Follow Me Out of Debt | Get out of debt and get into prosperity!

FMOOD 0524: A Brief Hiatus

11 Mar 2024

Contributed by Lukas

Don't forget to stay tuned during this brief hiatus by going to followmeoutofdebt.com for links to the best deals, ideas for saving money, life insura...

FMOOD 0523: Get Laser-Focused

26 Feb 2024

Contributed by Lukas

Getting laser-focused on paying off debt requires a comprehensive approach that combines clear goal-setting, strategic planning, disciplined budgeting...

FMOOD 0522: How to Find the Best Deals on Clothing

12 Feb 2024

Contributed by Lukas

Just because you're in the process of getting out of debt doesn't mean that you need to wear the same tired outfits day in and day out.

FMOOD 0521: Work From Home

29 Jan 2024

Contributed by Lukas

If you've been looking into possible work from home opportunities as a means to provide supplemental income or replacing the typical job requiring a c...

FMOOD 0520: How to Reduce Your Credit Card Interest Rate

15 Jan 2024

Contributed by Lukas

The other day I decided to do something that I've been meaning to do for a long time. I wanted to take a larger look at my credit cards and list out t...

FMOOD 0519: How to Significantly Reduce Debt This Year

01 Jan 2024

Contributed by Lukas

Embarking on a journey to significantly reduce debt is always a commendable goal. Let's do this using a holistic approach to kickstart your debt reduc...

FMOOD 0518: The New Year

18 Dec 2023

Contributed by Lukas

We are going to be heading into a new year soon, and I thought it would be important to set everything in motion to make the most of it, right from th...

FMOOD 0517: Building an Emergency Fund on a Tight Budget

04 Dec 2023

Contributed by Lukas

Building an emergency fund on a tight budget can be challenging, but it's a crucial step toward financial stability.

FMOOD 0516: Is It Important to Be Debt-Free?

20 Nov 2023

Contributed by Lukas

This shouldn't come as a surprise, but the answer is a resounding YES! Of course it's important to be debt-free! Being debt-free is an important finan...

FMOOD 0515: Baby Steps to Paying Credit Cards

06 Nov 2023

Contributed by Lukas

Taking baby steps to pay off credit cards is a practical and manageable approach to reduce debt without feeling overwhelmed.

FMOOD 0514: Understanding Credit Scores and Debt

23 Oct 2023

Contributed by Lukas

The relationship between credit scores and debt management is intricate and has a significant impact on a person's financial health.

FMOOD 0513: How Debt Freedom Feels

09 Oct 2023

Contributed by Lukas

Imagine waking up to a world where the relentless burden of debt no longer holds you captive.

FMOOD 0512: Emotional Side of Debt

02 Oct 2023

Contributed by Lukas

Getting out of debt isn't just about money; it's a journey filled with emotions. It touches every aspect of life, from our daily routines to our self-...

FMOOD 0511: Debunking Debt Myths

25 Sep 2023

Contributed by Lukas

Misconceptions about debt often lead to financial decisions that may not be in one's best interest.

FMOOD 0510: When You're Not Making Any Headway

18 Sep 2023

Contributed by Lukas

I understand how disheartening it can be when it feels like you're not making any headway in your journey to get out of debt. The weight of financial ...

FMOOD 0509: The Debt Snowflake Method

11 Sep 2023

Contributed by Lukas

Now, you've heard of the debt snowball method and the debt avalanche method, but have you heard of the debt snowflake method?

FMOOD 0508: How to Stop Using Credit Cards

04 Sep 2023

Contributed by Lukas

To begin to stop using credit cards, let's first picture a new financial chapter marked by liberation from credit card dependency.

FMOOD 0507: Staying Focused While Getting out of Debt

28 Aug 2023

Contributed by Lukas

I understand how challenging it can be to stay focused while trying to get out of debt. It's not just about the numbers. It's about the emotional jour...

FMOOD 0506: The Easy Way

21 Aug 2023

Contributed by Lukas

Getting out of debt may not be easy, but remember my friends, the road to being debt-free might have a few twists and turns, but with these strategies...

