Did you know?
You don’t need to have a lot of money to get help with it.
The women I work with are just getting started building their wealth (and some of them don’t even know it yet).
They waited to make more money, assuming their money problems would be resolved with a bigger paycheck...
But their money problems only got more complicated.
If you don’t know how to responsibly manage your money, a bigger paycheck only means bigger problems:
🙅🏻♀️If you don’t align your spending with your goals, it will increase every time you get a raise or a bonus.
🤦🏻♀️If you don’t know how to save money, your bigger paycheck will never mean more wealth.
🙇🏻♀️And if you don’t know how to stop making the same financial mistakes you’ve always made, more money will always mean more debt, more guilt, and less freedom.
So that bigger paycheck came ... and so did more money stress.
They finally hit a wall: “Where is my money going??” “Why can’t I afford to do more with my life??” “How do all of my friends have money to do the things they want??”
And that’s where I come in. 🙋🏻♀️ I answer those questions and more.
The best advice I can give you is to stop waiting for the right time to get help.
Wherever you are financially, if your money is stressing you out - that’s the only sign you need. Big paycheck or little paycheck, your troubles will be the same. And I can help.
DM me to get started. @smartgirlmoney
Spend wisely, save regularly, invest intentionally and gain godly wisdom for your financial future.
We've put these affirmations together to help us get better at managing our money now so when we start making more, we know how best to maintain it & make more impact with it🙌🏼🙌🏾🙌🏻
This week, we're supporting Big Energy Saving Week 2020. To help our customers save money on their energy bills, we’re put together four key steps to getting a better energy deal, and a short guide about how to reduce energy consumption. To find out more, visit our bio link. 💡
It’s a good idea to have a financial roadmap that spells out things like your financial goals, expenses and debts so you always know where you are. A detailed plan can also help you stay on track with your goals, as you can check in regularly to see how your savings are going, and how any big expenses can set you back.
Last week we saw a drop in interest rates by 0.25%. Those with debt breathe a little easier. But don't fall into the trap of reducing your debt repayments unless its critical to your cashflow. The more you pay into your debts the quicker you reduce the term and the less interest you pay at the end of the day. The interest rate drop means that on a R1m homeloan over 20 years you will pay R165 per month less, or R40000 over the full term. Keep your repayments at the same level and pay off your debt quicker! You wont even notice that extra cash in your pocket, but you will appreciate eliminating your debt faster. #smartwoman#smartmoney#budgeting#payoffdebt#womenempoweringwomen#moneysmart#moneytips
0 022 January, 2020
Cash is always better , unless you have a card that does not charge you to swipe...Make better choices and save money this year. Let us help you, visit www.moneymaps.co.za
EEYY! Guess who just joined @skillpop as a teacher 🤗 I've completely revamped and am SO ready to crush all yo' debt 👊 Tell your family, bring your friends, we gonna crush all their debt, too 💥 Sign up at SKILLPOP.COM
Not in Charlotte? Invite me to your city! I will show up and kick your debt in its face! (can you tell? I'm hyped on Celine Dion, bubble tea and 🍫) #crushyourmoneygoals
1 1922 January, 2020
When are you planning on planting your oak tree?
1 1122 January, 2020
Face your fear and breakthrough...
Today take one of your fears and take action you'll see how great it feels.
Be smart NOW guys... give your children the life you never had growing up.
Stop getting pregnant and still going to clubs lol.. enough said lol
.Last one .. stop getting pregnant and expecting YOUR PARENTS to house and take care of YOUR CHILD.... but that could be a whole post in Itself.
