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

FMOOD 0125: Square Peg, Round Hole

20 Apr 2017

Contributed by Lukas

Have you ever felt like a square peg trying to fit into a round hole? In particular, I'm talking about conversations that you may find yourself in wit...

FMOOD 0124: Considering a HELOC?

19 Apr 2017

Contributed by Lukas

Are you considering a HELOC (home equity line of credit)? A HELOC is a borrowing instrument that allows you to use the equity in your home to borrow a...

FMOOD 0123: SMART Goals

18 Apr 2017

Contributed by Lukas

Simply stated, SMART goals give us an opportunity to put our goals through a filter that will help us to better define our individual goals and increa...

FMOOD 0122: Think Big Picture

17 Apr 2017

Contributed by Lukas

In general, it's good to be in the present. However, I also think that it's important for us to anticipate the future as well. If we only look at our ...

FMOOD 0121: How to Do the Most Important Thing First

16 Apr 2017

Contributed by Lukas

Do you start your day by hitting snooze for a half hour before you actually crawl out of bed? Before you know it, you're rushing around like a crazy p...

FMOOD 0120: Be Bold

15 Apr 2017

Contributed by Lukas

When we are bold and courageous and know that we're going to succeed before we even start, that's when real progress is made. Knowing with absolute ce...

FMOOD 0119: The Power of Habit

14 Apr 2017

Contributed by Lukas

Habits are simply regular actions on autopilot. We have repeated the actions often enough that we no longer need to think about the actions in order f...

FMOOD 0118: The Common Enemy: Laziness

13 Apr 2017

Contributed by Lukas

Even the most driven and focused individuals can succumb to laziness. We don't even realize that it's happening to us when it happens, but when we wer...

FMOOD 0117: There Are No Excuses

12 Apr 2017

Contributed by Lukas

Excuses set us back from accomplishing our goals. They extend the time necessary to accomplish a particular goal or a task related to a goal because t...

FMOOD 0116: Beware of the Introductory APR

11 Apr 2017

Contributed by Lukas

Between my wife and me, we've been receiving 0% introductory APR credit card offers at least three times a week lately. I started to wonder why there ...

FMOOD 0115: Learn More About Yourself

10 Apr 2017

Contributed by Lukas

One of the best ways to learn more about yourself and your spending habits is to look at transactions over the last three to six months for several di...

FMOOD 0114: Visualization Experiment

09 Apr 2017

Contributed by Lukas

Our brains are wired in such a way that we can imagine an event and actually react and feel emotions the same way as we would if we had actually exper...

FMOOD 0113: Leadership and Success

08 Apr 2017

Contributed by Lukas

If you are the one who primarily takes care of the household budget, you may not realize that you are effectively in a leadership role. Does this mean...

FMOOD 0112: It's None of Their Business

07 Apr 2017

Contributed by Lukas

Inviting friends or family members to weigh in on a personal financial problem may not work out as well as you had intended. This is especially true ...

FMOOD 0111: Ask Me Anything (AMA)

06 Apr 2017

Contributed by Lukas

Do you have an issue that you're having trouble with that hasn't yet been addressed on this show? Perhaps you're just starting out and need a little b...

FMOOD 0110: How to Make Your Money Stretch

05 Apr 2017

Contributed by Lukas

Do you struggle to make your money last until the end of the month? Regardless if you are paid monthly, bi-weekly, or otherwise, I'll be explaining a ...

FMOOD 0109: What Truly Matters

04 Apr 2017

Contributed by Lukas

It's great to have goals and to be focused on those goals. I love to be driven and to keep going even when times are tough in order to complete a goal...

FMOOD 0108: A Hilarious Facebook Ad

03 Apr 2017

Contributed by Lukas

I have to tell you about this hilarious Facebook ad that I saw this morning. Long story short, this guy did this ad to push his system on how to make ...

FMOOD 0107: Seeing the Good in Your Spouse

02 Apr 2017

Contributed by Lukas

Resentment is a bad thing in a marriage. When you are working on what could sometimes be a stressful path towards getting out of debt, you may come ac...

FMOOD 0106: How I REALLY Feel About Credit Cards

01 Apr 2017

Contributed by Lukas

Let me tell you how I really feel about credit cards. Credit cards can be dangerous. At the same time, there's nothing wrong with the responsible use...

FMOOD 0105: College Students and Credit Cards

31 Mar 2017

Contributed by Lukas

I had a job when I was younger that you may find hard to believe. I was a credit card pusher. Yes, I worked for a company that was hired by banks and ...

