The Futurealty Tribe is busting the myth that it's too hard to get on the property ladder. We're doing things a little differently to see more Australian's start their property success journey.
Come join the tribe in our facebook group, link in bio.
We are Haley & Justin and the cutie in the stroller is our baby girl Calliope (pronounced like Penelope and not like cantaloupe). 😂⠀
We are both upper elementary teachers and high school level coaches. ⠀
We inherited a LOT of money in 2016 and blew the majority of it ➡️ then went into $27,000 of credit card debt all in just 3 short years. 🤯😫😳⠀
It’s safe to say we have made nearly EVERY financial mistake possible and we had a very toxic relationship with money before we started our debt free journey. ⠀
•We’ve currently paid off ALL credit cards ($27,000) ✅ ⠀
•We paid off our brand new 2018 4Runner just to turn around and sell it a year later 🙃 so we could put cash on our student loans⠀
•We have paid off NINE student loans this year and are about to pay off our TENTH in a few days. 🥳 ⠀
Our situation is extremely unique and our methods have been pretty unconventional, but we are well on our way to financial peace and freedom and we have learned a whole lot from our money mishaps. We currently have around $97,000 left until we are DEBT FREE. All student loans.
Thank you to everyone who has cheered us on! It’s the accountability from this community that keeps us going strong! 💪🏻 ⠀
Building multiple streams of income is no longer a luxury, it has become a necessity. If the high rate of unemployment and mounting job losses have taught us anything, it is that nobody's job is safe. Unfortunately for most people, their only source of income is from their job, which can be a risky way to live.
Because of the financial risks involved with relying on a job for all of your incoming cash, it is critical to consider having at least one additional source of income. Here are seven simple reasons why building multiple income streams is so important:
-Rising Health Care Costs
-Paying for College
-Living Within Your Means
-Pay Cash for Purchases
-Pay Down Debt
-Build a Holiday Fund
Are building multiple income streams? 👇Comment below👇
Raise your hands in the air 🙌 if you haven’t 💃 thought about... your financial goals in 6 months 😳
You aren’t alone! This year has brought it all- illness, unemployment, uncertainty, anxiety, and, if you’re on the northeast, a storm which took down what feels like half the trees in Manhattan!
The storm that is 2020 may not have totally passed yet but as we all settle into our adjusted routines, it’s a great time to start getting finances back on track too.
If you’re like me, the anxiety created by putting something off can make it hard to ever pick it back up.
For the next week, I’ll be sharing one quick thing you can do everyday to feel like you are righting you’re financial ship independent of the waters around you!
Turn on post notifications to join along!
1 143 hours ago
It’s #thirstythursday hope y’all ready to drink cause @houseofafinancial is here with tea on becoming wealthy!! The link is in the bio she talks about knowing where your money is going, being responsible and more.
Never been that big on affirmations but if I'm gonna repeat a sentence in front of the mirror each morning, maybe it should be this
4 553 hours ago
July savings rate 💰
Saved more in July due to a bonus that came in at the end of June that I got to invest most of! ☺️
Context: SINK, 29, no debt, working in tech, living in a HCOL area.
1 133 hours ago
There’s a difference between trading stocks and investing in stocks. Trading is like dating. Investing is like marrying a stock: do your homework, only buy the stock of a good company & plan to hold it for a long time.
✨Are you on this cash flow hamster wheel? ✨
Everrrrry personal finance person under the sun is going to talk to you about cutting your expenses
Listen, I know cutting your expenses is important - but if it’s the only part of your money that you focus on….. Then I’ve got some bad news
You’re not spending your energy efficiently
I spent YEARS spinning my wheels on this part of my money. It can definitely make a difference for you. But, unless you have a surefire strategy and system behind your cost-cutting, most people burn out because they’re not enjoying the life that they’ve set up for themselves.
Here are common cost-cutting mistakes to avoid:
💰Set a limit 💰
If you’re cutting costs it’s for a PURPOSE and it has a limit. Are you cutting costs to make up for a specific $$ deficiency, like paying $300 extra on your credit card or getting your house professionally cleaned this month for $100? Make a specific goal and then staaaap there. A couple of months of focus should be all you need to move the needle here.
💰Focus on the BIG LEAKS, not small tweaks 💰
Think of your personal finances like a boat that you are making hella efficient.⛵️ If your boat isn’t sailing fast, don’t spend your time polishing the steering wheel if you’ve got a hole in the side of it (lol I don’t know boat parts, sorry). Stop focusing on the little areas that don’t matter (like guac upcharges) and focus on how you can get your transportation expenses down. Feel me?
💰Use value as your guide 💰
There is a saying in the personal finance space, “You can afford anything, but you can’t afford everything.” Loosely translated → you’ve got to put intention behind your spending choices. Ask yourself which of these expenses bring real VALUE to my life? Spend more in the line items that bring your life VALUE → if it doesn’t bring you value learn how to CUT or say 👋
✈️Travel is my area I’m not willing to say goodbye to. As a daughter of a flight attendant, wanderlust is basically a core personality trait. In order for me to spend more in this area (hey throwback photo of Ireland 🇮🇪 ).
