The holiday season is a time of joy, giving, and celebration, but it can also be a time of stress, especially when it comes to managing your finances. If you've found yourself in a last-minute scramble to budget for the holidays, don't worry – Curbelo Financial Coaching is here to help!

We understand that unexpected expenses and busy schedules can make it challenging to plan ahead, but with a few practical strategies, you can still enjoy the season without breaking the bank. In this blog, we'll share some effective last-minute holiday budgeting tips to keep your finances in check.

How much credit card debt do you have?  At what interest rate?

What happens if you can't communicate with your significant other?

How do you protect the money you inherit from a partner who spends?

This week Shawn & George tackle these topics on the show, giving their takes on questions and headlines such as:

• Americans are hiding their credit card debt

• I don't want my spendthrift husband to get his hands on my inheritance

• My boyfriend wants to put an end to my money-saving lifestyle

What do you think? Do you talk to others about your money or your debt?

I meet a lot of people who’re looking for the right tools to help their businesses achieve milestones. And when I interact with them, I realize that most people don’t really have much clarity or knowledge about ‘cash-flow management’, which is a major factor that contributes to the success of a business.

And this lack of understanding often impairs their ability to make and manage money, hence leading to slow or negative growth rates.

Every company’s goal is to make money, but how you utilize it and re-invest it is what makes all the difference.

There's been a bit of news lately on President Biden's plan to cancel student loan debt, especially after the United States Supreme Court ruled that the President has no authority to cancel the debt without Congressional action.

What are your thoughts?  Are you in favor of canceling debt?  Against it?

Recently, the New York Times came under fire for suggesting that "death" is a way to cancel student debt. Unfortunately, they are correct.  Note that neither the article nor Shawn & George are suggesting that people hurt themselves in any way to avoid paying back student loans. From a legal and contractual perspective, if a student loan borrower (any borrower really) passes and there is no co-signor on the debt, then the debt is eliminated - subject to the borrower's estate having no money.

We’re in the middle of summer, how’s it been going with the finances?

Depending on where you’re at it may be time to take a closer look at your finances and ensure they are ready to make the most of this vibrant time of the year. Whether you're a potential client seeking financial guidance or an existing client looking for fresh insights, these five simple tips will help you enhance your spending and saving habits, allowing you to enjoy a financially sound and stress-free summer.

The Fourth of July was a few days ago! How did you celebrate?

How did you say "thank you" to those that protect us and our freedoms?

This week's guest on the Crushing Debt Podcast is C. David Cain, CEO and Chief Hero Evangelist of Heroes Home Advantage. He has 24 years' experience as a top-producing Loan Officer, and is on a mission to create brand awareness for the largest hero rebate program in the country when buying or selling real estate!

As we reach the midpoint of the year, it's an opportune time to assess your financial progress and make necessary adjustments to meet your money goals. Reviewing your financial situation helps you identify areas of improvement and sets you up for success in the second half of the year. In this blog post, we'll explore three practical tips to assist people struggling with their budgets in improving their chances of accomplishing their money goals for the remainder of the year.

What is your financial personality? Your financial health? The TTCI Method?

Today's guest on the Crushing Debt Podcast is a CPA, speaker, course creator, and passionate about helping people become financially free. Bruce Scott is the territory leader of (senior partner) at PricewaterhouseCoopers Jamaica. He has an MBA, FCA, FCCA, CPA (Colorado), chartered accountant (Jamaica), and chartered certified accountant (UK). Bruce is passionate about financial intelligence leading to financial independence, and he offers financial training in several countries on strategies and behavioral changes required to pursue a path of financial freedom.

“But what really is a financial coach?”

It’s a question I get asked A LOT. By friends, family, folks in my community, and even clients.

We hear the term “financial coaching” get thrown around a lot, but when I actually interact with people, I realize that most people don’t really have much clarity on who a financial coach is, how we’re different from financial advisers and CPAs, and what we can do to help.

Someone who finds themselves on the Freddie Mac Exclusionary List is prohibited from participating in a transaction where Freddie Mac is a party - this excludes buyers, sellers, Realtors, Lenders, Title Agents, Attorneys, Inspectors, Appraisers, and others.

In today's episode, Shawn & George talk about how Shawn almost literally stumbled across the Exclusionary List, and how helping people come off the List turned into a part of the Yesner Law practice. Plus we give tips on how to stay off the List and ask to come off the List if you find yourself on the List.

I meet a lot of people who’re looking for help with their finances and money habits. And when I interact with them, I realize that most folks don’t really understand emergency funds as well as they could…

What age groups tend to owe the most debt? Boomers? Millennials? Gen X?

Would it surprise you to know that credit card debt, on average, has returned to or exceeds pre-pandemic levels?

Why has it increased, and what can you do about it? How do you break the credit card cycle?

In this week's episode, Shawn and George talk about the reason that credit card debt has increased and some tactics for reducing or crushing your credit card debt if it has risen to a level that you are struggling (or even if you just want to pay it off).

In today's fast-paced world, where expenses seem to outweigh income, creating a budget has become more critical than ever. Budgeting is the foundation for achieving financial independence and securing a prosperous future. It allows individuals to take control of their finances, make informed decisions, and pave the way towards a more stable and fulfilling life. In this blog post, we will explore the importance of creating a budget and the profound impacts it can have on your journey to financial independence.