One of my goals for 2020 was to regularly share financial tips based on our journey with our financial repair. If you are new here we used to be kinda a hot mess in the money category. 🤦🏾♀️ Weren’t managing our money right, wasn’t saving, lived paycheck to paycheck, and no solid financial goals. We were paying items at random, I was buying whenever I saw a sale (y’all it’s ok to opt out of a sale!), we were arguing over money. Just all a mess. Once we decided to turnaround our finances and put in the work it everything just started coming together. And eventually led to where we are now. 🙌🏾 I know so many ppl are in tough financial spots just because you don’t have practical tips or even seeing people that have repaired their finances successfully. I want to show y’all that if we can do it you can. I will continue to share our story in hopes it helps even 1 of you! I decided to start sharing on stories Financial Tip Tuesday where I will cover different topics and steps we took. ⭐️What are some topics you would like me to share! Comment below!! 👇🏾 Last week I kicked it off by sharing about our FAMILY BUSINESS MEETINGS. That is a time Rick & I have to discuss family operations. It allows us both to prepare. It doesn’t leave anyone feeling ambushed or defensive. It’s a safe zone to tackle our family operations. We cover:
1️⃣Budget check-in & bank statement review
2️⃣Align in family calendar
3️⃣Debt pay off progress update
4️⃣Constructively share anything that may need improvement
5️⃣Goals check in
❇️SAVE post to revisit. It has been key in allowing us to work together in peace and reach our goals! I just want us all to win! @liketoknow.it#liketkit http://liketk.it/2JnmY #mompreneur#momboss#moneytips#tarynsthrivingtips
144 1,83521 January, 2020
Welcome to the brand new distribution center & headquarters for The Budget Mom!! I'm so excited to share this with you.
For over 4 years, I ran TBM from the itty-bitty corner of my kitchen in my 800 square foot apartment. At times, it made my home life a little bit chaotic and messy, but I always made it work.
Bringing packaging, shipping, and distribution in house for my business was a huge leap, but ultimately it was something that I knew I had to tackle.
This means a whole bunch of new things for TBM.
1. We will now be able to hold inventory longer with our larger facility. It has been a goal of mine to offer my life-changing products year round.
2. We will be offering free local pickup for my readers.
3. Now, with a physical location, I can really start the negotiation process to decrease shipping costs.
4. I will be able to start the process of growing a much larger TBM team.
Over the last three weeks, I have experienced a lot of firsts. I drove a box truck for the first time. Learned all about commercial and industrial insurance. Figured out what a #2 Robertson Screw Driver was. Used a ratchet wrench for the first time, and so much more.
We will be posting any jobs that come available, and I will let you know when that time comes. I'm honored to offer more job opportunities in my city.
I will be posting a video on my stories here soon giving you a full tour of our new facility and the benefits this huge steps brings to TBM and my readers.
Thank you to Baldwin Signs here in Spokane for making me my first official business sign.
2020 is going to be the year of the house. 🏡 Now that I’m doing this solo, I am getting my butt into gear this year and I’m going to smash it out by the end of the year! Now I don’t have to compromise with another person on what/where we buy, I’m SO motivated to buy a little house out in the outer suburbs with a big yard and grow all my own food and fill it with secondhand furniture! #goals . There is a huge fire under me now to hustle hard this year!
I’m going to be very transparent now with where I’m at and the goal: as of right now I have $34,326.10 saved in my deposit fund (plus 10c in my new change jar 😜), plus another $4263 in an ‘emergency’/wisdom teeth account which, if neither of those happen, will also grow and can be used probably for extra costs with buying more than the actual deposit. I’ve been saving since round the start of 2016, at varying speeds. The plan, hopefully, is to have a 10% deposit, roughly $45-50k, by the end of the year, depending on how things pan out. I’ll keep ya updated!
⭐️ I had to move back home after the breakup, which was probably the best thing to happen to me for my bank account. Can hopefully get through the year rent-free, only paying for my groceries and petrol 😌
⭐️ I’m going super cheap, beans and rice vibes, for as much as I can this year, to cut my grocery bill. Experimenting with dried black beans this week! Keeping the food bill low!
⭐️ Generally spending as little as possible this year. Doing all the free activities!
⭐️ Taking all work opportunities - casual florist work, extra shifts at the store, 2-jobs-1-day as often as possible. Filling all my time with work! #hustlinghard
⭐️ Putting away at MINIMUM $250 a week, more as often as I can! Plus all tax return money, and bday and Christmas money, although those two are both v late in the year.
Any other ideas? Still following the #debtfreecommunity and #frugal hashtags all the time, and loving @the.brokegeneration and @smartgirls_finishrich as excellent finance inspo!
Be prepared for a lot of money posts this year because this is like my main/only goal, and I’ll be talking about it a lot 😂🏡
83 85321 January, 2020
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