FMOOD 0104: My Budgeting Spreadsheet (Free!)

30 Mar 2017

Contributed by Lukas

Are you looking for a free budget spreadsheet that you can use for your monthly budget? I've got my personal monthly budget spreadsheet that I've used...

FMOOD 0103: The Fear of Big Payments

29 Mar 2017

Contributed by Lukas

Do you have a fear of making large payments towards your debt? I usually recommend saving up for a large payment and applying it towards the debt in h...

FMOOD 0102: Be Kind to Your Spouse

28 Mar 2017

Contributed by Lukas

Rule number one when it comes to working with your spouse is to be kind to your spouse. Both of you must follow this rule, otherwise things will becom...

FMOOD 0101: This Paying off Debt Thing Is Hard!

27 Mar 2017

Contributed by Lukas

Are we chunking away at debt using an eating utensil or an ax? We've been in the process of saving for our first large debt payment to chunk away at ...

FMOOD 0100: Don't Wait for Freedom to Be Happy

26 Mar 2017

Contributed by Lukas

When we are working towards accomplishing a huge goal like getting out of debt, it can be quite easy for us to convince ourselves that we need to be i...

FMOOD 0099: The Habit of Saving While Getting out of Debt

25 Mar 2017

Contributed by Lukas

Back on episode number 8, I talked about how you can save your first $1,000.00 for your starter emergency fund, then you can repeat the process to be ...

FMOOD 0098: Don't Take Yes for an Answer

24 Mar 2017

Contributed by Lukas

Sometimes we need to learn to stop saying yes. We say yes to spending money in many ways that go against our goals of getting out of debt and getting ...

FMOOD 0097: Create a Waiting List

23 Mar 2017

Contributed by Lukas

A waiting list is simply a list of upcoming expenses that you are keeping on the radar so that you don't forget about them. It's similar to a sinking ...

FMOOD 0096: Ask the Right Questions

22 Mar 2017

Contributed by Lukas

Asking the right questions can be half of the battle when you need to get to the correct answer. We should be asking questions that will help us to d...

FMOOD 0095: Why I Will Never Lease a Vehicle

21 Mar 2017

Contributed by Lukas

It's a question that has been asked over and over again, and will likely continue to be asked. That question is this: is it better to buy or lease a ...

FMOOD 0094: When You Owe to Relatives

20 Mar 2017

Contributed by Lukas

I'll say this right out of the gate. It's almost always a horrible idea to borrow money from relatives. What happens when you've already borrowed the ...

FMOOD 0093: Does Your Behavior Reflect Your Head Knowledge?

19 Mar 2017

Contributed by Lukas

Do you read or listen to information on topics related to a goal that you are trying to accomplish, talk about what you've learned with others, but yo...

FMOOD 0092: Why You Should Keep Good Records

18 Mar 2017

Contributed by Lukas

It is critical to keep good records, especially if you are transitioning from relying on credit to paying cash or using your debit card for purchases....

FMOOD 0091: Building Multiple Streams of Income

17 Mar 2017

Contributed by Lukas

Multiple streams of income isn't a concept that's limited to high-end investors like Warren Buffett. Perhaps you won't be running the next Berkshire H...

FMOOD 0090: You Are Not Your Neighbor

16 Mar 2017

Contributed by Lukas

You are not your neighbor. You are not your friend. You are not your relative. In other words, stop trying to keep up with the Joneses.   You may be ...

FMOOD 0089: Minimalism Is a Lot of Work (But so Worth It)

15 Mar 2017

Contributed by Lukas

Minimalism is a lot of work, or at least it can be. It's so worth it, though. I spent last weekend purging our basement and storage area of stuff that...

FMOOD 0088: Income Does Not Determine Wealth

14 Mar 2017

Contributed by Lukas

Do you know of folks who seem to earn a higher income but are struggling just as much (if not more than) folks who are earning less? Why is that? The ...

FMOOD 0087: Feeling Freedom by Paying Cash

13 Mar 2017

Contributed by Lukas

There is a certain freedom that comes along when we pay with cash. For one, we know right away that we don't have to pay later like we would if we w...

FMOOD 0086: The 4 Simple Steps to Problem Solving

12 Mar 2017

Contributed by Lukas

When we are face-to-face with a particular problem, there are four simple steps to follow in order to solve that problem. I'll be talking about this i...

