Reduce Debt Increase Wealth

Know Budget Cateories Percentages

13 Nov 2022

Contributed by Lukas

Send us a textHow much of net income should be use by each category monthly. Knowing these percentages will help in getting debt reduced and savings i...

Setting Goals

06 Nov 2022

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Send us a textWhy is setting goals important when trying to reduce debt. Once realized that debt has become a problem setting goals to reduce debt is ...

Getting Started Reducing Debt

30 Oct 2022

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Send us a textDebt can be overwhelmingly difficult to reduce. What is the first steps in getting debt under control. First to identify what cause this...

All Things Considered

23 Oct 2022

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Send us a textThere is more to personal finance than reducing debt. While reducing debt is the biggest problem it not the only item that is needed in ...

No Savings for Retirement

16 Oct 2022

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Send us a textWhat to do when have little or no retirement savings. First this must be identified early so that changes can be made. More than half of...

Debt Management Plan

09 Oct 2022

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Send us a textDebt management is a must for everyone, to keep credit cards under control. Debt reduction is a must in this time of inflation to stay o...

Budget Control Center

02 Oct 2022

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Send us a textBudget is the control center of personal finances. Without a budget it is impossible to determine the success of goals or determine how ...

Tracking Finances

25 Sep 2022

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Send us a textTracking personal finances needs done on a weekly basis. Many do not keep track of anything and get behind on paying bills and do not kn...

Starting a Business

18 Sep 2022

Contributed by Lukas

Send us a textStarting a business to build wealth sometimes works but has risk and many fail. The best way to get started in a business is to have a p...

Debt Payoff Calculator

11 Sep 2022

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Send us a textFound a payoff calculator that can be used to estimate the time needed to pay off debt using my plan. Remember the one-time payment bein...

Inflation Proof Budget

04 Sep 2022

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Send us a textWith inflation on the rise with no end in sight now the time to start reducing debt, and spending. It sounds easy to do but many struggl...

How to build emergency fund

28 Aug 2022

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Send us a textIncreasing the savings account or emergency fund is important in debt reduction. How do you know when and how much to transfer into savi...

Understanding Debt Reduction

21 Aug 2022

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Send us a textDebt reduction can be a daunting task, overwhelmed and not sure how to start. Get paper and pen out, get ready to list the steps needed ...

Benefits of Retirement Savings

14 Aug 2022

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Send us a textHaving to work past retirement because cannot pay the everyday needs is not an option. Taking care of needs is necessary so saving for r...

Reminders For Personal Finance

07 Aug 2022

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Send us a textWhat to do when getting debt reduced, many may not know what to do with the money. Do not do wasteful spending but instead set up for su...

Manage Debt

31 Jul 2022

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Send us a text Overwhelmed with debt can cause problems, many problems. Taking control of money and getting the debt under control will help everythi...

Budgeting Categories

24 Jul 2022

Contributed by Lukas

Send us a textIn a perfect world these would be determined before buying or renting a place to live. This is not possible in most cases what should be...

Benefits of Tracking Expenses

17 Jul 2022

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Send us a textWhat is tracking expenses and how will this help in getting a budget under control. This is the easiest way to setup a budget and to mai...

Benefits of Budgeting

10 Jul 2022

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Send us a textPeople do not like thinking about making and maintaining a budget. The B word is almost like a bad word to most, but the benefits out we...

Inflation

03 Jul 2022

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Send us a textWhat causes inflation and how to reduce the effects of inflation on personal budget. Knowing the causes of inflation will help in dealin...

How to Save Money

26 Jun 2022

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Send us a textHow to reduce the spending and save more money to reduce debt or increase savings. First must identify that there is a spending problem....

Credit

19 Jun 2022

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Send us a textWhat the difference between credit and debt, then how does each affect your financial life. Debt can be good and bad, but all credit mus...

Financial Freedom

12 Jun 2022

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Send us a text Still working on getting credit cards debt reduced. Now the time to start tracking net worth. This will help in determining the progre...

Saving Vs Investing

05 Jun 2022

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Send us a textHaving an emergency fund is essential in keeping on track with any goals and plans. Increasing the emergency fund is important as the de...

Debt Reduction

29 May 2022

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Send us a textHow to get started in reducing debt no matter what type of debt. Credit cards, student loans, Line of Credit, personal loans, and payday...

