Find Your Freedom

A short episode with a review of the podcast in 2020 and an update for what to expect for Find Your Freedom going forward. Stay up to date by following Becky on Twitter/Instagram/Facebook @twentyfreeco and follow the podcast on Twitter @fyf_podcast, Instagram @findyourfreedom_podcast, and facebook Find Your Freedom Podcast. You can follow my new project at www.lifepothesis.com and on Instagram @lifepothesis.

#49: Create a new budget for next year with these 6 simple steps. By creating a new budget for the new year, you can get back on track with your financial goals and set yourself up for success. Using a spending plan to align your spending with your goals becomes even more powerful when you revisit it to make changes that will make budgeting easier. In this episode, we discuss: How to set financial goalsQuestions to help you revise an old budgetHow to align your spending & your valuesLooking at the big picture of your budget & your lifeWhat a spending plan review session should include If you want to learn more about creating a new budget, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode49/

#48: You can travel with a full time job, even if you have debt. Danielle Desir talks to me about strategies for affording travel and traveling with a full time job in this episode. Danielle is an author, speaker, podcaster, and founder of The Thought Card, an award-winning affordable travel finance blog and podcast empowering financially savvy travelers to make informed financial decisions - travel more, pay off debt and build wealth. Danielle paid off $63,000 of student loan debt in 4 years and purchased her first home at the age of 27. She has traveled to 27 countries and 4 continents, and strongly believes in not letting your financial responsibilities hold you back from pursuing your dreams. In this episode, we discuss: Using the emotional side of money to your advantage Balancing paying off debt, saving for travel & investingBuilding a travel fund with just $25 per paycheckImportant mindset shifts to save more for travel If you want to learn more about affording travel, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode48/

#47: Want to achieve your new year’s resolutions? To be part of the 8% of people who actually achieve their goals, you’ll have to do something differently. There are 8 steps to setting goals you’ll actually achieve. First, you have to set the right goals, in the right way. Then, you need to check in with your goals and track your progress so you can consistently work towards achieving them. In this episode, we discuss: How to set the right goalsMaking your goals SMARTUsing Jerry Seinfeld’s method to achieve your goalsEasy phone apps for tracking your progress If you want to learn more about goal setting, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode47/

#46: Want to travel to Hawaii for free? It’s possible with travel hacking (both Julia and I have done it)! Julia Menez is a travel hacking coach, speaker, and founder of Geobreeze. After traveling to more than 30 countries before the age of 30 and saving thousands of dollars each year by travel hacking, Julia uses her "3 Points of the Travel Hacking Lifestyle" to help overwhelmed overachievers take much-needed vacations for almost $0. In this interview, Julia talks to me about finding the balance between spending time and money to solve problems, overcoming an overly cautious money mindset, and how she reached financial independence by the age of 30. We also dive into the details of how exactly to use travel hacking to save money on travel and get luxury experiences for free. In this episode, we discuss: How to save thousands on your next tripThe top 3 mistakes to avoid when travel hackingTop tips for beginner travel hackersHow travel hacking can actually help your credit score If you want to learn more about travel hacking, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode46/

#45: Create a life you love. Having a vision board is a great way to make this happen! In this episode, we dive deep into how to set intentions that help your vision come to life. I’ll guide you through exercises to help you define your core values, create a vision of your ideal life, and then visualize that life using a vision board. In this episode, we discuss: What lifestyle design isHow to define your core valuesThe process to make an effective vision boardHow to write a long-term vision If you want to learn more about creating a vision and a vision board, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode45/

#44: What does it mean to be semi-retired? Lauren Keys is semi-retired and covers her living expenses on a part-time income. She’s taken multiple mini-retirements on her path to financial independence, in order to travel and try out her ideal lifestyle. In this interview, Lauren talks to me about taking a net $0 honeymoon to Hawaii for 6 months, living the van life to travel to all of the United States national parks, and driving a Honda Civic from Florida to Alaska. In this episode, we discuss: How a career break can actually help your careerCreating a sustainable lifestyle of part-time workWays to save six-figures on two teacher’s salaries If you want to learn more about semi-retirement and mini-retirements, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode44/

