I mean FOR REAL!
🤔 So all these #sidehustles
have me thinking a lot about how it’s easy to be tired and exhausted after working IF...
💁🏾♀️ ...you’re not passionate about what you’re doing!
😎 I noticed the difference last night in the feeling I had when @nerdydani
and I finished a podcast!
😵 YOU GUYS... 30 minutes flew by like it was five minutes! 〰️ Could you imagine if that was our full-time job and we basically got paid to chat about life!??
💁🏾♀️ People actually do that y’all!! 〰️ All this to say... if you don’t want to hate Monday, if you don’t want to feel absolutely exhausted after a normal day of work... figure out what you absolutely love and GO and do THAT! 👉🏿 #SmurfitUP
Hi 👋🏼 I have been working towards a minimalist lifestyle for a while now and my husband has decided to jump on board - yay! 🙌🏼 We have two children, and can’t wait to see how actively decluttering influences our life.
“Seeing progress is the best and most addicting part of this whole journey.”-@brilliantbudgeting
Are you addicted to seeing your progress?
If that hasn’t happened for you yet, it is phenomenal motivation and it comes from YOU!
Seeing that YOUR EFFORT is making a difference gets you fired up to do more!
So track your progress on something you can see every day.
I’m partial to Debt Free Charts (obvs - link in profile) but ANY chart will help you! Just make one - TODAY!
When it comes to your financial future, you need clear, sound and holistic guidance that can help you prepare for your future. You also need product and service options that are suitable for your situation. You can find all of this at WFG - we call it the Power of Choice.
As a Financial Professional, I can help you reach your goals by showing you ways to build your savings and protect what's important to you, as you prepare for your future. Weather you're interested in life insurance, saving for retirement or building wealth, we have a wide selection of products and services from well-known Insurance and Financial services providers that can meet your needs. And if you're a small-business owner, you should know about our array of strategies that can Safeguard what you've built.
To learn about options that may be available for you start by contacting me today.
Cuando se trata de su futuro financiero, necesita una orientación clara, sólida y holística que pueda ayudarle a prepararse para su futuro. También necesita opciones de productos y servicios que sean adecuadas para su situación. Puede encontrar todo esto en WFG, lo llamamos el poder de la elección.
Como profesional financiero, puedo ayudarle a alcanzar sus metas mostrándole maneras de aumentar sus ahorros y proteger lo que es importante para usted, mientras se prepara para su futuro. Si está interesado en un seguro de vida, ahorrar para la jubilación o acumular riqueza, tenemos una amplia selección de productos y servicios de proveedores de seguros y servicios financieros conocidos que pueden satisfacer sus necesidades. Y si usted es propietario de una pequeña empresa, debe conocer nuestra variedad de estrategias que pueden Salvaguardar lo que ha construido.
Para conocer las opciones que pueden estar disponibles para usted, comuníquese conmigo hoy.
Being organised day to day saves time and keeps me sane! Here are some of my favourite tips...
✏️If it takes less than one minute to do, do it now.
✏️Clean out your bag every day when you get home.
✏️Put your stuff away. Clear space = clear mind.
✏️Don’t retrace your steps. If you know you’re going to one area of your home, take everything that needs to go there.
✏️Brain dump everything that needs to get done onto a piece of paper... then don’t guilt yourself if it doesn’t get done.
✏️Leave the screens off. They’re a time and attention suck. Stick to podcasts, music and audiobooks.
✏️Use one method of time management instead of having a bunch of things on the go. I just use the calendar on my phone so I can share events with my husband. I don’t have any other diaries.
✏️Minimise. Have less and you’ll have less to organise!
This is day 5 of my #DFCinstaversary
collab with @lifeasamumandwife.
We’d love to hear your answers! Please tag us!