FMOOD 0085: Your Relationship with Money

11 Mar 2017

Contributed by Lukas

Your relationship with money should be one of complete control. If you aren't in control of your money, then that means that the opposite is true: you...

FMOOD 0084: Focus on Prosperity

10 Mar 2017

Contributed by Lukas

When we are in the process of getting out of debt, we naturally decide to cut or reduce expenses that we don't need. We also make decisions to not spe...

FMOOD 0083: Don't Get Comfortable

09 Mar 2017

Contributed by Lukas

When you have reached a significant milestone in your journey, it's natural to want to take some time to celebrate. There's nothing wrong with this; ...

FMOOD 0082: Success on One Income

08 Mar 2017

Contributed by Lukas

There are many reasons why married folks decide to go from a two-income household where both spouses are working to a one-income household where onl...

FMOOD 0081: Save and Earn Cash with Ibotta

07 Mar 2017

Contributed by Lukas

Today I will be reviewing the Ibotta app for iOS and Android. I'll also tell you how you can earn $10.00 just for trying out the free app and will go ...

FMOOD 0080: Sort-Of On-Board Spouses

06 Mar 2017

Contributed by Lukas

It is typically depicted that in most marriages, there is a saver and a spender - the one who handles the budget and the one who spends all of the mon...

FMOOD 0079: How to Live a Happy and Balanced Life

05 Mar 2017

Contributed by Lukas

What makes you truly happy? It's a question that many of us have likely pondered at least several times. It's an important question to ask, though. It...

FMOOD 0078: A Brand-New Debt Trap

04 Mar 2017

Contributed by Lukas

Today I discovered a new tactic that some companies are now using in order to trap us into debt. Personally, I've never seen this tactic used before, ...

FMOOD 0077: Short-Term Sacrifice for Long-Term Gain

03 Mar 2017

Contributed by Lukas

When we are involved in a huge undertaking like getting out of debt, we may feel discouraged at times. This is especially true if we have been sacri...

FMOOD 0076: Eliminate Medical Debt with a Simple Phone Call

02 Mar 2017

Contributed by Lukas

Are you currently experiencing a true financial hardship yet have a significant amount of medical debt? You may be able to pick up the phone and pay a...

FMOOD 0075: Alternatives to Daycare

01 Mar 2017

Contributed by Lukas

How much are you spending every month on daycare? Are you continuing to work and only seeing a few hundred dollars a month because the rest of your h...

FMOOD 0074: Inexpensive Home Upgrade Ideas

28 Feb 2017

Contributed by Lukas

Find out how you can complete some inexpensive home upgrades that won't break the bank. When we're in the process of getting out of debt, or working o...

FMOOD 0073: Time to Celebrate!

27 Feb 2017

Contributed by Lukas

It's time to celebrate! We have officially saved up our initial $1,000.00 for our starter emergency fund. Needless to say, I'm excited. We started thi...

FMOOD 0072: Actions Speak Louder Than Words

26 Feb 2017

Contributed by Lukas

We've all heard the saying that actions speak louder than words. The reason that you've heard the saying before is because it holds true throughout th...

FMOOD 0071: Negotiate Everything!

25 Feb 2017

Contributed by Lukas

Wise (and rich) folks will tell you that everything is negotiable. Whether you are a buyer or a seller, you'll want to brush up on your negotiation s...

FMOOD 0070: Nobody Cares

24 Feb 2017

Contributed by Lukas

Nobody cares more about your money than you do. You are the only one to experience the pain of a poor financial decision or an unexpected expense. On ...

FMOOD 0069: Did You Buy Too Much House?

23 Feb 2017

Contributed by Lukas

Is the roof over your head causing you a lot of stress? Is it preventing you from reaching your financial goals? If so, it may be time to consider whe...

FMOOD 0068: The $500 Hit and Run

22 Feb 2017

Contributed by Lukas

Many of us have been there, but I will admit that this is the first experience that I've had with this. We recently found damage to our vehicle while ...

FMOOD 0067: Don't Waste Time!

21 Feb 2017

Contributed by Lukas

Don't waste time. Three little words that mean so much, but for whatever reason, it's easy to forget sometimes. We have jobs, relationships, etc. that...

FMOOD 0066: Budget-Friendly Vacation Tips

20 Feb 2017

Contributed by Lukas

On today's episode, I'll be talking about budget-friendly vacation tips. We all need a break sometimes. We all need to spend some quality time with ou...

