Guys! GUYS! We just made an extra debt payment in December! We would have never been able to do this before as we are usually gathering our pennies to figure out Christmas and account for all the originally unaccounted for. For us, this is huge.
This number is also big, for us. This is our mid month payment a bit early. Here is my extra payment breakdown:
💰 $34.02 extra from recent monthly payment decrease after lying off my first debt snowball
💰 $44.00 from NYS tax return check (wasn’t expected!)
💰 $1043.91 husbands overtime
💰Total paid: $1121.93
Always grateful for extra hours my husband puts in to help out. As a salary employee, this isn’t the way I can help with finances. Instead, I’m in charge of the budget, I sell extra stuff around the house and have a small side hustle.
It was tempting to let some roll over extra into the Christmas budget, but off to debt it went.
Recently got a bunch of festival film developed and it made me so happi💕 it also made me SO excited for @lightsallnight this year 😍
I’m so excited to FINALLY have figured out how to budget so I’m not living dollar by dollar (a huge New Years resolution for me this year) 😭 it’s made this trip/vacation to Dallas possible which makes me even more happy🎉
I’m sharing my budgeting tips & tricks over at the link in my bio💕 and I’m throwing in the downloadable excel sheet that I use to plan my trips 🥰
1 651 hour ago
They say if you are doing what you love, you’ll never work a day in your life.
I couldn’t believe the amount of energy, I had left at the end of two workshops.
Always grateful to be able to impact the lives of others positively.
Show me the money! You almost unanimously voted for a budgeting class at the San Antonio Women’s Conference in February so let’s talk about money!
What about do you want to learn about budgeting? Daily spending tips? How to budget for a year? How to set up a monthly budget? How to save for retirement? What are the best college plans for kids? How to invest? Something else? Please comment below or send a DM so I can bring in the right teacher with the perfect topic for you!
When you master the art of saving money it’s time to move on to the next stage.
Side hustles are a great way of earning extra money, they provide you with constant cash flow and (depending what the side hustle is) don’t take up too much of your time.
Even with your increased income you should still be living below your means and saving/ investing. The extra income isn’t for spending on liabilities!! Save this post if you found it helpful and be sure to share it with a friend.
1 138 hours ago
learn how to budget 💲💲💲 budgeting is essential to achieving financial freedom
Don't compare your Day 1 to someone else's Year 8. It takes time to get out of debt, save for a rainy day, perfect your money plan and even begin to profit from a side hustle turned full-time business.
Just keep walking.
Keep doing... Because "when the time is right, I, the Lord will make it happen." Don't compare, just have laser focus and enjoy the ride.
Today we're sharing a fun way to stay on top of your debt from the finance blog, Budgets are Sexy! 💰💸Creating a money board can help you visualize your progress.⠀
Here's how it works ➡️ The money on the left represents the debt you owe and each dollar represents an amount of debt (i.e. $1 = $100 of debt). Then, as the debt is paid, you move it to the right. ⠀
To learn more, visit BudgetsAreSexy.com to read the full blog post! #DIYMoney#MoneyBoard#DebtFreeLiving#HowToSave#HowToBudget#PersonalFinance#MoneyMotivation
Today we are talking about 5 things that most people do that are keeping them broke
Now we know the obvious, you definitely have to budget and save money, but there are some other things that you can do to help your bottom line
To watch the full video head over to YouTube, if you would rather read then head over to my blog🤗
9 18114 hours ago
Finished all my intensive class work today! It's all pinned up for moderation and I'm actually proud of what I produced! Here is just some of what i did! It was an amazing class andmy teacher was brilliant 🙌 nothing makes it more enjoyable then being supported by friends and teachers 💖
The 3 biggest blockers to your progress & success are... Whether that be in relation to your money mindset, moving to your dream town or losing that baby weight, it all comes down to these 3 simple things:
BLAMING, EXCUSES, DENIAL.
Do you agree? 🤔
We all have that idea of how we want our life to look, how we want to feel, things we want to achieve etc, BUT we all have that little voice in our head that can default to those 3 factors unless we make choices every day to move forward & do something about it. 👌
Just like getting to where you want to be financially, it all takes small 1% changes to your every day life for long term progress & success, (whatever this may look like for you). Do you struggle with this too? What's your biggest challenge right now?
