I have heard of Dave Ramsey for the longest time. My sister has taken his classes and follows his steps. So I know his steps work!
I always told myself I was going to take his class and follow the steps... and I never did. Well this pandemic hit hard that is for sure and I realized if I was out of a job what would I do?
I would be at a complete loss and wouldn’t be prepared at all whatsoever. That scares me! A lot! I have my children I have to make sure are ok at all times with or without a job.
So here we go!! I’m walking down the budgeting path!! So any tips you all may have comment them below 👇🏻👇🏻! Thank you in advance!! I will share what I learn on my way!
Let’s talk about 401k. I’m a 30 year old woman and I’m barely starting to contribute to mine. I have student loan debt as well as a car payment. I don’t regret starting this at all. I was never in a position where I could contribute ANYTHING because I was a single mom and I just couldn’t afford it. Now, I have a partner who helps provide, care, love, and teach our children and I’m so incredibly blessed to have this support. It allows me to free up a portion of my income to save for when I’m older and ready for retirement. And I’m far from retirement! I’m proud of this small number, because I can finally take a step towards providing for my future self. Yes, I know I have debt and shouldn’t put towards retirement, but that’s why it’s #personalfinance I also want to thank @my.peachyy.life for always talking numbers and made me realize that I need to take control of my #debtfree#debtfreecommunity#debtfreejourney#save#saveallthemoney#savingmoney#teamtinyshovel#savings#budget#budgetplanner
This is the start of a series focused on money management and controlling expenses💵
This is the first step I took while at university to controlling my spending. This allowed me to pinpoint my bad areas of spending so I could improve them in the coming months. For me it was fast food🍔
The aim isn’t to completely cut these out but to slowly reduce your spending in these areas.
This does two things
- Saves money
- Makes those things more enjoyable as they are less frequent
Win win huh🤷🏽♂️ Comment your thoughts below!
As mídias sociais têm sido o principal canal de comunicação de empresas desde que a OMS (Organização Mundial da Saúde) declarou estado de pandemia do coronavírus. Uma vez que estamos vivendo um período de isolamento social, é o momento perfeito para que empreendedores possam estreitar sua relação com clientes.
Criou-se um grande interesse popular em consumir informações sobre a nova pandemia. Por isso, pequenas e médias empresas têm investido na criação de conteúdos que tiram dúvidas simples e orientam na prevenção. Isso também é uma forma de aproximar o público e torná-lo um fiel consumidor de suas postagens.
A criação de conteúdo nas mídias sociais é a melhor forma de fortalecer a imagem de empresas no cenário atual. Esse tipo de ação faz com que empreendimentos agreguem valor, construindo uma boa marca para seus consumidores. Por isso, há estratégias básicas que você pode seguir para alcançar este objetivo.
A parte mais importante para que sua comunicação seja efetiva é manter uma boa regularidade de postagens. Assim, você fará com que seus seguidores aguardem pelo novo post e isso lhe dará credibilidade.
Quer dar um "up" nas suas redes sociais?
Comunicação & Marketing Digital
0 411 minutes ago
Coffee tables should have style.
Bachelor pad #2 of the summer currently loading.
Rich Dad Poor Dad
This book was the foundation of my financial knowledge and inspired me to pursue investing and to improve my financial literacy.
These were my main takeaways and lessons I found the most valuable. The most important of which was lesson 1, understanding the difference between an asset and a liability. This really changed the way I think about money.
Have you read this? If so comment what you thought down below!
🥴🥴🥴 @budgetbabeme inspired me to check what my net worth was and ummm I don’t like it 😤.
But seeing this number just motivated me to go even harder to pay off my debt ASAP. Soon I’ll be out of the negative.
Have you checked your net worth lately?
With my recent promotion, I’m upping my allocation to my retirement, my “future child” educational fund (529 plan), and my savings. ▪️No lifestyle creep over here! ▪️Once I pay my student loans off in July I’m ramping all these accounts up even more! ▪️ Follow @betterwallet for your daily dose of financial literacy and motivation.
