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

FMOOD 0225: Happy Friday!

01 Sep 2017

Contributed by Lukas

Happy Friday! What are your weekend plans?   If you're planning on some downtime, you'll want to make sure that you have already budgeted for this fu...

FMOOD 0224: American Debt

30 Aug 2017

Contributed by Lukas

Did you know that the average American household debt is a staggering $140,000.00? Now, that does include a mortgage, but even with that in mind, this...

FMOOD 0223: What We Can Learn from Ray Kroc

28 Aug 2017

Contributed by Lukas

The story of Ray Kroc and the founding of McDonald's as a national and international chain of restaurants holds plenty of gold nuggets of useful infor...

FMOOD 0222: Someone Else Is Happy with Less

25 Aug 2017

Contributed by Lukas

Someone else is happy with less than you have. I read that quote today, and it inspired me to do an entire episode on this subject.    We take a lot...

FMOOD 0221: My Thoughts on Tipping

23 Aug 2017

Contributed by Lukas

I have a pretty consistent method when it comes to tipping. I firmly believe that we should tip well for great service. It's our way of showing apprec...

FMOOD 0220: 5 Simple Daily Steps to Think Outside of the Box

21 Aug 2017

Contributed by Lukas

These are the five simple steps that I incorporate daily to help me to consistently think outside of the box. I didn't exactly put these together as f...

FMOOD 0219: How to Stop Feeling Broke

18 Aug 2017

Contributed by Lukas

Are you making hundreds of dollars a week or thousands of dollars a month but still feel broke? Here's how to stop feeling broke.   First, you have t...

FMOOD 0218: How to Stop Using Your Credit Card

16 Aug 2017

Contributed by Lukas

This is the one question that you need to ask yourself before you whip out the plastic. This question is essential in order to stop yourself from cont...

FMOOD 0217: Are You in a Debt Crisis?

14 Aug 2017

Contributed by Lukas

Are you currently in debt crisis mode? Perhaps your utilities are falling behind, and you're afraid that the lights will be shut off. Perhaps your veh...

FMOOD 0216: What Are Your Three Biggest Frustrations?

11 Aug 2017

Contributed by Lukas

What are your three biggest frustrations when it comes to personal finance? I would like you to take some time and think about this question. Get back...

FMOOD 0215: Cheap Kitchen Countertops with the Giani Granite Countertop Kit

09 Aug 2017

Contributed by Lukas

If you're looking for cheap kitchen countertops that still look like granite, you'll want to check out the Giani Granite Countertop Kit. We bought thi...

FMOOD 0214: Think Outside of the Job Box

07 Aug 2017

Contributed by Lukas

You need to think outside of the job box. Many of us get used to collecting a paycheck or getting a direct deposit into our savings or checking from o...

FMOOD 0213: From Ramen to Rolex

04 Aug 2017

Contributed by Lukas

Visualization is important while we're on the journey to get out of debt and get into prosperity. I'm a big believer in visualizing where you're at an...

FMOOD 0212: That Guru Is Richer Than Me

02 Aug 2017

Contributed by Lukas

As many of you know, I enjoy reading books and listening to shows on the topic of personal finance. I weed out the garbage and leave behind only the b...

FMOOD 0211: A New Technique

31 Jul 2017

Contributed by Lukas

There's a new technique that I've been using to help me with better utilizing additional income resources outside of my standard full-time income. I s...

FMOOD 0210: Kids and Healthy Financial Foundations

28 Jul 2017

Contributed by Lukas

Help to build a healthy financial foundation with your children by showing them how they can earn their own money. From there, help them to connect th...

FMOOD 0209: Golden Elvis

26 Jul 2017

Contributed by Lukas

If you're planning a vacation to Niagara Falls (on the Canadian side), you'll want to ask around to find out where you can find Golden Elvis. That's l...

FMOOD 0208: Why I Do What I Do

24 Jul 2017

Contributed by Lukas

Why do I have this particular podcast? I thought it would be a good idea today to get into why I do what I do. To me, this show seemed like a good fit...

FMOOD 0207: Looking Good on a Budget

21 Jul 2017

Contributed by Lukas

While we are in the process of getting out of debt, we naturally make sacrifices here and there in order to focus more resources on our goals towards ...

FMOOD 0206: 10 Inexpensive Home Improvement Ideas

19 Jul 2017

Contributed by Lukas

Many folks consider home improvement projects to equate to big bucks, and rightfully so. Many of them are expensive. When you are in the process of g...

