How You Spend Your Days Transistor (https://transistor.fm) https://feeds.transistor.fm/howyouspendyourdays Candid conversations about debt, the stigma around money and follow Colin's journey toward debt freedom. Hosted by Colin Loretz. © Colin Loretz f14057c9-1a5c-58ab-a560-b2e765a67623 yes en-us Thu, 01 Jan 2026 14:18:53 -0800 Thu, 01 Jan 2026 14:19:21 -0800 http://howyouspendyourdays.com https://img.transistorcdn.com/nlkVW4lfDJuSbm2C0dRKgAqI21bmmhXgijTC09JngdU/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9zaG93/LzUwNzQvMTU3MTI1/NjM0Ni1hcnR3b3Jr/LmpwZw.jpg How You Spend Your Days http://howyouspendyourdays.com episodic Colin Loretz Candid conversations about debt, the stigma around money and follow Colin's journey toward debt freedom. Hosted by Colin Loretz. Candid conversations about debt, the stigma around money and follow Colin's journey toward debt freedom. personal finance, money, investing, debt Colin Loretz No No The Money Life Coach: Tawnya Schultz 46 46 The Money Life Coach: Tawnya Schultz full e0c2a555-2ac6-456b-a5b1-7f53dfb8110a https://share.transistor.fm/s/c28eeca4 In this episode, I'm joined by Tawnya Schultz, The Money Life Coach, to discuss our mindsets around money and why zero-based budgeting is the best thing you can be doing right now, especially during the current pandemic.

Recommendations from Tawnya


Follow Tawnya Online

]]> In this episode, I'm joined by Tawnya Schultz, The Money Life Coach, to discuss our mindsets around money and why zero-based budgeting is the best thing you can be doing right now, especially during the current pandemic.

Recommendations from Tawnya


Follow Tawnya Online

]]> Wed, 13 May 2020 09:00:00 -0700 Colin Loretz Colin Loretz 1894 Colin talks about money mindsets and budgeting with Tawnya Schultz, The Money Life Coach. Colin talks about money mindsets and budgeting with Tawnya Schultz, The Money Life Coach. personal finance, money, investing, debt No 2020 Update on My Debt Numbers 45 45 2020 Update on My Debt Numbers full e6c59f38-9cba-448b-bbf7-3c6014f72cba https://share.transistor.fm/s/e86c6231 My Numbers in Episode 2

  • Credit Cards: $27,293.00
  • IRS Back Taxes: $16,000.00

In Between Episode 2 and Episode 45:

  • +$10,037 added to IRS Back Taxes
  • New IRS Back Tax Total: $26,037
  • Adjusted my payment plan with the IRS in light of covid-19 and accelerate my pay down of consumer debt

My Numbers in Episode 45:

  • Credit card balance remaining: $27,443
  • IRS Back Taxes remaining: $12,147

Next up for me will be to set milestone goal dates for my first credit card.

Have any questions, comments, or feedback? Want to share your own #debtfreejourney?
Get in touch!

]]> My Numbers in Episode 2

  • Credit Cards: $27,293.00
  • IRS Back Taxes: $16,000.00

In Between Episode 2 and Episode 45:

  • +$10,037 added to IRS Back Taxes
  • New IRS Back Tax Total: $26,037
  • Adjusted my payment plan with the IRS in light of covid-19 and accelerate my pay down of consumer debt

My Numbers in Episode 45:

  • Credit card balance remaining: $27,443
  • IRS Back Taxes remaining: $12,147

Next up for me will be to set milestone goal dates for my first credit card.

Have any questions, comments, or feedback? Want to share your own #debtfreejourney?
Get in touch!

]]> Wed, 06 May 2020 08:00:00 -0700 Colin Loretz Colin Loretz 561 The roller coaster of paying off debt. This week I'm giving an update on how much I owe between IRS back taxes and consumer debt. The roller coaster of paying off debt. This week I'm giving an update on how much I owe between IRS back taxes and consumer debt. personal finance, money, investing, debt No Getting Out of Debt with Qoins 44 44 Getting Out of Debt with Qoins full 149db4cd-0891-4d91-ae5e-a3831044ddf3 https://share.transistor.fm/s/4232e361 This week I talk to Christian Zimmerman, CEO and co-founder of Qoins. We get to talk about the motivations behind Qoins, how it helps its users to pay off debt, and the importance of personal finance during the coronavirus pandemic.


Here are some of the links and apps that we mentioned during the show:

  • Qoins - Pay off debt faster and save money without even thinking about it
  • Follow along with Qoins' Tuesday Tips on the Qoins Instagram
  • Plaid is a great tool for software developers building apps on top of financial institutions
  • Catch - My go-to for automatically saving withholding taxes

Thanks, Christian! 

]]> This week I talk to Christian Zimmerman, CEO and co-founder of Qoins. We get to talk about the motivations behind Qoins, how it helps its users to pay off debt, and the importance of personal finance during the coronavirus pandemic.


Here are some of the links and apps that we mentioned during the show:

  • Qoins - Pay off debt faster and save money without even thinking about it
  • Follow along with Qoins' Tuesday Tips on the Qoins Instagram
  • Plaid is a great tool for software developers building apps on top of financial institutions
  • Catch - My go-to for automatically saving withholding taxes

Thanks, Christian! 

]]> Wed, 29 Apr 2020 08:00:00 -0700 Colin Loretz Colin Loretz 1383 A chat with Qoins' CEO, Christian Zimmerman. Qoins is a mobile app that helps people get out of debt faster. We go behind-the-scenes with why Christian wanted to build Qoins and how it has helped people pay off over $10 million in debt. A chat with Qoins' CEO, Christian Zimmerman. Qoins is a mobile app that helps people get out of debt faster. We go behind-the-scenes with why Christian wanted to build Qoins and how it has helped people pay off over $10 million in debt. personal finance, money, investing, debt No Personal Finance during the Coronavirus 43 43 Personal Finance during the Coronavirus full e37775fa-d0dc-4e56-bf03-7ed8dd340202 https://share.transistor.fm/s/867e0bb7
  • Income
    • Unemployment
    • Pandemic Unemployment Assistance Program
  • Spending
    • Taking stock in where your money is going
  • Tackling Debt
    • Negotiate your debts
  • Saving
  • Investing
    • Tips from Tanja Hester, @our_nextlife
    • Don't try to time the market
    • Invest consistently over time, no matter what the markets are doing
    • Avoid making panicked decisions with regards to the market
    • Think Long-Term
  • Individual Stimulus
  • Economic Injury Disaster Loan (EIDL)
  • Paycheck Protection Plan (PPP)
    • ]]>
  • Income
    • Unemployment
    • Pandemic Unemployment Assistance Program
  • Spending
    • Taking stock in where your money is going
  • Tackling Debt
    • Negotiate your debts
  • Saving
  • Investing
    • Tips from Tanja Hester, @our_nextlife
    • Don't try to time the market
    • Invest consistently over time, no matter what the markets are doing
    • Avoid making panicked decisions with regards to the market
    • Think Long-Term
  • Individual Stimulus
  • Economic Injury Disaster Loan (EIDL)
  • Paycheck Protection Plan (PPP)
    • ]]>     Wed, 22 Apr 2020 02:00:00 -0700 Colin Loretz Colin Loretz 1665 Back to basics: income, spending, saving, investing, and government assistance available in the times of the Coronavirus. Back to basics: income, spending, saving, investing, and government assistance available in the times of the Coronavirus. personal finance, money, investing, debt No     HY$YD: Year 2 Montage 42 42 HY$YD: Year 2 Montage full 87177f05-c5d6-468f-a774-a5fe8057c482 https://share.transistor.fm/s/d58bda4a This is a little bit of a different episode since we've been on hiatus but I'm excited about the launch of Year 2! You can think of this as a Season 2 of HY$YD and I'll be documenting my continued journey of getting out of debt and investigating the habits that influence our decisions to save, get out of debt and live a healthy life - physically, emotionally and financially.

    This episode is a little fast-paced as a lot happened since October. Buckle up and enjoy! Future episodes will have more structure and slower pacing ;)

    Montage of October 2019 - April 2020

    • October 30, 2019 
      • One year anniversary episode
    • November and December 2019 
      • Holidays & heads down on work
    • January 2020 
      • I accepted a new job (we'll talk about this more next episode!)
    • February 2020 
      • I started my new job at Panty Drop
      • Chanelle and I went to the Dominican Republic (we'll also talk more about this later)
    • March 2020 
      • March 8th we had a retreat for Reno Collective and we talked about our plans for renovations, our anniversary party, etc.
      • We started seeing the signs of the virus in other parts of the world over the next few days
      • Articles starting coming out about flattening the curve
      • Reno Collective decided to stop meetups and other large gatherings on March 12
      • 4 days later we announced we were closing our doors
      • "Non-essential" businesses have closed, restaurants are now only doing takeout or delivery, some have shut down completely
      • March 25th, The $2 trillion Stimulus was passed for pandemic unemployment, paycheck protection program (PPP) and funding for economic injury disaster loans (EIDL)
      • A couple of us at Reno Collective started researching DIY mask and PPE prototypes
    • April 2020 
      • We are holding more online events than ever before
      • I'm working at my job and enjoying being able to focus on a single product and mission right now, especially given all that is happening
    • April 14, 2020 
      • Date of this recording
      • Tomorrow would normally be the 2019 tax deadline, but that has been moved to July 15
      • After 4 weeks of shelter in place, "How You Spend Your Days" is more relevant than ever
      • There is SO MUCH to unpack in upcoming episodes
    • Things I'm Enjoying 
    ]]>     This is a little bit of a different episode since we've been on hiatus but I'm excited about the launch of Year 2! You can think of this as a Season 2 of HY$YD and I'll be documenting my continued journey of getting out of debt and investigating the habits that influence our decisions to save, get out of debt and live a healthy life - physically, emotionally and financially.

