Consider ditching cable and going for a streaming TV service. Your phone contract might be costing you big money, too. If you can get out of the contract and don’t mind a simpler phone, a prepaid phone could save you money.
Hi Guys, welcome to Infinity Legacy I am your diva Onica Marwane. I know most of you are probably wondering "what is Infinity Legacy?", well ask no more
Infinity Legacy is the zone were we bring you all the information, content that you need to know about the 4IR. Not only do we embrace this Revolution, but will be looking at new changes brought by this new era #4IR#investing#moneygoals
🔥🎤 I just wanted to check in and share some amazing RESULTS I found today in a monthly review for 1 client!!
✔ 37 REMOVALS! 🔥
✔ Buh bye student loans! 🔥
✔ 30 days!! 🔥
🔥 This could be your results...Let's enroll! .
Financial independence for me, is the point at which I can stop exchanging my time for money. The point where after years of investing, the growth could cover my living expenses and quite possibly my current lifestyle for several decades.
I drive an 11 year-old @honda that I bought used in 2010. I have an android phone that cost me $60 at @target . We sleep on a full size bed that was brand new, but gifted to us. Can we afford to upgrade on all of the above? Yes, but we rather invest and travel. The examples I listed above may be non-negotiable to you and that’s alright. But what is negotiable for you? (We never thought we’d be sleeping on a full size bed, but after a couple of weeks we realized it was fine and it was free!) Earlier this year we spent four days in Vancouver before hopping on a 7 day cruise to Alaska. I am writing this post from Killarney Ireland 🇮🇪 on day 5 of a two week road trip around the country. This two week vacation is the longest time off I’ve taken from work ever. That’s one of the reasons I’m on the road to 🔥! Being debt free, good wage earners, financial optimizers and travel hackers we are able to do some of the things we want. What we can’t buy is time. 🕰 Instead we are buying our freedom.
So yes, I am part of the #firecommunity . I don’t think I’ll actually retire in 10 years, or less :) But I am saving and investing so that work is optional and two week road trips 🚗 are the norm. *
We promote real results, real clientele .
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Credit consultations are $30
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Whooop whooop 🥳 We have been working so hard to get rid of all our debt and I am so happy to be one step closer to achieving our goal!🙌 We sat down to finalize our Budget for the rest of September and when we totaled our side hustle incomes for the month + our paychecks from today - our expenses = we had an extra $1,783.00❤️
Here’s what we decided to do:
$1,433 to payoff our Chase Prime VISA card🙌
$250 Extra to Discover Card
$100 Extra to Clothing Sinking fund (we’ll need winter coats for our kiddos soon)😱
It was a tough decision because I actually wanted to start our sinking fund for Christmas 🎅🏾🎄 but I think we prioritized pretty well!😂
❤️What are you saving up for? Do you use sinking funds?👇leave a comment to let me know😊
8 252 hours ago
🎯 I am constantly amazing myself at the AWESOME results I help my clients achieve!!
✔265 Points Increase! 🔥
✔ 31 Deletions! 🔥
✔ 30 Days!!! 🔥
🎯 Adding CONFIDENCE to your credit daily! Schedule your free consultation! Link in my bio!
This no spend week has been a total flop. Between unplanned Uber’s for work, random food spending, drinks and snacks at work, I have totally failed my goals this week. And left with less money in savings and prayers to get me through payday. This is me being 100% honest with myself. I know I can do better. I know I can say no. I know everything I’ve spent money on was NOT needed and I know I could have been sitting very pretty right now but instead I decided to be careless and irresponsible. And I’m calling myself out on it. I have 7 days until payday and thank god I have food covered, no late night shifts, and my emergency fund is still there. My goals for October are going to be much deeper. Goals that fix things on personal levels within myself. I can’t get mad at where I’m at in this journey if I’m doing everything to keep myself from succeeding. I know I could be a lot further but I’m not. Working on being more aware is forcing me to be stronger in changing mentally and emotionally. Breaking habits, realizing I’m holding myself back, and working to change. Baby steps mean a lot more then just financial goals. So today I’m making a pact to DO BETTER. BE BETTER. I’m starting with three things... 1. Saying NO to anything that isn’t working for me or my budget.
2. Just getting the shit done and not giving myself time to think to say no. Example-when my alarm goes off, just get tf up and in the gym. Don’t even give myself a second to not get up. Just get up.
3. Deeper planning of my days over the next week. Do this weekly and allot time for all my wants and needs around my personal life and professional life.
Less damn words, more actions. #budgeting#budget#debtfree#debtgoals#debtfreedom#debtfreecommunity#debtfreejourney#debtfreelife#debtfreeby30#actions#lesstalk#money#moneygoals#budgetgoals#sayno#igotthis#success#hustle#mydebtfreejourney#mydebtfreechronicles#mydebtfreelife#keepmovingforward
0 93 hours ago
A study by the Boston Consulting Group found that, globally, woman are more dissatisfied by the financial services industry than any other industry.
