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

FMOOD 0324: How I Failed

25 Feb 2019

Contributed by Lukas

We all make mistakes. Here are some of the mistakes that I have made in the past, and I'm hoping that by hearing my account of previous errors, you'll...

FMOOD 0323: What's Your Specialty?

18 Feb 2019

Contributed by Lukas

What is something that you do well that others might pay you for to do for them? It's a serious question that, if answered correctly, could result in ...

FMOOD 0322: Staying Positive While in the Negative

11 Feb 2019

Contributed by Lukas

It's incredibly important to stay positive even while we're in the negative. Let me tell you how to do just that.   Sometimes it's about attitude, bu...

FMOOD 0321: Nationally Sanctioned Debt Reduction Initiative Scam

04 Feb 2019

Contributed by Lukas

Beware of this new scam that may be hitting your mailbox soon (if it hasn't already). This scam targets folks who are getting desperate or folks who w...

FMOOD 0320: Subject to Ridicule

28 Jan 2019

Contributed by Lukas

Close friends, relatives, and even some not-so-close individuals may offer us their opinions, and sometimes those opinions may come to us in the form ...

FMOOD 0319: Anatomy of a Credit Card

21 Jan 2019

Contributed by Lukas

It's time for a quick anatomy lesson. This lesson will be much different from what you might have been used to in high school or college courses. This...

FMOOD 0318: True Grit and Grace: Amberly Lago

14 Jan 2019

Contributed by Lukas

As a personal trainer, wife, and mother, Amberly Lago was living the California dream until it turned into a nightmare in May 2010. As she rode her Ha...

FMOOD 0317: Coming Together

07 Jan 2019

Contributed by Lukas

What do you do once you and your spouse have finally come together and are on the same page? You may not be there quite yet, but eventually, you will ...

FMOOD 0316: My 2018 Year in Review

31 Dec 2018

Contributed by Lukas

Let's take a moment to reflect back on the year and see what we've accomplished and what we need to do in order to keep moving forward.   It's import...

FMOOD 0315: Let's Have a Conversation

24 Dec 2018

Contributed by Lukas

It's about time for us to have a conversation. Let's get on the same page and close out 2018 with community and get on track to a prosperous and succe...

FMOOD 0314: The Turning Point

17 Dec 2018

Contributed by Lukas

There is a specific moment in our lives that we can pinpoint when we've finally had enough. This is the moment that I like to refer to as the turning ...

FMOOD 0313: Determination

10 Dec 2018

Contributed by Lukas

Why is determination so important when we're trying to get out of debt (or trying to accomplish any other goal)? One reason is because determination i...

FMOOD 0312: Don't Cut Those Credit Cards Just Yet!

03 Dec 2018

Contributed by Lukas

You don't want to cut up those credit cards just yet, even if you are getting out of debt. The primary reason is because of the hit your credit score ...

FMOOD 0311: When the Going Gets Good (And It Will)

26 Nov 2018

Contributed by Lukas

What do you do when the going gets good? If it's not going good for you just yet, trust me, it will. When it does, you'll want to be well-prepared for...

FMOOD 0310: Listener E-mails

19 Nov 2018

Contributed by Lukas

Today I'm responding to two listener e-mails. Did I mention how much I love our community?

FMOOD 0309: How to Build Better To-Do Lists

12 Nov 2018

Contributed by Lukas

To-do lists help us to stay on track and stay organized, and this is why I love them. I have used to-do lists for many years, but it wasn't until rece...

FMOOD 0308: That Time of the Year!

05 Nov 2018

Contributed by Lukas

It's that time of the year! When it comes to shopping for Christmas, including Black Friday specials, do you typically find that you spend to the poin...

FMOOD 0307: Thrift Store Bargains

29 Oct 2018

Contributed by Lukas

There are bargains to be had at the local thrift store. If you're wise about this, you could combine shopping for clothing and other items at the thri...

FMOOD 0306: Speak Truth

22 Oct 2018

Contributed by Lukas

You have to speak truth when it comes to your current debt situation. We have to be real and speak the truth as far as why we are on this journey of g...

FMOOD 0305: Using Cash to Better Control Grocery Spending

15 Oct 2018

Contributed by Lukas

Using a cash envelope for grocery spending is a great way to control how much you're spending in this budget category in any given month. There's some...

FMOOD 0304: Let's Go Shopping at Dollar Tree!

