Excuse me as I step on a few toes. 👀
Ok, ok. I can’t throw too much shade because I did it too. 🤷🏽♀️ ✨
You get so focused on grabbing the next dollar that you let your whole paycheck run through your hands. You must effectively MANAGE what you have now before receiving more because when you do receive more it will still feel like it’s not enough. ✨
Why? Because the behaviors are the same. ✨
Effective money management is a skill for every income level. You should not skip this step. ✨
God rewards what is done decent and in order, not confusion. ✨
Yes, get your money up, learn to invest, but money management comes first.
What are some ways that you manage your money? Let me know 👇🏽
10 4036 minutes ago
Our lives are made up of these tiny moments. Rewire what celebration means to you to find more joy in your every day.
Do you have more than one source of income?
If a change occurs that is outside of your control which makes you lose that one source of income. E.g. government shutdown, recession, company downsize or your department get outsourced. .
What would you do?
Diversifying your income stream will give you the security of knowing you won't be completely without an income. Even if your other sources of income can't cover all of your monthly expenses, it can still give you time to figure things out.
Episode 1 busts four money myths. Tune in to hear us chat about all things money and what you shouldn't believe!
1 72 hours ago
Welp! He said it not us...with the economic uncertainty that surrounds us, it only makes sense to park your greenbacks in a place of STABILITY and PROFIT potential. We like to say GOLD is insurance on our money for that #Justincase . Are you prepared for a possible storm? Could the stock market leave investors devastated? It has before and it could again. Are your prepared?
For more information on how to use gold and silver as a safegaurd for your money subscribe to our monthly newsletter at www.GCGOLDTRADERS.com Get Informed and Stay Informed about why you too should own precious metals!
Happy Hump Day! There are currently only 98 days until Christmas! Now, before you start making your to do list, let’s talk about the dreams you had for the year. Were you dreaming of buying your first home? Do you hope to upgrade your family home? Do you hope to have passive income from rental property? I’m here to tell you there is still time, and giving me a call today will guarantee you’re taking the right steps towards your goal! I clearly love coffee, so call me — I’ll buy you coffee and we can chat about your dreams! ☕️ 🍁 ... ☎️615.628.7086
Want to know the EASIEST thing you can do that will help you reach your money goals? READ ME 🤪
📌 If you’ve tried every trick in the book…
📌 If you’ve tried doing the most to set yourself up for financial success…
📌 If you’ve continuously found yourself doing alllll the things to reach your goals...
But STILL don’t feel like you’re making any progress… 😤
Here’s what you NEED to do:
💫 Do one thing EACH DAY that is in service of your goals. Just ONE. THING. 💫
☕️ Skip the Starbucks run and put that $6 toward your savings.
🌿 Do this 3x a week and you’ll save $72 each month. Do this every month and you’ll save $864 in a year!
🥙 Pack and bring lunch to work instead of spending $15 eating out every day.
🌿 Put this amount saved toward your loan payments and you’ll have paid off an additional $300 per month — that’s an extra $3,600 per year!
🛍 If you’re deciding whether you should hit up that “spend $50, save $20” sale… choose instead to take that $20 that you would’ve “saved” and put it toward your credit card balance.
🌿 Do that each & every time you get notified of a sale and your credit card balance will be $0 before you know it.
🌟 One SMALL change — each day — can have a HUGE impact on how quickly you reach your money goals. 🌟
BONUS for all my ambitious friends 😉: Once you get the hang of doing that one thing, add another small thing on top of that to double the impact!
BOOM. 🎤 (that’s a #micdrop , btw)
So tell me…
👉🏼 What’s a big money goal that you’re working toward right now?
👉🏼 What “something small” will you commit to doing each day to reach your goals?
Curious minds (AKA mine) want to know! 🤪
Ever heard of the term "Lifestyle Inflation"??
It simply means increasing your spending each time your income increases.
This especially happens when you move from being a student to an employee, or when you get a promotion that comes with a bigger paycheck.
There's no harm in increasing your spending where necessary, but it should be done with caution, as lifestyle inflation is one of the fastest ways to go broke.
Instead of always increasing your lifestyle spend with every raise you get, focus on increasing your monthly contribution to your savings and investments accounts especially as a young adult.
An Increase in income should be seen as an opportunity to get you closer to your financial goals not as an avenue to go on a spending spree or wardrobe/gadget overhaul🤣.
Don't let your lifestyle steal from you, curb lifestyle inflation today😇
Have you ever had a sudden increase in income? How was the additional income spent?
5 195 hours ago
I might actually be the only person in #NYC who does their own laundry… maybe? Comment below if you do your own or send it out.
