💡 Pro Tip: Align your paydays with your bills. It will make budgeting so much easier. If your due dates are all over the place try calling your creditors and companies you do business with to change your billing dates to align your paydays with each monthly bill. Also, you can enroll in auto-pay so you do not forget about paying certain bills. Always make sure you have enough funds in your account to cover these monthly expenses.
3 243 hours ago
@brilliantgirlfinance can help you FOR FREE 😌
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Take advantage and follow us !
Would it help if you had a credit score that was 74 points higher than it currently is?
What if you walked into the dealership to buy your next car KNOWING you’d get approved?
Would you negotiate more confidently?
[You’d certainly pay less for that car over time because of the better interest rate you'd get... as you saw by our post earlier this week.]
What if those 74 points on your credit score would allow you to get your house refinanced at a better rate saving you tens of thousands interest and lowering your credit payment?
74 points is the average rise in credit score we see with our clients in the first 2 months of working together.
Today we are offering you that same opportunity, no strings attached! Just click the link in our bio to check out our Master Your Credit Score video series.
Have you struggled with budgeting or finances in general? Check out this step by step guide on how to create a simple monthly budget! I know how stressful it can be and I hope that this will help take some of the stress out of it and allow you to take control of your finances!! I can't wait to hear from you guys and help answer any other questions y'all may have!! Let me know in the comments what goals you would like to achieve with your budget 👇🏼 I share some of my goals in the video ♥️ tag a friend below and plan to start a budget together so you have a friend to hold you accountable!
PAYING OFF DEBT!! Very similar principles with these two methods, you’re just focusing on either the lowest balance or the highest interest rate. Which method do you use? And how have you found it? 🌟💰✨
On Sunday, it will be 3 years since I moved to California! While this has been one of the most amazing, life-changing experiencing, I definitely didn't get every $ decision right for my big move. Here's what I would have done differently:⠀⠀⠀⠀⠀⠀⠀⠀⠀
1. Invest in my retirement WHILE building cash savings⠀⠀⠀⠀⠀⠀⠀⠀⠀
I saved up a year's worth of expenses while living at home before moving, but I was BARELY investing in my retirement account while I was working. And that means I left a lot of money on the table. I saved up to my goal faster, but in the long-term I'm going to miss out on a lot of compound interest.⠀⠀⠀⠀⠀⠀⠀⠀⠀
2. Separate my savings into an emergency fund and a find-yourself fund⠀⠀⠀⠀⠀⠀⠀⠀⠀
A year's worth of expenses is a lot of money, and it gave me the flexibility to find my passion for writing, but lumping it all together made it easy to keep drawing on it until it was almost gone. If I had a do-over, I'd keep 6 months of savings in a separate, high-yield savings account that was strictly my EMERGENCY fund, and budget the rest as my find-yourself fund. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I don't regret investing in myself to follow this dream..it actually ended up helping me discover other life passions I might not have had the opportunity to explore otherwise! But I know I made some mistakes that cost me even more $.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Are there any money mistakes you would take back if you could?
1 167 hours ago
Finally after long hours of recording and editing, the guide to using the personal finance dashboard is out! 🙌🏼
This is totally out of my comfort zone. I hate doing presentations and public speaking 🙅🏻♀️. I know I'm basically just talking to myself when I recorded this but the nerves was still there. Hahah. I felt insecure about my voice, pronunciation and intonation. But I know I need to get over those insecurities, otherwise, nothing will change and I won't be able to start. So here it is, finally published my first @youtube video. It's far from perfect but I feel so accomplished! 😁
Link to the video is in bio. Hopefully it answers your questions about the dashboard 😊
If you have other requests on how to do x in Excel/Google Sheets or in Canva, comment down below ⬇️
1 139 hours ago
Is it time for a budget refresh?
When was the last time you sat down and looked at all the line items in your budget. Do you really need all of them? How much do you currently have saved in your sinking funds?
Take some time to sit down and make sure your budget is still in line with your big financial goals!
