Who says eating in has to be boring?? Boyfriend whipped these up tonight and they were better than any restaurant 😍😍
2 314 minutes ago
Entrepreneurship is honestly just like traffic. You get going, got your radio blasting, and just enjoying the ride😎 when all of a sudden.....
Boom, Roadblock and you're sitting there wondering if there is a quicker way around this!😨
Fun Fact: I really hate traffic! I hate constantly stopping and going so much that I have found easier routes to just about every place I go.
As our business grows and changes, you will hit a few roadblocks. The best thing to do is wait and strategize your way around it!
While your business is going through changes focus on this strategy (save it for later as a refresher):
👑 Allow yourself to feel whatever emotion is drawing up (stress, overwhelm, etc.). Then adjust your crown back in place because you got this, queen!
👑When you are ready, write down exactly what change is happening and three ways that you could shift with the change
👑Create a Pros/Cons list for each strategy and test out the option that you think is the best solution
REMEMBER, nothing is permanent. If one solution doesn't work, let's go back to the drawing board!👩🏽🏫
It's all about perspective. When you feel like you can't find the way, don't be afraid to reach to someone who can offer sound advice on your current roadblock.
DM me to chat about ways to get you pass your roadblock and back to business as usual!
1 214 minutes ago
If you caught my stories today I shared that even though we had adjusted our numbers last year in an attempt to break even at tax time this year we ended up getting a refund anyway. ⠀
I'm feeling so grateful because we are planning on putting the entire amount (plus some) to our emergency fund!⠀
I had been saving a portion of every dollar I had earned through Cents + Purpose to put towards my tax bill but because we ended up receiving this tax refund, I was also able to put a portion of that money in our emergency fund as well!⠀
A few days ago I made a $2,000 transfer to our EF and this week I will send another $3,000 as well!⠀
GUYS! This means we will over $12,000 in our Emergency Fund!!!! I'm SO pumped!⠀
This was completely unexpected and is such a blessing! We were expecting to break even or have to pay in this year so being able to add $5,000 to our emergency fund that we have been working on for 1.5 years now feels incredible!⠀
The end is in sight and we are going to bust our butts to meet our goal of $15,000 by the end of May!⠀
I know it sounds crazy but in some ways Baby Step 3 feels so much harder than Baby Step 2...⠀
Praying we can reach our goal and can soon get moving to Baby Steps 4️⃣/ 5️⃣/ 6️⃣.⠀
If you have completed Baby Step 3 how long did it take you?
I remember weeks where I’d work 70+ hours. Praying for overtime. Checking my chase mobile app to make sure I had enough money for groceries😓😓 Now I create my own income💰 travel the world 🌎 and help thousands🙏🏻🙏🏻 I live for the moments that take my breath away. For the people that make my heart happy 🙌🏻 The closer you get to excellence in your life, the more friends you'll lose... 💔
People love you when you're average because it makes them comfortable... 💆🏼♂️ But when you pursue greatness it makes people uncomfortable... 😶
Be prepared to lose some people on your Journey... 🌎
Keeping money is SO MUCH MORE important than spending money. If you keep money you are building savings and are able to invest in your future. Instead of giving in to your impulses and short-term gratification, being able to save money will benefit you tremendously long-term. 🤩
If you save money, you are less vulnerable financially. You have money to invest. You have money to invest if an opportunity reveals itself. You have peace of mind. You are trading all of this away if you are going on reckless spending sprees, trying to be cool.
Be smart: Be a saver, not a spender. 🤑
FOLLOW me @retiredby35 for more investing wisdom, F.I.R.E. advice and personal finance hacks. 👊
1 821 minutes ago
It's no big brainer that eating out gets expensive. That's why I started meal prepping. Big savings.
If you're like me, I work 7 days a week.
I spend on average $12 for lunch when I go out.
That comes out to:
$84 per week
$336 per month
$4,032 per year
Learn to meal prep. It'll change you for the best, and your finances 😁
Enquanto estamos na folia, as ADRs (ações brasileiras na bolsa americana) caem lá fora.
A queda ocorre por causa da escalada do vírus, que teve casos em novos locais até então livres dele.
As exportadoras vem sofrendo muito com o coronavírus. As ADRs de Petrobras e Vale caíram mais de 6% apenas hoje.
E aí? Preparado para reabertura da bolsa brasileira na quarta? Vai comprar ou vender? 🐻
1 1129 minutes ago
No battle was ever won by people who run!
19 87529 minutes ago
🥑 Picture this, you're at Chipotle, you get up to the register, they ask "do you want guacamole?" - this is the moment you've been saving for. You say yes without hesitation. 🥑
Seriously, this is #goals - What do you wish you could spend on without blinking an eye?