13 3124 minutes ago
Lately I’ve been using the added time we have as a family to cook more. My youngest LOVES cooking/baking anything and everything and often meal preps with me. So I’ve been talking to him about cost comparisons. How much it costs to buy food, pre-packaged food vs homemade costs and serving sizes. Yesterday we made 28 homemade buttermilk pancakes. We inputted all of the information into my fitness pal to find out how much one serving (one pancake) nutritional value was. We talked about instead of having two of those pancakes how it would be a better choice to have nature’s candy on the side (that’s what we call grapes) and actual maple syrup as the topping vs the artificial flavored kind. In addition we compared the value of those 28 servings we just made. We calculated the cost and it was less than $4 for ALL 28! We compared that to a box of cereal that is around $5. And his words not mine he joked about how that box would only last a couple days in our house.
0 625 minutes ago
Are your eyes deceiving you? No! We had our first takeaway since December 2018 today! I opened my champagne that big man got me last Christmas (Irn Bru for him) and we ordered a takeaway. A couple of years ago I am embarrassed to admit we probably spent £50 a week on takeaway food. Nearly 18 months without it and we enjoyed our little celebration tonight. The food was OK, we can certainly make better. What the spend tonight bought us was family time without one of us being in and out of the kitchen. I'm kind of glad it wasn't delicious enough to make me want to go back to having a Just Eat app! The champagne was delicious but having that regularly is certainly not an option unfortunately! Happy bank holiday everyone. #reducewaste#lessclutter#lessstuff#frugal#frugalliving#frugalfood#frugalfoodie#sickofrenting#budget#raretreat#moneybuystime#familytime#amihallucinating#celebration
I’M BACK ✨ Last night I logged back into this account for the first time in over 10 weeks and wow how my life has changed! I gave birth to our beautiful baby girl Mia on the first day of lockdown in NZ at 7am and have spent the last two months riding the new mum rollercoaster 🤪 I’ve been swept up in learning to breastfeed, change nappies, trying to get some sleep, get a shower in where I can and just generally keep her alive! 😂 My budget has gone out the window and I have no idea what’s in our bank accounts 😬 but now she’s 2 months old (today) I am going to pick up where we left off and keep going with the progress we have made. Wow, motherhood is a crazy ride and we are only 8 weeks in! I feel like I’ve joined a club full of strong, powerful women that have been around me this whole time and I just had no idea 🤯 swipe for the cuteness!
6 1726 minutes ago
Trust because you are willing to accept the risk, not because it's safe or certain.
In my experience, there is only one motivation, and that is desire. No reasons or principle contain it or stand against it.
The worst thing you can do is look for shortcuts in building Wealth. They are not there. It's not a lottery. It's not a sprint. It's a slow and steady marathon. And only the patient win.
Girl Building Wealth
1 828 minutes ago
I LOVE BRAIN DUMPING. It makes me so much more productive! I’ve found that after I dump out all of my “to dos” and organize them by priority I’m prone to doing items on my list SOONER than I would have if I just kept everything jumbled up inside my brain. Being able to organize my thoughts and write them on paper with my cute pens and color coding is so satisfying and so is checking everything off. This was from the week before the last week of school. I had SO much to do and was so relieved everything was finished so that I could go to each of my student’s homes to give them their end of the year gift and read aloud to them (6 feet apart) without having to worry about all the clerical stuff when it comes to teaching! Got this F•R•E•E printable from @letsliveandlearn and am obsessed😍
June budget planning underway. •
I like making a rough setup for the upcoming months budget. Once I do this I talk with my husband before we finalize everything. •
How are you planning out your budget?
1 1531 minutes ago
During quarantine, the WWE started putting on shows in front of empty crowds.
People wanted to be entertained, and as you can see it can be awkward shouting in front of an empty stadium.
However, this is what THE PEOPLE WANTED.
Comment below on what you could provide THE PEOPLE with when it comes to your business, that they ACTUALLY want?
