https://www.blogtalkradio.com/financiallifeguardChristine Luken is your Financial Lifeguard on Duty! Whether you feel like you're drowning financially or just treading water, this show is for you.enBlogTalkRadio.com. All Rights Reserved.Wed, 13 Nov 2019 17:00:00 GMTFri, 27 Jul 2018 19:30:00 GMTFinanceBlogTalkRadio Feed v2.0https://dasg7xwmldix6.cloudfront.net/hostpics/bfed4c93-3b6e-4e64-ad10-9004cba98380_800a.jpghttps://www.blogtalkradio.com/financiallifeguardChristine Luken is your Financial Lifeguard on Duty! Whether you feel like you're drowning financially or just treading water, this show is for you.feeds@blogtalkradio.comBlogTalkRadio.comfinance,budget,personal finance,money,college,credit cards,credit score,debt,goal setting,kidsFinancial Lifeguard on DutynoChristine Luken is your Financial Lifeguard on Duty! Whether you feel like you're drowning financially or just treading water, this show is for you.episodichttps://www.blogtalkradio.com/financiallifeguard/2018/07/27/self-care-is-good-for-your-well-being-your-walletFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/07/27/self-care-is-good-for-your-well-being-your-wallet/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/07/27/self-care-is-good-for-your-well-being-your-walletFri, 27 Jul 2018 19:30:00 GMTSelf Care is Good for Your Well-being & Your WalletInvesting in your physical, mental, and emotional health is good for your well-being now and it's good for your wallet in the long run! Our guest on this episode is Dr. Bernadette Anderson. Dr. Anderson is a board certified family medicine physician in Columbus, Ohio who specializes in wellness and lifestyle transitions. 00:28:00Financial Lifeguard on DutynoWellness,well-being,doctor,Self CareInvesting in your physical, mental, and emotional health is good for your well-being now and is good for your wallet in the long run!9b71f081-73aa-4b60-b17c-6c9d6842814b19fullhttps://www.blogtalkradio.com/financiallifeguard/2018/07/12/teaching-your-kids-about-money-with-the-bank-of-mom-dadFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/07/12/teaching-your-kids-about-money-with-the-bank-of-mom-dad/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/07/12/teaching-your-kids-about-money-with-the-bank-of-mom-dadThu, 12 Jul 2018 19:30:00 GMTTeaching Your Kids About Money with the Bank of Mom & DadFinancial planner and author, James Lenhoff, talks about his unique approach to teaching kids about money, "The Bank of Mom & Dad." It's probably not what you think!   James explains exactly how parents can use the Bank of Mom & Dad concept to teach their kids how to handle money wisely. In addition he discusses credit cards, buyers remorse, and allowing your kids to fail when the price tag is small. He also answers the question: Is it too late for my kid? 00:30:00Financial Lifeguard on Dutynokids and moneyFinancial planner and author, James Lenhoff, talks about his unique approach to teaching kids about money, "The Bank of Mom & Dad." It's probably not what you t20108c46-c96f-4ad1-ba73-a0da613373f718fullhttps://www.blogtalkradio.com/financiallifeguard/2018/06/07/how-i-paid-off-my-student-loans-in-less-than-3-yearsFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/06/07/how-i-paid-off-my-student-loans-in-less-than-3-years/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/06/07/how-i-paid-off-my-student-loans-in-less-than-3-yearsThu, 07 Jun 2018 19:30:00 GMTHow I Paid Off My Student Loans in Less Than 3 YearsSpecial guest and author Angela Ozar tells us how she paid off her student loans in less than 3 years - and how you can too. 00:30:00Financial Lifeguard on Dutynostudent loans,Debt ConsolidationSpecial guest and author Angela Ozar tells us how she paid off her student loans in less than 3 years - and how you can too.f5fead10-142b-4454-99b0-eb0cda82bece17fullhttps://www.blogtalkradio.com/financiallifeguard/2018/05/17/winning-financially-in-your-direct-sales-or-network-marketing-businessFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/05/17/winning-financially-in-your-direct-sales-or-network-marketing-business/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/05/17/winning-financially-in-your-direct-sales-or-network-marketing-businessThu, 17 May 2018 19:30:00 GMTWinning Financially in Your Direct Sales or Network Marketing BusinessDirect Sales and Network Marketing businesses can be an excellent vehicle to bring in extra income  - IF you do it right. If you don't, you might end up wasting precious time and energy without much to show for it.  