http://financialexcellence.net Normal is Broke and in Debt. Choose to be WEIRD. Be DEBT FREE! Wed, 01 Feb 2012 17:07:13 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 http://feeds.feedburner.com/financialexcellence/XEgm Embracing Debt Free Living and Building Wealth the old fashioned way - by working hard and saving money! Tips and Tools for L.I.F.E. - Living In Financial Excellence Matt Wegner clean Matt Wegner matt@mattwegnercoaching.com matt@mattwegnercoaching.com (Matt Wegner) Copyright © 2011 Financial Excellence, all rights reserved Where L.I.F.E. and Money Come Together money, financial freedom, career, small business, investing, budget, debt, free, credit, budgeting, business, finance http://financialexcellence.net/wp-content/uploads/powerpress/Podcast_Cover_Art-217.jpg http://financialexcellence.net TV-G Financial Excellence Studios, Sheboygan, WI Weekly http://financialexcellence.net/093-financial-excellence-handling-business-criticism-suze-ormans-approved-card/ http://financialexcellence.net/093-financial-excellence-handling-business-criticism-suze-ormans-approved-card/#comments Tue, 17 Jan 2012 17:47:05 +0000 Matt Wegner http://financialexcellence.net/?p=44423 Continue reading →]]> http://financialexcellence.net/093-financial-excellence-handling-business-criticism-suze-ormans-approved-card/feed/ 5 Approved Card,business criticism,credit card,debit card,debt,financial coaching,Money Plan SOS,pre-paid debit card,Prepaid card,Small Business,Suze Orman Episode 93: How to Handle Criticism of your Business, Thoughts on Suze Orman's Approved Card, Jan 10, 2012. Today I talk about how I personally handle criticism and rejection in my business. I also offer my thoughts on Suze Orman's new Approved Card. Episode 93: How to Handle Criticism of your Business, Thoughts on Suze Orman's Approved Card, Jan 10, 2012. Today I talk about how I personally handle criticism and rejection in my business. I also offer my thoughts on Suze Orman's new Approved Card. Sponsor: MozyPro Online Backup: Simple, Automatic & Secure Backup http://mozy.com/pro // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ // < ![CDATA[ var a=new Date();d=document;n=navigator;s=screen;var q='&tz='+a.getTimezoneOffset()/60 +'&ck='+(n.cookieEnabled?'Y':'N') +'&jv='+(n.javaEnabled()?'Y':'N') +'&scr='+s.width+'x'+s.height+'x'+s.colorDepth +'&z='+Math.random() +'&ref='+escape(d.referrer.substr(0,255)) +'&uri='+escape(d.URL.substr(0,255));document.write(''); // ]]>   Don't forget: Living In Financial Excellence airs LIVE every Tuesday at 10 a.m. CST. You can watch live and join the chat at financialexcellence.net/live-show Show notes: We have a new sponsor for the podcast. Mozy Pro for Business is a fast, simple way to back up your business so you don't have to worry when your hard drive crashes. For a long time, I've asked listeners to leave a review on iTunes so other potential listeners can decide if this is a good show to listen to. Well, we got a few not-exactly-glowing reviews. I talk about how I deal with the less-than-positive feedback. I've also received negative feedback from clients. It's easy to take that personally, but I share how I turn the negative feedback into something good. Sometimes you don't get any feedback from customers except that they don't return your calls. It's important to qualify your customers and clients in advance so you can avoid these situations. I mentioned John G. Miller's book, "QBQ: The Question Behind the Question in the show. Here's a link to purchase his book and save some $$ on Amazon: Steve Stewart at Money Plan SOS wrote a great blog post about Suze Orman's Approved Card on his blog. Rather than reinvent the wheel, I thought I would share Steve's thoughts and add a few of my own. He did a wonderful job of breaking it down, and I appreciate him unknowingly saving me some work ;o). A summary of my thoughts about Suze's card? There aren't any real benefits, and it costs you a monthly fee to have no added benefit. But there's a lot of discussion on the show, so you'll have to listen in for the specifics. You can influence what we talk about in future shows. Simply fill out this three-minute survey. Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback!   