If you need help getting started with your budget, click the link in my bio to get your FREE budget worksheet!
ohohoho Want to creep on my debt figures huh? I don't blame you. I like to creep too. 😅 although is it REALLY creepin' if it's out in the open and you full admit it? 🤔 ⠀
Alright so here are the deets! As of August 2020 here are our debts⠀
💳Mr. Credit Card - $416.30⠀
💳Mrs. Credit Card - $3478.94⠀
🚗Auto Loan - 28600.46⠀
😥Personal Loan - $8681.71⠀
🏡Mortgage - $138,965.20⠀
TOTAL DEBT - $180,142.61⠀
So how did we get here? Well....I kind of have an emotional related spending problem that I am constantly working on, and we just HAD to have a brand new fully loaded truck. But, I am definitely the spender in the relationship. *sad trumpet*
It takes one day to decide to make a change.
A decision to keep pushing no matter what.
I’m so thankful whenever I see my numbers that I didn’t give up when I felt discouraged in March, on that note I wanted to share my numbers to motivate someone.
This is my savings rate from March of this year up until July.
I didn’t use percentages because I like seeing the actual numbers and it helps motivate me. I also love seeing other people’s numbers so I decided to share mine.
It’s crazy to think in January and February of this year, I barely had any money in my savings account!
I hope you guys are also making some progress when it comes to savings.
Big or small, it doesn’t matter!
Progress is still progress! Be proud of yourself. And if you’re not saving due to reasons best known to you, keep pushing I know you’ll get there soon! ❤️
14 2911 hours ago
Too many people don’t have the things they want or aren’t reaching their financial goals because they are spending their money on things they don’t really value.
We say it all the time to our students: PERCENTAGE REFLECTS PRIORITY.
Your priorities are reflected in the percentage of your budget they get every month.
What do you really value? What is a big goal you have? What is the lifestyle you want to create?
Start putting a percentage of your budget towards that thing. The higher the percentage of your budget that goes towards something will reveal how much of a priority it is to you! If something you don’t value is getting that percentage, consider lowering it and shifting that money to where it counts!
What are some of your values? Are they getting the percentage they deserve?
Here’s a little inspo to get your weekend off to a productive and boss lady start! @emilyweiss started with a blog and built it into an empire. @glossier
Every Friday we will feature various women with a story that inspires. Whether it’s rebuilding her life after challenging times or building an empire from the ground up. Who are some women you’d like us to feature next Friday? #featurefriday
A weekend round up of our stay @seafireresort!
From the moment we arrived, we were greeted with a smile and the best customer service I’ve experienced on the island. The welcome drink, the beautiful dog bed in the room and the periodic text messages simply asking how our stay was made us feel so special.
We were there to celebrate @tarynat’s birthday and I’m so glad we chose this hotel to do just that. The food was amazing, the hotels rooms were beautiful and you can’t beat the view.
The entire stay cost us $850 USD which included two nights, drinks and food for a family of four. Is that a lot for my saving and budget loving brain? Sure. But we took the funds from our travel fund because let’s face it, we’re not traveling anytime soon! 😕
Overall the experience was fun and I’m still recovering from it this week. 😂
More on our finances will be coming soon - everything from what we’ve been investing, if we’ve been able to save and how we’ve been helping people during this difficult time.
8 1236 August, 2020
"If you buy things you do not need, soon you will have to sell things you need." - Warren Buffett
Do not buy anything, just to impress others.
Do you agree? 💯
💬 Comment "Yes" if you agree!
🔔 Turn on Post Notifications for more🔥🔥
📤 Share this post to 1-2 friends who need to see this!
39 2295 May, 2020
Getting ready for stuffing my cash envelopes! Was only able to get 20’s and 5’s but it still works out! .
#psig Members- don’t bother downloading! You know I got you 💚 Everyone else- head to the link in bio. You don’t want to miss out on these! Be sure to share!
16 1561 April, 2020
PSA: This is a friendly, quarterly reminder that Christmas is 289 days (or 9.5 months) away. If you haven’t done so, please consider starting a sinking fund so the holiday season doesn’t become more stressful than it already is for most of us.
We use the 52-week challenge, which helps us put away about $1300 by Christmas time. If you’re starting now, and you want to save more upfront, you can do the challenge “backwards” and save $52 for your first week. However you choose to save, start now.
Don’t feel like starting the sinking fund, yet? Don’t worry, I’ll be reminding you again in about 3 months. 😉❤️