When you know these 5 tips on how to save money during the holidays, you'll make the season even more festive. Follow these 5 money saving tips to help you stay on budget.
During the holiday season, it’s easy to get caught up in the excitement and emotion of the season. #newcomers#newtocanada#cdnimm#prepareforcanada#manageyourfinances
1 1430 November, 2019
One of the most important factors in your personal financial situation is not how much your earn, but rather how much you spend. It’s important to manage your personal finances by spending less than your earn. But, many Canadians get caught in too much debt, trying to “keep up with the Jones” — in other words, have everything you want, from cars to electronics, even if you can’t afford it. #manageyourfinances
It's not just any Friday it's BLACK Friday.
My tip is to avoid the shops today it will be carnage...
Don't buy JUST because you think something is a bargain..
Consider : Do you need it? Does it have a purpose? Would this be a good present for somebody at Christmas
Do your research before impulse buying. Often prices have been inflated the week before to make it look like a 70% discount when it actually isn't.
And most importantly. Can you afford it?
One of the most important factors in your personal financial situation is not how much your earn, but rather how much you spend. It’s important to manage your personal finances by spending less than your earn. But, many Canadians get caught in too much debt, trying to “keep up with the Jones” — in other words, have everything you want, from cars to electronics, even if you can’t afford it. #newcomers#newtocanada#cdnimm#prepareforcanada#manageyourfinances
0 3427 November, 2019
According to the Office of National Statistics, cashflow is responsible for up to 90% of business failures. If you want your business to survive, it it imperative that you make financial planning and management a priority.
Join me for this one hour masterclass to learn about some of the key systems and processes that you can implement in your business to increase your chances of success.
We will explore: ■ Financial Forecasting
□ Profit and Loss
■ The importance of calculating True Cost
I have a Masters in Enterprise and an MBA which included intensive financial modules. I have supporter many businesses with financial planning and management who have seen significant increases in revenues and profits. I have helped to change the poor financial habits of many clients and get them to feel more confident dealing with their finances. I KNOW finance!
If you are an ambitious business owner or entrepreneur that wants to increase your chances of success, then this is the perfect opportunity to improve your understanding.
Most importantly, it's FREE. If you would like to sign up inbox the word "FINANCE" with your email address and I will send you an invite link.
Have you thought about what makes you #PASSIONATE about life? If you no longer had to work day-to-day would you know what yo do next? Retirement seems scary to many who don't first identify their purpose. What activities would make your retirement years rock? Share with me in the comments below.
@teachbanzai answers the age-old question: "Will I ever use this in real life?" with a resounding “Yes!” Learn more about the benefits of this free online program available to local participating schools by visiting their website!
As an accountant and tax preparer, I see alot of people that have trouble with the basics of personal financial management. Parenting should include teaching your children these basics because you can't count on our education system to do so.
For those adults lacking skill in this area, seek out help from your senior family members or educate yourself via YouTube, there are many sources out there to help you.
Which came first, debt or unhappiness?
It's been proven that having 'emergency funds' makes people happier. It makes sense... when you know you can handle an unexpected situation you feel more peace.
If you don't have an emergency fund yet here are some tips:
-It cannot be used for planned purchases like buying a house, a new car, or paying for your kid's a college education.
-There is no set amount that has to be in the 'emergency fund' - it varies based on your lifestyle. Just get it going.
Share your thoughts with me in the comment section below.
In our family, we have decided to prioritize taking vacation time together, even if it’s nothing fancy. Vacationing together can help you unwind, reset sometimes tense parent-child relationships, and strengthen family bonds.
But I understand vacations can get expensive quickly! I have some tips for planning a family vacation under budget, here you go: >Save ahead of time
>Start with your largest expenses
>Keep yourself honest by giving yourself a daily budget for small expenses.
>Build in a little cushion
>Plan your activities
Do you have some ideas? Feel free to share with me in the comment section below.
1 1115 November, 2019
You must recognize there is a reason your front windshield is bigger than your rearview mirror - the most important part of preparing for the future is recognizing that it lies in front of you.
In today's blog, I share a very special concept with you, along with four important key factors to exceptional retirement planning. LINK IN BIO.
1 514 November, 2019
For many, living abroad is an experience of a lifetime. However, something most don't think about before going is how they handle their finances will probably have to change. Seemingly simple things like opening a foreign bank account, sending money home, retrieving your money and navigating fees can be a real headache. Well, there's something that can make handling your finances abroad much easier- CRYPTOCURRENCY. Chances are you've heard of it by now, but you may not know much about how it works. Join us on November 10 at 10:00 am Coordinated Universal Time (UTC) for an interview with World Border Breaker Lance Ward as he educates us about it in "Cryptocurrency: Life Abroad Made Easier." As an expert who learned about and has used cryptocurrency while living abroad in several countries, he's more than happy to fill us in on all the benefits of this new currency so you can get started using it too!
