Your Mortgage Questions Answered LIVE - Part 2

Your Mortgage Questions Answered LIVE - Part 2

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

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Hobby Or Job?

Hobby Or Job?

You know that hobby you swore would pay for itself one day? Erin and Keri tackle what happens when creativity meets cash flow. If you’ve ever found yourself quietly avoiding the budget convo by hiding out in your craft room, this one’s for you. Grab a coffee, a glue stick, and your calculator. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Ava. Download the Ava app here: https://meetava.app.link/webdownload Use the promo code: ERIN and get your first month free. Thanks to Bilt for sponsoring this episode. Start paying rent through Bilt and take advantage of your Neighborhood Benefits™ by going to joinbilt.com/SKYE Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Leave us a message at: https://www.speakpipe.com/erinskyekelly Learn more about your ad choices. Visit megaphone.fm/adchoices

22 Juli 28min

When Life's A Wreck

When Life's A Wreck

One listener writes in with a simple question and Erin turns it into a masterclass in starting over with sass and strategy. This episode is all about what to do when life flips the table: when the relationship ends, the debt lingers, and you need a plan, not a pity party. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by Ava. Download the Ava app here: https://meetava.app.link/webdownload Use the promo code: ERIN and get your first month free. Thanks to Bilt for sponsoring this episode. Start paying rent through Bilt and take advantage of your Neighborhood Benefits™ by going to joinbilt.com/SKYE Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Leave us a message at: https://www.speakpipe.com/erinskyekelly Learn more about your ad choices. Visit megaphone.fm/adchoices

21 Juli 33min

Lisa Pays Off $19,000

Lisa Pays Off $19,000

She had $19,443.90 in debt, two kids, and a business built on elbow grease. Now she’s got peace of mind, a profitable company, and bigger dreams than ever. Erin and Keri chat with Lisa, a business owner who didn’t just get out of debt, she built a life she loves. If you are a small business owner like Lisa, this episode is loaded with advice to get you to the next level.  Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by ZocDoc. Visit ZocDoc.com/SKYE to find and instantly book a top rated doctor today.  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Leave us a message at: https://www.speakpipe.com/erinskyekelly Learn more about your ad choices. Visit megaphone.fm/adchoices

16 Juli 45min

Financial Trends in 2025

Financial Trends in 2025

Whether it's the latest investment craze, a quiet shift in consumer behavior, or new tech changing how we spend, save, and earn it's important to be in the know. But it's also important to use critical thinking skills and discernment to determine where to put your cash. Because in a world where the economy changes faster than your algorithm, financial literacy is your superpower. If you want to build wealth, listen to this episode, and subscribe so you don't miss an opportunity in the future. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by ZocDoc. Visit ZocDoc.com/SKYE to find and instantly book a top rated doctor today.  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Leave us a message at: https://www.speakpipe.com/erinskyekelly Learn more about your ad choices. Visit megaphone.fm/adchoices

15 Juli 30min

Money Crash Diet

Money Crash Diet

Remember that time you foolishly tried to lose five pounds by doing something drastic? Erin and Keri are breaking down the financial equivalent: the Money Crash Diet. Is it smart? Is it sustainable? Is it just another fad with a side of guilt? Tune in for a convo that will have you logging into your online banking with new clarity. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by ZocDoc. Visit ZocDoc.com/SKYE to find and instantly book a top rated doctor today.  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Leave us a message at: https://www.speakpipe.com/erinskyekelly Learn more about your ad choices. Visit megaphone.fm/adchoices

14 Juli 27min

When Your Aunt Meets An Escort

When Your Aunt Meets An Escort

After an 85-year-old woman  left her fortune to her escort, we called up Daniel Goldgut from Epilogue to help us make sense of the legal (and emotional) fallout that happens when your final wishes surprise your family. This conversation has everything: a spicy backstory, courtroom drama, financial planning tips, and yes, a deep dive into why you really should have a will, even if you’re not planning to leave it all to a Tinder date. If you are in Canada, check out Epilogue here: https://api.fintelconnect.com/t/l/65ca37ea70029b001b49dd37 Use code: ERIN20  For our US listeners, you can check out: https://trustandwill.sjv.io/rQYqnd Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/SKYE and get on your way to being your best self. Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Leave us a message at: https://www.speakpipe.com/erinskyekelly Learn more about your ad choices. Visit megaphone.fm/adchoices

9 Juli 34min

The Importance Of Taking Risks

The Importance Of Taking Risks

If you’ve ever found yourself overthinking a money move, or staying put in a job, relationship, or financial rut because it feels safe, this episode is going to turn you into a strong decision-maker. You’ll learn the emotional and strategic power of taking smart risks, and how to master your greatest asset on the journey to financial independence. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/SKYE and get on your way to being your best self. Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Leave us a message at: https://www.speakpipe.com/erinskyekelly Learn more about your ad choices. Visit megaphone.fm/adchoices

8 Juli 40min

Predict How Wealthy You’ll Be

Predict How Wealthy You’ll Be

You're not reckless, but you are ready for more. More security, more freedom, more “I’ve got this” energy when it comes to your money. Erin breaks down the surprisingly simple (but wildly overlooked) habits that help you grow wealth with intention. It’s time to stop winging it, and start planning like your future depends on it. Because it does. Join our online community: www.getthehelloutofdebt.com  Today’s episode is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/SKYE and get on your way to being your best self. Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Leave us a message at: https://www.speakpipe.com/erinskyekelly Learn more about your ad choices. Visit megaphone.fm/adchoices

7 Juli 26min

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