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

FMOOD 0424: Fear Not the Large Payments on Credit Cards

22 Nov 2021

Contributed by Lukas

Does the thought of making a much larger payment on a credit card cause a little hesitation?

FMOOD 0423: They May Not Cheer When You Win

08 Nov 2021

Contributed by Lukas

Sometimes folks may not react to your news of getting out of debt like you might expect. The key is to know that it's not you; it's simply that they m...

FMOOD 0422: Tips for Staying Organized

01 Nov 2021

Contributed by Lukas

It's important to stay organized, even if you need to periodically reset.

FMOOD 0421: Plan or Fail

25 Oct 2021

Contributed by Lukas

Proper planning is crucial to success. It's as simple as that.

FMOOD 0420: Follow Through

18 Oct 2021

Contributed by Lukas

After setting a goal, it may feel like you've accomplished something. However, your goals and tasks need to be nutured, and part of that includes foll...

FMOOD 0419: The Excitement of Change

11 Oct 2021

Contributed by Lukas

How can you harness the excitement of change, even if you're someone who usually resists it?

FMOOD 0418: Attitudes

04 Oct 2021

Contributed by Lukas

Let's talk about our attitudes when it comes to stress and how we can better manage stress through our own attitudes.

FMOOD 0417: The Daily Five

27 Sep 2021

Contributed by Lukas

How would your life change if you accomplished five important and prioritized tasks every single day?

FMOOD 0416: Pay Down Debt With a Purpose

20 Sep 2021

Contributed by Lukas

Whether your goal is getting out of debt or something entirely unrelated to personal finance, having a purpose is paramount.

FMOOD 0415: How to Start a Business With Little or No Money

13 Sep 2021

Contributed by Lukas

How to start a business with little or no money (well, you will need some money).

FMOOD 0414: Who's Your Accountability Partner?

06 Sep 2021

Contributed by Lukas

Having an accountability partner when you're working towards a larger goal will boost your chances of success exponentially.

FMOOD 0413: Getting Out of Debt Without Giving up Everything

30 Aug 2021

Contributed by Lukas

If getting out of debt is making you miserable, then you're doing it all wrong.

FMOOD 0412: How to Do an Annual Budget and Why

23 Aug 2021

Contributed by Lukas

It's information. It's planning. It's goal-setting. It's excitement. It's time for real talk about annual budgeting.

FMOOD 0411: Don't Feed the Lottery Machine

16 Aug 2021

Contributed by Lukas

Those bright and colorful lottery machines are costing you more than you realize.

FMOOD 0410: That Small Voice of Doubt

02 Aug 2021

Contributed by Lukas

Have you ever looked into why you stopped short of success? It could be because of that small voice of doubt, and if it was, it's time to take back th...

FMOOD 0409: Little by Little

26 Jul 2021

Contributed by Lukas

When we realize the weight of a certain problem, an anxious response is common. The key is to not be overwhelmed for longer than necessary by taking t...

FMOOD 0408: One Thing

19 Jul 2021

Contributed by Lukas

Multitasking is a hoax, or at least it's not what it seems to be.

FMOOD 0407: Getting Over the Hump

12 Jul 2021

Contributed by Lukas

If you haven't done so already, eventually you will get to the point where the journey is no longer an uphill climb but instead a downhill decent. You...

FMOOD 0406: Iron Sharpens Iron

05 Jul 2021

Contributed by Lukas

In Proverbs 27:17, we know that iron sharpens iron, so one man sharpens another (NIV). How does this relate to personal finance?

FMOOD 0405: Beware of the Loan Check

21 Jun 2021

Contributed by Lukas

Does this sound familiar? A check is received in the mail, completely unsolicited, asking you to cash the check immediately to use however you wish. B...

FMOOD 0404: Your Roadmap

07 Jun 2021

Contributed by Lukas

When you travel to a new destination, you will likely use an app, GPS, or even an old-school map to get there. Planning to get out of debt isn't much ...

