Blog 2017-07-29T12:48:02+00:00

The Fiscal Fitness Blog


The Saver and The Spender Podcast Sprint: How to Budget for a Fluctuating or Commission-Based Income

One of the questions we get all the time is how to budget for a fluctuating income.  Teachers, per diem workers, business owners, employees with hourly pay with bonuses, people paid with commissions or even just not paid on a set schedule say that it's impossible to budget.  You're not alone, and we're here [...]

January 10th, 2018|Budgeting, Learn, Podcast, Strategize|

The Saver and The Spender Episode 25: Are You Saving Enough? How to Stop Overspending

In this week's podcast, we talk about the best way to determine how much you should be saving as well as the best places to keep all this newly-save money. We also answer a listener question about the places and ways we most commonly see people overspend (we're looking at you daily coffee buyers). [...]

December 21st, 2017|Be Inspired, Learn, Podcast, Strategize|

Kelsa featured on Arizona Family Channel 3

The holiday season is a wonderful time of year but it can also be very stressful because there is so much spending going on.  Kelsa was featured 4 times over the past few weeks on Arizona Family Channel 3 news talking about budgeting, money and the holidays. Budgeting for the holidays now can save [...]

December 1st, 2017|Learn, News, Strategize|

Why I Love and Hate Dave Ramsey

Nowadays everyone is an expert in personal finance and budgeting.  There are a lot of people and companies that help people with their money stress.  Some focus on mindset.  Some focus on living minimally and sacrifice.  Others tell people to try using a specific app or worksheet to help them budget. I love that this [...]

November 27th, 2017|Be Inspired, Financial, Learn|


You've likely heard about our fabulous workshops!! I wouldn't be surprised, the news is spreading quickly that they are changing the way people see and feel about their money! Normally the workshops are live in our Mesa, Arizona office but in October we had our first live and online workshops and they were a [...]

November 17th, 2017|Learn, Workshops|

The Saver and The Spender Episode 23: Holiday Traditions and Gift Giving Ideas that will Not Break the Bank

It's the beginning of the holiday shopping season and more people are saying no to the constant consumerism of the holidays.  People have had an awakening that they own too much stuff. We're giving ourselves too much, we're giving our kids too much and we're all feeling kind of sick to our stomachs about it.  [...]

November 10th, 2017|Financial, Learn, Podcast, Strategize|

Budgeting for a new baby

Our beautiful and smart daughter Carmen will be 2 years old in December. So that tells you it took us almost two years to put together our all-around fabulous budgeting tool to help you plan for your new arrival. We took everything we learned from our own experience, everything I've seen from clients' budgets [...]

November 7th, 2017|Financial, Learn, Save|

The Saver and The Spender Episode 22: Active vs. Passive Investing with Financial Advisor Shanna Tingom

In this week's episode of The Saver and The Spender podcast, Kelsa avoids breaking Michael's computer and interviews financial advisor extraordinaire, Shanna Tingom, from Heritage Financial Strategies in Gilbert, AZ. Most people tend to take a hands off approach to investing, especially if you hire a financial advisor.  There are different strategies that people [...]

November 3rd, 2017|Financial, Learn, Podcast, Strategize|