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What 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 Fire. 2 Should you try to achieve Fire. 3 Is this something that can be achieve for your lifestyle. 4 Why not to completely retire early. Article Links: https://www.moneyunder30.com/the-fire-movement By Lance Cothern…
 
Working for a pay increase at work or start a side hustle which is best option. Mister Chuck look into both of and discuss the advantages of both. 1.Asking for Raise at Work? 2.Starting a Side Hustle Article Links: https://www.thebalancecareers.com/how-often-should-you-ask-for-a-raise-2062775 By ALISON DOYLE https://thecollegeinvestor.com/14608/mak…
 
Mister Chuck answers this question, also reviews different types of budgets. 1.Types of Budgets 2.Mister Chucks battle with budgets 3.Importance Article Links: https://www.thebalance.com/how-many-budgeting-techniques-can-you-choose-from-453627 BY PAULA PANT https://www.thebalance.com/reasons-to-budget-money-2385699 BY MIRIAM CALDWELL Quote: Opportu…
 
Should You use cash or plastic to buy things like gasoline, groceries, meals when out and about. Mister Chuck will discuss this option, 1.Pay with Cash or Plastic 2.Review Envelope Budgeting method 3.Tips to protect from theft. Article Links: Cash vs. credit cards: How either option can help you save money (acorns.com) By Shawn M. Carter How to Use…
 
Location 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 before purchasing a home or rental. 1.Location 2.Determine Value Article Links: https://www.investopedia.com/financial-edge/0410/the-5-factors-of-a-good-location.aspx By Tara Struyk https://www.lendinghome.com/blog/pro…
 
Once you have the budget, and debt reduction plan in place it’s time to increase the emergency fund. Increase or getting one started is step one to financial freedom. Article Links: https://www.foolproofme.org/articles/332-strategies-for-saving-more , By Remark Sutton Support the show (https://secure.countabout.com/Referral#a_aid=60140c0bc4ca0) Cou…
 
Year 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 achieve financial freedom. 1.Review first year podcasting experience 2.What is Financial Freedom 3.Keep it going Article Link: https://www.chicagotribune.com/business/ct-richest-people-in-the-world-20160121-story.htm…
 
Mister Chuck giving his debt reduction plan made simple. This is a simple plan to follow and to achieve your financial goals no matter how much you earn. Articles Links: https://www.moneyunder30.com/no-more-budgets Written byDavid Weliver pdf-1020-make-budget-worksheet_form.pdf Support the show (https://secure.countabout.com/Referral#a_aid=60140c0b…
 
Everything start with a plan, saving for retirement, reducing debt, buying a home. Without a plan nothing will get completed on time or in the correct order. Mister Chuck will explain. https://www.clevergirlfinance.com/blog/ten-steps-to-creating-a-solid-financial-plan/ https://www.wikihow.com/Write-a-Personal-Financial-Plan Support the show (https:…
 
Mister Chuck discuss how to break bad spending habits. Identity what you are doing that is creating more debt and how to break that spending. Article Links: https://www.loanme.com/blog/the-seven-worst-bad-spending-habits-and-how-to-break-them By Ricky Baizas https://www.everydollar.com/blog/create-better-spending-habits Support the show (https://se…
 
Finish with Christmas debt saving tips. Pay yourself first reason why to do this, then how to achieve on a regular basis. Setting up budget is easy, consider the reverse budgeting is the way to get started paying yourself first. ARTICLES LINKS: https://www.investopedia.com/ask/answers/12/pay-yourself.asp By AARON LEVITT https://www.nerdwallet.com/b…
 
How 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 this same problem next year now is the time to plan and solve this yearly problem. 1 How long does it take to pay off 2 How to pay off faster 3 Plan for next year Article Links: https://www.marketwatch.com/story/heres…
 
Mister Chuck goes over what to expect when buying your first home. What to do first when getting started. From looking for a home, to making an offer to the closing. 1. Intro 2. Review the process of buying a home 3. Summary Articles Links: https://www.zillow.com/home-buying-guide/10-steps-to-buying-a-home/ https://www.discover.com/home-loans/artic…
 
Mr. Chuck follows up on last episode with more information to help the new investors. Before getting started review why budget apps can help those with bad spending habits. What are the different market segments an overview nothing to deep. Articles Links: https://awealthofcommonsense.com/2013/02/keep-investing-simple/ By Ben Carlson https://awealt…
 
Getting 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 as stocks, bonds, CD’s, money markets but not sure what to do or how to get started. Mister Chuck go over this to help you with investing where to start. Articles Links: https://www.annuity.org/financial-literacy/i…
 
Have 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, then give you way to increase your savings. 1 Budgeting Apps not working 2 How to fix apps if that don’t work 3 Increase Savings 4 Overspending Articles Links: https://blog.qubemoney.com/5-reasons-budgeting-apps-don…
 
What 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 get started with setting up a budget. Mr. Chuck discuss these benefits and expands on why budget can help reduce debt, or increase investments. Article Links: https://moneyandmountains.com/benefits-of-budgeting/ by K…
 
