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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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This is a great video designed to teach kids the power of investing and calculating how quickly their money grows. Well done.
Living In Financial Excellence Episode 12: What bank accounts you really do need (and don’t need). June 16, 2010.

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I get asked a lot about how many checking or savings accounts we should really have and what each account is really for. Janelle and I answer those questions and more in today’s show. Don’t forget that the L.I.F.E. Ladder is the foundation for applying the information we discuss today. If you’re not following the L.I.F.E. Ladder, you may not want to listen to our advice.
Show notes:
- Our current economic situation and housing industry crisis is a repeat of history. This isn’t the first time it’s happened but we never seem to learn our lessons and avoid the mistakes of the past.
- The main accounts most of us have are personal checking and savings. We cover what types of expenses should be paid from each account. read more
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Kids learn from watching you. Are you teaching them smart money habits? [...]