1 034 minutes ago
Celebrating weight loss is great, but you know what’s also great?? Celebrating things OTHER than a semi-arbitrary number, like being able to do push-ups on my toes again or doing single-leg burpees or wearing a pair of shorts that haven’t fit in about two years (and now they don’t really fit the best, but for the opposite reason #needabelt ). .
I shared on my stories this afternoon, but if you didn’t see, I’ve opened up our Facebook group and we are starting our first 21-day program on June 1st! That’s in ONE WEEK (from tomorrow—hey, I’m excited!)
What does being in my group involve? SO MUCH, like me cheering you on (like the classic #Type2 that I am), me and the others in the group sharing #budget ?recipes/grocery-buying tips, and access to the workouts I love and have seen major success on and off the scale. Send me a message if you wanna join—we’d love to welcome you into our group!
0 935 minutes ago
⚠️ If you have to be stuck in your house, don't be stuck with a high interest rate too!! 🚨
I've been a bit quieter on Instagram lately. A mix of not having as much thrifty stuff to share (although I did get some stonking yellow stickers from Asda the other day) but also because I've just been really busy trying to balance the full time temp job with the full time PhD I'm doing. It is exhausting at times to try and fit it all in, plus try to complete couch to 5k and rest and relax. This photo was taken on a lovely relaxing day off yesterday, about 10 minutes before the heavens opened and we got soaked. But I'm keeping my eye on the prize! In a few days my first paycheck from the temp job will hit my account with £694! Every penny will be going to my forever home fund (where I am saving for moving to our next house in 2 years time). Once that fund is complete I also want to save £750 to cash flow towards a new sofa (which will be around £1500 including the half Steph puts in) plus to try and max out a LISA account to £4k by April. I've set the kind of money goals that quite frankly terrified me this year, but I'm achieving them, and that powers me through the days I'm a bit knackered and want to go back to bed, not get up and go to work at 6.30am.
I hope you're all doing okay at the moment. It's okay if the only goal you're managing right now is to pay your bills and feed your family. There have been points in my life where I have had £20 to last me 2 weeks. There is no shame in whatever financial situation you have. Please don't compare your journey to mine if I'm a few chapters further ahead than you, it's the same book and your progress through it is just as valuable, no matter what page you are currently on ♥️
Recipe in bio:
OK so I am still enjoying cooking with pastry, but to be honest when you're cheating and using pre-roll who doesn't love the outcome? These Veggie Empanadas are no different, I had every intention at the start of the day to make Cornish Pasties, which if you have never tried are incredible! But then thought why not make something which to me is a little different. I know that empanadas are enjoyed all over the world but here in the UK I have never seen one on a menu, let alone try anything authentic. Trips to the US have given me a taste for Latin American Cuisine so I thought it was finally time to bring them back home!
For the sake of a veggie and coeliac friend these empanadas tick a fair few dietary restriction boxes being gluten free, dairy free and vegan! Don't take that to mean they are boring though as the filling packs plenty of punch, I used meatless farm mince which is pretty tasty and added enormous quantities of spices to make up the difference.
I also feel like its important to say how this recipe really isn't labour intensive, I know the total time is down at 4 hours but that is almost all fridge cooling time! I do enjoy spending time in my kitchen staring out to see as i cook but as with all my recipes you can trust me that none of them are a real faff!
Even if you’re not looking to attack your debt, it’s important to give your money name so that you don’t spend what you don’t have. This has been HUGE for us!
We make it goal to sit down and plan out our weekly budget every Thursday before our we get our paychecks on Friday. We write down all of our expenses for the following week and calculate how much goes towards bills, how much goes towards debt, groceries, entertainment, etc. We calculate down to the last penny so that we don’t over spend. •
There have been a few times when we didn’t name our money before it hit our account and we definitely noticed that we spent more money on unnecessary things because we hadn’t planned early enough. •
0 345 minutes ago
🖤 Work Week Planner 🖤 Super fun cheetah weekly work planner is available in two colors - black and white. Designed to add a little more fun to your work week - whether you're working from home or in the office!
