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Your Personal Economy
Beverly Harzog
46 episodes
9 months ago
Are you ready for a vacation but your wallet is holding you back? In this episode, I show you how I scored free airfare to Grand Cayman and explain how credit card rewards programs work. If you’re new to free travel, I’ve got you! I also show you easy ways to accumulate a huge number of points or miles in a hurry.
Show more...
How To
Education,
Business,
Investing,
Self-Improvement
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All content for Your Personal Economy is the property of Beverly Harzog and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Are you ready for a vacation but your wallet is holding you back? In this episode, I show you how I scored free airfare to Grand Cayman and explain how credit card rewards programs work. If you’re new to free travel, I’ve got you! I also show you easy ways to accumulate a huge number of points or miles in a hurry.
Show more...
How To
Education,
Business,
Investing,
Self-Improvement
Episodes (20/46)
Your Personal Economy
How I Use Credit Card Points for Free Vacations
Are you ready for a vacation but your wallet is holding you back? In this episode, I show you how I scored free airfare to Grand Cayman and explain how credit card rewards programs work. If you’re new to free travel, I’ve got you! I also show you easy ways to accumulate a huge number of points or miles in a hurry.
Show more...
9 months ago
8 minutes

Your Personal Economy
Get the Lowest Interest Rates With This Credit Score
Think you need an 850 FICO score to get low rates on a mortgage or credit card? I have fabulous news for you! You don’t even need an 800 score. In this episode, I tell you the credit score you need to qualify for the lowest rates. And I share my “quick hits” list for boosting your score if you come up a little short.
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9 months ago
6 minutes

Your Personal Economy
New Rule Bans Medical Debt on Credit Reports
Are you one of the 49 million Americans who have medical debt listed on their credit reports? If so, there’s good news. In this episode, I explain how the new rule works and how it could improve your credit score.
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10 months ago
5 minutes

Your Personal Economy
Cheapest Way to Pay Off Credit Card Debt
Is your goal this year to get out of credit card debt? I want to help you take your financial life back! In this episode, I share how you can get out of debt while paying zero interest.
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10 months ago
10 minutes

Your Personal Economy
How to Financially Thrive in 2025
Ready to make progress on your finances? 2025 is going to be a good year to get ahead. But to be successful, there are five things I want you to pay attention to this year.
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10 months ago
12 minutes

Your Personal Economy
How to Build Credit From Scratch
Have you been getting frustrated trying to figure out how to build a credit score? You’re in good company. Credit not only isn’t intuitive, it’s downright weird! I clear up all the murky details and share three easy ways to build a credit score from the ground up.
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10 months ago
8 minutes

Your Personal Economy
Want Financial Freedom? This Is the Mindset You Need
Do you feel like you’ll never achieve financial freedom? I’ve got good news for you. Make one small change to your mindset and you’ll be amazed at the difference it makes. In this episode, I show you just how to do that. Plus, it’s easier than you think!
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11 months ago
8 minutes

Your Personal Economy
Beat Holiday Stress This Season!
Are you dealing with holiday stress? If so, you’ve got company. A recent survey shows that 89% of American are experiencing holiday stress. In this episode, I share tips on overcoming money worries, dealing with family conflict and solving the “not enough time” trap. You have the power to take back your holiday and create a Christmas that brings you joy instead of a headache.If you’re biggest worry is money, check out this episode on how to set a holiday budget that actually works: https://ww...
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11 months ago
13 minutes

Your Personal Economy
5 Financial Mistakes to Avoid In Your 20s
Are you getting paid what you’re worth? Being underpaid in your 20s is just one of the money mistakes that keep you from making the most of your income. In this episode, I show you how to avoid the top five mistakes so you’ll enter your 30s in great financial shape.
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11 months ago
10 minutes

Your Personal Economy
4 Tricks to Improve Your Credit Score
Need to increase your credit score fast? If you’re looking to get a new mortgage, refinance a car loan or apply for a new credit card, having a higher score means lower interest rates. Lower rate can save you hundreds or even thousands of dollars. In less than 10 minutes, I share four proven—and easy--ways to boost your credit score.
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11 months ago
8 minutes

Your Personal Economy
5 Things I Quit to Save Money
Are you tired of hearing the same advice about how to save more money? I’ve quit five out-of-the-ordinary things in my life that’s saved me several hundred dollars a month. I surprised even myself with a few things I quit!
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11 months ago
12 minutes

Your Personal Economy
How to Establish Business Credit with Credit Expert Gerri Detweiler
Building business credit is not as difficult as you think. My special guest, Gerri Detweiler, is the coauthor of Finance Your Own Business and an education consultant for Nav.com. Gerri has easy-to-follow advice for establishing business credit for the first time. If you’re a small business owner, independent contractor or freelancer, you want to check out this episode.
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12 months ago
22 minutes

Your Personal Economy
Best Credit Cards for Holiday Shopping
Looking for the best credit card for reducing holiday expenses? Here are my 5 picks for the Best Credit Cards for Holiday Shopping. These credit cards will help you stretch your Christmas budget, reduce the cost of feeding houseguests, cut travel costs and more. I’ve even got a credit card for those who are tired of thinking about which rewards credit card to use at which store. And just so you know, I don’t have affiliate relationships with credit card issuers, so these picks are based on my...
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1 year ago
11 minutes

Your Personal Economy
Have Yourself a Debt-Free Christmas
The key to avoiding debt? A Christmas budget done the right way. I show you how to avoid the biggest mistake people make with Christmas budgets, a cool app to organize your gift list and ways to get cash back on your holiday purchases.
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1 year ago
10 minutes

Your Personal Economy
Can You Retire On $1 Million?
How do you estimate the retirement fund you’ll need? I share a simple formula to help you determine if you’re on track for a comfortable retirement—and how to catch up if you think you’re behind.
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1 year ago
11 minutes

Your Personal Economy
Lifestyles of the Financially Independent
Financial freedom means you can pay your bills and have money left over for savings, investments and having fun. Financial independence is in another galaxy. It means you live off of your investments and passive income. Learn the five habits that will put you on the path to financial independence.
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1 year ago
21 minutes

Your Personal Economy
4 Ways to Treat Yourself On a Budget
You really can treat yourself without guilt! I share four easy ways to get (some) things you want without spending a lot of money.
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1 year ago
13 minutes

Your Personal Economy
Money Chat with Personal Finance Expert, Patrina Dixon
My special guest today is Patrina Dixon of It’s My Money. We cover it all: smart spending tips, practical ways to save money and how to get small business grants. If you’re ready for an energizing conversation filled with Patrina’s valuable advice, check out this episode!
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1 year ago
26 minutes

Your Personal Economy
What Happens If Interest Rates Go Down?
The Federal Reserve is meeting next week and it’s predicted that interest rates will go down. What does that mean for your wallet? In this episode, I cover how an interest rate decrease impacts mortgage rates, credit cards, CDs, HYSAs and student loans.
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1 year ago
11 minutes

Your Personal Economy
Is Zero-Based Budgeting Better Than 50/30/20?
If you’re trying to figure out which budgeting method to use, I’ve got answers for you. I go over the pros and cons of zero-based budgeting and 50/30/20. The best method for you depends on your debt, income, available time and other factors. Plus, I introduce another way to budget—60/20/20—that might be best for those in high cost-of-living areas or those with credit card debt.
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1 year ago
13 minutes

Your Personal Economy
Are you ready for a vacation but your wallet is holding you back? In this episode, I show you how I scored free airfare to Grand Cayman and explain how credit card rewards programs work. If you’re new to free travel, I’ve got you! I also show you easy ways to accumulate a huge number of points or miles in a hurry.