FMOOD 0065: All About Vision Boards

19 Feb 2017

Contributed by Lukas

Do you use vision boards? If you don't, have you at least heard of vision boards? On today's episode, I'll discuss how this show was a direct product ...

FMOOD 0064: More Money Won't Fix It

18 Feb 2017

Contributed by Lukas

More money isn't going to solve your problems. I'm afraid to break the news to you, but even if you were to get a huge raise tomorrow or won a small l...

FMOOD 0063: Kill Car Payments Forever

17 Feb 2017

Contributed by Lukas

Car payments are horrible. I used to not have a car payment, and I loved it. That's not the case right now, but I can't wait to go back to having paid...

FMOOD 0062: Take a Week off (From Spending!)

16 Feb 2017

Contributed by Lukas

It's time to take a week off... from spending! Mark the week off in your calendar, and plan your spending freeze. During this spending freeze, you won...

FMOOD 0061: How to Inspire Teamwork in Your Marriage

15 Feb 2017

Contributed by Lukas

"Teamwork is the ability to work together toward a common vision. The ability to direct individual accomplishments toward our organizational objective...

FMOOD 0060: An Easy Way to Save Money on Amazon.com

14 Feb 2017

Contributed by Lukas

Amazon.com is pretty amazing. It's a global retail leader, even in comparison with bricks and mortar stores, and there's a good reason for that. You c...

FMOOD 0059: Exercise Your Way out of Debt

13 Feb 2017

Contributed by Lukas

Exercising your way out of debt may sound a little strange, but stick with me on this one for a moment. When we decide to do something to improve our...

FMOOD 0058: Talk to Your Kids About Money

12 Feb 2017

Contributed by Lukas

Do you know that it's actually healthy to talk to your kids about money? Even at a younger age, it's a good habit to get into to show your children ho...

FMOOD 0057: All About Aldi

11 Feb 2017

Contributed by Lukas

Have you ever heard of a grocery store called Aldi? If you have one nearby you, you'll want to check them out if you haven't done so already. While th...

FMOOD 0056: Sell Everything!

10 Feb 2017

Contributed by Lukas

If you're like me, you likely have a bunch of stuff sitting around your house that you haven't touched or even thought about in years. It's time to go...

FMOOD 0055: What Are YOU Struggling With?

09 Feb 2017

Contributed by Lukas

I'm inviting you to join me on a little side project that I'm doing for this show. I want to help you with whatever it is that you are struggling with...

FMOOD 0054: Five Simple Steps to Getting out of Debt

08 Feb 2017

Contributed by Lukas

From personal experiences as well as from the experiences of others, I have compiled a list of five simple steps to help you to get out of debt. These...

FMOOD 0053: The Secret to Ending Marital Money Fights

07 Feb 2017

Contributed by Lukas

Money arguments and money fights between spouses can be debilitating and frustrating in a marriage. There's a reason why money fights are in the top f...

FMOOD 0052: Protect Your Enthusiasm

06 Feb 2017

Contributed by Lukas

When you are focused on an important goal, sometimes those who are closest to you tend to say negative things that have the potential to suck the ent...

FMOOD 0051: Spend Time with Your Budget

05 Feb 2017

Contributed by Lukas

Completing your budget for the month feels good. It's a big check off of our to-do list, but our work is not finished quite yet.   Our budgets are us...

FMOOD 0050: Should You Cut the Cord?

04 Feb 2017

Contributed by Lukas

Do you currently have cable or satellite services? How much would you save per month if you didn't have this subscription? Is it time for you to serio...

FMOOD 0049: Tips for Buying Your Next Vehicle

03 Feb 2017

Contributed by Lukas

If you're in the market for your next vehicle purchase, you'll want to listen to this episode first before you head off to the dealership. I've purcha...

FMOOD 0048: Pay off Debt or Save for Retirement?

02 Feb 2017

Contributed by Lukas

It's a question that will come up at some point along your journey towards getting out of debt: do you continue saving for retirement (or start savin...

FMOOD 0047: Uncommon Ways to Save Money

01 Feb 2017

Contributed by Lukas

Today I'm going to be talking about some of the uncommon ways for us to save some money every month. These methods are mostly considered uncommon beca...

FMOOD 0046: The 1% Improvement Plan

31 Jan 2017

Contributed by Lukas

What would happen if you set out to improve yourself in various areas of your life by one percent per day? It may not sound like much, but if you focu...

