This is how much money we make AFTER tax annually. I use these numbers because the amount of tax we pay doesn’t benefit us and our calculations.
8 3525 minutes ago
Budget for our next pay day. Going to try and stash as much money into our savings as possible and build our emergency fund back up. I needed to dig into it while my husband was off work and not getting paid for two weeks. He owes one dealer $80 this week and another one $80 the week after that.
Your only competition is yourself. You need to level up every year by increasing your expertise in your passion/purpose. The only way to become irreplaceable is to put in the work to improve yourself daily.
I received my pay this past week. After my credit card, the bond and 2 weeks rent (we moved in, yay!), and health insurance I was only able to transfer $500 into my savings. But all is well, next payday I’ll be able to put more into my savings 🤗
Been working on my budgeting and running the math at work (lol).. if my math serves me correctly my car will be paid off in 7 months or less instead of 12 😁 love looking at the numbers to remember why I work so hard..
1 132 hours ago
lendoso.com $1750 New dynamic name beginning with #lend: Lendoso. A payday loans company. A mortgage broker. A debt relief service. An app. A micro loans company. A consulting firm. #loans#brand#mortgage#debt#credit#cash
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Here's where we are with our energy usage right now. We are about £100 in credit but haven't had to put the heating on since late spring. I'm trying to go as long as possible without resorting to using the central heating and luckily the ambient temperature in October has been relatively mild, so it's been in our favour. Gas-wise we might be able to keep costs down if I keep batch cooking, and especially if we use the instant pot instead of the hob (it uses a lot less energy overall). Electricity-wise we are very good at switching off lights, but could switch off the telly more. I think one of our biggest energy eaters is the tumble dryer. It's about 20 years old and although at the time of buying was deemed pretty energy efficient, I think these days it's lagging behind in efficiency ratings. But rather than replace it and spend out for a newer model when ours is still working perfectly fine, I might just buy an indoor washing line to help get clothes mostly dry (we have a cold house, it takes forever to air dry in autumn and winter) before giving them a final tumble.
Thrilling reading, I know.
But this is where we are; trying to save pennies and pounds, and the planet whilst we're at it.
You did not wake up today just to be average. #letsgetit
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A few years ago, I could no longer picture myself trading time for money, feeling overwhelmed and tied to work 24/7, or coming home as an empty shell of a mom, stressed and exhausted. I felt the weight of student loan #debt and was searching for a way to do more of what made me #happy.
I thought I had to choose between work and being a happy and fulfilled mom. I failed forward in multiple businesses and felt lost. •
After praying hard about what was next for me, God gave an earth angel @angelikenorrie to show me a better way. •
She knew I was stressed financially trying to leverage my previous business online, but had no idea how it was taking a toll on my mind and body as an entrepreneur. •
She asked me what my ideal life would look like and what would make me feel happy and fulfilled. At that time, more happiness and joy in my life would be a clearer mind, resetting my body’s metabolism, more energy, less financial stress (I remember thinking it would be nice to walk to the mailbox or log into my bank account without feeling anxiety), more time with my girls and family, more impact in people’s lives and the ability to work from anywhere with little to no overhead (I eat my overhead 🤯), while traveling the world 🌎.
She told me about a vehicle and platform to make a difference in people’s lives and create freedom of choice through my own global, virtual health and wellness business. I was skeptical (I didn’t want to be a sales rep or distributor, stock inventory, be pressured into sales quotas or ever make anyone else feel that way) when but made a decision to give myself grace, while I learned this industry. What has kept me excited is teaching people about repeat income 💵 - doing the work once and get paid for it over and over and over again - and I did it with my girls by my side, because I was done missing life moments that I could never get back. •
What I didn’t know was creating a 7 figure online health and wellness business the last few years would NOT be the ultimate form of happiness. The end goal never is. 📸: @morgancruze@nickcruze ❤️
(Continued in comments👇🏻)
47 4042 days ago
College Debt... -
Currently the average college debt per person is more than $37,000. The total college debt in the US is $1.5Trillion. That’s massive!
College debt is the only type of debt that can not be forgiven, even if you file bankruptcy you are still liable to pay.
What do you think of the cost of college? Personally I went to college for business and decided to leave, I didn’t feel that I needed it.
If you’re going to be a doctor, a lawyer, or in another specialist field then I think college is crucial! Comment your thoughts below...
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Three words that capture the essence of our federal government... #COS
.. because they expired and replacements came in the mail. 🤣 Did I have some of you shook? Y’all know by now that I don’t follow any rules except ones I set for myself. When I paid off all of my credit card debt I promised myself that if I was ever charged interest on a card again I would cancel them. So far, so good! I use them for everyday expenses and all of my recurring bills that aren’t direct debit. That way it’s all automated and I never forget anything! If I find they’re affecting my spending to the point where I don’t meet my debt repayment or retirement savings goals, I’ll cancel them.. but for now I’m good! Do what’s right for you!