    This episode is a little fast-paced as a lot happened since October. Buckle up and enjoy! Future episodes will have more structure and slower pacing ;)

    Montage of October 2019 - April 2020

    • October 30, 2019 
      • One year anniversary episode
    • November and December 2019 
      • Holidays & heads down on work
    • January 2020 
      • I accepted a new job (we'll talk about this more next episode!)
    • February 2020 
      • I started my new job at Panty Drop
      • Chanelle and I went to the Dominican Republic (we'll also talk more about this later)
    • March 2020 
      • March 8th we had a retreat for Reno Collective and we talked about our plans for renovations, our anniversary party, etc.
      • We started seeing the signs of the virus in other parts of the world over the next few days
      • Articles starting coming out about flattening the curve
      • Reno Collective decided to stop meetups and other large gatherings on March 12
      • 4 days later we announced we were closing our doors
      • "Non-essential" businesses have closed, restaurants are now only doing takeout or delivery, some have shut down completely
      • March 25th, The $2 trillion Stimulus was passed for pandemic unemployment, paycheck protection program (PPP) and funding for economic injury disaster loans (EIDL)
      • A couple of us at Reno Collective started researching DIY mask and PPE prototypes
    • April 2020 
      • We are holding more online events than ever before
      • I'm working at my job and enjoying being able to focus on a single product and mission right now, especially given all that is happening
    • April 14, 2020 
      • Date of this recording
      • Tomorrow would normally be the 2019 tax deadline, but that has been moved to July 15
      • After 4 weeks of shelter in place, "How You Spend Your Days" is more relevant than ever
      • There is SO MUCH to unpack in upcoming episodes
    • Things I'm Enjoying 
    ]]>     Wed, 15 Apr 2020 09:00:00 -0700 Colin Loretz Colin Loretz 1730 Ep42: This is a little bit of a different episode since we've been on hiatus but I'm excited about the launch of Year 2! You can think of this as a Season 2 of HY$YD and I'll be documenting my continued journey of getting out of debt and investigating the habits that influence our decisions to save, get out of debt and live a healthy life - physically, emotionally and financially. Ep42: This is a little bit of a different episode since we've been on hiatus but I'm excited about the launch of Year 2! You can think of this as a Season 2 of HY$YD and I'll be documenting my continued journey of getting out of debt and investigating the personal finance, money, investing, debt No     One Year Update - One Year Anniversary Episode! 41 41 One Year Update - One Year Anniversary Episode! full 23857be5-63bf-4ba7-9f34-711a64c9411e https://share.transistor.fm/s/a7c26b1e Reposting this as this episode appears to have disappeared from our feed!

    Ep41: Holy cow! We’ve hit one year of How You Spend Your Days!

    In this episode, I look back on some of the conversations we’ve had since October 2018.

    Follow HY$YD or send us questions/feedback

    ]]>     Reposting this as this episode appears to have disappeared from our feed!

    Ep41: Holy cow! We’ve hit one year of How You Spend Your Days!

    In this episode, I look back on some of the conversations we’ve had since October 2018.

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 30 Oct 2019 08:00:00 -0700 Colin Loretz Colin Loretz 1866 Ep41: Holy cow! We’ve hit one year of How You Spend Your Days! In this episode, I look back on some of the conversations we’ve had since October 2018. Ep41: Holy cow! We’ve hit one year of How You Spend Your Days! In this episode, I look back on some of the conversations we’ve had since October 2018. personal finance, money, investing, debt No     What If Money Was No Object – Alan Watts 40 40 What If Money Was No Object – Alan Watts full http://howyouspendyourdays.com/?p=540 https://share.transistor.fm/s/460a4061 Ep40: We’re mixing it up a little bit this week with a meditation on money and life from philosopher and thinker, Alan Watts.

    Next week we’ll be back to our regular episodes for episode 41, which marks exactly ONE YEAR of this show. I’ll be providing an update and talking about what has happened in the last year.



    Follow HY$YD or send us questions/feedback

    ]]>     Ep40: We’re mixing it up a little bit this week with a meditation on money and life from philosopher and thinker, Alan Watts.

    Next week we’ll be back to our regular episodes for episode 41, which marks exactly ONE YEAR of this show. I’ll be providing an update and talking about what has happened in the last year.



    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 09 Oct 2019 11:00:00 -0700 Colin Loretz Colin Loretz 267 Ep40: We’re mixing it up a little bit this week with a meditation on money and life from philosopher and thinker, Alan Watts. Next week we’ll be back to our regular episodes for episode 41, which marks exactly ONE YEAR of this show. I’ll be providing an update and talking about what has happened inRead more Ep40: We’re mixing it up a little bit this week with a meditation on money and life from philosopher and thinker, Alan Watts. Next week we’ll be back to our regular episodes for episode 41, which marks exactly ONE YEAR of this show. I’ll be providing an u personal finance, money, investing, debt No     Paying off debt and owning things with Monica Thompson 39 39 Paying off debt and owning things with Monica Thompson full http://howyouspendyourdays.com/?p=534 https://share.transistor.fm/s/79a1dc31 Ep39: This week we talk to Monica Thompson about hitting one of her financial milestones and learn more about how she has taught herself what she knows about financial literacy today. We touch on buying cars, mortgages, credit cards and feeling financially secure. Congrats on paying off the adventure wagon, Monica!


    Our Guest This Week


    Monica Thompson


    Follow HY$YD or send us questions/feedback

     

    ]]>     Ep39: This week we talk to Monica Thompson about hitting one of her financial milestones and learn more about how she has taught herself what she knows about financial literacy today. We touch on buying cars, mortgages, credit cards and feeling financially secure. Congrats on paying off the adventure wagon, Monica!


    Our Guest This Week


    Monica Thompson


    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 25 Sep 2019 09:00:00 -0700 Colin Loretz Colin Loretz 1918 Ep39: This week we talk to Monica Thompson about hitting one of her financial milestones and learn more about how she has taught herself what she knows about financial literacy today. We touch on buying cars, mortgages, credit cards and feeling financially secure. Congrats on paying off the adventure wagon, Monica! Our Guest This Week MonicaRead more Ep39: This week we talk to Monica Thompson about hitting one of her financial milestones and learn more about how she has taught herself what she knows about financial literacy today. We touch on buying cars, mortgages, credit cards and feeling financiall personal finance, money, investing, debt No     Subscriptions, Subscriptions, Subscriptions 38 38 Subscriptions, Subscriptions, Subscriptions full http://howyouspendyourdays.com/?p=528 https://share.transistor.fm/s/7a6c8ce3 Ep38: In this episode, we talk about subscriptions. Today we have access to more subscriptions than ever. We have subscriptions for movies and television (Netflix, Hulu), toothbrushes (Quip), meal prep (HelloFresh), underwear (MeUndies), and even pet food (The Farmer’s Dog).

    Now there is no judgment on this next part but how many subscriptions do you have? How many of those do you really use? Are they materially contributing to your life in some way or is it like a gym membership that you keep “hoping to get to someday?”

    In this episode, I break down my own subscriptions. I actually don’t have very many thanks to my expense inventory from episode 4.

    My Personal Subscriptions – $100/month

    • Phone Bill – $22/month
    • Planet Fitness – $10/month
    • Spotify – $9.99/month
    • PlayStation Network – $89/year – $7.5/month
    • Bridgewire – Makerspace $50/month

    My Freelance Subscriptions – $220/month

    • Google Apps – $5/month
    • Microsoft – !? $9.90 and I don’t know for what or how to cancel it
    • Domains – Ranges from $10-$30/month
    • AWS hosting – $1-2/month
    • Digital Ocean Hosting – $22/month
    • Adobe Creative Cloud – $52/month
    • Ngrok $5/month
    • Bonsai – $19/month
    • Quickbooks / Bookkeeping – $70/month
    • Pingdom – $15/month


    Follow HY$YD or send us questions/feedback

    ]]>     Ep38: In this episode, we talk about subscriptions. Today we have access to more subscriptions than ever. We have subscriptions for movies and television (Netflix, Hulu), toothbrushes (Quip), meal prep (HelloFresh), underwear (MeUndies), and even pet food (The Farmer’s Dog).

    Now there is no judgment on this next part but how many subscriptions do you have? How many of those do you really use? Are they materially contributing to your life in some way or is it like a gym membership that you keep “hoping to get to someday?”

    In this episode, I break down my own subscriptions. I actually don’t have very many thanks to my expense inventory from episode 4.

    My Personal Subscriptions – $100/month

    • Phone Bill – $22/month
    • Planet Fitness – $10/month
    • Spotify – $9.99/month
    • PlayStation Network – $89/year – $7.5/month
    • Bridgewire – Makerspace $50/month

    My Freelance Subscriptions – $220/month

    • Google Apps – $5/month
    • Microsoft – !? $9.90 and I don’t know for what or how to cancel it
    • Domains – Ranges from $10-$30/month
    • AWS hosting – $1-2/month
    • Digital Ocean Hosting – $22/month
    • Adobe Creative Cloud – $52/month
    • Ngrok $5/month
    • Bonsai – $19/month
    • Quickbooks / Bookkeeping – $70/month
    • Pingdom – $15/month


    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 11 Sep 2019 19:59:00 -0700 Colin Loretz Colin Loretz 1429 Ep38: In this episode, we talk about subscriptions. Today we have access to more subscriptions than ever. We have subscriptions for movies and television (Netflix, Hulu), toothbrushes (Quip), meal prep (HelloFresh), underwear (MeUndies), and even pet food (The Farmer’s Dog). Now there is no judgment on this next part but how many subscriptions do youRead more Ep38: In this episode, we talk about subscriptions. Today we have access to more subscriptions than ever. We have subscriptions for movies and television (Netflix, Hulu), toothbrushes (Quip), meal prep (HelloFresh), underwear (MeUndies), and even pet food personal finance, money, investing, debt No     Love & Money – Talking about money in relationships 37 37 Love & Money – Talking about money in relationships full http://howyouspendyourdays.com/?p=519 https://share.transistor.fm/s/a32c3c59 37: This week I’m talking about money in relationships and put my girlfriend, Chanelle Bessette, in the hot-seat. We walk through a list of questions to see how each of us manage money individually and how we approach discussing money in our relationship.


    Our Guest This Week


    Chanelle Bessette, Personal Finance Writer

    Instagram: @crbessette‬ 

    Follow HY$YD or send us questions/feedback

    ]]>     37: This week I’m talking about money in relationships and put my girlfriend, Chanelle Bessette, in the hot-seat. We walk through a list of questions to see how each of us manage money individually and how we approach discussing money in our relationship.


    Our Guest This Week


    Chanelle Bessette, Personal Finance Writer

    Instagram: @crbessette‬ 

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 28 Aug 2019 08:00:00 -0700 Colin Loretz Colin Loretz 2719 37: This week I’m talking about money in relationships and put my girlfriend, Chanelle Bessette, in the hot-seat. We walk through a list of questions to see how each of us manage money individually and how we approach discussing money in our relationship. Our Guest This Week Chanelle Bessette, Personal Finance Writer Instagram: @crbessette‬  FollowRead more 37: This week I’m talking about money in relationships and put my girlfriend, Chanelle Bessette, in the hot-seat. We walk through a list of questions to see how each of us manage money individually and how we approach discussing money in our relationship. personal finance, money, investing, debt No     Identifying Financial Fatigue 37 37 Identifying Financial Fatigue full http://howyouspendyourdays.com/?p=506 https://share.transistor.fm/s/ca57562a 36: This week we talk about identifying financial fatigue and how to combat it and avoid it altogether.

