get a tax refund this year, cash with a tax refund check

Don’t Get a Tax Refund Next Year (Video)

Are you living paycheck-to-paycheck but receive several thousands of dollars for your tax refund? Talk to your CPA or tax professional about adjusting your withholdings on your paycheck so that your refund is as small as possible (without owing!).   If you normally get a $3,600 refund, that’s $300 of monthly cash flow that could be used to pay off …

A Budget is NOT Like a Crash Diet (Video)

Many people view budgeting like a crash diet of salad and water. In reality, it’s more like a healthy eating plan with room for portion controlled fun!  When you budget, you’re essentially deciding in advance how you are going to spend your money.  If you hate the word “budget” call it your Spending Plan.   You should make sure that you …

Reason You're Not Rich, Christine Luken, Financial Lifeguard

The Number 1 Reason You’re Not Rich (Podcast)

Today’s episode is “The Number 1 Reason You’re Not Rich.”  Now I know what some of you are thinking.  “Being rich would be nice, but I’m just trying to get financially healthy.”  Stay tuned because what you will hear today, if you apply it, will improve your financial condition whatever it may currently be. As I’ve discussed in previous podcasts …

Holidays Ruin Your Budget, Christine Luken, Financial Lifeguard

Don’t Let the Holidays Ruin Your Budget (Podcast)

Today’s episode is “Don’t Let the Holidays Ruin Your Budget!” Thanksgiving and Christmas are right around the corner…. With extra expenses for entertaining, decorating, and gift giving, sometimes the holidays aren’t so happy for our budgets! In this episode, I’ll give you tips for setting your holiday gift giving budget, and talk about ways to minimize your holiday decorating and …

okay to splurge, christine luken, financial lifeguard

When Is It Okay to Splurge? (Podcast)

Today’s episode answers the question: “When Is It Okay to Splurge?” Sometimes we get so entrenched in the mindset of paying down debt and saving money that we struggle with figuring out when it’s okay to loosen up a little and ENJOY some of our money. There is definitely a right way and wrong way to splurge. When Is It …

The Battle for Your Money Begins in the Mind (Podcast)

Today’s episode is “The Battle for Your Money Begins in the Mind.” We’re going to explore how the way you think about money influences your financial behavior and your ultimate success with money. I’ll share some surprising facts about how your brain processes information, including how to identify destructive thoughts and replace them with productive ones. • You’ve heard me …

Money is Emotional (Podcast)

In today’s episode, “Money is Emotional,” I’m going to tell you the story of my clients – Doug & Joanne Smith – and their emotional journey from anxiety and embarrassment to confidence and hope. Money is certainly emotional and I have to address that when I’m working with my coaching clients. My goal is to help people work through those …

Are You Possessed by Your Possessions? (Podcast)

In today’s episode, “Are You Possessed by Your Possessions?” we’ll explore the following questions: Am I surrounded by things that bring me joy? Or am I buried in a mess of clutter that stresses me out? When is enough “enough”? Many people are living in cluttered homes, have garages they can’t even park a car in, and rent storage spaces …