Money Wise Decisions

Epizodes

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  Buy Now, Pay Later: Can You Afford All Those Small Payments? 11.09.2026 15min

  A fictional household’s three small buy-now-pay-later checkout payments add up to a $380 commitment. Sarah follows the September calendar to show why a budget can project $35 left at month-end while still leaving a $75 unfunded gap before payday, then shares one practical step: put every payment date beside upcoming paychecks.
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  Why Minimum Payments Keep You in Debt 02.09.2026 17min

  A necessary car repair becomes a $1,000 credit-card balance, and Sarah explains why making the minimum payment can keep an account current while leaving most of the debt for later. Using a clearly labeled learning example, she walks through how interest can limit balance reduction, explains the payoff information on credit-card statements, and offers one no-cost step: write down the balance, minimum due, and three-year payoff amount from one statement.
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  Habits That Build Long-Term Wealth 27.08.2026 17min

  A $300 car repair and only $60 left after essentials reveal a practical long-term wealth habit: write down the real numbers, calculate the gap, and give each available dollar one job.
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  Protect, Check, Choose: What Comes First When Money Is Tight? 20.08.2026 13min

  A practical, shame-free way to decide what to do with limited money: protect essential bills, check what is actually left, and choose one clear job for the remainder.
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  5 Everyday Money Decisions to Revisit When Life Changes 15.08.2026 14min

  A practical, beginner-friendly guide to reviewing five everyday money choices when life changes: monthly cash flow, recurring costs, old defaults, large purchases, and future saving.
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  The One-Page Money Decision Before the Deadline 15.08.2026 11min

  Sarah follows fictional Jordan through a lease deadline, a possible car repair, a credit-card payment, and a long-term contribution question. Using an optional original Money Wise one-page worksheet, the episode separates items that need action now, more information, or a later review.