08 Oct 2018

Contributed by Lukas

Have you tried shopping at Dollar Tree yet? If not, you may be spending a lot more money on many of the same items that you could be picking up at Dol...

FMOOD 0303: Is Your Budget Failing You?

01 Oct 2018

Contributed by Lukas

Does it seem like your budget is failing you sometimes? When it comes to budgeting, it can be easy for some and more difficult for others. There is a ...

FMOOD 0302: The Top 10 Frugal Habits That Could Save You $1,000 per Month

24 Sep 2018

Contributed by Lukas

Adopting these top ten frugal habits can save you up to $1,000.00 in any given month (sometimes more). Now, this list isn't in any particular order o...

FMOOD 0301: Become a Better Saver While Paying off Debt

17 Sep 2018

Contributed by Lukas

Today you'll learn how you can actually become a better saver while you are in the process of paying off debt. It's not as difficult as you may think,...

FMOOD 0300: Surround Yourself with Support

10 Sep 2018

Contributed by Lukas

A support system is incredibly important when you are in the process of getting out of debt. Getting out of debt is a lofty goal, and it's difficult t...

FMOOD 0299: Freedom in Minimalism

03 Sep 2018

Contributed by Lukas

There is true freedom to experience in minimalism. Minimalism isn't exactly a new topic, but it is one that I prefer to revisit from time to time on t...

FMOOD 0298: Frustrated with the Grocery Budget?

27 Aug 2018

Contributed by Lukas

Out of all of the budget line items that exist in your standard budget, the grocery budget line item is typically the most frustrating at times. We st...

FMOOD 0297: Write Your Story

20 Aug 2018

Contributed by Lukas

Have you ever caught yourself dreaming of becoming an author of a best-selling book or a director of an award-winning movie?    Maybe you have or ma...

FMOOD 0296: Betting Against Broke

13 Aug 2018

Contributed by Lukas

I'm not a gambling man, but this is almost a sure thing. If we're in the process of getting out of debt and getting into prosperity, we're essentially...

FMOOD 0295: What's Stopping You from Earning More?

06 Aug 2018

Contributed by Lukas

What are the things that are stopping you from earning more income? While the answers may vary for each of us, the majority of folks will find that th...

FMOOD 0294: How to Save Money on Groceries Right Now

30 Jul 2018

Contributed by Lukas

Saving money on groceries doesn't need to be difficult. As a matter of fact, you can learn how to save money on groceries right now. We're not talking...

FMOOD 0293: 5 Ways to Improve Your Life

23 Jul 2018

Contributed by Lukas

Here are five ways that you can implement immediately to improve your life. While everyone is different, these five methods should work for most folks...

FMOOD 0292: Work Smarter, Not Harder

16 Jul 2018

Contributed by Lukas

Are you looking to claim more time for yourself? Do you need to spend more time with your family and friends? It's time to change the way that you app...

FMOOD 0291: How to Get Hired at DaDa at the Highest Pay

09 Jul 2018

Contributed by Lukas

Here's how you can get hired at DaDa at the highest pay possible.    I have received lots of questions on episode 290, where I discussed getting hir...

FMOOD 0290: The Best Online Part-Time Job

02 Jul 2018

Contributed by Lukas

Get ready to learn about the best online part-time job! This truly is going to be a great opportunity for you if you are someone who loves to teach. T...

FMOOD 0289: The Good Ol' Days

25 Jun 2018

Contributed by Lukas

Let's get a little nostalgic today. We're going to look back to the good ol' days before we had debt. Regardless of how long ago that may have been fo...

FMOOD 0288: Taking Chunks out of Big Tasks

18 Jun 2018

Contributed by Lukas

Are you looking for a way to no longer be overwhelmed when it comes to accomplishing your larger goals? Have you ever found yourself trying to take on...

FMOOD 0287: Saving and Investing (Listener-Requested Topic)

11 Jun 2018

Contributed by Lukas

Recently, there was a request that came through on the show's iTunes reviews to cover some items on the topic of saving and investing. While I'm not p...

FMOOD 0286: Decreasing the Outgo

04 Jun 2018

Contributed by Lukas

Outgo is just as important as income, and sometimes we may forget about that. It's easy for us to simply focus on what we have coming in and not pay a...

FMOOD 0285: It's Okay to Get a Little Angry

28 May 2018

Contributed by Lukas

Today you'll learn how to channel anger into fuel for accomplishing your goals. It's possible to do this, but first you'll need to focus.   When we g...

