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Whether you're chasing some winter sun or nipping to a Christmas market for Gluwein and knick-knacks, make sure you've set up a Loot goal to help you put aside some spending money! ✈️
#saturdaymorning Don’t put off till tomorrow what you can do today.
Financial coaching services starting as low as $50. DM me or visit my website to schedule a free consultation to talk about your life and your money.
Headed back to the old stomping grounds for some #aggiefootball#gameday action today, but first it’s coffee and budgeting in the bunny slips this am ☕️💵🐰
I read the book The Millionaire Next Door earlier this year and it changed my entire mindset about wealth 💰 The funny thing about the affluent in America is that most of them are self made, and most of them are FRUGAL. I did not realize this before - I always thought the rich were kind of just born rich 🤷🏼♀️ But it turns out that for the vast majority of wealthy people in this country, their high net worth is attained and maintained by the classic values of hard work 😅, under consumption 🧐, and lifelong self discipline 💪🏽
No matter how much money we make, @mike_messina and I budget our money at the beginning of the month and then do periodic checkups each week to see how well we are tracking with our financial goals. This has become a cornerstone of our marriage because we work together to achieve more than we ever would independently ❤️ It may not be glamorous to sit there in your slippers and make a plan for each dollar, but is sure is effective 🔥💵 .
You don’t have to stay on an earn-to-spend treadmill of consumption to live a happy life, and in fact many experts would argue that if you live this way you won’t find happiness at all. If you want to live a life of financial independence I hope you aren’t too proud or too scared to take a good look at where your money is going 🤓 and get the right help if you need it!! ❤️❤️
Wanna have beautiful Christmas poinsettia this season but on a budget?
Create your very own beautiful flower using budget crafts from #M2ESukiStore !
DIY Tutorial :
✔ Crepe Paper, Green and Red
✔ Colored Paper, Red, Yellow and Green
✔ Thin Wire
Bili na mga suki and be creative! 😊
When your niece and nephew have birthdays only 9 days apart, you buy them one gift they can share #budget .... but seriously what happened to my squishy little babies??? Nehemiah will be 12 and Anabelle will be 9 😩 #old#coolaunt#stopgrowing PS my new favorite thing is signing cards “Aunt Shelby and Uncle Matt” 😁
Pretty bold statement… but is he right? I know @_markbolton_ is gonna love this one. 😂😁
I think it's a pretty good argument. Individually there's lots of situations both good and bad. But across the population it's pretty clear… Average debt is over $10k while at the same time a majority of people can't cover a $500 expense with cash.
I also see credit cards eating into if not all of whatever income you could use for savings. 15-20% savings requires a lot of focus. Its so easy to overspend with credit that the normally small margin you need to get ahead is easily challenged.
From a business perspective… WalMart for example makes it billions with an average of 20-25% in margin. They squeeze suppliers, have an army of accountants, negotiate, triple check, etc to make that happen.
Overspending on credit by 10-20-30 percent is easy. You don't have a spending budget? You don't even know what to measure against!
Be the CEO of your life like @beingdetermined says. Use a credit card if you like but it has to fit in perfectly with your budget. Perfectly!
How do you feel about credit cards?
76 5922 days ago
We've learned some money lessons the hard way -- by making costly mistakes. We want to share 8 of them with you, so that you don't do the same things. What's a money mistake you've made?⠀⠀
🍁Link in bio
Let's check in on November goals! I'm half way to my goal of cash flowing my $3,000 Kia. 🚗 I'm actually a little behind schedule, because my best friend came to Alaska to visit me, so I also cash flowed some fun tourist stuff for us to do, including this $13 dip in the hot springs. 🏞 I'm okay with it because I didn't charge ANYTHING. I used cash for all our fun, so I'm proud of myself for that. A year ago, I wouldn't have been that good. ✌ Makin' changes!
$42,722 paid/sold off - 70% complete with baby step two (pay off all debt except the mortgage.) 💲
$1,002 saved - 13% complete with baby step 3 (fully funded emergency fund.) 💥
I won't finish baby step 3 until I'm done with step 2, but I do keep $1,000 in my emergency fund for the time being, as @daveramsey recommends! 👍
(This app is called Bucket. It tracks your savings goals!)
“ I remember the days where I prayed for the things I have now” Author Unknown
You may have seen this quote circulating around online. Today as I was looking at my debt free journal entry, I could NOT stop thinking about it and it brought up a brand new way of how I prayed and my perspective on thankfulness, and being grateful for where the Lord has brought me over time.
All of a sudden, the things I was currently discouraged about quickly dissipated as I thought about where I was 4 years ago, and even two years ago. Here’s just a few things that came to mind:
4 years ago we had over $184k in debt and our marriage was hanging on by a thread. I remember not being able to sleep because we were charging groceries because all our money was going out to debt.
3 years ago, Rick got laid off and six months later, started working a job that he hated and I remember how stressed out he was. Yes I remember and I am so grateful where God has brought him.
2 years ago we still had credit card debt and praying that we would be able to send at least 1k towards our debt snowball.
Despite the current challenges we all face, Let’s look back on His past faithfulness in our lives to fuel our faith for the things we are praying for right now.⭐️