How You Spend Your Days

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 TawnyaYou are a Badass at Making Money by Jen SinceroMoney, A Love Story by Kate NorthrupFollow Tawnya OnlineGet her free budgeting spreadsheet at The Money Life CoachFollow @tawnyaschultz on InstagramThe Money Life Coach on YoutubeThe Money Life Coach on Facebook

My Numbers in Episode 2Credit Cards: $27,293.00IRS Back Taxes: $16,000.00In Between Episode 2 and Episode 45:+$10,037 added to IRS Back TaxesNew IRS Back Tax Total: $26,037Adjusted my payment plan with the IRS in light of covid-19 and accelerate my pay down of consumer debtMy Numbers in Episode 45:Credit card balance remaining: $27,443IRS Back Taxes remaining: $12,147Next 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!Instagram: @howyouspendFacebook: How You Spend Your DaysEmail me at [email protected]

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 itFollow along with Qoins' Tuesday Tips on the Qoins InstagramPlaid is a great tool for software developers building apps on top of financial institutionsCatch - My go-to for automatically saving withholding taxesThanks, Christian! 

IncomeUnemploymentPandemic Unemployment Assistance ProgramSpendingTaking stock in where your money is goingTackling DebtNegotiate your debtsSavingEmergency FundHow to Build an Emergency Fund during an Emergency from Paula Pant, Afford AnythingLife Happens Fund from Tanja Hester, Our Next LifeInvestingTips from Tanja Hester, @our_nextlifeDon't try to time the marketInvest consistently over time, no matter what the markets are doingAvoid making panicked decisions with regards to the marketThink Long-TermIndividual StimulusEconomic Injury Disaster Loan (EIDL)Paycheck Protection Plan (PPP)

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 2020October 30, 2019 One year anniversary episodeNovember and December 2019 Holidays & heads down on workJanuary 2020 I accepted a new job (we'll talk about this more next episode!)February 2020 I started my new job at Panty DropChanelle 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 daysArticles starting coming out about flattening the curveReno Collective decided to stop meetups and other large gatherings on March 124 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 completelyMarch 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 prototypesApril 2020 We are holding more online events than ever beforeI'm working at my job and enjoying being able to focus on a single product and mission right now, especially given all that is happeningApril 14, 2020 Date of this recordingTomorrow would normally be the 2019 tax deadline, but that has been moved to July 15After 4 weeks of shelter in place, "How You Spend Your Days" is more relevant than everThere is SO MUCH to unpack in upcoming episodesThings I'm Enjoying Staying in with Emily & KumailMorning Brew email newsletterMorning Brew's Business Casual Podcast This Week in StartupsAlton Brown has a Quarantine series on YoutubeThe Daily Podcast from NYTNew York Times Coronavirus Briefing

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.Overview of how Atomic Habits has changed how I approach moneyOne year update on my numbers and progress toward getting out of debtOn track for being debt-free in December 2020.Radical Personal FinanceAvilla Theory: Finances & GroceriesFollow HY$YD or send us questions/feedbackTwitter: @howyouspendInstagram: @howyouspendWeb: howyouspendyourdays.com

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/feedbackSend me an email: [email protected]: @howyouspendInstagram: @howyouspendWeb: howyouspendyourdays.com

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 WeekMonica ThompsonFollow HY$YD or send us questions/feedbackTwitter: @howyouspendInstagram: @howyouspendWeb: howyouspendyourdays.com 

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/monthPhone Bill – $22/monthPlanet Fitness – $10/monthSpotify – $9.99/monthPlayStation Network – $89/year – $7.5/monthBridgewire – Makerspace $50/monthMy Freelance Subscriptions – $220/monthGoogle Apps – $5/monthMicrosoft – !? $9.90 and I don’t know for what or how to cancel itDomains – Ranges from $10-$30/monthAWS hosting – $1-2/monthDigital Ocean Hosting – $22/monthAdobe Creative Cloud – $52/monthNgrok $5/monthBonsai – $19/monthQuickbooks / Bookkeeping – $70/monthPingdom – $15/monthFollow HY$YD or send us questions/feedbackSend me an email: [email protected]: @howyouspendInstagram: @howyouspendWeb: howyouspendyourdays.com

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 WeekChanelle Bessette, Personal Finance WriterInstagram: @crbessette‬ Follow HY$YD or send us questions/feedbackSend me an email: [email protected]: @howyouspendInstagram: @howyouspendWeb: howyouspendyourdays.com