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NESARA GESARA - Is POTUS giving us a hint? If you notice the reflection of the drapes look like gold coins. The end if fiat money is closer than we think. If you can afford to buy gold now is the time. We are experiencing a global financial reset
Sanddollars come in different shapes, shades and sizes. Yet, they are all the same a beautiful unique sand dollar.
People come in different shapes, shades and sizes. Yet they are all the same a beautiful unique person.
People all around the whole have one powerful thing in common the need and desire to love. Love can cast away our greatest fears.....
This sand art was inspired by the importance of working together as a society. Each sanddollar was places side by side above and under each other but each one is essential to complete the message. Together we can create peaceful future one where we can share #onelove .
last week i tried on this beautiful skirt from @princesshighwayclothing. they were having 20% off store-wide, but i wanted to 1. sleep on it and 2. see if i could get a better deal. a few days later i bit the bullet; i couldn’t stop thinking about it, and i thought it was so beautiful that surely it wouldn’t last til clearance. i paid $70.40, and wore it to work that afternoon. i got lots of compliments, and a friend of mine loved it so much that i searched for it online to send her the link. lo and behold, it was in stock on the @dangerfieldclothing website in my size for $35.20! 😩😭
i emailed princess highway customer service, and they said that though princess highway is a dangerfield brand, they sometimes run different promotions. they couldn’t do anything for me but i could try to ask the store i purchased from to price match. i was extremely nervous and nearly just left it, but i went back the next day and the manager refunded me the difference no questions asked! from 20% to 60% off just for asking, which i never would have done if it weren’t for others sharing similar success in the @shesonthemoneyaus facebook group. seriously guys. join it. 😂
1 111 hour ago
Join us and get a copy from one of the coaches @busiselesho and @phelisa_mafunda. If you already have their books you can gift it to somebody else. Let's heal ourselves and embrace a good life.
In life there are patterns and cycles that you need to decide to change and one of those is DEBT. To be able to stop the pattern you need to understand why you keep doing it and that means working on yourself and healing some issues.
I have experience of realizing that I am in pattern of paying off debt and realizing that it was emotionally draining me. To be able to move forward I have had to dig deep to work on me and my relationship with money.
Over Rs. 1.55 trillion have been generated by Indian companies by way of BSE Bond platform during the current financial year.
Corporate India have Rs 2,03,580 crore worth of debt instruments listed on BSE platform in FY21 so far. In FY20, over Rs 4.33 trillion was raised by 116 issuers through commercial papers and Rs 3.36 trillion was raised by 121 issuers through bonds.
It’s fair to say it’s been a few big months, I didn’t think it could get busier & better than 2019, then 2020 happened! Amongst the hardships of 2020 I’m proud to become a home owner, I’m excited to start the next chapter, also sad to close the current one. Leaving my best mate will be different, but a good different😊
🤔How much should your monthly grocery spending be?
Well, there are so many factors that it’s difficult to put out a number.
One thing I do know is that the tighter your situation is, the tighter your grocery budget needs to be.
If you are struggling to make ends meet, or simply desperate to crawl out of debt ASAP, make it a tight budget.
Something like $125-$150/mo per person in an average cost of living area seems to be reasonable.
If you live in a higher cost of living area, have huge eaters, or simply don’t want to be strict because you make enough money to spend on groceries and still pay off debt and reach your money goals, well then, spend whatever you want!!!
The point of your grocery budget is not to limit you, it’s to help you create extra money in your budget to throw toward DEBT and SAVINGS and make those BIG goals happen!!!
It won’t happen without sacrifice, but you are the one that ultimately decides what number is right for your family and your lifestyle. Not me, you!
The most important thing is that you can *afford* what you are spending.
We budget $800/mo for our family of 5 and enjoy a little more freedom with our food budget than we used to. We have a small restaurant budget too. It works for us!
What questions do you have about grocery budgets?? Let’s chat and get this expense under control!🥗🛒
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 ⭐️
52 4635 August, 2020
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?
36 5363 August, 2020
Hi!! It’s been a while since I’ve introduced myself. My name is Amber and together with my hubby we’ve paid off over $303,000 in student loan debt in the last 3-4 years... but we still have roughly $350k to debt freedom!
After law school (me) and a masters degree plus dental school (him) we wound up with over $650k in student loan debt and now we’re on a serious mission to get it paid off fast.
We’ve been sharing our journey since 2017 and we’ve loved getting to know people in the #debtfreecommunity . It’s encouraging to see other people also crushing huge debt!
We have teeny angel baby twins and a wild and crazy 5 year old boy. We live near Phoenix, AZ and we’re learning how to take the heat both literally and metaphorically!
We love to travel hack, boat, bike, hike, swim, and be outside!
I’d love to get to know you too! Are you paying off debt? How much? From what (student loans, credit card, car etc)? Where ya from??
37 1955 August, 2020
I recently had my credit score checked and was thrilled to find out that it’s ✨775✨ with Transunion, 783 with Equifax, and 803 with Experian!
Some personal finance experts swear that credit score doesn’t matter because you’ll only need it when taking on debt (which you shouldn’t do), but I disagree.
Your credit is checked when applying for a mortgage, a refinance, an apartment, and sometimes even a new job! You want it to be strong so you can get the best interest rates and make a good impression. This alone can save you thousands. 😱 Most places look at the lowest or middle score for their purposes.
Thanks to the FTC and federal law, you are entitled to one free credit report each year from each of the major bureaus, TransUnion, Experian, and Equifax (normally they charge). They have setup a central site for you to request your free annual credit report.
This site is the only site authorized by the U.S. Govt and the FTC to get you your free annual report and it’s safe and secure!
It’s a good time to know your credit standing so I wanted to share this with you today!💕 head to my IG stories for more info and links. Do you know your credit score?
UPDATE: Your free annual credit report does not include your scores 🤔, which is super lame, but it does include important information about your true credit history and what is affecting your score. To get your scores estimated for free I recommend creditkarma.com! (The report I have in this photo is from having my credit checked for our house refi)
92 1,23129 July, 2020
⭐️ My emergency fund is currently floating around $5,800, so I’ll need to add about $1,200 to it this month to hit my goal of $7k. Once I get my emergency fund to $10k (hopefully by year-end) I’m planning to educate myself much more on investing 🤓
I think I’ll start with reading Broke Millennial Takes on Investing (thanks, @savemycents!) - has anyone read this? Do you recommend?
⭐️ Working out - mostly running 🏃🏼♀️
⭐️ Write 12 blog posts - this is a little something I’ve been trying out lately and I’m really enjoying it :) I’ve written 3 so far for August.
Speaking of, I just wrote a blog post that goes more in depth about my August goals💃🏼Link in bio / stories to check that out!
37 43713 hours ago
I have paid off over 96% of my debt.
Can’t wait to be debt free.