🔥🔥 Highly recommend!! 🔥🔥
Finished this book on vacation last week in about 3 days (which is pretty fast for this slow reader, lol!).
This book ranks in my top 5 favorite personal finance books, and I’ve read a lot of them over the past year.
Compelling story, practical and detailed information about saving, investing and how to plan for financial freedom.
I love that Kristy and Bryce challenge social norms like home ownership. It’s refreshing to read a different perspective and they do the math to back it up!
Have you read Quit Like A Millionaire?
2 234 minutes ago
It doesn’t matter where you are now. Changes in your behavior will make a huge difference for your future.
When I used to think of investors, I pictured a bunch of elderly gentlemen wearing top hats and puffing away on cigars in their Country Clubs.⠀⠀⠀⠀⠀⠀⠀⠀⠀
I know, kind of stereotypical of me.⠀⠀⠀⠀⠀⠀⠀⠀⠀
My understanding of investing used to be that it was for the wealthy to get wealthier and that it was out of reach for everyday people like you and me.⠀⠀⠀⠀⠀⠀⠀⠀⠀
What I’ve discovered over the years and in my journey with investing, is that investing is for everyone. You don’t need to be wealthy to start, in fact, it’s how you get wealthy. You can even start with as little as $5.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Wanna know how? Check out my latest blog post, link in bio OR⠀⠀⠀⠀⠀⠀⠀⠀⠀
2 245 minutes ago
How to 𝐍𝐎𝐓 be a broke college student:
1. Go to an affordable college
2. Apply for scholarships and grants
3. Save, save, save
For the full video and blog post, click the link in my bio 👍🏼
Time is why I always push younger adults to start investing, even if it is a small amount. Here’s why.
At 25, you have now graduated from your studies and are now in full-time work. You decide to put away $10,000 a year and stop at 40 years old.
Your friend decides that investing is not important until she reaches the age of 35. However, she decides she’d rather save until the age of 65. This means she will be saving for double the amount of time, hence investing double the amount of money.
She will have more money, right? Nope! You’ll have more money than your friend even though you put in less money over less time. Why? Because you started earlier.
If you’re in your 20s - it’s time to start investing now.
Earlier this week, John shared how he has earned over 19,700,000.00 with his simple, 3-step system. He outlined the 3 steps in detail here.
You don’t need any experience and you can be any age and live anywhere in the world. ❌STOP working 8-9 hours per day
❌STOP living paycheck to paycheck (or worrying about money)
❌STOP being told what hours you need to work
❌STOP worrying about retirement
❌STOP feeling stuck and unhappy about your income… ✅START earning $2,500.00 a week from home
✅START your own online business without any existing experience & investment needed is virtually non-existent
✅START this successfully without sales funnels, eCommerce, your own product, or tech skills
✅START vacationing, spending time with loved ones and doing the things that YOU love…
✅START with a proven plan that works for hundreds and thousands of people
John’s going to show you the 3-step system that makes this all possible TODAY... So hurry, what are you waiting for❓❗Take action, join the online training webinar now❗
$3660. That’s how much we paid for our family to be covered by private health insurance for the past 12 months 😳 And guess how much of that we actually used? $0 😖😳😱 Yep, shocking I know. It actually makes me so angry to think how much money we have wasted over the years. We originally upped our cover to include extra dental, as at the time hubby and I both needed a lot of work done, but in the past couple of years we haven’t even been to the dentist 🙈
I love the security of having private health insurance, but we don’t need heaps of extras or elaborate cover, so have been researching our options on @comparethemarket_aus, and have found we can save more than 50% ($1881.80 a year) by switching! I am actually in shock and feel so angry at myself for not doing this sooner!
Using Compare the Market you can compare private health insurance across a range of providers and products! It’s easy and simple to compare, and if you do get stuck they have an award-winning call centre ready to answer any specific questions you have which of course is 100% free to use.
Click on the link in my bio to compare private health insurance and start saving!
YES YES YES! I used to have such huge fomo saying no to plans but I realized I felt SO much worse about myself when I didn't meet my financial goals because of those decisions so I made the change to say no more often. It it definitely not easy but start small. Try to say no to one thing a week to help you save money instead. It'll feel so good with more of a cushion in your bank account or a more filled savings goal. Try it out! Happy Monday✨
I decided to get rid of Uber Eats and all the other food delivery apps off of my phone.
I had too big a temptation that when I get home from work, to just order food in rather than cooking what’s at home.
Now this is just a personal decision, it’s about looking at your own budget and removing temptation to help you achieve your goals.
If you have a tendency to buy stuff online, don’t store credit card info on the site, make it harder to spend money online.