Budgeting

22 May 2022

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Send us a textHow to budget, the basics using the tracking software to get reports and grouping.  How to reduce overall spending on items. Review the...

Spending Tracking

15 May 2022

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Send us a textWhy tracking is important both to know how much debt is owe, and when due.  Tracking checking, credit cards, savings knowing what is du...

Retirement Planning

08 May 2022

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Send us a textWhy plan for retirement social security will be enough to live on, I hope. Don’t plan on having someone else to take care of you, plan...

Financial Planning

01 May 2022

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Send us a textTake the time to look ahead in life, then plan for whatever is coming. This is what most people fail to do, failing to plan is planning ...

Pawn Shop

24 Apr 2022

Contributed by Lukas

Send us a textIs it a good place to get a loan, it depends on what the use of the loan is going to be. Be careful and know the interest rates and all ...

Living Paycheck to Paycheck

17 Apr 2022

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Send us a textFeeling overwhelmed with bills, it seems there never enough money to pay all. How to get out of this cycle and have money to save. The f...

Debt Management Plan

10 Apr 2022

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Send us a textWhat is a debt management plan, is it the same as a debt reduction plan what is the difference between these plans.  Should a debt mana...

Credit Card Debt Consolidation

03 Apr 2022

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Send us a textBefore getting a debt consolidation loan the first thing to do is to have a debt reduction plan. This way getting that loan will be easi...

How to Budget

27 Mar 2022

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Send us a textThis is a quick and easy way to get started with a budget. Knowing categories and the percentages of each is key in keeping a successful...

Tax Refund

20 Mar 2022

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Send us a textHow to use your tax refund to reduce your debt. Many people think by using tax refunds to pay down debt is the best thing to do. This ma...

Paying off Credit Card Debt

13 Mar 2022

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Send us a textBye now the Christmas spending is showing up on credit card statements. Now the time to start planning to avoid the same debt problems n...

Percentage of Americans living paycheck to paycheck

06 Mar 2022

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Send us a textMany Americans are living paycheck to paycheck don’t feel alone. This is a common problem among middle income and high earners making ...

F I R E Retire

27 Feb 2022

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Send us a textRetirement is not an age but should be when finances allow retirement to happen. Retire early is only limited to income, debt owed, and ...

Personal Finance

20 Feb 2022

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Send us a textWhat is personal finance, it more than paying off debt or creating a budget. It is planning, managing money as well as savings and inves...

Wealth

13 Feb 2022

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Send us a textGetting debt under control is the first step in building wealth. It takes more than getting out of personal debt. Building wealth takes ...

Financial Plan

06 Feb 2022

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Send us a textThe final process is to create a financial plan. Getting here has been a lot of work tracking income and expenses, creating a budget, ge...

Debt Reduction Plan

30 Jan 2022

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Send us a textStarted tracking expenses and income, setup a budget now knows where the money is going, the next step is a debt reduction plan. This is...

Personal Budget Template

23 Jan 2022

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Send us a textNew year maybe good time to setup a new budget. Already have budget good time to review and make changes to reflect the changes in life....

Tracking Expenses

16 Jan 2022

Contributed by Lukas

Send us a textWhat is tracking and how does this work with a budget. First a budget only shows what you should be spending. Without tracking how would...

How to stop using Credit Cards

09 Jan 2022

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Send us a textUnable to pay off credit card balance every month a problem is developing. To solve this problem stop using credit cards to made purchas...

How to Build Credit

02 Jan 2022

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Send us a textBuilding credit is important for everyone. Having a bad credit score will hurt the chances of getting a loan, and even increase cost of ...

When and How to Debt Consolidate

26 Dec 2021

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Send us a textDebt consolidation may be a good idea, can you get the loan with lower interest rate. Is your credit rating improving or getting worse s...

Relief From Credit Card Debt

19 Dec 2021

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Send us a textCompanies offer you relief from credit card debt if it sounds to good to be true then beware. What to know before doing anything. Do it ...

How to Budget for Inflation

12 Dec 2021

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Send us a textWhat can be done to lessen the impact of inflation on household budgets. What is inflation and how to tell if it is affecting your budge...

Review Debt Reduction

05 Dec 2021

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Send us a textHaving some type of debt reduction plan is a must to get rid of credit card debt. There are things to do to help and things to avoid at ...

