The Fiscal Fitness Blog – Get Inspired. Get Ahead.2022-11-07T15:10:09-07:00

Kids and Money: Teach Money Lessons to Your Kids Whether They’re Toddlers or Teenagers (Podcast)

The Fiscal Fitness Podcast, Episode 116: Teaching Kids about Money, No Matter Their Age In this episode of the Fiscal Fitness Podcast, Coach Jaclyn interviews Coach Jill, who is a mom of two, all about kids and money. They discuss at what age to introduce debit cards, how much you should spend on daycare, and how much allowance you should give and how it should be given or earned. Jill also admits that at one point when her two boys were young she was paying $20,000/year for childcare. It gets better parents of young kids! Answers to our community's questions [...]

Parents: The Best Thing You​ Can Give Your Child

By: Kelsa Dickey Often times when I meet with a couple or individual and we are going over their budget, we are taking a look at what we can take from one area and give to another. Maybe they want to get out of debt so we’re looking for more money to throw towards the debt. Or they want to put more money in savings, and we’re talking about all of the areas we can pull from and throw at their savings. And when that decision impacts their kids, there are a few things I often hear: “I don’t want [...]

Money Lies: “But I don’t Have Time to Budget!”

If you've ever told yourself, there's no way I can budget. It would take way too much time, we're here to dispel that myth for you. It's just not true. You do have time to budget. Guaranteed. How are we so confident? We'll let Kelsa explain in less than two minutes: Mic drop. Now get to budgeting. Here's our guide to budgeting so now you really have no excuses.

The Fiscal Fitness Podcast Episode 115: Should Your Money Work Harder For You?

Do you ever feel urgency or stress around this idea of "I need to make my money work harder for me!"? If so, this one's for you! “I want my money to be working for me.” This is something we hear from people who reach out to us all the time. When we ask clients what their goals are, so many of them will tell us they want their money to be working for them. They want to be doing MORE with their money. They want to make sure they are making the best decisions with their money, etc. And I [...]

Meet the Newest Member of the Fiscal Fitness Team

Meet Erica Rivera, Fiscal Fitness' newest team member and our Client Concierge and Executive Assistant. She joined the team at the end of 2020, and we were this excited when she said yes to our offer. (That's her on the left.) We can't wait for you all to get to know Erica a little better. To help with that, here's our interview with this adventure-seeker, softball player and military wife. What’s your title?  Executive Assistant and Client Concierge What degrees or certifications do you have?  I have a Bachelor of Arts in Biology from Colorado College that I have not [...]

The Fiscal Fitness Podcast Episode 113: Wondering What to Do with Your Stimulus Check? Financial Coach Jaclyn Wise weights weighs in.

Just because it’s called a stimulus check does not mean that it is your responsibility to go out and stimulate the economy with it. A big purpose of this stimulus bill was to provide additional financial relief to the American people. So in this episode, I am going to share five things you could do with your stimulus check to bolster and strengthen your own financial position, as well as some ideas of how you could use it to support your community. In this episode you will learn... How to check the status of your stimulus check if you haven’t [...]

The Fiscal Fitness Podcast Episode 112: How 21 Days Can Change the Way You Look at Your Money

It’s back! It only happens twice a year - our 21-Day Challenge is starting on 1/21/2021. We are super excited to kick off this challenge which is designed to help you move your money forward in a bigger, better way than you ever have before.   In this episode you will learn... What the 21-Day Challenge is and how you can sign up Who the 21-Day Challenge is designed to help Who should not participate in this challenge   To participate in the 21-Day Challenge, join our free Facebook community - this is where all the activity of the 21-Day [...]

The Fiscal Fitness Podcast Episode 111: December FC Beat

It’s one of our favorite times of the month! It is time for the December FC Beat. That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world. And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments. You’ve got to tune in for this one! Resources: New Year, New Money Checklist: fiscalfitnessphx.com/newyear - Episode 107 Choosing your word of the year: https://fiscalfitnessphx.com/oneword2019/ www.FiscalFitnessPHX.com www.FinancialCoachAcademy.com

The Fiscal Fitness Podcast Episode 110: Why I Quit Doing Baby Steps and Finally Paid Off My Car

In this episode you'll hear why Coach Jaclyn herself chose to abandon one of the popular approaches out there when working on paying off her non-mortgage debt. Famous financial gurus are known for their popular, one-size-fits all approaches to money. Here at Fiscal Fitness, we know from working first hand with hundreds of clients that no formula works for every single client. In this episode you will learn... Why the one-size-fits-all approach wasn’t working for me - what I liked and what I didn’t. How working with Coach Jill changed my approach and what she taught me How having a [...]