#43: Want to take a year off from work to travel? You can make this happen by taking a mini-retirement. Mini-retirements are career breaks, after which you intend to return to work. During your mini-retirement, you can do any number of things, like travel, volunteer, learn a language or try out your ideal retirement lifestyle. We discuss the details of planning and preparing for a mini-retirement in this episode, and Becky shares her mini-retirement plans. In this episode, we discuss: What a mini-retirement isHow to afford a mini-retirementWhat you need to plan before you travelTypes of mini-retirements you can takeWhat a mini-retirement means for your career If you want to learn more about mini-retirements, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode43/

#42: Do you want to take a few months off from work? You can do this with a mini-retirement. Marjolein from Radical FIRE has taken 2 mini-retirements so far, and she’s only 25 years old! She traveled for several months around South America, once solo and once with her partner. Marjolein is from the Netherlands, Europe and is focused on saving more, earning more, and investing the difference to reach early retirement at age 35. She enjoys her life along the way with regular mini-retirements. In this episode, we discuss: How to negotiate time off with your employerWays to financially prepare for a mini-retirementWhether mini-retirements interfere with early retirement (hint: they don’t)How to invest for passive income so you can retire at 35 If you want to learn more about mini-retirements, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode42/

#41: Want to know if you’re wealthy? Your net worth is one of the most accurate measures of wealth. In this episode, we’re going to talk about net worth: what it is, why it’s important, how to calculate it, and how to track it. I’ll also cover ways to improve your net worth, and what your net worth should be based on how old you are. In this episode, we discuss: 4 reasons you should know your net worthHow net worth can help you track your financial progressExamples of assets & liabilities (you might be surprised!)The only 2 ways to improve your net worth If you want to learn more about net worth, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode41/

#40: Do you want to leave a financial legacy for your family? Generational wealth is something that comes from not only passing down money, but also passing down knowledge about financial topics such as investing, attending college, and purchasing a home. Mrs. Miller is a first-generation college graduate who is on a journey to financial independence and early retirement by 2025. Mrs. Miller shares what it was like being a first-generation college graduate and the first homeowner in her family, and how she increased her financial knowledge to attend college, buy a home, earn six figures, and be on the path to retiring in her early 40s. In this episode, we discuss: How wealth is larger than just managing your moneyWays you can build generational wealth (even if you don’t have kids)Talking to your parents about their retirementHow to align your spending with your values If you want to learn more about building generational wealth, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode40/

#39: Save thousands on your student loans by paying them back quickly. When you make a plan to pay off your student loans, and take advantage of these money-saving tips, you can save thousands of dollars in interest payments! And you’ll get the peace of mind that comes with debt freedom. This episode contains a step-by-step guide for new graduates who have student debt or anyone who wants to start paying off their student loans. In this episode, we discuss: How to reduce your interest ratesWays to find extra money to pay your loansDifferent loan types and what they meanWhether refinancing can help you saveHow to figure out your timeline to debt freedom If you want to learn more about paying off student loans, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode39/

#38: How do you raise kids to be good with money? Teaching kids about money at a young age is so important. Carol Pittner co-authored the new book “Raising Your Money-Savvy Family For Next Generation Financial Independence” with her father Doug Nordman. In the book, they share how to educate your child about money from both the parent and the child’s perspective. In this interview, Carol shares what her early-retiree parents taught her to put her on the path to reaching LeanFIRE at the age of 27. We discuss how old she was when her parents taught different financial concepts, the money mistakes she made as a kid (instead of as an adult), and how her parents created different opportunities for her to gain the money confidence that she brought into adulthood. In this episode, we discuss: The #1 thing parents can do to teach their kids about moneyHow to leverage allowances as learning toolsWhat age to start teaching your kids about moneyAllowing kids to learn from their money mistakesHow to teach about compound interest If you want to learn more about teaching kids about money, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode38/

#37: The easiest way to save the most money is by focusing on your biggest 3 expenses: housing, transportation and food. This goes against conventional advice to cut back on small, everyday purchases that you enjoy, like your daily latte. By focusing on the few budget items that make up most of your spending, it’ll be easiest to reduce your overall expenses. In this episode, we discuss: Why it’s easier to reduce the big 3 than cut lattesUnconventional ways to save money on housingIdeas to save money on transportationEasy ways to lower your grocery bills If you want to learn more about saving money on your biggest expenses, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute clarity call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode37/