FMOOD 0505: The Best of FMOOD: Interview With Amberly Lago

14 Aug 2023

Contributed by Lukas

In this best of FMOOD episode, we're revisiting the incredible interview that I had from episode 318 with Amberly Lago.

FMOOD 0504: Mastering the Art of Negotiation

07 Aug 2023

Contributed by Lukas

Mastering the art of negotiation is a highly valuable and sought-after skill that can positively impact various aspects of your life, both personally ...

FMOOD 0503: Update on the Mint App

31 Jul 2023

Contributed by Lukas

The Mint app, developed by Intuit Inc., is a highly acclaimed personal finance management tool that has garnered immense popularity for its user-frien...

FMOOD 0502: Be Your Own Boss

24 Jul 2023

Contributed by Lukas

I want to inspire you today to be your own boss. Even if you don't go all of the way and quit your job to become a full-time entrepreneur but simply s...

FMOOD 0501: Growth Mindset

17 Jul 2023

Contributed by Lukas

A growth mindset is the belief that one's abilities, intelligence, and talents can be developed through dedication, effort, and continuous learning. I...

FMOOD 0500: 10 Ways to Live More Frugally

10 Jul 2023

Contributed by Lukas

Living frugally can help you to save money, reduce expenses, and achieve your financial goals.

FMOOD 0499: Managing Finances as a Married Couple

03 Jul 2023

Contributed by Lukas

Money and relationships, especially within the context of marriage, can be a complex and sensitive topic.

FMOOD 0498: 10 Easy Steps to Being Laser-Focused

26 Jun 2023

Contributed by Lukas

Today we're going to be going over 10 easy steps to help you to be laser-focused when working on a project, task, or goal. Here's the bottom line: whe...

FMOOD 0497: Small Business Tips: 25 Creative Ways to Attract More Clients

19 Jun 2023

Contributed by Lukas

I've been a business owner for many years, but I made it official back in 2007. With this in mind, I wanted to add a new component to this show and sp...

FMOOD 0496: Why Should I Get out of Debt?

12 Jun 2023

Contributed by Lukas

Reducing or eliminating consumer debt can have numerous benefits for individuals and their overall financial well-being.

FMOOD 0495: Budgeting for Small Groups

05 Jun 2023

Contributed by Lukas

The key to budgeting for small groups is to take the boring aspect out of budgeting and make this a more entertaining event for all involved.

FMOOD 0494: Sarah

29 May 2023

Contributed by Lukas

Meet Sarah, a young professional who started her journey with significant student loan debt and minimal savings. Determined to take control of her fin...

FMOOD 0493: The Psychology of Money

22 May 2023

Contributed by Lukas

The psychology of money refers to the study of how people's attitudes, beliefs, emotions, and behaviors are influenced by money and financial matters....

FMOOD 0492: The Mint App

15 May 2023

Contributed by Lukas

Mint is a popular budgeting app that helps you to track your spending, create a budget, and manage your finances.

FMOOD 0491: Healthy Ways to Manage Your Credit

08 May 2023

Contributed by Lukas

Credit management refers to the process of managing your credit usage and payments in order to maintain a good credit score. Your credit score is a nu...

FMOOD 0490: When You Get a Raise

01 May 2023

Contributed by Lukas

Receiving a large raise in income can be an exciting and empowering experience. It can open up new opportunities for financial stability, security, an...

FMOOD 0489: Automate Your Savings

24 Apr 2023

Contributed by Lukas

Setting up automatic transfers from your checking account to your savings account can help you to save money without even thinking about it.

FMOOD 0488: Personal Finance Stages (Stage 4: Retirees)

17 Apr 2023

Contributed by Lukas

Remember, retirement is a time to enjoy the fruits of your labor, but it's important to be financially responsible to ensure that your retirement is c...

FMOOD 0487: Personal Finance Stages (Stage 3: Families)

10 Apr 2023

Contributed by Lukas

What's unique about discussing personal finance as it relates to families is that you will be in a position to not only improve finances as a married ...

