It’s back! It only happens twice a year - our 21-Day Challenge is starting on 1/21/2021. We are super excited to kick off this challenge which is designed to help you move your money forward in a bigger, better way than you ever have before. In this episode you will learn... What the 21-Day Challenge is and how you can sign up Who the 21-Day Challenge is designed to help Who should not participate in this challenge To participate in the 21-Day Challenge, join our free Facebook community -...

It’s one of our favorite times of the month! It is time for the December FC Beat. That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world. And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments. You’ve got to tune in for this one!   Resources: New Year, New Money...

Famous financial gurus are known for their popular, one-size-fits all approaches to money. Here at Fiscal Fitness, we know from working first hand with hundreds of clients that no formula works for every single client. In this episode you'll hear why Coach Jaclyn herself chose to abandon one of the popular approaches out there when working on paying off her non-mortgage debt. In this episode you will learn... Why the one-size-fits-all approach wasn’t working for me - what I liked and what I...

Many clients tell us that setting goals isn’t something they have ever done. That it feels really unnatural for them and isn’t something they feel comfortable with. We have definitely found that goal setting is a skill that must be learned and the better you get at setting your goals, the better you get at achieving them time and time again! Unfortunately, goal setting fails for so many people. Here are a few things we see or hear from clients when it comes to goal setting: They say it feels...

So long 2020 and good riddance!  This episode is a rerelease of episode 48 from 2019 but it is so great that we want to share it with you again.  Research shows that resolutions are largely ineffective for making positive, sustainable change. Twenty-five percent of people break resolutions within one week and sixty-five percent break them within weeks. Selecting a word of the year can help us to embrace a larger vision that feels expansive and possible. A single word is easier to remember...

This episode was originally published in December of 2019 as episode 74.  It was so impactful and popular that we wanted to put it back on your radar.  You may be excited to set new year’s resolutions and goals with your finances this time of year, but if you’re not careful, you could be getting ahead of yourself. Don’t set yourself up for failure, check out our New Year New Money Checklist FIRST. It will help you lay a really solid foundation from which to build from! Get ready to make your...

It’s one of our favorite times of the month! It is time for the November FC Beat. That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world. And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments. You’ve got to tune in for this one!

This is a replay of one of our most popular episodes, episode 23: Holiday Traditions and Gift Giving Ideas that will Not Break the Bank. You can check out the amazing companion holiday shopping and traditions blog post here. 

This time of year, tends to be one of the most EXPENSIVE times of year for a lot of people. It is when there are a ton of festivities happening all within a relatively short period of time and we often can get swept away with the fun, the tradition, the expectations of family or friends and ALSO tempted by all of the sales and amazing marketing that is about to be around every turn.  We want YOU all to be prepared for it. Not only financially, but also from an emotional place, so you don't...

"I think a lot of people, when they meet a financial professional, assume that they’re someone who is just naturally good at money, that they have some sort of formal financial training or degree in finance, or that they’ve always made good decisions with their money. And that’s just not true. I became a financial coach because of how financially stressed I used to be and the transformation I experienced from working with a financial coach myself" Jaclyn Wise, Financial Coach at Fiscal...

Does it seem like learning to manage your money is just plain impossible? Do you keep trying to become better with your money, but then you find yourself giving up? In this episode, we dive in to the 4 stages of learning with money. We provide key characteristics of each one so you can easily identify where on the journey of growth you are. We also give you specific steps to take to keep you moving along the 4 stages.   In this episode, Kelsa will help you understand and implement: The 4...

In this episode Coach Jill walks you through how to assess whether a home project is worth the investment and if you decide to move forward, what are some of your options for deciding how to pay for the project. There are so many options out there - from paying cash to credit to HELOC’s to loans. Let’s talk about what option makes the most sense for YOU when deciding to move forward with a home improvement or renovation project.     Questions answered in this episode: How do you determine...

Most of the time a brand new client finds Fiscal Fitness, they find us by searching for a “financial advisor.” And most people don’t know what a financial coach even is. In this episode, Coach Jaclyn breaks down the differences between financial coaches and advisors, and help you decide which one you need on your money power team today.

