I am so incredibly excited by how much we have paid off in 40 months! And no, that does not include a house of any sort.
We know the last "little" bit of debt will take us a while because we have decide to buy my parent's house and put Mauricio through architecture school. And honestly, we are okay with it, but there are days that I want to just transfer the money in sinking funds to pay off debt. I'm not gonna lie!
The timing of both of the house and school is not ideal but the opportunity is there right now and won't be there next year when we would be debt free.
Why would the opportunity no longer be there?
* #1 My parents are going into a retirement community for health reasons so they have to sell the house to have liquid cash to "buy in"
* #2 NOVA, where Mauricio is taking the undergrad Architecture courses (his under grad is in Criminal Justice so he needs the basic Arch classes for grad school) has cancelled the program that will feed him into a state architecture grad school. The good news is that they are grandfathering in anyone already in the program. The bad news is if he stops now he won't be able to be in the feeder program! So what started out as 2 classes to see if he liked Architecture is now a whole 2nd degree.
Since both will have a significant impact on our net worth in the long run, we are going ahead and doing them both now!
Sometimes things are not ideal and plans don't happen the way you think they will. That is just life. I'm gonna go ahead and roll with the punches! As long as the goal always remains the same we will get there... eventually.
Have you ever tried these @pixibeauty Glow Peel Pads??? They are a staple in my house-they help my dry skin stay smooth without any harsh textures or scrubbing. Available at @target!
1 72 hours ago
Have you heard about our completely FREE virtual summit happening this October?
It's a place where mamas, (well, all women, actually) can come together and talk about personal finance in a safe, intimate setting. The best part? You can participate from the comfort of your home with your messy bun on point and luke-warm coffee!
From career & business to family finance and investing & retirement, this summit will cover it ALL!
We have no shortage of INCREDIBLE speakers (over 40 of them!) to bring you the absolute best advice in the business.
Head on over to the #linkinbio to get on our waitlist and be the first notified of when you can grab your FREE ticket to the summit!
1 163 hours ago
Don’t give your money away ☝️💰 •
When I was young I spent a lot of money for things that I didn’t needed. I earned more and more money but I still haven’t enough money. Many people who haven’t money are saying that all their money problems would be solved when they get more money but this isn’t the truth. The truth is the more they earn the more they are spending away. •
A rich person is minimizing his expenses and it doesn’t matter how much he earns. Poor people are giving more taxes and spending more money away when they earn more and the reason for this is that they haven’t financial intelligence. As an example If you are earning more money then you have to pay more taxes, right ? Yes but only if you haven’t financial intelligence. The rich people aren’t paying the taxes, the middle class and the poor class are paying the taxes. •
Ugh...what a week. Mid-week blues are hitting us hard here 🙁. Guess it’s almost over.
Think it warrants a mid-week, money-saving bit of motivation, to get us through to the #weekend , so take a look at what @oprah says about getting through the week...okay I don’t think it’s the real Oprah, but the sentiment is meaningful all-the-same:
Be strong, you lovely, lovely people! ✌🏽😇🍰 P.S. we censored the screenshot, but I’m sure you all can fill in the blanks😇😂🤫
Every car needs maintenance so plan for it by creating a auto maintenance sinking fund and save money for your future auto maintenance so you have some or all of the money when it's time for an oil change, new tires, brakes, etc.
For more tips click the link in my bio @financialdemics to get more resources to help you reach your money goals.
3 234 hours ago
Our Autumn 2019 edition of Quids In!Magazine is available now by signing up to our readers club using the link in the description.
1 54 hours ago
Finally Prolific is picking back up again! Survey complete 👏🏼
Here are some of the deals I scored at Double Ad Wednesday at @freshthyme! The trick with shopping at FT is only buying what’s on sale in the store...I don’t buy anything that’s not sale price.
Who else hits up FT on Wednesdays??