FMOOD 0205: Feast vs. Famine

17 Jul 2017

Contributed by Lukas

What do you do when times are plentiful versus when times are more lean? Many folks have to ask this question several times a year, especially those w...

FMOOD 0204: Ways to Save Time

14 Jul 2017

Contributed by Lukas

Whether it's shaving in the shower or getting our clothes ready the evening before for the following day, we're always looking for ways to shave some ...

FMOOD 0203: 10 Things to Aspire Towards

12 Jul 2017

Contributed by Lukas

What are your ten things to aspire towards? This list can be quite significant and can serve as a useful blueprint to living out the life that you wan...

FMOOD 0202: Your MSI: Multiple Streams of Income

10 Jul 2017

Contributed by Lukas

How many multiple streams of income do you have coming in? There are ways to change your thinking so that you're on the lookout for opportunities rath...

FMOOD 0201: The Facebook Marketplace

07 Jul 2017

Contributed by Lukas

It's the new eBay (or Craigslist). It's the Facebook Marketplace. If you haven't checked it out yet, I definitely suggest doing so. I have sold on thi...

FMOOD 0200: The Importance of Weekly Budget Updates

05 Jul 2017

Contributed by Lukas

It's important to not only complete a monthly budget, but it's also important to maintain that budget on a weekly basis. Revisiting the budget weekly ...

FMOOD 0199: Should You Keep a Credit Card for Travel Purposes?

03 Jul 2017

Contributed by Lukas

Should you keep a credit card for travel purposes? Some folks believe so, and I do agree with some of the valid points offered with doing so. First of...

FMOOD 0198: Get a Pet While Getting out of Debt?

02 Jul 2017

Contributed by Lukas

Should you get a pet while you're in the process of getting out of debt? Some folks who are currently in the middle of working through their get-out-o...

FMOOD 0197: A Personal Update

01 Jul 2017

Contributed by Lukas

Just a quick personal update on me, the show, and more.   Do you have a question that you would like to have answered on the show or via e-mail? Go t...

FMOOD 0196: Stop the Insanity!

30 Jun 2017

Contributed by Lukas

Do you remember that infomercial from back in the day where the lady yelled out tell everyone to stop the insanity? It was an infomercial on diet and ...

FMOOD 0195: The Rice and Beans Fallacy

29 Jun 2017

Contributed by Lukas

Is it really necessary to eat rice and beans when getting out of debt? Absolutely not. Several gurus out there use the phrase of rice and beans when r...

FMOOD 0194: Social Media Q & A

28 Jun 2017

Contributed by Lukas

You ask the questions on social media about personal finance, and I answer them right here on the show.   Ashley and her husband are having issues in...

FMOOD 0193: A Friend in Need

27 Jun 2017

Contributed by Lukas

A friend in need is a friend, and you want them to stay that way. Letting them borrow money from you is a good way to almost guarantee that won't happ...

FMOOD 0192: Work From Home Reviews: Rev.com (Part 2)

26 Jun 2017

Contributed by Lukas

On episode 159, I introduced the work from home opportunity known as Rev.com. The primary benefits of this program are paid training, consistent pay w...

FMOOD 0191: Choose Happiness

25 Jun 2017

Contributed by Lukas

Yes, you can actually choose to be happy. While we are affected by external influences, we do have a choice as to how we respond to those influences. ...

FMOOD 0190: Stop Trading Gifts!

24 Jun 2017

Contributed by Lukas

Silly adult, gifts are for kids. Well, not all of the time, but in most cases.   Picture the holiday shopping season. How many times have you found y...

FMOOD 0189: A Temporary Defeat

23 Jun 2017

Contributed by Lukas

Have you ever had a temporary defeat? This is actually a good thing. Our temporary defeats and setbacks don't define whether we are winning or losing....

FMOOD 0188: The Beater Vehicle Theory

22 Jun 2017

Contributed by Lukas

Before you buy a beater vehicle to get out of your car payment, you may want to consider all of the possibilities. It's exciting to imagine getting ou...

FMOOD 0187: Why Credit Scores Are Important

21 Jun 2017

Contributed by Lukas

Credit scores are still important. Many folks associate a credit score as a means to be able to get credit, but a credit score is used for much more t...

FMOOD 0186: The Pomodoro Technique: Part 2

20 Jun 2017

Contributed by Lukas

This is a follow-up to the Pomodoro Technique introduced on episode 176. You may want to listen to that episode first if you haven't already.   Find ...