Financial Plan Reviewed

28 Nov 2021

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Send us a textPlanning is an ongoing process that must be review and updated every year. It only takes a few minutes to do this but is important as th...

Plan Ahead Using A Budget

21 Nov 2021

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Send us a textOnce the budget is set and perfected than it can be used to plan for a new loan, retirement, investing or saving for that new home, wedd...

Line of Credit

14 Nov 2021

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Send us a textShould you use a Home Equity line of credit HELOC what are the benefits and disadvantages. Maybe an Equity loan is a better way to impro...

Retire Early

07 Nov 2021

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Send us a textThe FIRE movement is strong with the younger generation wanting to retire early. Maybe at age 35 to 40 is this possible and how is it do...

Saving for a House

31 Oct 2021

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Send us a textWhat to buy that first home or move up into another home? The first thing you need to do is save up a down payment. But that still not e...

Is Credit Good

24 Oct 2021

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Send us a textHaving credit is good but having too much debt can be bad. How to manage credit so you do not have to manage debt.   Article Links: h...

Investing in Stocks

17 Oct 2021

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Send us a textHow to increase your net worth, investing into stock for the long term is one way. The other is to reduce your debt. Doing both at the s...

Budget Categories

10 Oct 2021

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Send us a textWhat are budget categories, and the percentages should be when determining how much to spend. MisterChuck goes over this information and...

Debt Reduction

03 Oct 2021

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Send us a textWhat does it take to reduce debt? MisterChuck goes over the method to get debt under control and over time get out of debt.Articles Link...

Debt Relief Programs

26 Sep 2021

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Send us a textHow to avoid using debt relief programs and determine what was the cause of getting too much debt. Before using any debt relief program ...

Holiday Budget

19 Sep 2021

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Send us a textChristmas is not far off, now the time to set aside money for your Christmas shopping. Article Links: https://www.moneycrashers.com/cr...

Job Interview Questions

12 Sep 2021

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Send us a textWhen your income is too low the need for a new job is required. What are the job interview questions and how to handle is covered in the...

Investing in stock market

05 Sep 2021

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Send us a textWhat to know before investing in the stock market, the basics that are important. 1.Assets Classes2.DiversificationArticle Links:https:...

Habits

29 Aug 2021

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Send us a textSpending habits some are good, but most are bad. Mister Chuck discuss this topic and how to break these bad habits.A. Good HabitsB. Avoi...

Budget self-employed

22 Aug 2021

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Send us a textIf you are self-employed or thinking about starting your own business here how you should do a budget. Included are the percentages for ...

Personal Finance

15 Aug 2021

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Send us a textWhat is personal finance? Why personal finance is important, and how does it affect everyone's  life. This episode Mister Chuck go...

Budgeting Tips

08 Aug 2021

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Send us a textBudgeting is not all that hard; it is easy after understanding the basic concept. It is a plan for your money nothing else. Failing to p...

Debt Reduction Service

01 Aug 2021

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Send us a textA plan is needed to reduce debt. No matter how much is owed or the number of credit cards or loans. A plan will help organize all debt a...

Financial Plan

25 Jul 2021

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Send us a textA simple approach to getting a financial plan in place. Financial plan will help track goals, set spending limits and get an emergency f...

Bankruptcy

18 Jul 2021

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Send us a textTypes of bankruptcy and what the requirements may be to file and get bankruptcy relief. Note I am not an attorney, and this is not legal...

Taxes

11 Jul 2021

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Send us a textBefore you can start tax planning, knowing about taxes is a must. Mister Chuck go through an Individual tax return breaking down each pa...

Plan to Retire

04 Jul 2021

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Send us a textTwo questions to ask yourself, how long will my retirement savings last? How much will be lost to Income Taxes? Article Links:https://w...

Start A Business

27 Jun 2021

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Send us a textOnce your debt has been paid off, the need to make money work becomes important. One way is to start a business or invest in a business ...

Spending

20 Jun 2021

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Send us a textHow to reduce your spending. Get spending under control is the most important thing to do when reducing debt. First make a Financial Pla...

Type of Expenses

13 Jun 2021

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Send us a textWhat are types of expense that should be in a budget? Mister Chuck explain the types and the categories in making a simple budget.Articl...

Pay off credit card debt?

06 Jun 2021

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Send us a textMister Chuck helps a friend pay down and then pay off all their credit cards debt. How to get started, what to do every month and the im...

