robertborgersen

New Podcast Episode: How Do I Do Christmas Credit Card Free? | A Debt Free Christmas

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Check out all episodes of The Debt-Free Canadian Podcast here!

How does one do Christmas Credit Card Free and without Debt?  It takes some effort and intentionality, but not only is it totally doable, but there are even ways to even make it FUN.  Moreso, it’s a MYTH that you need a credit card to buy online.  We’ve been buying online for a long time, and have been doing so without a credit card for YEARS now.  Today there are 3 tools that are AMAZING to make this easy for Canadians.

ABOUT THE LISTENER QUESTION
– The KOHO Card – sign up today, and get $20! – http://www.WePayOffDebt.ca/koho
– How To Make a Budget You’ll Actually Stick To (And Easily To!) – https://www.youtube.com/watch?v=7CKFu9y_Acw&list=PLERRPW110SDYnTJyN2KjLb1cGsXmov0SQ&index=11

RELATED
– The #1 Reason To Get Rid Of Your Credit Card TODAY! – https://www.youtube.com/watch?v=vQcSwi_2gY4
– Living a Credit Card Free Life in Canada 2020! – https://www.youtube.com/watch?v=PIKy1ESyo2Q
– Some Credit Card Math – Minimum Payments – https://www.youtube.com/watch?v=mKyW0mXzQSk

Check out all episodes of The Debt-Free Canadian Podcast here!

New Podcast Episode: The Best Side Hustles To Get Extra Income And Get Out Of Debt | Canadian Side Hustles

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Check out all episodes of The Debt-Free Canadian Podcast here!

Lots of people have asked me recently what they can do to get their income up, especially those in rural Canada.  It’s easy to look around and feel like there’s nothing here for you to do.  But all it comes down to is finding a way to meet needs.  If you can meet people’s needs, they will thank you with CASH.

RELATED:
– Got Free Time, A Vehicle, And A Huge Desire To Be Debt Free? – https://www.youtube.com/watch?v=zcSz7yMElCU
– Do you want to get out of debt? See debt as the ENEMY. – https://www.youtube.com/watch?v=IjWZ-YpaeCQ

Check out all episodes of The Debt-Free Canadian Podcast here!

New Podcast Episode: Our Story | How We Paid Off $41k In 18 Months | Our Canadian Debt Free Journey

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Check out all episodes of The Debt-Free Canadian Podcast here!

My wife and I paid off $41,000 and built a $21,000 emergency fund in a total of 25 months after Discovering Dave Ramsey.  This was such a MASSIVE shift in our financial lives.  In this video, I share the story of our get out of debt journey!

RELATED:
– The #1 Reason To Get Rid Of Your Credit Card TODAY! – https://www.youtube.com/watch?v=vQcSwi_2gY4
– Some Credit Card Math – Minimum Payments – https://www.youtube.com/watch?v=mKyW0mXzQSk

Check out all episodes of The Debt-Free Canadian Podcast here!

New Podcast Episode: So You Want To Be A Good Steward Financially | How Can I Be A Good Steward Of God’s Resources?

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Got a call from a close friend recently who was looking for some input. “I just want to feel like I’m being a good steward of what God has given me.”  It’s a common feeling of Christians when it comes to their finances.  In this video, I go through some of the main points to hit to be someone who is managing their financial resources for God.

RELATED:
– The Best Way To Pay Off Your Debt – https://www.youtube.com/watch?v=nDt80kZn9wc
– How To Make a Budget You’ll Actually Stick To (and easily too!) – https://www.youtube.com/watch?v=7CKFu9y_Acw
– The App We Use To Track Our Money – http://www.wepayoffdebt.ca/everydollar
– How much life insurance do you need? – https://www.youtube.com/watch?v=zqCfXguLOTA
– TFSA vs RRSP: Saving For Retirement In Canada – https://www.youtube.com/watch?v=0k2H-I_4b14
– Reason #56235546​ To Get Out Of Debt: RESPs! – https://www.youtube.com/watch?v=gtf7ACLMd0c

Check out all episodes of The Debt-Free Canadian Podcast here!

Is Investing Really Harder Than Brain Surgery?

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NOTE: Make sure to get the free downloadable tool beneath the video!

While listening to a podcast recently, the person being interviewed (who had gone from negative net worth to independently wealthy in less than 15 years) made a comment about investing being harder than brain surgery.

This is awful – it tells the general public like you and me that we can’t hope to figure it out, so why even try.

Investing takes some training, I sincerely believe everyone can do it, but that’s not the main point. The single biggest deciding factor whether someone has money when they retire is not if they understand what a mutual fund is, what an index fund is, what bonds are, what an ETF is, or what a hedge fund is.

It’s how much money they actually put away every single month.

(Watch On YouTube Here)

Download The Free Tool: How Much You Should Be Investing Monthly, and Where You'll End Up

COVID-19 Cut Their Income In Half: A May 2020 Budget Workshop Video for the Richards Family

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Louis and Angelina (not their real names), reached out to me in April as Louis had suddenly lost his job due to COVID-19, and was now on CERB. As he was the lone income earner, this was a HUGE deal for them. Angelina is a stay at home mom with two small kids, and the $2k from CERB is less than half of their usual takehome pay. In this video, I go through their financial situation and give them some real actionable steps they could use to move forward in this storm, and where they can move in the future as Louis heads back to work.

Watch On YouTube Here

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What do you do when you’ve got an overage (or underage) in your Zero-Based budget?

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You made a plan at the beginning of the month, and now a $200 bill came in at $192. What do you do?

Update it.

Reality has changed. If you update it while keeping a zero-based budget, this will force you to be intentional with ALL your money, including the money that randomly shows up.

Plus, there’s a major (maybe surprising) psychological benefit too!

(Watch On YouTube Here)

Reimbursable Expenses and EveryDollar

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Have you ever tried using the Dave Ramsey app EveryDollar (www.everydollar.com) and been frustrated due to having reimbursable expenses? In this video, I go over the two main ways to deal with reimbursable expenses successfully while using the EveryDollar app. Once you get this set up well, it works and works WELL.

(Watch On YouTube Here)

New Budget Workshop: Kristina Gets A Plan To Be Debt Free With A Fully Funded Emergency Fund In 20 Months!

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Kristina (not her real name) is a single (divorced) woman who lives and works in rural Alberta.  She makes about $1400 biweekly but hasn’t been living in control of her money. Over the past few years, she has built up over $16,000 in consumer debt. Today I run through creating her June 2020 budget and show how, even without a huge income, she can be debt-free with a fully-funded emergency fund all in less than 2 years!

Watch On YouTube Here

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