    Identifying Financial Fatigue

    Some of the feelings that come along with financial fatigue include:

    • The feeling that managing your finances is tedious
    • The end doesn’t seem to be in sight
    • Your efforts seem hopeless

    These feelings can cause a cycle of anxiety that can be difficult to break out of:

    • Your mind feels always on
    • You constantly worry about finances
    • You feel overwhelmed to the point of avoiding action
    • Your inaction and doubt creates anxiety
    • Your anxiety cause loss of sleep, lowering of morale, confidence, or self-worth

    Combatting Financial Fatigue

    • Know where you stand
    • Put it down on paper and get it out of your head (Bullet Journal)
    • Find a support system or accountability buddy
    • Automate as much as you can so you can get it out of your head
    • Try budgeting (envelope system)
    • Limit the number of systems you have so you don’t have to track them all

    Follow HY$YD or send us questions/feedback

    ]]>     36: This week we talk about identifying financial fatigue and how to combat it and avoid it altogether.

    Identifying Financial Fatigue

    Some of the feelings that come along with financial fatigue include:

    • The feeling that managing your finances is tedious
    • The end doesn’t seem to be in sight
    • Your efforts seem hopeless

    These feelings can cause a cycle of anxiety that can be difficult to break out of:

    • Your mind feels always on
    • You constantly worry about finances
    • You feel overwhelmed to the point of avoiding action
    • Your inaction and doubt creates anxiety
    • Your anxiety cause loss of sleep, lowering of morale, confidence, or self-worth

    Combatting Financial Fatigue

    • Know where you stand
    • Put it down on paper and get it out of your head (Bullet Journal)
    • Find a support system or accountability buddy
    • Automate as much as you can so you can get it out of your head
    • Try budgeting (envelope system)
    • Limit the number of systems you have so you don’t have to track them all

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 21 Aug 2019 09:00:05 -0700 Colin Loretz Colin Loretz 1032 36: This week we talk about identifying financial fatigue and how to combat it and avoid it altogether. Identifying Financial Fatigue Some of the feelings that come along with financial fatigue include: The feeling that managing your finances is tedious The end doesn’t seem to be in sight Your efforts seem hopeless These feelings canRead more 36: This week we talk about identifying financial fatigue and how to combat it and avoid it altogether. Identifying Financial Fatigue Some of the feelings that come along with financial fatigue include: The feeling that managing your finances is tedious T personal finance, money, investing, debt No     Plan A Money Date With Yourself 36 36 Plan A Money Date With Yourself full http://howyouspendyourdays.com/?p=500 https://share.transistor.fm/s/175538cd Ep35: This week I sat down and reevaluated my finances and refactored my “Numbers” spreadsheet.

    This is a little bit of update episode since it has been a minute since the last one. This is also a good reminder for you to sit down and take a look at how you are doing financially and course-correct as necessary!

    The newly revamped HY$YD website will be available shortly with new resources for your money goals.

    Follow HY$YD or send us questions/feedback

    ]]>     Ep35: This week I sat down and reevaluated my finances and refactored my “Numbers” spreadsheet.

    This is a little bit of update episode since it has been a minute since the last one. This is also a good reminder for you to sit down and take a look at how you are doing financially and course-correct as necessary!

    The newly revamped HY$YD website will be available shortly with new resources for your money goals.

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 07 Aug 2019 22:16:33 -0700 Colin Loretz Colin Loretz 639 Ep35: This week I sat down and reevaluated my finances and refactored my “Numbers” spreadsheet. This is a little bit of update episode since it has been a minute since the last one. This is also a good reminder for you to sit down and take a look at how you are doing financially andRead more Ep35: This week I sat down and reevaluated my finances and refactored my “Numbers” spreadsheet. This is a little bit of update episode since it has been a minute since the last one. This is also a good reminder for you to sit down and take a look at how y personal finance, money, investing, debt No     How to make freelancing (or your side hustle) work for you 35 35 How to make freelancing (or your side hustle) work for you full http://howyouspendyourdays.com/?p=495 https://share.transistor.fm/s/a52babaf Ep34: This week we get very tactical and jump into how to make the numbers work around freelancing or being an independent worker.

    1. Come up with a number
    2. Align your expectations
    3. Timebox your work
    4. Reduce and automate the meta work
      1. Track Your Time
      2. Automate Invoicing, Proposals, and Contracts
      3. Automate Withholding Taxes & Retirement

    “Work expands so as to fill the time available for its completion” – Parkinson’s Law

    Tools to automate your freelancing or side hustle

    1. Harvest – time tracking, invoicing
    2. Bonsai – time tracking, invoices, proposals and contracts (what I like to use)
    3. Timeular – time tracking (what I like to use)
    4. Freshbooks – invoicing
    5. Use Catch.co to automate tax savings and retirement  (referral link)
    6. Set up a retirement account with your preferred institution

    Follow HY$YD or send us questions/feedback

    ]]>     Ep34: This week we get very tactical and jump into how to make the numbers work around freelancing or being an independent worker.

    1. Come up with a number
    2. Align your expectations
    3. Timebox your work
    4. Reduce and automate the meta work
      1. Track Your Time
      2. Automate Invoicing, Proposals, and Contracts
      3. Automate Withholding Taxes & Retirement

    “Work expands so as to fill the time available for its completion” – Parkinson’s Law

    Tools to automate your freelancing or side hustle

    1. Harvest – time tracking, invoicing
    2. Bonsai – time tracking, invoices, proposals and contracts (what I like to use)
    3. Timeular – time tracking (what I like to use)
    4. Freshbooks – invoicing
    5. Use Catch.co to automate tax savings and retirement  (referral link)
    6. Set up a retirement account with your preferred institution

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 31 Jul 2019 11:00:11 -0700 Colin Loretz Colin Loretz 1723 Ep34: This week we get very tactical and jump into how to make the numbers work around freelancing or being an independent worker. Come up with a number Align your expectations Timebox your work Reduce and automate the meta work Track Your Time Automate Invoicing, Proposals, and Contracts Automate Withholding Taxes & Retirement “Work expandsRead more Ep34: This week we get very tactical and jump into how to make the numbers work around freelancing or being an independent worker. Come up with a number Align your expectations Timebox your work Reduce and automate the meta work Track Your Time Automate I personal finance, money, investing, debt No     7 Things You Should Do For Your Financial Fitness 34 34 7 Things You Should Do For Your Financial Fitness full http://howyouspendyourdays.com/?p=491 https://share.transistor.fm/s/16338cfc Ep 33: This week we dive into seven things you should do to make sure you stay financially fit.

    1. Check your Credit score
      1. Nerd Wallet
      2. Credit Karma
      3. Mint
    2. Set a savings goal and create a named virtual savings account for that goal
    3. Take inventory of your recurring expenses
    4. Evaluate how you can make more money
      1. If you have a salary, ask for a raise
      2. If you’re a freelancer, can you charge more or change your pricing structure?
    5. Fall in love with cooking
    6. Calculate your net worth (assets minus liabilities)
      1. Personal Capital
    7. Invest in developing healthy habits
      1. Creating healthy habits in any area of your life will have cascading effects on other parts of your life
      2. Must read: Atomic Habits by James Clear

    “You do not rise to the level of your goals. You fall to the level of your systems.”

    – Atomic Habits by James Clear

    “We don’t rise to the level of our expectations, we fall to the level of our training.”

    – Archilochus

    Follow HY$YD or send us questions/feedback

    ]]>     Ep 33: This week we dive into seven things you should do to make sure you stay financially fit.

    1. Check your Credit score
      1. Nerd Wallet
      2. Credit Karma
      3. Mint
    2. Set a savings goal and create a named virtual savings account for that goal
    3. Take inventory of your recurring expenses
    4. Evaluate how you can make more money
      1. If you have a salary, ask for a raise
      2. If you’re a freelancer, can you charge more or change your pricing structure?
    5. Fall in love with cooking
    6. Calculate your net worth (assets minus liabilities)
      1. Personal Capital
    7. Invest in developing healthy habits
      1. Creating healthy habits in any area of your life will have cascading effects on other parts of your life
      2. Must read: Atomic Habits by James Clear

    “You do not rise to the level of your goals. You fall to the level of your systems.”

    – Atomic Habits by James Clear

    “We don’t rise to the level of our expectations, we fall to the level of our training.”

    – Archilochus

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 24 Jul 2019 10:19:48 -0700 Colin Loretz Colin Loretz 864 Ep 33: This week we dive into seven things you should do to make sure you stay financially fit. Check your Credit score Nerd Wallet Credit Karma Mint Set a savings goal and create a named virtual savings account for that goal Take inventory of your recurring expenses Evaluate how you can make more money IfRead more Ep 33: This week we dive into seven things you should do to make sure you stay financially fit. Check your Credit score Nerd Wallet Credit Karma Mint Set a savings goal and create a named virtual savings account for that goal Take inventory of your recurr personal finance, money, investing, debt No     Playing with FIRE – The Documentary 33 33 Playing with FIRE – The Documentary full http://howyouspendyourdays.com/?p=487 https://share.transistor.fm/s/769ce67f Ep 32: This week is a fun update! HY$YD is hosting a screening of the documentary Playing with Fire. You can listen to my interview with Scott Reickens in Episode 10 if you’d like to hear more about Scott’s background and why he set out to make this documentary.

    Get tickets for the Reno screening: https://www.tugg.com/events/playing-with-fire-tdrl

    Get the book: https://www.amazon.com/Playing-Financial-Independence-Retire-Early/dp/1608685802

    Follow HY$YD or send us questions/feedback

    ]]>     Ep 32: This week is a fun update! HY$YD is hosting a screening of the documentary Playing with Fire. You can listen to my interview with Scott Reickens in Episode 10 if you’d like to hear more about Scott’s background and why he set out to make this documentary.

    Get tickets for the Reno screening: https://www.tugg.com/events/playing-with-fire-tdrl

    Get the book: https://www.amazon.com/Playing-Financial-Independence-Retire-Early/dp/1608685802

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 10 Jul 2019 09:00:13 -0700 Colin Loretz Colin Loretz 437 Ep 32: This week is a fun update! HY$YD is hosting a screening of the documentary Playing with Fire. You can listen to my interview with Scott Reickens in Episode 10 if you’d like to hear more about Scott’s background and why he set out to make this documentary. Get tickets for the Reno screening: https://www.tugg.com/events/playing-with-fire-tdrl Get theRead more Ep 32: This week is a fun update! HY$YD is hosting a screening of the documentary Playing with Fire. You can listen to my interview with Scott Reickens in Episode 10 if you’d like to hear more about Scott’s background and why he set out to make this docum personal finance, money, investing, debt No     Paying Off Student Loans by Learning to Code w/ Lindsay Barrett 32 32 Paying Off Student Loans by Learning to Code w/ Lindsay Barrett full http://howyouspendyourdays.com/?p=476 https://share.transistor.fm/s/0bdca0b9 #31: In this episode, we’re joined by Linsday Barrett who conquered $37,000 in student loan debt in 3 years after graduating from college and investing in herself with a web developer bootcamp. I’m honored to have played a small part in her journey as I was the teacher for that bootcamp so it was a lot of fun to bring this full circle and hear how far she has come in her own financial journey since learning web development.