FMOOD 0403: Boost Your Credit Score With the 25 Percent Rule

31 May 2021

Contributed by Lukas

A healthy credit score is important to have. A credit score is not just for getting a loan. As a matter of fact, your credit score can be used to dete...

FMOOD 0402: Why We Buy Things That We Can't Afford

17 May 2021

Contributed by Lukas

John Maxwell has famously stated that a budget is telling your money where to go instead of wondering where it went. Our budget needs to be truthful a...

FMOOD 0401: Be a Fast Learner

10 May 2021

Contributed by Lukas

We all make mistakes, right? Some of those mistakes are larger and more destructive than others, but the common thing about all mistakes, both large a...

FMOOD 0400: The Power of Our Similarities

03 May 2021

Contributed by Lukas

How can we use the power of our similarities to work together to get out of debt faster than we could if we were just going at it alone?

FMOOD 0399: Introducing Debt Support

26 Apr 2021

Contributed by Lukas

A new group on Facebook has been created for our community of like-minded folks to ask questions, get into conversations, celebrate victories, and muc...

FMOOD 0398: The Minimalist Budget

19 Apr 2021

Contributed by Lukas

Doing a minimalist budget isn't the same as frugality. Being frugal is always helpful when it comes to saving money, but a minimalist budget is less a...

FMOOD 0397: The Joy of No Car Payments

12 Apr 2021

Contributed by Lukas

Last week, I headed over to the credit union and wrote the check to officially pay off our second vehicle. Aside from the taste of freedom, there are ...

FMOOD 0396: Cheap Living

05 Apr 2021

Contributed by Lukas

Here are my top 5 tips on cheap living, and when you implement these tips, you will save money. I want you to feel comfortable about being cheap, beca...

FMOOD 0395: What Living Below Your Means... Means

29 Mar 2021

Contributed by Lukas

The money that you are bringing in, either on your own or between you and your spouse, is meant to pay for certain expenses. When those expenses start...

FMOOD 0394: What I Learned From the Grocery Budget Makeover

22 Mar 2021

Contributed by Lukas

The Grocery Budget Makeover is hands down one of the most easy-to-follow, informational, motivational, and just downright simple programs out there to...

FMOOD 0393: Get Paid What You're Worth

08 Mar 2021

Contributed by Lukas

Getting paid what you're worth not only affects your current earnings but future earnings as well. Find out how to earn more, even if it's not through...

FMOOD 0392: Stimulus

01 Mar 2021

Contributed by Lukas

We're looking at a very good possibility of additional stimulus payments, but along with that, there's a level of unwarranted negativity towards folks...

FMOOD 0391: For All Warriors

14 Dec 2020

Contributed by Lukas

This one's for all of the warriors out there, battling debt and taking names.

FMOOD 0390: Best of FMOOD (The Importance of Weekly Budget Updates)

07 Dec 2020

Contributed by Lukas

In this best-of series, we're revisiting the importance of weekly budget updates.

FMOOD 0389: Choose Your Hard

30 Nov 2020

Contributed by Lukas

Life was never promised to be easy, but when things are hard, we get to choose our hard.

FMOOD 0388: Hiatus

23 Nov 2020

Contributed by Lukas

After a four-month hiatus, it's time to get back to business with new content and a new perspective!

FMOOD 0387: How to Raise Your Credit Score During a Pandemic

06 Jul 2020

Contributed by Lukas

We're talking about how to raise your credit score during a pandemic, and it's not as difficult as you may think.

FMOOD 0386: Don't Sell Yourself Short

01 Jun 2020

Contributed by Lukas

It's human nature to settle in times of desperation. This applies to many different things, including our choice of vocation.    We are living in un...

FMOOD 0385: What's New This Month (April 2020)

27 Apr 2020

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0384: The Savings Game

20 Apr 2020

Contributed by Lukas

Here's an alternative to paying down debt that might actually help you to pay things off even faster. I'd like to introduce you to something that I li...

