When Life's A Wreck

There are actually indicators that you are heading toward financial disaster long before they happen. They are similar to the things that end relationships. too.  _________________________ In this episode:  4 Horsemen of the Apocalypse (Gottman Institute): https://www.gottman.com/blog/the-four-horsemen-recognizing-criticism-contempt-defensiveness-and-stonewalling/   Email your questions to assistant@erinskyekelly.com.  Zero condoms were used in the making of this podcast.  _________________________ 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. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca  If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly  Follow Erin here: https://www.instagram.com/getthehelloutofdebt/  And her personal account here: https://www.instagram.com/erinskyekelly/  And the website for everything else: www.erinskyekelly.com  Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. 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. 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

20 Syys 202247min

Erin gives dating tips + financial tips that are so unfiltered they should probably stay in her head.  _________________________ In this episode:  Indecent Proposal movie trailer: https://www.youtube.com/watch?v=HumfQ0xklFU  Link to Couples questions: https://www.erinskyekelly.com/learn Scroll, give us your email, and we will send these to you immediately. Bespoke by Katy event planner: https://www.instagram.com/bespokebykaty/  Adjustment Bureau movie trailer: https://www.youtube.com/watch?v=wZJ0TP4nTaE  Keri is still searching for the wedding photo of Erin playing her bridesmaid flowers like an air guitar.  _________________________ 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. The book is available here (or from your favorite bookstore!): https://amzn.to/3egzwXU Check this out for some free resources to get you started: www.financialtransformation.ca  If you have something nice to say (and want to be featured on the podcast!), record your message here: https://www.speakpipe.com/erinskyekelly  Follow Erin here: https://www.instagram.com/getthehelloutofdebt/  And her personal account here: https://www.instagram.com/erinskyekelly/  And the website for everything else: www.erinskyekelly.com  Please help us share financial literacy by rating, reviewing and sharing this podcast, so we can continue to reach the people who need us. 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. 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

13 Syys 202252min

It's the Season Finale! Erin's answer about paying down your mortgage versus investing your money might not be what you think.  Also, she tells us about the world's most depressing document.  Share your thoughts on this season here: https://www.speakpipe.com/erinskyekelly  ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140  ___________________________ 0:00 Blank Space Mansion & Keri’s Incredible Guess 1:06 Swifty Erin 6:06 Season Finale Hype Intro 6:55 100k Podcast Listener Milestone, Pass It On! 7:45 Women Helping Women 10:00  Getting A Mortgage In Retirement 12:05  Mortgage vs Investing 14:00  Mortgage Amortization Schedule 17:21  Season 6 Wrap Up _______________________________   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. 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

13 Heinä 202222min

Erin is LIVE for the second time this season with the Get The Hell Out Of Debt community and answers questions about mortgages and real estate - including the penalties and risk involved in re-mortgaging your home and the fixed vs variable debate. And also why Erin has a PO Box and recommends the same for you.    ___________________________ To join the Get The Hell Out Of Debt community, get the course here: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course  If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140  ___________________________ 0:45 Show Intro 1:15 Charis Mortgage Renewal. To Penalty, Or Not To Penalty 4:52 Where Does Refinancing Money Come From 6:12 Variable vs. Fixed Rate Mortgages 11:00  What Do Banks Look For 16:16  Erin’s Unsolicited PO Box Advice 19:34  Manulife Mortgage LOC vs. Other Mortgage Options 25:50  Show Extro And Candid Zoom Moments _______________________________  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. 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