So, if you'd like Lance to help you get started with cryptocurrency, then tune in LIVE, but in case you can't, be sure to catch the REPLAY. Oh, and click REMINDER on the post at 👉 bit.ly/cryptoabroad if you'd like one. Help spread the word and SHARE!
When you meet with traditional financial planners, you often come away with cut - and - dry plans to move your money around in ways that simply mitigate risk in retirement or improve the potential for better returns. Do you have questions about your retirement planning? Feel free to post them in the comments below.
Did you know that the Healthy Business Bookmark program allows you 9 additional hours of management support? .
If you need some guidance on managing your businesses' money, try accessing HBB through your Chambers Plan!
1 330 October, 2019
Make it a point to spend time with your kids. That's what it's all about. The time you spend with them should be consistent. Things like sitting down for dinner and having family conversations or going out with them for walks after dinner. Teaching them new things while having fun with them. This is a huge purpose driver for me - spending quality time with my boys. I'm grateful that money strategies have given me the freedom to choose my time wisely.
How do you spend time with your kids? Share your ideas with me in the comments below.
3 5130 October, 2019
💰Wealth Wednesday💲 🐷💲💲💰🐷💲💲💰🐷💲💲💰🐷💲💲💰🐷 Money Tip of the Day... 1. Come up with a calendar for your finances
The Mint app is AMAZING!! You can set up a budget, check your credit score, and it tells you when your bills are due, and most awesome it shows you where you are spending your money and what on!! Reality Check ✔
When you can identify what motivates you, then planning for your retirement becomes less scary. We will all retire one day. If you're lucky, maybe you'll choose to be "job optional" in your 30s, 40s or 50s - it's more possible than ever with the right planning. Planning becomes exciting when you know what you're planning for.
If you are (or could be) retired and under 60 years old - what are you / would motivation would be driving you?
1 829 October, 2019
"When people first get into bar ownership, there’s no instruction manual for how to manage the finances of a company.
Yet without sound financial management, every business is doomed to failure. Watch enough episodes of Bar Rescue and you’ll be quickly inundated with tales of operators who are heavily in debt and facing bankruptcy, which is the result of years upon years of overspending without any kind of intervention." Need to get on top of your finances? Read more: www.bit.ly/2kyvVvE
You can't predict the future. Make sure you can afford your purchase before whipping out that credit card!
1 324 October, 2019
Years ago, I met a person who told me that the reason people do what they do is because of something that happened between the ages of 8 and 10 years old. For me, it's definitely true.
I was spending most of my time with my grandfathers during that age and learned a lot of life lessons from them. Howard Weade, my dad's dad. Ralph Bailey, my Mom's dad. They had the greatest influence on my investment philosophy. They made me understand the value of a dollar and the importance of saving.
If we can educate kids (starting at 5 years old) about money, planning, saving, earning and looking towards the future - we are making a massive and positive investment in our global future. Now that I am a father of two boys, I make sure to pass on the lessons to them while they are young and growing.
All of the lessons my grandfathers taught me about money and how I parlay them into massive money-strategies for my clients are in my new book, Job Optional.
1 1224 October, 2019
This is what low-financial confidence looks like and it’s stressful. Checking to see if you have enough money isn’t a good money management system.
This is how you overspend on non-essential, end up short on bills, and get into debt.
Checking your budget to see how much you have to spend on a specific category before you leave the house is a less stressful job.
Only swiping the card that matches your purchase type is the next step, and then adding the expenses to your budget is the last.
This way you know how much you can spend, your spending is organized, and your monitoring your spending at the same time.
Lastly, check your account everyday to make sure your bills got pulled, direct deposit hit, and that you don’t have any fraud is a must. These cyber hackers are no joke.
How are you guys managing your spending?
Need help...? Text “Finance” to (310)867-5437
Anyone else have a large bucket list? I do! I can’t wait for the days I go sky diving, deep sea fishing & on my first cruise!
However recently it seems like the older people get, the smaller the bucket list of dreams. That honestly scares me! So, my encouragement to you today is to get your bucket list up to date, get out of debt & start knocking them off! Live your best life before it’s too late, friends. We’re almost done year 2019 which is insane – what have been some of your bucket list achievements?
“It is impossible to live without failing at something, unless you live so cautiously that you might as well not have lived at all, in which case you have failed by default.” – J. K. Rowling
As a recovering people pleaser, I have truly learned over the last few years that it doesn’t matter if I fail. Instead, it matters how hard I’m trying to succeed at using my talents and gifts to add to peoples lives. If you’re gripped by the fear of failing yourself or someone else, I’d like to encourage you to step out today.
