CentsAble Chat

CentsAble Chat

Turn pennies into dollars, become debt-free and build the life of your dreams! Budget Coach "CentsAble" Bobbi Olson delivers resources, tools & hope to help you reach your financial goals. Check back every week for new and informative episodes.

Episodes

December 12, 2021 16 min

Facing Your Fears
Fact or fiction?

Do we really deal with our fear and anxiety about money, or just push it out of our minds, hoping it will go away? That never works! So, what does? Mike Pumphrey, Founder of EmpathicFinance.com, suggests focusing on what’s really happening, instead of the outcomes we fear. Take the time to truly understand your situation, so you can deal with it effectively.

Preparing for the Next Financial Crisis
...

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Lead the Way
Kids practice what they’re taught

Your children need you to lead the way, from how to dress, how to eat properly, how to interact within a polite society and especially how to handle money. Learning good money habits sets them up to respect the power of money and what it means to them. In this episode, SammyRabbit.com creator, Sam X Renick leads you through fun and important tips, tricks and lessons that you can pass al...

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October 18, 2021 9 min

Fighting For Financial Freedom
It’s easier than you think
Spending your days, the way you want, is much more satisfying than being stuck behind a desk. To walk away from a job that no longer aligns with your values, because you are no longer a slave to debt or employer is empowering. Who wouldn’t want total control of their financial life, or to send their children out into the world, free of a burdensome paycheck to paycheck life?
...

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October 10, 2021 6 min

Money is stressful!
Don’t worry the big stuff
Dealing with money is stressful, until you recognize the excitement of budgeting. Budgeting your money relieves stress, because you don’t worry about having the money to pay a bill – it’s already there. It helps you plan for future big-ticket items like a new car or vacation. If money problems are constantly stressing you out, budgeting is the answer!

Finding An Answer
Be the commander
Cr...

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October 4, 2021 12 min

The Path To Achieving A Better Life Experience
A 529 ABLE Plan leads to less stress
Until 2014, achieving a better life experience for the disabled was difficult and resulted in a lot of heartache for them and those caring for them.
Too many assets meant reduced or lost SSI or SSDI benefits, therefore financial struggles were almost a given.
According to Author Patricia Roberts, help is available through a 529 ABLE Plan. A visit to ...

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September 26, 2021 15 min

Get Active In Your Kids’ Education
Explore the options
A lot of stress is placed on parent’s shoulders when it comes to their kids’ education; considering health risks, controversial material, dedicated teachers – can leave people wondering what is best for their young ones.
Kids must go to school, but what’s the best option? Send them to the public school in your district, homeschool, pay for a private, charter or other alternative...

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September 19, 2021 5 min

Keep Your Eyes Open
What you don’t know can cost you!
A first paycheck garners a lot of excitement, until the reality of taxes sets in, which usually leads to shock. But fear not, because there are benefits and perks that many young employees don’t know to ask about and/or aren’t explained. It’s important to remember that salaries and benefits can be negotiated, in many cases, so it’s important to consider more than just base pay.

...

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September 12, 2021 6 min

Live The Life!
The life you want…on your terms
What does your perfect life look like? A big house? Fancy cars? Investing? Philanthropy? More time with family and friends? Goals vary from person to person, but if there’s no focus on what you really want, how can you possibly know what you need? Budgeting plays a major role in your planning because it helps you pay for your daily life, while preparing for your future life.

Look Into ...

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September 5, 2021 5 min

Life on a budget is good! Whether it’s a financial or food budget, it’s empowering, freeing, calming and exciting! It changes the way you think and dream – and the decisions you make in response to those thoughts and dreams. “CentsAble” Bobbi compares budgeting to dieting and shares ideas for using both to reach your goals.

If you’re restricting your spending today, it’s for a specific spending purpose tomorrow or somewhere in the ...

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August 29, 2021 7 min

How can parents teach their kids to budget? And why should they? “CentsAble” Bobbi shares more of her interview with Neale Godfrey, Author of “Be Money Smart in Tough Times” who shares some great tips and strategies to help your kids master their financial future.

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August 22, 2021 5 min

Think tax breaks are only for the rich? Think again! “CentsAble” Bobbi details tax breaks that are perfect for teens and young adults with low income!

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August 15, 2021 6 min

The thought of buying your first car can be exciting, but the process can be daunting for parents and the kids they’re helping to buy a car! Financial Literacy Advocate, Harsimran Chohan shares her first car buying experience, while “CentsAble” Bobbi shares tips for getting prepared and creating your car-buying budget.

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August 8, 2021 3 min

Back-to-school shopping is a great time to teach your kids the value of a dollar, smart spending and saving – while giving them incentive not to break the bank! “CentsAble” Bobbi outlines an easy 4-step challenge to make this year’s shopping experience a win-win!

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August 1, 2021 9 min

Teachable moments are everywhere! Learn how to recognize and use them to teach your kids financial literacy, with the help of Financial Literacy Advocate, Harsimran Chohan and Creator of the “kids and money” topic, Neale Godfrey.

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July 25, 2021 6 min

Kids, are you financially prepared for living on your own? CentsAble Bobbi talks about the importance of financial literacy, to prepare for life after mom & dad. You’ll also get viewpoints and ideas from Author/Speaker Neale Godfrey and Rishi Vamdatt, co-creator of EasyPeasyFinance.com.

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July 18, 2021 6 min

Financial habits are created early in life and can shape our relationship with money for a lifetime! A listener shares their personal experience, which shines a light on the need for financial literacy. CentsAble Bobbi shares ideas for rebounding from financial hardships, at any age.

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July 11, 2021 5 min

Interest rates may seem like a boring topic but understanding them can save you a ton of money – and even create passive income streams! “CentsAble” Bobbi walks you through interest rate characteristics, how they work and how you can use them to better your financial life – with a little help from EasyPeasyFinance Creator, Rishi Vamdatt!

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June 20, 2021 4 min

Sometimes what looks like a good deal can end up costing more than we bargained for. “CentsAble” Bobbi shares strategies for making sure a deal is really a deal!

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June 13, 2021 5 min

Having bad credit is not the end of the world. But not understanding how it works can cost much more when it comes to things like buying cars or homes, renting an apartment, or entering a cell phone contract. A good credit score can save you TONS of money! “CentsAble” Bobbi shares the breakdown of your credit score, what to focus on and how to avoid the traps!

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June 6, 2021 5 min

Credit cards aren’t good or bad – they’re simply a tool. “CentsAble” Bobbi outlines the pros & cons of credit cards and lays the groundwork for getting the benefits without the pitfalls.

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