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Budgeting For Bacon

Budgeting For Bacon

Auteur(s): Kate Delamare
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 Passionate about food? So are we! Tune in to learn tips, tricks, and simple ways you can boost your finances and Bring Home The Bacon! You will hear about tasty eats and treats while learning about budgeting, boosting your credit, and paying off debt.2021 Budgeting For Bacon Art Gestion et leadership Nourriture et vin Économie
Épisodes
  • Chocolate and Student Loans Part Two

    Chocolate and Student Loans Part Two
    Oct 25 2021
    Parent PLUS Loan student debt is $103.6 billion in America as of 2021. This doesn’t include private loans!In today’s episode Kate delves into student loans from the perspective of a parent. Your future student may need assistance paying for a college education. We’ll cover what a parent loan is, where you should or should not get one from, and discuss tools for helping find money your child doesn’t have to pay back.Make sure to take a look at the bottom of today’s show notes to see a list of resources to help you.You can learn more about this podcast by going to www.budgetingforbacon.com. Join Kate next time as she explores Lasagna and Homeownership.  KEY TOPICS: A Little Halloween Chocolate Love/Fast FactsHow many cocoa beans does it take to make a pound of chocolate?A Halloween adult treat idea for you to enjoy!How are cacao beans and currency-related?  Parent PLUS LoansWhy should parent loans be a last resort?How much is the average amount parents borrowed to pay for college? What is an origination fee?Why are student loans and parent loans so bad?What are the pros and cons for Parent PLUS Loans vs Private Parent Loans?What are the different kinds of repayment plans for a Parent PLUS Loan?What are two places to go to for private loans? Say Hello To Scholarships And GrantsWhy are scholarships and grants the best way to pay for college?How can a student’s characteristics help to find scholarships?Where can you locate scholarship opportunities?What is a work-study and how can it help pay for school?How to write an amazing admission or scholarship essay! Other Ways To Pay For SchoolWhat is a 529 Plan? Where can you open a 529 Plan (also check out resources below)?How can a 529 Plan help you save money?What happens if you don’t use a 529 for education expenses?ROTC programs and how high school students can earn military scholarshipsWhere can you find resources for veterans, children of veterans, and future veterans?When should you apply to scholarship opportunities?Why should you choose a community college over a state school? Can you do both (Spoiler: YES!)?Reprise from last week: Why your child shouldn’t get a master’s degreeHow can your child land a $8,000 per month internship opportunity?How can an internship and distance learning be more effective?Wrapping it up: How Your Child Can Bring Home Their Bacon! Don’t forget to Follow to stay up to date on the latest episodes. Resources are below. ABOUT KATE:Kate is passionate about all things personal finance and the many ways in which money intersects with quality of life. She’s also a pet-lover and travel writer who reveres the written word. Kate provides coaching and mentoring to veterans and active-duty families to help get their budgets back on track.   CONTACTS FOR KATE:(Website): https://www.budgetingforbacon.com(Facebook): https://www.facebook.com/TheKateDelamare/(Twitter): https://twitter.com/KateDelamare(Email): kate@budgetingforbacon.com FURTHER RESOURCES:Free Calculators:https://smartasset.com/student-loans/student-loan-calculatorhttps://www.nerdwallet.com/article/loans/student-loans/biweekly-student-loan-paymentshttps://www.bankrate.com/calculators/college-planning/loan-calculator.aspxO*NET (look up a future job’s prospects and education required): https://www.onetonline.org/529 Planshttps://www.fidelity.com/529-plans/what-is-a-529-planhttps://investor.vanguard.com/529-plan/Scholarship and Internship Opportunitieshttps://www.scholarships.com/financial-aid/college-scholarships/scholarships-by-type/military-scholarships/https://www.glassdoor.com/blog/highest-paying-internships/https://www.fastweb.com/https://scholarship.collegecovered.com/ Today’s episode may contain affiliate links and we may make a commission off a sale.The Federal Trade Commission (FTC) has guidelines regarding endorsements and testimonials to protect you from misleading advertising that’s been paid for by a company. Budgeting For Bacon does occasionally include endorsements and testimonials, so it’s important to us to disclose the following: We only endorse and promote products we trust and use for ourselves.
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    29 min
  • Chocolate and Student Loans Part 1

