may qualify.  You don't need to be an expert.  You can be the door man, and if you are an employee,  you can quality. 

What's your strategy if you lose your job or can't work for some period of time?

What are income based payment plans?

If you have college debt this show is for you! 

If you know someone who is struggling under their debt.  please share this….you may change their lives

** RESOURCES & LINKS MENTIONED IN THIS VIDEO **

Robert Farrington's website The College Investor  

Free book - The Definitive Guide to Student Loan Debt by Robert Farrington 

Robert's FREE class "How to Get Out of Student Loan Debt"

Robert's Consulting Services Loan Buddy 

Robert's YouTube channel 

Roberts Forum for College Debt for Students and their parents 

___________________

*** JOIN THE YOUR MONEY MADE EASY COMMUNITY ***

https://www.facebook.com/groups/RealFamilyFinance

Tired of the way the money in your life makes you feel?  Why do we feel like we are supposed to know how to manage money when it's not something we are taught when we are growing up?  No worries…I've got you covered.

I created the Your Money Made Easy support group for women that want to learn how money works and want to be surrounded by other women that are changing the way they manage the money in their lives.

When you join Your Money Made Easy, you not only will have access to the support of other successful, like-minded people, but you also will have access to the FREE trainings and resources from me!  Having a group lets me make my content more personal and exclusive to the members of the group.

Sound good to you?  REQUEST TO JOIN!

___________________

** SAY HI ON SOCIAL **

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Real Family Finance Website