Special guest and creator of the Dare to Win at Network Marketing coaching program, Andrea Raco, teaches how to increase your income with your direct sales or network marketing business!  Andrea Raco is a former Insurance Broker, a busy Mom of four teenagers and dedicated to the same wonderful man for 2 decades.  She's a certified Personal Success and Life Enrichment Coach, the Founder of Coach for Life and Curator of Gold Key Club - her private community for motivated Ladypreneurs, Supermoms and Difference Makers.  Today she inspires women to Create a Masterpiece Life based on their unique vision for ultimate success by blending time-tested strategies and solutions she co-creates with her clients.  Following a harrowing battle with Cancer that nearly stole first her husband and 13 months later, her own life, Andrea's shares her passionate message:  TIME is the true currency of Life.   00:29:00Financial Lifeguard on Dutynonetwork marketing,network marketing leads,direct sales,Direct Sales TrainingDirect Sales and Network Marketing businesses can be an excellent vehicle to bring in extra income - IF you do it right. If you don't, you might end up wastingfd6943f0-683e-47b9-810a-0efd71db14d216fullhttps://www.blogtalkradio.com/financiallifeguard/2018/04/26/looking-fabulous-without-emptying-your-bank-accountFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/04/26/looking-fabulous-without-emptying-your-bank-account/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/04/26/looking-fabulous-without-emptying-your-bank-accountThu, 26 Apr 2018 20:00:00 GMTLooking Fabulous without Emptying Your Bank AccountFirst impressions matter, so we want to be well dressed and looking our best. Make the most of your clothing budget by utilizing the skills of image consultant. You might think only those who are rich and famous have stylists - not true! Our guest, Lynnae Bussell  explains why an image consultant is a worthy investment in your professional image. 00:29:00Financial Lifeguard on Dutynofashion,fashion talk,style and fashion,saving moneyFirst impressions matter, so we want to be well dressed and looking our best. Make the most of your clothing budget by utilizing the skills of image consultant.21a933fb-346f-4858-b2a0-7dbb7e38e22e14fullhttps://www.blogtalkradio.com/financiallifeguard/2018/04/12/college-scholarships--chasing-unicornsFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/04/12/college-scholarships--chasing-unicorns/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/04/12/college-scholarships--chasing-unicornsThu, 12 Apr 2018 19:30:00 GMTCollege Scholarships - Chasing Unicorns?In today's competitive environment, is pursuing college scholarships akin to chasing unicorns? Dan Bisig, college expert and author answers the following questions in today's podcast: ·        What types of College Scholarships exist? ·        How do students position themselves to qualify for Merit Based  Scholarships? ·        Do ALL colleges give out Scholarships? ·        What are some of the best places students can go to look for scholarships? 00:30:00Financial Lifeguard on DutynoCollege,college scholarships,College FundingIn today's competitive environment, is pursuing college scholarships akin to chasing unicorns?0d5117c7-300e-4ff4-8d88-76e8fd068bbd15fullhttps://www.blogtalkradio.com/financiallifeguard/2018/03/22/real-estate-investing-pitfalls-revealedFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/03/22/real-estate-investing-pitfalls-revealed/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/03/22/real-estate-investing-pitfalls-revealedThu, 22 Mar 2018 19:30:00 GMTReal Estate Investing Pitfalls RevealedMark Dolfini, the Landlord Coach and author of the Time Wealthy Investor, advises those who want to own and invest in residential rental property. The right way! Mark learned early on, the hard way, how NOT to run a rental property business. In today's episode, Mark shares his story and reveals the pitfalls beginning and seasoned real estate investors need to watch out for.  00:29:00Financial Lifeguard on DutynoMark Dolfini, the Landlord Coach and author of the Time Wealthy Investor, advises those who want to own and invest in residential rental property. The right way3f0b6c92-88a5-4ef8-97e9-a7893b9a832613fullhttps://www.blogtalkradio.com/financiallifeguard/2018/03/10/money-communication-in-relationshipsFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/03/10/money-communication-in-relationships/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/03/10/money-communication-in-relationshipsSat, 10 Mar 2018 15:00:00 GMTMoney & Communication in RelationshipsDoes talking about money cause distress in your relationship? Communication and relationship coach, Erica Holston, is our special guest on this episode. She'll be giving us tips to better talk to our siginificant others about money without fighting! Erica Holston is a Certified Life Coach Workshop Facilitator, wife of almost six years.  