GETTIN’ FESTIVE (lol jk I’m just moping about whimpering about missing the UK ha). But, in order to make this warped summer Christmas period more fun, every year I save extra money for December fun – and if you watch my stories you’ll have seen a few things I’ve splurged on with that treat fund (manicures, @everlane treats and wine/beer, mostly!) What did I do? I did my #StepsToSavings self challenge and transferred $1 per 1000 steps I walked from late October to now (I’m still adding to it!). On top of that, I randomly withdrew $20 here and $50 there and chucked it into my bedside drawer. Whenever I had cash or anything extra in my account, I’d put it in the drawer. I ended up with over $500 from about September - December.
SO, practical tips on how you can also plan ahead to have extra dollazzz ready for treating your superstar self for Christmas/your birthday/a holiday:
🍾 plan early
🍾 set up multiple micro savings strategies to spread your motivation
🍾 gamify your savings, like transferring $1 per 1000 steps you walk, or $5 every time you do a load of laundry or go for a run. 🍾 set up a cash savings funnel too, and put loose change or small notes away whenever you have them.
🍾 turn on round ups into a savings account (or do something similar manually yourself by transferring an extra 10% of every purchase or $1 per transaction or something). MOST IMPORTANTLY: keep it small! If you start early enough, those tiny little amounts honestly will add up over time, while bearing pretty much zero negative impact on your everyday lifestyle.
What are sinking funds? Why should you include them in your budget? How do you figure out what you should be putting aside for your sinking funds?⠀
Sinking funds are an important part of a budget. They allow you to budget and prepare for things that don't necessarily come up every month, but throughout the year. Things like Christmas, vehicle maintenance, birthdays, insurance, etc.⠀
I've just finished setting up our sinking funds in YNAB for 2020. If you want to know more about sinking funds and how to set them up, you can check out our latest YouTube video. Link is in the bio!⠀
The things that happen when you step out of your own way!!!! I am super excited to share my big news with you. I've been working hard and consistently to prepare myself for the things God has prepared for me.
Ladies I can only pray that you are ready to take the journey with me. If you are go ahead and text the word Purse to 21000.
A smart decision about college can include the decision not to attend, or to delay attending for a few years and work full time to help pay for it.
A smart decision might be attending a local college for two years and then transferring to a more expensive, prestigious school. It means applying for every grant and scholarship you are evenly remotely qualified for.
A smart decision is choosing to major in something that people actually get paid to do.
Lots of us would have enjoyed majoring in history or literature, but those aren’t really well-paying fields. Taking out tens of thousands of dollars in loans for these kinds of degrees is a poor financial decision.
Crippling yourself with a debt that can almost never be discharged is going to color the rest of your life for decades to come.
You may have to delay things like buying a home and starting a family for years if you come out of college with monumental debt. Overall, college is still a good decision but the days of going to the best school that will have you on loans are over.
As previously announced, @the_money_manual and @forbetterorworth are kicking of a #2020moneychallenge . Here is what you have to do:
1) follow both @the_money_manual and @forbetterorworth
2) In the comments under this post, leave your best tip for managing your money in the new year between 12/9-12/16. The more #unique the better!
3) We will decide two runner up tips and a winner for the best tip that we receive. .
What do you win:
1) The two runner up tips will get a shoutout in our stories.
2) The best tip will get a spotlight post on both @the_money_manual and @forbetterorworth IG pages
3) A spotlight article on @the_money_manual website which is one of the largest personal finance websites around with over FOUR MILLION unique readers per month.
We look forward to seeing your best tips for 2020!!
10 469 December, 2019
Are you willing to do what’s required to change your life?
You can change your life in 12 months or less.
If you say Yulande, I'm ready to change my life. I’m prepared to do what it takes, Dm me right away for more information.
Its never too late to start trading. It may seems difficult in the begining but always remember there is no limit to what you can achieve with persistence. Shoot me a DM to get started. With an average win of 9 out of 10 trades daily and over 90% accurate trading signals. I will manage your account and get you the best an Expert have to offer. 👍
Had a very good day today! Not only did I wake up at 7 and stayed awake all day! I Started the day off with doing some washing. washing my shoes, clothes and sheets!
Moved everything out of my bedrooms so we could get some gaps filled in the walls so now i have a blank canvas to move everything around for something different
While moving everything out I also went over all my items to see if I could get rid of any of it, ended up Donating a bag full of random items I had sitting around, abd also finally fixed my computer screens so they sit at the same height, its been driving me crazy!! 😂🙌
Work covers up to $1,500 for pre-approved classes or seminars of several days duration. This includes higher education or credentials to enhance current skills or career advancements. Since I haven’t used this year’s credits, I am signing up for a six week community training course to help propel my career forward and acquire new skills. since I work in a very technical and niche field, it has become very important for me on how to learn how to scale #community especially in #opensource and SaaS solutions.
