Since I was young I was always really into reading books and grew a pretty big collection. I downsized a lot when moving out to my own place but still have a bunch that are just sitting there after I finished. I posted today on my story about wanting to do a book swap, so I can give my books away to others and get different ones back in exchange.
🌞 IF YOU ARE INTERESTED, LET ME KNOW 🌞
Other than that, I also wanted to update this page with possibly a new name as I don’t want to give the impression this is just a fitness page. It’s not! I love working out and sharing what I’ve done for the day, but I also want to share a lot of my debt free journey as I think it could be really helpful to others because I know a lot of us are in the same boat.
With that said, you can expect weekly posts for tips and debt updates as well as workouts and possibly other lifestyle type posts. I hope you all continue to follow this journey of mine and that I can inspire at least 1 person to make a positive life change.
1 217 minutes ago
I know that COVID-19 really shook our world up and changed our views on what earning income looks like for so many people. Here are 5 ways to increase your income, please feel free to share your tips in the comments.
My wife is the breadwinner of our family and I LOVE IT!!!
My wife is the breadwinner of our family by profession and best believe I’m the first one supporting her growth in her career, encouraging her to ask for a raise, helping her prepare for interviews, you name it! My job is to make sure she flourishes in all aspects and if that means she earns more then so be it! Our family unit will be better for it!
So let’s have an honest talk Freedom Family!
𝐌𝐞𝐧: Would you feel some type of way if your lady makes more money than you? Do you feel like you have to make more? Do you feel intimidated by a woman who is successful? Why or why not?
𝗪𝐨𝐦𝐞𝐧: Would you treat your man as less than for making less? Would you feel bad for making more? Have you found that men are intimidated by your success?
Drop your thoughts in the comments below! 👇🏾👇🏾And tag a #girlboss in the comments!!
Follow @leo.jeanlouis for more money conversations like this!
Financial Terminology 📖 It’s been proven time and time again you don’t have to be a business school graduate to run and manage a successful business. Some of the most successful entrepreneurs have built their businesses on passion, talent, and of course, hard work.
Today we provide you with some important financial terms that will allow you to assess the health of your business and plan for the future.
We recommend you take a look at these terms more often that not to ensure you are growing your company and not moving backwards.
1 818 minutes ago
Are you using the right credit card based on your spending habits? How much should you save for a down payment on a home? How do you know which home mortgage option is right for you?
Use our financial calculators to answer these questions, and better understand your options when it comes to your finances.
Click the link in the bio to try one of our financial calculators today.
That is my motto, I NEVER leave the house without a list. It makes me feel so complete checking off the items that I need, plus it saves me from spending unnecessary money💲💲 Swipe to check out my Free Printable and NEVER go shopping again without it.➡️➡️➡️
Drop your email in my DM if you would like a copy sent to you. Your feedback is much appreciated 😊
Budgeting teaches you self-discipline and allows you to take control of your spending. Following a budget plan will keep you out of debt and help you work your way out of debt to focus on your future, and make educated financial decisions that benefit your long-term goals.
2 623 minutes ago
A lot of people are feeling financially stressed right now. One thing that can help is to give your finances a fresh look. Here are a few simple goals to consider working on. #GoodNeighbor
🚩 Check your credit score at ow.ly/klbL50AJfVr Report any errors or omissions to the credit bureaus, and start finding small ways to improve your score.
🚩 Track your budget so you know where and how you're spending your money. Software and apps like Excel and Microsoft Money make budgeting and tracking expenses easy.
🚩 Review your credit card statements and assess which debt to tackle first. Having a focused approach can help keep you motivated.
🚩 Look into disability insurance and life insurance to help protect you and your family if you lose your ability to earn an income.
It's been a while since my last update! To be honest, I'm not a fan of "monetizing" my net worth or using it to attract too much attention, as it tends to take away the focus of actionable steps that people can implement.
(no offense to the influencers who do. maybe I'll do the same someday)
[Whenever I share my net worth, I get the following common responses]
1) Oh my gosh, this is so intimidating. I'll never get there!
2) Is this for real? Show me your asset allocation/bank account, etc, prove to me!
3) Teach me how to be a millionaire overnight!
^as you can see, none of these common responses lead to helping people actually get started with wealth building 🤷🏻♀️
[Let's debunk these common misconceptions one by one]
1) Sharing my net worth is not meant to intimidate you.
The purpose of it is to show what is possible. So that you can stop limiting yourself and your growth. You can be young and have a high net worth. You can be young and build a lot of income streams. You can be young and be good with money. Dream bigger! Reach for the moon!
