Fixed or Adjustable Rate Mortgages?

Fixed or Adjustable Rate Mortgages?

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

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Rich Girl Field Trips

Rich Girl Field Trips

Sometimes the best way to level up is to simply walk through doors you think aren’t meant for you. Erin and Keri show how exposure to abundance can spark practical, doable changes in your financial life. Time to book your rich girl field trip!  Join our online community: www.getthehelloutofdebt.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Today’s episode is brought to you by BetterHelp. Get 10% off your first month at BetterHelp.com/skye   Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

24 Sep 24min

Maybe Your Bank Owes YOU

Maybe Your Bank Owes YOU

Erin and Keri celebrate listener Mandy’s huge win paying off back taxes, explain why your house might not be the asset you think it is, and show how catching one small banking error can save thousands.  Join our online community: www.getthehelloutofdebt.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Today’s episode is brought to you by BetterHelp. Get 10% off your first month at BetterHelp.com/skye   Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

23 Sep 27min

Cash-Tastrophes

Cash-Tastrophes

She wanted an affordable way to get around. He wanted to upsell a bike. Can you guess who won? What happens next isn’t about shame, it’s about reclaiming control. Erin and Keri peel back the layers of impulse spending, sneaky marketing tricks, and the “one little treat” mentality that keeps so many smart women stuck. They might just change how you handle your next Target run. Join our online community: www.getthehelloutofdebt.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Today’s episode is brought to you by BetterHelp. Get 10% off your first month at BetterHelp.com/skye Give your closet an upgrade with Quince. Go to ⁠quince.com/erin⁠ for free shipping on your order and 365-day returns. Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Sophie Grace website: https://www.sophiegrace.ca/  Learn more about your ad choices. Visit megaphone.fm/adchoices

22 Sep 37min

Sex For Money In Marriage

Sex For Money In Marriage

Have you seen that “I can’t pay the mortgage” TikTok trend? Erin shares five eye-opening reasons every woman, married or not, needs to know exactly where the money is, from basic security to modeling healthy habits for kids. She unpacks partnership, power, and why sex should never be a bargaining chip for paying bills. Join our online community: www.getthehelloutofdebt.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Today’s episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/    Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

17 Sep 20min

The Money Confessional Is Open

The Money Confessional Is Open

Listeners share their deepest, darkest and most cringe-worthy money confessions. Erin has valuable takeaways, and Keri has only shock and awe. These true tales prove that everyone has a financial “oops” moment, and that each one can teach us something. Share your Money Confessional here: www.speakpipe.com/erinskyekelly  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

16 Sep 31min

What's Your Work Worth?

What's Your Work Worth?

Ever poured your heart, and countless hours, into a business while your bank account stays stubbornly quiet? Erin and Keri tackle the money talk too many women avoid: when to finally start paying yourself. Erin reveals how to balance loans, cash flow, and your own well-being so your dream doesn’t turn into a resentful, unpaid gig. Join our online community: www.getthehelloutofdebt.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Today’s episode is brought to you by Air Doctor Pro. Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/ Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

15 Sep 26min

The Price Of Playing Small

The Price Of Playing Small

When a troll tries to shame a community member for reselling clearance shoes, Erin and Keri dig into what’s really behind those petty comments: money stories. They unpack how judgment, fear, and comparison can shrink your finances, and how to push past it so you can stop playing small and start living big. Join our online community: www.getthehelloutofdebt.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Today’s episode is brought to you by Ava. Download the Ava app here: https://meetava.app.link/webdownload Use the promo code: ERINSKYE and get your first month free. Check out the Online Selling Success course here: https://www.erinskyekelly.com/offers/tWh2mTJp/checkout  Link to Erin’s fave event shoes: https://amzn.to/4m5uZaN  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

10 Sep 28min

Extra Expensive Extracurriculars

Extra Expensive Extracurriculars

Your kid signs up for soccer, piano, and drama, and suddenly your budget needs CPR. Erin and Keri dive into the often-overlooked expenses of extracurriculars (yes, even the “optional” sweatshirt everyone else is buying). They share smart strategies for saving money, teaching kids ownership, and avoiding the financial concussions that come with all those fees. Join our online community: www.getthehelloutofdebt.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Today’s episode is brought to you by Ava. Download the Ava app here: https://meetava.app.link/webdownload Use the promo code: ERINSKYE and get your first month free. Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

9 Sep 24min

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