Debt & Friendships
S A U N A I E10 Touko 2021

Debt & Friendships

SEASON 5 EPISODE 24: DEBT & FRIENDSHIPS

  • in this episode of SAUNAIE our host XO opens the show talking about his weekend and how we're officially on Patreon. We just published a poll asking you all what you guys want more of on our Patreon page, to vote check out www.Patreon.com/SAUNAIE
  • Now we jump into the show starting off with the Quotes of the Day, 1st quote is about Change and how we want change to happen fast and we want change to be easy, but nothing in life worth having is easy. The 2nd quote is about Relationships and how we're supposed to learn from each relationship that we have. Relationships are supposed to teach us not take away from us.


  1. Strategies To Pay Off Debt
  • DEBT SNOWBALL: List all of your debts from smallest to largest
  • Make minimum payments on everything then Pay extra on your Smallest debt.
  • When done repeat the process.
  • Small Wins are Psychologically a good option.


  • DEBT AVALANCHE: This strategy involves listing all of your debts from highest to lowest interest rate.
  • Make the minimum payments on everything then pay extra on the highest debt 1st.
  • After this debt is paid move on to the next highest interest rate.
  • Mathematically this is the cheapest option.


  • DEBT FLOOD: Make the minimum payments on everything.
  • Should you get additional funds (Birthday money, Stimulus check, holiday bonuses, etc..) you'd take the amount and evenly allocate the funds to each debt.
  • This strategy is commonly used .


2. Friendship Green & Red Flags

  • in this segment we discuss Friendships and the Signs of Good Friendships & Bad Friendships.
  • We start off with the Red Flags of Friendships like "They Often Criticize You, They're Only Around When They Need You, They're Jealous and/or Competitive, They make Fun of Your Goals or Interests, They Make You Feel Bad About Who You Are, and a lot more we discuss"
  • Then we jump into the Green Flags of Friendships like "They're Open To Receiving Feedback, They Apologize When They're Wrong, They Communicate How They Feel, They Accept You For Who You Are, They're intentional about Resolving Conflicts, and a lot more."

Then we end off the show reading off the reviews from our audience and recap the show.

I appreciate everyone who's tuned in, reviewed, shared, posted, man the list goes on but We're truly grateful for the Support.

Follow US on any social media platform @SAUNAIE

Check out our website www.SAUNAIE.com

VOTE ON OUR POLL ON www.patreon.com/SAUNAIE

THANK YOU HAVE A BLESSED WEEK.

Jaksot(298)

EP. 242: Tips To Succeed Faster

EP. 242: Tips To Succeed Faster

S A U N A I E Presents Realize This Sooner Than Later with our Host XO Q u o t e s: Be Careful Who Has Access To You. They can Affect Everything: Your Vibe, Your Energy, Your Peace. 2nd: The Moment You Know Yourself You Have Known The Most Precious Thing in Existence. S e g m e n t s: Realize This 1. Your 9 - 5 is someone's Passive Income: Find new ways to make money & create your own income stream. 2. You Shouldn't take advice from People who're Not Where You Want To be in Life. 3. No one is coming to solve your problems. Your Life is 100% your Responsibility. 4. If you find someone smarter than you, Work with Them, don't compete 5. Comfort is the worst addiction & a cheap ticket to Depression. 6. Don't tell people more than they need to know, Respect Your Privacy. 7. Keep your Standards High & Don't Settle for Something because it's Available. 8. The Family you Create is more important than the Family You Come From. 9. Train yourself to Take Nothing Personally to Save Yourself from 99% of Mental Problems H o u s e k e e p i n g Share. Subscribe. Review o u t r o: Let Go of All That No Longer Serves You.

30 Maalis 202311min

Ep. 241: Tiny Life Changing Habits

Ep. 241: Tiny Life Changing Habits

S A U N A I E Presents Tiny Life Changing Habits Q u o t e s: Don't Let Anyone including yourself Speak Negatively About You 2nd: You've survived everything life has thrown at you, because you're Warrior S e g m e n t s: Tiny Life Chaging Habits 1. Everyday Write 3 Things You're Grateful For. 2. Say "No" more often. People will walk all over you if you say "YES" to Everything. 3. Ask Yourself Whether What You're Doing is Worth it? 4. Invest in Experience 5. Declutter Your Workspace. 6. Do A Brain Dump 7. Giveaway Things You Don't Need 8. Keep Track of Your Money. 9. Split Your Tasks into bite-sized Actionable Steps. 10. Try Social Media Detoxification Every Once in a While. 11. Use DND more often 12. Spend 30 mins. daily doing "Nothing" 13. Prepare your clothes the night before. 14. Head Full of Thoughts? Go for a Walk 15. Read 15 mins a Day 16. Let Go of Self-Critical Thoughts H o u s e k e e p i n g Share. Subscribe. Review o u t r o: Be Strong Enough to be Patient while You're Waiting For Your Blessings to Show Up.

20 Maalis 202314min

Ep. 240: How to Overcome Overthinking with XO

Ep. 240: How to Overcome Overthinking with XO

Q u o t e s: Everything is Possible when you Believe in Yourself. 2nd: Everything comes to him who Hustles While He Waits. S e g m e n t s: The People You Attract Are A Mirror of You. 1. The Problem is Rarely The Problem 2. Avoid Self-Rejection. 3. Silence & Time 4. An important Question 5. The Power of Now 6. Fact-Check Your Own Thoughts 7. Acceptance is Peace 8. Health starts in your mind H o u s e k e e p i n g Subscribe. Share. Review. O u t r o: You're A Walking Miracle, Never Doubt How Amazing You Truly Are.