    We are constantly hearing that everyone should learn to code. While I don’t agree that *everyone* should learn how to code, it was very much a powerful option and lever for Lindsay to increase her income and pay off her student loan debt.

    Lindsay’s story shows how it is possible to go from being an outsider to the tech community to make your way up the tech career ladder with impressive results. Congrats, Lindsay! 

    Some of the tactics that she talks about in this episode include:

    • Prioritizing your debt payments over discretionary spending
    • Increasing your income by learning a new skill
    • Find a community to help hold you accountable and motivated
    • Come up with a way to track your progress (hat tip to Atomic Habits)
    • Make sure you know where your money is going when paying off your debts

    Our Guest This Week

    Lindsay Barrett

    Follow HY$YD or send us questions/feedback

    ]]>     #31: In this episode, we’re joined by Linsday Barrett who conquered $37,000 in student loan debt in 3 years after graduating from college and investing in herself with a web developer bootcamp. I’m honored to have played a small part in her journey as I was the teacher for that bootcamp so it was a lot of fun to bring this full circle and hear how far she has come in her own financial journey since learning web development.

    We are constantly hearing that everyone should learn to code. While I don’t agree that *everyone* should learn how to code, it was very much a powerful option and lever for Lindsay to increase her income and pay off her student loan debt.

    Lindsay’s story shows how it is possible to go from being an outsider to the tech community to make your way up the tech career ladder with impressive results. Congrats, Lindsay! 

    Some of the tactics that she talks about in this episode include:

    • Prioritizing your debt payments over discretionary spending
    • Increasing your income by learning a new skill
    • Find a community to help hold you accountable and motivated
    • Come up with a way to track your progress (hat tip to Atomic Habits)
    • Make sure you know where your money is going when paying off your debts

    Our Guest This Week

    Lindsay Barrett

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 19 Jun 2019 08:35:11 -0700 Colin Loretz Colin Loretz 1361 #31: In this episode, we’re joined by Linsday Barrett who conquered $37,000 in student loan debt in 3 years after graduating from college and investing in herself with a web developer bootcamp. I’m honored to have played a small part in her journey as I was the teacher for that bootcamp so it was a lotRead more #31: In this episode, we’re joined by Linsday Barrett who conquered $37,000 in student loan debt in 3 years after graduating from college and investing in herself with a web developer bootcamp. I’m honored to have played a small part in her journey as I w personal finance, money, investing, debt No     Ep30: Freelance Finance with Lara Cattlin 31 31 Ep30: Freelance Finance with Lara Cattlin full http://howyouspendyourdays.com/?p=467 https://share.transistor.fm/s/b298b704 This week, I chat with Lara Cattlin, friend and freelance copywriter, about the ins and outs of freelance finance. Freelancers have a gauntlet of tasks that they have to do in addition to doing the work that they specialize in. We talk about cash flow management, the pros/cons of freelancing and how to set boundaries for your time.

    • Finding clients
    • Scoping out projects
    • Getting the projects
    • Doing the project
    • Getting paid for the project
    • From that, we have to pay taxes, any other expenses for running our businesses
    • Rinse & repeat

    Our Guest This Week

    Lara Cattlin, Freelance Copywriter

    Website: http://laracattlin.com and http://freelancelifehacks.com/

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week, I chat with Lara Cattlin, friend and freelance copywriter, about the ins and outs of freelance finance. Freelancers have a gauntlet of tasks that they have to do in addition to doing the work that they specialize in. We talk about cash flow management, the pros/cons of freelancing and how to set boundaries for your time.

    • Finding clients
    • Scoping out projects
    • Getting the projects
    • Doing the project
    • Getting paid for the project
    • From that, we have to pay taxes, any other expenses for running our businesses
    • Rinse & repeat

    Our Guest This Week

    Lara Cattlin, Freelance Copywriter

    Website: http://laracattlin.com and http://freelancelifehacks.com/

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 12 Jun 2019 11:00:08 -0700 Colin Loretz Colin Loretz 1487 This week, I chat with Lara Cattlin, friend and freelance copywriter, about the ins and outs of freelance finance. Freelancers have a gauntlet of tasks that they have to do in addition to doing the work that they specialize in. We talk about cash flow management, the pros/cons of freelancing and how to set boundariesRead more This week, I chat with Lara Cattlin, friend and freelance copywriter, about the ins and outs of freelance finance. Freelancers have a gauntlet of tasks that they have to do in addition to doing the work that they specialize in. We talk about cash flow man personal finance, money, investing, debt No     Ep29: Your Debt Payoff Date 30 30 Ep29: Your Debt Payoff Date full http://howyouspendyourdays.com/?p=462 https://share.transistor.fm/s/d25e3a3b This week, I sit down and calculate my official debt free date and discuss why it’s important to have a clear and defined date. This date allows you to make informed decisions on where you spend your time and money and increases the likelihood of you hitting your goal.

    *This is my Undebt.it affiliate link which does help me out if you end up signing up for a paid account.

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week, I sit down and calculate my official debt free date and discuss why it’s important to have a clear and defined date. This date allows you to make informed decisions on where you spend your time and money and increases the likelihood of you hitting your goal.

    *This is my Undebt.it affiliate link which does help me out if you end up signing up for a paid account.

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 05 Jun 2019 11:04:55 -0700 Colin Loretz Colin Loretz 841 This week, I sit down and calculate my official debt free date and discuss why it’s important to have a clear and defined date. This date allows you to make informed decisions on where you spend your time and money and increases the likelihood of you hitting your goal. Essentialism by Greg McKeown (Essentialism episode comingRead more This week, I sit down and calculate my official debt free date and discuss why it’s important to have a clear and defined date. This date allows you to make informed decisions on where you spend your time and money and increases the likelihood of you hitt personal finance, money, investing, debt No     Ep28: Negotiating with Credit Card Companies 29 29 Ep28: Negotiating with Credit Card Companies full http://howyouspendyourdays.com/?p=455 https://share.transistor.fm/s/0a1a074d This week, I called my credit card companies to confirm my interest rates and attempt to negotiate down my interest rates with each card. My results were mixed as you will hear in this episode but getting your credit card companies on the phone is a good idea, even if it’s just to confirm the status and health of your accounts.

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week, I called my credit card companies to confirm my interest rates and attempt to negotiate down my interest rates with each card. My results were mixed as you will hear in this episode but getting your credit card companies on the phone is a good idea, even if it’s just to confirm the status and health of your accounts.

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 29 May 2019 09:25:12 -0700 Colin Loretz Colin Loretz 1279 This week, I called my credit card companies to confirm my interest rates and attempt to negotiate down my interest rates with each card. My results were mixed as you will hear in this episode but getting your credit card companies on the phone is a good idea, even if it’s just to confirm theRead more This week, I called my credit card companies to confirm my interest rates and attempt to negotiate down my interest rates with each card. My results were mixed as you will hear in this episode but getting your credit card companies on the phone is a good personal finance, money, investing, debt No     Ep27: “Shop Twice, Spend Once” with Todd Clary 28 28 Ep27: “Shop Twice, Spend Once” with Todd Clary full http://howyouspendyourdays.com/?p=449 https://share.transistor.fm/s/8b30f3ad This week I’m joined by Todd Clary of Clarity Financial Coaching to discuss the stigmas around talking about money and why he decided to become a financial coach to help others accomplish their financial goals.

    Some of the articles and resources we discuss in this episode:

    Our Guest This Week

    Todd Clary, Clarity Financial Coaching

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week I’m joined by Todd Clary of Clarity Financial Coaching to discuss the stigmas around talking about money and why he decided to become a financial coach to help others accomplish their financial goals.

    Some of the articles and resources we discuss in this episode:

    Our Guest This Week

    Todd Clary, Clarity Financial Coaching

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 22 May 2019 10:50:06 -0700 Colin Loretz Colin Loretz 2000 This week I’m joined by Todd Clary of Clarity Financial Coaching to discuss the stigmas around talking about money and why he decided to become a financial coach to help others accomplish their financial goals. Some of the articles and resources we discuss in this episode: Dave Ramsay Financial Coach Mastery Training Shop Twice, SpendRead more This week I’m joined by Todd Clary of Clarity Financial Coaching to discuss the stigmas around talking about money and why he decided to become a financial coach to help others accomplish their financial goals. Some of the articles and resources we discus personal finance, money, investing, debt No     Ep26: Money and Family with CJ Avilla 27 27 Ep26: Money and Family with CJ Avilla full http://howyouspendyourdays.com/?p=440 https://share.transistor.fm/s/ba5e60ec This week, I’m joined by a friend and colleague, CJ Avilla. We discuss his philosophies around money, how his family tracks money, how they spend money and how CJ and his wife have been teaching their kids about money.

    Some of the articles and resources we discuss in this episode:

    Our Guest This Week

    CJ Avilla, Software Developer

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week, I’m joined by a friend and colleague, CJ Avilla. We discuss his philosophies around money, how his family tracks money, how they spend money and how CJ and his wife have been teaching their kids about money.

    Some of the articles and resources we discuss in this episode:

    Our Guest This Week

    CJ Avilla, Software Developer

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 15 May 2019 09:00:00 -0700 Colin Loretz Colin Loretz 1989 This week, I’m joined by a friend and colleague, CJ Avilla. We discuss his philosophies around money, how his family tracks money, how they spend money and how CJ and his wife have been teaching their kids about money. Some of the articles and resources we discuss in this episode: Americans Spend $18k a yearRead more This week, I’m joined by a friend and colleague, CJ Avilla. We discuss his philosophies around money, how his family tracks money, how they spend money and how CJ and his wife have been teaching their kids about money. Some of the articles and resources w personal finance, money, investing, debt No     Ep25: Recalibrating for New Goals 26 26 Ep25: Recalibrating for New Goals full http://howyouspendyourdays.com/?p=437 https://share.transistor.fm/s/c27ae518 Episode 25! This week is a quick rant on recalibration. It’s a good time to bring back some awareness around how much I’m spending, on what, when and why. With the start of a new month (May), I’m looking to jump back into another frugality challenge and only allow myself to spend money dining out on weekends. Most of the weekend and weekdays will come from cooking at home and grocery shopping only.

