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Still Being Molly

20 Ways to Become a Financially Responsible Adult | Business with Purpose Podcast EP: 270

20 Ways to Become a Financially Responsible Adult | Business with Purpose Podcast EP: 270

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  • 20 Ways to Become a Financially Responsible Adult | Business with Purpose Podcast EP: 270
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Click a timestamp below to be taken to the exact spot in the episode…

It’s episode 270 of this podcast, which means it’s time for another solo episode where I talk about what’s on my mind. Today’s topic is money and 20 ways you can become a financially responsible adult. You don’t have to do all 20 to be responsible, but these tips can be helpful.  

I used to have a series on my blog called “Molly’s Money.” I’m not Dave Ramsey, but getting out of debt was a big part of my story. I know that when your personal finances are out of whack, it throws everything out of whack. 

In the past 10 to 14 years, I’ve learned a lot along the way. Where I am now in my financial journey is totally different from years ago. I’m married to a financial advisor, who has taught me a lot. 

One of the most common reasons marriages end is over finances. My hope and encouragement is that I can impart some wisdom and share some things I’ve learned along the way. 

In no particular order, let’s jump into the tips:

6:48 – Live within your means

  • Live on less than you make. Don’t max out credit cards. Have extra money at the end of the month. 
  • We live in a culture that is constantly creating this desire to spend and buy. 

8:54 – Know how to budget

  • It’s surprising how many people don’t have a monthly budget. I didn’t do this well early on in my debt-free journey. 
  • To this day, my husband and I have a shared monthly budget.

11:12 – Save for emergencies

  • You need to have 3 to 6 months of expenses set aside for an emergency.
  • Your heat pump goes out, you break a leg – no matter what it is, you need this money.
  • My husband and I decided to increase our emergency fund since we live on the farm now.

14:01 – Save for the future

  • The future is unpredictable, so you need to save for the future. 
  • Maybe it’s a Roth IRA or 401k. If you are young, just imagine how much money you could save.

15:08 – Pay your bills on time

  • Pay them on time – all of them! I’m speaking from experience.

15:35 – Check your credit report

  • Check this yearly. Make sure there’s nothing wonky on there.
  • You may be a victim of identity theft, and you might not know.

19:14 – Learn how to shop for insurance

  • Health insurance and auto insurances are not the only ones you need. You also need life insurance. 
  • Life is fleeting. You need to protect your family.

21:33 – Control your spending habits

  • Are you an impulse buyer? What’s your spending style? 
  • Find out what your style is and how to control it.

22:28 – Get debt under control

  • If you’re in debt, try to tackle it and get out.
  • It’s going to be hard, but you can do it.

25:11 – Give, give, give

  • I was in debt, but I felt called to start tithing to my church. 
  • My mindset changed when I began to think of money as a gift and I was to be a good steward.

28:44 – Start buying smart

  • You need to be shopping around and know what you’re paying for.
  • Don’t buy a new car. Buy a barely used one for a better price.

30:04 – Get a job

  • Get a job, any job. This is the best time in history to get a job.
  • At one point in my debt-free journey, I was working four jobs.

33:07 – Know about your job’s benefits

  • Does your job offer any benefits? Talk with your boss and see what you can negotiate if they don’t offer what you want.

34:23 – Learn to read fine print

  • If you’re signing your name, you better be sure you’re reading the fine print. 

35:06 – Learn about your taxes

  • Taxes aren’t fun. Nobody likes them. But know the difference between feeral, satte and local.
  • Know how much is being withheld from your paycheck.

36:52 – Know what you need to do to buy a house

  • What do you need to do to qualify to buy a house? 
  • What is PMI? What does your real estate market look like?

38:33 – Know what is needed to qualify for a mortgage

  • Learn about escrow, PMI and other things you need to know about mortgages.

39:02 – Learn about everyday financial services

  • What fees are you paying for things?
  • Know the ins and out of your accounts.

40:26 – Don’t borrow money from family or friends

  • It gets awkward and creates tension. 
  • There are exceptions to this, but in general, don’t do this. 

42:05 – Be an eager student

  • Be a constant learner. There are a lot of things that have changed over the years with how we handle finances. 

FEATURED QUOTES

When you give, it shifts your entire mindset on money. 

I’m not Dave Ramsey, but getting out of debt was a big part of my story. I’m married to a financial advisor. 

When your personal finances are out of whack, it throws everything out of whack. You feel stressed. 

THANK YOU TO OUR PARTNER OF THE SHOW:

MamaSuds helps label-reading moms create a safe and nontoxic home for their family by creating synthetic free household cleaners. And one of those cleaner is MamaSuds

Fine Linen Soap- which is the best thing since [Pumpkin] – Sliced -Bread 

Wash your high-quality sheets, linens, delicates, and organic fabrics with a Fine Linen Soap to keep them looking newer and softer longer. 