It’s one of our favorite times of the month! It is time for the FC Beat. That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world. And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments. You’ve got to tune in for this one!

Why is it that we want to shout from the rooftops when we hire a personal trainer to help us get in the best shape of our lives, but we want to keep it a secret when we want to hire a financial coach to help us get in the best financial shape of our lives? Coach Jill dives into the thoughts we have about money that are actually holding us back from becoming skilled in this incredibly important area of life.  Have you ever thought “How are they doing that?” when you see friends going on...

The simplest description of the Diderot Effect is this: “The introduction of a new possession into a consumer’s existence will often result in a process of spiraling consumption.”    What does this mean? You buy a new car and now you need a new tint job, new rims, a new phone charging cable, new sunshades, etc. That one purchase has resulted in a multitude of purchases that before the initial purchase, were not even on your radar.    The Diderot Effect is a VERY common spending phenomenon...

Did you know that the average American household spends over $200/month on their cable bill? For most of us, that makes cable our most expensive utility. Learn how to save money with streaming by cutting the cable cord in this episode.   Notes from episode: Guest expert (and Jaclyn’s husband) John Wise shares different options for cutting the cable cord that can save you more money than you might have thought possible. Cutting the cable cord does not have to mean that you lose access to...

Money is a LIFELONG journey. No matter where you are starting, there will always be something “Next” on the list. When we think about our financial lives, it’s as if we are climbing a mountain. We are always looking up and we can see the next step towards the goal we are working towards, but it’s like the top of the mountain is covered in clouds. Every time we think we must be JUST about to reach the peak, we get through the clouds and discover there is still so much more to go.  There will...

Adoption can be one of the most loving and selfless things someone can do. It's fair to say that the foster care system for each state is extremely underfunded and overfilled with children that need loving homes. Michael and Kelsa made the decision to adopt through the Arizona foster care system almost three years ago and were lucky enough to adopt their son, Alex, on June 14th of 2019. Many people have asked them about the process as well as the financials for adopting Alex. While each state...

It’s one of our favorite times of the month! It is time for the FC Beat. That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world. And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments. You’ve got to tune in for this one!

Meet our newest financial coach at Fiscal Fitness Phoenix, Jaclyn Wise!!! She wasn't always this awesome at budgeting though. It took some determination to look inside herself to be able to ask for help from a financial coach. And she hasn't looked back. Today, Jaclyn is sharing the top 5 money mistakes that she has made in the past and provides some strategies and action steps to help you avoid those same mistakes. Here are Jaclyn's top 5 money mistakes: Money Mistake #1: I blew through my...

What does it mean to be interested vs. invested and how is this showing up for you in your life? The energy behind these two words and the actions we take are entirely different and in this episode, Coach Jill dives into how being “interested” in something is showing up for you in life and how it is holding you back from creating the life you want. Notes from episode:  Think about something you have been “interested” in. What does this look like for you? What results are you getting in your...

It’s one of our favorite times of the month! It is time for the FC Beat. That’s the Financial Coaches Beat, in case you didn’t know, where Kelsa and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world. And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments. You’ve got to tune in for this one!

Meet our newest Financial Coach - Jaclyn Wise! As a former math teacher you might expect budgeting would come easily, but Jaclyn shares she was a mess when it came to budgeting and balancing her own checkbook. Once she started making “real” money, she thought her finance worries would be solved. She was wrong. Six years after graduating college, she found she was still living paycheck-to-paycheck and feeling extremely jealous whenever her friends posted pictures on Facebook of themselves...

Knowing your income and expenses are important. But just as important are numbers that show you the bigger picture of your financial situation and that’s where your Net Worth & Savings Rate come into play. Kelsa will walk you through how to calculate these, provide some insights as to why you might want to care about them, and even provide some tools for you to use! Notes from episode: Why your savings rate & Net Worth are important numbers to know How to calculate both of these...