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Living In Financial Excellence Episode 16: Saying “No” so later you can say “Yes” July 14, 2010.
Janelle returns to the studio to talk about how we’ve sacrificed over the years in order to win with money. It all starts with one liberating word: “NO.” But in our society, you’re not allowed to say no to anything. We disagree, and we share in today’s show the things we’ve learned to say no to.
Show notes:
- Mailbag – Lisa asks how to budget for those “Magic Months” when you get an extra paycheck. Bill asks a similar question about how to budget when you get paid weekly.
- It’s hard to avoid bank offers for more debt but it can be done and we’re living proof!
- It’s a little taboo these days, but you can (and should) say no to your kids every once in a while instead of letting their wants dictate your spending and ruin your budget. read more
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I’ll be the first one to say that debt is no laughing matter but this is pretty funny.? Comedian Tim Clue relays what all too many of us are going through with our debt.
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Only 32% of Americans would be able to cover a $5,000 emergency with cash without going into debt for it.
Find more fun facts and statistics about money at financialexcellence.net

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Episode 11: Things Americans are learning to live without, June 9, 2010.
Lessons learned from the “Great Recession” as it’s being called – what the economic downturn has taught people across America. Most specifically, what people are learning to live without now that the recession has given us all a wake up call.
Show notes:
- Matt references two articles on the show by author Rick Newman published on US News.com entitled How to Gauge your Middle Class Status and? 21 Things We’re Learning to Live Without.
- Financial Peace University is coming June 15th to Sheboygan. Visit www.oursaviorssheboygan.com under the Financial Peace tab for more details. read more
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Financial Guru Dave Ramsey talking about how to win with your money. An inspirational video on ABC showing Dave following up with a small group of families one year after giving them a financial makeover. The trick? You have to first be honest with yourself and admit you need help. Next, you have to [...]

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Episode 9: How to have debt free vacations, May 26, 2010.
We recorded this week’s episode on location at one of our favorite campsites to talk about debt free vacations while we were enjoying our own debt free vacation! How cool is that? We had a blast with this show. If you listen closely you can hear the birds chirping in the background, although we were hoping the ambient sounds would have come through a little better. We still had a blast recording the show and we hope you enjoy it! read more
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Financial Peace University is coming to Sheboygan!
We are proud to announce that Our Savior?s Lutheran Church in Sheboygan, WI is once again hosting Financial Peace University, beginning Tuesday, June 15th at 6:30 p.m.
What is Financial Peace University? FPU is the most important step to changing your financial future. It is your Total [...]
This 60 minutes video highlights an alarming trend of people walking away from their mortgages, even though they can still afford to make the payments. Their logic is that the house has lost value and they are upside down on it so they need to just let it go. How messed up is [...]
Myth: It’s smart to use your credit card if you pay off your balance each month. Truth: Even if you pay them off each month, credit cards are costing you more in the long run. [...]
There are two credit cards for every person in the U.S.
Find more fun facts and statistics about money at www.financialexcellence.net.