1 234 hours ago
#ad How to Save BIG on a Tight Budget! Tap ➡️ @thefrugalgirls for link in profile to my Top 10 Foolproof Tips! I know how challenging it can be to stash away a stockpile when the bills keep piling up. However, these easy tips will help you jumpstart your monthly savings fast!
Here's what you need to do ->> https://thefrugalgirls.com/2019/09/how-to-save-money-on-a-tight-budget.html #thefrugalgirls
So the other day while I was doing my many many sums, working out my monthly bills, I decided to work out what I want to see in my future, debt free & no rent to pay. I mean, I'd say it looks a pretty nice! •
I love doing things like this, because it shows that there is something worth it in the end. Imagine what I could spend that £700 on 😱
Before you make that purchase be sure you understand the importance of interest rates. You could save yourself thousands. Thank us later! 📚📚📚📚
Don't forget to schedule your credit consultation today by clicking the link in the bio. We look forward to working with you!
The big topics in financial success. Making money, this is huge in getting started and gaining a financial structure that you can begin to work with for other endeavors. Keeping money, through minimizing expenses and utilizing your income, saving up money can begin to open up investing opportunities. Multiplying money, using the saved money, making the right decisions with it in order to make your money work for you, thus multiplying it.
These are common budgeting mistakes I would make in the past. 😱😱
1. No savings or emergency fund🌟
One of the main reasons my past budgets failed was because I didn’t have a savings to help build my income and because I didn’t have an emergency fund for unexpected emergencies. Because I didn’t have an emergency fund I would end up using a credit card which would blow out my budget every.single. time.
So, make sure to start a savings fund to increase your income and start an emergency fund to help with unexpected emergencies that may occur.
2. Guessing on Monthly Cost 🌟
A lot of times people don’t figure out the correct amount for expenses & bills and just put down a guess amount of what they think the bill will be for the next month. By doing this it doesn’t give you a final total of your monthly bills. Make sure to get exact totals for your bills every month.
3. Not Tracking Daily Expenses 🌟
One of the best way to blow out a budget is by not tracking your everyday expenses. Tracking daily expenses help give individuals an idea of what they are spending their money on and how to adjust it for the next month.
4. Not Factoring in Money For Fun Activities 🌟
In the past when I created a budget I wouldn’t leave out money for fun activities such as going out with my friends or date nights with my husband. This would cause a huge problem and leave me using credit cards.
To set up a successful budget make sure to budget in money for fun events and activities.
What budgeting mistakes did you make in the past? 🤘✌️
11 1236 hours ago
PSA: Christmas is in 14 weeks 🎁🎄⠀
That’s right, we’re already on the countdown for Christmas. (Is there anyone else that dreads it as much as me? It always comes soooooo fast and drains my bank account..) ⠀
To try to get myself (and anyone who feels a little scroogish) in the spirit I am doing a Christmas Savings Challenge!⠀
Starting today I’ll be saving $25 a week for 14 weeks = 💲350 for Christmas⠀
♦️ AUTOMATE YOUR SAVINGS⠀
We all have such awesome intentions to save money, right? But what 97.3% of us do is forget to actually transfer the money into savings. And then we spend it on tacos 🌮⠀
This challenge is all about automating it - make it easy! ⠀
You can easily automate your savings through online banking, just set it to transfer $25 a week to a specific savings account. (If your bank is still in the nineteenth century and doesn’t have online banking you can call ask them to do it for you.)⠀
♦️ FIND EXTRA MONEY TO SAVE⠀
I’ve had these boots in my closet for ~4 years that I only wore maybe twice ... I’ve never been a fan of selling my stuff because I always thought it was a hassle but I was like, why the heck not?? I’ll try it. And GUESS WHAT - they were sold in 3 DAYS! ⠀
There’s 1 week of the savings plan already funded. 💁🏼⠀
It’s a great time to purge your closets of stuff you’ve neglected for 5 years and why not make some money off it. I used Facebook Marketplace and it was soooo much easier than I expected.⠀
♦️For more deets about the Christmas Savings Challenge I wrote a post all about it that you can check out in the link in bio ⠀
I’ll be checking in every week to see how everyone is doing - get ready to have a funded, less-stressed Christmas! (Is that even possible??) ⠀
1 76 hours ago
Would it be OK to keep the compensation if an employer paid for the flight? ✈ #MoneyMoralDilemma
16 216 hours ago
Do y’all have a dinosaur obsessed kid in your life? @hobbylobby has the cutest room decor!!!
