How You Spend Your Days

How You Spend Your Days
Tackling Debt in Real Time
Ep15: Minimalism & Money
Feb 13 • 31 min
This week is a little different. I jam on minimalism and how adopting minimalism in some areas of our life can help you to save money and energy so you can spend it on the things that you truly enjoy. Resources from this Episode: Life-changing Magic of…
Ep14: Reconnecting with Food on a $30/week Grocery Budget
Feb 6 • 35 min
This week I’m joined by a new friend, Dani Morris. In this episode, Dani shares with us how she and her husband were able to thrive on a $30/week food budget for nine months so that they could buy a house. Each of us has been able to reconnect with food…
Ep13: Saving Money Without Becoming a Hermit
Jan 30 • 25 min
This week I talk about frugality, places you can save money automatically and ideas for frugal substitutions for behaviors and expenses that you’ve become accustomed to (ahem, hedonic treadmill).
Ep12: The Infamous Spreadsheet & Lifestyle Creep
Jan 23 • 30 min
This week I am checking in with an update on The Numbers and releasing the spreadsheet! Don’t worry this episode isn’t me reading a spreadsheet aloud. I also dive into lifestyle creep a little bit and share how I’ve observed the effects of hedonic…
Ep11: Dave Ramsey & Money in Relationships with Katharine Schweitzer
Jan 16 • 34 min
This week I have the pleasure of speaking with Katharine Schweitzer about how Dave Ramsey’s methods and books helped her move away from the stresses of living paycheck to paycheck.
Ep10: Playing with FIRE – Scott Rieckens
Jan 9 • 46 min
Colin chats with an old friend and aspiring FIer, Scott Rieckens. Today, Scott is focused on producing “Playing with FIRE”, a documentary that uncovers the growing the community of frugalists, mustachians and valueists choosing a path to financial…
Ep9: Happy New Year 2019
Jan 2 • 6 min
This week is a quick update from Colin. We’d love to hear any personal finance questions or stories from your own harrowed journeys toward financial independence. You can send us questions, comments and feedback to @howyouspend on social networks or shoot…
Ep8: Resolutions are for suckers – 2019 Goals
Dec 26, 2018 • 22 min
This week, we review the goals that I set with Tanja in Episode 3 - Setting Goals. We discuss how and why people fail to achieve New Year’s resolutions and how we can avoid becoming part of that statistic while moving toward our results.
Ep7: Holiday Spending & Interpersonal Relationships
Dec 19, 2018 • 17 min
This week, we dive into the holidays. Calvin joins me again to discuss holiday spending and how our IRL spending habits tend to also bleed into virtual worlds like World of Warcraft.
Ep6: Bullet Journaling & Freelancing
Dec 12, 2018 • 9 min
Colin has a quick update this week with some resources to set the stage for the holidays.
Ep5: Check In & Questions from Listeners
Dec 5, 2018 • 18 min
This week I am checking in with a solo update and answering some questions from friends and listeners. Thanks to Steve and John for your questions! Follow HY$YD or send us questions/feedback Twitter: @howyouspend Instagram: @howyouspend Web:…
Ep4: Expenses & Consumption
Nov 28, 2018 • 28 min
This week we discuss facing your consumption and expenses by building an expense inventory. I looked at every recurring expense and expense category (food, drinks, etc.) to see where my money has really been going. This week I’m joined by a friend and…
Ep3: Setting Goals
Nov 21, 2018 • 27 min
This week I sit down with Tanja and talk about my upcoming goals for tackling my financial obstacles. Goal 1: Create a $1,000 emergency fund Goal 2: Establish a plan with the IRS Goal 3: Choose a plan of attack for credit card payoff Goal 4: Inventory my…
Ep2: The Numbers
Nov 14, 2018 • 32 min
Today we talk about my debt, put actual numbers to it and draw a line in the sand. These numbers will be available soon at so you can follow along with my progress. You can follow along with us on Twitter at…
Ep1: Colin & Tanja Backstories
Nov 14, 2018 • 24 min
In this first episode, we’re setting the stage with our backstories. Who we are, what we do and how we find ourselves talking about debt today. You can follow along with us on Twitter at @colinloretz and @our_nextlife.
Ep0: Introducing HY$YD
Oct 23, 2018 • 5 min
This is the show where we explore debt, break down the stigma around talking about money, and give you a behind the scenes look at my own journey of becoming debt free.