It’s a huge thing here in New York because a lot of people don’t have laundry in their own apartment, or even in their building. There’s also a big convenience factor for people living the busy city life. Personally, 80% of my laundry has to hang to dry anyway (workout and work clothing) so I don’t see much of a point. Happy to take on opinions though, maybe I’m missing something?
Check in time! 🤑
If you are participating in the Sweet Money Challenge, we are in week 37 of 48! The challenge was designed to have $1,275.00 saved by the first week of December. The money saved could be used for a variety of reasons like Holiday spending, a trip, additional debt payment or just cushion to your savings account.
So here is where I am with the challenge and Friday I will be adding $49 to cover weeks 37 and 38.
If you are participating, how much have you saved? If you haven’t but you’re participating in another savings challenge please let me know which challenge and how much you have saved this year? 👇🏾 #debtfreechristmas
Are you saving as much as you should be?⠀
The bank account structure most people use makes it easy to spend, and hard to save. The people who are most successful with their finances do the opposite.⠀
A few strategies to consider to make it easier for you to save money:⠀
✅Keep your "fun" money in a separate account so you can see how much is "spendable" each month, and how much isn't. This could include a checking account (for monthly expenses like entertainment and restaurants) or a savings account (for more infrequent expenses like vacations and holiday gifts).⠀
✅Set up automatic transfers into your savings or investment accounts for the amount you want to save each month. You can always transfer money back to your checking account if you need it... but by "forcing" yourself to set it aside, you're way more likely to actually reach your savings goal.⠀
Start the week on a good note by making these simple changes to your savings habits. Your future self will thank you!
Having money solves a lot of problems, but it can also cause unforeseen issues. ✨We highly recommend reading “I’m Finally Making Money, But It Doesn’t Feel Great” by @charlottecowles for @thecut (link in bio)
11 2,5586 hours ago
For roughly 18 months, AirPods play music, or podcasts, or make phone calls. Then the lithium-ion batteries will stop holding a charge, and the AirPods will become unusable. They can’t be repaired because they're glued together. They can’t be recycled, because there’s no safe way to separate the lithium-ion battery from the plastic shell. So, when your AirPods inevitable die, you’ll have to chuck them in the garbage and they'll sit in landfill forever. And that's only if you haven’t lost them by the time they’ve gone dead. They’re so small they’re way to easy to lose, or accidentally launder with your clothes and break.
Of course, AirPods aren’t unique. Many of the products that we use daily were built to become trash. And this is, for sure, part of a wider problem (product repairability hurts the bottom line). But Apple has gone so far as to lobby against right-to-repair efforts and even collaborated with Amazon to boot iPhone and Macbook refurbishers off the Amazon marketplace.
We simply just can’t keep accepting and buying disposable electronics. We have to say enough is enough and send the message to big corporations like Apple that we want products that will last a long time, that can be repaired, that are sourced sustainably and ethically. So, don’t buy the AirPods, and more than that, write Apple and tell them why. #consciousconsumer#fightthesystem#corporatesocialresponsibility
6 546 hours ago
Working smarter, not harder. cc: a Starbucks chai tea latte with almond milk. •
Also, I setup a new online savings account in June. I deposited $5,000 & I checked last month & I already made $20 😩🙌🏽 New balance is $5,020!! I didn’t deposit anything additional during that time. When I say you are missing out if you don’t have one! •
Last month, I setup automatic deposits of $100 into this account each time I get paid. Watch what compound interest does by December. Update soon come. 😛 •
Again, work smarter, not harder. If you need help, visit thecapitalwoman.com for booking! 🧡
• 📸 @firstname.lastname@example.org
38 3687 hours ago
The average person uses 80-100 gallons of water a day. Utilities are the part of housing where we have the most control of. A mortgage or rent payment is fixed for the duration of your lease or mortgage, but utilities are directly related to your usage and your lifestyle (and also the price of gas, electricity, and water in your area). Here are ways you can save on your water bill-- link in bio!
1 87 hours ago
My day job is a graphic designer, BUT you don’t need fancy designer programs or expertise to create content like mine! 🎨
I almost exclusively design/edit on my phone— partly bc it’s annoying to send stuff back & forth from laptop to phone 💻📲 and partly bc I’m lazy (read: efficient). Here are my fave apps to make IG content with: 📷 VSCO • @vsco - photo editor
📝 Unfold • @unfold - text card/video cover-photo maker
🎞 Splice • @splice_app - video editor
🔗 Milkshake • @go.milkshake - link in bio generator
🗓 UNUM • @unumdesign - layout planner
For complicated posts I do sometimes take it into @photoshop and airdrop back the edits, but this is v rare. 🙅🏻♀️ Any apps you love that help make your IG content?
