In this replay, we meet Tonya from Budget and the Beach. Tonya is a freelancing video editor who recently lost a very large client, and she talks about how she is working through this challenging time while staying positive.

This episode originally appeared at http://financially-blonde.com/no-work-no-problems

23-year old Claire, a listener who is now a team member at the Financial Gym, wanted to know more about investing for millennials.

This episode first aired on January 15, 2015 at http://financially-blonde.com/investing-for-millennials

My friends and I discuss our spending and saving challenges and what we are doing to flex our fiscal muscles.

Mrs. Frugalwoods still struggles with impulse spending. She’s hosting an ongoing Uber Frugal Month Challenge with over 9,900 participants to give her, and you, the tools needed to combat impulse spending.

Melanie will be challenging herself with a no-spend day.

Shannon suggests a “clear the pantry” challenge where you have to use whatever is in your fridge and freezer to create meals.

Tonya says she is not good at challenges in general and relies on self-discipline to achieve her goals. She took a quiz by Gretchen Ruben to help her understand her personality and why she responds to expectations the way she does.

Find new ways to challenge yourself to do and achieve more financially! Focus on mindset more than anything else if you want to make a serious change.

You can find links to the Uber Frugal Month Challenge, the compound savings calculator, and Gretchen Ruben’s quiz in the show notes at http://financially-blonde.com/mmpodcast

Holly and Greg paid off their debts by budgeting their money.

They discuss how a zero-sum budget helped them achieve their dreams, helped them quit their 9-5 jobs to pursue entrepreneurship, and how budgeting can work for you too!

For more about budgeting or Holly and Greg’s book, visit http://financially-blonde.com/mmpodcast

New York Times bestselling author, Dr Daniel Crosby, joins me to discuss the problems we have as human beings to leave our investments well enough alone!

Investor behavior is the #1 reason portfolios don't grow - and that's because we let our emotions drive our decisions rather than tried-and-true financial planning principles.

Dr. Daniel Crosby has been studying investor behavior for years and offers sound solutions to help us follow the laws of wealth based on the 10 Commandments of Investor Behavior written in his book, The Laws of Wealth: Psychology and the secret to investing success.

For a link to get his book on Amazon, visit http://financially-blonde.com/mmpodcast

If you are like me, you would pay anything to not have to do taxes yourself.

Eric Nisall, an accountant and founder of AccountLancer, explains how you don’t always have to pay for a service when you can do it yourself.

If you do pay for a service, he gives tips on how to make sure you are getting your money’s worth – especially where your income taxes are concerned.

A complete checklist of things discussed today can be found in the show notes at http://financially-blonde.com/mmpodcast