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Has anyone else noticed how expensive summer travel is this year? With gas prices hitting digits we haven’t seen before, along with fuel prices driving up the cost of airfare, travel this summer is pricey. So now is a great time to chat about how to save money on summer travel, like tracking flight prices and tapping into your points and miles stash you’ve been hoarding over the last few years. Yeah, I’m looking at you!  This episode is made possible with the support of She Podcasts. She Podcasts LIVE is a four-day podcasting event happening in Washington, D.C., October 11-14th, that will teach you everything you need to know about podcasting – from refining your skills to growing your audience. Register now and get $50 off your 2022 ticket. Purchase your ticket today at shepodcastslive.com.  If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Join my newsletter and get first dibs on my travel and personal finance books. Read My Books:  Affording Travel Traveling With a Full-Time Job Managing Your Money As A New Homeowner  Follow on Twitter: @thethoughtcard Follow on Instagram: @thedanielledesir Link to episode: https://podcast.thoughtcard.com/save-money-on-summer-travel/
How do you find and research hotels? I want to know, after this episode, reply to this tweet and let’s chat about it. Do you get recommendations from TikTok or Instagram? Do you start with a Google search? Or maybe you use online travel agencies (OTAs), aggregators, or meta-search engines? In this episode, I share my process for finding and researching hotels using Tripadvisor hotel reviews.  This episode is made possible with the support of She Podcasts. She Podcasts LIVE is a four-day podcasting event happening in Washington, D.C., October 11-14th, that will teach you everything you need to know about podcasting – from refining your skills to growing your audience. Register now and get $50 off your 2022 ticket. Purchase your ticket today at shepodcastslive.com.  If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Join my newsletter and get first dibs on my travel and personal finance books.  Follow on Twitter: @thethoughtcard Follow on Instagram: @thedanielledesir Link to episode: https://podcast.thoughtcard.com/tripadvisor-hotel-reviews/ 
Are you ready to buy a house? I’ve teamed up with Citizens Bank for a two-part homeownership series. In Episode 103, we discussed the pros and cons of the most common types of mortgages and how your mortgage can have long-term effects on your finances. In this episode, I unpack why having multiple bank accounts as a homeowner is crucial for better money management and the three bank accounts I recommend. Disclaimer: This episode is part of a paid partnership between Citizens and The Thought Card Podcast. Any views expressed are not necessarily those of Citizens, and any other products mentioned are not endorsed or sponsored by Citizens. Mortgages are offered and originated by Citizens Bank NA NMLSID #433960. All accounts, loans, and services are subject to individual approval. Equal housing lender.  In this episode, we cover: [2:34] Benefits of having multiple bank accounts as homeowners [5:56] What is a mortgage fund?  [9:41] What is a home emergency fund or home maintenance fund? Types of home maintenance repairs [8:04] What is a home renovation fund? [10:47] How we plan for home renovations   About Citizen Bank  Check out Citizens Ready to Buy a Home Hub, where you can access helpful articles and checklists, explore mortgage options and learn strategies for funding home repairs or home improvement projects. Such as 21 Unexpected or Hidden Costs of Buying a Home which details the common expenses homeowners forget about.  Citizens Ready to Buy a Home Hub also has informative videos that highlight mortgage myths and what comes next in the process after you’ve been pre-approved for a mortgage.  To ease your homeownership experience, Citizens offers resources and tools to help you feel more confident from application to move-in and beyond. Citizens has a 4.96 rating on Zillow and over 2,000 reviews you can browse through.  If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here.
Are you ready to buy a house? June is National Homeownership Month, and to celebrate, I’ve teamed up with Citizens Bank for a two-part homeownership series where I’ll share parts of my homeownership story, and we’ll dive deeper into the most common types of mortgages.  Since there are many different types of mortgages that suit different borrowers, in this episode, we’re covering the most common, including: [3:45] Fixed-rate mortgage  [4:18] Adjustable mortgage [5:40] FHA mortgage  [8:34] Conventional mortgage [9:33] Jumbo mortgage    About Citizens Bank  For more information, check out the Citizens Ready to Buy a Home Hub, which includes an easy-to-follow application guide to help you understand the ins and outs of the home buying process.    Resources Mentioned  Common Mortgage Terms To Know by Citizens  Mortgage Myths Debunked by Citizens  Managing Your Money As A New Homeowner (eBook):  Start your homeownership journey on the right foot. Learn simple ways to organize and optimize your finances so you avoid costly financial mistakes.   If you enjoy this show, please consider leaving me a (virtual) tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Disclaimer: This podcast is part of a paid partnership between Citizens and The Thought Card Podcast. Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All accounts, loans, and services are subject to individual approval. Equal Housing Lender. Member FDIC.
