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.... Show More

Episodes

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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    September 2, 2020 13 min

    Let’s learn a little something about saving today, shall we?

    GUEST

    Adam Heng. 

    TALKING POINTS

  • What defines a financial emergency?
  • Why is it important to have these funds set aside?
  • Is there a ‘magic formula’ for what number is necessary?
  • The ‘Extras’
  • QUOTES

  • Do not save what is left after spending, but spend what is left after saving –Warren Buffett
  • He who buys what he does not need, steals from himself –Swedish Proverb
  • Too many people spend m...
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