More Sense Than Dollars

Harry Roberts, Nicholas Roberts

Some people have more dollars than sense. They spend money they don’t have, rack up debt, and have no control over their personal finances. If you don’t want to be that person, join Nick and Harry for the personal finance class you should have had in school. Every episode covers a different topic with no background knowledge needed and only what’s important. Whatever your money situation is today, you’ll learn how to get on track with some bite-size steps and a little financial sense. Questions? Suggestions? Episode requests? Let us know at podcast@moresensethandollars.fm or via our website at moresensethandollars.fm/contact. read less

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Lump Sum Income: Balancing Your Bonus

Lump Sum Income: Balancing Your Bonus

Have you ever blown a bonus and felt guilty you didn't set any aside for savings? In this episode we discuss how to allocate those lump sums like annual bonuses or tax refunds so you can treat yourself without worrying about saving for the future.

Episodes

Lump Sum Income: Balancing Your Bonus

Lump Sum Income: Balancing Your Bonus

Have you ever blown a bonus and felt guilty you didn't set any aside for savings? In this episode we discuss how to allocate those lump sums like annual bonuses or tax refunds so you can treat yourself without worrying about saving for the future.

A Guide for Your Goals: Flowchart 2.0

A Guide for Your Goals: Flowchart 2.0

Wondering where to put your savings to give yourself the best bang for your buck? In this episode we discuss which accounts to fill in which order by using a detailed flowchart to bucket your goals money. Here's a link to the flowchart for you to follow along.

Budgeting, Retirement, and Checking Yourself: Season 6 Q&A

Budgeting, Retirement, and Checking Yourself: Season 6 Q&A

In this episode we answer another batch of our listeners' questions. From top budgeting apps to savings guilt, from retirement planning to lifestyle inflation, Harry and Nick have you covered. Thank you to everyone that continues to listen and support the show, see you in Season 7.

Retirement Roadmap: How Much Do You Need by When?

Retirement Roadmap: How Much Do You Need by When?

Have you worried whether you'll have enough savings to retire when you want? In this episode, we'll walk through the benchmark milestones you should aim for at different ages and why starting to save early is so helpful thanks to compound interest. Whether you're just starting your savings journey or looking to grow your nest egg, this episode will give you the insights and practical tips to set yourself up for a stress-free retirement.

Pet Ownership: Budgeting for a Furry Friend

Pet Ownership: Budgeting for a Furry Friend

Owning a pet can be fun and rewarding, but it can also be expensive if you don't know what bills to expect. In this episode, we uncover some of the most common upfront and recurring costs that come with getting a pet as well as some you might have missed so you can be financially prepared for your new pet.

Check Your Checking: Upgrading Bank Accounts

Check Your Checking: Upgrading Bank Accounts

How long have you been using the same checking and savings account at the same bank? There are more account options out there than ever, and with the competition comes some nice incentives to switch to a better bank. In this episode we discuss reasons to switch accounts and how to do it painlessly, whether its online or a physical bank.

Keeping Up With the Resolutions: A How-to

Keeping Up With the Resolutions: A How-to

If 80% of New Year's Resolutions fail by February, how are you going to make sure yours survive the year? In this episode, we discuss how to set yourself up for success in making and keeping your financial resolutions to reach your personal finance goals.

Year in Review: 2023 Edition

Year in Review: 2023 Edition

A lot happened in the world of finance in 2023, and in this episode we'll recap the most relevant stories and events of the year. From crypto fraud to the Eras Tour, we discuss how this years events could impact your 2024 financial goals.

Lifestyle Creep: Please Enjoy Responsibly

Lifestyle Creep: Please Enjoy Responsibly

When you've successfully negotiated a pay raise, what do you do with the extra money? In this episode we discuss how to allocate extra income to give yourself some reward today and still set your future self up for success.

Giving Thanks: The Sky Is Not Falling

Giving Thanks: The Sky Is Not Falling

Happy Thanksgiving listeners! If you pay attention to the 24 hour news cycle, the present and future economy seem pretty bleak. Luckily the actual data is a lot more promising, but less dramatic. In this episode we discuss some of the good news out there to be grateful for and how to avoid the negativity the press likes to highlight.

Budgeting Tools: A Map of Apps

Budgeting Tools: A Map of Apps

Gone are the days where you need pen and paper or a spreadsheet template to create your budget. Today there are apps and software tools that track your transactions and offer recommendations on how to dial in your spending the way you want. In this episode, we'll walk through some of the top rated apps out there to help you figure out which one is best for you.

Budgeting 2.0: What's Your Split?

Budgeting 2.0: What's Your Split?

Have you tried the 50/30/20 budget and found it doesn't work for you? In this episode we offer up some other ways to allocate your paycheck that help you save for your future and keep the lifestyle you want.

Season 5 Q&A: Your Questions, Our Answers

Season 5 Q&A: Your Questions, Our Answers

This season had some great questions come in. In this episode we answer a few on interest rates, buying a car, credit scores, and more. Thank you all for listening to another chunk of episodes, more to come and let us know what topics you'd like to hear.

Rates are Rising: What Now?

Rates are Rising: What Now?

Everyone is saying interest rates are too high to buy cars or houses, but why are rates high and who decides the rates? In this episode we'll explain how to Federal Reserve sets interest rates and what impact those rates have on everyday life.

Pick A Card, Any Card: Credit Card Churning Pt 2

Pick A Card, Any Card: Credit Card Churning Pt 2

You're sold on credit card churning and want to apply for your first card, but which type of card from which bank? This episode covers more specifics on credit card bonuses and recommendations on cards we own with the best perks available.

More Cards, More Points: Credit Card Churning Pt 1

More Cards, More Points: Credit Card Churning Pt 1

Credit card sign up bonuses might seem too good to be true, but you can earn some big rewards with a bit of discipline. In this episode we'll give the basics behind credit card churning and whether you should be getting into the game or not. Your regular spending habits might be able to get you hundreds or thousands in free travel or cash back.

Short Term Investments: Protect Your Principal

Short Term Investments: Protect Your Principal

Wondering what to do with money you need safe but isn't making any interest in your checking account? In this episode we walk through some options for shorter term investments that are safer than stocks but give more return than sitting under the mattress. We explain how to buy fixed income investments and the pros and cons of each.

Bank Account Bonuses: Deposit for Cash

Bank Account Bonuses: Deposit for Cash

Banks are always looking for ways to attract new customers, so why not take advantage? Bank account bonuses are a way to make some extra cash in exchange for a little time and effort. We'll cover the pros and cons of opening accounts to get a few hundred dollars and help you decide whether its a good option for you.

Retail Therapy: Self-Care or Self-Sabotage?

Retail Therapy: Self-Care or Self-Sabotage?

We've all done it: You're having a rough day, you go do some online shopping, you feel better for a bit, then you regret buying something you didn't need and you're stuck with credit card bills. In this episode you'll learn tips to practice self-care and treat yourself without hurting your budget and future financial goals.

Credit Scores 2.0: Why Keep it High?

Credit Scores 2.0: Why Keep it High?

It might seem like just a number, but a high credit score can make your life easier and save you money in a lot of different ways. In this episode we'll bust some myths about credit scores and explain how a higher score opens more opportunity on your personal finance journey.