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Cashology by FNBO
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Cashology by FNBO

Author: FNBO

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Cashology is FNBO's online community for personal finance topics and questions. If you're looking to save more, budget effectively or make better money decisions, we're here to listen and provide guidance.
5 Episodes
Put on those holiday sweaters, festive socks, and have some hot chocolate by the fire, because today we're talking about holiday spending and saving.
Is it expensive to adopt or purchase a pet? Juli asks about all that’s involved with pets and mentions how quickly a home can be taken over by all the crazy accessories. We jump back on task with the expense discussion…tune in now. Some steps to building a budget before bringing home a pet 1. Think about if you want to adopt or purchase a pet and find out costs for each 2. Research food costs 3. What accessories would you like your pet to have 4. What are the medical costs for the first year? Subsequent Years? 5. How can you adjust your current lifestyle to save for an unexpected vet visit?
50/20/30 Budgeting

50/20/30 Budgeting


In this episode you will learn what the 50/20/30 rule is and why it is important to keep to these percentages. Following this rule helps you stick to your budget and reach your goals. It gets you mentally prepared for the month so you don’t have any surprises in your spending. Tune in now!
What is Mortgage Refinancing, and When is the Right Time? You’re throwing your money away! (Do we have your attention now?) Well, you could be–if you haven’t looked at refinancing your mortgage in a looooooong time. This episode will walk you through refinancing, and some things to consider or ask your lender when that time comes.
Let’s learn a little something about saving today, shall we?GUESTAdam Heng. TALKING POINTSWhat defines a financial emergency?Why is it important to have these funds set aside?Is there a ‘magic formula’ for what number is necessary?The ‘Extras’QUOTESDo not save what is left after spending, but spend what is left after saving –Warren BuffettHe who buys what he does not need, steals from himself –Swedish ProverbToo many people spend money they haven’t earned, to buy things they don’t want, to impress people that they don’t like. — Will RogersYou must gain control over your money or the lack of it will forever control you. — Dave RamseyIt’s amazing how fast later comes when you ‘buy now.’ –Milton BerleThank you for listening. Don’t forget to subscribe and keep an eye out for more Cashology® coming your way soon. SUBSCRIBE: Cashology on YouTube: Connect with FNBO:! Cashology Facebook Group: Facebook: Learn more:
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