I recently felt stagnant for a while and want to exercise my brain and expand my learnings. If you are unsure if your company offers such a perk, you should be sure to ask about it or even suggest that your company offers one! 🧠
We are rounding out the last few weeks of the year and hopefully you have been implementing many of the managing your money tips that I have been giving you all year.
Now it's time to not just manage your money, but make more of it.
Sign-up for our Sunday School: December Money Series that will take place every Sunday starting on Dec. 15th at 8pm EST through Sunday, Dec. 29th.
There you will learn how to identify your skills gifts and talents and turn them into a money generating side hustle/business and even learn ways to get paid online.
No time better than the present. Start your week off properly with one new or improved habit!
The smallest of change can make the most progress, don’t underestimate small wins.
Here are some tips:
Wake up 15 minutes earlier
Do your bed immediately (before you even look at your phone)
Meal prep for the week
Go for a walk
Read one chapter of that book you’ve been neglecting.
Get rest (practice self care)
I was sick this week which means I didn’t get paid this week. As a lot of you know, since closing my small business, the main source of income I’m bringing in is from my 2 day/week babysitting job. It’s PT so I have no benefits, sick days, paid holidays, etc... This is why it’s so important to live below your means and have an emergency fund or a padded account. Do you have a job where if you don’t show up, you don’t get paid? Would your family be ok if you missed a day, a week? Could you still pay all your bills?
In my twenties, not getting paid would have been crushing for me. This week, the only thing I had to worry about was getting better. THAT’S what having an emergency fund and living below your means buys you - peace of mind.
Will it change this month’s budget? Yes. TBH, it’s going to mean less money going towards paying off my student loans this month. Our Christmas budgets are already in place and I don’t want to (or it’s too late to) change them. That’s our priority right now. But at the end of the day, we’ll be just fine. THIS is when living a (mostly) frugal lifestyle pays off! 👊🏻
Upon rereading TheMillionaireMind, I was reading a passage on a study done on millionaires they were researching and the academic backgrounds they had. Surprisingly, the vast majority didn’t come from well groomed pedigrees; a majority of them came from regular tier colleges or they dropped out to start their own businesses. 📚
To me, education is still important in terms of foundation and building network. But I wholeheartedly agree that it takes determination and willpower to succeed financially.
I personally graduated from an average state school (but left with no debt) and a subpar GPA, but I busted my ass off to get into the doors of the #techworld and now have a six-figs paying job. Competing with the brainy Berkeley and Stanford kids were the worst, but I got here too and learned to fight for a seat at the table. 💥
Intellect without tenacity will not get one very far. Thoughts? Can one be without the other to get far?
Trying to pack lightly has always beena struggle for me 😂
Its only one night away, but i have to make sure i have a mix of clothing in case we go for walks (im wearing the walking clothes/shoes in the car) and we are also wanting to hop around to different beaches throughout the day so I want to be prepared! Thats why I'm packing three swims and two pairs of shorts to mix and match.
I'm also taking my switch in the car, a big bottle of water and my camera!! Finally taking that out for the first time in ages!
It all fits well in my bag and I'm ready to go!! So excited!! 🌞🏖
1 327 December, 2019
Almost spent $200 on makeup this morning before slapping myself!! I cant remember the last time I wore foundation, or a full face of makeup because my skin is so DRY all the time!! And when I have warn makeup I have not liked how it looks, it covers my freakles, goes patchy and never matches my skin tone..
I'm trying to focus on just keeping my skin hydrated!!👍
6 425 December, 2019
Had the day off my uni intensive today due to having a cold, managed to sell a dress, wash all my clothes, do a hair and face mask and took some time to prepare for the rest of the week 🙌 feeling refreshed and so much better 💖 sometimes just a day to yourself can help more then you think 🌌
For more budgeting tips, head to the blog and go to the budgeting tab. I’ll post a quick tutorial on how to find it in my stories. What’s your biggest budgeting struggle?
46 1,45212 September, 2019
Yes, it's ok to splurge on nice things every now and then but when those occasional luxury splurges become reoccurring monthly expenses, it could be a case of lifestyle creep.
Lifestyle creep means less money going towards your debt repayment, savings and investing goals and it can dramatically slow down or completely derail your financial goals. .
To stay ahead of lifestyle creep, carefully plan out your income increases and expense reductions by including them in your budget and by giving each dollar a job to do. Build your splurges into your budget as well. This will help you see the big picture of your spending and help you reel yourself in if necessary. #bemindful#clevergirlsknow