17 Maalis 202315min

Ep. 239: How To Stay Calm Under Life Storms

Ep. 239: How To Stay Calm Under Life Storms

Q u o t e s: Wear Gratitude like a Cloak & it will Feed Every Corner of your Life. 2nd: Stressing about the Future will Rob You of Today's Joys, Live Your Life One Day at a Time. S e g m e n t s: Ways To Calm Yourself When Life is Getting Tough 1. Walk 2. Indulge 3. Be Generous 4. Sit in a Coffee Shop or a Busy Street & Soak Up Your Surroundings. 5. Educate Yourself 6. Preparation 7. Strengths h o u s e k e e p i n g Share. Subscribe. Review. o u t r o: You Deserve Relationships That Never Make You Question Your Worth.

13 Maalis 202311min

EP. 238: Unspoken Social Rules

EP. 238: Unspoken Social Rules

S A U N A I E Presents Unspoken Social Rules q u o t e s: The Best Decision You'll Ever Make is to Become The Best Version of Yourself 2nd: Let Yourself Walk Away From People & Situations that Don't Feel Right, So You Have Time & Space For Those That Do. S e g m e n t s: Unspoken Social Rules 1. Don't Call Someone More Than Twice Continuously 2. If you borrow money from someone, Return it, even before they ask for it. 3. When Someone Treats You to Breakfast, Lunch or Dinner, Don't Buy The Most Expensive Dish on the Menu. 4. Always Open The Door for the Person Coming Behind You. 5. Be Nice & Kind to Waiters, Cleaners, Helpers, Drivers, or Anyone Offering You a Service & Treat Them with the same Respect You'd Give a Manager or a CEO 6. If you take an Uber, Lyft, or Taxi with a Friend, & He/She pays now, You Pay Next Time. 7. Respect Different Opinions 8. Never interrupt People Talking 9 .Say "Thank You" when someone is Helping You. 10. Don't Break Your Promises, or Don't Make 1 if you aren't sure you can keep it. 11. When someone tells you a Secret, Take it with you to your Grave, even if you wake up as enemies the next Morning. 12. Don't Set a Time without Being Punctual Yourself. 13. Never Talk About Your Riches the Midst of the Poor. H o u s e k e e p i n g Share. Subscribe. Review We're on Youtube o u t r o: All Mistakes I Ever Made in My Life Were When I Wanted To Say No, & Said Yes

10 Maalis 202311min

EP. 237: Are You Mentally Healthy?

EP. 237: Are You Mentally Healthy?

S A U N A I E Presents Tips For Staying Mentally Healthy q u o t e s: Everyone has Highs & Lows that they have to learn from, but every morning I start my day saying "Today's going to be a great day" 2nd: Instead of impressing others with what you have, focus on impressing yourself with Who You Are. S e g m e n t: Tips for Staying Mentally Healthy Tip #1: Getting Enough Sleep because People Suffering From Sleep issues are More Likely to Experience Tip #2: Listen to Your Body: Our bodies have a way of Communicating with us when there's something it needs that it's not receiving. Tip #3:Take A Break from Social Media Tip #4: Be Patient With Yourself Tip #5: Get Up & Get Moving Tip #6: Track Gratitude & Achievement with a Journal Tip #7: Identify your Strengths, Weaknesses, & Boundaries H o u s e k e e p i n g Share. Subscribe. Review. o u t r o: All You Have To Do Today is Start. Don't Worry About How Far You'll Go. Just Start.

6 Maalis 202312min

EP. 236: Do You Have Self-Discipline?

EP. 236: Do You Have Self-Discipline?

S A U N A I E Presents Self-Discipline Secrets q u o t e s: When Hard Work is Your Only Options, Success is your only Result. 2nd: Self-Care isn't Selfish. It's a Crucial Part of Being a Happy Healthy Human. S e g m e n t s: Secrets of Self-Discipline 1. Meeting Your Own Deadlines. 2. Not Eating in Front of a Screen 3. Doing that Final Rep in the Gym 4. Turning Off Netflix at a set time 5. Not touching your Phone when you're at Dinner or on a date 6. Putting Your Phone in a Different Room while Working 7. Making Healthy Dinners Nightly or Meal Prep 8. Going To Workout Even When You're Tired 9. Eating the same food 4x a week to lose weight. 10. Reading even when you don't feel like it. h o u s e k e e p i n g Share. Subscribe. Review. o u t r o: Our Greatest Weakness Lies in Giving Up. The Most Certain Way To Succeed is Always to Try Just 1 More Time.

27 Helmi 202315min

EP. 235: 7 Deadly Sins of the Tongue

EP. 235: 7 Deadly Sins of the Tongue

S A U N A I E Presents 7 Deadly Signs of Speaking You Should Avoid q u o t e s: Consistency is the key to positive Progress. Never Forget Why You Started. 2nd: Have The Courage To Be Who You Are, Not What People Expect You To Be. S e g m e n t s: 7 Deadly Signs of the Tongue 1. Gossiping 2. Judging 3. Negativity 4. Complaining 5. Lying 6. Dogmatism 7. Excuses H o u s e k e e p i n g Share. Subscribe. Review o u t r o: Not All Success Comes from Hard Work, it also Requires A Vision of The End Goal.

24 Helmi 202313min

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