How You Spend Your Days

How You Spend Your Days
Tackling Debt in Real Time

One Year Update – One Year Anniversary Episode!
Oct 30 • 31 min
Ep41: Holy cow! We’ve hit one year of How You Spend Your Days! In this episode, I look back on some of the conversations we’ve had since October 2018. Overview of how Atomic Habits has changed how I approach money One year update on my numbers and…
What If Money Was No Object – Alan Watts
Oct 9 • 4 min
Ep40: We’re mixing it up a little bit this week with a meditation on money and life from philosopher and thinker, Alan Watts. Next week we’ll be back to our regular episodes for episode 41, which marks exactly ONE YEAR of this show. I’ll be providing an…
Paying off debt and owning things with Monica Thompson
Sep 25 • 31 min
Ep39: This week we talk to Monica Thompson about hitting one of her financial milestones and learn more about how she has taught herself what she knows about financial literacy today. We touch on buying cars, mortgages, credit cards and feeling…
Subscriptions, Subscriptions, Subscriptions
Sep 11 • 23 min
Ep38: In this episode, we talk about subscriptions. Today we have access to more subscriptions than ever. We have subscriptions for movies and television (Netflix, Hulu), toothbrushes (Quip), meal prep (HelloFresh), underwear (MeUndies), and even pet food…
Love & Money – Talking about money in relationships
Aug 28 • 45 min
37: This week I’m talking about money in relationships and put my girlfriend, Chanelle Bessette, in the hot-seat. We walk through a list of questions to see how each of us manage money individually and how we approach discussing money in our relationship.…
Identifying Financial Fatigue
Aug 21 • 17 min
36: This week we talk about identifying financial fatigue and how to combat it and avoid it altogether. Identifying Financial Fatigue Some of the feelings that come along with financial fatigue include: The feeling that managing your finances is tedious…
Plan A Money Date With Yourself
Aug 8 • 10 min
Ep35: This week I sat down and reevaluated my finances and refactored my “Numbers” spreadsheet. This is a little bit of update episode since it has been a minute since the last one. This is also a good reminder for you to sit down and take a look at how…
How to make freelancing (or your side hustle) work for you
Jul 31 • 28 min
Ep34: This week we get very tactical and jump into how to make the numbers work around freelancing or being an independent worker. Come up with a number Align your expectations Timebox your work Reduce and automate the meta work Track Your Time Automate…
7 Things You Should Do For Your Financial Fitness
Jul 24 • 14 min
Ep 33: This week we dive into seven things you should do to make sure you stay financially fit. Check your Credit score Nerd Wallet Credit Karma Mint Set a savings goal and create a named virtual savings account for that goal Take inventory of your…
Playing with FIRE – The Documentary
Jul 10 • 7 min
Ep 32: This week is a fun update! HY$YD is hosting a screening of the documentary Playing with Fire. You can listen to my interview with Scott Reickens in Episode 10 if you’d like to hear more about Scott’s background and why he set out to make this…
Paying Off Student Loans by Learning to Code w/ Lindsay Barrett
Jun 19 • 22 min
#31: In this episode, we’re joined by Linsday Barrett who conquered $37,000 in student loan debt in 3 years after graduating from college and investing in herself with a web developer bootcamp. I’m honored to have played a small part in her journey as I…
Ep30: Freelance Finance with Lara Cattlin
Jun 12 • 24 min
This week, I chat with Lara Cattlin, friend and freelance copywriter, about the ins and outs of freelance finance. Freelancers have a gauntlet of tasks that they have to do in addition to doing the work that they specialize in. We talk about cash flow…
Ep29: Your Debt Payoff Date
Jun 5 • 14 min
This week, I sit down and calculate my official debt free date and discuss why it’s important to have a clear and defined date. This date allows you to make informed decisions on where you spend your time and money and increases the likelihood of you…
Ep28: Negotiating with Credit Card Companies
May 29 • 21 min
This week, I called my credit card companies to confirm my interest rates and attempt to negotiate down my interest rates with each card. My results were mixed as you will hear in this episode but getting your credit card companies on the phone is a good…
Ep27: “Shop Twice, Spend Once” with Todd Clary
May 22 • 33 min
This week I’m joined by Todd Clary of Clarity Financial Coaching to discuss the stigmas around talking about money and why he decided to become a financial coach to help others accomplish their financial goals. Some of the articles and resources we…
Ep26: Money and Family with CJ Avilla
May 15 • 33 min
This week, I’m joined by a friend and colleague, CJ Avilla. We discuss his philosophies around money, how his family tracks money, how they spend money and how CJ and his wife have been teaching their kids about money. Some of the articles and resources…
Ep25: Recalibrating for New Goals
May 1 • 17 min
Episode 25! This week is a quick rant on recalibration. It’s a good time to bring back some awareness around how much I’m spending, on what, when and why. With the start of a new month (May), I’m looking to jump back into another frugality challenge and…
Ep24: HY$YD Six Month Update 💸💸
Apr 24 • 14 min
This week marks the point where I’ve been doing this show for 6 months. It also represents 6 months of me paying more attention to my financial health than I ever have.
Ep23: Resistance and Plateaus
Apr 17 • 16 min
This week I explore the Resistance that one encounters when trying to complete creative endeavors, especially ones that take a great deal of time to see to fruition. The idea of “Resistance” with a capital R is a big focus of Steven Pressfield’s “The War…
Ep22: “Life Happens” with Tanja Hester
Apr 10 • 34 min
Tanja Hester is back this week to join us for Episode 22. We spend this episode going through updates on what is going on in our lives. Check out the bulleted list of topics below. Cashflow as a Freelance Adding to the Emergency Fund with a “Life Happens”…
Ep21: Valuing Your Life Energy – Maximizing Income
Apr 3 • 20 min
In this episode, I get a little introspective and talk about valuing your life energy, as talked about a lot in Vicki Robin’s book, Your Money or Your Life. Up until now, we’ve been largely focused on minimizing spending but another way to value your life…
Ep20: Travel, Trips & Vacations
Mar 27 • 20 min
This week I am checking in to discuss how I’m approaching travel, trips and “vacations” while continuing to prioritize getting out of debt. Resources In This Episode Kayak Marriott Bonvoy Southwest Rapid Rewards Hotel Tonight Follow HY$YD or send us…
Ep19: No Spend Month Challenge with Chanelle Bessette
Mar 13 • 20 min
In this episode, I’m joined by Chanelle Bessette to talk about the “No Spend Month” challenge that we both undertook for February. We discuss what rules we set for ourselves, the challenges we ran into and the results from taking a financial detox period.…
Ep18: Tackling $80,000 in student loans with Nicole Rose Dion
Mar 6 • 25 min
In this episode, we’re joined by Nicole Rose Dion, who conquered over $80,000 in student loan debt in 6.5 years after graduating from college. I talk to her about the stigma around debt, the constant stress and anxiety she felt while she was paying…
Ep17: Revisiting My Goals After Four Months
Feb 27 • 18 min
After four months of doing this show, I revisit the goals that I set in Episode 3. 17 weeks have gone by and while I am slowly chipping away at my overall financial goal, a lot has happened since I started paying better attention to my finances and…
Ep16: “You Get What You Repeat” – Atomic Habits
Feb 20 • 22 min
This week we jump into habit formation and how we can develop intrinsic motivation and develop lasting behavior change that help us to achieve our long term goals, like getting out of debt. Check out more about James Clear and his many amazing articles at…
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.