You know how blurry vision can make the simplest tasks 10x harder to do? You end up not enjoying that road trip, that movie, or that video game, because you get headaches or feel exhausted just by looking at it. You are compromising an otherwise enjoyable experience.
It's the same with your finances. Without financial stability, achieving your goals in life - doing what you want, buying what you want, going where you want - will be difficult. You work long, stressful hours to make ends meet, only to end up compromising your goals and your health.
Having a background related to Health AND Wealth, I am aware that many in the health care field, despite having respectable incomes, still find it difficult to achieve their financial goals. They don't teach you money management in med school, after all.
I decided to enter the life insurance business because I realized that strengthening your finances, like improving your health, is critical to enhancing your quality of life.
As your financial adviser, I can equip you with knowledge and security for you to live life on your terms. So, even when the unexpected happens, it can save your health AND your wealth.
I have clients who are just starting as health care professionals, and one policy can provide for them Php 6M in insurance benefits, on top of the cash values that accumulate over time from their investments.
Let me aid you in boosting your financial health. #drmoneywise
28s28 seconds ago
I’m sorry but I don’t even waste my time saving people’s numbers anymore, we’ll stop texting within 2 days either way
Who wouldn't want to wake up to this every morning! Well... Morning, midday and afternoon for us. 😂
I LOVE this!! 🙌
Last year I decided that I would buy a house before the end of the year. I set my intention, asked the universe, and waited, trusting I would receive.
The end of the year came and no house! 😫
What had I done wrong? Why hadn’t the universe come thru with the goods? I’d been able to manifest other things all year! Why not this flippin house?!
Then I realised, I had put zero effort into getting myself into a position to buy a house. I expected the universe to provide something I wasn’t doing any work towards. 🙄
This year, Mick and I are saving like crazy. We are working hard and spending little. As I watch our savings grow very quickly, I wish I’d put in more effort last year. Divine timing is a thing!
Are you putting effort into the things you want? Or do you spend your time dwelling on the things you don’t want?
Is your financial house in order?🤔 Use this checklist as your starting point✔✔✔✔. **Cashflow**
Are you maximizing your current cashflow? Do you know what you have coming in AND going out every month. Your cashflow is your greatest lever to accomplish your financial goals. Assess your outgoing expenses, determine what can you eliminate, reduce or pause. Create a budget so you can purposefully plan your consumption, saving and giving each month. **Assets & Liabilities**
Maximizing your cashflow first is going to allow you to build assets and reduce liabilities. Make a plan to eliminate your debt using a simple strategy like the Snowball or Avalanche method. Create sinking funds to build an emergency fund and save toward goals. **Protection**
Are your assets and income properly protected? Make sure you have adequate protection in place to cover and/or replace your income or property in case of a catastrophic event. Life, Property & Disability insurance are must haves especially if someone else depends on you. **Legacy/Estate Planning**
Make plans to leave an inheritance for your children's children. Create plans for your assets that will leave your loved ones with a leg up above the rest. Allow them to stand on your shoulders, by leaving not only a financial legacy, but a legacy of faith, wisdom, generosity and family.
https://soundcloud.com/detrich-swain I have a generation to lead, too many young black men are dying from gun violence. I can’t turn away like it’s not happening. My music inspires change and saving souls. “Black Creative is the mind, we’re giving sight to the ones blind” click the link! pic.twitter.com/XtvWUEW6UJ
안전진행 빠른입금 상상티켓：【 O1O-2138-66O3 】핸드폰 휴대폰 소액결제현금 it 핸드폰소액결제현금화 as 아이폰소액결재현금 failing 아이폰소액현금화 saving 아이폰결제 that 휴대폰결재현금 Having 정보이용료현금
1m1 minute ago
I'm raising money for Saving Haven. Click to Donate: https://www.gofundme.com/f/saving-haven?rcid=r01-158241344772-6fd09df81e4a4249&pc=tw_co_campmgmt_m&utm_medium=social&utm_source=twitter&utm_campaign=p_lico+share-sheet+exp4vb … via @gofundme
2 weeks ago
How you spend 💸 reflects what matters most to you! Do your spending habits reflect your values?