FMOOD 0185: Sabotage!

19 Jun 2017

Contributed by Lukas

Self-sabotage is a sad reason to fail. You simply cannot be your own worst enemy when it comes to your get-out-of-debt plans. If you continue to use c...

FMOOD 0184: Should We Always Wait to Invest?

18 Jun 2017

Contributed by Lukas

Is it a hard and fast rule to wait until you're out of debt before you invest? Intuitively, it does make sense to only focus our resources towards pay...

FMOOD 0183: Is Debt Good or Bad?

17 Jun 2017

Contributed by Lukas

Is debt good or bad? It's a question that many of us ask ourselves while we are in the process of getting out of debt. Good debt is usually considered...

FMOOD 0182: Prevent Yourself from Making the Same Mistakes

16 Jun 2017

Contributed by Lukas

Here's the question of the day. Is there anything in your life, knowing what you know now, that you would not do again today if you had the opportuni...

FMOOD 0181: What Are Your Biggest Concerns?

15 Jun 2017

Contributed by Lukas

What are your biggest concerns right now? What keeps you up at night? What is on your mind more than anything else during any given day?   You could ...

FMOOD 0180: Overcoming the Fear of Failure

14 Jun 2017

Contributed by Lukas

Do you have a fear of failure? Do you stay within your comfort zone, even when you are setting goals for yourself? If you never stretch yourself outsi...

FMOOD 0179: Your Life, Ten Years from Now

13 Jun 2017

Contributed by Lukas

What will your life look like ten years from now? An exceptional motivator is to envision your life in the future. Are you out of debt? Have you saved...

FMOOD 0178: Gotta Earn Some More Money (How About You?)

12 Jun 2017

Contributed by Lukas

I've got to earn some money in the next month or so, and I've identified just how I'll do it. That's half of the battle right there. It's pretty amazi...

FMOOD 0177: Caring Too Much About What Others Think

11 Jun 2017

Contributed by Lukas

Do you care too much about what others are thinking? This can add a whole new level of complexity while you are trying to accomplish a goal, such as g...

FMOOD 0176: The Pomodoro Technique

10 Jun 2017

Contributed by Lukas

I've heard about the Pomodoro Technique before, but I have never actually looked into trying this until recently. I did several searches on Google, an...

FMOOD 0175: Be a Superhero (Nobody Is Coming to Save You)

09 Jun 2017

Contributed by Lukas

Superheroes do not exist. Sorry, Superman fans, that's just reality. However, nobody is stopping you from being a superhero of personal finance. You c...

FMOOD 0174: My Morning Routine

08 Jun 2017

Contributed by Lukas

There's a lot to be said about morning routines. Setting your alarm a half-hour earlier or even an hour earlier will help you to set the entire tone f...

FMOOD 0173: Take Some Risks

07 Jun 2017

Contributed by Lukas

If you truly take a good look at yourself, are you being a little too risk averse? Are you leading a safe and careful life rather than taking some str...

FMOOD 0172: Things You Don't Know About Aldi

06 Jun 2017

Contributed by Lukas

Today I read a great article from Erin Cullum/Popsugar US. The article was an informational article about some things that we may not know about our l...

FMOOD 0171: Getting Back on Track

05 Jun 2017

Contributed by Lukas

Sometimes you end up taking a few steps back on this journey out of debt, but that doesn't mean that you can't make up for it by taking several steps...

FMOOD 0170: Keeping It Simple

04 Jun 2017

Contributed by Lukas

Have you ever added more layers to a decision than what was absolutely necessary? Do you overthink things or muddy the waters unnecessarily with too m...

FMOOD 0169: Is This an Emergency, or Am I Just Bad with Money?

03 Jun 2017

Contributed by Lukas

I've found myself doing this before. I get desperate for a few extra dollars in a particular budget month where I found myself in the red. The emergen...

FMOOD 0168: When You Lack Intensity

02 Jun 2017

Contributed by Lukas

You need to be intentional and have the right levels of focus and intensity towards accomplishing your goals. Are you lax with your debt payoff strate...

FMOOD 0167: Interview with Ericka Young from TailorMadeBudgets.com

01 Jun 2017

Contributed by Lukas

I'm pleased to welcome Ericka Young from TailorMadeBudgets.com on the show today. If you're married, you'll definitely discover some great gold nugge...

FMOOD 0166: False Promises and Garbage

31 May 2017

Contributed by Lukas

I'm tired of all of these pie-in-the-sky promises that are posted in various forums, social media groups, etc. Most of the headlines used for these po...

