Creative Success = Financial Balance with Flexible Budget Plans As a creative individual, dealing with irregular income can be daunting. In this episode of From "Creative Passion To Profit", titled "How Creatives Can Budget for Regular Income," I, Mahmood, tackle one of the biggest challenges faced by those in the arts and creative world—budgeting. Have you ever felt the high of being fully booked and having commissions flying off the shelves, only to be met with silence and income droughts the following month? You're not alone. But here's the good news: with a little planning, you can smooth out those financial ups and downs. In this episode, I'll share three simple steps to help you build a budgeting system that fits your lifestyle and supports your creative ambitions. You'll learn how to determine your essential baseline expenses, create a financial buffer for quiet months, and implement a flexible yet simple budgeting method that allows you to thrive creatively and financially. You'll also have some homework tasks... Timestamped Summary: [00:00:00] Introduction to challenges of budgeting with erratic income. [00:00:58] Step 1: Determine your baseline expenses. [00:02:12] Step 2: Build a financial buffer for quieter months. [00:03:46] Step 3: Apply a simple, discipline-based budget system. [00:04:58] Homework: Calculate baseline expenses and track income. Mentioned in this episode: Training Training Training Find out more about Budgetwhizz Find out more about Budgetwhizz Budgetwhizz…
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1
Financially Taking Care Of Elderly Parents
28:22
28:22
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28:22Bob talks to Crown Financial Ministries CEO Chuck Bentley about everything stewardship. One question in particular he covers is the challenges of adult children caring for elderly parents. Chuck always brings good advice!Von Bob Brooks
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1
What To Do If You Lose Your Job With Retirement In The Distant Future
27:38
27:38
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27:38You are rounding the bases of life with your focus on home plate. You pass home plate and retirement is your reward. Then, you get laid off. Everything changes, or does it? Bob talks about the three-step process to determine where you are and what you have to do to retire.Von Bob Brooks
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1
Will Your Taxes Go Up In 2026?
17:19
17:19
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17:19The Tax Cuts and Job Act of 2017 expires on 12/31/2025 unless the politicians pass a new version. IRS Expert Dan Pilla goes through the before and after of the tax cuts and what could happen if this bill is not renewed.Von Bob Brooks
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1
Can The Trump Administration Even Make A Dent In The 36 Trillion Dollar Debt Problem?
28:46
28:46
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28:46President Trump is on a mission to clean up Washington. Bob asks the question, "Is it too late?" Also, Bob goes over the cost savings of eliminating the penny - you won't believe those numbers.Von Bob Brooks
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1
What To Do With Your 401K Plan If You Lose Your Job
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28:47Bob goes through all of the options with you as well as talks about the pop culture finance view of this process. Hopefully, this won't happen to you. However, if it does, this resource will give you a clear look at your options.Von Bob Brooks
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1
Are You Listening Or Are You Talking?
24:12
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24:12Bob talks to author and forensic interviewer Mike Reddington about his book The Disciplined Listening Method. This is a great book that is packed with useful communication tips.Von Bob Brooks
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1
Are Student Loans On The Trump Chopping Block?
23:56
23:56
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23:56Bob talks with college admissions expert John Hupalo about Trump's plans for dismantling the Department of Education and what that means for student loans.Von Bob Brooks
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1
How Do You Sell A House In This Type Of Environment?
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26:10Bob talks to luxury home specialist Caralee Gurney about the best way to get your house sold in a stagnant market.Von Bob Brooks
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1
What Do You Need To Know About Tariffs And Inflation?
25:50
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25:50Bob discusses how tariffs work and why they can bring back more inflation... or a recession.Von Bob Brooks
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1
25 Car Tips I Have Learned From Tony Joe
26:23
26:23
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26:23Tony Joe couldn't be here today, so I thought I would put together a list of the top car tips we have discussed over the years.Von Bob Brooks
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1
President Trump Vs. The Federal Reserve Board Chairman Jay Powell
25:45
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25:45The two most powerful men in the country battle it out about interest rates. Here's what you need to know -Von Bob Brooks
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1
The Importance Of Interest Rates
25:45
25:45
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25:45Bob talks about what you need to know about interest rates and how important they are to your retirement.Von Bob Brooks
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1
Will the Devastation in Southern CA Effect Real Estate in Other Parts of the Country?