She serves people who want to increase their confidence level, discover their purpose, and become effective communicators. People are receiving lasting change, improved communication skills both personally and professionally. Her clients have greater confidence, fulfilling relationships, and understand how things work for their lifestyle.  Ultimately, Erica wants to see people win, especially in their important relationships! 00:31:00Financial Lifeguard on Dutynomoney,relationships,communicationDoes talking about money cause distress in your relationship? Communication and relationship coach, Erica Holston, is our special guest.25402cf7-4052-40a0-afe7-b6bdfda0a37412fullhttps://www.blogtalkradio.com/financiallifeguard/2018/02/15/retirement-options-for-the-self-employedFinancehttps://www.blogtalkradio.com/financiallifeguard/2018/02/15/retirement-options-for-the-self-employed/#commentshttp://www.blogtalkradio.com/financiallifeguard/2018/02/15/retirement-options-for-the-self-employedThu, 15 Feb 2018 20:00:00 GMTRetirement Options for the Self Employed 401(k), SEP, SIMPLE, IRA... what's best for me? As a self-employed individual, there are many different retirement plan options to choose from. My special guest, Darren Wurz, of Wurz Financial Services, will clarify the differences and explain the advantages and disadvantages of each so you can decide what is best for you. I'll also give you some tips to motivate yourself to save more for retirement on a consistent basis. 00:29:00Financial Lifeguard on Dutyno401(k), SEP, SIMPLE, IRA... what's best for me? As a self-employed individual, there are many different retirement plan options to choose from. My special guesffbb4ce7-a131-4223-aa91-f49c61cbefa011fullhttps://www.blogtalkradio.com/financiallifeguard/2017/04/11/affording-a-catholic-education-for-your-kidsFinancehttps://www.blogtalkradio.com/financiallifeguard/2017/04/11/affording-a-catholic-education-for-your-kids/#commentshttp://www.blogtalkradio.com/financiallifeguard/2017/04/11/affording-a-catholic-education-for-your-kidsTue, 11 Apr 2017 14:30:00 GMTAffording a Catholic Education for your KidsI coach many families who send their kids to Catholic or private schools – or want to -  but the cost can be burdensome.  Stay tuned because what you will hear today, will give you tips on how your family can afford a Catholic education for your kids, if that’s something that’s important to you. We'll discuss other areas in your budget that can be reduced to afford tuition, and other creative ways to cover private schooling costs.  00:27:00Financial Lifeguard on DutynoCatholic school,Private School,kids,tuition,Catholic EducationPrivate and Catholic school tuition can be pricey, but doable, with these tips.https://www.blogtalkradio.com/financiallifeguard/2016/02/09/not-everyone-is-going-to-be-happy-for-youFinancehttps://www.blogtalkradio.com/financiallifeguard/2016/02/09/not-everyone-is-going-to-be-happy-for-you/#commentshttp://www.blogtalkradio.com/financiallifeguard/2016/02/09/not-everyone-is-going-to-be-happy-for-youTue, 09 Feb 2016 15:30:00 GMTNot Everyone is Going to be Happy for YouYou would think that once you decide to take control of your spending and make a plan to demolish your debt that you’ll have the full support of your family, friends, and co-workers.  However, you may find that some people are NOT going to be happy for you and may even subtly or not-so-subtly attempt to undermine your financial progress.  We’re going to discuss why this happens and how to handle it with minimal drama. 00:14:00Financial Lifeguard on DutynoMoney and Relationships,budget,spendingYou would think that your friends and family would applaud your efforts to become financially healthy. But that's not always the case!https://www.blogtalkradio.com/financiallifeguard/2015/12/12/the-number-1-reason-youre-not-richFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/12/12/the-number-1-reason-youre-not-rich/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/12/12/the-number-1-reason-youre-not-richSat, 12 Dec 2015 16:00:00 GMTThe Number 1 Reason You’re Not RichNow I know what some of you are thinking.  “Being rich would be nice, but I’m just trying to get financially healthy.”  Stay tuned because what you will hear today, if you apply it, will improve your financial condition whatever it may currently be.  As I’ve discussed in previous podcasts and blogs, unhealthy financial habits can wreak havoc on our physical health, our relationships, and our emotions.  Money and personal finances are intertwined with almost every area of our lives, so wouldn’t it be wise to make a study of it?  The very best investment you can make is in your own financial education. 00:13:00Financial Lifeguard on DutynoFinancial Education,continuing education,personal finance,Rich Dad,Robert KiyosakiAnyone can be rich - or at least financially healthy - if they invest time and effort into learning about moneyhttps://www.blogtalkradio.com/financiallifeguard/2015/10/31/dont-let-the-holidays-ruin-your-budgetFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/10/31/dont-let-the-holidays-ruin-your-budget/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/10/31/dont-let-the-holidays-ruin-your-budgetSat, 31 Oct 2015 14:30:00 GMTDon't Let the Holidays Ruin Your Budget!Happy Halloween!!  And Thanksgiving and Christmas are right around the corner.... With extra expenses for entertaining, decorating, and gift giving, sometimes the holidays aren't so happy for our budgets!  In this episode, I'll give you tips for setting your holiday gift giving budget, and talk about ways to minimize your holiday decorating and entertaining expenses.  You'll be able to spend wisely so both you and your wallet are fat and happy during the holiday season! 00:15:00Financial Lifeguard on Dutynoholidays,halloween,Christmas,Thanksgiving,gift givingWith extra expenses for entertaining, decorating, and gift giving, sometimes the holidays aren't so happy for our budgets.https://www.blogtalkradio.com/financiallifeguard/2015/10/10/when-is-it-okay-to-splurgeFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/10/10/when-is-it-okay-to-splurge/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/10/10/when-is-it-okay-to-splurgeSat, 10 Oct 2015 14:30:00 GMTWhen Is It Okay to Splurge?Today's episode answers the question: "When Is It Okay to Splurge?"   Sometimes we get so entrenched in the mindset of paying down debt and saving money that we struggle with figuring out when it’s okay to loosen up a little and ENJOY some of our money.  There is definitely a right way and wrong way to spend on a splurge, and I’ll dive into the Do’s and Don’ts of enjoying your money. 00:14:00Financial Lifeguard on Dutynosplurge,spending,saving,debt reduction,goal settingYou're saving money and paying off debt... is it okay to splurge a litte while you're still in process?https://www.blogtalkradio.com/financiallifeguard/2015/09/26/the-battle-for-your-money-begins-in-the-mindFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/09/26/the-battle-for-your-money-begins-in-the-mind/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/09/26/the-battle-for-your-money-begins-in-the-mindSat, 26 Sep 2015 16:30:00 GMTThe Battle for Your Money Begins in the MindWe’re going to explore how the way you think about money influences your financial behavior and your ultimate success with money.  I’ll share some surprising facts about how your brain processes information, including how to identify destructive thoughts and replace them with productive ones.  You’ve heard me say it many times: “Money is emotional.”  Our emotions, both positive and negative ones, can drive our behavior and our habits.  And, if we have bad financial habits, our bank balances will reflect it.  But what causes our emotions?  They are usually a response to actions or words – our own or others.  What precedes our words and actions? Thoughts.  The ancient proverbs states: “As a man thinks in his heart, so is he.”  Thoughts are the ultimate root of our daily habits. 00:16:00Financial Lifeguard on Dutynomoney,personal finance,thoughts,Emotions,AffirmationsWe’re going to explore how the way you think about money influences your financial behavior and your ultimate success with money. I’ll share some surprising fahttps://www.blogtalkradio.com/financiallifeguard/2015/08/29/do-not-cosign-that-loanFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/08/29/do-not-cosign-that-loan/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/08/29/do-not-cosign-that-loanSat, 29 Aug 2015 14:30:00 GMTDo NOT Cosign that Loan!In today's episode, I'll explain why cosigning a loan (including credit cards, car loans, and mortgages) for a friend or family member is hazardous to your financial health.  