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RaLea @ Balanced FI

RaLea is a wife / girl mom / bookkeeper / entrepreneur / content creator / non-profit-er who loves to talk money & living frugally while petting a dog and drinking whiskey

5 Free Ways to be Content - Balanced FI

5 Free Ways to Be Content

Listen to the podcast episode: Contentment is appreciating what you have, feeling satisfied with your life, and not constantly yearning for more. Finding ways to be content can help with stress levels and preventing burnout. As more people are juggling virtual learning, unpredictable schedules, isolation, and working from home, burnout is a real concern these …

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Financial Security Step 4 - Calculate your Net Worth - Balanced FI

Financial Security Step 4: Calculate your Net Worth

Calculate your net worth to track your financial progress. Net worth goes up as assets increase and debts decrease. Listen to the podcast episode: Calculate your net worth to measure your progress toward financial security. Over time, you want your net worth to increase. Once it hits $1 million, you’re officially a millionaire, even if …

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3 Ways to Enjoy a Safe & Merry Pandemic Christmas - Balanced FI

3 Ways to Enjoy a Safe & Merry Pandemic Christmas

It’s possible to enjoy a safe Christmas during this pandemic, with a little flexibility and compassion for those who are at risk. The World Health Organization has made it abundantly clear that it’s essential to avoid gatherings this holiday season. You can celebrate a pandemic Christmas with just the people in your household, and still …

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Financial Security Step 3: Save for Recurring Expenses - Balanced FI

Financial Security Step 3: Save for Recurring Expenses

Save for recurring expenses to ease the stress of timing bill payments and paydays. Paying some bills annually can also save money on fees. Listen to the podcast episode: If you’re new to the Financial Security Steps, start here: Welcome! Once you have tracked your expenses for the last 3 months, saved your mini emergency …

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5 Tips for a Frugal Christmas - Balanced FI

5 Tips for a Frugal Christmas

Listen to the podcast episode: You can have a frugal Christmas if you carefully plan and shop around. Spending more doesn’t make you more loved, but spending wisely helps. My husband and I both have divorced and remarried parents (our kids are lucky enough to have 7 grandparents). He has half-siblings, I have step-siblings. We …

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Financial Security Step 2b - Begin Saving for Retirement - Balanced FI

Financial Security Step 2b: Begin Saving for Retirement

The beauty of saving early for retirement is in compound interest. Your small contributions grow over the years to fund life after work. Listen to the podcast episode One of the most important things you can do, now, today, is to start saving for retirement, if you’re not already. Ideally you’d save a lot early …

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3 Gratitude Prompts for your Holiday Season - Balanced FI

3 Simple Gratitude Prompts for your Holiday Season

Listen to the podcast episode Practicing gratitude will help you mentally, physically, and emotionally. Don’t let the bad overwhelm you. For the week of Thanksgiving, of course I chose to write about gratitude. That’s what one does when one has a blog. But as I started writing about my family’s journey through my daughter’s medical …

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Financial Security Step 2a - save a mini emergency fund - Balanced FI

Financial Security Step 2a: Save a Mini Emergency Fund

A mini emergency fund is crucial to your financial stability, especially when it is the only thing keeping you from reaching for a credit card. Listen to the podcast episode now Find the podcast on Apple Podcast, Pandora, Spotify, Stitcher, iHeart Radio, & Amazon Music Dave Ramsey and I agree that the first step for financial security is to save up …

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