FINANCIAL SELF CARE HITS DIFFERENT DURING A PANDEMIC⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
🎶 Last night we hosted our Rona Blues webinar and it was nothing short of AWESOME. What an incredible gift to be in a kind, supportive safe where people could share their financial wins and fears. ⠀⠀
💵 We also talked through financial self care and these were a few of the gems that I suggested people implement into their financial self care right now.⠀⠀⠀
🌍 It's a whole new world y'all- the goals and tools we had in January might not work the same in August. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
💕Being kinder than usual and implementing new tools is key to financial self care right now.⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
💕How are YOU practicing financial self care?
20 3374 hours ago
Tag your childhood friend👇😍
Having people that actually care about you is the greatest gift in this world 💝
🔔Turn on post notifications
7 2014 hours ago
ALMOST DEBT FREE! With my paycheck today here is my progress! $331.69 to save until I pay off my #StudentLoans . I will then be #DebtFree !
A side hustle can bring in some extra income to help pay down debt, save, or invest. Here are 30 great ideas for 2020.
Follow Me 👉🏻 @investorsupply for more.
37 1,58230 July, 2020
“What percent of my income should I spend on rent?”
Who am I, or anyone else, to tell you what percent of your income you should spend on anything????
I truly don’t believe in set percents. Anyone who takes a budgeting coaching session with me can tell you I don’t tell you what you can or cannot spend in any one category.
As long as you are achieving your long term goals and saving, any percent is fine. You can spend as much of your income as you want on anything, just not on everything.
It doesn’t make sense for me to tell someone who travels every weekend and loves to go out the eat to spend the same amount on rent as someone who makes the same salary but likes to stay home. Or two people who make the same salary but one has a child and the other doesn’t. PERSONAL FINANCE IS NOT ONE SIZE FITS ALL. 🙅🏼♀️
Meanwhile, my rent is astronomical even with a roommate but I find ways to make it work. I cut in other areas and I side hustle like crazy.
I also am constantly redecorating (this corner is new) and spending more money to make my house [apartment] a home. 🏡 Feeling comfortable in my home is important to me, now more than ever, and I’m willing to spend for that.
So think about when you want to pay off your debt, if you want to save for a down payment on a house, if you want to max out your retirement accounts, etc. and then plan your spending around those goals!
27 4473 August, 2020
“Oooh. You grabbed the name brand Fruity Pebbles. You must be feelin’ fancy.” - Joe
I accidentally grabbed Fruity Pebbles instead of the generic brand, which always tastes the same and is markedly cheaper. Food is my biggest budget nemesis — but I do know that buying generic is the way to go with most things. Often the products are made in the same factory and slapped with different labels — so definitely shop store brand over name brand, friends. :)
What’s your favorite cereal 🥣
64 28530 July, 2020
THREE things to IGNORE in life
1. Self doubt
🔑 You have to remember that no one has more leverage against you than YOURSELF.
2. Societal doubt 🗣 Throughout life others will try to talk you out of achieving your dreams. THEY may think it’s unattainable for you but that has nothing to do with your own DESIRE to make things happen. Be aware “The enemy works through the mind.”
3. Your current situation
🚧 Focusing on what is instead of what could be is the easiest way to stall progression.
56 5103 August, 2020
Love overload. When we support ourselves. We take care of ourselves. Love ourselves. We got ourselves covered. ✊🏿💛✊🏾
DOES YOUR BANK ACCOUNT ALIGN WITH YOUR VALUES? 👇🏻
If I looked at your bank account- what would I think you valued?
If you were to take a look at my bank account right now, I spend my money on everything you would guess…
💸 personal development (via books, journals)
💸 coaching (I have my own coach!)
💸 health (via supplements, gym membership, groceries)
💸 FUN STUFF
BUT if you were to look at my bank account in university you would see…
😅 alcohol (going out all the time)
😅 Ubers (to get home after said night out)
😅 obscene amount of clothes (so many unintentional clothing purchases- that I didn’t even really want)
😅 fast food (I love my A&W and random coffees @ school lol)
Now I want you to be honest with yourself for a second.
If I were to look at your bank account, what would I think you valued?
So many of you tell me that you want to become a better version of yourself, that you want to grow as person, but your purchases don’t reflect that.
Some of you may be feeling triggered here, but this needs to be said.
Your purchases speak louder than your words.
If you value your happiness- why are you spending zero money on the things that make you happy?
If you value your health- why are you eating fast food every second day?
If you value personal development- how come you haven’t invested any money into yourself?
SO your homework for today is to do a little audit of your bank account and write down the top 3 things you spend your money on.
Do those 3 things line up with what you say you value?
If your answer is no, you need to make some changes.
I am currently accepting ONE more client into my 1:1 coaching, Life Alignment University, where I will help you not only get clear on your values, but also align your bank account to match. Check out my stories for more details on everything LAU includes!!
This is an investment into your personal growth and happiness and I promise you will see a return on investment for years to come 💛
Link in my bio to apply ✨