There are both money consequences and relationship consequences when someone defaults on a loan that you're a cosigner on.  Potential risks of cosigning someone else's loan include siezureof bank accounts, garnishment of your paycheck, ruined credit, and ruined relationships!  Listen in to find out how to avoid this money danger! 00:14:00Financial Lifeguard on Dutynoloan,cosign,cosigning,credit score,collectionsI'll explain why cosigning a loan for a friend of family member is hazardous to your financial health.https://www.blogtalkradio.com/financiallifeguard/2015/08/08/money-is-emotionalFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/08/08/money-is-emotional/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/08/08/money-is-emotionalSat, 08 Aug 2015 14:30:00 GMTMoney is EmotionalIn today's episode, "Money is Emotional," I’m going to tell you the story of my clients – The Smiths – and their emotional journey from anxiety and embarrassment to confidence and hope.   Money is certainly emotional.  My goal is to help my coaching clients work through those negative emotions, and harness the power of the positive emotions to propel them towards their preferred financial future.  We'll talk about the different emotions that the Smith experienced on their journey to paying off $20,000 in credit card debt in only 8 months! 00:14:00Financial Lifeguard on Dutynocredit card debt,Credit Cards,money,emotional,anxietyIn today's episode, "Money is Emotional," I’m going to tell you the story of my clients – The Smiths – and their emotional journey from anxiety and embarrassmenhttps://www.blogtalkradio.com/financiallifeguard/2015/07/11/are-you-possessed-by-your-possessionsFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/07/11/are-you-possessed-by-your-possessions/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/07/11/are-you-possessed-by-your-possessionsSat, 11 Jul 2015 14:30:00 GMTAre You Possessed by Your Possessions?In today's episode, "Are You Possessed by Your Possessions?" we'll explore the following questions: Am I surrounded by things that bring me joy? Or am I buried in a mess of clutter that I don't really even enjoy?  When is enough "enough"? Many people are living in cluttered homes, have garages they can't even park a car in, and rent storage spaces for possessions they don't really even like!  Worse than that, is some of it still has a credit card bills attached.  We'll discuss how to break the cycle of mindless spending and accumulating that can keep us financially unhealthy and prevent us from achieving our preferred financial future. 00:15:00Financial Lifeguard on Dutynoclutter,spending,minimalism,materialism,credit card debtLearn how to break the cycle of mindless spending and accumulating that can keep you from achieving your financial goalshttps://www.blogtalkradio.com/financiallifeguard/2015/06/13/get-financially-nakedFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/06/13/get-financially-naked/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/06/13/get-financially-nakedSat, 13 Jun 2015 14:30:00 GMTGet Financially NakedToday’s episode is Get Financially Naked… BEFORE you get married.  I’ll discuss why it’s important to bare your financial details to your significant other, warts and all, before you walk down the aisle.  Even when you first start dating someone, be watching and listening for their beliefs, attitudes, and behaviors surrounding money.  As you become more serious with your significant other, so should your money conversations.  I’m amazed at how many couples have no qualms about getting physically naked with each other before getting married, but keep their financial details tightly under wraps.  With money issues being cited as the first or second cause of over 70% of divorces, this is a conversation that HAS to take place. 00:15:00Financial Lifeguard on Dutynomarriage,money and marriage,divorce,personal finance,debtToday’s episode is Get Financially Naked… BEFORE you get married.  I’ll discuss why it’s important to bare your financial details to your significant other, warhttps://www.blogtalkradio.com/financiallifeguard/2015/05/30/taming-the-money-monsterFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/05/30/taming-the-money-monster/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/05/30/taming-the-money-monsterSat, 30 May 2015 14:30:00 GMTTaming the Money MonsterWhen our financial lives are in disarray, we feel stressed out and anxious.  