Matt Wegner clean 50:14 Join the forum discussion on this post Episode 93: How to Handle Criticism of your Business, Thoughts on Suze Orman’s Approved Card, Jan 10, 2012. Today I talk about how I personally handle criticism and rejection in my business. I … Continue reading → http://financialexcellence.net/top-5-reasons-debt-is-like-the-matrix/ http://financialexcellence.net/top-5-reasons-debt-is-like-the-matrix/#comments Thu, 15 Dec 2011 16:00:58 +0000 Steve MoneyPlanSOS Stewart http://financialexcellence.net/?p=43912 Continue reading →]]> http://financialexcellence.net/top-5-reasons-debt-is-like-the-matrix/feed/ 5 Reasons why being in Debt is like the Matrix: #5 – It takes a lot of fancy moves to escape it #4 – The “Machine” needs you in order to stay alive #3 – No matter how much we are … Continue reading → http://financialexcellence.net/why-0-interest-isnt-free-money/ http://financialexcellence.net/why-0-interest-isnt-free-money/#comments Wed, 20 Jul 2011 14:00:00 +0000 Matt Wegner http://financialexcellence.net/?p=43365 Continue reading →]]> http://financialexcellence.net/why-0-interest-isnt-free-money/feed/ 2 No Interest Loans Still Cost You Plenty It seems like every day I hear someone talking about how they got a great deal on something because they got 0% financing. 0% means it’s free money, right? Well, it sounds like … Continue reading → http://financialexcellence.net/dont-be-a-financial-eeyore-unleash-your-inner-tigger/ http://financialexcellence.net/dont-be-a-financial-eeyore-unleash-your-inner-tigger/#comments Mon, 27 Jun 2011 17:15:37 +0000 Matt Wegner http://financialexcellence.net/?p=42968 Continue reading →]]> http://financialexcellence.net/dont-be-a-financial-eeyore-unleash-your-inner-tigger/feed/ 0 Eeyore, Tigger, and your Personal Finances As a parent of young kids, I’m very familiar with the Winnie the Pooh series of books and movies. I have to admit, the characters are fun and entertaining to follow through their escapades … Continue reading → http://financialexcellence.net/065-financial-excellence-4-steps-to-living-without-credit-cards/ http://financialexcellence.net/065-financial-excellence-4-steps-to-living-without-credit-cards/#comments Tue, 21 Jun 2011 17:10:31 +0000 Matt Wegner http://financialexcellence.net/?p=42865 Continue reading →]]> http://financialexcellence.net/065-financial-excellence-4-steps-to-living-without-credit-cards/feed/ 1 credit,credit cards,debt,financial coaching Episode 65: (Live Show) Four Simple Steps to Living Without Credit Cards & When you Should Become a Financial Coach, June 21, 2011. Our lead financial coach Kevin Suddick filled in for Janelle again today as we finished his story about how and why he ... Episode 65: (Live Show) Four Simple Steps to Living Without Credit Cards & When you Should Become a Financial Coach, June 21, 2011. Our lead financial coach Kevin Suddick filled in for Janelle again today as we finished his story about how and why he became a financial coach. We then brought on financial coach Steve Stewart with Money Plan SOS to discuss how to wean yourself off of using credit cards slowly. Oh, and thanks to everyone in the live chat during the show. You made it a lot of fun! Living In Financial Excellence airs LIVE every Tuesday at 10 a.m. CST. You can watch live and join the chat at financialexcellence.net/live-show Show notes: Kevin didn't become a financial coach to make money and pay off debt. he became a coach because he was debt free except his house, and he wanted others to feel that sense of success. Kevin trained with Dave Ramsey's staff in Brentwood, TN. That's the same training I went through in 2007. It's important to me that our team members give consistent advice to our clients. I like to quit credit cards cold turkey and cut them up, but my friend Steve Stewart has a different approach. His approach is four simple steps, and it's a more gradual approach to living with out the credit cards. It's a great approach for you if you're reluctant to take the plunge and cut up the cards. Here's what Steve recommends. You'll have to listen in to see how and why these steps are so effective for living debt free. Step 1: Remove the cards from your wallet or purse. Step 2: Delete your credit card numbers from online accounts. Step 3: Call the credit card companies and close the accounts. Step 4: Cut up the credit cards. This process takes several weeks or months to complete and there are things you need to substitute for your credit cards for every step. Listen in to learn how to complete this process with confidence. You can influence what we talk about in future shows. Simply fill out this three-minute survey. Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback!     Matt Wegner clean 44:42 Join the forum discussion on this postEpisode 65: (Live Show) Four Simple Steps to Living Without Credit Cards & When you Should Become a Financial Coach, June 21, 2011. Our lead financial coach Kevin Suddick filled in for Janelle again … Continue reading → http://financialexcellence.net/064-financial-excellence-dump-65k-of-debt-in-2-years/ http://financialexcellence.net/064-financial-excellence-dump-65k-of-debt-in-2-years/#comments Tue, 14 Jun 2011 16:49:40 +0000 Matt Wegner http://financialexcellence.net/?p=42718 Continue reading →]]> http://financialexcellence.net/064-financial-excellence-dump-65k-of-debt-in-2-years/feed/ 0 Career Development,debt,debt free.,eliminating debt,Personal finance Episode 64: (Live Show) How to eliminate $65k of Debt in Two Years, June 14, 2011. We did another live show today and since we had so much fun, I think we'll be doing them on a regular basis. Today our lead financial coach Kevin Suddick filled in for ... Episode 64: (Live Show) How to eliminate $65k of Debt in Two Years, June 14, 2011. We did another live show today and since we had so much fun, I think we'll be doing them on a regular basis. Today our lead financial coach Kevin Suddick filled in for Janelle and we talked about his story and how he & his wife Lori eliminated a bunch of debt in a short time. The live shows will be every Tuesday at 10 a.m. CST. You can watch live and join the chat at financialexcellence.net/live-show Show notes: Kevin grew up in Detroit in a very manufacturing oriented environment. With a degree in telecommunications he promptly pursued several career paths that had nothing to do with his degree. My favorite job that Kevin held was as a boat captain for an island-bound amusement park in the Detroit area. Later in life Kevin and his wife Lori moved to Green Bay, WI. It was during their stay in Green Bay that Kevin woke up and realized he had $65,000 in debt and no plan except to go deeper in debt. Kevin wised up and began talking with (and listening to) his wife about their debt situation. He realized (finally) that their debt made his wife very nervous and he resolved to fix the situation. Kevin shares how they became debt free except the house in just over two years. His story is a good motivator for listeners wondering how to fix their finances. You can influence what we talk about in future shows. Simply fill out this three-minute survey. Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback!     Matt Wegner clean 47:25 Join the forum discussion on this postEpisode 64: (Live Show) How to eliminate $65k of Debt in Two Years, June 14, 2011. We did another live show today and since we had so much fun, I think we’ll be doing … Continue reading → http://financialexcellence.net/059-financial-excellence-paying-for-college-without-student-loans/ http://financialexcellence.net/059-financial-excellence-paying-for-college-without-student-loans/#comments Wed, 11 May 2011 14:15:34 +0000 Matt Wegner http://financialexcellence.net/?p=40765 Continue reading →]]> http://financialexcellence.net/059-financial-excellence-paying-for-college-without-student-loans/feed/ 1 college,debt,education,student loans Episode 59: Paying for College without Student Loans, May 11, 2011. This week we dip into the mailbag to answer a question about paying for college without taking on student loans. Show notes: We need some feedback about whether we should do a li... Episode 59: Paying for College without Student Loans, May 11, 2011. This week we dip into the mailbag to answer a question about paying for college without taking on student loans. Show notes: We need some feedback about whether we should do a live show or not. If we do, what day and time work for you? Let us know by sending an email to mailbag@financialexcellence.net. Matt has been very blessed to pay for most of his education through this military service. There are similar programs out there to help you pay for higher education without going into debt. We've got some exciting news coming up but we're not sharing it yet. Can you guess what it is? You can influence what we talk about in future shows. Simply fill out this three-minute survey. Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback!     Matt Wegner clean 45:01 Join the forum discussion on this postEpisode 59: Paying for College without Student Loans, May 11, 2011. This week we dip into the mailbag to answer a question about paying for college without taking on student loans. Show notes: We … Continue reading → http://financialexcellence.net/financial-literacy-month-question-of-the-day-april-30-2011/ http://financialexcellence.net/financial-literacy-month-question-of-the-day-april-30-2011/#comments Sat, 30 Apr 2011 13:06:35 +0000 Matt Wegner http://financialexcellence.net/?p=40565 Continue reading →]]> http://financialexcellence.net/financial-literacy-month-question-of-the-day-april-30-2011/feed/ 0 I will start my “get-out-of-debt-plan” when… A) I get the “big raise” B) Gas prices go down C) When the Sheriff arrives at my door to serve court papers D) Today Make the change today. Turn off the TV and … Continue reading → http://financialexcellence.net/057-financial-excellence-real-life-financial-coaching-case-study/ http://financialexcellence.net/057-financial-excellence-real-life-financial-coaching-case-study/#comments Wed, 27 Apr 2011 10:37:08 +0000 Matt Wegner http://financialexcellence.net/?p=40502 Continue reading →]]> http://financialexcellence.net/057-financial-excellence-real-life-financial-coaching-case-study/feed/ 1 business,credit cards,debt,payroll,taxes Episode 57: Real Life Financial Case Study with Financial Coach Steve Stewart, April 27, 2011. This week (as we promised several weeks ago) we are airing our guest appearance on the Money Plan SOS podcast with fellow coach Steve Stewart. Show notes: Episode 57: Real Life Financial Case Study with Financial Coach Steve Stewart, April 27, 2011. This week (as we promised several weeks ago) we are airing our guest appearance on the Money Plan SOS podcast with fellow coach Steve Stewart. Show notes: We discuss a real couple's financial situation. They have a construction-related business with a lot of debt from the business and a lot of personal debt as well. Steve tuned into how the spouse feels during times of financial stress. We sometimes get carried away talking about what to do and we sometimes forget to think about how it feels to be in these situations. When you're self employed, you have to make sure the business is profitable and set aside money for taxes. If you don't, it WILL catch up with you like it did for this couple. You can influence what we talk about in future shows. Simply fill out this three-minute survey. Like what you hear? Visit the iTunes store and leave a review or leave a comment below. Or call our listener feedback line and leave a voice message that we can share on the air. As always, we appreciate your feedback!     Matt Wegner clean 45:58 Join the forum discussion on this postEpisode 57: Real Life Financial Case Study with Financial Coach Steve Stewart, April 27, 2011. This week (as we promised several weeks ago) we are airing our guest appearance on the Money Plan SOS … Continue reading → http://financialexcellence.net/financial-excellence-month-question-of-the-day-april-26th-2011/ http://financialexcellence.net/financial-excellence-month-question-of-the-day-april-26th-2011/#comments Tue, 26 Apr 2011 13:49:07 +0000 Matt Wegner http://financialexcellence.net/?p=40488 Continue reading →]]> http://financialexcellence.net/financial-excellence-month-question-of-the-day-april-26th-2011/feed/ 0 If you were to pass away while in debt would your… A) Debt be forgiven B) Heirs be responsible for the debt C) Estate be responsible for the debt D) Dreams of being Debt Free finally be “realized” Here’s the … Continue reading →