FMOOD 0045: Quit Cheating Yourself!

30 Jan 2017

Contributed by Lukas

Whether we are consciously aware of it or not, we tend to cheat ourselves sometimes. We do this by not questioning whether or not there may be better...

FMOOD 0044: Vehicle Maintenance Tips

29 Jan 2017

Contributed by Lukas

What is the best way for us to save some money on what is typically an otherwise expensive line item in our budget? The answer is properly maintaining...

FMOOD 0043: Taking Care of Medical Bills

28 Jan 2017

Contributed by Lukas

Medical bills and the associated entities that we owe money to are probably the most friendly of the folks that we'll have to deal with if we need to ...

FMOOD 0042: Unexpected Expenses

27 Jan 2017

Contributed by Lukas

How do you handle unexpected expenses? Do you allow them to shred your budget into pieces, or do you mindfully handle the situation to ensure that the...

FMOOD 0041: Start Your Own Mastermind

26 Jan 2017

Contributed by Lukas

Have you ever heard of a mastermind group before? If not, you may want to listen to this episode to learn more, then consider forming your own master...

FMOOD 0040: How to Declutter Your Home

25 Jan 2017

Contributed by Lukas

Do you have a lot of stuff in your home that has slowly accumulated over the years? I'd like to take some time to tell you what my wife and I have bee...

FMOOD 0039: The Tax Refund Myth

24 Jan 2017

Contributed by Lukas

It's that time of the year again. It's tax time, and 75% of us can expect a tax refund from the government. On average, the typical tax refund is a li...

FMOOD 0038: The Sinking Fund

23 Jan 2017

Contributed by Lukas

Today I'm going to be talking about the sinking fund. I'll talk about what it is and how we can use it to better our budgeting processes. If a sinking...

FMOOD 0037: I Can't Save $1,000!

22 Jan 2017

Contributed by Lukas

Sometimes the first $1,000 is the hardest part. If you're having difficulties saving that initial $1,000 for your starter emergency fund, you're in th...

FMOOD 0036: The Envelope System

21 Jan 2017

Contributed by Lukas

Have you heard about the envelope system? If not, this episode will explain the system in detail along with some tips on implementing the envelope sys...

FMOOD 0035: A Trick That No Longer Works

20 Jan 2017

Contributed by Lukas

Remember the days when you could call your credit card company and negotiate a lower APR by suggesting that you would move the balance to a competing ...

FMOOD 0034: The Top 5 Reasons to Get out of Debt

19 Jan 2017

Contributed by Lukas

While there are plenty of reasons to get out of debt, I've condensed them down into a top-five list that I'd like to share with you today. In additio...

FMOOD 0033: Work from Home

18 Jan 2017

Contributed by Lukas

There are tons of work from home opportunities out there if you do a search using your favorite search engine. Be aware. Not all of them are legitimat...

FMOOD 0032: Starting over (Again)

17 Jan 2017

Contributed by Lukas

We don't always get it right the first time (myself included). If you tried at one time to get out of debt but failed at doing so, you're not alone. I...

FMOOD 0031: Attitude of Gratitude

16 Jan 2017

Contributed by Lukas

Yes, it may be a trite expression, but an attitude of gratitude is important. When we have this attitude, we find ourselves to be more thankful for wh...

FMOOD 0030: The Fallacy of Multitasking

15 Jan 2017

Contributed by Lukas

Are you a multitasker? You might think that you are, but the truth of the matter is (at least in my opinion), we can only truly focus on one thing at ...

FMOOD 0029: Keep Going! You Can Do It!

14 Jan 2017

Contributed by Lukas

Sometimes we just want to give up. It seems like we're going to be on this journey to get out of debt for a really long time. While that may be the re...

FMOOD 0028: Doing Some Housecleaning!

13 Jan 2017

Contributed by Lukas

It's time to do some housecleaning!   Do you have a gym membership but rarely make it to the gym? Do you pay for magazines that sit on the coffee tab...

FMOOD 0027: The Credit Card Danger Zones

12 Jan 2017

Contributed by Lukas

While credit cards are not necessarily dangerous by themselves, we may find ourselves in what I call the credit card danger zones. We need to be aware...

FMOOD 0026: No Lottery, No Gambling

11 Jan 2017

Contributed by Lukas

Do you see playing the lottery and gambling at a casino as one in the same? If you don't, you may be fooling yourself. Gambling is gambling is gamblin...