FMOOD 0383: The Best Advice for Your Stimulus Check

13 Apr 2020

Contributed by Lukas

What do you plan to do with your stimulus check? This is going to vary based on individual situations, of course.   Some folks are now unemployed due...

FMOOD 0382: The New Economy

06 Apr 2020

Contributed by Lukas

Will the new economy change the way that we work, shop, and define our wants versus our needs? I think so.   While working from home has become more ...

FMOOD 0381: What's New This Month (March 2020)

30 Mar 2020

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0380: A Personal Finance Conversation on COVID-19 Coronavirus

23 Mar 2020

Contributed by Lukas

This has been called an unprecedented event; a true pandemic that has shut down the majority of what we know to be normal. Businesses are closed or wi...

FMOOD 0379: Don't Pay Cash for Your Next Vehicle Until You Listen to This!

16 Mar 2020

Contributed by Lukas

You've heard it before. Someone walks into an automobile dealership and proclaims that they are a cash buyer. When you hear about these folks, they se...

FMOOD 0378: Notch Up

09 Mar 2020

Contributed by Lukas

I've been thinking about notching things up a little and taking more drastic measures to accelerate debt payoff. One of the things that I've discovere...

FMOOD 0377: Cash as a Metric

02 Mar 2020

Contributed by Lukas

One of the best ways to know how well we're doing is to have a metric in place. This apples to being able to tell how well we are doing with our goals...

FMOOD 0376: How to Start a Business With Little or No Money

24 Feb 2020

Contributed by Lukas

Have you ever wondered how you can start a successful business with little or no money? It's not easy, but it's also not as difficult as you might thi...

FMOOD 0375: That First Step

17 Feb 2020

Contributed by Lukas

Planning is one thing, but action is a whole different beast. If you have yet to take that all-important first step, it's time to do that today. Don't...

FMOOD 0374: Who's to Blame?

10 Feb 2020

Contributed by Lukas

It's easy to get lost in the blame game. As an almost unspoken rule of human nature, we tend to blame others for our own shortcomings, or we place bla...

FMOOD 0373: Break Free

03 Feb 2020

Contributed by Lukas

It's time to break free from the chains that have been keeping you bound for way too long. When an elephant is used for purposes that are different fr...

FMOOD 0372: What's New This Month (January 2020)

27 Jan 2020

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0371: What Is Your Endgame?

20 Jan 2020

Contributed by Lukas

Knowing your endgame can help to get you through this journey of getting out of debt, especially if you can envision what life will be like once you'r...

FMOOD 0370: Why I Love This Show

13 Jan 2020

Contributed by Lukas

I may be a bit biased, but I love this show. It's not what you think, though. The reason that I love this show is the community. Tune in as we see fir...

FMOOD 0369: Ways to Save Money in 2020

06 Jan 2020

Contributed by Lukas

We already know that saving money is one of the ways that will help us to reach our goal of getting out of debt. I have complied a list of the more co...

FMOOD 0368: What's New This Month (December 2019)

30 Dec 2019

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0367: Is Your Gym Membership a Great Deal or a Money Steal?

23 Dec 2019

Contributed by Lukas

Is your gym membership a great deal or a money steal? Right before the start of a new year through the first month of a new year, you will see various...

FMOOD 0366: Get Ready for 2020

16 Dec 2019

Contributed by Lukas

It's time to get ready for the upcoming year. What do you have planned for 2020?    Even if you got stuck in a rut during this last year, it's time ...

FMOOD 0365: Simplicity

09 Dec 2019

Contributed by Lukas

Don't make things more complex than they need to be. Most of the things that get into our inboxes or our mailboxes are nothing more than distractions....

FMOOD 0364: What's New This Month (November 2019)

02 Dec 2019

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0363: We All Make Mistakes

25 Nov 2019

Contributed by Lukas

Everyone makes mistakes. The key is to allow ourselves forgiveness for those mistakes. We might be able to forgive others easily, but sometimes we don...