FMOOD 0165: Better Time Management Tips

30 May 2017

Contributed by Lukas

We all know that budgeting money is important. However, how often do we think about budgeting time? Time is much more valuable than money, in my opini...

FMOOD 0164: 8 Things You Should Not Be Paying For

29 May 2017

Contributed by Lukas

If you're in the process of getting out of debt, there are certain things that you shouldn't be paying for. You should be redirecting the monetary res...

FMOOD 0163: The Ideal Budget

28 May 2017

Contributed by Lukas

If we're in debt, it's difficult to imagine an ideal budget. Many of us are budgeting for multiple credit cards, a couple of auto loans, and perhaps s...

FMOOD 0162: Spend Some Time Without Spending a Dime

27 May 2017

Contributed by Lukas

There are plenty of ways to spend little or no money at all and have fun at the same time. While this list won't apply to everyone (we all have differ...

FMOOD 0161: Ignore Brand Loyalty, Save Money

26 May 2017

Contributed by Lukas

If you're loyal to certain brand names, you may want to rethink your shopping strategy. Companies spend tons of money to get their brands in front of ...

FMOOD 0160: Resume Makeover!

25 May 2017

Contributed by Lukas

Today's a good day to take a look at your resume. See if it looks a bit outdated. Are you still using the tired Word template resume that was popular ...

FMOOD 0159: Work from Home Reviews: Rev.com

24 May 2017

Contributed by Lukas

I'm starting a new segment of the show that I'll be doing from time to time where I sign up and try out various work from home opportunities and let ...

FMOOD 0158: Making Debt Payoff a Priority

23 May 2017

Contributed by Lukas

It's too easy to get lazy about staying focused on our target debt. The target debt is the current debt that has almost all of the focus and available...

FMOOD 0157: Loan or Cash?

22 May 2017

Contributed by Lukas

You've got a somewhat significant purchase coming up, and you might be wondering if you should take out a small loan or save up and pay cash. You migh...

FMOOD 0156: Too Broke to Give?

21 May 2017

Contributed by Lukas

A common trap for folks who are in the process of improving their financial situation is to hold off on giving. The justification that is usually appl...

FMOOD 0155: Why Dreaming Is Good for You

20 May 2017

Contributed by Lukas

Dreaming is good for you. It gives you hope. It allows you to look forward to the future. It helps to motivate you.   Don't be ashamed of your dream...

FMOOD 0154: Being Frugal vs. Being Cheap

19 May 2017

Contributed by Lukas

If you ask most people, they won't see much of a difference between someone who is considered to be frugal and someone who is considered to be cheap. ...

FMOOD 0153: Budgeting While You're Behind

18 May 2017

Contributed by Lukas

Budgeting in of itself can be a challenge, but what happens when you have payments or other bills that have fallen behind? Adding this to trying to ma...

FMOOD 0152: Get out of Debt Budget Board

17 May 2017

Contributed by Lukas

The other day, I purchased a large whiteboard for the sole purpose of providing both my wife and me with a high-level overview of our budget. I highly...

FMOOD 0151: The Worry Bully

16 May 2017

Contributed by Lukas

What is the Worry Bully? I didn't personally make this up, but I overheard it in a conversation. You have to use your imagination, but picture this: a...

FMOOD 0150: Are Outlet Malls Worth It?

15 May 2017

Contributed by Lukas

We took a little road trip to an outlet mall. We weren't going to do a ton of shopping necessarily; it was mostly just for the purpose of getting out ...

FMOOD 0149: The 4 Tenets of Personal Finance

14 May 2017

Contributed by Lukas

There are four main tenets of personal finance. If you keep these truths in mind, you will always succeed when it comes to your finances. These same t...

FMOOD 0148: Interview with Christina Eanes from QuitBleepingAround.com

13 May 2017

Contributed by Lukas

Today's interview with Christina Eanes from QuitBleepingAround.com is truly informative and packed with valuable takeaways that will help you to becom...

FMOOD 0147: 5 Ways to Be More Comfortable with Yourself

12 May 2017

Contributed by Lukas

Sometimes when you are in the process of working on a goal that isn't popular with a lot of folks, you might feel that you are part of a small minorit...

FMOOD 0146: Income Challenges

11 May 2017

Contributed by Lukas

All of us will experience income challenges at some point during our journey out of debt and into prosperity. What is the best way to prepare for thes...

