Don't Treat Your Business As An ATM

Oh, the things that keep us up at night. Santiago is on a fluctuating income and he wants to know if he should prioritize his Quick + Dirty or his float. Erin has the answer - she explains the steps to budgeting effectively and provides practical tips on how to create and maintain these crucial financial buffers. Around here, we are fans of fluctuating incomes! Erin's got insights that can transform how you handle an unpredictable paycheck.    _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. 🗣Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly 📒Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum   🎧Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📖Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📘Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa  📲Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/   Please rate and review this podcast so we can continue to deliver you an epic financial literacy podcast!    _______________________________   Erin's Favorite Online Canadian Will + Estate Company 🇨🇦 https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  USE CODE to save even more: ERIN20 Erin's Favorite Online American Will Company 🇺🇸 https://trustandwill.sjv.io/rQYqnd   _______________________________ If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Thanks to you, the podcast has grown and we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.   Learn more about your ad choices. Visit megaphone.fm/adchoices

18 Kesä 202422min

Why should the kids get all the fun? Summer Money Camp (for grownups!) is back. Discover how just 10 minutes a day focused on financial tasks can transform your relationship with money. Learn the daily routines and habits that have helped previous campers shift from consumers to investors, all while keeping the process fun and engaging. Whether you’re in your pajamas or post-workout gear, start your mornings with practical money lessons that can boost your net worth and financial confidence all year round. Sign up to join us for Summer Money Camp here: https://www.erinskyekelly.com/offers/rpvztLWQ/checkout  _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. 🗣Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly 📒Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum   🎧Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📖Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📘Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa  📲Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/   Please rate and review this podcast so we can continue to deliver you an epic financial literacy podcast!    _______________________________   Erin's Favorite Online Canadian Will + Estate Company 🇨🇦 https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  USE CODE to save even more: ERIN20 Erin's Favorite Online American Will Company 🇺🇸 https://trustandwill.sjv.io/rQYqnd   _______________________________ If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

17 Kesä 202422min

If you want to support Katie's dream, gifts can be made to: Venmo - Katie-Evans-585 (last four digits 1070) PayPal - katieevans140 Mail - PO Box 67839, Rochester, NY 14617 You can cheer her along here: https://www.facebook.com/okgreatdivide   You got this, Katie. You are loved.    Learn more about your ad choices. Visit megaphone.fm/adchoices

13 Kesä 202411min

Suzanne shares how a tumultuous period in her family's life lead to being $90,000 in debt. They bought a farm, added twins to their family, purchased vehicles, and her and her husband both started their own businesses. Suzanne candidly discusses how they managed to navigate these financial challenges and the emotional toll it took on their family. Despite the chaos, they found ways to persevere, illustrating resilience and resourcefulness in the face of adversity. To join Suzanne in the Get The Hell Out Of Debt program, go here and sign up for free: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget.  To find Suzanne, here are her links:  Website: https://www.gatheredandgrown.ca/ Facebook: https://www.facebook.com/gatheredandgrown instagram: https://www.instagram.com/gatheredandgrownfamilyfarm/ _______________________________   🗣Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly 📒Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum   🎧Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📖Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📘Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa  📲Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/   Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.   _______________________________ Erin’s Favorite Canadian Insurance Company: Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef   Erin's Favorite Online Canadian Will + Estate Company: https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  USE CODE to save even more: ERIN20   Erin's trusted American partner is https://trustandwill.sjv.io/rQYqnd _______________________________ Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout    If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer.       Learn more about your ad choices. Visit megaphone.fm/adchoices

12 Kesä 202446min

Erin is decoding the complexities of cash value life insurance and infinite banking, and discusses their place in financial planning. Erin explains the nuances between term and whole life insurance, emphasizing the importance of personalized advice based on individual financial situations. Learn why understanding your financial needs is crucial before diving into these insurance products. Share your book recs with us! Leave a voice text: https://www.speakpipe.com/erinskyekelly or email assistant@erinskyekelly.com.    ALL THE LINKS incoming!    Erin’s Favorite Canadian Insurance Company: Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef   Links to Erin's books -  Get The Hell Out Of Debt: https://amzn.to/3Vdelum Naked Money Meetings: https://amzn.to/40HzEFa   Then find them on Goodreads and leave your review: Get The Hell Out Of Debt: https://www.goodreads.com/book/show/56695117-get-the-hell-out-of-debt#  Naked Money Meetings: https://www.goodreads.com/book/show/101134834-naked-money-meetings#    Erin is reading: https://amzn.to/3V5mX6w  Keri is reading: https://amzn.to/3Vuboap    Preorder Laura Fleming's book "Because Fat Girl": https://amzn.to/3Vg0LXu  And mark it as Want To Read on Goodreads here: https://www.goodreads.com/book/show/203578911-because-fat-girl  And listen when she was on this podcast: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000524081396    Jamie Anderson's book "Love, Julie" is here: https://amzn.to/3XeLvwI  And on Goodreads here: https://www.goodreads.com/author/show/22880920.Jamie_Anderson     _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. 🗣Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly 📒Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum   🎧Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📖Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📘Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa  📲Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/   Please rate and review this podcast so we can continue to deliver you an epic financial literacy podcast!    _______________________________   Erin's Favorite Online Canadian Will + Estate Company 🇨🇦 https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  USE CODE to save even more: ERIN20 Erin's Favorite Online American Will Company 🇺🇸 https://trustandwill.sjv.io/rQYqnd   _______________________________ If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