The Fiscal Fitness Podcast Episode 109: How To Set Goals And Get Results

Get the financial results you want by setting better goals. Many clients tell us that setting financial goals isn’t something they have ever done. They say it feels really unnatural for them and isn’t something they feel comfortable doing. As financial coaches, we have definitely found goal setting is a skill that must be learned. The better you get at setting your goals, the better you get at achieving them time and time again. Unfortunately, goal setting fails for so many people. Here are a few things we see or hear from clients when it comes to goal setting: They [...]

The Fiscal Fitness Podcast Episode 108: Forget new years resolutions, use just One Word for the Year

This episode is a re-release of episode 48 from 2019 but it is so great that we want to share it with you again. Research shows that resolutions are largely ineffective for making positive, sustainable change. Twenty-five percent of people break resolutions within one week and sixty-five percent break them within weeks. Selecting a word of the year can help us to embrace a larger vision that feels expansive and possible. A single word is easier to remember than a whole list of goals and resolutions. Your “word of the year” anchors your daily life, helps you focus, guides the work [...]

The Fiscal Fitness Podcast Episode 107: Another New Year, New $$

This episode was originally published in December of 2019 as episode 74.  It was so impactful and popular that we wanted to put it back on your radar. You may be excited to set new year’s resolutions and goals with your finances this time of year, but if you’re not careful, you could be getting ahead of yourself. Don’t set yourself up for failure, check out our New Year New Money Checklist FIRST. It will help you lay a really solid foundation which to build from! Get ready to make your new year financial goals a resounding success in 2020! [...]

The Fiscal Fitness Podcast Episode 106: The November FC Beat with Coach Jill and Coach Jaclyn

It’s one of our favorite times of the month! It is time for the November FC Beat. That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world. And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments. You’ve got to tune in for this one!     Resources: www.FiscalFitnessPHX.com www.FinancialCoachAcademy.com

The Fiscal Fitness Podcast Episode 105: Holiday Traditions and Gift Giving Ideas that will Not Break the Bank

This is a replay of one of our most popular episodes of all time, episode 23, where Kelsa and Michael discuss some ways to make your holidays more memorable while not breaking the bank. It’s the beginning of the holiday season and the Christmas commercials have already been running for weeks. The holiday season hasn’t really even started and some people are already fed up with the constant consumerism of the holidays. In this episode of The Fiscal Fitness Podcast, we discuss: the psychology of gift-giving how research tells us people don’t really care about how much you spend on [...]

The Fiscal Fitness Podcast Episode 104: Emotional Spending and Preparing for the Holidays

This time of year, tends to be one of the most EXPENSIVE for a lot of people. What is the best way to start planning and budgeting for the holiday? When there are a ton of festivities happening all within a relatively short period of time, we often can get swept away with the fun, the tradition, the expectations of family or friends. We can ALSO be tempted by all of the sales and steller marketing tactics that abound in every inbox.  We want you to be prepared for it all. Not only financially, but also emotionally, so you don't [...]

The Fiscal Fitness Podcast Episode 103: Why I Left My Teaching Career to Become a Full-Time Financial Coach

"I think a lot of people, when they meet a financial professional, assume that they’re someone who is just naturally good at money, that they have some sort of formal financial training or degree in finance, or that they’ve always made good decisions with their money. And that’s just not true. I became a financial coach because of how financially stressed I used to be and the transformation I experienced from working with a financial coach myself" Jaclyn Wise, Financial Coach at Fiscal Fitness Phoenix In this episode you will learn... What the major catalyst was for Coach Jaclyn to [...]

The Fiscal Fitness Podcast Episode 102: Why is managing our money so hard?

Does it seem like learning to manage your money is just plain impossible? Do you keep trying to become better with your money, but then you find yourself giving up? In this episode, we dive in to the 4 stages of learning with money. Learning a new skill is a very daunting task. Especially when it involves money, which is its own can of worms. But the good news is the learning to manage your money is actually a skill and you can get really good at it. Even if you want to just "be better" at managing your money, [...]

The Fiscal Fitness Podcast Episode 101: Financially preparing for home projects and renovations

How are you supposed to budget for a home renovation? In this episode Coach Jill walks you through how to assess whether a home project is worth the investment and if you decide to move forward, what are some of your options for deciding how to pay for the project. There are so many options out there - from paying cash to credit to HELOC’s to loans. Let’s talk about what option makes the most sense for YOU when deciding to move forward with a home improvement or renovation project.   Questions answered in this episode: How do you determine [...]

The Fiscal Fitness Podcast Episode 100: Do You Need a Financial Coach or a Financial Advisor?

Most of the time a brand new client finds Fiscal Fitness, they find us by searching for a “financial advisor.” And most people don’t know what a financial coach even is or how they can help. In this episode of the Fiscal Fitness Podcast, I’m going to break down the differences between financial coaches and financial advisors and help you decide which one you need on your money power team today. (Hint: You might need both!) EPISODE NOTES Here are the major differences between financial coaches and financial advisors: Financial coaches: Teach you the specific behaviors, habits, skills to be [...]

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