Coming soon. You will learn:
1- The 3 reasons why most people fail financially
2- How to fix your money mindset
3- To identify where you stand financially- calculate your net worth
4- How to protect your family from a financial disaster with the right type of Life Insurance plan
5- Debt - the new form of slavery - How to break out
6- How to Leverage Your money
7- How to send your children to college debt free
8- How to Achive Financial independence & retire early
9- How to protect your money from financial predators
Tag someone you know that will help.
Jeff Bezos’ net worth is 127.7 billion. Maybe this visual from @humphreylol can help you put in perspective how much that really is 😨
1 01 hour ago
I’ve seen a growth in followers in the past month so I feel it’s only right to introduce myself.
My name is Rodney and I’m the founder of The Financial Pundit. In May 2013, I graduated with my Bachelor’s in Accounting and MBA in Accounting from Baldwin Wallace University. I’m a Certified Public Accountant and Certified Fraud Examiner.
I started this instagram page in hopes of sharing what I’ve learned with others. In many communities money talk is frowned upon and this attitude can lead to a lack of financial literacy. Out of this, The Financial Pundit was started to help do my part in sharing knowledge and informing others about personal finance.
If you use part of your home regularly and exclusively for your business, make sure you’re not forgetting to take advantage of these 5 deductions
If you are looking for a new tax professional, send us a dm or schedule a free tax consultation using the “book” button in our bio.
Credit scores are one of those things that I find young people are often only semi-familiar with.
To get better acquainted, here is a mini crash-course on the #creditscore 📈📉 All the info here (except the last photo) is quoted from the Equifax website.
A couple years ago, I opened my 2nd credit card. It was a department store credit card & my score dropped 20+ points. I didn’t realize doing that would affect my score. Since then, I’ve increased my score by increasing the limit so that I could decrease the % of credit that I use, I continue to pay my bills on time & keep my balance low.
I encourage you to familiarize yourself with your score & research/brainstorm ways to improve it. •••
Think about it & if you’re feeling bold, talk about it!
Ever wondered what debt free looks and feels like? We understand that you have dreams of buying a new home, new car, and achieving financial stability. We’re here to help! At colonial financial group, we specialize in consolidating debt, tax preparation, and building healthy financial futures for our customers. Are you in need of financial consultation? Click the link in our bio to find more information!!
In honor of #BlockbusterMonday and #BlackHistoryMonth , I'd like to take a moment to recognize the Blockbuster Necklace Set, In Good Glazes and Glaze of Glory, which almost single-handedly created more 6- and 7-figure black female earners than any other product ever🥳🎉🥳! Back me up, Papa fam! How many of y'all realized you could turn your financial life around because of this necklace/bracelet combo? 🤪 Friends, how many of you have owned one or more of the colors of this piece?
Be patient. Be different. Stop keeping up with the Joneses! Trust the process and you can change your legacy. Thanks @drbradklontz 🙂
3 01 hour ago
What happens when a #teacher loves her job but has a passion for #travel ? There is a way to the best of both worlds! I found Kim Young when I was looking for cool travel tips for teachers, and it turns out, she’s found a way to afford to travel on a teacher’s salary.⠀ ⠀
How does she do it? Visit One Million Apples [dot] com to listen to this episode and more! 🍎
2 71 hour ago
Read this again! Do you have a rich mindset or a poor mindset?
You want to invest in real estate? You want to buy stocks? You’re ready for multiple streams of income? Great! You need to start your own business as a new income stream. Here are a few essentials you’ll need: .
Website- people need to reach you. Plus, it’s the professional thing to do. Check out Wix, Squarespace and GoDaddy. .
Business structure- Start off right with the correct business entity. Do it yourself or hire an attorney.
Email list- stay on and offline with your clients. Check out Mail Chimp and ConvertKit. .
Social media- Instagram is the hub! Facebook, Pinterest, LinkedIn and Twitter rock too! You decide. .
Logo/branding- check out the freelance market at Fiverr.com. You don’t have to pay thousands like you did in the old days for a starter logo. .
You can do this. Treat it like a business and not a hobby. Watch it grow.