Prepaid Debit Cards

30 May 2021

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Send us a textShould you use a prepaid card, what are the fees and advantages. Prepaid cards better than a checking account with debt card.? Mister Ch...

Borrow Money

23 May 2021

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Send us a textNeed to borrow money, not sure where to go, or how. Misterchuck explains what to do and consider before borrowing any money.Article Link...

Student Loan Debt

16 May 2021

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Send us a textDifference between Federal and Private Student loans. Who can get loan forgiveness though the Federal Government? What you need to do an...

Investing Principles

09 May 2021

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Send us a textGetting started in investing, when to start, how to get started. What you need to do and know before starting to invest in the market. I...

How to Pay off Credit Card Debt

02 May 2021

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Send us a textGet out of credit card debt, is it a sprint or marathon. Misterchuck describes his method of getting out of debt in detail. 1.What to d...

Extreme Cost Cutting

25 Apr 2021

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Send us a textThinking about getting started with the Fire Movement, here are extreme ways to cut your spending. The whole family must do all of these...

FIRE Movement

18 Apr 2021

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Send us a textWhat is the FIRE Movement and is it for you?  Should you try to retire early, then what will you do with no purpose in life.1 What is F...

Increase Pay or Side Hustle

11 Apr 2021

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Send us a textWorking for a pay increase at work or start a side hustle which is best option. Mister Chuck look into both of and discuss the advantage...

Why budgeting is Important

04 Apr 2021

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Send us a textMister Chuck answers this question, also reviews different types of budgets. 1.Types of Budgets2.Mister Chucks battle with budgets3.Imp...

Cash Or Plastic, Which to Use?

28 Mar 2021

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Send us a textShould You use cash or plastic to buy things like gasoline, groceries, meals when out and about. Mister Chuck will discuss this option,1...

Real Estates Investing

21 Mar 2021

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Send us a textLocation and valuation how to pick a location and what is the value of the property. You need to be able to determine both of these befo...

Increase Emergency Fund

14 Mar 2021

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Send us a textOnce you have the budget, and debt reduction plan in place it’s time to increase the emergency fund. Increase or getting one started i...

Keep It Going

07 Mar 2021

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Send us a textYear two in doing this podcast Mister Chuck reviews what he has done in the first year. Then review everything that you need to do to ac...

Debt Reduction Plan

28 Feb 2021

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Send us a textMister Chuck giving his debt reduction plan made simple. This is a simple plan to follow and to achieve your financial goals no matter h...

Financial Plan made Simple

21 Feb 2021

Contributed by Lukas

Send us a textEverything start with a plan, saving for retirement, reducing debt, buying a home. Without a plan nothing will get completed on time or ...

Breaking Bad Spending Habits

14 Feb 2021

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Send us a textMister Chuck discuss how to break bad spending habits. Identity what you are doing that is creating more debt and how to break that spen...

Pay YourSelf First

07 Feb 2021

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Send us a textFinish with Christmas debt saving tips. Pay yourself first reason why to do this, then how to achieve on a regular basis. Setting up bud...

Christmas Credit Cards

31 Jan 2021

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Send us a textHow much did you spend for Christmas was place on a credit card? Do you expect to pay this off in one month or longer? Want to avoid thi...

Finance Software Review

30 Jan 2021

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Send us a textContabout 15-day free trial review the program. I had no problems learning and using this program. Easy to use! Easy to figure out! A gr...

10 Steps to Buying a Home

24 Jan 2021

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Send us a textMister Chuck goes over what to expect when buying your first home. What to do first when getting started.  From looking for a home, to ...

Investing Keeping It Simple

17 Jan 2021

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Send us a textMr. Chuck follows up on last episode with more information to help the new investors. Before getting started review why budget apps can ...

Investing {for millennials}

10 Jan 2021

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Send us a textGetting started can be a hard decision as you save the money and really do not want to lose any. You may know some basic investing such ...

Increase Savings

03 Jan 2021

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Send us a textHave you setup a budget using an app, but it still does not help you save more money. Mr. Chuck discuss why budgeting apps don’t work,...

Budgeting

27 Dec 2020

Contributed by Lukas

Send us a textWhat are the budgeting benefits and is it worth the time and effort to setup a budget? Below are some links to worksheets to help you ge...