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What is inflation?
Bricks and 2 X 4’s: Then and now.
Gold/Silver prices: The true barometer of inflation.
Inflation is a tax.
More dollars to buy same thing means you spend more time working and less time discovering the real you.
Resource:
GoldSilver.com
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greg [at] debtshepherd [dot] com
There is no need to copyright truth.
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Don’t Take Anything Personally
“Nothing others do is because of you. What others say and do is a projection of their own reality, their own dream. When you are immune to the opinions and actions of others, you won’t be the victim of needless suffering.”
― Miguel Ruiz, The Four Agreements: A Practical Guide to Personal Freedom
Ever heard these from your parents, for example?
“You don’t appreciate anything. We’ve sacrificed so much for you. We work hard to send you to college.”
As if you asked to be brought into this world. As if you asked them to work two jobs and pay your way through school. Don’t let them guilt trip you. They either aren’t aware or are denying why they’re paying your way through college in the first place.
Be appreciative, yes, but not eternally indebted to them for what they’ve done. They do it by choice.
More importantly, don’t guilt trip yourself for having been on the receiving end of anyone’s money, charity, time, or attention. This creates endless suffering in the world.
Poverty is NOT spiritual. Neither is wealth. Neither one will get you closer to God.
Resources:
The Four Agreements: A Practical Guide to Personal Freedom
Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com
There is no need to copyright truth
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In this 113th episode I talk with Oscar Smith about the importance of financial communication in family & relationships.
Questions:
– Who should be talking about money and why?
– Why wouldn’t they talk about money? The biggest reason people don’t or won’t.
– What happens when we don’t talk about money in our relationships?
Observations:
– Money arguments
– Money secrets
Parting Thoughts:
Start the conversation as early as possible in a relationship.
Keep the money conversation open.
Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com
There is no need to copyright truth
PODCAST AUDIO – click to listen
In this 112th episode I talk about the Ugly Math of your savings account with my friend Oscar Smith.
Questions:
Do you save?
Why do you save?
How much?
How often?
Danger of thinking “I’ll start saving when….”
Tip for the day:
It’s easier to save $1 out of every $10 now than to wait until you have the ability to save $100 out of every $1,000. Get started early. Saving is like a muscle. It’s a habit that needs to be exercised regularly.
Personal Responsibility:
Your current finances are the result of your accumulated financial decisions over time.
Saving a dime of every dollar can change your life!
Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com
There is no need to copyright truth
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Title pawn loans, pay day loans, rent-to-own. They all practice what’s called Ugly Math. You pay ridiculously high fees and rates of interest.
In this episode I sit down with Oscar Smith and we discuss what ugly math is, how to avoid it, and why it’s important. Oscar and I are working to make ugly math a weekly episode.
Resources:
Oscar Smith
Give us a call on our voicemail listener feedback line at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com
There is no need to copyright truth
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How much time do you spend thinking about money? More than you’re probably aware. Try to go a day without saying any words about money.
The thoughts you think about money are the thoughts you think about energy, life, and God. You are literally shaping your universe by how you think.
Think poor? Live poor. Think abundant? Live abundant.
Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com
There is no need to copyright the truth
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In this 102nd episode about Spirituality & Money I spend time with author, educator, and philosopher Ahyh. You can find him and his latest book at The Future Testament
Spirituality & Money interview content:
How are they connected?
Is there a difference between spirituality & money?
The 4 main areas of life: Money / Pleasure / Service / God
When do you think people will start waking up?
Where will people turn when times get hard?
Who will be the new sage(s) of the age?
Quote from The Future Testament.net:
“It boils down to this: Our ideas are too small. In the 21st century, it is time to have our religious ideas take a quantum leap into the present, just like our understandings of biology, chemistry and physics have grown so astronomically in the last few years.”
Resources:
The Future Testament
Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com
Copyright 2013 – Greg A. Whitaker
PODCAST AUDIO – click to play
Looking for a little extra money each month? Who isn’t, right? Before you look at a part time job, work more hours, or ask for a raise take a look at your household expenses. Is there any money leaking out? In other words, are there some things you could stop spending on and not go into cardiac arrest as a result?
I recently shaved $130 off my budget by making a few small changes. You can too.
1) Switched car insurance. Cut my cost in HALF. No decrease in coverage, same deductible.
2) Discontinued an E-zine subscription. I still get the news story headlines and overview.
3) Cancelled subscription for internet radio. I still get air time of 30 min/day instead of 2 hrs.
4) Cancelled a satellite radio subscription. Had two radios, now we share the remaining radio.
Grand total in monthly savings? $130. I just got a raise. That’s money that was being paid out that is now staying in my pocket. What’s the bid deal, $130/mo? Let’s see what you could do with that money:
1) Pre-pay a $100k mortgage. Pay it off about 7 yrs. faster. Can you say early retirement?
2) Make a car payment for some wheels you really need.
3) Pre-pay that student loan that’s been following you around like a bad odor.
4) Start a small business.
5) Save the money.
We’re talking about repurposing some money. Decrease what’s going out and put it to better use. Absolutely nothing in your spending plan that can be adjusted? Really need more money to get something going? Then explore a part time job or work more hours at your current job.
Resource:
Dan Miller – 48 days
Give us a call on our voicemail feedback hotline at 615-200-7189 or drop Greg an email at:
greg [at] debtshepherd [dot] com
There is no need to copyright truth