With Christmas fast approaching, this seems like a good time to remember not to spend more than you have when buying gifts for family and loved ones 👍👍🎅🤶
It’s crazy how your life can change in a few years! A little over three years ago I sold a car I could not afford. And get this, I was upside down on it by ~$7,000. I went from not being able to afford my car and student loan payments, to being completely debt free and building up our emergency fund. Hands down the best financially decision I’ve made. •
I wrote a blog post on how I sold it while owing more than it was worth because there weren’t a lot of resources on how to do it! I know selling your car is a tough decision. I stewed on it for 7 months before I hit my second “I’ve had it” moment. After that happened, I didn’t care what kind of car I drove or the features it had. I just wanted it to be debt free. My trusty 2005 Honda Civic that I paid $5,000 for has been such a great car. If you’re in this situation, you may not be ready to sell your car. That’s ok! You can bookmark my blog post in case you ever change your mind. 🙂 Link to my post is in my bio. •
#debtfree #financialpeaceuniversity #debt #debtfreejourney #babystep3 #budget #zerobasedbudget #financiallyindependent #fire #frugal #savemoney #emergencyfund #sellthecar #upsidedowncar #bestfinancialdecision
The foundation to any financial plan, regardless of your situation, will always include a budget. Without accounting for the dollars coming in and going out, you cannot effectively create a true financial plan!
October Goal #2
accomplished! 🎉 I sold a watch and a pair of shoes on eBay for over my asking price! I can’t wait to dig through my drawers and closet to find more things to sell. 💸 Perhaps this is how I’ll fund buying Christmas gifts this year 🤔
Are you guilty of spending before earning? I'll admit that I used to be, credit cards, overdrafts, loans - they were all used to fund my lifestyle!! 🙈🙈🙈
Even losers can pay a price to win... but not unless they decide to.
What wealth habits do you have? Are you working on creating anything new? 👏👏
Emergencies are unpredictable and can’t always be avoided. An accident, unexpected job loss, or even a surprise home or car repair can derail your financial stability if you aren’t prepared. The size of your emergency fund will vary depending on your lifestyle, monthly bill obligations, family needs, or other factors, the rule of thumb is to put away at least three to six months’ worth of expenses. I suggest to put a small amount away each week to build up to that goal.
Las emergencias son impredecibles y no siempre se pueden evitar. Un accidente, la pérdida inesperada del empleo o incluso una reparación en el hogar o automóvil pueden hacer que tu estabilidad financiera se vea afectada si no estás preparado(a). El tamaño de tu fondo de emergencia variará según tu estilo de vida, las obligaciones de facturas mensuales, las necesidades de la familia u otros factores. La regla general es guardar los gastos por lo menos de tres a seis meses. Sugiero guardar una pequeña cantidad cada semana para alcanzar ese objetivo.
#finance #financetips #finanzas #financialtips #finanzaspersonales #personalfinance #instatips #instasavings #instamoney #income #presupuesto #budget #money #savings #ahorros #emergencyfund #incomesavings #lifestyle #wealth #ruleofthumb #life
Might ruffle some feathers on this one.
Adulting = 3 to 6 months of expenses in an emergency fund. Avg family income depending on the state $60k. 3 to 6 months would be approximately $10-20k in an emergency fund.
40% of US adults don't have $400 to cover an emergency 😲😲 #adulting101 #emergencyfund
Here is an example as to how I budget! Monthly and weekly snap shot!!!!!!
Start with household income, then subtract expenses, debt, investments (if applicable). I always included investing as part of my budget as I wanted to create a savings habit from day one!!!!!!
Put your questions in the comments and I will be as helpful as I can ❤️
I noticed that @debtfreeinsunnyca
started a trend by talking about Dave Ramsey's recommended expense percentages yesterday & I found her post to be so helpful for our personal finances. I started reviewing our expense percentages a while ago, but never really knew what numbers to aim for. ---
Our percentages above were based off of September's total income (when we had one less paycheck than expected). On an average, we're within the recommended expenses; however we lean toward the higher end, especially for rent & utilities (San Diego is no joke). I am happy to see that we're able to dedicate at least 31% of our income to sinking funds and debt payments each month. Visually seeing this breakdown just encourages me even more to find ways to increase our debt/ savings number. ---
What do you think about your monthly expense breakdown? 🤔 #expensebreakdown #payingoffdebt #savingmoney #emergencyfund #sinkingfunds #debtfreejourney #debtfreecommunity #budgetarian #budgetlife #planner #daveramsey #debtfreefamily #visualsoflife
We got this, y’all 🙌🏻 No budget is perfect (yes, not even zero-based budgets...) but keep at it!