    Chocolate and Student Loans Part 1
    Oct 18 2021
    Student loan debt in America has reached $1.73 trillion and it may cost you a home! In today’s episode, Kate delves into student loans from the perspective of a prospective, current, or former student. Be sure to look for next week's episode where she covers student loans from the perspective of a parent.  Did you know that your state could be one of the biggest factors in whether or not you leave school with excessive student loan debt? Today you’ll learn about different resources to find student loan counseling, free calculators, and tactics you can use to pay off your debt faster. Be sure to listen to the end to learn about a newer variety of chocolate! You can learn more about this podcast by going to www.budgetingforbacon.com. Join Kate next time as she explores Chocolate and Student Loans – Part 2 (Parent Skills).  KEY TOPICS:Location, Location, LocationDo different states have different student loan debts?Which states have the highest or lowest student loan indebtedness?Why is there a difference between different states?What school has the highest cost of an undergraduate degree?Where to find a free calculator for student loans?Where to find student loan counselors if you are going to be a student vs used to be a student? Choosing A DegreeGetting a degree to match your future employment needsCollege courses that don’t match your majorWhy you should do distance learning courses15 jobs that pay more than $50,000 without a degree at allDegrees that just aren’t worth the paper they are written on Say Goodbye To Masters DegreesWhy are master’s degrees dead?When should master’s degrees and PhDs be attempted?Where can you find out what education you actually need for certain jobs? Finding a balance with choosing a degree based on pay (i.e. a degree you can actually pay back)Can you get student loans discharged in a bankruptcy? Is it hard?When you hate the industry that your degree is in. What to do next. Doing The Math/Paying It Off (and a new chocolate variety you’ll want to try)Increasing your income and decreasing your expenses to create a surplus (even a small one)Debt Snowball vs Debt Avalanche: Which one is better?How to calculate your Debt-to-Income Ratio (DTI)?What is a Debt-to-Income Ratio (DTI) used for?What is the highest DTI you can have and still get a mortgage?How to end up with more student loan debt than what you originally borrowed.Should you refinance your student loans? Why shouldn’t you?Why you shouldn’t count on Public Service Loan ForgivenessHow to get a 0.25% APR discount on your student loansWhy you should still pay student loans while in school. The 50/30/20 rule for windfallsEmployee benefits! How to take advantage of employment to pay for your education. Don’t forget to Follow to stay up to date on the latest episodes. Resources are below. ABOUT KATE:Kate is passionate about all things personal finance and the many ways in which money intersects with quality of life. She’s also a pet-lover and travel writer who reveres the written word. Kate provides coaching and mentoring to veterans and active-duty families to help get their budgets back on track.   CONTACTS FOR KATE:(Website): https://www.budgetingforbacon.com(Facebook): https://www.facebook.com/TheKateDelamare/(Twitter): https://twitter.com/KateDelamare(Email): kate@budgetingforbacon.com FURTHER RESOURCES:Free Calculators:https://smartasset.com/student-loans/student-loan-calculatorhttps://smartasset.com/taxes/california-paycheck-calculatorhttps://www.nerdwallet.com/article/loans/student-loans/biweekly-student-loan-payments O*NET: https://www.onetonline.org/Articles of Interesthttps://twitter.com/danpriceseattle/status/1412608971010084864?lang=enhttps://www.indeed.com/viewjob?from=app-tracker-saved-appcard&hl=en&jk=e60f32970a6ad212&tk=1fi0tjj943ogd000https://www.forbes.com/sites/adamminsky/2021/08/12/for-many-paying-student-loans-doesnt-stop-balances-from-growing-advocate-push-cancellation-as-a-fix/?sh=4abf8a36691dhttps://www.collegesimply.com/colleges/california/scripps-college/outcomes/https://www.cnbc.com/2021/09/09/america-has-1point73-trillion-in-student-debtborrowers-from-these-states-owe-the-most.htmlhttps://www.statista.com/statistics/244041/most-expensive-colleges-in-the-us/Today’s episode may contain affiliate links and we may make a commission off a sale.The Federal Trade Commission (FTC) has guidelines regarding endorsements and testimonials to protect you from misleading advertising that’s been paid for by a company. Budgeting For Bacon does occasionally include endorsements and testimonials, so it’s important to us to disclose the following: We only endorse and promote products we trust and use for ourselves. 
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    41 min
  • BLTs and MLMs