39s39 seconds ago
Jer attempts a DC 12 Charisma saving throw in the archivists' library. They roll a 22. What happens next? #dnd
Currently a part time #reseller while being a full time mommy. I’ve made $3,000 on Poshmark and Mercari alone. This is my hustle to get out of debt I currently have about 250 listings and am determined to get that number to 500. My overall goal is to be able to throw another $10,000 to my student loans this year. It’s one of the funnest businesses a shopaholic can have.
28s28 seconds ago
Who can put a price on life-saving technology?
1m1 minute ago
Universal Healthcare saves us 500 billion a year. 3 percent of the population getting life saving medical treatment is not going to 'sink' us. We're the richest country on earth, and legal immigrants pay taxes like everybody else. Surely thats a good reason to let more in yeah?
29s29 seconds ago
Without doubt the most important instItute in UK is the NHS. Many of us simply would not be here if it wasn't for the NHS.We must all fight to keep it away from ppl like #RichardBranson who simply want 2profit from those already receiving life saving care. #NHSMillion
On Sunday, I went grocery shopping without a meal plan and without a shopping list. Outcome? Double my normal grocery bill.
Honestly, I did it out of convenience. I was already running errands and I didn't want to go back to my apartment and create my meal plan and then go back out again.
I ended up spending $110 for one week's worth of groceries. Usually I can shop for an entire week for around $50.
After I did it, I thought to myself, "why didn't I just do Walmart Grocery Pickup after running errands and pick it up the next day." Like a lot of people, I'm at my worst when I'm shopping for food. If I don't have a plan, I end up with two bags of chips, some salsa, more snacks than I need, and a case of Pepsi.
I have learned that I do my best and I'm able to save the most when I do the Walmart pickup. It allows me to do price comparisons between brands, it forces me to have a list ready, and I don't end up wandering down the snack aisle.
ALSO, it is so so true. Going shopping when you're hungry makes things ten times worse. I went shopping after running errands on an empty stomach and my eyes were bigger than my stomach.
Have a shopping list
Use Walmart Grocery Pickup if needed
Stop buying Pepsi
Stick with meal planning
Do you agree? Do you spend more when you're hungry?
Paralympic champion Liz Johnson has scored an impressive hat trick: gold, silver and bronze at the Paralympics 💫. I spoke to her about retiring from sport, how her celebral palsy impacts her spending, and how she views her property portfolio as her pension pot. #guardian#finances#saving#uk
1m1 minute ago
안전진행 빠른입금 상상티켓：【 O1O-2138-66O3 】핸드폰 휴대폰 소액결제현금 to 아이폰소액결제 saving 휴대폰소액결재현금화 of 휴대폰소액현금화 shame 핸드폰소액결제현금 is 휴대폰결재 you 아이폰소액현금
Got my free scarves!! TY @sweet_deals_finder 😉 I always have notifications on. 👍
We all have ideal scenarios as to how our lives turn out. In fact, more often than not, it doesn’t work out that way. •
Many people have these idealized versions of what retirement may be like that justifies them not doing any saving for it. Sadly, this often is not the case. I use my experience working with a nursing home in this post to show what unplanned surprises retirement can bring and why it’s best to be prepared for them.•
Click through the link in the bio to read the story.•
How much do you give yourself for your cash envelopes? So far I have tweaked these every single paycheck!
Gas | $50
Animals | $50
Beauty | $60
Miscellaneous | $100
Fun | $100
Eatting Out | $40
Groceries | $200 (cashless)
The rest goes into sinking funds (savings for specific items/occassions)
LADIES! We gotta talk again. Are you watching out for YOU?
We spend all day every day taking care of everyone else – the kids, the pets, our families, our hubbies... everything! – but we forget that we have to take care of ourselves, too.