FMOOD 0145: Theory vs. Real World

10 May 2017

Contributed by Lukas

Are you having a difficult time with applying theories and strategies on how to get out of debt? Are you feeling frustrated because of all of the cook...

FMOOD 0144: Dollar Store Shopping

09 May 2017

Contributed by Lukas

You can save a ton of money at your local dollar store. If there's one in your area, and you haven't had an opportunity to check it out yet, I highly ...

FMOOD 0143: Cash Hurts (And That's a Good Thing!)

08 May 2017

Contributed by Lukas

Many of us have become used to using plastic for a large number of our purchases. When we choose to use plastic over paying with cash, the result is t...

FMOOD 0142: The Day When the Credit Card Company Did Me a Favor

07 May 2017

Contributed by Lukas

Believe it or not, a credit card company actually did me a favor. I almost fell for the zero percent introductory APR trap. Thankfully, we were denied...

FMOOD 0141: Wise Words from Kevin O'Leary

06 May 2017

Contributed by Lukas

Today's episode is based on a small snippet from the book, Cold Hard Truth On Men, Women, and Money by Kevin O'Leary. The ten items mentioned on this...

FMOOD 0140: Let Your Kids Earn and Learn

05 May 2017

Contributed by Lukas

There is a lot to be said about giving our kids opportunities to earn money based upon age-appropriate jobs that they can do around the house. I think...

FMOOD 0139: Eating Out: Bad for the Budget and Our Health

04 May 2017

Contributed by Lukas

Eating out is a common occurrence nowadays. We likely eat out more often than we realize for the simple convenience factor alone. At the time that we ...

FMOOD 0138: The Reality of Interest Charges

03 May 2017

Contributed by Lukas

Paying your credit card bills on time isn't enough. You need to scrutinize these bills and find out just how much your interest charges are costing yo...

FMOOD 0137: 10 Ways to Get That Promotion!

02 May 2017

Contributed by Lukas

If you've been at the same place of employment for a while, you're probably setting your sights on getting a promotion, and why shouldn't you? With ad...

FMOOD 0136: Your Spouse, Your Champion

01 May 2017

Contributed by Lukas

If you are married and in the process of getting out of debt, is your spouse enthusiastically supporting you? Imagine if all married folks, at the sam...

FMOOD 0135: Garage Sale 101

30 Apr 2017

Contributed by Lukas

Today is all about hosting your very own garage sale in order to earn some quick cash and get rid of stuff at the same time. Believe it or not, there ...

FMOOD 0134: Getting a Handle on Things

29 Apr 2017

Contributed by Lukas

Are you feeling overwhelmed? Does most of your financial life seem to be spinning out of control? Do you find yourself burying your head in the sand a...

FMOOD 0133: Getting out of Debt Fatigue

28 Apr 2017

Contributed by Lukas

Have you ever experienced a phenomenon known as getting out of debt fatigue? It's a real thing, and it happens to the best of us (myself included). Wh...

FMOOD 0132: Money Is the Root of All Evil. No, It Isn't.

27 Apr 2017

Contributed by Lukas

Money isn't good. Money isn't bad. It's simply money. It's a tool that we utilize, and it doesn't have the capacity to be good or evil. Many folks mis...

FMOOD 0131: Fun Money!

26 Apr 2017

Contributed by Lukas

You've got to put some fun money into the budget. Personally, I didn't do this for a long time. As a matter of fact, I didn't realize the importance o...

FMOOD 0130: Interest vs. Interest

25 Apr 2017

Contributed by Lukas

Will your interest in the purchases that you make on a credit card or by taking out a loan outlive the interest that you'll pay? In most cases, probab...

FMOOD 0129: The Everyone Else Excuse

24 Apr 2017

Contributed by Lukas

Everyone else has credit card debt. Everyone else has car payments. Everyone else has a 30-year mortgage. Everyone else will not have enough saved up ...

FMOOD 0128: What Is Your Ceiling?

23 Apr 2017

Contributed by Lukas

It may seem like a strange question, but I have to ask you: what is your ceiling? In other words, what is the self-limitation that you have set for yo...

FMOOD 0127: 7 Ways to Be Happier

22 Apr 2017

Contributed by Lukas

Think about the last time that you were saddened or angered by some event. In most cases, the event wasn't serious enough for you to care about it in ...

FMOOD 0126: Happiness in a Smaller Home

21 Apr 2017

Contributed by Lukas

If you're in the process of looking for a new home, you may want to consider a smaller home. A smaller home has many benefits, including a smaller are...