FMOOD 0486: Personal Finance Stages (Stage 2: Young Professionals)

03 Apr 2023

Contributed by Lukas

As a young professional, it's important to start thinking about your personal finances early on to set yourself up for a financially stable future.

FMOOD 0485: Personal Finance Stages (Stage 1: Students)

27 Mar 2023

Contributed by Lukas

Over the next few weeks, I'll be talking about personal finance as it relates to different stages. It will go in order of youngest to oldest ages, so ...

FMOOD 0484: Budgeting Using the 70-20-10 Rule

20 Mar 2023

Contributed by Lukas

When it comes to budgeting and using a percentage structure for certain categories related to personal finance, it's important to have a clear underst...

FMOOD 0483: A Sneak Peek Into True Debt Freedom

13 Mar 2023

Contributed by Lukas

Being completely debt-free can be a liberating and empowering feeling. It means that you no longer have any outstanding loans or payments to worry abo...

FMOOD 0482: Intentional Frugality

06 Mar 2023

Contributed by Lukas

Living frugally means being intentional about your spending and finding ways to reduce expenses without sacrificing your quality of life.

FMOOD 0481: The Steps to Pay off Any Credit Card

27 Feb 2023

Contributed by Lukas

Paying off a credit card may seem like a daunting task, but there are simple and straightforward steps that you can take to pay off any credit card.

FMOOD 0480: Getting on the Path to Financial Freedom

20 Feb 2023

Contributed by Lukas

Getting out of debt can be a daunting task, but it is not impossible. With a plan and a bit of discipline, you can get on the path to financial freedo...

FMOOD 0479: Checkpoints

06 Feb 2023

Contributed by Lukas

A personal checkpoint is a way for us to see how we're doing with a particular goal. It's important because if we don't check in from time to time, we...

FMOOD 0478: When Times Get Tough, Earn More

30 Jan 2023

Contributed by Lukas

Use your imagination and see if you can figure out ways to earn your way out of the mess rather than borrowing your way out or robbing your own rainy ...

FMOOD 0477: What Happened When I Saved 10% Of Earnings

23 Jan 2023

Contributed by Lukas

I decided not too long ago to see what would happen if I saved 10% of my income and stashed it away in my savings account. My goal was to simply save ...

FMOOD 0476: Save Money Buying in Bulk

16 Jan 2023

Contributed by Lukas

Grocery prices continue to go up. For whatever reason, we are seeing a steady increase in the total at the registers. For those of us who budget a set...

FMOOD 0475: Watching Every Dime

09 Jan 2023

Contributed by Lukas

Typically, the first move when we are trying to fight this fire is to watch every dime that we're spending.

FMOOD 0474: The Importance of a Sizable Vehicle Down Payment

02 Jan 2023

Contributed by Lukas

When it comes time to purchase a vehicle, ideally you could pay the entire amount without borrowing a single penny in order to do so. However, that's ...

FMOOD 0473: Learn and Take Action at the Same Time

26 Dec 2022

Contributed by Lukas

If you want to truly succeed with learning something, be sure to take action while you're learning at the same time.

FMOOD 0472: Aggressive Goalsetting

19 Dec 2022

Contributed by Lukas

I don't know about you, but I am someone who tends to enjoy stretching my limits when it comes to goalsetting.

FMOOD 0471: Outsmarting the Nonsense

12 Dec 2022

Contributed by Lukas

While we may have dug ourselves into these situations that we face, there are moments when you might feel like so much of this is just… nonsense!

FMOOD 0470: Preparing for the New Year

05 Dec 2022

Contributed by Lukas

Are you finishing out the year strong, financially speaking?

FMOOD 0469: How to Achieve Any Goal

28 Nov 2022

Contributed by Lukas

Let me share something with you today that is somewhat easy to do, and at the same time, has a payoff that can be worth more than you might imagine. I...

FMOOD 0468: The Next Step

21 Nov 2022

Contributed by Lukas

When we are in the process of getting out of debt, we sometimes get to a certain debt that may take longer to pay down and pay off. When this happens,...