I was talking to a woman whose husband up and left. And with him went all of the money, retirement, assets and everything.
On top of encouraging her to get a good lawyer and fight like hell for the assets and for alimony, I asked her if she had any assets of her own. Any money in stocks, retirement, her own savings... anything? And her answer was the same thing I hear from SO. MANY. WOMEN...
... "I expected my husband to handle the money and take care of me."....
This story happens over and over again.
No one goes into a marriage expecting to get divorced. No one. But ladies.... we've got to take the reigns with our money.
And – let's be real – it doesn't all have to be the case of divorce... you still need to know about your money. Because in a marriage... it's "OURS" and not just "yours and mine."
This could be as easy to do as sitting down with your hubby and just saying "hey, let's talk about our retirement" or "are we investing anything?" or "where are all of the bank accounts and savings accounts located?"
You don't have to go in like the Spanish Inquisition like "and why do we have 18 bank accounts, huh!?!?!?" But knowledge is power. Just even KNOWING where the money is brings you to the table with the money talks.
Sit down and have the talk about where your money is with your hubby. Take part in this conversation. Because you matter, too.
Who takes care of the money in your house?
Let me know in the comments! 👇👇
it was a retelling of snow white but instead of the prince saving her from the apple, she was choking on it and another princess came and saved her. it was about a paragraph long but I was 7 and all here for #femalepower
Sinking Funds are a great way to save for planned expenses like Christmas gifts, vacations, or even bigger purchases like a car or a house down-payment,. The key point of sinking funds is that you are saving in advance of the purchase.⠀
It’s the way our parents used to save for things before the concept of charging it on a credit card or “$0 down, $0 interest” became popular.⠀
When I was little, I remember my mom tucking away money in a jar whenever she had a little extra cash. We went on a great vacation to Disney World when she had saved up enough to take us using the money she had saved. It took time and discipline, but I remember it so vividly. I think I enjoyed that trip more because I saw what it took to get there. ⠀
Whether you use a jar for your Christmas budget, an envelope to save for your vacation, or a separate bank account to save for your house down payment, it is a great way to plan for your expenses. The “where” you put the funds doesn’t matter; it’s about saving for your expenses BEFORE buying them.⠀
Note: Sinking funds should be kept separate from your regular savings because savings (and investments) are for long-term needs - mainly retirement. ⠀
Do you use sinking funds? If so, what do you use them for?⠀
✨Let’s develop some #smartmoneyhabits together!✨⠀
3 hours ago
Let's talk food ...
I'm very into using what we buy and aim every week for #zerofoodwaste - it doesn't always happen but we make an effort to use up everything.
🥡My go-to fried rice is a perfect example of how we use leftover ingredients to make a meal. Rice from my instapot (we used the other half for a mexican dish), leftover scrambled eggs from breakfast and a bag of frozen veggies became a meal to feed my whole family.
I've also been saving all my veggie scraps in the freezer. Once I had enough I used them to make vegetable stock. I then froze it to use in meals later.
What tips or tricks do you have for using up food?
"Buy what you use, use what you buy"
4 hours ago
⭐️Personal Finance Tip⭐️ Majority of people fall under option 2. Don’t be like the majority of people. You will thank yourself later.
Where are you in your personal finance journey? Are you starting your first job? Recent graduate? Making a decent living but feel like you have no idea where your money is going?
Regardless of where you are in your journey, a useful tool is a budget. A budget can identify shortfalls or surpluses in your cash flow. It identifies where your money is going and is a fundamental component for financial success!
If you think you need financial guidance, please contact me. Together we will implement a budget into your finances to help you achieve your financial goals!
2 days ago
𝐖𝐡𝐚𝐭 𝐈𝐬 𝐚 𝐌𝐨𝐛𝐢𝐥𝐞 𝐖𝐚𝐥𝐥𝐞𝐭?
A mobile wallet is a virtual way of storing payment information (like your bank account) that lets you pay for things just by scanning your device or mobile pay app on your cell phone.