    BLTs and MLMs
    Oct 11 2021

    Multilevel Marketing (MLMs) could negatively affect you, your daughters, or your friends.

     

    In today’s episode, Kate shares the fascinating history of the BLT and what makes it the Jack of all Trades sandwich. 

     

    Learn what an MLM is, the common elements that make them dangerous to your wallet, and a preview of some of the cult-like behaviors you can find within them.

     

    You can learn more about this podcast by going to www.budgetingforbacon.com. Join Kate next time as she explores Chocolate and Student Loans. 

     

    KEY TOPICS:

     

    What Is A BLT?

    • Where the first BLT actually came from
    • The origin of mayonnaise
    • Why tomatoes weren’t always considered food
    • Why the BLT is an “everyman” kind of sandwich

    What Is An MLM?

    • The history of the MLM
    • Learn how MLMs most commonly start up
    • A basic example of how you know you’re in an MLM
    • What is an upline or downline?
    • What is a “hun bot?”
    • Examples of some of the most common MLMs in 2021
    • What do MLMs and Pay It Forward have in common?
    • What is a ponzi scheme and how is that related to an MLM?
    • Do MLMs get into trouble?
    • How do MLMs stay legal?
    • Why are so many MLMs vitamin supplements?
    • Who do MLMs usually target?
    • How to know if an independent sales consultant/distributor for an MLM is lying to you. 
    • Why are MLM consultants never employees?
    • Can you actually make money from an MLM? When is the best time to join?

     

    Don’t forget to Follow to stay up to date on the latest episodes. Recipes and resources are below.

     

    ABOUT KATE:

    Kate is passionate about all things personal finance and the many ways in which money intersects with quality of life. She’s also a pet-lover and travel writer who reveres the written word. Kate provides coaching and mentoring to veterans and active-duty families to help get their budgets back on track.  

     

     

    CONTACTS FOR KATE:

    • (Website): https://www.budgetingforbacon.com
    • (Facebook): https://www.facebook.com/TheKateDelamare/
    • (Twitter): https://twitter.com/KateDelamare
    • (Email): kate@budgetingforbacon.com

     

    FURTHER RESOURCES (not sponsored):

    Fun Alternative BLT Ideas: 

    • https://www.delish.com/cooking/recipe-ideas/g1391/blt-recipes/

    More MLM info: Investopedia:

    • https://www.investopedia.com/terms/m/multi-level-marketing.asp

    Help for Getting Friends Out of MLMs

    • https://www.vice.com/en/article/43e573/how-to-get-a-friend-out-of-an-mlm-herbalife-amway-younique-

    Anti-MLM Coalition

    • https://mlmtruth.org/


    Today’s episode may contain affiliate links and we may make a commission off a sale.
    The Federal Trade Commission (FTC) has guidelines regarding endorsements and testimonials to protect you from misleading advertising that’s been paid for by a company. Budgeting For Bacon does occasionally include endorsements and testimonials, so it’s important to us to disclose the following: We only endorse and promote products we trust and use for ourselves.
    Voir plus Voir moins
    44 min

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