Nowadays, I try to carry less. I like how guys can carry a wallet and phone. Since women’s clothing do not have large pockets, I have been wearing a jacket with zipped pockets.
Price indicates cost of item. We know how much an iPhone cost ><. Good thing I am not into tech & its constant upgrades. I use my electronics until it stops functioning.
Anyone else do jigsaw puzzles at this time of the year? It’s one of my childhood memories having an ongoing jigsaw puzzles in December. Happy memories.
If you do puzzles, do you work by color, from the sides in or just randomly?
I would love to finish this up this weekend because I have some special ones to do with the grand littles when they come next week. Anyone want to help?😉
How are you doing financially this month?! Things are going VERY well for us. We're still in the green in every category, so that's nice for a change! 🎉
We don't have any major expenses or planned purchases for this month, so we should be able to get to the end of December without going into the red in any categories. 🙌🏽
(@Goodbudgetapp is what we use to track our digital envelopes)
9 1362 hours ago
To everyone who’s been shaming themselves for past mistakes, engaging in negative self talk, and fighting a battle against their every impulse:
You are not the enemy.
Stop treating yourself like one.
You will be AMAZED what you can do with a little self love, a little forgiveness, a little understanding. Instead of fighting yourself you can focus on growth. 🌱
3 1722 hours ago
I’m staying in tonight having a Money Date with myself and my finances. It’s an idea shared with me by one of my business coaches, Rachel Luna, in a course I took from her about this time last year. I loved her suggestion! For one thing, it’s smart. But it’s also a lot more fun to have a date with yourself and your money, instead of just “budgeting”, “paying bills”, or any other negative association you may have with money.
So I got cozy and festive wearing some Christmas pajamas (yup, it’s only 7:30pm), lit a Christmas candle, put a Christmas movie on my circa 1990’s TV I had in college, pulled out a notebook I got from @saddlebackchurch (I love attending church services here when I teach in Southern California), and am enjoying some hot cocoa in my Prancer mug while I dive in. 💵💕❄️⛄️ I hope it may inspire you to do the same when working on your financial goals!
3 202 hours ago
What a ride this has been! New name, new logo, same mission!
Helping you get your life back, build wealth and make a difference! Now, let’s start making personal finance make cents!
#savings are piling up
a few weeks ago I started looking for ways on how to save more #money on #gasoline
we decided to go with the #fuelrewards program from @shell because we have a gas station close to my house.
As of now, it’s going well. I’m still exploring other options.
This is why I have been quiet on instagram lately!
We've been casually looking at houses for a while now. We saw this one house that ticked all our boxes. The viewing was on a Saturday and on the Tuesday we decided to call for a second viewing only to be told it's sold! What - we didn't even get a call first. We wrote an email saying let us know if it falls through. Then that's what happened. The other buyers couldnt get finance and on Friday we got a call saying it was back on the market.
We went for a second viewing put an offer in and a bit of back and forth and we have an accepted offer! Sign the contacts on Tuesday and we're still sorting out our finance but looks like it will be fine (our contract will be subject to finance). So not 100% there yet!
So excited and so nervous! I'll make another post explaining what our plans are for our old house (we're not selling it).
Anyone else still shocked about (and mourning) the new data showing an impending global warming crisis by 2040? 🌎🌍🌏 Our hope is that our passive income stream will allow us to be part of the solution beyond what we can do as individuals. 🌱 But the data is just so scary 🌳🌲.
You can have ANYTHING and EVERYTHING you want!
Growing up with four other sisters, my parents were cautious with where their money went. They had to make trade-offs from deciding which of us got braces from who got to join club soccer teams and who didn’t. They loved us dearly but there simply wasn’t enough money for it all. 🙅🏻♀️🙅🏻♀️
This taught me two things:
☝🏼Money is a scare resource
✌🏼You can’t always get what you want
This turned into resentment and insane jealousy toward others who did grow up with more money.
After going off to college and meeting people from wealthier families, I remember being so flabbergasted hearing their stories of how my new college friends grew up.
“Your parents paid for your entire vacation to Mykonos?!”
“Your dad bought you an Audi for your first car?!”
“Your mom exclusively buys groceries for the family at Whole Foods?!”
The madness! The utter shock! I couldn’t believe it!
These days, I’m learning to rewrite my money story and choose to not have these feelings of jealousy, because guess what, I CAN HAVE IT ALL TOO, and so can you!
Growing up I wanted money for all the things I didn’t have and the vacations I couldn’t go on. Today, that has turned into a desire for the FREEDOM that money can bring me. Freedom to choose how I spend my time and where I work. Freedom from the stresses that scarcity puts on the brain. Freedom to live however the hell I want!
What would you do if money wasn’t an issue?? Comment below friends!!❤️💸
Achieving financial independence is an admirable goal, but very few people know where to start. If you're starting to take steps towards financial freedom next year, follow these tips for setting financial goals in the new year.
