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****TOP 2.5% GLOBALLY-RANKED PODCAST**** Are you waking up exhausted and overwhelmed before the day even begins? Is your mind as disorganized as your house? Is the stress of the clutter, debt, and what to make for dinner…again, wreaking havoc on your health, parenting and marriage? Do you wish you had one authentic Catholic friend who understood your struggles? I am so excited you’re here! This podcast will teach you how to create a clutter-free, organized home that practically runs itself, with dinner on the table every night, enough money to stop living paycheck to paycheck and God at the center of it all! Hi, I’m Gina. A Catholic wife, mom and declutter coach. For twenty years, I made sure my home was organized and running efficiently; we ate healthy, homemade dinners, the laundry was done, and the bills were paid on time, yet, I still felt like something was missing. I thought if my home looked like it belonged in a magazine, my family dined on gourmet meals and I stayed out of debt, life would be peaceful and perfect. I finally realized that I was searching for fulfillment and validation from the outside world. Yes, I needed my home to run efficiently, but I felt a nagging in my heart that I was made for more. If I was going to have a full life with the peace that transcends human understanding, I needed to make God the center. I needed to put Him in charge instead of feeling like it was all up to me. I created a plan that fits ME. Simple routines to incorporate faith into my daily tasks. A lifestyle that’s allowing me to prosper into the woman God is calling me to be. And I’m ready to share it with you! If you are tired of waiting for motivation to strike and you are ready to do the work to declutter your home, plan meals your family will actually eat, break free from living paycheck to paycheck, learn to implement routines for a peaceful home that practically runs itself, AND make a new Catholic BFF who wants to share in your joys and struggles, - this podcast is for you! Grab your garden shears because you’re about to prune away the clutter of life so you can prosper into the woman God has called YOU to be! To schedule your in-person or virtual declutter, budgeting or meal planning session, please email me at: tightshipmama@gmail.com Community: https://www.facebook.com/groups/2099615896871716 Instagram:@pruningtoprosperpodcast Freebie to 100 days of decluttering list: https://mailchi.mp/f81329f110cb/9p8tvygn09 Topics included in this podcast: Catholic homemaking, home management, money, money management, broke, debt, debt free, debt free lifestyle, debt free journey, managing God’s money, stewardship, Bible readings, Catholic money management, baby steps, Dave Ramsey, Ramit Sethi, debt snowball, frugal, frugal homemaking, abundant mindset, credit card debt, student loan debt, overwhelming debt, overwhelm, clutter, cluttered home, cluttered mind, decluttering, declutter coach, tidy home, tidying, clutter free home, accountability, meals, meal planning, budgeting for groceries, grocery budget, monthly budget, gluten free meals, gluten free diet, corn free meals, corn free diet, meals for Rheumatoid Arthritis, Catholic faith, Catholic wife, Catholic mom, Catholic friendships, rosary, womens rosary group, prayer group, organizing, organization, home organization
Episodes
Wednesday Jun 14, 2023
Wednesday Jun 14, 2023
Opening Bible verse: Ephesians 5:15-17
Opportunity cost is what has been given up because a different decision was made. In today's episode we talk about the true cost of student loans. If your child graduates with student loan debt, chances are they won't also be able to afford to save for retirement. I know retirement might seem really far off for your child but the financial decisions they make now, could affect them for the rest of their lives. Investing early and often is crucial to retiring with dignity.
Check out this retirement calculator that you can input different numbers to see how much can be saved when starting early in their careers. I used an average rate of return of 7% for the numbers quoted in this episode. I also kept the numbers really simple and did not take into consideration all the potential life changes. Simply, a monthly debt of $278 or a monthly investment of $278. You can run similar scenarios for any type of credit card debt as well. Here is the website I used to demonstrate the power of compound interest working FOR you:
https://www.nerdwallet.com/calculator/compound-interest-calculator
While I don't talk about credit card debt (your teen will be offered a free gift to sign up for credit cards in college) in this episode, I wanted to share another calculator with you to play around with numbers to demonstrate to your teen the power of compound interest working AGAINST them
https://www.bankrate.com/finance/credit-cards/minimum-payment-calculator/
If you would like to work with me 1:1 on in-person decluttering, virtual decluttering, mindset, budgeting, or meal planning, please email me (Gina Morton) at: tightshipmama@gmail.com
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