It's perfect to help you stay organized on a daily basis, to prioritize any urgent matters and remind you of any appointments or meeting you might have. A note section is also included.
If you're looking for customization, please send us a message and we'll be happy to help!
I am now budgeting our June paycheck but I have to confess we failed with our May budget on the groceries category !
OMG! We were 280€ over budget!
I am still working from home, so, I could compensate with not spending that same amount on gas and tolls.
We were actually able to save money, which is good.
We would like to have an EF of 7800€, a 3 months fully funded expenses.
We already have 6100€
Only 1700€ to go, but it can take months so we will see.
On the good side of things, hubby has a few projects for work, so I will keep you posted on that!
As for June budget, I don’t think we will be saving too much.
I took a 10% pay cut and I also budgeted for some make up and clothes.
How are things with you budget wise?
Any fail recently?
. #YouCantBeInTheDfcIfYouDontHaveALetterBoard 😜 #debtfreecommunity #bs2 #budget #personalfinances #budgetfail #empoweredwomen #rockyourfinances
Please smash that ♥️ button before you🏃🏻♂️ To snag this freebie. Thank you🙌🏼
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1 51 hour ago
The most popular recurring question asked: 'Which is the best stock to buy?' 😪🤦🏽♂️
Unfortunately, there is no precise answer to this question...
-Where should I put my💲?
-When is a good age to begin saving?
-How do I start investing?
The addage goes 'Do not put all of your 🥚s in one 🧺'
Over-leveraging any position can cause increased risk to your portfolio.
BEST Tofu scramble
Only takes 5-10 minutes!
1/2 block firm pressed tofu.
1/2 canned tomatoes drained or 1/2 diced large tomato
2 handfuls of spinach
1/4 large red onion diced
1/4 cup unsweetened almond milk
1 tsp. Soy sauce
1 tsp. Turmeric, cumin, and garlic powder
1/4 cup nutritional yeast
1 tsp or more black salt
Cracked black pepper to taste
Optional: green onion, more spinach and avocado to serve!
1. Sautéed the red onion and tomatoes in the oil until all the liquid is absorbed and onions are translucent.
2. Add in cumin, pepper, garlic powder. Mix and sautéed for 1 more minute
3. Crumble the tofu and mix well into the pan.
4. Sautéed for 3 minutes. Then add in the nutritional yeast and spinach.
5. Cook for 2 more minutes. Then of the heat and add the black salt now.
6. Mix well and serve!
💗 6 Ingredient Chocolate Oatmeal No Bake Cookies @chocolatecoveredkatie .
A healthier version of everyone's favorite no-bake cookie, and they are popular for a reason! The recipe is linked in my instagram story for the next 24 hours, or it's also on the blog if you want to try them: @chocolatecoveredkatie .
42 2,7993 hours ago
💗 No Bake Chocolate Oatmeal Fudge Bars! @chocolatecoveredkatie .
Just 5 minutes to make, vegan, oil free, and NO baking required. The recipe is linked in my current instagram story or also directly linked at the top of my instagram profile, whichever is easier: @chocolatecoveredkatie
114 6,63023 May, 2020
In 2016 our car, credit card, phone, and student loan debt totaled $71,000 and was costing us $1,300 a month.
We were spending $1,300 EVERY MONTH on our past. Not on our present. Not on our future. We had 2 kids and only 1 income to work with that certainly wasn’t 6 figures.
It made me so mad to make those payments every month.
There were literally a thousand million things I would rather spend $1,300 a month on.
This was my “why” for paying off all $71,000 of our debt as fast as possible (it took 2.5 years of insane dedication and sacrifice). I was sick and tired of payments. I wanted my money to be MINE!
Now, every time we get paid, guess what? It’s ours! We get to keep it. We have options. We can save it, spend it, enjoy it, do something on a whim with it, whatever we want. And to tell you the truth, it’s every bit as wonderful as I thought it would be.