    Follow HY$YD or send us questions/feedback

     

    ]]>     Episode 25! This week is a quick rant on recalibration. It’s a good time to bring back some awareness around how much I’m spending, on what, when and why. With the start of a new month (May), I’m looking to jump back into another frugality challenge and only allow myself to spend money dining out on weekends. Most of the weekend and weekdays will come from cooking at home and grocery shopping only.

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 01 May 2019 09:00:45 -0700 Colin Loretz Colin Loretz 1041 Episode 25! This week is a quick rant on recalibration. It’s a good time to bring back some awareness around how much I’m spending, on what, when and why. With the start of a new month (May), I’m looking to jump back into another frugality challenge and only allow myself to spend money dining outRead more Episode 25! This week is a quick rant on recalibration. It’s a good time to bring back some awareness around how much I’m spending, on what, when and why. With the start of a new month (May), I’m looking to jump back into another frugality challenge and o personal finance, money, investing, debt No     Ep24: HY$YD Six Month Update 💸💸 25 25 Ep24: HY$YD Six Month Update 💸💸 full http://howyouspendyourdays.com/?p=426 https://share.transistor.fm/s/f1cb3b82 This week marks the point where I’ve been doing this show for 6 months. It also represents 6 months of me paying more attention to my financial health than I ever have. That attention has come in the form of:

    • Doing a deep dive into where my money was going
    • Greatly reducing my discretionary spending
    • Took on a few challenges around frugality and cooking/eating at home
    • Set up systems to make sure I can’t deviate from the plan

    New goals!

    3-month goal – July 2019

    • Goal 1: Replenish my emergency fund to $1000
    • Goal 2 is more of a challenge for myself: I’m going to call each of my credit card companies and ask them to lower my interest rate. I make my payments on time and think that the exercise would be a good one to do since the worse they can say is no.

    6-month goal – October 2019

    • Goal 1: To have at least $1000 paid off on my highest interest rate card
    • Goal 2: Fund my emergency fund to $2000

    Some of the tools that I’m using:

    • Google Spreadsheets
    • Catch – for squirreling away withholding taxes and paying into retirement (referral bonus!
      • Referral bonus! “Every time someone creates a plan with your referral link and contributes $10 you’ll both receive a bonus toward Time Off.” If you’d like to try Catch, we both benefit! Sign up here
    • Simple – the bank that I use for tracking and saving goals

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week marks the point where I’ve been doing this show for 6 months. It also represents 6 months of me paying more attention to my financial health than I ever have. That attention has come in the form of:

    • Doing a deep dive into where my money was going
    • Greatly reducing my discretionary spending
    • Took on a few challenges around frugality and cooking/eating at home
    • Set up systems to make sure I can’t deviate from the plan

    New goals!

    3-month goal – July 2019

    • Goal 1: Replenish my emergency fund to $1000
    • Goal 2 is more of a challenge for myself: I’m going to call each of my credit card companies and ask them to lower my interest rate. I make my payments on time and think that the exercise would be a good one to do since the worse they can say is no.

    6-month goal – October 2019

    • Goal 1: To have at least $1000 paid off on my highest interest rate card
    • Goal 2: Fund my emergency fund to $2000

    Some of the tools that I’m using:

    • Google Spreadsheets
    • Catch – for squirreling away withholding taxes and paying into retirement (referral bonus!
      • Referral bonus! “Every time someone creates a plan with your referral link and contributes $10 you’ll both receive a bonus toward Time Off.” If you’d like to try Catch, we both benefit! Sign up here
    • Simple – the bank that I use for tracking and saving goals

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 24 Apr 2019 11:30:59 -0700 Colin Loretz Colin Loretz 875 This week marks the point where I've been doing this show for 6 months. It also represents 6 months of me paying more attention to my financial health than I ever have. This week marks the point where I've been doing this show for 6 months. It also represents 6 months of me paying more attention to my financial health than I ever have. personal finance, money, investing, debt No     Ep23: Resistance and Plateaus 24 24 Ep23: Resistance and Plateaus full http://howyouspendyourdays.com/?p=419 https://share.transistor.fm/s/8d1de523 This week I explore the Resistance that one encounters when trying to complete creative endeavors, especially ones that take a great deal of time to see to fruition.

    The idea of “Resistance” with a capital R is a big focus of Steven Pressfield’s “The War of Art”. I first read the book many years ago but it was nice to come back to the concepts now and map them to my financial goals.

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week I explore the Resistance that one encounters when trying to complete creative endeavors, especially ones that take a great deal of time to see to fruition.

    The idea of “Resistance” with a capital R is a big focus of Steven Pressfield’s “The War of Art”. I first read the book many years ago but it was nice to come back to the concepts now and map them to my financial goals.

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 17 Apr 2019 09:00:29 -0700 Colin Loretz Colin Loretz 999 This week I explore the Resistance that one encounters when trying to complete creative endeavors, especially ones that take a great deal of time to see to fruition. The idea of “Resistance” with a capital R is a big focus of Steven Pressfield’s “The War of Art”. I first read the book many years agoRead more This week I explore the Resistance that one encounters when trying to complete creative endeavors, especially ones that take a great deal of time to see to fruition. The idea of “Resistance” with a capital R is a big focus of Steven Pressfield’s “The War personal finance, money, investing, debt No     Ep22: “Life Happens” with Tanja Hester 23 23 Ep22: “Life Happens” with Tanja Hester full http://howyouspendyourdays.com/?p=415 https://share.transistor.fm/s/12965caa Tanja Hester is back this week to join us for Episode 22. We spend this episode going through updates on what is going on in our lives. Check out the bulleted list of topics below.

    • Cashflow as a Freelance
    • Adding to the Emergency Fund with a “Life Happens” fund (idea from Suze Orman)
    • Setting a new floor for your finances
    • Tax Season & Business Entities
    • Tanja’s life after releasing Work Optional
    • Creating a Money Mission Statement
    • Expectations vs Reality
    • Uber Frugal Month Challenge with The Frugalwoods

     

    Our Guest This Week

    Tanja Hester, Our Next Life

    Follow HY$YD or send us questions/feedback

     

    ]]>     Tanja Hester is back this week to join us for Episode 22. We spend this episode going through updates on what is going on in our lives. Check out the bulleted list of topics below.

    • Cashflow as a Freelance
    • Adding to the Emergency Fund with a “Life Happens” fund (idea from Suze Orman)
    • Setting a new floor for your finances
    • Tax Season & Business Entities
    • Tanja’s life after releasing Work Optional
    • Creating a Money Mission Statement
    • Expectations vs Reality
    • Uber Frugal Month Challenge with The Frugalwoods

     

    Our Guest This Week

    Tanja Hester, Our Next Life

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 10 Apr 2019 09:00:46 -0700 Colin Loretz Colin Loretz 2044 Tanja Hester is back this week to join us for Episode 22. We spend this episode going through updates on what is going on in our lives. Check out the bulleted list of topics below. Cashflow as a Freelance Adding to the Emergency Fund with a “Life Happens” fund (idea from Suze Orman) Setting aRead more Tanja Hester is back this week to join us for Episode 22. We spend this episode going through updates on what is going on in our lives. Check out the bulleted list of topics below. Cashflow as a Freelance Adding to the Emergency Fund with a “Life Happens” personal finance, money, investing, debt No     Ep21: Valuing Your Life Energy – Maximizing Income 22 22 Ep21: Valuing Your Life Energy – Maximizing Income full http://howyouspendyourdays.com/?p=408 https://share.transistor.fm/s/573f2163 In this episode, I get a little introspective and talk about valuing your life energy, as talked about a lot in Vicki Robin’s book, Your Money or Your Life. Up until now, we’ve been largely focused on minimizing spending but another way to value your life energy is to free up more time by maximizing your income.

    Life Energy Calculator

    Follow HY$YD or send us questions/feedback

     

    ]]>     In this episode, I get a little introspective and talk about valuing your life energy, as talked about a lot in Vicki Robin’s book, Your Money or Your Life. Up until now, we’ve been largely focused on minimizing spending but another way to value your life energy is to free up more time by maximizing your income.

    Life Energy Calculator

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 03 Apr 2019 09:00:05 -0700 Colin Loretz Colin Loretz 1208 In this episode, I get a little introspective and talk about valuing your life energy, as talked about a lot in Vicki Robin’s book, Your Money or Your Life. Up until now, we’ve been largely focused on minimizing spending but another way to value your life energy is to free up more time by maximizingRead more In this episode, I get a little introspective and talk about valuing your life energy, as talked about a lot in Vicki Robin’s book, Your Money or Your Life. Up until now, we’ve been largely focused on minimizing spending but another way to value your life personal finance, money, investing, debt No     Ep20: Travel, Trips & Vacations 21 21 Ep20: Travel, Trips & Vacations full http://howyouspendyourdays.com/?p=403 https://share.transistor.fm/s/bc50bfb0 This week I am checking in to discuss how I’m approaching travel, trips and “vacations” while continuing to prioritize getting out of debt.

    Resources In This Episode

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week I am checking in to discuss how I’m approaching travel, trips and “vacations” while continuing to prioritize getting out of debt.

    Resources In This Episode

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 27 Mar 2019 09:00:02 -0700 Colin Loretz Colin Loretz 1231 This week I am checking in to discuss how I’m approaching travel, trips and “vacations” while continuing to prioritize getting out of debt. Resources In This Episode Kayak Marriott Bonvoy Southwest Rapid Rewards Hotel Tonight Follow HY$YD or send us questions/feedback Twitter: @howyouspend Instagram: @howyouspend Web: howyouspendyourdays.com   This week I am checking in to discuss how I’m approaching travel, trips and “vacations” while continuing to prioritize getting out of debt. Resources In This Episode Kayak Marriott Bonvoy Southwest Rapid Rewards Hotel Tonight Follow HY$YD or send us quest personal finance, money, investing, debt No     Ep19: No Spend Month Challenge with Chanelle Bessette 20 20 Ep19: No Spend Month Challenge with Chanelle Bessette full http://howyouspendyourdays.com/?p=394 https://share.transistor.fm/s/94085b14 In this episode, I’m joined by Chanelle Bessette to talk about the “No Spend Month” challenge that we both undertook for February. We discuss what rules we set for ourselves, the challenges we ran into and the results from taking a financial detox period.

    Links from this episode

    Our Guest This Week

    Chanelle Bessette, Personal Finance Writer

    Instagram: @crbessette‬ 

    Follow HY$YD or send us questions/feedback

    ]]>     In this episode, I’m joined by Chanelle Bessette to talk about the “No Spend Month” challenge that we both undertook for February. We discuss what rules we set for ourselves, the challenges we ran into and the results from taking a financial detox period.