Use 3-4 capfuls for high-efficiency machines on delicate cycle, 4-6 capfuls for regular machines on delicate cycle. 

Head over to MamaSuds.com and use code MOLLY for 15% off your order!

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Our girl graduated fifth grade today and sang the National Anthem 🥹 And yes, I was a blubbery mess. I’m so grateful God saw fit for me to be her mama. We are so proud of the amazing young woman she’s becoming. #lillstillhomemovies

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Our girl graduated fifth grade today and sang the National Anthem 🥹 And yes, I was a blubbery mess. I’m so grateful God saw fit for me to be her mama. We are so proud of the amazing young woman she’s becoming. #lillstillhomemovies

🇺🇸 ❤️ remembering her and all those who gave their lives in service to their country.

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🇺🇸 ❤️ remembering her and all those who gave their lives in service to their country.

Spam texts are like a box of chocolates… I just start replying with Forrest Gump quotes ‘til they leave me alone. #spamtexts #lifeislikeaboxofchocolates

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Spam texts are like a box of chocolates… I just start replying with Forrest Gump quotes ‘til they leave me alone. #spamtexts #lifeislikeaboxofchocolates

He is risen indeed! ✝️

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He is risen indeed! ✝️

It’s wild out here in these pollen streets. #thepollening 🤧

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It’s wild out here in these pollen streets. #thepollening 🤧

🎊 ONE WHOLE YEAR 🎉

My debut memoir, “If I Don’t Laugh, I’ll Cry” has been out in the world for one whole year today. Writing this book was hard and holy work, and it’s been such a joy to see how many of you have laughed, cried, and laughed till you cried.

Thank you for the support of this book. ❤️

If you’ve read it, would you do me a *huge* favor and leave a review on Amazon and Goodreads? And would you share the book with a friend or on social media? It would mean the world to me.

And if you haven’t picked up a copy or downloaded the audiobook yet, what are you waiting for? 😉

#ifidontlaughillcry #iidlic #nelsonbooks

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🎊 ONE WHOLE YEAR 🎉 

My debut memoir, “If I Don’t Laugh, I’ll Cry” has been out in the world for one whole year today. Writing this book was hard and holy work, and it’s been such a joy to see how many of you have laughed, cried, and laughed till you cried. 

Thank you for the support of this book. ❤️

If you’ve read it, would you do me a *huge* favor and leave a review on Amazon and Goodreads? And would you share the book with a friend or on social media? It would mean the world to me. 

And if you haven’t picked up a copy or downloaded the audiobook yet, what are you waiting for? 😉 

#ifidontlaughillcry #iidlic #nelsonbooks

Nine is fine! Happy birthday to the sweetest, kindest, funniest, smartest, best basketball playing boy we know! We love you, buddy roe!

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Nine is fine! Happy birthday to the sweetest, kindest, funniest, smartest, best basketball playing boy we know! We love you, buddy roe!

13 years of being married to the best man I know. Life with you is more than I ever could have dreamed. I love you, J. 🤍 #happyanniversary

📷 @katelynjames

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13 years of being married to the best man I know. Life with you is more than I ever could have dreamed. I love you, J. 🤍 #happyanniversary 

📷 @katelynjames

And the people of God said… AMEN!

#leviticus #allfatisthelords #biblerecap #biblehumor

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And the people of God said… AMEN! 

#leviticus #allfatisthelords #biblerecap #biblehumor

I often wonder if he’d be a red head like Amos or if he’d be musically gifted like Lilly.

Would he love snuggling or be a boy who only wanted hugs on his terms?

Would his eyes be brown like his dad’s or would he be covered in freckles?

What would his laugh sound like? Who would be his best friend? What would his favorite book be? Would he say Gen Alpha slang words like sigma and skibidi or would he love his mom too much to do that?

Would I be mommy or mama or mom to him?

So many questions I won’t get to answers to on this side of heaven. But I think about him today, just like every day, and I hope he’s getting a slice of strawberry cake for his heavenly birthday.

7 years. 🤍 #elijahtimothy

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I often wonder if he’d be a red head like Amos or if he’d be musically gifted like Lilly. 

Would he love snuggling or be a boy who only wanted hugs on his terms? 

Would his eyes be brown like his dad’s or would he be covered in freckles?

What would his laugh sound like? Who would be his best friend? What would his favorite book be? Would he say Gen Alpha slang words like sigma and skibidi or would he love his mom too much to do that? 

Would I be mommy or mama or mom to him?

So many questions I won’t get to answers to on this side of heaven. But I think about him today, just like every day, and I hope he’s getting a slice of strawberry cake for his heavenly birthday. 

7 years. 🤍 #elijahtimothy
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