Get the Hell Out of Debt

While you are busy looking for the best rate you might be overlooking something called the Total Cost of Borrowing. Erin explains how the bank uses rate as a selling tool, not necessarily as a means to save you money.  Check out Erin's mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140  ___________________________ 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 ___________________________ 0:00 Keri Knows Knowledge 1:03 Ozark Real Estate and Jason Bateman Crushes 6:00 Words About Weiners 8:39 Question 1 – Attached Home Differring Mortgage Amounts 13:40  Mortgage Math 15:50  Bank Bamboozles 18:29  Question 2 – Living Beyond Your Means 28:53  Bank Rates and Quick Close Specials 31:43  Real Estate Lawyer Anniversary Payments 34:55  How To Reach Erin With Numbers _______________________________  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

4 Mai 202240min

Most people sign the mortgage papers as a means to get the house. Just like Erin eats cauliflower so she can dip it in ranch. But do you fully understand the cost of your mortgage?  ___________________________ 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 ___________________________ What's in this episode: 00:00  What To Wear In The World? 1:33  ‘Friends” Real Estate – Favorite Friend (Chandler, obviously, says producer Rob) 5:40  Erin’s Ruthless Amazing Friend Circle 7:10  Intro To Season Topic - Mortgages 10:38   The Righteous Gemstones 16:16   Question 1 – Preparing For Mortgage Payoff 22:47   Mortgage Down Payments 28:15   Mortgage Pre-Payment and Fine Print 30:34   Question 2 – Lump Sum vs Lower Monthly Payments 37:14   Lines Of Credit _______________________________   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

27 Apr 202243min

Erin explains crypto currency which is like trying to describe a smell but she does it anyway!  We answer more of your questions in this season finale! _________________________ If you have a question, message assistant@erinskyekelly.com  To sponsor someone into the Get The Hell Out Of Debt program, email Keri at info@erinskyekelly.com   For personal coaching info, email Keri at info@erinskyekelly.com Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course  Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you  Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly  Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email Erin.Kelly@dlcme.ca.  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. 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

14 Apr 202236min

We answer more of your questions and talk about the use of the word addiction when it comes to money. Also, if Justin Bieber (or Britney Spears) are in jail when you listen to this, we take back what we said.  Link to Erin's couples podcast: https://getthehelloutofdebt.libsyn.com/how-to-talk-to-your-partner-about-money _________________________ 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 have a question, message assistant@erinskyekelly.com  To sponsor someone into the Get The Hell Out Of Debt program, email Keri at info@erinskyekelly.com   For personal coaching info, email Keri at info@erinskyekelly.com Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course  Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you  Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly  Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email Erin.Kelly@dlcme.ca.  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

7 Apr 202227min

Rosanna found herself stressed financially after a relationship breakdown, where she was running her business on her line of credit. Listen to how she very humbly put aside her pride and turned her entire future around. She paid off $50,000 in debt and decided to create a life she absolutely loved.    _________________________ 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 have a question, message assistant@erinskyekelly.com  To sponsor someone into the Get The Hell Out Of Debt program, email Keri at info@erinskyekelly.com   For personal coaching info, email Keri at info@erinskyekelly.com Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course  Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you  Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly  Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email Erin.Kelly@dlcme.ca.  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

31 Mar 202241min

We talk about Erin's money mistakes and how to celebrate wins, big and small. And Erin describes (in far too much detail) how she came up with Money Bunnies  Here's the link to the Classes of Experience podcast: https://getthehelloutofdebt.libsyn.com/classes-of-experiences _________________________ 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 have a question, message assistant@erinskyekelly.com  To sponsor someone into the Get The Hell Out Of Debt program, email Keri at info@erinskyekelly.com   For personal coaching info, email Keri at info@erinskyekelly.com Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course  Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you  Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly  Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email Erin.Kelly@dlcme.ca.  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

24 Mar 202225min

We answer your questions about what it’s like when you have to start over, and how to make sure your kids are financially successful! We have a course called How to Teach Your Kids About Money. You can find more info at these links: https://www.erinskyekelly.com/how-to-teach-your-kids-about-money https://www.erinskyekelly.com/offers/FTR2zmNh/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. If you have a question, message assistant@erinskyekelly.com  To sponsor someone into the Get The Hell Out Of Debt program, email Keri at info@erinskyekelly.com   For personal coaching info, email Keri at info@erinskyekelly.com Click here to register for the online course: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course  Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you  Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly  Sign up for the fun/informative newsletter:https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email Erin.Kelly@dlcme.ca.  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

17 Mar 202231min

I want to introduce you to Tracie. She knew she needed a financial change when she watched her friends complete the Get the Hell Out of Debt program and she was in the middle of a divorce. Hear her success story in her own words.  _________________________ 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 have a question, message assistant@erinskyekelly.com  To sponsor someone into the Get The Hell Out Of Debt program, email Keri at info@erinskyekelly.com   For personal coaching info, email Keri at info@erinskyekelly.com Get the book, Get the Hell Out of Debt from any of these online retailers - https://www.erinskyekelly.com/gthood-book-thank-you  Free resources here: www.financialtransformation.ca Share your theme song with us! Speakpipe link: https://www.speakpipe.com/erinskyekelly  Sign up for the fun/informative newsletter: https://www.erinskyekelly.com/sign-up-for-newsletter _________________________ Erin is also a licensed mortgage associate in Canada and if you want her to handle your mortgage needs, email Erin.Kelly@dlcme.ca.  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

10 Mar 202228min