2) Asset allocation, bank account etc isn't something I am comfortable with sharing at the moment. As you can see, I have a very public account. My name is shown, my face is shown, my investment portfolios are shown (mostly on my YouTube channel)... There are very little things that I keep private, but asset allocation, bank account details, etc, are things that I want to keep private
3) Millionaire overnight is not something I teach. If someone else says they can help you become a millionaire overnight, please run the other way. Get rich quick is a myth. Scammers use this get rick quick concept to lure people into scams. Please don't fall for it!
Now back to what has changed since the last time I shared
Main contributors to the increase of my net worth
- Stock Market Investment Gains
- Appreciation of my Real Estate
- Income from my 16 Income Streams
👉PS let's take the focus off of "millionaire". How can you create more income for yourself?
✅ PPS If you want to build a coaching business with my help, book a call with me (link in bio)
2 825 minutes ago
I teach about Cash Flow Plans (instead of budgets) where you create a plan for money to flow in and out in a way that supports you, your business, and your clients.
Have you ever heard of 𝘁𝗵𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝘀𝗵𝗼𝗽? You can purchase big brands for small prices, however, you have to work in certain sectors to qualify for a membership...𝗵𝗼𝘄𝗲𝘃𝗲𝗿! Due to the current situation we all find ourselves in, they have opened up their memberships to more sectors so 𝗰𝗵𝗲𝗰𝗸 𝗼𝘂𝘁 𝘁𝗵𝗲𝗶𝗿 𝘄𝗲𝗯𝘀𝗶𝘁𝗲 and see if you qualify!
Once you know yourself it’s easier to learn how you handle money⠀⠀⠀⠀⠀⠀⠀⠀⠀
I used to beat myself up whenever my budget failed. Ugh?! Why couldn’t I stop⠀⠀⠀⠀⠀⠀⠀⠀⠀
Then I realized that money isn’t just about math. It’s about behavior! And if personal finance is 80% behavior then it’s NOT POSSIBLE to learn how to handle money until you KNOW YOURSELF.⠀⠀⠀⠀⠀⠀⠀⠀⠀
If you have tried budgeting and continually fail there is a strong possibility that your are attempting to apply techniques that are not suited for your personality type or natural tendencies⠀⠀⠀⠀⠀⠀⠀⠀⠀
There is no one way to approach personal finances. Everyone has a different approach and you just need to find yours. At the end of the day as long as you are in control and at peace with your money...it doesn’t matter how you got there. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I’m thankful for this feature on FOX34.com. To read the entire article click the link in my bio and look under “Features” #theorganizedmoney
3 2926 minutes ago
The 40% rule.
when your mind is telling you that you're
done, that you're exhausted, that you
cannot possibly go any further, you're
only actually 40% done
There is a basic formula for building wealth: make more money than you spend, avoid debt by savings and living below your means, and invest your savings wisely.
The first step is to earn enough money. You can earn money through earned and/or passive income. Earned income is what you do for a living and passive income is the money you make in your sleep. ⠀⠀⠀⠀⠀⠀⠀
The second step is to save enough money, which can require disciplined budgeting and planning. You’re making enough money, you are living well, but are you saving money? Are you prepared for a rainy day? Track and reduce unnecessary spending, create a savings goal, follow a savings challenge with your friends, etc ⠀⠀⠀⠀⠀
Taking on a bit of risk and making strategic investments is the third step. Investments does not always mean stocks, investments can be personal development courses, education, real estate, etc. An investment is anything that will allow you to see a return on your investment in a manner that works for you. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Our daughters sinking fund
The other day we went to Michaels and our daughter saw this savings picture frame. She decided she wanted it so she can start a new sinking fund for a car. They grow up so fast!
We have a car named Coco and we decided to “sell” it to her when she’s old enough to drive. I say “sell” bc that money is going back into a savings we have built for her (but she doesn’t know that lol). Our daughter has her $1000 emergency fund already. She saved money from babysitting. So we have confidence she will save enough for her car.
Anywho, we went over the basics of maintaining a car, the cost of gas, tickets, etc. We plan to pay for everything except for her gas and maintenance. She will be in charge of that part. We believe that when your teens have skin in the game they care for their things a lot more. Some people may not agree w our method, but we feel this is a great opportunity to learn responsibility.
How are you handing teens and cars? Did your parents give you a car when you were a teen? Would love to know.
Because it makes my heart happy - like this amazing budget organizer from @budgetsandbeauty
39 1,46123 hours ago
I set goals for this month finally. This is the first month in a long time that I’ve sat down and really thought about what I’d like to accomplish. These are goals that are going to help me set healthy habits, and make strides in my financial journey.