FMOOD 0467: How to Protect Your Credit Score

14 Nov 2022

Contributed by Lukas

Your credit score is very important, and a healthy credit score is a necessity.

FMOOD 0466: How to Save 10% Of Your Earnings

07 Nov 2022

Contributed by Lukas

Learn how to consistently save 10% of your earnings.

FMOOD 0465: Had Enough?

31 Oct 2022

Contributed by Lukas

You may or may not have reached your breaking point. If you have, you'll never forget that moment.

FMOOD 0464: Hard Times

17 Oct 2022

Contributed by Lukas

We've all been through some hard times. This is especially true when it comes to our finances.

FMOOD 0463: Unstoppable

10 Oct 2022

Contributed by Lukas

When was the last time that you felt truly unstoppable?

FMOOD 0462: Autopays

03 Oct 2022

Contributed by Lukas

Do you have monthly amounts charged to your credit card? It may be best to consider moving those automatic payments to your debit card instead.

FMOOD 0461: Don't Allow Fear to Stop You

26 Sep 2022

Contributed by Lukas

The number one reason most people have a difficult time with staying on track with their goals is due to fear and the natural inclination to go back t...

FMOOD 0460: How to Use an Income Planner

19 Sep 2022

Contributed by Lukas

I have to say that an income planning spreadsheet is not only easy to create, but it helps tremendously when planning out your budget for any given mo...

FMOOD 0459: How to Wean Off of Credit Cards

12 Sep 2022

Contributed by Lukas

Let's face it. Credit cards are super easy to use, and that's done on purpose.

FMOOD 0458: The Overwhelm

29 Aug 2022

Contributed by Lukas

All of us can get overwhelmed, but what's the best way to prevent that when it comes to our personal finances?

FMOOD 0457: What a Mess!

22 Aug 2022

Contributed by Lukas

What happens when you make a huge mess, and how do you get out of that mess?

FMOOD 0456: Lifestyle Changes and Choices

15 Aug 2022

Contributed by Lukas

Our lifestyle choices determine where we end up as far as our personal finances are concerned.

FMOOD 0455: Keeping Up With the Joneses Is Bad for Your Wealth

08 Aug 2022

Contributed by Lukas

For some folks, they are likely in debt at least partially because they were trying to impress someone along the way.

FMOOD 0454: Why Consistency Matters

01 Aug 2022

Contributed by Lukas

Are we truly consistent with the things that affect us in life, whether that's physically, spiritually, or emotionally?

FMOOD 0453: Let's Refocus

25 Jul 2022

Contributed by Lukas

The ability to refocus can be simple, and it's incredibly necessary sometimes to get things back on track.

FMOOD 0452: Pattern Interrupt

18 Jul 2022

Contributed by Lukas

To succeed with paying down and paying off debt, first we need to interrupt the pattern of debt.

FMOOD 0451: Understand Your Financial Position

11 Jul 2022

Contributed by Lukas

The first step in accomplishing any goal is to understand where you are right now.

FMOOD 0450: Behind the Scenes at a Credit Card Company

04 Jul 2022

Contributed by Lukas

I called a credit card company to ask to have the APR lowered on one of my credit cards, and this one in particular wasn't budging on their stance to ...

FMOOD 0449: How to Lower Your Credit Card Interest Rate

27 Jun 2022

Contributed by Lukas

Make sure that you don't skip this important money-saving step on your way out of debt.

FMOOD 0448: The Easy Way Out

20 Jun 2022

Contributed by Lukas

It's human nature to see if we can find the easy way out of a difficult situation.

FMOOD 0447: Don't Ignore Your Credit Score

13 Jun 2022

Contributed by Lukas

While you are in the process of paying off debt, make sure you are keeping your eye on your credit score as well.

FMOOD 0446: Learn to Save

30 May 2022

Contributed by Lukas

We are going to learn how to practice saving for expenses, growing an emergency fund, and paying down debt. These habits will help you down the road a...

