Listen Now

Sometimes cutting expenses just isn't enough. Sometimes, to reach your financial goals, you need to bring in more money. Here are some tips and things to consider when determining the best way for you to increase your income.   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment   Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/vanessalinenbergerwebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Zovig Garboushian is the founder and head coach of Boldness Ablaze where she helps ambitious women reach for more. We had a really great conversation around women and goals and money. If you'd like to learn more about Zovig and her coaching  you can email her at zovig@boldnessablaze.com or check out her website: https://boldnessablazecoaching.com/   6 Weeks to Bolder Living program: https://boldnessablazecoaching.com/6-weeks-live-bolder/   newsletter sign up: https://boldnessablazecoaching.us4.list-manage.com/subscribe?u=4ba455a06eac79fff72fdbb72&id=bd763d9aae     Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

There are different types of budgets and each has features that are beneficial and help some people more than others. Finding one that resonates with you and how you think about money will help you achieve your financial goals. Today I’m going to talk about 4 different types of budgeting styles that are each a little bit different in the approach but all promote intentional spending and aligning your spending with your goals. 1. Zero Based Budgeting 2. Envelope Method 3. Reverse Budgeting 4. 50/30/20 Method   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0  

Money is the greatest stressor and cause for divorce so getting ahead of it and opening up that conversation is crucial. Today, I'm sharing the 5 topics you should discuss with your partner. Joint or separate accounts Budgeting Debt Retirement Children The key is to have these conversations right away and continually. Things change and circumstances shift, so staying in constant communication will help avoid being blindsided by something that can be detrimental to your relationship. And, above all, be open and give each other grace. This is a hard topic but you are both on the same team.  Need some help navigating these conversations? I can help! Schedule a free call with me and we can chat! https://calendly.com/vanessajane/30minassessment   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0    

If you have any questions about mortgages, the different types, how to qualify, how to prepare for buying a home, then this episode is for you! We also discuss the current housing market and the different factors that helped get us here. This was such a good interview with tons of great info!   If you're in the PNW and need a mortgage specialist, Rick is who you need to talk to!  Rick Robertson, Certified Mortgage Planning Specialist, MLO-120044 Email: Rick.Robertson@axiahomeloans.com https://axiahomeloans.com/RickRobertson/   Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

The decision to lease or buy a vehicle depends on your needs and priorities. Good times to lease are if you only need a car for a few years or plan to replace your vehicle every couple years anyway. Purchasing comes with higher monthly payments, but in the long run might still be cheaper for you. Today's episode covers some of the pros and cons of each option and how to determine which is best for you. Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Planning for retirement and knowing how much you need can be overwhelming. There are tools and resources you can use to help make more educated decisions to plan ahead. Social Security Estimator: https://www.ssa.gov/benefits/retirement/estimator.html Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment   Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Hi! I'm here with a new name and new cover, but still delivering you financial tools and knowledge so you can live your best life! I'm giving you a little re-introduction and share a bit about my business. Have money questions? Let me know and I'll cover it in a future episode! Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Choosing renting vs buying has long been debated. I'm not here to tell you which is better but to arm you with information and things to consider when choosing what is best for you. Mortgage calculations via mortgagecalculator.org Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

If you have a large tax bill due this year, you have some options. My first bit of advice, if you haven't yet, go to a CPA or professional tax preparer. They can help you in ways that a tax software just can't. 1. Offer in Compromise - if you qualify, you can negotiate your tax bill down 2. Installment Agreement - you can set this up without interest if you can pay within 120 days and owe less than $100K. If you need more time and owe less than $50K, you can still set up a payment plan but with interest and possibly some penalties. Never ignore this problem! The IRS has the ability to garnish wages and seize property. Working with the IRS and being cooperative will help you get through this. Visit the IRS website to explore more details: https://www.irs.gov/payments   Get your Tax Prep Checklist: https://view.flodesk.com/pages/6030a7ad0f39bbd4c36109b5     Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

2020 was the year no one expected! And there are a number of things that came from it that you need to consider to when filing taxes this year. Always consult your professional tax preparer to get individual advice for your specific situation. Need a good referral for a tax preparer? Email me and I'll connect you! vanessa@mindfullysmartfinance.com   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0  

Today I'm talking with Randa, a financial advisor who started her own company to help other women with their money! Hear from her what working with her looks like, what you can expect and when to think about reaching out to an advisor to help you reach your goals. Connect with Randa! Website: radiantwealthplanning.com Insta: Instagram.com/radiantranda Email: Randa@radiantwealthplanning.com Youtube: https://www.youtube.com/channel/UCxHh-91aAG9lsqzqCuSFK-g/featured   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite

The question that I get asked the most often is "Do I need to be debt free before I can start investing?" This is a great question and one that should be considered carefully, but there's no one right answer. I'm sharing a few things to consider when deciding like your goals, your relationship with your debt, analyzing toxic debt and comparing your options.   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check out my website for info! And schedule a free call to chat with me. https://www.accountable.network/VanessaLinenbergerWebsite

There are two common types of debt repayment methods: snowball and avalanche. Today, we talking about each of these, which is best for you and how to implement each.   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

Do you know what compound interest is? In short, it's interest on interest. It's great when you are calculating it for your investments, but not so great when it's on your debts. Check out calculator.net for all your financial calculator needs and more! There, you can easily calculate compound interest, determine how much in total you will pay for a loan or see how large your investments can grow.     Let's connect! instagram.com/vanessalinenberger   Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

Skip the New Year's resolution and create yourself some new goals. Remember to make them measurable, attainable and time specific but also remember to be flexible and adjust when things out your control happen. Let's connect! instagram.com/vanessalinenberger Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

In today's episode, I'm covering the basics of the 529 plan. What is a 529 plan? What can it be used for? Who can use one? What are the advantages and disadvantages? Let's connect! instagram.com/vanessalinenberger Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

We're talking about high yield savings account, money market accounts and CDs. When is each the best option, what are the pros and cons and how to know which fits for you. Let's connect! Instagram.com/vanessalinenberger As a financial coach, I love working with others to improve their financial wellness, understanding and confidence. Want to schedule a 1:1? I'd love to chat! https://calendly.com/vanessajane/30minassessment Try my favorite budgeting app free: https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

Fraud and identity theft is so widespread these days. Today I'm sharing a few things that are really simple, but add some extra protection or help for notifying you more quickly of suspicious activity. 1. Credit Karma - free service for credit score updates and credit monitoring. creditkarma.com 2. Privacy Guard - provides 3 bureau credit scores, monitoring and ID theft insurance. https://www.privacyguard.com/plans-pricing.html 3. Dashlane - password manager and provides notification if there is a data breach with any companies you have an account with. Use this link to get Dashlane for 6 months free: https://www.dashlane.com/cs/iVaXxQNIva_w   Let's connect! I'd love to hear from you :) instagram.com/vanessalinenberger    

FSA - Flexible Spending Accounts -- These are use or lose it, so don't miss out on this money! HSA - Health Spending Accounts -- Learn how to take advantage of all the benefits and tax advantages of this account. Shop - FSAstore.com & HSAstore.com for all approved expenses. Especially use this for unused FSA funds so you don't lose them!   Let's connect! Find me on IG: instagram.com/vanessalinenberger Need a good budgeting tool? My favorite is YNAB! Use this link for 34 days free: https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral Would you benefit with one on one coaching? Schedule a free 30 minute call with me! Let's chat and find out if it would be a good fit for you! https://calendly.com/vanessajane/30minassessment