Staying in the Black

Staying in the Black

Stay in the Black is dedicated helping teachers get their money straight and live their fullest life on a public servant salary Are you a teacher living check to check? Are you worried about your student loans? Can you afford to purchase a home? Can you afford to have children or send them to college? In this podcast we will cover pensions, student loans, side hustles and ways to maximize and expand your finances. We will also cover budgets, saving, credit and more! You will find information, interviews, book reviews and you will leave with action steps to help you Stay in the Black, for more go to stayingintheblk.com

Episodes

August 12, 2022 33 min

Investing while paying off debt

Utilize the 50/30/20 Budget 

50/30/20 budget divides your take-home income into suggested spending in three categories: 50% of net pay for needs, 30% for wants and 20% for savings and debt repayment

For a more aggressive debt payoff budget you may want to use the 50/10/40 Budget dividing your take-home income into suggested spending in three categories: 50% of net pay for needs, 10% for wants and 40% fo...

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What is the true cost of purchasing a car? Before you start shopping for a new car, it's important to understand the true cost of purchasing a vehicle. The price you see on the sticker is just the starting point - once you factor in things like taxes, fees, interest rates, and loan payments, the final cost can be significantly higher. And that's not even taking into account the ongoing costs of things like insurance, gas, a...

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This week the Federal Reserve enacted its second consecutive 0.75 percentage point interest rate increase, taking its benchmark rate to a range of 2.25%-2.5%.

Brief Background on Host:

Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,0...

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July 22, 2022 18 min

In today's episode, Ms. Black talks about "Do you have a crypto FOMO?"

The Fear of Missing Out, or FOMO, is a very real phenomenon in the world of crypto. With prices fluctuating rapidly and new coins being created all the time, it can be easy to feel like you're missing out on the next big thing. However, it's important to remember that not every coin is going to make you rich overnight. In fact, most cryptocurr...

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July 15, 2022 20 min

In today's episode, Ms. Black talks about "What is Pet Insurance?"

Insurance is a vital part of our lives, protecting us from the unexpected cost of accidents and illnesses. But did you know that there's such a thing as pet insurance? That's right - just like health insurance for people, pet insurance can help to cover the cost of medical care for your furry friend. And with the rising cost of veterinary care, mo...

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In today's episode, Ms. Black talks about "How is inflation impacting your current budget?"

Inflation can be a sneaky thing. It's the gradual increase in the prices of goods and services, which means your money starts to stretch a little thinner over time. While a little inflation is good for the economy, too much inflation can be detrimental. So how does inflation impact your current budget?

If you are like most Ame...

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July 1, 2022 17 min

In today's episode, Ms. Black talks about "Quarterly Report: Quarter Two"

 

Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.


Learn more about Ms. Black:

Website: http://www.s...

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June 24, 2022 30 min

5 Negotiation Skills and Strategies 

1. Understand the other person's position

2. Keep your emotions in check

3. Talk less, listen more

4. Don't walk away if you get a 'no'

5. Be assertive about what you want, but stay flexible

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June 17, 2022 26 min

College applications $450 
College visit $ 400 
Senior dues $450  (including yearbook, prom, school senior trip) 
Prom outfit $800 
Graduation/birthday party $550 
Graduation luncheon $600* 
Senior trip $600 
Grand total $3,150
*estimate

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8 Document Your College Student Needs 

1. Insurance for Your Child’s Belongings 
2. Durable Power of Attorney 
3. HIPAA Authorization Form 
4. The Psychiatric Advanced Directive 
5. Health Insurance
 6. Insurance waiver 
7. Living Will/ Medical Power of Attorney/ Advance Healthcare Directive 
8. Family Education Rights and Privacy Act (FERPA) Waiver 

Bonus 
1. Register to vote 
2. Medical and Dental Appointments

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The victims of the Texas school shooting in Uvalde - Los Angeles Times 
https://www.latimes.com/california/story/2022-05-25/victims-of-uvalde-texas-school-shooting

Yes, there were more children killed in school shootings this year than on-duty law enforcement officers killed by gunfire

https://www.verifythis.com/article/news/verify/crime-verify/more-children-killed-school-shootings-than-law-enforcement-police-killed-gunfire-firearms-2...

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In today's episode, Ms. Black talks about "What Should You Teach Your Kids About Personal Finance?"

 

Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.

 

Learn more about Ms. ...

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May 13, 2022 27 min

In today's episode, Ms. Black talks about "The 7 Stages Of Financial Freedom"

 

Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.

THE 7 STAGES OF FINANCIAL FREEDOM

1. CLARITY

Y...

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May 7, 2022 29 min
Want to start to conscious spending ask yourself these specific questions about your financial goals and life desires: 

  • Where has my money been going?
  • What do I love spending money on and why? 
  • How much do I need for fixed expenses, such as bills and rent? 
  • How much do I want to invest and save, and why? 
  • How much do I want to set aside for impulse buys or charges, such as drinks with a friend or a parking ticket?
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    In today's episode, Ms. Black talks about "The Cost Of My Senior Year In Highschool"

     

    Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.

    https://nationaltoday.com/financial-l...

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    April 22, 2022 25 min

    In today's episode, Ms. Black talks about "Quarterly Report: Quarter One"

     

    Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.

    https://nationaltoday.com/financial-literacy-mon...

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    April 15, 2022 32 min

    In today's episode, Ms. Black talks about "My Experience With Credit Cards"

     

    Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.

    https://nationaltoday.com/financial-literacy-m...

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    In today's episode, Ms. Black talks about "A Glimpse Into Financial Literacy Month"

     

    Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.

    https://nationaltoday.com/financial-li...

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    March 31, 2022 29 min

    In today's episode, Ms. Black talks about "The Dangers Of Impulse Purchases"

    Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.



    Learn more about Ms. Black:

    Website: http://www...

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