FMOOD 0445: Get Organized

23 May 2022

Contributed by Lukas

Getting organized and staying organized should be your first step when it comes to accomplishing any goal.

FMOOD 0444: Keep It Simple

16 May 2022

Contributed by Lukas

We don't want to add unnecessary complexity. Keep it simple.

FMOOD 0443: How to Accomplish Any Goal (3 of 3): Intensity

09 May 2022

Contributed by Lukas

In this series, we're going to focus on three core principles necessary to accomplish any goal. The third of these is to have intensity.

FMOOD 0442: How to Accomplish Any Goal (2 of 3): Intention

02 May 2022

Contributed by Lukas

In this series, we're going to focus on three core principles necessary to accomplish any goal. The second of these is to have intention.

FMOOD 0441: How to Accomplish Any Goal (1 of 3): Improve

25 Apr 2022

Contributed by Lukas

In this series, we're going to focus on three core principles necessary to accomplish any goal. The first of these is to define what to improve, by wh...

FMOOD 0440: What to Do When You've Had a Bad Month

18 Apr 2022

Contributed by Lukas

We've all had a bad month when it comes to our budgets and personal finance in general. The question is, how can we prevent this from happening?

FMOOD 0439: How to Handle Rising Prices

11 Apr 2022

Contributed by Lukas

Prices are going up everywhere, but in order to win and come out ahead, you can't have a victim mentality.

FMOOD 0438: Action by Action

28 Mar 2022

Contributed by Lukas

Making plans is great, but taking action is key.

FMOOD 0437: Always Improve

21 Mar 2022

Contributed by Lukas

It is essential that we develop the mindset that we should always improve in any area of our lives.

FMOOD 0436: A Position of Strength

14 Mar 2022

Contributed by Lukas

In almost all situations, you want to resolve a problem from a position of strength.

FMOOD 0435: Write Your Incredible Story

07 Mar 2022

Contributed by Lukas

Have you ever wondered why others around you are having more fun with expensive vehicles, larger homes, and several vacations each year?

FMOOD 0434: How to Stop Using Credit Cards

28 Feb 2022

Contributed by Lukas

What you don't want to do is continue to use the credit cards that you're trying to pay off. Let's talk about ways that we can put an end to using cre...

FMOOD 0433: Taking on Too Big of a Chunk

21 Feb 2022

Contributed by Lukas

The last thing that you want to do is stop progress when you take on too big of a chunk (or bite off more than you can chew). Instead, you should just...

FMOOD 0432: Expecting a Tax Refund?

14 Feb 2022

Contributed by Lukas

It's smart to plan ahead in most circumstances, and this is especially true if you are expecting a tax refund this year.

FMOOD 0431: The Quickest Ways to Save for Your Starter Emergency Fund

07 Feb 2022

Contributed by Lukas

These methods will help you to kickstart your starter emergency fund savings goal and will help you to apply these same strategies towards debt payoff...

FMOOD 0430: The Truth About No-Interest Credit Offers

24 Jan 2022

Contributed by Lukas

Are no-interest credit offers a good thing or a bad thing?

FMOOD 0429: A Little Chat

17 Jan 2022

Contributed by Lukas

Let's have a little chat and see if we might gain some value out of this.

FMOOD 0428: When the Smallest Balance Becomes Bigger

10 Jan 2022

Contributed by Lukas

If you're paying off your debts smallest to largest, you will eventually come to a point where the smallest balance becomes a bit bigger than you were...

FMOOD 0427: Strength and Purpose in 2022

03 Jan 2022

Contributed by Lukas

Will 2022 be your year to substantially pay down debt or perhaps even pay it off completely?

FMOOD 0426: In the Thick of It

06 Dec 2021

Contributed by Lukas

When it comes to paying off debt, when you're in the thick of it, you're in a unique position with its share of ups and downs.

FMOOD 0425: The Sideline Christmas Budget

29 Nov 2021

Contributed by Lukas

Learn how to properly budget for Christmas gifts so that your end of the year spending doesn't spill over into the new year.