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Crushing Debt Podcast

The Crushing Debt Podcast is for people who want to eliminate the financial bullies in their lives. It is for listeners who want more money at the end of the month, rather than more month at the end of the money. The podcast provides answers around such topics as real estate litigation, partition, quiet title, chapter 7 liquidation, chapter 13 reorganization, and Chapter 11 business bankruptcies, short sales, loan modifications, creditor harassment and other related topics.
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Now displaying: June, 2023
Jun 29, 2023

What is the difference between a "want" and a "need"?

Can you go one day without spending money? How about one week? One Month? One Year?

Shawn & George talk every week about tips and tricks and strategies to help you save money, reduce debt, and become debt free. Now, they're "putting their money where their mouth is" and taking action to help you do just that.

In this episode, Shawn & George talk about their No Spend Challenge for July !!

A No Spend Challenge is a freeze on spending money on things that are unnecessary or no spending on things that are wants versus necessities. It can last for any length of time, so we have chosen the entire month of July - starting on July 6 (to get beyond the 4th of July Holiday). The goal of a No Spend Challenge can be whatever you want - saving money, resetting habits, paying off debt, saving money to invest, etc.

Some of the expenses you are allowed:

  • Mortgage / Rent
  • Utilities
  • Insurance
  • Bills
  • Grocercies
  • Gas

Some of the expenses you are not allowed: 

  • Eating Out
  • Anything Discretionary
  • Anything to Drink other than Water

To help track our progress, we've created a Facebook Group called "Crushing Debt Spending Challenge." To participate, you must join that group, which you can do here: Crushing Debt Spending Challenge | Facebook

Every dollar you save becomes one point. At the end of the challenge, we'll add up all the points, and Shawn & George have each put up a $25 gift card to the winner - plus you will have hopefully accomplished whatever goal you set for yourself.

One more important rule for this challenge - every dollar you save must be set aside, either in a separate bank account, or in a physical envelope.  For example, if you go to the grocery store and forgo buying a bag of chips for $5, you MUST set aside $5 in a separate bank account or in an envelope.  At the end of July, we'll count all the money saved, and the winner(s) will have saved up the most money.  Could someone go out and say "I'm not going to spend $30,000 to buy that new care in July."? Yes, but then to qualify for the game you would have to set aside $30,000 in a separate savings account !!

There are other ways to get points too:

  • Leave us a Podcast Review = 2 points
  • Submit a question for an upcoming episode = 2 points
  • Become a Patron of the show at www.patreon.com/crushingdebt = 1 point per dollar spent

Join the Facebook Group, save money, have fun and talk some trash !!  If you know someone who would benefit from a No Spend Challenge, please share this episode and ask them to join the Facebook Group!

To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com

Jun 22, 2023

What age groups tend to owe the most debt?  Boomers? Millenials? 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).

The two articles we discuss on today's show:

Let us know if you enjoy this episode and, if so, please share it with your friends!

Please also visit our sponsor Mark Purvis who helps families looking for a fun and rewarding project  by capturing the wisdom and stories of past generations that will bless their families today and for generations to come. www.LegacySpotlight.com

Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com

Jun 15, 2023

What is the Freddie Mac Exclusionary List, and why should you care?

We done many previous episodes on the Freddie Mac Exclusionary List:

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 help 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.

If you find yourself on the List, please contact us for some tips on how you might be able to come off the Freddie Mac Exclusionary List.

Let us know if you enjoy this episode and, if so, please share it with your friends!

Please also visit our sponsor Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com

Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com

Jun 8, 2023

What are the 14 steps to financial freedom?

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.

Bruce, Shawn & George talk about:

  • Being Obsessed with Financial Goals
  • Your Financial GPS (Grow, Protect & Sow)
  • TTCI (Track, Trim, Chop & Income)
  • Rainy-Day Fund
  • Reducing Debt
  • Rules of Investing

You can connect with Bruce at www.14stepstofinancialfreedom.com, as well as pick up a copy of his book there. You can connect with Bruce on Facebook and LinkedIn as well.

Some memorable quotes from today's episode:

  • "Excuses are just diagnosed lies."
  • "When your Why makes you Cry."

Let us know if you enjoy this episode and, if so, please get a copy of Bruce's book and share this episode with your friends!

Please also visit our sponsor Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com

Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com

Jun 1, 2023

It's that time of year again!  Shawn's neighborhood holds garage sales twice per year, in May and October.  At each garage sale, Shawn practices some sales technique - what better low pressure enviornment to practice sales and negotiation skills?

What sales technique did we practice at this year's May garage sale? Delegation!

How? Shawn delegated the negotiations to his sons and allowed them to keep a percentage of what they collected from selling.  How did it work out?  Listen to this week's episode!

If you want to listen to previous episodes, you can listen to:

Let us know what sales techniques you practice at garage sales!  Also, if you enjoy this episode and, if so, please share it with your friends!

Please also visit our sponsors, Mark Purvis who helps families who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com

Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com

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