A Plain T-Shirt With A 6 Month Emergency Fund Is So In Style This Fall. Remember To Save And Invest On Payday. Get Intentional.
4 days ago
Listen, It's not often that I don't step out of the house at ALL but a few weekends back was a lock-in weekend. I had so much work to do, and my budget was tight, so I decided I wasn't going anywhere. I took the time to enjoy my home, and I ate the food in the fridge/freezer. I used the internet and electric that I pay for monthly and even turn the temperature down a bit .
I worked, I napped, I cleaned up, I Netflixed, I read, and I surf the web too lol. I also rested my body as it was sore and seemed a little banged up. It was a great weekend.
What I realized after that weekend was that by simply staying home, I saved so much money, time, and energy. Money that would have been spent somewhere, Gas that would have been consumed, time that would have been wasted, and energy that also would have been used up. I started off Monday with extra money in the bank, body healed, work done, and energy levels on high. It was a great start to the week and a great weekend to recharge all the way around. #paychecks2power
23 hours ago
🎶 Even when I'm crying broke.
Yeah I got money problems that's the human in me.
CHING Ching, then I solve em that's the goddess in me.
You could've had a debt free chic with a rental
Help you with your portfolio just a little
Even when stocks are down, they're not holding me back
And that's the sound of me growing my racks 🎶
I couldn't resist today! Happy HUMPDAY!
@trisha.rcer this is for you 😉.
👁Peek Into Our Budget! . . .
I’m totally happy to share with you guys how much we are spending. Why? Transparency only helps us all understand our habits better. We wonder whether our own spending is excessive, normal, or low. How can we know that if we don’t talk about it?
I’m sharing some categories today that I think you’ll enjoy seeing. *These numbers are for perspective only, not a suggestion.* This is what we spent in August. By the way, this is on the average/high side for a few of these categories for us. We weren’t super careful but we didn’t go nuts either. Each month fluctuates. This is normal!
We are a family of 5 (2 adults and 3 young kids) living in Texas. We own our home and my husband does quite a bit of driving every day right now, 1-2 hours. He also eats out a lot because he’s on the move every day after his 9-5 job working on another business we own.
The household spending includes those random trips to Walmart, Amazon, a couple small medical copays, library fines, etc.
Do you like seeing this peek into our spending? What did you learn?
Leave me a 👌🏻 if this is helpful and you want to see more posts like this in the future!
4 days ago
Time-blocking today in a way that makes sense for me. Instead of scheduling what time of day I will be doing these activities, I am creating visuals of everything I have to do. I can then pick and choose what hour long task I want to do, knowing I have to get to all of them today. This provides some structure and flexibility. Most importantly, it helps me change my mindset from: “this is a long list of things to do” to “I get to pick and choose the order of things I get to do today to help me start the week off on a great foot!”
5 days ago
I love saving my change.
I’ve always been kind of a change hoarder, but before I never had any to save. Now that I’m doing the cash envelope system, I get to save lots of change!
I am halfway to a full container since starting my journey in May! It’s so exciting to watch it fill up. And it’s my own little dose of ASMR to listen to the change drop when I empty my coin purse.
I always keep a separate coin purse, so that my wallet doesn’t get super heavy, but I like to have a wallet with a coin slot in case I don’t have the need to carry my coin purse for some reason.
I absolutely love how fun and exciting budgeting can be.
How do you track your change?
Container: Dollar Tree
1 week ago
The way this life is set up on the earth, you have to work consistently and for an extended period to get the results you desire. Don't believe me? Look at farming. A farmer has to do a lot of work before they can reap the benefits of the harvest. Famers have to prep the land. Plant the seeds, water and protect the seeds, water and protect the plants once they sprout, protect the fruit/veggies until they mature, and finally harvesting them. Depending on the produce being farmed, it can take more than a couple months of continuous work to finally get results. Farming is one of the most significant examples that I use when I am starting any project because it helps me remember nature's process.
I know so many that have aspirations to get in shape, eliminate their debt, improving their financial circumstance, or another area of their life. Yet they decide never to take action. We, humans, love the results that discipline and commitment bring to the lives of others, but it's tough for people to do the work necessary for themselves to achieve similar results. Why is that?
What is holding us back from achieving our greatness? What is holding us back from truly living our best lives financially, physically, relationally, spiritually, emotionally, socially, etc.? Interested in hearing your thoughts. #paychecks2power
We've said it once (or a few times) and we'll say it again. BUDGETING IS STEP ☝️ when getting ready to buy a house! 📝🏠
Adulting 101: track your spending. Once we start becoming "adults" and making money, it feels GREAT to be able to go out and spend it on all the tacos & tequila that make our little hearts happy. And you should totally do that! Just maybe a couple nights a month instead of a couple nights a week.. 🌮
Luckily, we live in 2019 and there are so many budgeting apps & programs nowadays that can truly help you track your spending without sitting down and going through your transactions via spreadsheets (like i've been doing for 4 years now).
