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Cash is one of the top tools that you can use to get your finances in order and win with money. It's also one of the best tools you can use to get out of debt, stop fighting with your spouse and stop feeling broke all the time. Listen for the 7 reasons you should be using cash! We're also giving you 3 simple steps to use so you can give using cash a try! Also, sign up for our fun 2 week cash challenge! https://myidealbalance.com/2021/04/20/why-how-you-should-be-using-cash/
We are teaching you everything you need to know about your Emergency Fund! This is a great review for anyone who is already working on getting debt free but also great information for anyone looking to get started on their financial journal and stop stressing so much about money! We advise clients when they are first beginning on their journey to start with $1,000 in the Emergency Fund. It’s not your savings for your vacation, it’s not your investments, it’s set aside specifically to plan for the things you can’t plan for: emergencies!  This episode covers:  ✔️ What an Emergency Fund is  ✔️ Why you need one  ✔️ How to use it + we have an awesome freebie for you! It’s a coloring sheet for you to use as you build your Emergency Fund.  → Access here https://myidealbalance.com/2021/05/12/everything-you-need-to-know-about-an-emergency-fund  Looking for a financial coach? Learn more at https://myidealbalance.com/finance To see the incredible podcast booth: https://photos.app.goo.gl/4Dgc1A27tjXzuWJv8

21. How you can EASILY calculate your own retirement numbers THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.

Today we’re going to talk about retirement. Whether you’re young or mature (😉) you want to pay attention. You might be doing a lot of work to get your finances in order and budget correctly, but if you don’t understand the end goal, you can lose motivation. Today we want to tell you about a simple concept called the 4% rule that can help you know exactly when you can plan to retire. It may be sooner than you think and it hopefully is much simpler than you think. So, let’s dive in.  In this episode we cover:  ✔️ How to figure out HOW MUCH you need to retire  ✔️ How to figure out how much you need in your investments in order to retire  ✔️ The simple and easy rule you can follow to manage retirement  ✔️ The pros & cons of the 4% rule  Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.  This episode is also available as a blog post: https://myidealbalance.com/2022/01/17/how-you-can-easily-calculate-your-own-retirement-numbers/
If you’ve ever had months where it seems like every piper has come to be paid, this is the tool for you! Sinking funds will help you to alleviate those months where it seems like the property taxes are due and two birthdays are coming up and for some reason it’s also the month Amazon Prime renews. Gross!  In this episode we cover:  ✔️ What a sinking fund is  ✔️ Why you need a sinking fund  ✔️ Examples of FUN sinking funds (saving for vacation)  ✔️ Examples of regular ol’ adulting sinking funds (car maintenance)  ✔️ How to brainstorm, plan and budget your unique savings goals with sinking funds Where to put your money when you’re saving it whether you’re new or disciplined with budgeting.  This episode is available as a blog post and your amazing sinking fund planner is available at the link below: https://myidealbalance.com/2020/09/09/what-is-a-sinking-fund-and-do-you-need-one-or-five/  Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

33. Do you need a digital envelope system? Learn to manage money using the habits you already have! THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.

Money management & personal finance can be complicated but we want to make it simple & easy for you which is why we are sharing the concept of a digital envelope system with you. This system works with your natural money habits and behavior to help you manage your money responsibly & efficiently.  In this episode we cover:  ✔️ When you should use cash versus when you should use this system  ✔️ What accounts you should open to manage your money digitally  ✔️ How many accounts (budget categories) you should have open  ✔️ Two key hacks for using “bank account balancing”  ✔️ The exact system to track exactly each budget category for the month by keeping your money in specific accounts  If you want help with any of this, fill this quick form out and we'll be in touch. This episode is also available as a blog post: https://myidealbalance.com/2020/09/09/do-you-need-a-digital-envelope-system/

11. Cash for Christmas: How to avoid debt and be able to joyfully give THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.

Imagine this: This holiday season you spend your time enjoying your family, making memories and finally feeling like you got it right. Our friends, we are here to tell you exactly how to enjoy your holiday giving this year! We are sharing the four steps you need to get it right this season!  This episode covers:  ✔️ How to define the perfect Christmas (not what you think)  ✔️ How to create a budget for your time and your money  ✔️ How to plan to FULLY FUND your Christmas budget for next year  ✔️ Tips & strategies to have a stress-free, debt-free Christmas  + we have an awesome freebie for you! It’s a Christmas Planner Workbook to help you cast vision about what you & your family want, how to plan & prioritize it and then how to fund it! https://myidealbalance.com/2021/11/13/cash-for-christmas-how-to-avoid-debt-and-be-able-to-joyfully-give/  + we have another freebie for you! It’s a gift guide: 100 Clutter-Free Gift Ideas https://myidealbalance.com/2021/11/13/100-clutter-free-gift-ideas/  Looking for a financial coach? Learn more at https://myidealbalance.com/finance  Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching, health coaching. We also offer personal training and home organization locally here in Navarre, Florida. Fill out the information below if you’re interested in our help and we will contact you.  This episode is also available as a blog post: https://myidealbalance.com/2021/11/13/cash-for-christmas-how-to-avoid-debt-and-be-able-to-joyfully-give/