Many times we're scared to see just how bad the situation really is.  Money can be like that monster under the bed.  It paralyzes us and keeps us awake at night.  So what is the solution to taming the out-of-control "Money Monster"?  We need to pull it out into the light and examine it up close and personal!  Sounds a little scary, right?  I promise, it's not as bad as it seems.  I'll talk about how you can drag your Money Monster out into the light and tame it into submission once and for all! 00:15:00Financial Lifeguard on Dutynomoney,money management,stress,money stress,budgetWhen our financial lives are in disarray, we feel stressed out and anxious.  Many times we're scared to see just how bad the situation really is.  Money can behttps://www.blogtalkradio.com/financiallifeguard/2015/05/23/teachable-money-moments-for-kidsFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/05/23/teachable-money-moments-for-kids/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/05/23/teachable-money-moments-for-kidsSat, 23 May 2015 14:30:00 GMTTeachable Money Moments for KidsIn this episode, I'll discuss how you can use everyday situations to teach your children about responsible money management in age appropriate ways.  You can educate your kids about budgeting, prices, and sales tax at the grocery store.  You can explain mortages, interest rates, student loans and credit cards to your teenagers. Paying your children commissions for doing their chores will help them make the connection between work and money at an early age. Teaching your kids about money can be a fun, hands-on experience for both of you! 00:15:00Financial Lifeguard on Dutynokids,kids and money,money management,Financial Education,budgetIn this episode, I'll discuss how you can use everyday situations to teach your children about responsible money management in age appropriate ways.  You can edhttps://www.blogtalkradio.com/financiallifeguard/2015/05/09/who-should-teach-your-kids-about-moneyFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/05/09/who-should-teach-your-kids-about-money/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/05/09/who-should-teach-your-kids-about-moneySat, 09 May 2015 15:30:00 GMTWho Should Teach Your Kids About Money?In this episode, we'll answer the question, "Who should teach your kids about money and personal finance?"  Some schools do have classes and courses that teach kids about this subject, but sometimes they aren't teaching your kids the things that YOU want them to learn about money.  We'll talk about how to talk to your kids about personal finance in age appropriate ways and how to help them build a solid foundation for money management that will support them into adulthood. 00:15:00Financial Lifeguard on Dutynokids and money,kids,personal finance,money management,schoolIn this episode, we'll answer the question, "Who should teach your kids about money and personal finance?"  Some schools do have classes and courses that teachhttps://www.blogtalkradio.com/financiallifeguard/2015/05/02/is-a-little-debt-okayFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/05/02/is-a-little-debt-okay/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/05/02/is-a-little-debt-okaySat, 02 May 2015 14:30:00 GMTIs a Little Debt Okay?In this episode I'll answer a listener question: "If you have a $4,000 loan at zero percent interest that will be paid off in 12 months, why spend $4,000 of your savings to get rid of a $333 payment?"  I've heard many variations of this question over the years.  It essentially boils down to this one: "Is a little debt okay?"  Debt is a dangerous thing and can spread like wild fire and eat up your personal wealth.  We'll dive into this in today's episode! 00:15:00Financial Lifeguard on Dutynodebt,credit cards,personal finance education,income,mortgageIn this episode I'll answer a listener question: "If you have a $4,000 loan at zero percent interest that will be paid off in 12 months, why spend $4,000 of youhttps://www.blogtalkradio.com/financiallifeguard/2015/03/28/your-credit-score-questions-answered-part-2Financehttps://www.blogtalkradio.com/financiallifeguard/2015/03/28/your-credit-score-questions-answered-part-2/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/03/28/your-credit-score-questions-answered-part-2Sat, 28 Mar 2015 14:30:00 GMTYour Credit Score Questions Answered, Part 2In this episode, “Your Credit Score Questions Answered, Part Two,” I’ll continue to answer your burning questions about credit scores and credit reports. How can my college-aged son or daughter establish credit responsibly?If I have a low credit score, should I hire someone for credit repair?How can I improve my credit score if it's not very good?   