Money Matters

In this episode of the Money Matters Podcast, hosts Richard Hill and Nia Parks dive into the perplexing question: "How do people who make less than me have much better lives?" Our guest, a 25-year-old earning $60k annually, shares his struggles with financial instability despite a seemingly adequate income. Richard and Nia will dissect the critical aspects of budgeting, saving, investing, and spending to uncover the underlying issu...

This is the recorded replay of our online event where we shared effective strategies to help you break free from debt and achieve financial freedom.

Join Star Adams and Jonathan Severe with helpful tips on dealing with credit card debt and other financial burdens. Our expert credit counselors will provide practical tips and guidance to help you take control of your finances. Don’t miss this opportunity to learn how to manage your d...

Richard Hill and Nia Parks delve into the challenging topic of job loss and its impact on personal finance. They share the story of a listener who worked hard to build his credit score to 701, only to see it plummet to the mid-300s after losing his job and falling behind on payments. Richard and Nia discuss practical steps to rebuild financial stability and creditworthiness, including assessing current finances, communicating with ...

In this episode of the Money Matters Podcast, hosts Richard Hill and Nia Parks tackle the challenging issue of dealing with a spouse's spending problem. Responding to a listener's heartfelt message, they discuss the impact of mental health on financial behavior and offer practical steps to manage spending and improve financial stability. Learn about the importance of open communication, setting boundaries, creating a budget, and se...

In this episode of the Money Matters Podcast, hosts Richard and Nia discuss the critical factors that affect your credit score, including credit utilization, payment history, credit history length, and the types of credit you use.

They offer practical tips such as keeping your credit utilization low, making timely payments, and using the AZEO method. Additionally, they emphasize the importance of tracking your FICO score and checki...

Daydreaming About a Debt-Free Life? Turn Your Dreams into Reality

In this episode of the Money Matters Podcast, hosts Rachel Read and Nia Parks delve into the profound benefits of living a debt-free life. They explore how financial flexibility, reduced stress, and greater freedom to pursue your passions can transform your quality of life. Richard and Nia provide practical steps to achieve financial freedom, starting with assessing ...

Feeling Guilty Over Every Purchase? Break Free with Expert Credit Counseling

In this episode of the Money Matters Podcast, host Nia Parks is joined by Rachel Reed, a financial advisor from American Consumer Credit Counseling, to discuss the constant guilt and anxiety many people feel with every necessary purchase. They explore why this happens and how it affects financial and emotional well-being. Rachel provides practical steps to...

Tired of Borrowing from Loved Ones? Find Relief Today!

In this episode of the Money Matters Podcast, host Nia Parks is joined by Rachel Reed, a financial advisor from American Consumer Credit Counseling. They discuss the emotional and financial challenges of constantly borrowing money from friends and family. If you find yourself relying on loved ones to make ends meet, this episode is for you.

Nia and Rachel explore the feelings o...

In this episode of the Money Matters Podcast, hosts Richard Hill and Nia Parks address the frustration of dealing with high interest rates that make it seem impossible to pay down debt. If you’re tired of seeing your hard-earned money go towards interest rather than reducing your principal balance, this episode is for you.

Richard and Nia discuss why high interest rates have such a significant impact on debt repayment and what ...

In this episode of the Money Matters Podcast, hosts Richard Hill and Nia Parks address the common struggle of constantly prioritizing bills over personal desires and hobbies. If you feel like your financial obligations are taking all the joy out of life, it’s time to regain control of your finances and find a balance between your needs and wants.

Richard and Nia discuss practical steps to create a detailed budget that allows you to...

In this episode of the Money Matters Podcast, hosts Richard Hill and Nia Parks address the all-too-common issue of relying on credit cards for essential purchases like groceries and necessities. If cash is running low and you’re turning to credit to cover basic expenses, it’s time to break the cycle. Richard and Nia discuss practical steps to regain control of your finances, from creating a comprehensive budget to building an emerg...

In this episode of the Money Matters Podcast, hosts Richard Hill and Nia Parks address the stress and anxiety that come with unexpected expenses. From medical bills and car repairs to sudden job loss, these surprises can feel like a crushing blow to your finances. Richard and Nia share practical steps to help you manage these unexpected expenses and regain control.

They discuss the importance of building an emergency fund, creating...

In this episode of the Money Matters Podcast, hosts Richard Hill and Nia Parks tackle the frustrating issue of constantly skipping social outings because your budget can't handle it. They delve into practical strategies for regaining control of your finances so you can enjoy life without the constant worry of debt.

Richard and Nia discuss the importance of creating a realistic budget, prioritizing spending, and making conscious cho...

In this episode of the Money Matters Podcast, hosts Richard Hill and Nia Parks delve into the frustrating experience of feeling like your credit card balance never budges, no matter how many payments you make. They explore the reasons behind this common issue, such as high-interest rates and minimum payments that barely cover the interest. Richard and Nia offer practical steps to break free from the cycle of debt, including creatin...

Welcome to the Money Matters Podcast, where Richard Hill and Nia Parks talk about everything finance, from saving and investing to managing debt and easing financial anxiety. In this episode, Richard and Nia dedicate their discussion to those who experience anxiety when looking at their bank accounts or attending social events due to debt. They understand how overwhelming this can be and are here to provide practical advice and tip...