What is your travel style? Travel isn’t one-size-fits-all, and there isn’t one way to see the world, only what works for you. When I started traveling after landing my first job after graduate school, my funds were limited. As a result, I had to be creative and I eventually discovered my travel style which helped me align my spending with the items and experiences that mattered most. In this episode, learn how to define your travel style and how it impacts your finances. This episode is sponsored by Knack Bags, a slim and lightweight backpack for everyday use but also expands when you need it. Knack Bags are functional, accessible, and stylish. I love that it packs like a suitcase (opening horizontally) so you don't have to dig for items in the dark. Get a Knack bag and use the code 'TTCKNACK' to get a free TSA-approved lock with purchase; add the TSA lock to your cart with your Knack bag, enter the code and get it for free. If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Link to episode: https://podcast.thoughtcard.com/travel-style/ 
Before the pandemic, travel meant hopping on a plane and filling my passport with stamps. However, that all changed in 2020. Our borders were closed, and we did not feel comfortable traveling by plane, train, or bus anymore. So, as an alternative, we started exploring smaller cities and towns a few hours from home. Since then, we have become road trip warriors. As the weather gets warmer, you may be planning a road trip of your own, so now is a great time to chat about what to pack for road trips.  This episode is sponsored by Knack Bags, a slim and lightweight backpack for everyday use but also expands when you need it. Knack Bags are functional, accessible, and stylish. I love that it packs like a suitcase (opening horizontally) so you don't have to dig for items in the dark. Get a Knack bag and use the code 'TTCKNACK' to get a free TSA-approved lock with purchase; add the TSA lock to your cart with your Knack bag, enter the code and get it for free. If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Link to episode: https://podcast.thoughtcard.com/what-to-pack-for-road-trips/
In Episode 83, I announced I was quitting my full-time job to pursue entrepreneurship. Since then, I have learned some important lessons about running a business. As I celebrate publishing the 100th episode of The Thought Card Podcast (yay!), I’m introducing a new series called “Taking the Leap,” where I share the behind-the-scenes of what it’s like being a new entrepreneur. Please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. This episode explores the importance of creating passive income and why I’ve decided to scale down from 17 income streams. If you’re curious to learn more about my income streams, please share this episode with a friend. Once this episode reaches 1,000 downloads, I’ll record an in-depth video of how I make money as a creator. 
While some of you may have never purchased a stock before, I’ll admit that I have purchased a stock without doing any research. I now know the importance of doing your research. In this episode, we’re chatting about reliable tools to research stocks. Also, stay to the end, where I share a shortlist of my favorite financial educators in the investing space.   This episode is sponsored by Motley Fool Stock Advisor, a subscription service where members get (2) new stock picks sent directly to their inbox every month. Motley Fool has provided trusted investment recommendations for over 28 years, beating the market by almost 5x. Learn more by visiting www.fool.com/TTC. If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Also, please take a moment to share what you’d like for us to cover next on the show. Request a podcast episode here. Link to episode: https://podcast.thoughtcard.com/stock-research-tools/ 
Do you have the funds to start investing in the stock market, but you’re unsure how to pick good companies to invest in (or even put on your radar)? Well, financially savvy travelers and financially savvy investors, you’re in the right place. With thousands of publicly-traded companies in the stock market, coming up with criteria you can use to analyze companies will help you beat overwhelm, strengthen your investing knowledge and boost your overall confidence. To help you with this, in this episode, we’re chatting about things to look for when picking companies to invest in. While we'll cover three criteria, there are many others, so do your research.  This episode is sponsored by Motley Fool Stock Advisor, a subscription service where members get (2) new stock picks sent directly to their inbox every month. Motley Fool has provided trusted investment recommendations for over 28 years, beating the market by almost 5x. Learn more by visiting www.fool.com/TTC. If you enjoy this show, please consider leaving me a tip by buying me a coffee. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Please also share this episode with a friend and leave a review on Apple Podcasts or Spotify. Link to episode: https://podcast.thoughtcard.com/good-companies-to-invest-in/ 