PLEASE READ! Check out this article and you’ll understand why we’ve partnered with #votingrights
activists across the country to send handwritten postcards to 11K #NativeAmerican
households in #NorthDakota
telling them exactly what they need to do to get around this onerous law. We’re scrambling; it’s super last minute, and #time
is short. But a lot of #greatminds
are working on #solutions
, and with your help we can beat the #votesuppressors
again. Please make a #donation
to this #emergencyfund
if you can. Link is https://www.openprogress.com/op-contribute/ and we’ll put it in our bio too. Along with the link for this article. (Which is INFURIATING) Thanks! We can do this. In fact, we ARE doing this. #Fight #StepUp #VoteThemOut
Excited to announce I finally crushed this goal! 💪🏻💰
However difficult your current financial situation is, there's hope. Call us today and we'll find the best solution so you can recover from debt. #killen #bankruptcy #debtrelief
Be in control of your finances, don't let your money control and rule you - like if you agree with us 👍👍
Our cleaning routine 🛁 It usually takes me 45 minutes to an hour to clean the whole house. Occasionally I split tasks across days but because it doesn’t take me too long I usually let the motivation take me and do the whole thing.
🚽Kitchen - wipe down benches, stove and sink. Run dishwasher with white vinegar. Check for expired food in the fridge.
🚽Bathrooms - wipe down sink, mirrors, bath and shower. Put all towels in washing machine. Clean toilets and empty bins.
🚽Dust all surfaces.
🚽Bedroom - change sheets.
🚽Vacuum all floors.
🚽Steam mop bathroom and kitchen.
🚽Run load of towels/cleaning cloths in washing machine. Then sheets. Hang to dry.
I try to do deep cleaning tasks once a quarter... wiping down kitchen cabinets, cleaning oven, etc.
This is day 4 of my #DFCinstaversary
collab with @lifeasamumandwife.
Sneaky giveaway coming up tomorrow!
Soooo... I have a little secret about our emergency funds 🤭.
⬅️ swipe to the second picture 😬
Hubby and I started our debt free journey in September. But we wanted to start tackling debt right away that, we never started funding our "Emergency Funds". We jumped right into baby step 2.
I know, I know.. Dave Ramsey wouldn't approve! But we have such a small shovel that we didn't want to waste away months just trying to fund it! .
We're hoping Murphy doesn't hit us, but right before we started our journey Murphy hit us hard.
1. I was turning into a shopping center and I turned too early... my tire popped and had to be replaced. $329
2. We got a notice in the mail about a speeding ticket my husband got out of state while visiting his sister in Nevada. (We had forgotten about it 😑). $115
3. Our car needed oil change and all that good stuff and our complimentary service from Toyota was done. So we had to pay for extended service. $229
All this went on credit cards because we obviously didn't have the money for it. .
We're hoping to be able to fund our emergency funds come tax time when we get our refund! 🐖 .
Do you all have your emergency funds? .
#debtfreejourney #debtfreecommunity #debtfreenewbie #debtfreegoals #debtsnowball #teamsmallshovel #debtsucks #cashisking #debt #teamtinyshovel #cashenvelopes #daveramsey #daveramseybabysteps #babystep2 #emergencyfund #babystep1
After some contemplation, I changed my baby step 3 goal from $6,000 to $10,000. I’m better at sticking to one big goal at a time rather than multiple goals, and I already knew I wanted to get my emergency fund all the way up to $10,000 eventually so why not just go hard and get it over with?! (That sounds negative, but it’s not I promise!). Aiming to have this goal complete by February 1st!! Using everyone here as my accountability partners 😉 about 2.5 more months left in 2018..let’s give our goals all we’ve got 💪🏼 Also shoutout to @debtfreecharts
for this amazing chart! I have it hanging on my fridge to help keep me motivated!#debtfreecommunity #debtfreejourney #debtfree #daveramsey #babysteps #babystep3 #emergencyfund #debtisdumb #cashisking
Our puppy just kept getting worse and worse after he left the vet yesterday, took him back today... he tested positive for Parvo Virus... they are keeping him and hooking him up to IVs.... DEPOSIT OF $500!!! After treatment we will get the final bill 😭😭😭 Also our other puppy might get it, so she has an appointment today to get booster shots! 😭 The things we do for our dogs...💕