FMOOD 0284: Should You Talk About Finances in Front of the Kids?

21 May 2018

Contributed by Lukas

Discover today my thoughts on whether or not you should talk about finances in front of your kids. I'll give you a hint: they probably already know.  ...

FMOOD 0283: Distractions

07 May 2018

Contributed by Lukas

Let's discuss how distractions get in the way of our goals. There is no doubt in my mind that even the smallest distractions can prove to be detriment...

FMOOD 0282: Replace Worry with Focus

30 Apr 2018

Contributed by Lukas

I'd like to share some tips on how to replace worry with focus, and I'd also like to tell you why this is incredibly important. First and foremost, le...

FMOOD 0281: Life Changes Through Positive Habits

23 Apr 2018

Contributed by Lukas

Are you looking for a foolproof way to change your life for the better? It's simple. All you need to do is to implement some positive habits in your l...

FMOOD 0280: How Micro-Habits Will Help You Succeed

16 Apr 2018

Contributed by Lukas

Let me introduce you to a real game-changer. This concept will allow you to easily make positive changes in your life. Because of these changes, you w...

FMOOD 0279: Staying on Top of Things

09 Apr 2018

Contributed by Lukas

Why is it important to stay on top of things and stay focused? It's critical for us to do this because goals don't accomplish themselves. It's up to u...

FMOOD 0278: When You Should (And Shouldn't) File a Homeowner's Insurance Claim

02 Apr 2018

Contributed by Lukas

Knowing when you should (and shouldn't) file a homeowner's insurance claim can save you from difficulties down the road. There are several scenarios a...

FMOOD 0277: Tough Choices and Hard Decisions

26 Mar 2018

Contributed by Lukas

Life can be full of tough choices and hard decisions sometimes. The good news is that we can systematically cut down those tough choices and hard deci...

FMOOD 0276: Stop Living Scared

19 Mar 2018

Contributed by Lukas

We were never meant to live scared. We were designed to be bold and unwavering when it comes to living right. The thing is, the trouble that we find o...

FMOOD 0275: How to Beat a Shopping Addiction

12 Mar 2018

Contributed by Lukas

A shopping addiction is a real thing, just like any other addiction. Many folks go through life not even realizing that they have a shopping addiction...

FMOOD 0274: Getting Organized

05 Mar 2018

Contributed by Lukas

It may not seem like it would be a big deal, but getting organized really does have a profound effect on our personal finances. If you haven't yet lis...

FMOOD 0273: Adventures in Minimalism

26 Feb 2018

Contributed by Lukas

We're picking back up with the habit of practicing minimalism, and it has been great. My wife and I started this a long time ago, but we didn't really...

FMOOD 0272: 8 Ways That We Throw Away Money

19 Feb 2018

Contributed by Lukas

While we may not be crumpling up twenty dollar bills and pitching them in the trash can, we're finding other ways to throw away our hard-earned cash. ...

FMOOD 0271: Some Lessons I've Learned

12 Feb 2018

Contributed by Lukas

Sometimes it's good to look back and reflect on some of the lessons that you've learned along the way, and that's what I'm doing today. Just like you,...

FMOOD 0270: Blow a Hole Through What You Owe

05 Feb 2018

Contributed by Lukas

It's time to blow a hole through what you owe! I have a way of picturing things in my head sometimes, and recently I was picturing taking action to ex...

FMOOD 0269: Use or Be Used

29 Jan 2018

Contributed by Lukas

When it comes to money and personal finances, will you use or be used? Whether we realize it or not, if we're in debt, we are in a constant state of b...

FMOOD 0268: Ways to Handle Life's Let-Downs

22 Jan 2018

Contributed by Lukas

We all have let-downs in life, and here is what you need to do in order to get through them and come out on top. First, you will need to absorb the hi...

FMOOD 0267: How to Deal with Money Stress in Marriage

15 Jan 2018

Contributed by Lukas

Dealing with money stress in marriage just became a whole lot easier. The best news that you'll hear today is that you do not need an advanced degree ...

FMOOD 0266: The First Debt Is Paid!

08 Jan 2018

Contributed by Lukas

It's official! The first debt has been paid in full, and we're celebrating! It has taken some time, but we're happy to report that the entire balance ...

FMOOD 0265: Let's Crush Debt in 2018!

01 Jan 2018

Contributed by Lukas

I don't personally believe in New Year's resolutions, but that's mostly because I believe that we have the ability to implement positive changes at an...