With such strong decision-making power when it comes to money, us women need to feel confident with that power so that we can demand the attention and service we need from the financial services industry.
What do you think? Do you agree?
September and October are busy birthday months for me. I am celebrating several birthdays with friends and family during these two months. 🎉
I love celebrating others people's special day with them. It makes me so happy! But there is no doubt about it, birthdays can get expensive.
One way I like to save and prepare my budget for birthday spending is to create a sinking fund. This means each month, I set aside a little money to put towards my birthday savings. 🎈
There's no need to bust your budget when celebrating a birthday. You can start saving up right away. I like using this printable savings tracker. ✨
If you're interested, you can grab your copy here: https://mintnotionshop.com/collections/savings-trackers/products/birthday-fund-printable
Are you celebrating a birthday soon? 😁
4 234 hours ago
There are many things I like to talk about or be involved in, however, if i were to list the top 5, money would make the list and that includes - understanding it, having it, growing it, managing it, etc.
Most of us young adults are scared to look at our bank accounts, talk less of engage in money conversations. However, this is the wrong way to go. We are genuinely convinced that it's too hard to become intentional with our finances and so we just coast along.
See fam, it is unwise to be passive about stuff like that. It only helps to perpetuate the poverty cycle. You cannot afford to be passive about your finances.
Blowing legitimately, hardly happens by chance. It takes intentionality, focus and careful strategising.
Money Matters with Mivida was put together to help millennial understand the basics of financial freedom and how to go about all them money ish stuff. Come and let’s talk about money in a fun, relaxed kind of atmosphere on the 13th of October.
Wr are bring a financial literacy expert and chartered accountant to answer your questions. You cannot afford to miss this.
Date: 13th October 2019
Venue: Ikeja, Lagos (exact venue will be communicated after registration)
Registration link: bit.ly/mividamm1
#repost@_kristhy 🗣🗣🗣 I DID IT! I’M DEBT FREE!! 🙌🏼🎉🎊
One year ago, I started my debt free journey to pay off my remaining student loans, credit card, and my brand new car (Total of $35K). In March, I finished paying off my student loans balance and last week, I made my last payment towards my car. Paying my car off FOUR YEARS in advance! The journey wasn’t easy. It meant saying no to things I would have normally not thought twice of. Every penny, every sacrifice, every conscious and intentional decision, and above all the discipline to remain focused; it was all WORTH IT !!!
Thank you to God and to the best support system I could ask for. ❤️My partner for life and the bestest friends❤️ They have each encouraged me, pushed me, held me accountable, and cheered on every little victory there was along the way! •
To think I’m not even 30 yet and I have no payments at all makes me ecstatic for what the future holds!
Payments and debt are normal, BE WEIRD!!! 🎉
• #DebtFree#DebtFreeCommunity#DFC#BabySteps#BS2#DaveRamsey#FinancialFreedom#MoneyGoals #Budget#EveryDollar#DebtSnowball#CashEnvelopes#DebtFreeScream
Being unprepared for a recession can severely impact your personal finances. Some major implications include job losses and unemployment, a drop in real estate values and the decline of investment values.⠀
However, regardless of whether there's a recession or not, life goes on and bills need to be paid. Here are some key tips:⠀
1. Bulk up your emergency savings: In a recession, having an emergency fund can save you a lot of stress and help you avoid becoming financially over-extended or having to leverage debt just to get by especially in the event of a job loss.⠀
2. Diversify your investments: It's important to have a well-diversified investment portfolio. That means your investments should not all be tied up in one stock or real estate property. Index funds and ETFs can help you widely diversify.⠀
3. Pay off your debt (Starting now): The last thing you want to do is worry about having to pay off debt in a bad economy, especially with increased rates of unemployment.⠀
4. Learn how to budget and live within your means: Your budget will help you track your expenses in comparison to what you earn and will highlight areas you can cut back on. Your ultimate goal should be to widen the gap between your income and expenses as much as you can (by increasing your income and reducing your expenses). ⠀
5. Create multiple streams of income: Creating multiple streams of income ensures that you increase how much you have coming in. And it also acts as a buffer in case you lose a source of income.⠀
6. Don't panic: Economies are cyclical. That means they go through periods of expansion and growth, as well as periods of decline known as recessions or depressions. If you have a plan for your finances you'll feel less impacted during times of decline.⠀
Join an epic community of like-minded women, take a course, schedule free calls with our mentors & turn your finances around! || CleverGirlFinance.com || LINK IN BIO.⠀