Should I purchase identity theft protection?00:15:00Financial Lifeguard on Dutynocredit score,FICO score,credit repair,secured credit cards,credit unionIn this episode, “Your Credit Score Questions Answered, Part Two,” I’ll continue to answer your burning questions about credit scores and credit reports. How chttps://www.blogtalkradio.com/financiallifeguard/2015/03/21/your-credit-score-questions-answeredFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/03/21/your-credit-score-questions-answered/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/03/21/your-credit-score-questions-answeredSat, 21 Mar 2015 14:30:00 GMTYour Credit Score Questions AnsweredDuring this episode we'll answer your questions about credit scores.  What does my credit score mean and how is it calculated?  Why do employers and insurance companies check my credit?  If I'm not going to borrow money, should I even worry about my credit score? Is my credit score an indication of how financially healthy I am? 00:15:00Financial Lifeguard on Dutynocredit score,FICO,FICO Score,building credit,credit repairDuring this episode we'll answer your questions about credit scores.  What does my credit score mean and how is it calculated?  Why do employers and insurance chttps://www.blogtalkradio.com/financiallifeguard/2015/02/28/what-to-do-when-theres-not-enough-money-to-pay-all-of-your-billsFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/02/28/what-to-do-when-theres-not-enough-money-to-pay-all-of-your-bills/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/02/28/what-to-do-when-theres-not-enough-money-to-pay-all-of-your-billsSat, 28 Feb 2015 15:30:00 GMTWhat To Do When There's Not Enough Money to Pay all of Your BillsIn this episode, I'll discuss what to do when there's not enough money to pay all of your bills.  Even if YOU aren't in a collections situation, it's likely you know someone who is and can use this important information.  I'll discuss how to prioritize your obligations, taking care of your "4 Walls," and how the Pro Rata plan works.  Have questions about this topic?  Email them to me before the show and I'll answer them on the air.  Christine@ChristineLuken.com 00:15:00Financial Lifeguard on Dutynobills,Pro Rata Plan,Collections,bill collectorsIn this episode, I'll discuss what to do when there's not enough money to pay all of your bills.  Even if YOU aren't in a collections situation, it's likely youhttps://www.blogtalkradio.com/financiallifeguard/2015/02/14/love-moneyFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/02/14/love-money/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/02/14/love-moneySat, 14 Feb 2015 15:30:00 GMTLove & MoneyIn honor of Valentine's Day, we're talking about LOVE... and money!  Upwards of 75% of divorcing couples cite money issues as a contributing factor for the break up of the relationship.  The good news is that if you and your spouse or partner communicate regularly about money, you'll increase the odds of having a rock solid relationship.  I'll talk about ways to take off the boxing gloves and get on the same page with your significant other when it come to personal finance.  Have questions?  Email them to me before the show to Christine@ChristineLuken.com 00:15:00Financial Lifeguard on DutynoLove,Money,Relationships,Divorce,Valentine's DayIn honor of Valentine's Day, we're talking about LOVE... and money!  Upwards of 75% of divorcing couples cite money issues as a contributing factor for the breahttps://www.blogtalkradio.com/financiallifeguard/2015/02/07/personal-budgeting-for-the-small-business-ownerFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/02/07/personal-budgeting-for-the-small-business-owner/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/02/07/personal-budgeting-for-the-small-business-ownerSat, 07 Feb 2015 15:30:00 GMTPersonal Budgeting for the Small Business OwnerPersonal budgeting can be difficult for small business owners especially if their income varies from month to month.  Those of us who are self employed can also encounter difficulties when they mix their personal and business expenses.  