The Financially Free Blog

Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Get Physically Fit (While Staying Financially Fit)

Do you want to work out without breaking the bank? The typical gym membership costs between $40-$70 per month but premium gyms and personal trainers can cost up to ten times that amount. Here are five ways to get physically fit without compromising on your financial fitness.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

Is Moving to A Cheaper Place Worth It?

With rent prices up about 30% compared to pre-pandemic, moving to a place with cheaper rent sounds like a great way to save money. In some cases, a move can pay off, but moving is also expensive, and the costs associated with it (along with extra hidden monthly costs) mean you might be saving less than you thought—or it could even mean that you end up paying more! To figure out whether moving will actually put money back in your pocket, make sure you consider these expenses.

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Sam Cash, A Certified Financial Trainer Sam Cash, A Certified Financial Trainer

Is That a Side Hustle or a Business?

When deciding how to earn extra income there are many factors to consider, both financial and non-financial. Here are key factors to consider if you're thinking about entering the gig economy or launching a side hustle.

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Shannon McLay, Founder and CEO Shannon McLay, Founder and CEO

Message from the CEO - Lessons from the Launch

As many of you may know by now, earlier this year, Financial Gym launched its investment subsidiary as a response to high client demand; and I have personally spent hundreds of hours over the last three months speaking one-on-one with our clients (past, present and future) about their investment portfolios and strategies. As a result of these conversations, there are a few common takeaways I want to share with you.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Combat Lifestyle Inflation

If you have ever dreamed about making more money, received a raise, and then had no idea where that extra money in your paycheck was going, you’ve fallen prey to lifestyle inflation. Here are four ways to combat lifestyle inflation and put your raise to work for you.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

3 Myths About Your Credit Score

Credit scores may be the most well-known measure of financial wellness, but how they are calculated is less clear to many people. A survey from CompareCards by LendingTree found that 37% of consumers agreed with the statement that they had “no idea how [their] credit score is determined.” This lack of clarity allows misconceptions about credit scores to thrive and can keep people from taking the necessary steps to improve their scores.

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The Financial Gym Team The Financial Gym Team

5 Ways to Find Women-Owned Businesses

There are many ways to support the women around you to rise to their full potential, one of the easiest being to empower women with your wallet. The ranks of female entrepreneurs are swelling as women-owned businesses become more commonplace.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Ways to Make Filing Your Taxes Less Stressful

Not many people look forward to filing their taxes—it can be overwhelming, confusing, or just a pain in the rear. But there is no point delaying the inevitable so here are five tips for getting through tax season without succumbing to stress.

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Loans Kylie Lipinski, A Certified Financial Trainer Loans Kylie Lipinski, A Certified Financial Trainer

What You Need to Know About Applying for a Personal Loan

A personal loan can be a useful tool for paying off credit card debt once and for all. Rather than juggling multiple credit cards with variable interest rates, you can just make one fixed monthly payment. Here is what you should know about applying for a personal loan.

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Shannon McLay, Founder and CEO Shannon McLay, Founder and CEO

Message from the CEO - Exciting Next Chapter for Financial Gym

Three months ago, I shared that we would be launching an investment subdivision for Financial Gym after years of client requests to provide this service. If I’m being fully transparent, I honestly had no clue how this news would be received. I knew we had a number of clients asking for this service, but I didn’t know what would happen when I sent that email into the universe. What has transpired in the last three months is something beyond anything even I could have imagined.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Set & Communicate Your Financial Boundaries

As if your own relationship with money isn’t complicated enough, making decisions that involve money and other people adds a whole new dimension. That’s where financial boundaries come into play.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

6 Low-Cost Date Ideas (For Couples or Friends!)

Dates are supposed to help people connect through fun and conversation. Whether you’ve just started dating, have been married for years, or just want to have fun with a friend, many go-to date ideas like dinner and a movie or drinks at a bar get expensive. If you’re looking to up your fun factor without blowing your budget, try these low-cost date ideas.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Talk to Your Partner About Money

Talking about finances with your partner can lead to conflict or it can bring you closer together. No matter how long you’ve been together, it’s never too late to change the conversations you’re having about money (or even to start them!). Here are five tips for how to approach it.

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The Financial Gym Team The Financial Gym Team

How to advocate for what you're worth

Have you ever felt like you’re not getting paid enough? Or have you heard murmurings that others are making more than you for the same job? You know it’s not a good feeling. You’ve probably heard the phrase “Ask for what you’re worth!” You know you should do it...but how? Don’t worry, we’re breaking down how to advocate for what you’re worth.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Set Better Financial Goals

The second Friday in January is “Quitter’s Day”—the day you’re most likely to give up on your New Year's resolutions. Part of the reason that people give up on their goals and resolutions is that they don’t set good ones. They are too vague, poorly thought out, or influenced by others. Here are the steps to set good financial goals that are more likely to stick and set yourself up to follow through.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

4 Steps to Recover from Holiday Spending

If you racked up credit card debt over the holidays, you’re not alone: about one-third of U.S. adults take on debt each year to pay for holiday expenses. The start of the New Year is a great time to tackle that debt and prepare better for next year so you don’t end up in the same position. Here are the steps to take.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Actions To Take Now To Achieve Your Financial Goals

The start of the new year is the most popular time to set new intentions, goals, and resolutions. Sticking with a change is another story: only 7% of people keep up with their resolutions for 12 months or more. Part of the challenge with keeping resolutions is that many people rely on their willpower. However, taking a one-time action can help you change your behavior and achieve your financial goals—no willpower required.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

Our Favorite Frugal Holiday Traditions

Traditions are one of the most enjoyable parts of the holiday season. They give us something to look forward to and make us feel more connected to the family and friends who share the tradition with us. While so much else about the holiday season feels like a drain on our wallets, traditions can spread a lot of joy without costing much.

Here are some of our favorites!

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