You are in a serious relationship when your finances are joint together. Celebrate your love and affection for your partner by following these ways to renew your (financial) love for each other:⠀⠀⠀⠀⠀⠀⠀⠀⠀
1. Create a joint goal: Nothing builds love like working together to accomplish something. Plan something that you BOTH want.⠀⠀⠀⠀⠀⠀⠀⠀⠀
2. Open a joint account: WARNING- PROCEED WITH CAUTION! Depending on which part of your financial journey you're at with your partner, opening a joint account together is a great symbol of love. There is lots of trust that should be expected from both partners. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
3. Complete your taxes together: Pour a glass of wine, download some tax software and snuggle up together by filling your taxes. Make sure you check with the Canada Revenue Agency to find out what you need.⠀⠀⠀⠀⠀⠀⠀⠀⠀
4. Create a joint budget: Another way to show you're in it together. Make sure to account for everything and not just what you want your partner to hear. BE HONEST!⠀⠀⠀⠀⠀⠀⠀⠀⠀
5. Decide on a wealth creation strategy: There are always suggestion on how to save money together and restrict, but discussing how your partnership will make more money and build generational wealth is key. Your partner is not only your life partner, but your business partner. Click to download a FREE copy of my goal-setting document in the bio. Set your goals for 2020 and beyond. Feel free to edit and customized to how you see fit!⠀⠀⠀⠀⠀⠀⠀⠀⠀
Me and the dude I'm seeing (may have mentioned him once or twice) have spent an insane amount of money on each other over the last couple of months
We've ordered extra toppings for our pizzas and bought unusual drinks for one another to try. We've gotten Ubers into town when we could've gotten the tram. We played Junkyard Golf and everyone knows how overpriced that is. I'm having more fun than I've had in ages but my bank account is crying. When we spent a day doing nothing but baking cakes and watching TV, I breathed a sigh of relief because I wasn't spending money for a change
I've spent the last few years banging on about the importance of talking openly and honestly about money but there I was, avoiding the topic to prevent awkwardness with a guy I like
I shook some sense into myself and explained that I'm struggling for cash at the moment and would love it if we did some cheap dates for a little while
Pleased to announce that our next date will consist of making pancakes and watching Love is Blind on Netflix
So I want to know, what's your favourite thing to do when dating on a budget?
1 172 hours ago
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𝗪𝗲'𝘃𝗲 𝗽𝗮𝗶𝗱 𝗼𝗳𝗳 𝗼𝘃𝗲𝗿 $𝟭𝟴𝟬,𝟬𝟬𝟬 𝘄𝗼𝗿𝘁𝗵 𝗼𝗳 𝗱𝗲𝗯𝘁 𝗶𝗻 𝗷𝘂𝘀𝘁 𝟯 𝘆𝗲𝗮𝗿𝘀. But #truth ? We’re not celebrating this. It's not "the most amazing feeling in the world." In fact, I'm quite neutral about it. 🤷🏾♀️.
𝟭. 𝗗𝗲𝗯𝘁 𝗽𝗮𝘆𝗼𝗳𝗳 𝗶𝘀 𝗮 𝘀𝗵𝗼𝗿𝘁 𝘁𝗲𝗿𝗺 𝗴𝗼𝗮𝗹 𝗮𝗻𝗱 𝗜 𝗵𝗮𝘃𝗲 𝗺𝘆 𝗲𝘆𝗲𝘀 𝘀𝗲𝘁 𝗼𝗻 𝘁𝗵𝗲 𝘂𝗹𝘁𝗶𝗺𝗮𝘁𝗲 𝗺𝗼𝗻𝗲𝘆 𝗴𝗼𝗮𝗹: 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝗿𝗲𝗲𝗱𝗼𝗺.
In other words, I'm way more thrilled by the amount of our own money we've managed to keep for ourselves and grow during that time (a nest egg that’s creeping up to the half million mark thanks to the magic of investing and compounding).. When you know what your ultimate goal is, it puts everything else into perspective. And debt pay off becomes just one possible lever that you can pull to help you reach your big financial freedom and life goals (and not THE thing that you MUST focus on or else all is lost.)
𝟮. 𝗧𝗵𝗲 𝘁𝗿𝘂𝗲 𝗺𝗲𝗮𝘀𝘂𝗿𝗲 𝗼𝗳 𝘀𝘂𝗰𝗰𝗲𝘀𝘀 𝗳𝗼𝗿 𝗮𝗻𝘆 𝗺𝗼𝗻𝗲𝘆 𝗽𝗹𝗮𝗻 𝗶𝘀 𝘁𝗵𝗲 𝗹𝗶𝗳𝗲 𝘁𝗵𝗮𝘁 𝗶𝘁 𝗮𝗹𝗹𝗼𝘄𝘀 𝘆𝗼𝘂 𝘁𝗼 𝗹𝗶𝘃𝗲 𝗯𝗼𝘁𝗵 𝗻𝗼𝘄 𝗮𝗻𝗱 𝗶𝗻 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲.
You absolutely can create a holistic money plan that finds the right balance between the life that you want right now and the one that you want for your future self. When you do that, it stops being about the numbers, how fast you got there, or how big they are.
Instead, you’re enjoying the life that you were able to live along the way. The meaningful work you did. The wonderful memories you made with your friends and loved ones. All the while knowing that your money plan has been running in the background, building wealth. #livehappy