FMOOD 0362: Be Water, My Friend

18 Nov 2019

Contributed by Lukas

Empty your mind. Be formless, shapeless, like water. If you put water into a cup, it becomes the cup. You put water into a bottle, and it becomes the ...

FMOOD 0361: Why We Do What We Do

11 Nov 2019

Contributed by Lukas

Why do we do the things that we do to get out of debt, and why is this such an important question to ask ourselves? If we can define our reason why we...

FMOOD 0360: Debt Settlement Reviews

04 Nov 2019

Contributed by Lukas

Have you received a letter in the mail asking if you want to participate in debt settlement? Many times, the letter or the commercial that you see on ...

FMOOD 0359: What's New This Month (October 2019)

28 Oct 2019

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0358: Debt by Design

21 Oct 2019

Contributed by Lukas

Discover today how credit card companies and other similar entities try to keep us in debt and why. There are many different ways that credit card com...

FMOOD 0357: How and Why to Focus on One Debt at a Time

14 Oct 2019

Contributed by Lukas

Why should you focus on one debt at a time? The quick and easy answer to this question is that it is much easier to process smaller bites of something...

FMOOD 0356: Your Debt Diet

07 Oct 2019

Contributed by Lukas

It's time to go on a financial diet. Akin to realizing that you've put on a few extra pounds and want to go on a diet to lose some weight, we can come...

FMOOD 0355: What's New This Month (September 2019)

30 Sep 2019

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0354: How to Increase Your Credit Score (And Why It's Important)

23 Sep 2019

Contributed by Lukas

Your credit score is more than just a number that financial institutions use to offer lines of credit or loans. The credit score for most people is an...

FMOOD 0353: You Are Not Your Debt

16 Sep 2019

Contributed by Lukas

Whatever you do, don't let debt define you. You are a completely separate entity from your debt. As a matter of fact, you are the one who will be putt...

FMOOD 0352: Why Paying with Cash Matters

09 Sep 2019

Contributed by Lukas

When forming our spending habits, using cash is an absolute necessity. It is usually difficult to truly change our spending habits if we've been accus...

FMOOD 0351: What Your Starter Emergency Fund Amount Should Be

02 Sep 2019

Contributed by Lukas

How much should your starter emergency fund amount be? Many times, you will hear that your starter emergency fund should be $1,000. Is that really eno...

FMOOD 0350: What's New This Month (August 2019)

26 Aug 2019

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0349: Fear Can Be Your Friend

19 Aug 2019

Contributed by Lukas

The emotion of fear can be a source of panic, or it can be a good friend nudging you towards accomplishing your goals. The decision is completely up t...

FMOOD 0348: The Golden Spending Rule

12 Aug 2019

Contributed by Lukas

If you can't afford to buy it twice, then you shouldn't buy it. If you follow this simple rule, it will make your purchase decisions better aligned w...

FMOOD 0347: When You Have a Bad Day

05 Aug 2019

Contributed by Lukas

What is the best thing to do when you're having a bad day, week, month, or even a bad year? That first sentence sounds like the song from the TV show ...

FMOOD 0346: What's New This Month (July 2019)

29 Jul 2019

Contributed by Lukas

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.   I think that it'...

FMOOD 0345: When to Fix a Vehicle and When to Buy Another

22 Jul 2019

Contributed by Lukas

When is it appropriate to repair a vehicle as opposed to purchasing another? If you haven't had to ask this question yet, you will likely need to even...

FMOOD 0344: Debt Predators

15 Jul 2019

Contributed by Lukas

Just as things start to get a little desparate, you'll notice the debt predators creeping out of the woodwork. You'll walk out to the mailbox or check...

FMOOD 0343: It's Time to Break up With Debt

08 Jul 2019

Contributed by Lukas

We've all been in a bad relationship at least once in our lives. We've all been in a situation where our best move was to end the relationship to ben...

FMOOD 0342: The Secret to Succeed (Even If You've Screwed up Before)

01 Jul 2019

Contributed by Lukas

Many of us feel the weight of our past mistakes for a long time, and this weight prevents us from moving forward. This is especially true if you're fe...