11 Kesä 202427min

Whether you're paid bi-weekly, monthly, or have an irregular paycheck, Erin has practical tips to align your cash flow with your expenses. She shares insights on making your budget fit your life, not the other way around, and discusses the importance of frequent budgeting to stay on track. Let's be honest - cash flow management is tricky - until you grasp these concepts Erin teaches. To access the spreadsheets Erin uses, sign up for the Get The Hell Out Of Debt course (also free!) and download all her reources: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. Here's the budgeting app Erin likes (after you determine where you are at on paper first!): https://youneedabudget.a4xxmk.net/g1dDNv The life insurance company Erin loves (in Canada):  Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef _______________________________   🗣Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly 📒Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum   🎧Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📖Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📘Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa  📲Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/ Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. _______________________________   Erin's Favorite Online Canadian Will + Estate Company: https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  USE CODE to save even more: ERIN20   Erin's trusted American partner is https://trustandwill.sjv.io/rQYqnd _______________________________ Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout    If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

10 Kesä 202427min

Diana sent in a candid voice text, highlighting her financial decisions following a divorce, including getting involved in an MLM. Erin discusses the often-overlooked financial burdens women face when leaving relationships and provides advice on handling investments with multi-level marketing financial companies. She emphasizes the importance of financial literacy and making informed decisions to avoid recurring financial pitfalls. PS - Erin will always want you to have revenge sex.    Listen to this episode for advice on finding a financial planner: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000617692897  Check out Chrissy's episode "Chrissy Is Debt-Free!" here: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000443620302    _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. 🗣Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly 📒Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum   🎧Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📖Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📘Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa  📲Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/   Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. _______________________________ Erin’s Favorite Canadian Insurance Company: Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef   Erin's Favorite Online Canadian Will + Estate Company: https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  USE CODE to save even more: ERIN20   Erin's trusted American partner is https://trustandwill.sjv.io/rQYqnd _______________________________ Need some help filling your Quick + Dirty fund? Check out the new course "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout    If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

5 Kesä 202432min

Ashley might need to get her mouth rinsed out with soap. (Nah - she's our people!)  After listening to Ashley's voice message, Erin discusses the powerful shift from fear to excitement and how reframing emotions can lead to remarkable financial breakthroughs. With real-life examples and practical advice, Erin illustrates how anyone can become the hero of their financial story...yes, even in 48 hours.    Find Allissa's episode "Allissa Pays Off 6 Figures + Changes Her Life" here: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000551388687 Find Jacqueline's first conversation with Erin "Debt-Free In A Pandemic" here: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000503405637  And Jacqueline's follow-up episode "Where Are They Now? Jacqueline's Journey To $1 Million Net Worth" here: https://podcasts.apple.com/ca/podcast/get-the-hell-out-of-debt/id1462338073?i=1000637415878    If you DON'T hate Poshmark, check out this online course: "Online Selling Success: Turning Products Into Profits" https://www.erinskyekelly.com/offers/tWh2mTJp/checkout  _______________________________ Join us in the online program Get the Hell Out of Debt here: www.getthehelloutofdebt.com Scroll down to apply for a Sponsorship Opportunity if $99 is currently out of your budget. 🗣Send us a voicemail with your thoughts here. https://www.speakpipe.com/erinskyekelly 📒Order your copy of Get the Hell Out of Debt here. https://amzn.to/3Vdelum   🎧Listen to Get the Hell Out of Debt on Audible here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📖Download Get the Hell Out of Debt for your Kindle here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1 📘Order Erin’s latest book Naked Money Meetings from your favorite local independent bookseller. Or of course, it’s always available here. https://amzn.to/40HzEFa  📲Have Erin’s Tuesday newsletter delivered to your email inbox here. https://www.erinskyekelly.com/sign-up-for-newsletter Connect with Erin on Instagram here: https://www.instagram.com/erinskyekelly/   Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us.   _______________________________ Erin’s Favorite Canadian Insurance Company: Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef   Erin's Favorite Online Canadian Will + Estate Company: https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37  USE CODE to save even more: ERIN20 Erin's trusted American partner is https://trustandwill.sjv.io/rQYqnd _______________________________ If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives! Since this episode has aired, and the podcast has grown, we had to make the production decision to air commercials. You may hear us saying that the podcast is commercial-free, and we kept it that way as long as possible, but there was a point where financially it no longer made sense to do so. We thank you for your understanding and know that these advertisers will not take away from your enjoyment of the content, and the many other free resources we offer. Learn more about your ad choices. Visit megaphone.fm/adchoices

4 Kesä 202420min