Before investing in the stock market, it’s important to determine your investing goals and match them with the appropriate investing style. In this episode we chat about determing your investment preferences, whether you are a short-term or long-term investor.  This episode is part of a four-part investing series sponsored by Motley Fool Stock Advisor. If you missed the first episode, I encourage you to go back and listen to Episode 96 where I share ways investing in the stock market can improve your financial outlook.   About Our Sponsor: Motley Fool Stock Advisor Motley Fool Stock Advisor is a subscription service where members get (2) new stock picks sent directly to their inbox every month.  Visit www.fool.com/TTC to discover ideas for picking your next stock.  For all business inquiries and sponsorships, email: thethoughtcard@gmail.com.  Link to episode and show notes: https://podcast.thoughtcard.com/short-term-long-term-investor/
This episode kicks off a 4-part investing series sponsored by Motley Fool. Throughout this series, we’re going to talk about how investing can positively impact your financial situation, how to determine if you’re a long-term or short-term investor, tips for picking the right companies, and tools and resources you can use to research stock picks.  Whether you want to earn more money, get out of debt, save for a vacation, or build generational wealth, investing in the stock market can improve your financial outlook and in this episode we explore how.    About Our Sponsor: Motley Fool Stock Advisor Motley Fool Stock Advisor is a subscription service where members get (2) new stock picks sent directly to their inbox every month.  Visit www.fool.com/TTC to discover ideas for picking your next stock.  For all business inquiries and sponsorships, email: thethoughtcard@gmail.com.  Link to episode and show notes: https://podcast.thoughtcard.com/investing-in-the-stock-market/
I have big news to share. We are expecting our first child! Over the last few months, so much has been going on. Not only have I been adjusting to life as an expecting mother, but also life as a new entrepreneur (I quit my corporate job September 2021). In this episode, I share my maternity leave checklist as well as helpful maternity leave planning tips for entrepreneurs.  Check out our baby registery on Amazon here. If you decide to purchase an item, thank you in advance. We really appreciate all the love, gifts and support!  Have a topic you’d like to see shared on the podcast, email: thethoughtcard@gmail.com.  For all business inquiries and sponsorships, email: thethoughtcard@gmail.com.  Link to episode: https://podcast.thoughtcard.com/maternity-leave-checklist/
Since I started travel hacking around 2015, I’ve traveled all across the world either cheaply or for free. However, I have a confession to make. I’ve made my fair share of credit card mistakes. Listen to this episode to hear about all the embarrassing travel hacking mistakes I’ve made over the years as well as how to avoid them. On January 22, 2022, join the live workshop (or catch the on-demand replay) Intro To Travel Hacking: Earning Points & Miles Workshop — learn how to earn more points and miles beyond those lucrative credit card sign-up including how to pick the right credit card for your travel goals and lifestyle, determine if the annual fees are worth it, get tips for organizing your points and miles portfolio, and more. If you enjoy this show and like my work, you can Buy Me A Coffee. Your support will not only keep me going but will help cover the cost of getting new equipment and editing. With your support, I look forward to continuing to bring you informative personal finance and travel content every other week.  Please also share this episode with a friend and leave a review on Apple Podcasts.  Link to episode: https://podcast.thoughtcard.com/travel-hacking-mistakes/
Are you unable to travel right now? Perhaps it's a busy season at work, you are taking care of a loved one, or travel restrictions got you grounded for the foreseeable future. While that's a bummer -- it doesn't mean that you have to abandon your travel dreams completely. In fact, now is a great time to build your travel hacking expertise and beef up your points and miles portfolio. In this episode, we discuss ways to earn points and miles without traveling including lucrative credit card welcome bonuses, anniversary bonuses, and more.  Get access to Intro To Travel Hacking: Earning Points and Miles Workshop here -- learn how to earn more points and miles beyond those lucrative credit card sign-ups including how to pick the right credit card for your travel goals and lifestyle, determine if the annual fees are worth it, get tips for organizing your portfolio, and more! Want to support The Thought Card Podcast? You can now support the show by buying me a coffee – this ensures that we can continue to create personal finance and travel content you love. Also, consider leaving a rating and/or a review on Apple Podcasts sharing your honest feedback. Link to episode: https://podcast.thoughtcard.com/earn-points-and-miles-without-traveling/
As we head into the new year, I wanted to share a conversation I had with Sasha Huff, a podcast producer and the host of Because I Can, a podcast about life and all of the lessons we learned along the way. I'm usually the one asking the questions on the show, but I'll admit that it's nice to be on the other side sharing my story, thoughts, and perspectives. In this episode we chat about ways I've organized my finances so I can tackle multiple financial goals like traveling and paying off my mortgage early. You'll also hear a bit about my money story and what money was like growing up. Want to support The Thought Card Podcast?  Consider leaving a rating and/or a review on Apple Podcasts sharing your honest feedback. We are quickly approaching 100 reviews!  You can also support the show by making a one-time donation via buy me a coffee.  Link to episode: https://podcast.thoughtcard.com/organize-your-finances-with-danielle-desir/ 