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24:16We are seeing unprecedented damage in CA. Mortgage consultant Mark Pfeiffer joins Bob to talk about the effects nationwide.Von Bob Brooks
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1
An Investment That Claims 100% Plus In Interest Each Year - What's The Catch?
25:46
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25:46Bob talks about how to read the fine print with these stock newsletter subscription scams.Von Bob Brooks
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1
With A Change Of President Comes A Change In Electric Vehicles
26:05
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26:05What is the future of EVs? Tony Joe is on the show today to share his thoughts.Von Bob Brooks
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1
President Trump's Pick For IRS Commissioner Might Surprise You
25:46
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25:46Trump wants change at the IRS - IRS expert Dan Pilla talks with Bob about what is happening in this era of massive change.Von Bob Brooks
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1
What Is President Trump Doing That Will Impact You Financially?
25:45
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25:45What will the first 100 days look like under the Trump administration? Bob weighs in -Von Bob Brooks
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1
Actions Of Financial Advisors And What They Mean
25:56
25:56
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25:56Twenty-three years on the radio, Bob's goal is still the same - to educate on how money works. Bob dives deeper into what you should be mindful of when working with financial advisors. With thirty-two years of financial experience, Bob has an interesting take.Von Bob Brooks
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1
Taking A Look At President Trump's Second Term
25:43
25:43
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25:43Expect the unexpected. How about a plan to protect yourself from the risk that comes along with change and cleaning up the political landscape?Von Bob Brooks
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1
What You Need To Know About The New Car And Pre-Owned Car Market
25:53
25:53
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25:53Should you get a hybrid? Are prices coming down or going up? Karl Brauer of www.iseecars.com is on the program to introduce a great website for how to buy cars.Von Bob Brooks
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1
Tips On Increasing Your Credit Score
25:53
25:53
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25:53Bob interviews Senior Vice President and Head of Global Research for TransUnion Charlie Wise on consumer credit. TransUnion is one of the big three credit reporting agencies, and Charlie has the inside knowledge, sharing some insight with us on consumer debt and raising credit scores.Von Bob Brooks
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1
How Employment Affects The Market
25:53
25:53
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25:53Bob discusses the impact of solid employment data on the stock market. The answer might surprise you.Von Bob Brooks
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1
Thoughts And Reflections
25:08
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25:08Bob shares a few thoughts on how we face a new year.Von Bob Brooks
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1
Why The EV Market Is Fueling A Boom In Tires
23:57
23:57
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23:57Tony Joe is in the studio talking about how tires could be a very expensive item for electric vehicles.Von Bob Brooks
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The world is changing that is for sure. Author Lisa Danels is my special guest to talk about how leaders can adapt and make change a benefit.Von Bob Brooks
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1
Why Do People Fail At Setting Resolutions?
26:06
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26:06Bob poses the question – are resolutions really more about habits than goals? The answer changes everything.Von Bob Brooks
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1
Everything You Need To Know About Index Investing
24:35
24:35
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24:35Bob interviews index fund specialist Mark Hebner on the ins and outs of index investing.Von Bob Brooks
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1
Resolutions Or Goals - Which Are More Effective?
25:39
25:39
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25:39Bob takes a closer look at what is more effective when you plan out your year. Do goals work better than Resolutions? Bob clears up the confusion.Von Bob Brooks
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1
Well, What You Think Is A Benefit Could Just Be Smoke And Mirrors
25:50
25:50
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25:50Bob teaches the art of noticing red flags when it comes to marketing and money.Von Bob Brooks
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1
The 5 Big Shifts That Could Impact Student Loan Borrowers In 2025
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24:17
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24:17It is a brand new year, and with that comes change. Bob and college expert John Hupalo talk about what student loan borrowers could face in 2025.Von Bob Brooks
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1
Is Being 100% Invested In Stocks A Good Idea For Retirement?
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24:07
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24:07A new study says that 100% should be invested in stocks at retirement. Bob talks about what you might not be seeing.Von Bob Brooks
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1
When Is Estate Planning A Necessity?
25:43
25:43
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25:43Pop culture finance says to start thinking about estate planning once you have a million dollars. The reality is that estate planning starts when a child is born. Bob talks about the importance of this planning.Von Bob Brooks
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1
Are Student Loan Borrowers In Trouble Again?
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24:33
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24:33Bob sits down with John Hupalo, CEO of My College Corner to discuss the troubles student loan borrowers are facing once again and how to move forward with confidence!Von Bob Brooks
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1
Would You Fix Your Car By Yourself?