2 766 hours ago
Mr. Money Mustache is one of my favorite blogs. The blog goes into details about how the author has become financially independent. There is so much useful information on this blog but where to start? On my website
I link to some of the post that I have found most useful. Check it out!
1 116 hours ago
Do what makes you feel good... when I am a bit sick or not well, I notice that taking a shower, getting dressed up, doing my hair and my make up will always make me feel better!!
Other things that uplift me as well, is reading a good book, listening to a good podcast, even watching funny movies. Exposing myself to things will change my state of mind and will give me that extra push to be myself again ❤️
Today, I was reminded of how blessed I am to be part of this community of ladies that genuinely want to help you and just make you feel better! I know I am not alone and that like my mentor mentioned, this is only a season. It will pass and I just have to continue pushing, and continue being myself. I am in love with what I do, being an online coach and helping other women find that same empowerment and that strength within themselves, is what makes me thrive! .
My next challenge will start in January, so if you’re interested in joining a great community to keep you accountable and motivated, let get you set up now! This will of course include:
DM me today to get more details!
🗣️⤴️ Élève ta moyenne et fais de ta vie un rêve, et d'un rêve une réalité 🎯✔️
Ta vie t'appartient!!! ❤️ Plus d'argent ? 💵
Plus de temps ? ⏰
Répond en commentaire et si tu veux une solution envois "moi je veux changer de vie" à [email protected] Tu recevras un lien pour visionner une vidéo explicative de 4 solutions pour avoir plus de temps ⏳ ou plus d'argent 💵 •••ROUTE ROYALE VERS LA RÉUSSITE•••
There is a light at the end of the tunnel after a year of gazelle intensity! We are almost at our goal pay down for the year, and I was so exited to see we have paid off the first fourteen years of our mortgage amortization schedule this morning!🙌 It has been a year of saying no. As I type, I'm sitting on a couch which has seen better days. We've pulled our kids from all extracurriculars except violin. We stay at home A LOT, and I've begun to see how beautiful a simple life truly is. I'm so thankful that the Father has helped us along on this journey. Contentment is key! Debt = risk, and the less risk on our plates the better.💛 EDIT***Only 15 of the 168 interest payments were paid since we sent extra $$ directly to the principle. This is part of our "why." We have saved so much money in the long run by doing this! The interest payments at the beginning of a mortgage are huge!
193 35069:10 PM Dec 7, 2018
There are so many benefits of being debt free but your financial goals should not end at debt freedom.
You'll gain financial security and freedom to do what you enjoy.
You'll have less bills to pay and more income to direct towards other things. If you get a raise, guess what? That money now belongs to you and not a creditor.
🤯➡️This is just based on our highest monthly minimum payment total not all of the extra payments we threw to debt over the years. Of course it's easier to pout and wish that we didn't have debt to begin with, but we did 🤷🏽♀️.
The changes we made in our mindset, spending and priorities will set us up for a better future 💙 and I'm so grateful for the lessons learned 🙏🏽.
Those Yeezy shoes and designer belt look cool until you see your bank account balance. "Rich" people wear designer clothes and drive fancy cars. Except they live paycheck to paycheck. Wealthy people look like your everyday person except they live within their means.⠀
Link In Bio To See Why You Should Be Wealthy and Not Rich 🔑
Make sure to put more energy into the things that really move the needle.
You've got a lot or busy work that needs to be addressed, cleaning, cooking and eating take up lots of time. When you get to a certain level of income you should get a chef and housekeeper to handle small stuff that takes away your valuable time.. Great post by @financeandfreedom
BROKE is a self-inflicted action that can be changed IF you change your money spending habits. Being broke means you make decent money, enough to live comfortably, but you can’t afford to buy everything you would desire or your budget is jacked and you’re living paycheck to paycheck. Being in massive debt just adds to the self-inflicted wounds of being broke.
When I was in college, I was BROKE. I wasn’t poor. I chose to be broke during that time to get an education. I struggled intentionally without borrowing unnecessary debt. At times it was rough, I had to make tough financial decisions. But it was a CHOICE. The opportunity cost of college meant sacrificing some income.
Being broke is temporary. If you are broke for long periods of time, it is because of your decisions to not be better financially. It’s a mindset. Being broke is keeping up with the appearances of being “normal.” That’s why I said I don’t want broke friends. We must elevate each other to make smarter decisions for our future. Broke friends always spend and our mindsets are so different because we no longer look at life the same.
Poor means being caught in a cycle that is hard to escape no matter what you do or how hard you work due to little help, usually born in to. It means you are struggling for the bare necessities: food, shelter, heat and your income is so low.
Calling yourself poor is OFFENSIVE when you’re not. You’re struggling because of your decisions. I know several folks that I personally love living in actual poverty.
Black and Latino women make up the majority of the working poor. That’s why I go so hard because stats say I’m more likely to be in poverty than graduate college. This is bigger than I am. Who do you fight for?
9 13212 hours ago
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