6 Heinä 202231min

Erin talks about changing our money habits and how important it is to believe we CAN get out of debt. She also says "10 cow woman." A lot.  ___________________________ Money Bunny tracker sheet: https://www.etsy.com/ca/listing/1183452528/money-bunny-tracker-sheet?click_key=fb8007e3e2f344649c31c4ea761b2c0f4e1fe9f9%3A1183452528&click_sum=1a2d8f51&ref=shop_home_recs_2  Johnny Lingo (credit) video here: https://www.youtube.com/watch?v=gXIj5zfFsk0  Tombow markers here: https://www.tombowusa.com/markers.html (not an affiliate link!) ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140  ___________________________ 0:00 Superstore(the show) Rental Cost 1:30 Wal-Mart Employee Gossip 2:57 Erin Can’t Help Loving Mortgage Talk – Is Unrelatable 4:04 Let’s Be Friends With Sandra Bullock 4:46 Line Of Credit Payoff Strategies 7:03 External Controls For Internal Financial Chaos 10:41  Making A Chart For Payoff 11:45  Declining Balance For LOC 13:27  Stationery, Etsy Things, GTHOOD Merch, and “Debtris” 14:16  Tombow Markers!? Amazing! 15:31  Craft Swaps 16:20  Lana Is A 10 Cow Wife That Struggles With Money 17:38  Johnny Lingo 21:07  Meaningful Work Can Be Devalued 21:51  Building Money Muscles And Identity 23:35  Erin’s Imaginary Mentors 25:05  Surrounding Yourself With High Caliber Women _______________________________   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. 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

29 Kesä 202231min

How has it taken us this long to get to this question?! Erin covers all the options and how to best make a decision that fits for you.  ___________________________ Instagram accounts mentioned in this episode:  https://www.instagram.com/pleasehatethesethings/  https://www.instagram.com/frills_and_drills/  https://www.instagram.com/comestayawhile/  https://www.instagram.com/darylanndenner/  ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in, including the FREE net worth spreadsheet referenced in this podcast at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140  ___________________________ 0:00 Intro – Modern Family House Values 1:51 Jay and Gloria’s Traditions 3:26 Claire-y Blakeney 5:17 Fixed vs Variable Mortgage Choice 12:34  Pre-payment privileges and penalties 15:55  Mortgage Broker Questions 16:52  Total Cost Of Borrowing and Net Worth 17:50  Erin Asks A Lot Of Questions 20:42  HELOC For Future Work On House 31:08  Weirdest Thing Seen In Someone’s Home 31:45  Trading Spaces & Insta Accounts To Follow _______________________________   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. 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

22 Kesä 202240min

Your questions about consumer proposals - what are they, and can you still purchase a home?  Learn more about how the Total Cost of Borrowing is affecting your pocketbook more than rate: In 10 minutes or less, Erin will teach you the ropes: https://www.erinskyekelly.com/pl/2147563980 ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140  ___________________________ 0:00 Full House House Price & Uncle Jesse’s Loft 3:27 So Nice Out/Social Connection Through Technology 5:59 Consumer Proposal Affecting Mortgage Renewal 7:57 You Down With OPD? 12:47  B-Lending 13:48  Consumer Proposal Payback Plan w-Business 18:38  Ice Cream Business _______________________________   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. 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

15 Kesä 202223min

Erin goes LIVE with the Get The Hell Out Of Debt community and answers questions about mortgages and real estate - including buying after a consumer proposal, best ways to make extra income, and Erin's thoughts on buying real estate right now. And this is just part one! More to come...  ___________________________ 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. If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Free resources no matter what country you live in at www.FinancialTransformation.ca Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140   ___________________________ 0:00 Sex & The City TiVo 1:07 What Would Carrie's Iconic Abode Cost? 3:41 Live Call Intros 4:46 Joleen Getting Into Real Estate w-Consumer Proposal 8:44 Inflated Mortgage vs. Rental 10:45  Celebrate Financial Progress And Researching Next Moves 12:30  Joleen’s Emotional Advice For Debt Journey 13:21  Being Kind To Others On Their Debt Journey 14:43  Kevin Thinks Erin Is A Bright Light 16:07  Kevin Looks For Advice On Earning More Income 20:47  Don’t Chase Two Rabbits – Chase Your Dream 24:09  Semantha Asks How To Navigate The Market 31:03  Looking At Real Estate A Different Way 32:32  Extro _______________________________   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. 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

8 Kesä 202237min