#36: Do you want to start your own business? Find out what becoming an online business owner is really like. Melody Johnson shares her experience transitioning into online business from full-time employment, preparing financially to become an entrepreneur, and pivoting her business during its first year. Melody is the founder of The Course Consultant, an online elearning agency, that helps small to mid-size businesses scale their services with online training and courses. We talk about how her business grew and changed from financial consulting to course creation, and we dive into the specifics of how an online business owner can create their very own course. If you’re looking to pivot from traditionally employed to self-employed, or from one-on-one services to one-to-many products, this episode is for you! In this episode, we discuss: How to financially prepare for entrepreneurshipWhen to pivot inside your businessWhat types of businesses should sell a courseSteps to validate your course ideaHow to market your course and how much to charge If you want to learn more about course creation, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode36/

#35: Are you spending too much time managing your money? Do you forget to save, invest or pay your bills on time? Financial automation can change your life. Automating your finances will save you time, save you money, and save you stress! You can automate expense tracking, net worth and investment tracking, saving money for different goals, paying your debts, credit cards and bills, and investing for retirement. In this episode, we discuss: How to track your expenses automaticallyMy favorite apps for money managementWhere you should be direct-depositing your paycheckHow to never miss paying a bill againZero-effort investing tips If you want to learn more about easy ways to manage your money, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode35/

#34: Do you want to become a freelancer? Whether you want to start freelance writing, designing or virtual assisting (or something else), this episode covers what you need to know before you go freelance. Laura Gariepy is the owner of Every Day by the Lake, a written content creation company, and she coaches aspiring freelancers. Laura shares her personal journey to freelancing, her best tips for freelancers, and some juicy details about freelance writing that you won’t want to miss. She talks about how she replaced her full-time income in less than a year, how freelancing gave her flexibility when she really needed it, and how she earns a consistent income without constantly pitching clients. In this episode, we discuss: Where to find clients (without cold pitching)How to use social media in your businessThe art of asking for referralsGetting paid & dealing with variable incomeHow to determine if a client is a good fit If you want to learn more about becoming a freelancer, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode34/

#33: Do you buy things on impulse or out of convenience? Spending habits can cost you a lot of money, and they might not even be helping you achieve your goals or live in alignment with your values. To break your automatic spending habits and start purchasing mindfully again, try a no-spend challenge. As a bonus, you’ll also save money so you can afford a big purchase, stop living paycheck to paycheck, or increase your savings. In this episode, we discuss: How a no-spend challenge can save you moneyThe benefits of doing a no-spend challengeHow to do a no-spend challenge step-by-stepTop five tips for a successful no-spend challenge If you want to learn more about saving money with a no-spend challenge, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode31/

#32: Why do you make money mistakes? Our attitudes about and actions with money are influenced by our ancestry, our past, and our money story. Your money story isn’t just how you feel about money, it’s informed by the unconscious feelings your parents, grandparents and culture have about money. Eugenie´ George MBA, CFEI uses her 10+ years of experience in tech, education, and finances to lead high-achieving women and women of color to understand their money habits. In this episode, we discuss: Talking about money with family & friends Uncovering the source of your money habits Unlearning money habits that don’t serve you How your background affects your money story If you want to learn more about uncovering the source of your money habits, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode32/

#31: Want to achieve your goals without having to budget? It’s possible, with a spending plan. Money is meant to help you achieve your goals and live your life the way you want. So don’t waste time on a budget that makes you feel deprived of everything you enjoy. A spending plan gives you a framework for how and where to spend your money in order to achieve your goals and live your life in alignment with your values. In this episode, we discuss: Why a spending plan is better than a budgetReasons to follow a spending planSix simple steps to create a spending planTips for using your spending plan successfully If you want to learn more about achieving your goals without budgeting, take a listen to this episode. If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it. Sponsor - Money Coaching with Becky It’s time for you to reach your biggest money goals, like paying off debt, starting to invest, and using your money to create your ideal life! With one-one-one money coaching, Becky will help you gain clarity about what freedom looks like for you, develop a strategy to get there, and overcome your money roadblocks on the path to financial and lifestyle freedom. Start with a free 15-minute coaching call, where she’ll help you develop a vision for your ideal life, and how your finances fit in. Not only are you going to get MASSIVE CLARITY, you’re also going to get a FREE budgeting spreadsheet, just for booking a call. For more information, visit the show notes at https://www.twentyfree.co/episode31/