As the year 2020 comes to a close, it’s time to start thinking about our financial goals for 2021. This year has presented some challenges and shown us how important it is to plan for bad times, so that when they come, we are ready, and our financial freedom isn’t threatened.

That’s why in this episode of the podcast I step you through what you need to do to look over this past year, learn from it, and use that information to create a solid financial plan going forward.

In this episode you will learn:

• Strategies and Goal Setting for 2021
• The Importance of "Finding Your Why" in Your Finances
• Tips on Reducing Income Taxes in 2021
• Tips on Increasing Income

In Episode 114 I started a series of episodes around reducing expenses in your budget in order to help you live within your means and have money left over to save for the future. It was also in follow up to Episode 113 in which I talked with “Tightwad Todd” Miller about living below your means.

That’s why in this episode of the podcast I take on that expense that seems to get bigger, your cell phone bill. It’s a budget line item I discuss a lot with my bankruptcy clients, and one that can be tough to keep under control. But with these tips and tricks, you should be able to tame that beast.

In this episode you will learn:

• Ways to reduce the monthly payment with your carrier
• Smarter strategies for getting a new phone
• How changing your usage can save you money