Personal Finance is based on knowing your numbers. What number should you always know and why. Mister Chuck look into these numbers to give you the information so you know your happy numbers. 1. Net Income 2. Monthly Expenses 3. Debt Interest Rates & Amount 4. Savings Interest Rates (also Rate of savings) 5. Net Worth 6. Years to Retirement Article…
 
Mortgage calculator is used to see how much interest can be saved by making extra payment. But credit card debt is reduce by making larger payment, Debt consolidation, or going to debt consulting are the common ways to reduce your debt. But one thing is missing Mister Chuck explain how to avoid these common ways and still get out of debt. Does payi…
 
A overview on how to get started investing. What you should be doing in the investing world, make your money work for you. Then what does it take to become a above average investor. Using Robo Advisor maybe the easy way to get started. Article link: https://millennialmoney.com/start-investing/ By GRANT SABATIER https://www.motilaloswalmf.com/knowle…
 
We make mistakes in personal finances. Here are some of those mistakes and how to solve this problem. Mister Chuck talks about these and just knowing about these mistakes can help your finances. There are 22 Mistakes listed in this article and I cover them all. Article Links: https://www.listenmoneymatters.com/financial-mistakes/ By Candice Elliott…
 
Mister Chuck discuss should you do a cash out refinance or get a Line of credit. First does this fit into your debt reduction plan and should this be done. 1 What is your debt reduction plan 2 How will cash out refinance fit into this plan 3 Have you used the 30 Day rule 4 What are the costs and how much could you cash would you get 5 How are you u…
 
Mister Chuck discuss changing your financial lifestyle to improve your credit score and get out of debt. Apply 60 simple rules of Personal Finance. 1 Why improve credit score 2 How improve credit score Article Links: https://www.myknowledgebroker.com/blog/personal-insurance/how-to-raise-your-credit-score-by-100-points-in-45-days/ Posted by Steph Sc…
 
Mister Chuck explores this ratio debt to Income plus other things to know about using this to your advantage. 1 What it is and what is means 2 How to compute this ratio 3 Why is good to Know and Who uses Ratio Article Links: https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791 …
 
Mister Chuck covers the warning signs of possible scammers concerning debt settlements providers. Then covers the basics of how to set up a budget and discussed if this is a process that any do it yourself can do to save the fees of debt reduction services. 1. Warning Signs 2. Don’t do these things 3. Can you do it yourself before using a service A…
 
What is net worth and why it important. Mister Chuck explain and why important to keep track of once a year. Also covers tax planning and Estate planning in this episode everyone needs to have a knowledge on these topics even at a young age. 1 Net Worth 2 Tax Planning 3 Estate Planning Article Links: https://www.thesimpledollar.com/financial-wellne…
 
Rule #1 Spend less than you earn seems a simple rule but that really does that mean. How do you achieve this habit? There are times maybe it not appropriate to follow. Mister chuck discuss this rule in detail. What is financial distress and how to recognize when you are becoming distress. Articles Links https://www.fca.org.uk/insight/understanding-…
 
Mister Chuck explores spreadsheets to use to help those trying to get out of debt. Finding what he believes is the best one to use, plus more. 1 Review past episodes 2 Why to use spreadsheets 3 Ones to use to help Articles Link: https://www.thebalance.com/free-debt-reduction-spreadsheets-1294284 BY SHELLEY ELMBLAD https://www.vertex42.com/Calculato…
 
Mister Chuck goes over rules that can help everyone with personal Finance. There are total of sixty rules the remaining 36 in this episode. Following just some of these rules can help everyone get a grip on their money and make life easier. Article Link: https://www.thesimpledollar.com/save-money/sixty-simple-rules-of-personal-finance/ By Trent Ham…
 
Mister Chuck goes over rules that can help everyone with personal Finance. There are total of sixty rules the first 24 this episode. Following just some of these rules can help everyone get a grip on their money and make life easier. Article Link: https://www.thesimpledollar.com/save-money/sixty-simple-rules-of-personal-finance/ By Trent Hamm Suppo…
 
Many struggle to save money, it not hard, Mister Chuck discuss how to get saving into your budget. 1. Reason not to save 2. Set Goals 3. Reach Goals Articles Links: https://www.thebalance.com/how-to-set-and-reach-savings-goals-2386115 By MIRIAM CALDWELL https://www.thebalance.com/overcome-excuses-and-save-money-4129534 By MATT REINER https://www.th…
 
Everyone needs insurance whether you want insurance or not some are required by lenders. Some types of insurance should be consider just in case something bad happens. 1. Insurance Required a. Auto b. Home 2. Needed Insurance a. Health b. Disability c. Life 3. Consider Insurance a. Renters b. Pet c. Travel Overview on reducing debt recap. Article l…
 
E: 25 Buying A house Mister Chuck talk first time home buyers what is needed before getting that first home. 1 Are you Ready 2 Shop for loan 3 Type of Loans 4 Down Payments 5 Real Estate Agent 6 Inspection & Escrow 7 Closing Article Links: https://www.thebalance.com/how-to-buy-your-first-home-2385826 By MIRIAM CALDWELL https://www.nerdwallet.com/ar…
 