    Links from this episode

    Our Guest This Week

    Chanelle Bessette, Personal Finance Writer

    Instagram: @crbessette‬ 

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 13 Mar 2019 09:00:49 -0700 Colin Loretz Colin Loretz 1231 In this episode, I’m joined by Chanelle Bessette to talk about the “No Spend Month” challenge that we both undertook for February. We discuss what rules we set for ourselves, the challenges we ran into and the results from taking a financial detox period. Links from this episode Frugalwoods Get Money by Kristin Wong NPRRead more In this episode, I’m joined by Chanelle Bessette to talk about the “No Spend Month” challenge that we both undertook for February. We discuss what rules we set for ourselves, the challenges we ran into and the results from taking a financial detox period. personal finance, money, investing, debt No     Ep18: Tackling $80,000 in student loans with Nicole Rose Dion 19 19 Ep18: Tackling $80,000 in student loans with Nicole Rose Dion full http://howyouspendyourdays.com/?p=380 https://share.transistor.fm/s/a79aa248 In this episode, we’re joined by Nicole Rose Dion, who conquered over $80,000 in student loan debt in 6.5 years after graduating from college. I talk to her about the stigma around debt, the constant stress and anxiety she felt while she was paying minimum payments and how she was able to shift her mindset to focus on getting the debt gone as quickly as possible.

    I put the final payment through on Wednesday as a birthday present to myself. It’s so, so sweet. – Nicole

    You can read Nicole’s full proclamation of student debt freedom over on her Instagram at https://www.instagram.com/p/BpH1GNJFZSw/.

    Our Guest This Week

    Nicole Rose Dion

    Instagram: @nicolerosedion

    Follow HY$YD or send us questions/feedback

    ]]>     In this episode, we’re joined by Nicole Rose Dion, who conquered over $80,000 in student loan debt in 6.5 years after graduating from college. I talk to her about the stigma around debt, the constant stress and anxiety she felt while she was paying minimum payments and how she was able to shift her mindset to focus on getting the debt gone as quickly as possible.

    I put the final payment through on Wednesday as a birthday present to myself. It’s so, so sweet. – Nicole

    You can read Nicole’s full proclamation of student debt freedom over on her Instagram at https://www.instagram.com/p/BpH1GNJFZSw/.

    Our Guest This Week

    Nicole Rose Dion

    Instagram: @nicolerosedion

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 06 Mar 2019 09:00:59 -0800 Colin Loretz Colin Loretz 1511 In this episode, we’re joined by Nicole Rose Dion, who conquered over $80,000 in student loan debt in 6.5 years after graduating from college. I talk to her about the stigma around debt, the constant stress and anxiety she felt while she was paying minimum payments and how she was able to shift her mindsetRead more In this episode, we’re joined by Nicole Rose Dion, who conquered over $80,000 in student loan debt in 6.5 years after graduating from college. I talk to her about the stigma around debt, the constant stress and anxiety she felt while she was paying minimu personal finance, money, investing, debt No     Ep17: Revisiting My Goals After Four Months 18 18 Ep17: Revisiting My Goals After Four Months full http://howyouspendyourdays.com/?p=371 https://share.transistor.fm/s/775f1bed After four months of doing this show, I revisit the goals that I set in Episode 3. 17 weeks have gone by and while I am slowly chipping away at my overall financial goal, a lot has happened since I started paying better attention to my finances and cultivating a better relationship with money.

    To recap, those goals were:

    • Goal 1: Create a $1,000 emergency fund (small setback, but almost there)
    • Goal 2: Establish a plan with the IRS (done)
    • Goal 3: Choose a plan of attack for credit card payoff (in progress)
    • Goal 4: Inventory my expenses (done)
    • Goal 5: Smooth out my freelance income or get a job (in progress / always something to work on)

    Follow HY$YD or send us questions/feedback

    ]]>     After four months of doing this show, I revisit the goals that I set in Episode 3. 17 weeks have gone by and while I am slowly chipping away at my overall financial goal, a lot has happened since I started paying better attention to my finances and cultivating a better relationship with money.

    To recap, those goals were:

    • Goal 1: Create a $1,000 emergency fund (small setback, but almost there)
    • Goal 2: Establish a plan with the IRS (done)
    • Goal 3: Choose a plan of attack for credit card payoff (in progress)
    • Goal 4: Inventory my expenses (done)
    • Goal 5: Smooth out my freelance income or get a job (in progress / always something to work on)

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 27 Feb 2019 09:00:39 -0800 Colin Loretz Colin Loretz 1136 After four months of doing this show, I revisit the goals that I set in Episode 3. 17 weeks have gone by and while I am slowly chipping away at my overall financial goal, a lot has happened since I started paying better attention to my finances and cultivating a better relationship with money. To recap, thoseRead more After four months of doing this show, I revisit the goals that I set in Episode 3. 17 weeks have gone by and while I am slowly chipping away at my overall financial goal, a lot has happened since I started paying better attention to my finances and cultiv personal finance, money, investing, debt No     Ep16: “You Get What You Repeat” – Atomic Habits 17 17 Ep16: “You Get What You Repeat” – Atomic Habits full http://howyouspendyourdays.com/?p=366 https://share.transistor.fm/s/f989c9bc This week we jump into habit formation and how we can develop intrinsic motivation and develop lasting behavior change that help us to achieve our long term goals, like getting out of debt.

    Check out more about James Clear and his many amazing articles at JamesClear.com or pick up his book, Atomic Habits, to continue learning about the topics we touched on in this episode.

    Follow HY$YD or send us questions/feedback

    ]]>     This week we jump into habit formation and how we can develop intrinsic motivation and develop lasting behavior change that help us to achieve our long term goals, like getting out of debt.

    Check out more about James Clear and his many amazing articles at JamesClear.com or pick up his book, Atomic Habits, to continue learning about the topics we touched on in this episode.

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 20 Feb 2019 10:13:35 -0800 Colin Loretz Colin Loretz 1319 This week we jump into habit formation and how we can develop intrinsic motivation and develop lasting behavior change that help us to achieve our long term goals, like getting out of debt. Check out more about James Clear and his many amazing articles at JamesClear.com or pick up his book, Atomic Habits, to continue learning about theRead more This week we jump into habit formation and how we can develop intrinsic motivation and develop lasting behavior change that help us to achieve our long term goals, like getting out of debt. Check out more about James Clear and his many amazing articles at personal finance, money, investing, debt No     Ep15: Minimalism & Money 16 16 Ep15: Minimalism & Money full http://howyouspendyourdays.com/?p=357 https://share.transistor.fm/s/7acb857e This week is a little different. I jam on minimalism and how adopting minimalism in some areas of our life can help you to save money and energy so you can spend it on the things that you truly enjoy.

    Resources from this Episode:

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    ]]>     This week is a little different. I jam on minimalism and how adopting minimalism in some areas of our life can help you to save money and energy so you can spend it on the things that you truly enjoy.

    Resources from this Episode:

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    ]]>     Wed, 13 Feb 2019 09:00:21 -0800 Colin Loretz Colin Loretz 1896 This week is a little different. I jam on minimalism and how adopting minimalism in some areas of our life can help you to save money and energy so you can spend it on the things that you truly enjoy. Resources from this Episode: Life-changing Magic of Tidying Up by Marie Kondo Follow HY$YD orRead more This week is a little different. I jam on minimalism and how adopting minimalism in some areas of our life can help you to save money and energy so you can spend it on the things that you truly enjoy. Resources from this Episode: Life-changing Magic of Ti personal finance, money, investing, debt No     Ep14: Reconnecting with Food on a $30/week Grocery Budget 15 15 Ep14: Reconnecting with Food on a $30/week Grocery Budget full http://howyouspendyourdays.com/?p=341 https://share.transistor.fm/s/d825914a This week I’m joined by a new friend, Dani Morris. In this episode, Dani shares with us how she and her husband were able to thrive on a $30/week food budget for nine months so that they could buy a house.

    Each of us has been able to reconnect with food by focusing on our financial goals. Getting to $30/week requires diligence but in addition to saving money, it also has a great side effect for our health and being mindful of what we are putting into our bodies. TLDR: cook everything that you can from scratch.

    I hope you enjoy our conversation and be sure to say hello to Dani on Instagram at @danigmorris!

    Our Guest This Week

    Dani G Morris, DaniGMorris.com

    Dani has set out to help teach people “how to make every meal at home a celebration” through her own content over on Instagram, YouTube, and her website. All of which you can check out below.

    Resources from this episode

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week I’m joined by a new friend, Dani Morris. In this episode, Dani shares with us how she and her husband were able to thrive on a $30/week food budget for nine months so that they could buy a house.

    Each of us has been able to reconnect with food by focusing on our financial goals. Getting to $30/week requires diligence but in addition to saving money, it also has a great side effect for our health and being mindful of what we are putting into our bodies. TLDR: cook everything that you can from scratch.

    I hope you enjoy our conversation and be sure to say hello to Dani on Instagram at @danigmorris!

    Our Guest This Week

    Dani G Morris, DaniGMorris.com

    Dani has set out to help teach people “how to make every meal at home a celebration” through her own content over on Instagram, YouTube, and her website. All of which you can check out below.

    Resources from this episode

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 06 Feb 2019 09:00:48 -0800 Colin Loretz Colin Loretz 2130 This week I’m joined by a new friend, Dani Morris. In this episode, Dani shares with us how she and her husband were able to thrive on a $30/week food budget for nine months so that they could buy a house. Each of us has been able to reconnect with food by focusing on our financialRead more This week I’m joined by a new friend, Dani Morris. In this episode, Dani shares with us how she and her husband were able to thrive on a $30/week food budget for nine months so that they could buy a house. Each of us has been able to reconnect with food b personal finance, money, investing, debt No     Ep13: Saving Money Without Becoming a Hermit 14 14 Ep13: Saving Money Without Becoming a Hermit full http://howyouspendyourdays.com/?p=337 https://share.transistor.fm/s/9233e464 This week I talk about frugality, places you can save money automatically and ideas for frugal substitutions for behaviors and expenses that you’ve become accustomed to (ahem, hedonic treadmill).

    Resources & Tools

    • Honey  – Automatically find promo codes at checkout
    • Paribus – Find out if something you purchased goes on sale
    • Cash App – An alternative to Venmo but also gets you immediate savings with Cash Boost! ($1 off coffee shops for instance)
    • Simple – The bank that I use which I love for automatically moving money into organized savings goals
    • Digit – Another option for automatic savings
    • Acorns – An option for automatic savings/investing
    • Wirecutter – In-depth reviews for anything you might want to buy

    Follow HY$YD or send us questions/feedback

    ]]>     This week I talk about frugality, places you can save money automatically and ideas for frugal substitutions for behaviors and expenses that you’ve become accustomed to (ahem, hedonic treadmill).