1. @thebudgetmom said she would sit and budget for 15 minutes a day. This is how she developed a healthy habit and made sure budgeting was done regularly. I am going to do this so that I can keep up with my budget.
2. I have been horrible about writing my expenses down. Normally I wait till the middle/end of the month, and it takes me forever to catch up. I want to break this habit.
3. In July I didn’t participate in the TBM savings challenge. These challenges are fun and an easy way to ensure money is saved. I will make sure to participate in August. My envelope is printed and ready!
4. I spend 8 hours on average on my phone. Disgusting, I know. However, quarantine has made it really easy to just sit on our phones. I want to break this habit. I know I wrote 4 hours, but I changed it to 6 hours. 4 will probably be September if 6 hours goes well in August!
5. I have been eating out way more than I like. This month I want to keep it under 4 times. It’s my dads birthday, first day of school, etc this month so I’m sure we will eat out 1 or 2 times. Under 4 will be ideal.
I’m really hoping I can do well and stick to my goals, so I can start establishing better habits.
Have you set your August goals yet?
34 5203 August, 2020
If you’ve been following my Instagram for awhile, you know I’ve only been talking about 💰 for the past several months.
Until recently, my Instagram was photos of my travels — posted at random and inconsistently — and wayyyy more often when I was traveling. ✈️
Then I was laid off and took the opportunity to travel for about five months in Peru, Australia and Indonesia.
I only started talking about money on Instagram (and in real life!) when I got back 🏡 in March because I kept getting the same question again and again: “how do you afford to travel so much?”
It’s been a weird experience deciding to use my Instagram to talk about #budgeting , #saving and #investing so we can all travel more right as the entire world shut down to travel. 🤪
But I guess we’re all pivoting right now.
Annnnnd getting to the core of what matters most to us.
Travel was never really about travel for me.
It was about broadening my perspective, freedom, trying new things — all things that are possible to do closer to home.
Last week a friend and I took a (socially distanced) roadtrip 🛣🚗 up to Maine with stops in Connecticut, Rhode Island, Massachusetts and New Hampshire along the way.
It felt great to travel again. It was a trip I might not have taken if not for Covid — avoiding crowds in favor of hiking 🥾⛰ in #acadianationalpark .
Have you made a #vacation or #staycation out of any local destinations lately?
It looks like travel may be on pause for quite awhile, so roadtrip 🚘and staycation suggestions are welcome! 👇
An Emergency Fund is fluid, it rises and falls like the tides.
I’ve seen too many of you beat yourselves up for “having to start over” or being “back at square one” when you used your Emergency Fund for an emergency.
I’ve seen others of you treat it like a savings account you don’t want to touch, so you end up pulling out the credit card instead so you don’t have to “start over”.
If you use an Emergency Fund for its purpose, you will be refilling it, over and over. Please get over feeling like a failure when that happens. It’s not starting over, it’s part of the process.
Think of it as a debt to yourself - it’s so much better to pay yourself back than a credit card. It’s there to break the credit card habit. Use it for that.
And every time you use it thank your past self for saving it so it would be there for you when you needed it.
And then go straight into blessing your future self by refilling it again.
An Emergency Fund is fluid, it rises and falls like the tides, that’s the point.
What has your Emergency Fund experience been like?
112 1,7532 August, 2020
58% of the way to an emergency fund of $10,000.
It feels good to have money in the bank like this, but I’d be lying if I said I was just as motivated to get this account to $10k as I was to pay off my $60,000 student loan debt earlier this year.
I think the best way to explain my mindset around this is that to me, my debt was like an enemy, and my savings is more like a friend. So before, when I was paying off my student loan debt, I wanted to essentially “defeat the enemy” soooo badly and pay off my debt ASAP because I didn’t want it to control my life anymore. I don’t have that same tenacity about my savings, so I’m not as intense about it haha - at least not right now. Can any of my debt-free friends relate?
Still saving though. You’ll never catch me not saving! 💃🏼
I’m hoping to reach my goal of $10k before the end of 2020.
I keep my emergency fund in my High-Yield Savings Account (HYSA) with Ally to give my savings a boost! Not sure what a high-yield savings account is? No worries, I just dropped a new blog post explaining exactly what it is and how you can open one to boost your savings, too!
Link in bio / my stories ⭐️
46 4295 August, 2020
KNOW YOUR WHY💫
Mine has always been a love for the ocean. That keeps me motivated! I want to be able to swim in clean seas that are flourishing, not harmed by my choices! That's my why.
I would love to know yours?
42 1762 hours ago
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