Cashology by FNBO

Cashology by FNBO

Cashology is FNBO's online community for personal finance topics and questions. If you're looking to save more, budget effectively or make better money decisions, we're here to listen and provide guidance.


April 21, 2022 10 min

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Let’s say someone decides to make charitable gifting a new year’s resolution. What makes this resolution easier to keep than others?

  • Most resolutions are about reducing negative behaviors.
  • Eating too much, spending too much, watching too much Netflix.
  • It’s tough when you go about changing or eliminating a negative behavior.
  • But when you focus your resolution on increasing positive behaviors, such as community involvement or charitable ...
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    Where do we start in protecting ourselves from identity theft? What do we need to do?

  • Start with the passwords you use for your online accounts.
  • Make sure you create new and unique passwords regularly, every three months or so.
  • Make sure you use a different password for each of your online accounts.
  • And don’t use easy to remember things like birthdates or pet names.
  • More than 40% of internet users use the same password for every account...
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    So our ‘hypothetical future Jeff Bezos’ is ready to launch off on the small business journey. Risk versus reward? Thoughts?

  • There is nothing like starting your own business. It has its advantages, such as control over decisions, future financial upside, and the pursuit of a dream creating a business around a product or service you truly believe in. 
  • There is also the challenge side: the owner is on the hook for any shortfall or misca...
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    Divide your car buying process up into two parts

  • Research
  • Deal making
  • Step one -- research

  • Figure out the specific car you want to buy
  • Play around on auto websites and “build your car”
  • Learn what it costs, base model and trim levels and extras
  • Use car sites like Edmunds and Kelly Blue Book
  • You can learn what others are paying and what’s a good price
  • This info can keep you from overpaying
  • Search dealers for incentives like cash back or low-in...
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    October 20, 2021 14 min

    Help us understand the “pay yourself first” approach to budgeting

  • Paying yourself first changes how you do budgeting
  • Normally, we take care of our needs and wants first
  • And then whatever’s left over goes to savings
  • And a lot of times nothing’s left over
  • Instead pay yourself first
  • Decide how much to save, set that aside first
  • Then budget properly to live off the remainder
  • But how do you figure out how much to save?

  • Follow the 50/20/30 rule
  • Wi...
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    September 8, 2021 13 min

    If someone wants to be their own financial quarterback, where should they start?

  • Sticking with the sports analogy for a moment, they need a good game plan.
  • And when it comes to your finances that means a financial plan.
  • So step one, really, is to develop a financial plan.
  • And you don’t have to be a financial expert to do this.
  • A financial plan is just a picture of your current finances.
  • And it identifies what your financial goals are.
  • Wha...

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    August 3, 2021 13 min


    Everybody understands what a credit card is, right? 

  • It doesn’t’ hurt to start there.
  • A credit card lets you access a line of credit offered by the bank that issued the card.
  • So every time you use it to pay for something you’re borrowing money from the card issuer to cover the purchase.
  • And then you have to pay that money back when your statement comes, either in full or over time.
  • And if you choose to make partial payment...
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    July 20, 2021 15 min


    Habit 1 – controlling spending always seems to come first. 

  • The foundation for financial health
  • Let’s talk about the 50/20/30 rule
  • We’re talking about after tax income
  • Budget 50% on necessities
  • Budget 20% for savings
  • Budget 30% for wants
  • Track your expenses against this formula
  • Are you spending too much on anything?
  • Not saving enough?
  • One bad habit can cost you, especially over time
  • And check impulse buys
  • Are you buying things ba...
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    What’s the first thing we need to do to make the most out of our money?

  • Managing your money well takes some persistency. 
  • You’ve got to have an approach and stick to it.
  • And the first thing I always tell people is to pay off debt, especially high interest debt like credit cards.
  • Pay off credit cards.
  • Pay off auto loans.
  • Pay off student loans.
  • Don’t know which one to start with? Tackle the one that’s charging you the most int...
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  • Some home improvement projects return the investment better than others, right?
  • That’s right.
  • The ones you can really count on are remodeling a kitchen or adding a bathroom, like we just said.
  • But others that help you get your money back at time of sale – reinventing a room, such as finishing a basement, adding energy efficient windows or insulation, adding a deck, and just keeping the basics in order. 
  • Money is almost al...
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    March 31, 2021 14 min

    How important is having a strong password – whether we’re talking about your account at Amazon or your online bank accounts?

  • This seems like real obvious advice but your password either makes things easy or hard for hackers.
  • Some of the most common mistakes are using your name, address or date of birth.
  • Short passwords or common words or simple number combinations are also bad ideas.
  • And you don’t want to use the same password for mult...
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    February 24, 2021 16 min

    Assessing your desired lifestyle

  • It seems like a no-brainer, but to reach the finish line and retire how you would like, you have to determine your target amount. According to an FNBO ‘Retirement in America’ study, 69 percent of those who have yet to retire hadn’t calculated how much they needed to do so. In order to know that target amount, you have to take into consideration what your life looks like and how much you want it to ad...
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    February 10, 2021 11 min

    What’s so hard about managing finances in a marriage? Why is it such a challenge?

  • You’re looking at money from a combined position now.
  • Combined income, spending habits, debt, credit scores, goals,
  • First thing you really need to do is get a picture of your combined financial position.
  • You really need to get everything out on the table.
  • Incomes, savings, retirement savings, debt, credit scores, insurance policies.
  • Get all of your assets a...
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    January 11, 2021 11 min
    What is a financial advisor exactly? What do they do? And should you be working with one? Those are some of the questions we’ll be tackling in this episode. Keep in mind, there’s a financial advisor available for every budget and financial situation. You don’t have to have a ton of money to be working with one. Tune in now!
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    Let’s talk CREDIT SCORES. 💳💲📉 Is the number just pulled out of the sky by banks? Take a listen to this episode of Cashology: Understanding, Managing and Improving Your Credit Score to see what you can do to stay on top of it.
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    November 13, 2020 13 min
    Put on those holiday sweaters, festive socks, and have some hot chocolate by the fire, because today we're talking about holiday spending and saving.
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    Is it expensive to adopt or purchase a pet? Juli asks about all that’s involved with pets and mentions how quickly a home can be taken over by all the crazy accessories. We jump back on task with the expense discussion…tune in now. Some steps to building a budget before bringing home a pet 1. Think about if you want to adopt or purchase a pet and find out costs for each 2. Research food costs 3. What accessories would you like you...
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    September 18, 2020 10 min
    In this episode you will learn what the 50/20/30 rule is and why it is important to keep to these percentages. Following this rule helps you stick to your budget and reach your goals. It gets you mentally prepared for the month so you don’t have any surprises in your spending. Tune in now!
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    What is Mortgage Refinancing, and When is the Right Time? You’re throwing your money away! (Do we have your attention now?) Well, you could be–if you haven’t looked at refinancing your mortgage in a looooooong time. This episode will walk you through refinancing, and some things to consider or ask your lender when that time comes.
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