FMOOD 0264: Money Is a Tool; It Has No Power over You

01 Dec 2017

Contributed by Lukas

Money is a tool; it has no power over you. The power that seems to be associated with money is based upon emotional connections with money. Some folks...

FMOOD 0263: Bury Your Nose in a Book, Not a Smartphone

29 Nov 2017

Contributed by Lukas

It's easy to fall into the trap of constantly desiring to be entertained by your smartphone rather than setting aside time to read intentionally. With...

FMOOD 0262: Habits

27 Nov 2017

Contributed by Lukas

Most of the habits that we have, whether they are good habits or bad habits, hit us in one of these three major categories: peace of mind, health, and...

FMOOD 0261: The Groundskeeper

24 Nov 2017

Contributed by Lukas

It's one of those you-don't-judge-a-book-by-its-cover moments. I found out some amazing details on the life of someone who appears on the surface to b...

FMOOD 0260: Happy Thanksgiving!

22 Nov 2017

Contributed by Lukas

It's always beneficial to take some time to be thankful and reflect on our blessings. If you're in the process of getting out of debt or working on an...

FMOOD 0259: Keep the Momentum Going

20 Nov 2017

Contributed by Lukas

You can accomplish greater and greater goals and increase your own level of self-confidence by simply keeping the momentum going once you have comple...

FMOOD 0258: How Debt Crushes Us

17 Nov 2017

Contributed by Lukas

We already know that debt crushes our finances, but it also crushes our spirit and motivation. This is especially true when we're buried under a mount...

FMOOD 0257: Pay Yourself First

15 Nov 2017

Contributed by Lukas

It's advice that you hear in various forums: pay yourself first. But when is this an appropriate strategy? What if you're just making ends meet, livin...

FMOOD 0256: It's Storytime!

13 Nov 2017

Contributed by Lukas

I'd like to let you in on a little background about how I started out, where I came from, and why I'm so completely focused on this journey to get out...

Computer Repair for $25 Bucks

10 Nov 2017

Contributed by Lukas

This mini-episode is an extension of episode 253. On that episode, I mentioned that I had presented an offer on my personal Facebook page for my frien...

FMOOD 0255: Read and Grow Rich

10 Nov 2017

Contributed by Lukas

Did you know that 85% of wealthy folks read two or more self-improvement, career-related, or education-related books every month? This is an interesti...

FMOOD 0254: A Cheerful Giver

08 Nov 2017

Contributed by Lukas

It's that time of the year again! Yes, Christmas is right around the corner. We're being bombarded with advertisements, which in reality probably star...

FMOOD 0253: What If the Starter Emergency Fund Runs Out?

07 Nov 2017

Contributed by Lukas

What if the starter emergency fund runs out? What do you do if you're hit with another emergency? Sometimes you're hit with a double-whammy (or maybe ...

FMOOD 0252: The Cons of Rev.com

04 Nov 2017

Contributed by Lukas

I was provided with a different perspective by one of my valued listeners about working for Rev.com, and I wanted to share that with you today. I have...

FMOOD 0251: Don't Hide (Things) from Your Spouse

01 Nov 2017

Contributed by Lukas

When it comes to money, you don't want to hide things from your spouse. The two of you should be on the same team and on the same page, and the quicke...

FMOOD 0250: It Was a Busy Weekend

30 Oct 2017

Contributed by Lukas

What did you do this weekend? I decided to earn a little extra money on the Rev.com platform. I mentioned this opportunity on episodes 159 and 192. I ...

FMOOD 0249: Got Weekend Plans?

27 Oct 2017

Contributed by Lukas

If you've got plans this weekend, first you'll want to make sure that your budget is ready for those plans. Many times, the weekends can be a budget-k...

FMOOD 0248: What to Do in Lean Times

25 Oct 2017

Contributed by Lukas

What do you do when you're going through lean times? Lean times fall upon all of us at one point or another. When you are in this type of particular s...

FMOOD 0247: What Is PMI?

23 Oct 2017

Contributed by Lukas

This episode is all about PMI: Private Mortgage Insurance. Private Mortgage Insurance is money that you pay in addition to your monthly house payment ...

FMOOD 0246: How to Talk About Money with Your Spouse

20 Oct 2017

Contributed by Lukas

When it comes to conversations about money between you and your spouse, you have to find common ground first and foremost. In most situations, married...