Since attacking our debt, our financial journey has evolved and we’re blazing our own trail with saving, investing, starting businesses, etc. But it ALL started with that single decision we made back in 2016 to work toward debt-free and never finance our lifestyle. It changed our lives and I know it can change yours too.
🌱Super Healthy Oil Free Applesauce Muffins, easy to make for a vegan breakfast or healthy snack. Leftovers freeze well too, so these are great for meal prep! .
The recipe is currently linked in my instagram story for the next 24 hours, or it’s also up on the blog: @chocolatecoveredkatie .
🍎 🍏 🍎🍏🍎🍏😋
99 7,11122 May, 2020
VEGAN BROWNIES 🍫 Happy Saturday Lovelies !! If you’re looking to do some baking this weekend, I highly recommend these! I wasn’t sure what to expect from these but they came out so fudgey and so good !! If you like dark choc, these are for you. I’ll pop the recipe below if anyone would like to whip up these bad boys 🤤
🍫 You will need 115g of Vegan Butter (I used flora spread), 285g granulated sugar, 80ml Oat Milk, 2.5tsp Vanilla Extract, 130g Plain Flour, 90g Cocoa Powder, 1tsp Baking Powder, 0.5tsp Salt, 100g Dark Choc Chips, Chopped Dark Choc.
🍫 Line a 9x9 baking tin and preheat the oven to 180 degrees.
🍫 Melt the vegan butter and whisk in the sugar. When combined add the milk and vanilla.
🍫 Combine the dry ingredients and slowly fold into the butter mixture.
🍫 Fold in the chocolate chips and spoon the mixture in the tin. Spread evenly and top with the chopped chocolate.
🍫 To keep gooey, bake for 25 minutes but if you prefer them a little firmer, keep them in the oven for 30. ENJOY 🐷
58 51523 May, 2020
Today, I'm giving myself grace as a mom. I'm not going to lie, the last few months being safe at home have been hard.
For the first time, like so many of you, I have become the teacher, the full-time cook, the multi-tasker as I try working from home, the house cleaner, and the 24 hour go-to entertainer for my son.
On top of that, some of you are facing financial difficulties as you work with only one income, a job loss, and reduced hours.
Right now, more than ever, it's important to understand that being productive isn't about getting a million things done. Sometimes it's just putting food on the table after trying to survive the day. It's giving yourself an hour to decompress as you watch your favorite show on Netflix. It's doing one load of laundry because you spent the whole day trying to figure out the online platform for child's school. And sometimes, being productive is coloring the day away with your child because it's all been so overwhelming.
Let me say right now, it's okay! You are enough, and today I give you permission to show yourself grace.
Embrace this time. Use it to grow as an individual and make memories with the people who surround you. Show yourself patience as you work with the obstacles that have been handed to you.
I'm filling this time finding free activities that my son and I can do together. We have been coloring, baking, gardening, and cleaning house. And even though it has been rough, I'm thankful for this time.
Remember, just because you aren't doing what someone else is doing, doesn't mean your doing anything wrong. It doesn't mean your slacking. It doesn't mean you aren't accomplishing anything. It just means you're doing it in your own way.
Please give me a 👍 and let me know I'm not the only one who feels this way. #wegotthis
579 6,58720 May, 2020
Do you give yourself a break from budgeting or working on your finances? I know I do.
Have you ever got to a point, especially in the beginning of your journey, where budgeting almost became obsessive? Almost like you're so excited it's all you think about? I know this happened to me.
Being excited to work on your finances is a wonderful thing. I mean, who ever thought you would say you were EXCITED to work on your budget? But just like a lot of things, taking a break to digest, to clear your mind, to enjoy time away from your finances is also needed.
This is something that I not only had to learn on my financial journey, but also my health journey. I was so excited to get in shape I was working out every day. In the long run, this just isn't sustainable. Much like your body, your mind needs a break too.
Today, I mentioned on my stories that I take the weekend to step away from my budget and finances. The weekend is my time to enjoy family and to clear my mind from the previous week. Almost like a reboot.
When you are able to step away and give yourself that break, sometimes you are able to see things more clearly.