I've recently been using @mintapp for personal spending and @quickbooks for business spending and it has changed my life! 🙏
How do you track your spending?
3 minutes ago
I remember back in the trenches of paying off my student loans I thought I would NEVER be finished. I felt like I was making all these sacrifices for no reason, like I was going to be broke forever, like I was 57 miles behind every single one of my peers financially.
Crazy to look back and see how far I’ve come. (I never know how to refer to my financial history/former net worth because now I am part of a “we”—but at that time in 2015, years before Darren and I combined finances, my bank account was very much on its own.)
Also, want to know what the most transformative part about this whole thing has been? Nope, it’s not the fact that I can afford to splurge on a vacation once in awhile or keep up my multiple lattes a week coffee habit. It’s how f*%$ing freeing it feels not to have six figures of non-mortgage debt crushing my spirit into the ground.
Where are you at in your debt free journey?
The way you think about money is a huge determining factor in how successful you are in your financial life. In today’s video, I talk about 5 positive ways to look at money and ways to reset your mind when those thoughts are negative. Start evaluating and changing your money mindset!
Check out the link in my bio!
Somewhere along the way, our paths crossed.⠀
You might have reached out to me and said…“Hey Allison, I need help setting up my budget. No matter how hard I try, I can’t seem to make it work.”⠀
Or maybe you said, “Look, I struggle with overspending and I can’t seem to gain control over my money.”⠀
Although those were your words, deep down you were feeling stuck. And behind those words, you were really saying…⠀
“Help me. Help me learn how to make this budgeting thing work not once, but all the time. I just need someone to walk alongside me and show me the ropes. Heck, I need someone to tell me to actually make dinner instead of grabbing food on the way home. I just need help.”⠀
And to that I say…“I’m here. I’m ready to sit down with a cup of coffee and be your accountability partner. I’m ready to help you get organized and stick with a plan. I know you might know how to start...but I’m here to help you with the hardest part...living out your budget.”⠀
That’s why I’m launching the Inspired Budget Inner Circle. And guess what….it’s OFFICIALLY OPEN and it’s time to join!⠀
I want to invite you to learn more about the Inspired Budget Inner Circle. I'll be going LIVE tonight (Thursday at 8:00 pm CST) and on Sunday! Also, you can click the link in my bio to learn more!!!⠀
= = = ⠀
Have you thought of doing a zero spend day?
As well as helping you save money, zero spend days (or weeks) can also help you strengthen your mind and build good habits when it comes to parting with your hard-earned cash.
Look to make the most of what you have – raid your cupboards, use up what's in your freezer and sign-up for free activities. Check out @Mamafurfur for more hints and tips on how to go a day or even a week without spending money.
15 minutes ago
Budgeting may not be the answer to your personal finance problems, there is more. Like this post for learning something new. #MoneyThursday⠀⠀⠀⠀⠀⠀⠀⠀⠀
From my personal experience, I have tried budgeting and tracking my expenses but that has been futile. Some days I forget, things come up and the worst part is when I feel guilty for not sticking to my budget. Those experiences prompted me to think about my relationship with money and I found a solution.⠀⠀⠀⠀⠀⠀⠀⠀⠀
The answer was mindful spending. I threw out all the budgets and personal expense trackers and made up my mind to be responsible for my spending. Mindful spending according to @cbc, is feeling good about what you're spending money on. It's about knowing what your goals and values are and making purchases in a way that aligns with them.⠀⠀⠀⠀⠀⠀⠀⠀⠀
This shifted my relationship with money to a very positive and fulfilling one. I get to spend money on things of meaning and value in my life. It is not about the price tag, it is about knowing whether what I want to purchase is a priority or not in my life. What value will the product or service be of benefit to me? I, therefore, have to really need something in order to purchase it.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Mindful spending helps you save and become intentional with your life. There is no longer a 'pinch' when you spend, it feels beautiful to acquire something of value. This is something I wish many of us would discover and apply.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Becoming a mindful spender is a process that takes time and a few steps. We shall discuss these steps in the next post on #MoneyThursday. Comment below if interested.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Did you know 93% of people with a budget tend to stick to it? It can be a lot of work, but it has its benefits! Budgeting allows you to see a “big picture” view of your finances and enables you to figure out your long-term goals. Having a budget can help you control your money better, stop you from overspending, save money and reduce financial stress. #financialempowerment#povertyreduction#budgeting#savings
21 minutes ago
Here comes the philanthropist!⠀
#BillGates donated $35,000,000,000 in the last year and lost $0 from his personal net worth.⠀
How, you may ask?⠀
Well, it’s all because of investments.⠀
He invested 60% of his $16,000,000,000 in liquid cash into stocks and made back all of the money he donated.⠀
This is the best way to help the world if you ask me.⠀
Stay just as rich as you are and make others richer.⠀
23 minutes ago
Students shouldn’t have to worry about printing costs at university. Cartridge-free printing could help them save up to £1,000 in ink costs.