FMOOD 0245: It's Not What You Make, It's What You Keep

18 Oct 2017

Contributed by Lukas

It's not what you make, it's what you keep. Write this sentence on a small piece of paper and place it somewhere where you will see it every day. Post...

FMOOD 0244: Why We Need to Save, Save, Save!

16 Oct 2017

Contributed by Lukas

There's some astonishing data out there that shows that nearly 7 in 10 Americans have less than $1,000 in savings. If you look just 50 years ago, Amer...

FMOOD 0243: Calm Before... and During... the Storm

13 Oct 2017

Contributed by Lukas

Storms will come, and that's a certainty. How you react to these storms truly makes all of the difference.   If you tend to react with knee-jerk reac...

FMOOD 0242: Breakin' Up Is Hard To Do

11 Oct 2017

Contributed by Lukas

There are plenty of long-term relationships out there. Some are successful because they are truly healthy relationships, and the people involved in th...

FMOOD 0241: ABC Yourself

09 Oct 2017

Contributed by Lukas

This has nothing to do with the alphabet. When I refer to ABC yourself, I'm referring to always be challenging yourself. Complacency is the enemy. Don...

FMOOD 0240: What to Do When You're Financially Overwhelmed

06 Oct 2017

Contributed by Lukas

Sometimes we get overwhelmed, financially speaking. When this happens, we need to remove ourselves from the situation, at least temporarily. Even if y...

FMOOD 0239: Warren Buffett's Two-List Strategy

04 Oct 2017

Contributed by Lukas

Did you know that a large number of your otherwise important goals may be serving as a distraction? It's true. I wouldn't be saying this unless I read...

FMOOD 0238: Reevaluate and Get Excited!

02 Oct 2017

Contributed by Lukas

Sometimes you just need to reevaluate your current situation, make some changes as needed, and get excited all over again. This is especially true if ...

FMOOD 0237: Beliefs That Keep Us Broke

29 Sep 2017

Contributed by Lukas

You have to establish your own belief system and not rely on those established by others. Here's why.   Over time, there have been financial principl...

FMOOD 0236: Look for Opportunities Around You

27 Sep 2017

Contributed by Lukas

You've got to look for opportunities around you. Not only should you be on the lookout for opportunities, but you also have to take the appropriate ac...

FMOOD 0235: Don't Lose Sleep Working or Worrying

25 Sep 2017

Contributed by Lukas

Our bodies were not meant to be sleep-deprived. We have likely heard and read this many times over, but for some reason, we still think that we can ge...

FMOOD 0234: Earning a Little Extra on eBay

22 Sep 2017

Contributed by Lukas

I am in the process of bridging the financial resources gap by listing a few things on eBay, and I'm excited to keep it going! The stuff that I had li...

FMOOD 0233: The Joy of Accomplishment

20 Sep 2017

Contributed by Lukas

There's a certain joy and happiness that comes when we check off a challenging task from our task list. This is especially true if we got into the hab...

FMOOD 0232: Walmart's Online Grocery Pickup Service

18 Sep 2017

Contributed by Lukas

Walmart has an online grocery pickup service that we tried for the first time this past weekend, and we loved it. It's a simple and straightforward pr...

FMOOD 0231: Don't Be a Sheep

15 Sep 2017

Contributed by Lukas

Sheep are everywhere if you take the time to look around. We're not only creatures of habit, but we also tend to naturally follow the crowd. Sometimes...

FMOOD 0230: Difficult Conversations

13 Sep 2017

Contributed by Lukas

In a marriage, you will have difficult conversations. It's going to happen, and sometimes, these conversations may involve financial issues. It's a we...

FMOOD 0229: Mind Clutter

11 Sep 2017

Contributed by Lukas

Mind clutter is a direct result of having too many balls in the air and having less focus, usually because of this. Human beings are built to focus on...

FMOOD 0228: How to Handle Disappointment

08 Sep 2017

Contributed by Lukas

We've all had disappointments in our lives. How we handle those disappointments is what determines whether we pass or fail the test. And believe me, w...

FMOOD 0227: If You Can't Measure It, You Can't Manage It

06 Sep 2017

Contributed by Lukas

If you can't measure it, you can't manage it. This is a quote that I heard recently, and it really hit home for me. I know that I keep a pretty strict...

FMOOD 0226: Earn 'Til It Hurts!

04 Sep 2017

Contributed by Lukas

Earn 'til it hurts! It sounds like an exercise program, doesn't it? Perhaps it could be considered an exercise program that can help you to get out of...