25:55
25:55
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25:55Bob sits down with mechanic, Tony Joe to discuss the problems that arise when tackling car repairs on your own. Which projects can you do alone and which should be left to the professionals? Tune in to find out!Von Bob Brooks
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1
How To Increase Your Independence And Decrease Your Needs On Family
25:49
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25:49Bob talks about small steps you can take that will increase your independence.Von Bob Brooks
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1
What Is the Fair Market Value of Your House?
24:27
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24:27Bob sits down with Mark Pfeiffer, "Mortgage Mark," to discuss the Fair Market Value of your home and how it impacts decisions when buying, selling, or refinancing. Whether you're a homeowner or buyer, this episode offers valuable insights to help you navigate the real estate market confidently.Von Bob Brooks
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1
Is It Best To Plan The Non-Financial Aspect Of Retirement Before Or After Retirement Starts?
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26:03Bob talks about the pros and cons of waiting to plan or having a plan ready when it comes to retirement.Von Bob Brooks
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1
Are Retailers Really Charging Fees For Returns?
25:51
25:51
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25:51In this episode, Bob explores the growing trend of retailers charging fees for product returns. Are these fees justified, or are they just another way for stores to boost profits? Tune in as Bob breaks down the impact on consumers and what you need to know before making your next purchase.Von Bob Brooks
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1
The Roadmap To Financial Freedom Pt. 2
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25:47Part 2 of Bob's interview with Brennan Schlagbaum, author of The Roadmap to Financial Freedom, dives deeper into strategies for escaping debt and creating a sustainable budget. Brennan offers valuable insights on achieving true financial freedom and practical steps for long-term success. For more expert advice, visit his website at www.budgetdog.co…
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1
Are We In An Investment Bubble?
24:58
24:58
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24:58Bob explores the current state of the market and asks the big question: Are we in an investment bubble? Listen in as he breaks down the signs, the risks, and what it means for your financial future.Von Bob Brooks
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1
Catching Your Car's Problems Before They Start
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25:44
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25:44In this episode, Bob sits down with mechanic Tony Joe to discuss proactive ways to identify when your car needs attention—before the warning signs appear.Von Bob Brooks
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1
The Reality of Real Estate
24:17
24:17
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24:17Bob sits down with Realtor Caralee Gurney to discuss strategies for navigating the challenges of buying and selling in a tough market. Caralee also shares valuable tips on choosing the right realtor to guide you.Von Bob Brooks
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1
Should We Give Up on Gift Cards?
25:57
25:57
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25:57Gift cards are the number one requested gift this season. However, Bob explains why there is a lot to dislike about them.Von Bob Brooks
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1
Managing Your Finances This Christmas: A Smarter Approach to Holiday Spending Pt.2
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25:50Christmas spending can quickly snowball out of control—in part two of this episode, Bob discusses more strategies to stay financially mindful while enjoying the season of giving.Von Bob Brooks
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1
Managing Your Finances This Christmas: A Smarter Approach to Holiday Spending
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26:11Christmas spending can quickly snowball out of control—Bob discusses strategies to stay financially mindful while enjoying the season of giving.Von Bob Brooks
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In this episode, Bob tackles the big question: Why don’t people plan? Drawing from a stewardship perspective, he explores the deeper reasons behind procrastination and avoidance when it comes to financial and life planning. Tune in to discover insights that can help you or someone you know take meaningful steps toward a more intentional future.…
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1
Is Your Mechanic A Good Communicator?
25:31
25:31
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25:31Bob sits down with Tony Joe to explore the importance of clear communication with your mechanic. By the end of this episode, you’ll have the tools to avoid miscommunication and save yourself from unnecessary expenses!Von Bob Brooks
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1
What Does It Mean When Interest Rates Do Something Unexpected?
25:58
25:58
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25:58Learning about money is a process. In this episode, Bob discusses the importance of understanding key financial concepts before trying to master them. Listen in as he discusses interest rates- what they are and how they work!Von Bob Brooks
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1
The Election Is Over - Now What?
25:59
25:59
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25:59Bob talks about the economic environment and how you might approach investing in Trump's second term.Von Bob Brooks
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1
Car Corner True or False?
24:12
24:12
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24:12Are these common car concerns and “facts” really true or false? Bob sits down with Tony Joe to tackle popular questions about cars, sorting out fact from fiction.Von Bob Brooks
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