Located in the heart of Metropolitan Phoenix, Tempe, Arizona, is a college town with a personality all its own. With 330 days of sunshine each year and the average temperature around 87 degrees, Tempe is a fun, refreshingly offbeat destination that embraces an active lifestyle and laid-back atmosphere. It’s also a place where community matters. Splash around on a lake, explore miles of hiking and biking trails, chow down on delicious eats and not-so-typical treats, cheer on your favorite sports team or grab a cold at one of the many craft breweries. But what you may not have realized is that Tempe has a vibrant art and cultural scene.  From performing arts to contemporary art, and even the natural beauty of the Sonoran Desert, in this episode, we discover where to experience art in Tempe through three remarkable Arizona attractions - the Desert Botanical Garden, ASU Gammage, and ASU Art Museum.  Want to support The Thought Card Podcast?  Consider leaving a rating and/or a review on Apple Podcasts sharing your honest feedback. What do you enjoy about the show? What would you like to see more of?  You can also support the show by buying me a coffee.  Link to episode: https://podcast.thoughtcard.com/art-in-tempe-arizona/ 
Gemma Thompson hosts A Girl's Guide To Travelling Alone, a top travel podcast dedicated to solo female travelers. Growing up in Durham, in the North-East of England, Gemma did not have a lot of experience traveling before booking her first solo backpacking trip. In 2002, she quit her job, gave up her apartment, and left her boyfriend to travel independently. She went on to spend three months backpacking across South East Asia and Australia.  In this episode, Gemma Thompson shares how to plan your first solo backpacking trip and the most important lessons learned. She also shares tips for female solo travelers, first-time female solo travel destinations, and how her travel style has changed now that she's expanded her family. In the extended interview, Gemma shares some of her favorite day trips from London. Get access to our archive of bonus podcast episodes by joining The Thought Card Club, a private podcast feed for supporters.  Want to support The Thought Card Podcast?  Consider leaving a rating and/or a review on Apple Podcasts sharing your honest feedback. You can also support the show by buying me a coffee.  Link to episode: https://podcast.thoughtcard.com/solo-backpacking-trip-gemma-thompson/ 
During a recent trip to Boston, Massachusetts, I discovered one of Boston's best-kept secrets, a rooftop bar with stunning views of the Boston skyline. In this episode, I recap my experience staying at DoubleTree Suites by Hilton Hotel Boston - Cambridge and visiting Over the Charles Rooftop Bar for the first time. I also sat down with Jack's Abby Craft Lagers to learn more about their family-owned craft brewery specializing in craft lagers. This podcast is a labor of love and I appreciate the support from all our listeners. If you’d like to support The Thought Card Podcast, please consider leaving a rating and/or a review on Apple Podcasts sharing your honest feedback. You can also support the show by buying me a coffee, or purchasing one of my books like Affording Travel or Traveling With A Full-Time Job.  For the full show notes: https://podcast.thoughtcard.com/over-the-charles-rooftop-bar/
Dtravel is a community-governed home-sharing platform where you can find and book accommodations. Compared to other home-sharing platforms, guests can expect lower fees, and hosts pay zero percent fees. Dtravel accepts a wide variety of payment options, including cryptocurrency.  In this episode, learn what makes Dtravel unique and how to get involved as either a guest or host. This podcast is a labor of love, and we appreciate the support of all our listeners.  If you’d like to support The Thought Card Podcast, please consider leaving a rating and a review on Apple Podcasts sharing your honest feedback. You can also support the show by buying me a coffee (making a one-time donation). Thanks again!  Link to episode: https://podcast.thoughtcard.com/dtravel-home-sharing/ 
Vicky Sosa is a Florida-based blogger traveling around the world with her stuffed monkey Buddy. Stationed in Europe for three years with the Army, Vicky visited many countries including Spain, England, Norway, and Luxembourg. Years later, tired of the 9-5 lifestyle, she then sold all of her stuff and started traveling full-time through house sitting.  In this episode, Vicky Sosa shares how being in the army made her a better traveler and prepared her for a location-independent lifestyle.  In the extended interview Vicky shares how best to prepare for pitching brands and how to land press trips with tourism boards and hotels. Get access to our archive of bonus podcast episodes by joining The Thought Card Club, a private podcast feed for supporters.  This episode of The Thought Card Podcast is sponsored by Out Travel The System By Expedia, a travel podcast that features tips and tricks for making the most of your travel experiences. Follow today on Apple Podcasts or wherever you listen to podcasts. Want to support The Thought Card Podcast?  Consider leaving a rating and/or a review on Apple Podcasts sharing your honest feedback. You can also support the show by buying me a coffee (make a one-time donation).  Link to episode: https://podcast.thoughtcard.com/army-vicky-sosa-better-traveler/ 
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