    Resources & Tools

    • Honey  – Automatically find promo codes at checkout
    • Paribus – Find out if something you purchased goes on sale
    • Cash App – An alternative to Venmo but also gets you immediate savings with Cash Boost! ($1 off coffee shops for instance)
    • Simple – The bank that I use which I love for automatically moving money into organized savings goals
    • Digit – Another option for automatic savings
    • Acorns – An option for automatic savings/investing
    • Wirecutter – In-depth reviews for anything you might want to buy

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 30 Jan 2019 09:00:08 -0800 Colin Loretz Colin Loretz 1522 This week I talk about frugality, places you can save money automatically and ideas for frugal substitutions for behaviors and expenses that you've become accustomed to (ahem, hedonic treadmill). This week I talk about frugality, places you can save money automatically and ideas for frugal substitutions for behaviors and expenses that you've become accustomed to (ahem, hedonic treadmill). personal finance, money, investing, debt No     Ep12: The Infamous Spreadsheet & Lifestyle Creep 13 13 Ep12: The Infamous Spreadsheet & Lifestyle Creep full http://howyouspendyourdays.com/?p=332 https://share.transistor.fm/s/3335fc34 This week I am checking in with an update on The Numbers and releasing the spreadsheet!  Don’t worry this episode isn’t me reading a spreadsheet aloud. I also dive into lifestyle creep a little bit and share how I’ve observed the effects of hedonic adaptation at work in my own life.

    Follow HY$YD or send us questions/feedback

    ]]>     This week I am checking in with an update on The Numbers and releasing the spreadsheet!  Don’t worry this episode isn’t me reading a spreadsheet aloud. I also dive into lifestyle creep a little bit and share how I’ve observed the effects of hedonic adaptation at work in my own life.

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 23 Jan 2019 08:00:58 -0800 Colin Loretz Colin Loretz 1837 This week I am checking in with an update on The Numbers and releasing the spreadsheet!  Don't worry this episode isn't me reading a spreadsheet aloud. I also dive into lifestyle creep a little bit and share how I've observed the effects of hedonic adaptation at work in my own life. This week I am checking in with an update on The Numbers and releasing the spreadsheet!  Don't worry this episode isn't me reading a spreadsheet aloud. I also dive into lifestyle creep a little bit and share how I've observed the effects of hedonic adapta personal finance, money, investing, debt No     Ep11: Dave Ramsey & Money in Relationships with Katharine Schweitzer 12 12 Ep11: Dave Ramsey & Money in Relationships with Katharine Schweitzer full http://howyouspendyourdays.com/?p=327 https://share.transistor.fm/s/b7d6351b This week I have the pleasure of speaking with Katharine Schweitzer about how Dave Ramsey’s methods and books helped her move away from the stresses of living paycheck to paycheck.

    From a discretionary spending perspective, Katharine and I share the same largest expense category, food & drink. We discuss how she used Mint to reign in her spending and move to her own spreadsheet tracking system to track her discretionary spending on a monthly basis instead of on a category basis.

    Finally, we touch on how money can affect relationships and how creating a system with your partner can help to share expectations, avoid conflict around money and save toward shared goals.

    Follow HY$YD or send us questions/feedback

    Our Guest This Week

    Katharine Schweitzer

    ]]>     This week I have the pleasure of speaking with Katharine Schweitzer about how Dave Ramsey’s methods and books helped her move away from the stresses of living paycheck to paycheck.

    From a discretionary spending perspective, Katharine and I share the same largest expense category, food & drink. We discuss how she used Mint to reign in her spending and move to her own spreadsheet tracking system to track her discretionary spending on a monthly basis instead of on a category basis.

    Finally, we touch on how money can affect relationships and how creating a system with your partner can help to share expectations, avoid conflict around money and save toward shared goals.

    Follow HY$YD or send us questions/feedback

    Our Guest This Week

    Katharine Schweitzer

    ]]>     Wed, 16 Jan 2019 08:00:42 -0800 Colin Loretz Colin Loretz 2084 This week I have the pleasure of speaking with Katharine Schweitzer about how Dave Ramsey's methods and books helped her move away from the stresses of living paycheck to paycheck. This week I have the pleasure of speaking with Katharine Schweitzer about how Dave Ramsey's methods and books helped her move away from the stresses of living paycheck to paycheck. personal finance, money, investing, debt No     Ep10: Playing with FIRE – Scott Rieckens 11 11 Ep10: Playing with FIRE – Scott Rieckens full http://howyouspendyourdays.com/?p=301 https://share.transistor.fm/s/07ae9791 This week I’m joined by an old friend, Scott Rieckens. We first met after Scott was laid off from his job during the recession and he was looking for something that he could do that would allow him to take back control of his work. He started an online reputation company called Social Chorus and eventually got into video and film production.

    Today, he’s focused on producing “Playing with FIRE“, a documentary that uncovers the growing the community of frugalists, mustachians and valueists choosing a path to financial independence and early retirement.

    We’re looking forward to checking out “Playing with FIRE” when it hits theaters this year!

    I hope you enjoy our conversation and be sure to say hello to Scott on Twitter at @playwithFIRECo!

    Our Guest This Week

    Scott Rieckens, Playing with FIRE

    Follow HY$YD or send us questions/feedback

    ]]>     This week I’m joined by an old friend, Scott Rieckens. We first met after Scott was laid off from his job during the recession and he was looking for something that he could do that would allow him to take back control of his work. He started an online reputation company called Social Chorus and eventually got into video and film production.

    Today, he’s focused on producing “Playing with FIRE“, a documentary that uncovers the growing the community of frugalists, mustachians and valueists choosing a path to financial independence and early retirement.

    We’re looking forward to checking out “Playing with FIRE” when it hits theaters this year!

    I hope you enjoy our conversation and be sure to say hello to Scott on Twitter at @playwithFIRECo!

    Our Guest This Week

    Scott Rieckens, Playing with FIRE

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 09 Jan 2019 08:50:21 -0800 Colin Loretz Colin Loretz 2817 Colin chats with an old friend and aspiring FIer, Scott Rieckens. Today, Scott is focused on producing "Playing with FIRE", a documentary that uncovers the growing the community of frugalists, mustachians and valueists choosing a path to financial independence and early retirement. Colin chats with an old friend and aspiring FIer, Scott Rieckens. Today, Scott is focused on producing "Playing with FIRE", a documentary that uncovers the growing the community of frugalists, mustachians and valueists choosing a path to financial indepen personal finance, money, investing, debt No     Ep9: Happy New Year 2019 10 10 Ep9: Happy New Year 2019 full http://howyouspendyourdays.com/?p=298 https://share.transistor.fm/s/fb173a45 This week is a quick update from Colin. We’d love to hear any personal finance questions or stories from your own harrowed journeys toward financial independence. You can send us questions, comments and feedback to @howyouspend on social networks or shoot us an email.

    We have some new guests joining us for 2019 and we’ll start teasing those as soon as we have recordings in the can!

    Follow HY$YD or send us questions/feedback

    Thanks for listening. 

    ]]>     This week is a quick update from Colin. We’d love to hear any personal finance questions or stories from your own harrowed journeys toward financial independence. You can send us questions, comments and feedback to @howyouspend on social networks or shoot us an email.

    We have some new guests joining us for 2019 and we’ll start teasing those as soon as we have recordings in the can!

    Follow HY$YD or send us questions/feedback

    Thanks for listening. 

    ]]>     Wed, 02 Jan 2019 16:37:05 -0800 Colin Loretz Colin Loretz 404 This week is a quick update from Colin. We'd love to hear any personal finance questions or stories from your own harrowed journeys toward financial independence. You can send us questions, comments and feedback to @howyouspend on social networks or shoot us an email. This week is a quick update from Colin. We'd love to hear any personal finance questions or stories from your own harrowed journeys toward financial independence. You can send us questions, comments and feedback to @howyouspend on social networks or shoot personal finance, money, investing, debt No     Ep8: Resolutions are for suckers – 2019 Goals 9 9 Ep8: Resolutions are for suckers – 2019 Goals full http://howyouspendyourdays.com/?p=294 https://share.transistor.fm/s/33202efd This week, we review the goals that I set with Tanja in Episode 3 – Setting Goals. We discuss how and why people fail to achieve New Year’s resolutions and how we can avoid becoming part of that statistic while moving toward our results.

    • Goal 1: Create a $1,000 emergency fund
    • Goal 2: Establish a plan with the IRS Done!
    • Goal 3: Choose a plan of attack for credit card payoff
    • Goal 4: Inventory my expenses Done – check out Episode 4!
    • Goal 5: Smooth out my freelance income or get a job

    Revised goals going ahead:

    • Goal 1: Continue toward $1,000 emergency fund, move some additional money at the start of the year to speed up the process in larger chunks.
    • Goal 2: This is less of a goal and more of a new habit. I’m going to start using Catch.co to track and pay my withholding and save for “buffer” that is for vacation, getting sick or having gaps in work.
    • Goal 3: Continue to focus on my freelance income. This is not really a good goal at the moment, needs to be more defined to be measurable.
    • Goal/Habit 4: Continue to bullet journal to add a sense of structure to my days, morning and night. I don’t tend to hit my reflection but I usually double it up in the morning with reflecting on yesterday and charting out the new day.

    Thanks for listening. 

    ]]>     This week, we review the goals that I set with Tanja in Episode 3 – Setting Goals. We discuss how and why people fail to achieve New Year’s resolutions and how we can avoid becoming part of that statistic while moving toward our results.

    • Goal 1: Create a $1,000 emergency fund
    • Goal 2: Establish a plan with the IRS Done!
    • Goal 3: Choose a plan of attack for credit card payoff
    • Goal 4: Inventory my expenses Done – check out Episode 4!
    • Goal 5: Smooth out my freelance income or get a job

    Revised goals going ahead:

    • Goal 1: Continue toward $1,000 emergency fund, move some additional money at the start of the year to speed up the process in larger chunks.
    • Goal 2: This is less of a goal and more of a new habit. I’m going to start using Catch.co to track and pay my withholding and save for “buffer” that is for vacation, getting sick or having gaps in work.
    • Goal 3: Continue to focus on my freelance income. This is not really a good goal at the moment, needs to be more defined to be measurable.
    • Goal/Habit 4: Continue to bullet journal to add a sense of structure to my days, morning and night. I don’t tend to hit my reflection but I usually double it up in the morning with reflecting on yesterday and charting out the new day.

    Thanks for listening. 