🍔Cheeseburgers are such an American staple! I love mine topped with melted pepper jack, then slathered with sweet bacon jam, and piled high with plenty of fresh lettuce, tomatoes, and pickles! 🍔With endless ways to make it your own, I'd love to hear from you: Who makes the juiciest, most satisfying burger in Nashville?
The FUN starts tomorrow!!! The BIGGEST WEEK of the year in my business because this is the week our corporate team and our 2 founders reveal to us what all they’ve been working on!! The new INNOVATIONS... The GLOBAL EXPANSION plan... The ENHANCED PROGRAMS and TOOLS they give us to run our businesses from the palm of our hands globally!
I don’t have to worry about coming up with any of this in my business they do it all for me and I just ride the coattails of these brilliant billionaire doctors who have done it before! #proactiv
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Good Morning! Wishing I was chomping down on some beignets but I guess a bowl of oatmeal will do. ⠀
Before getting out of debt, eating out was one of my biggest spend categories. I still eat out but I set limits for myself. Like recently I’ve been only eating out when John’s home. It give us time to bond. When he’s not home I make sure that I cook meals that I enjoy so I’m not tempted to grab a Poke bowl from Bowl Lab 😩⠀
💥Stunning selection of 1-5-bedroom waterfront apartments in Port de La Mer, Jumeirah with access to a marina and the beach. 🚩 La Voile, Its a right choice for you !
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When it's put this way, you start to realize the system is a bit flawed. You spend all your time and money pursuing a degree that will "guarantee" you a job when you graduate, only to end up taking a position in a completely different field because competition is stiff and it's your best bet after months of job hunting. 😩
Unfortunately, your story isn't unique. 🤷🏼♀️
Helping my clients ditch their debts (often mostly school-related) is the no.1 thing I do. My clients usually end up having to create their own job as entrepreneurs for the sake of putting that hard-earned education to work.
Now, in no way is this an anti-education post. I'm all for it! In fact, i absolutely love it, and if I could be a student for a living (and earn money that way) I'd be at the front of the line! 🤓
But experience has shown me that to expect a job in your field after graduation (that pays you well and provides you work-life balance) is kinda a crap shoot. You need to invent that perfect job for yourself and I can tell you, freelancing isn't easy.
Neither is paying down those debts, especially as an entrepreneur. 🤦🏼♀️
Luckily, I just so happen to relate. I get you. I appreciate your pains and that #strugglebus life. So if you're ready to #ditchthedebt and get your sh!t in order, let's chat. I'll make it easy, and give it to you straight. No bull. 🐂
dream big, but don't get lost in the sauce. Set yourself up for success with concrete goals and a plan. Not sure where to start? Set your goal and work backwards from there, but leave some buffer room just in case you need to do a side step or two along the way. #workwealthwellbeing
3 619 hours ago
Happy 34th Birthday to this boss side hustling mom! @millionairessmama
We finally met @finconexpo#fincon19 this year and it was just like reuniting with an old friend! She is definitely inspiring me to side hustle more!
So, Be sure to wish @millionairessmama a Happy Birthday and for fun- tell me what YOU want for your birthday this year 😊👇🏾
*New Podcast Episode* Creating Generational Wealth & Having Necessary Intergenerational Money Conversations with Duane & Taylor Davis of @DavisGenerationalWealth
Duane and Taylor Davis are a dynamic father and daughter duo sparking intergenerational financial conversations within families all over. They teach you how to make finances fun, while building wealth together, as a family. _______
Click the link in my bio @journeytolaunch to listen or search “Journey To Launch” on your favorite podcasting app (and wherever you listen, make sure that you’re subscribed! It’s FREE)
¿Cuál es tu idea de ser financieramente independiente?
Mucha gente nunca toma el tiempo de pensar realmente cual sería su vida millonaria.
Y es que el dinero es solo una parte de ello. Para una persona puede ser vivir viajando, para otra una tranquila vida en el campo, para alguien más poder pagar cenas en lugares sofisticados o ropa de marcas exclusivas.
Piensa realmente para que quieres ser rico? ¿Qué sería la independencia financiera para ti?
Haz de esta una práctica constante, en la que tengas claro en tu mente siempre el objetivo a lograr , no el dinero sino esa vida de tus sueños.
☝️Wouldn’t that be nice 😂💸🏡 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
It’s not all avocado toast and fancy coffees standing in the way of millennials buying homes like the headlines would have you believe... The economy and market is not what it once was which is why I’m thrilled to partner with @lexingtonlaw to share my top tips and hacks for saving for you first home purchase. I’m covering it all from timing, to credit scores, to things to consider about post-home purchase so you don’t end up house poor! Click the link in my bio 👉 @theconfusedmillennial