Mister Chuck looks into the details of having a best buy credit card. Rewards vs deferred interest 1 Best Buy 2 Better Rewards or deferred interest 3 other retail store credit cards 4 Credit cards Stats 5 Review Debt Reduction Plan 6 My Debt reduction progress Articles Links https://wallethub.com/d/best-buy-credit-card-1449c/ By Citibank https://wa…
 
Misterchuck talk about getting started in investing in the stock market. Explains what is investing, what are investments, and when to start. What is investing What are Stocks, bonds, mutual funds, ETF, Understanding the process Use Financial planner Articles links: https://thecollegeinvestor.com/22975/investing-for-dummies/ By Robert Farrington ht…
 
Mister Chuck review the best budgeting apps to use today. Starting out this episode review the Personal Finance Plan and Reduce Debt Plans which both rely heavy on using a budget. So, what is the easy way to start a budget. 1. Personal finance Plan 2. Reduce Debt Plan 3. What to look for in budget app 4. Review different apps 5. Summery Articles Li…
 
Mister Chuck discuss getting a consolidation loan if you have bad credit. This episode explains what to do if your credit score is below average to get consolidation loan. 1. How to Improve Credit Score 2. What is Consolidation Loan 3. Where to find Consolidation loan 4. What to look out for Articles Link: https://www.bankrate.com/loans/debt-consol…
 
Mister Chuck discusses what is a 401 K Plan and who should be using this benefit. Then talks about Financial advisor or Planner who need this be using this service. 1. 401 K What it is. 2. Who offers this plan? 3. Who should be contributing? 4. Financial Advisor or Planner 5. Fees charged 6. Why it important to use this service Articles Link https:…
 
Mister Chuck reviews using a reverse mortgage in retirement. The question is should a reverse mortgage be included in your Personal Finance Plan. What is a reverse mortgage and how does a reverse mortgage work. Article Links: https://www.bankrate.com/mortgages/reverse-mortgage-guide/ By Holly D Johnson https://www.investopedia.com/mortgage/reverse-…
 
Mister Chuck help determine the percentages to use in setting budget. Food and clothing are the 3rd and 4th largest items we spend money on, so it is important to budget the proper amounts. Personal Finance is important so knowing how much to budget before spending is key. Article: https://theweek.com/articles/648521/how-much-money-should-budget-fo…
 
Mister Chuck exams how much you should be spending on Housing, and Transportation. This is key in getting your budget setup correctly. Personal Finance Plans are important in getting started as housing is 1st in amount paid and Transportation is 2nd in amount of your budget. https:/www.fool.com/millionacres/real-estate-basics/articles/how-much-my-i…
 
Mister Chuck review the causes of getting into too much debt. Then goes over the reason why it hard to dig yourself out. You need to create a Personal Finance Plan and stay the course. Articles Link: https://www.lifehack.org/articles/money/7-causes-people-get-into-debt.html By Anya Bennet https://www.thebalance.com/hard-to-pay-off-debt-960855 BY LA…
 
Mister Chuck discuss about the three accounts needed for Personal Finance. Then continues with what to know about credit cards. Credit cards for bad credit what you need to know about credit cards that may help. Articles Links: https://www.usatoday.com/story/money/personalfinance/2020/04/10/savings-accounts-checking-retirement-3-essential-places-fo…
 
Mister Chuck discuss can you go it alone in reducing your debt. Covers some management programs plus review his plan. To create your personal finance solutions, review the links below. Articles Link: https://www.incharge.org/debt-relief/debt-management/debt-management-program-template-debt-relief/ https://www.mydebtreliefplan.com/2017/09/avoidable-…
 
Mister Chuck goes into detail on how he does budgeting. It a simple and easy method so listen today and get your budget started. Articles: https://www.daveramsey.com/blog/the-truth-about-budgeting/ by Rachel Cruze #Personal Finance Basic #Financial Basic # Finance Basic # Stress # Debt #Wealth Support the show (https://secure.countabout.com/Referra…
 
Misterchuck Discusses planning ahead before claiming Social Security. Then talk about his Social Security related problems and how he solving them. Articles Link: https://www.fool.com/retirement/2020/03/12/5-social-security-tips-for-2020-and-beyond.aspx by Kelly Hagen #Personal Finance Basic #Financial Basic # Finance Basic # Stress # Debt #Wealth …
 
MisterChuck talks reasons to get out of debt, the benefits of doing so. Reasons to get out of Debt top 4 Reasons 1 More Free Income 2 Earlier Retirement 3 Less Risk 4 Better Credit Score Article: https://www.moneycrashers.com/reasons-get-out-debt/ By Amy Livingston at Money Crashers.com Listen today to find out all the reasons Support the show (htt…
 
MisterChuck talk about what to do with your saving once debt is reduced. Investing How Robo Investing MLM Real Estate Giving all the choice what to do with money you have, to invest or start a business in order to gain additional income. That is this weeks topic. Articles: 9 Thing to Know about Robo Advisors in US News.com by Wayne Dugan No Sponsor…
 
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