Do something today that will cultivate a brave heart because people need the best version of you. No one else was made quite like you and you have so much to offer! Everyone fails. Everyone starts over in different things. Life is full of winners and losers. The losers are just the ones that don’t get back up and try. Learn from your failures & keep at it friends! .
The list of hard things about being a boss can be lengthy: delivering bad news, delegating, hiring, time management, enforcing company policies, complaints, difficult people or clients, finance management, finding work-life balance, workplace friendships, the list could go on.
However, one thing I’d like to encourage you with today is that you’re not alone in the difficult times! If you’re struggling with any of the things above at work today just remember you’re right where you’re supposed to be & God has a plan for you. Adversity not only makes you stronger, but more knowledgeable and wiser.
So, put that lipstick on boss lady & hold your head up high because good things are still coming your way! Enjoy the journey & opportunities for growth. And remember, people are always observing the way you treat people above and below you. Turn that RBF into a smile & be kind!
If no one has told you this before allow me to be the first to say. Once you change your mindset you can manage your money. Its not that you need more money, neither another job, nor a raise you need to manage what you already have.
If your finances are troubling you, the first thing to do is to get organized and create a spreadsheet detailing all your monthly outgoings. Then work out where you might be able to cut back. Do you have the best possible energy tariff, for example? There are several price-comparsion websites that could help you switch to a more cost efficient price plan. What about your mobile phone: are you paying for 'free' minutes that you don't actually use? It might be time to downgrade or switch to a pay-as-you-go or SIM-only deal. How much food do you throw away each week/month? Make shopping lists and stick to them, freeze any leftovers to eat at a later date and use price comparison site such as www.mysupermarket.co.uk to make sure you are shopping sensibly 🌼
- Find Calm by Anna Barnes
Get the best gift 🎁 💝 for yourself and your family.
Life insurance is a tool you can use to manage your financial risk. It can be used to replace lost income, cover burial expenses, pay off debts, college planning, build cash value, estate 🏡 taxes and a lot more.
Know more, feel free to message me for financial consultation.
Take control of your money with Financial Peace University
(FPU)! This nine-lesson course uses biblical wisdom and common sense to help you tackle budgeting, pay off debt, and make your money work for you! FPU includes your member workbook and a year of free online resources through Financial Peace Membership.
Summer essentials - let’s talk money.
▪️Five months of the year are gone and it’s time to look back at goals. I had two for this year, one done as of last month (get rid of car payment) and second one underway (pay for wedding out of pocket without going into debt). I’m already thinking about my next mini goals, such as fleshing out the emergency fund.
▪️As for my replacement no buy/low buy, it’s been quite a bumpy ride. I have bought *a lot* of skincare in the past months. But I am also enjoying using it all and it’s made my skin so much better which makes the investment 100% worth it especially for my mental health and self esteem. I don’t really buy a ton of makeup anymore but try to pan what I have. As for bodycare and personal hygiene items, I don’t have a backup consisting of 10 bottles of shampoo anymore, which used to be a regular occurrence. I have also finished all my minis which I highly recommend you do too. Stuff goes off. Use it.
✅ Tip: If you’re struggling on your strict no buy I recommend setting a monthly budget to spend on your indulgences. This way you’ll have to think about what you really want and can afford that month. If it’s too expensive or you want too many items then what is outside the budget will have to wait till the following month. But also if a flash sale comes up and you *need* that eyeshadow palette, you can buy it without beating yourself up. Make your own rules up, if any money is left over you can roll it over and have more next month or put the difference in your savings.
(Thanks for coming to my Ted talk, remember to wear sunscreen every day)
#ontheblog | Incoming First Year Grad Student Tips // link in bio
So many thanks to all of the contributing quotes, pieces of advice, words of wisdom, and phrases of encouragement. I think this article exemplifies how amazingly awesome social media can be because it portrays positive suggestions from y’all around the world for our future colleagues. Post published and linked thanks to so many of you!! This labor of love post aims to provide a little dose of reality medicine in what is about to be the most exciting, stressful, difficult, worth-it, transforming experience of your scholastic career so far. I hope that this post begins to cultivate your OT toolkit in effort to maximize your ability to step with your best foot forward to make this OT/OTA (**or any other healthcare grad program...)school terrain a little easier to navigate.
Here’s a little sample of my 5 Quick Quirks for Grad School Success which are explained in detail along with GIFs in the blog.
1. Make FRIENDS
2. Do the FINANCE DANCE
3. SELFCARE before Healthcare
4. Embrace the LEARN BURN
5. IT DEPENDS mantra on repeat
Please please share! In your stories, on Facebook, send via email whatevaaa ya want to an incoming first year student near you!! Much love,
SHANNEN MARIE OT
also if you’re feeling frivolous go ahead and tag an aspiring grad student of any healthcare background 😜
LIVING FOR OUR NEW ADULTY OFFICE