In this episode, I'll share how to do monthly budgeting with a variable income plus additional strategies to ensure both your business and personal finances stay on solid ground.  Email your questions before or after the show to Christine@ChristineLuken.com   00:15:00Financial Lifeguard on Dutynobudget,budgeting,small business,small business owners,self employedPersonal budgeting can be difficult for small business owners especially if their income varies from month to month.  Those of us who are self employed can alsohttps://www.blogtalkradio.com/financiallifeguard/2015/01/24/get-a-college-education-without-student-loansFinancehttps://www.blogtalkradio.com/financiallifeguard/2015/01/24/get-a-college-education-without-student-loans/#commentshttp://www.blogtalkradio.com/financiallifeguard/2015/01/24/get-a-college-education-without-student-loansSat, 24 Jan 2015 15:30:00 GMTGet a College Education without Student LoansThe average college student graduates with over $33,000 in student loan debt.  Many Americans accept this as being inevitable if they want a college degree.  In today's episode, we'll discuss ways to get an education with as little debt as possible!  Email questions about student loans before the show to Christine@ChristineLuken.com and we'll answer them on the air. 00:30:00Financial Lifeguard on DutynoCollege,higher education,Education,students,student loansThe average college student graduates with over $33,000 in student loan debt.  Many Americans accept this as being inevitable if they want a college degree.  Inhttps://www.blogtalkradio.com/financiallifeguard/2014/12/27/envisioning-your-financial-futureFinancehttps://www.blogtalkradio.com/financiallifeguard/2014/12/27/envisioning-your-financial-future/#commentshttp://www.blogtalkradio.com/financiallifeguard/2014/12/27/envisioning-your-financial-futureSat, 27 Dec 2014 15:30:00 GMTEnvisioning Your Financial FutureIn this episode, I talk about the importance of having a vision and dreams about your preferred financial future.  When you're doing the hard work of getting out of debt and saving money, it's very motivating to know WHY you're working so hard.  I'll talk about dream sessions, vision boards, and "afformations" as tools to use for envisioning your financial future. 00:30:00Financial Lifeguard on Dutynovision,vision board,goal setting and achievement,goal setting,financesIn this episode, I talk about the importance of having a vision and dreams about your preferred financial future.  When you're doing the hard work of getting ouhttps://www.blogtalkradio.com/financiallifeguard/2014/12/21/the-spirit-of-givingFinancehttps://www.blogtalkradio.com/financiallifeguard/2014/12/21/the-spirit-of-giving/#commentshttp://www.blogtalkradio.com/financiallifeguard/2014/12/21/the-spirit-of-givingSun, 21 Dec 2014 15:30:00 GMTThe Spirit of GivingIn this episode I'll discuss how giving money to charitable causes helps us stay financially healthy.  It's a great paradox that the more generous we are, the richer we become both in spirit AND in our bank accounts.  I'll talk about the benefits of giving, the barriers to giving, how to get started on your journey to becoming a generous giver.  Email me questions you have on tithing, giving, and charities before or during the show!  Christine@ChristineLuken.com 00:30:00Financial Lifeguard on DutynoGiving,giving back,charity,Tithing,GenerosityIn this episode I'll discuss how giving money to charitable causes helps us stay financially healthy.  It's a great paradox that the more generous we are, the rhttps://www.blogtalkradio.com/financiallifeguard/2014/11/29/the-underbelly-of-the-financial-worldFinancehttps://www.blogtalkradio.com/financiallifeguard/2014/11/29/the-underbelly-of-the-financial-world/#commentshttp://www.blogtalkradio.com/financiallifeguard/2014/11/29/the-underbelly-of-the-financial-worldSat, 29 Nov 2014 15:30:00 GMTThe Underbelly of the Financial WorldWe all know that there are dangerous financial waters we need to avoid.  Today we'll talk about the worst of the worst, the "Underbelly of the Financial World."  I'll explain why you need to avoid payday lenders like the plague, think twice about title pawning, run away from debt consolidation, and save your money instead of wasting it on lottery tickets.  I'll also share my own (stupid) experiences with all of them! 00:29:00Financial Lifeguard on DutynoPayday Loans,pawn shop,Debt Consolidation,lottery,financialWe all know that there are dangerous financial waters we need to avoid.  Today we'll talk about the worst of the worst, the "Underbelly of the Financial World."