FMOOD 0341: They Control You

24 Jun 2019

Contributed by Lukas

Whether you acknowledge this statement or not, they control you. If you're wondering who I'm referring to, I'm referring to the credit card companies,...

FMOOD 0340: Discipline and Behavior

17 Jun 2019

Contributed by Lukas

Discipline and behavior are closely linked with one another. As a matter of fact, they directly feed off of one another.   Our behavior is incredibly...

FMOOD 0339: What If You Didn't Retire?

10 Jun 2019

Contributed by Lukas

Have you ever asked yourself what if you didn't retire? In many places of the world, people view their lives as two completely separate entities: work...

FMOOD 0338: Where Has Your Money Gone?

03 Jun 2019

Contributed by Lukas

At the end of the month, do you find yourself asking where your money has gone? Unfortunately, for many folks, this is an all-too-common occurrence.  ...

FMOOD 0337: The Experts

27 May 2019

Contributed by Lukas

There is great responsibility that comes with being an expert. When you are an expert in your chosen field and have literally millions of folks tuning...

FMOOD 0336: The Legend of the Monk and the Merchant (Conclusion)

20 May 2019

Contributed by Lukas

We're wrapping up our book study with our final principle of success. This principle has to do with the power of partnership in the context of kings a...

FMOOD 0335: The Legend of the Monk and the Merchant (Principles Eight, Nine, Ten, and Eleven)

13 May 2019

Contributed by Lukas

We're heading into the final stretch of our book study and visiting the next four principles of success. These four principles are organically connect...

FMOOD 0334: The Legend of the Monk and the Merchant (Principle Seven)

06 May 2019

Contributed by Lukas

It's now time for the fourth meeting between Antonio and Alessio. Prior to this meeting, Antonio is asked to meet with the feared merchant pirate, Ahm...

FMOOD 0333: The Legend of the Monk and the Merchant (Principles Four, Five, and Six)

29 Apr 2019

Contributed by Lukas

We're currently reading about the third meeting between Antonio and Alessio, but prior to this, we learn about Antonio's business partner, Milos. Milo...

FMOOD 0332: The Legend of the Monk and the Merchant (Principles Two and Three)

22 Apr 2019

Contributed by Lukas

Financial prosperity is connected to soul prosperity. With that being said, a man must do whatever he can to provide for his family.   At this point ...

FMOOD 0331: The Legend of the Monk and the Merchant (Principle One)

15 Apr 2019

Contributed by Lukas

Work hard and God will prosper you. This is the first principle that we're discussing today from the book, The Legend of the Monk and the Merchant by...

FMOOD 0330: The Legend of the Monk and the Merchant (Intro)

08 Apr 2019

Contributed by Lukas

Do you want to learn the principles of successful living? Over the next several weeks, we'll be diving deep into the principles outlined in the book, ...

FMOOD 0329: Powerblah

01 Apr 2019

Contributed by Lukas

If you don't play, you don't win. Or do you? As it was said by Joshua in WarGames: the only winning move is not to play. If you're not familiar with t...

FMOOD 0328: Not Everyone Wants You to Succeed

25 Mar 2019

Contributed by Lukas

It's sad but true. Not everyone wants you to succeed. The sooner that you realize this, the better that it will be for you.   You don't want to waste...

FMOOD 0327: Fortune Favors the Bold

18 Mar 2019

Contributed by Lukas

Have you ever stopped to realize how fortune truly favors the bold? The first time that I heard this saying was when I had watched The Founder, the mo...

FMOOD 0326: How to Pick up the Pace

11 Mar 2019

Contributed by Lukas

It's one thing to have a goal to get out of debt, but how long will it actually take you to reach that goal? Believe it or not, the answer to this que...

FMOOD 0325: Exciting News!

04 Mar 2019

Contributed by Lukas

I've got some exciting news to share today! Tune in to find out this news, but more importantly, discover how you can also get to realize this same ex...