𝐇𝐨𝐰 𝐃𝐨𝐞𝐬 𝐚 𝐌𝐨𝐛𝐢𝐥𝐞 𝐖𝐚𝐥𝐥𝐞𝐭 𝐖𝐨𝐫𝐤?
After you link the mobile wallet to a bank account, the virtual wallet will start using that account each time you make a purchase.
𝐄𝐱𝐚𝐦𝐩𝐥𝐞𝐬 𝐨𝐟 𝐌𝐨𝐛𝐢𝐥𝐞 𝐖𝐚𝐥𝐥𝐞𝐭𝐬 𝐚𝐧𝐝 𝐂𝐚𝐬𝐡𝐥𝐞𝐬𝐬 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬
• Apple Pay
• Android Pay
• Google Pay
• Samsung Pay
𝐖𝐡𝐞𝐫𝐞 𝐂𝐚𝐧 𝐈 𝐔𝐬𝐞 𝐚 𝐂𝐚𝐬𝐡𝐥𝐞𝐬𝐬 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐒𝐞𝐫𝐯𝐢𝐜𝐞?
Almost anywhere. The question here is more like: Where can I not use a cashless payment or mobile wallet? Seriously.
𝐀𝐫𝐞 𝐌𝐨𝐛𝐢𝐥𝐞 𝐖𝐚𝐥𝐥𝐞𝐭𝐬 𝐒𝐞𝐜𝐮𝐫𝐞?
The short answer? Yes. They can be even more secure than using a regular debit card out in the wild. The information is encrypted to keep it safe.
𝐃𝐨 𝐌𝐨𝐛𝐢𝐥𝐞 𝐖𝐚𝐥𝐥𝐞𝐭𝐬 𝐄𝐧𝐜𝐨𝐮𝐫𝐚𝐠𝐞 𝐎𝐯𝐞𝐫𝐬𝐩𝐞𝐧𝐝𝐢𝐧𝐠?
They can. But let’s make this clear first—using a cashless payment does not automatically mean you’re going to overspend. Who’s in control of your spending habits anyway? You are! So that means you’re in charge of making sure you budget and don’t go overboard.
𝐒𝐭𝐢𝐜𝐤 𝐭𝐨 𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭—𝐄𝐯𝐞𝐧 𝐖𝐡𝐞𝐧 𝐔𝐬𝐢𝐧𝐠 𝐚 𝐌𝐨𝐛𝐢𝐥𝐞 𝐖𝐚𝐥𝐥𝐞𝐭
𝐆𝐢𝐯𝐞 𝐮𝐬 𝐚 𝐬𝐡𝐨𝐮𝐭.
𝐖𝐞 𝐰𝐨𝐮𝐥𝐝 𝐥𝐨𝐯𝐞 𝐭𝐨 𝐬𝐩𝐞𝐚𝐤 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮!
22s22 seconds ago
The notes app has been saving me from cussing people out all week. When is mercury out of microbraids?
5 days ago
**CLOSED GIVEAWAY Congrats to @stephvalentine_21** In order to celebrate the huge announcement I have coming tomorrow on my Instagram, I have decided to giveaway a Purple Budget By Paycheck Workbook.
Trust me, you don't want to miss my post on Instagram tomorrow.
1. Like this post.
2. Follow @thebudgetmom
3. Tag 3 friends that would love to win.
Make sure you tag each friend in a separate comment for more chances to enter. Three tag limit.
Giveaway ends on Thursday, February 20th at 8:00pm (Pacific Time). I will be announcing the winner on Friday the 21st.
Feel free to share this giveaway in your stories. I would truly love and appreciate it.
This promotion is no way sponsored, endorsed or administered by, or associated with Instagram.
Open to anyone age 13 and older.
"the future of the country depends on people saving the Democratic Party from itself" is IMO a much more workable general election message than "the Democratic Party is not worth saving," and the distinction between these sometimes gets lost