    ]]>     Wed, 26 Dec 2018 10:23:41 -0800 Colin Loretz Colin Loretz 1352 This week, we review the goals that I set with Tanja in Episode 3 - Setting Goals. We discuss how and why people fail to achieve New Year's resolutions and how we can avoid becoming part of that statistic while moving toward our results. This week, we review the goals that I set with Tanja in Episode 3 - Setting Goals. We discuss how and why people fail to achieve New Year's resolutions and how we can avoid becoming part of that statistic while moving toward our results. personal finance, money, investing, debt No     Ep7: Holiday Spending & Interpersonal Relationships 8 8 Ep7: Holiday Spending & Interpersonal Relationships full http://howyouspendyourdays.com/?p=289 https://share.transistor.fm/s/a6dfadaf This week, we dive into the holidays. Calvin joins me again to discuss holiday spending and how our IRL spending habits tend to also bleed into virtual worlds like World of Warcraft.

    Follow HY$YD or send us questions/feedback

    Our Guest This Week

    Calvin Fung

    ]]>     This week, we dive into the holidays. Calvin joins me again to discuss holiday spending and how our IRL spending habits tend to also bleed into virtual worlds like World of Warcraft.

    Follow HY$YD or send us questions/feedback

    Our Guest This Week

    Calvin Fung

    ]]>     Wed, 19 Dec 2018 09:21:00 -0800 Colin Loretz Colin Loretz 1059 This week, we dive into the holidays. Calvin joins me again to discuss holiday spending and how our IRL spending habits tend to also bleed into virtual worlds like World of Warcraft. This week, we dive into the holidays. Calvin joins me again to discuss holiday spending and how our IRL spending habits tend to also bleed into virtual worlds like World of Warcraft. personal finance, money, investing, debt No     Ep6: Bullet Journaling & Freelancing 7 7 Ep6: Bullet Journaling & Freelancing full http://howyouspendyourdays.com/?p=285 https://share.transistor.fm/s/7af37ee1 Colin has a quick update this week with some resources to set the stage for the holidays.

    Resources from this Episode:

    Follow HY$YD or send us questions/feedback

    ]]>     Colin has a quick update this week with some resources to set the stage for the holidays.

    Resources from this Episode:

    Follow HY$YD or send us questions/feedback

    ]]>     Wed, 12 Dec 2018 11:11:31 -0800 Colin Loretz Colin Loretz 550 Colin has a quick update this week with some resources to set the stage for the holidays. Colin has a quick update this week with some resources to set the stage for the holidays. personal finance, money, investing, debt No     Ep5: Check In & Questions from Listeners 6 6 Ep5: Check In & Questions from Listeners full http://howyouspendyourdays.com/?p=281 https://share.transistor.fm/s/ba867943 This week I am checking in with a solo update and answering some questions from friends and listeners.

    Thanks to Steve and John for your questions!

    Follow HY$YD or send us questions/feedback

     

    ]]>     This week I am checking in with a solo update and answering some questions from friends and listeners.

    Thanks to Steve and John for your questions!

    Follow HY$YD or send us questions/feedback

     

    ]]>     Wed, 05 Dec 2018 16:15:46 -0800 Colin Loretz Colin Loretz 1122 This week I am checking in with a solo update and answering some questions from friends and listeners. Thanks to Steve and John for your questions! Follow HY$YD or send us questions/feedback Twitter: @howyouspend Instagram: @howyouspend Web: howyouspendyourdays.com   This week I am checking in with a solo update and answering some questions from friends and listeners. Thanks to Steve and John for your questions! Follow HY$YD or send us questions/feedback Twitter: @howyouspend Instagram: @howyouspend Web: howyouspendyo personal finance, money, investing, debt No     Ep4: Expenses & Consumption 5 5 Ep4: Expenses & Consumption full http://howyouspendyourdays.com/?p=267 https://share.transistor.fm/s/e88fbc3c This week we discuss facing your consumption and expenses by building an expense inventory. I looked at every recurring expense and expense category (food, drinks, etc.) to see where my money has really been going.

    This week I’m joined by a friend and fellow podcaster, Calvin Fung. We talk about the latte factor, our cocktail principle and how we both approach tracking (or not tracking) our expenses.

    Follow HY$YD or send us questions/feedback

    Our Guest This Week

    Calvin Fung

    ]]>     This week we discuss facing your consumption and expenses by building an expense inventory. I looked at every recurring expense and expense category (food, drinks, etc.) to see where my money has really been going.

    This week I’m joined by a friend and fellow podcaster, Calvin Fung. We talk about the latte factor, our cocktail principle and how we both approach tracking (or not tracking) our expenses.

    Follow HY$YD or send us questions/feedback

    Our Guest This Week

    Calvin Fung

    ]]>     Wed, 28 Nov 2018 09:00:49 -0800 Colin Loretz Colin Loretz 1681 This week we discuss facing your consumption and expenses by building an expense inventory. I looked at every recurring expense and expense category (food, drinks, etc.) to see where my money has really been going. This week I’m joined by a friend and fellow podcaster, Calvin Fung. We talk about the latte factor, our cocktailRead more This week we discuss facing your consumption and expenses by building an expense inventory. I looked at every recurring expense and expense category (food, drinks, etc.) to see where my money has really been going. This week I’m joined by a friend and fel personal finance, money, investing, debt No     Ep3: Setting Goals 4 4 Ep3: Setting Goals full http://howyouspendyourdays.com/?p=265 https://share.transistor.fm/s/e9c00fa8 This week I sit down with Tanja and talk about my upcoming goals for tackling my financial obstacles.

    • Goal 1: Create a $1,000 emergency fund
    • Goal 2: Establish a plan with the IRS
    • Goal 3: Choose a plan of attack for credit card payoff
    • Goal 4: Inventory my expenses
    • Goal 5: Smooth out my freelance income or get a job

    The audio in this one was captured poorly. Tanja was not actually recording in a fish tank and I was a little under the weather but we can only improve from here! Thanks for listening. 

    ]]>     This week I sit down with Tanja and talk about my upcoming goals for tackling my financial obstacles.

    • Goal 1: Create a $1,000 emergency fund
    • Goal 2: Establish a plan with the IRS
    • Goal 3: Choose a plan of attack for credit card payoff
    • Goal 4: Inventory my expenses
    • Goal 5: Smooth out my freelance income or get a job

    The audio in this one was captured poorly. Tanja was not actually recording in a fish tank and I was a little under the weather but we can only improve from here! Thanks for listening. 

    ]]>     Wed, 21 Nov 2018 08:00:38 -0800 Colin Loretz Colin Loretz 1635 This week I sit down with Tanja and talk about my upcoming goals for tackling my financial obstacles. Goal 1: Create a $1,000 emergency fund Goal 2: Establish a plan with the IRS Goal 3: Choose a plan of attack for credit card payoff Goal 4: Inventory my expenses Goal 5: Smooth out my freelance income or get a job The audio in this one was captured poorly. Tanja was not actually recording in a fish tank and I was a little under the weather but we can only improve from here! Thanks for listening.  This week I sit down with Tanja and talk about my upcoming goals for tackling my financial obstacles. Goal 1: Create a $1,000 emergency fund Goal 2: Establish a plan with the IRS Goal 3: Choose a plan of attack for credit card payoff Goal 4: Inventory my personal finance, money, investing, debt No     Ep2: The Numbers 3 3 Ep2: The Numbers full http://howyouspendyourdays.com/?p=259 https://share.transistor.fm/s/d48d5089 Today we talk about my debt, put actual numbers to it and draw a line in the sand.

    These numbers will be available soon at http://howyouspendyourdays.com/numbers so you can follow along with my progress.

    You can follow along with us on Twitter at @colinloretz and @our_nextlife.

    ]]>     Today we talk about my debt, put actual numbers to it and draw a line in the sand.

    These numbers will be available soon at http://howyouspendyourdays.com/numbers so you can follow along with my progress.

    You can follow along with us on Twitter at @colinloretz and @our_nextlife.

    ]]>     Wed, 14 Nov 2018 08:05:22 -0800 Colin Loretz Colin Loretz 1974 Today we talk about my debt, put actual numbers to it and draw a line in the sand. These numbers will be available soon at http://howyouspendyourdays.com/numbers so you can follow along with my progress. You can follow along with us on Twitter at @colinloretz and @our_nextlife. Today we talk about my debt, put actual numbers to it and draw a line in the sand. These numbers will be available soon at http://howyouspendyourdays.com/numbers so you can follow along with my progress. You can follow along with us on Twitter at @colinlo personal finance, money, investing, debt No     Ep1: Colin & Tanja Backstories 2 2 Ep1: Colin & Tanja Backstories full http://howyouspendyourdays.com/?p=256 https://share.transistor.fm/s/39aae5dc In this first episode, we’re setting the stage with our backstories. Who we are, what we do and how we find ourselves talking about debt today.

    You can follow along with us on Twitter at @colinloretz and @our_nextlife.

    ]]>     In this first episode, we’re setting the stage with our backstories. Who we are, what we do and how we find ourselves talking about debt today.

    You can follow along with us on Twitter at @colinloretz and @our_nextlife.

    ]]>     Wed, 14 Nov 2018 08:00:34 -0800 Colin Loretz Colin Loretz 1463 In this first episode, we’re setting the stage with our backstories. Who we are, what we do and how we find ourselves talking about debt today. You can follow along with us on Twitter at @colinloretz and @our_nextlife. In this first episode, we’re setting the stage with our backstories. Who we are, what we do and how we find ourselves talking about debt today. You can follow along with us on Twitter at @colinloretz and @our_nextlife. personal finance, money, investing, debt No     Ep0: Introducing HY$YD 1 1 Ep0: Introducing HY$YD full http://howyouspendyourdays.com/?p=222 https://share.transistor.fm/s/4d81e3fa How You Spend Your Days: Candid conversations about debt, the stigma around money and follow Colin’s journey toward debt freedom. Hosted by Colin Loretz and Tanja Hester.

    How We Spend Our Days Is How We Spend Our Lives

    More to come in Episode 1!

    ]]>     How You Spend Your Days: Candid conversations about debt, the stigma around money and follow Colin’s journey toward debt freedom. Hosted by Colin Loretz and Tanja Hester.

    How We Spend Our Days Is How We Spend Our Lives

    More to come in Episode 1!

    ]]>     Mon, 22 Oct 2018 21:56:00 -0700 Colin Loretz Colin Loretz 304 This is the show where we explore debt, break down the stigma around talking about money, and give you a behind the scenes look at my own journey of becoming debt free. This is the show where we explore debt, break down the stigma around talking about money, and give you a behind the scenes look at my own journey of becoming debt free. personal finance, money, investing, debt No