1 76 hours ago
200! 💁🏼♀️ 200 women following this page. 200 women generally interested in what I have to say. 200 women welcoming my tips, tricks, and financial humor into their feeds. Some of you are clients who have put your faith and trust in me & my office, and I can’t tell you how much that means to me. When you send a follower, friend, client my way, it’s the most certain form of flattery I’ve ever felt. Here’s to 200(0???) more! Thanks for the follow & most importantly the support. 💕 Xo
Double tap & follow if this helped! ~
It's clear that Americans feel unprepared for retirement. One ine three have less than $5000 in retirement savings, and one in five have no retirement savings at all according to studies. ~
Saving and money management is important in life as many don't see that. They look at the present time instead of the future. It can be easy but many make it hard. These are the amount of money you should have at a certain age including to financial experts.
Follow 👉 @representwealth
Follow 👉 @representwealth
3 217 hours ago
2020 might seem like it's still years away, but you guys… it’s not. Here are some ideas of places to check out next year. Link in bio.
1 147 hours ago
Managing a fleet of police vehicles can be challenging. In addition to ensuring vehicles are serviceable and efficient for officers, fleet managers are often tasked to finding ways to cut costs and inflate profits. How is this done? Here are five money-managing tips for fleet professionals:
▪️Prospect Alternative Fuel Vehicles
▪️Pay Attention to Payload Capacity
▪️Reuse/Transfer Usable Equipment
▪️Conduct Regular Maintenance
▪️Invest in Telematics
Learn more by visiting our website and reading our latest blog post (link in bio). Our blogs can be found under NEWSROOM>ANNOUCEMENTS.
1 67 hours ago
An easy way to save at least $144/year?
Order water when you go out to eat. If you go out to eat four times a month and order a drink at each meal, it would total up to at least $144 a year.
Isn't that insane?
Another way to look at this is: If someone told you that you needed to set aside $144 a year to spend on drinks and that made you want to laugh, maybe it's time to order that cup of free water.
Plus, I heard water is good for ya! 😛
With the Important budgeting method, you only need to track what needs to be! Things like rent, mortgage, phone bills, and other expenses don’t change and can be a waste of time to look at! Instead, only focus your attention among a few smaller categories and try to keep them low!💲💲
The categories to focus on are the ones that you have control over. You know your weaknesses and where you tend to overspend! This could be eating out, entertainment, shopping, gifts, and other categories. Make a goal for these, watch them closely, and make sure you stay on track!💲💲
This budget is perfect for people who don’t have a lot of time to track every single expense in their budget, but also don’t want to overspend either. It’s a good balance down the middle! You can’t overspend if you focus your time and energy in the areas where you are susceptible to overspending and ignore the categories that don’t fluctuate!💲💲
Questions, or thoughts? Leave a comment below! ✏️✏️
Like this post?
Follow 👉 @BudgetFirst
Follow 👉 @BudgetFirst
Follow 👉 @BudgetFirst
Images used in this post are taken and modified from all-free-download.com.
1 77 hours ago
Students get 6 months free Amazon Prime 🚚 it’s easiest to just search ‘Amazon Prime Student’ on Google and you’ll see it’s one of the top results. You’ll need your student email address 📝 #amazonstudent
Is baking your love language too? Are you freaking out about how much vanilla extract costs these days? It’s insane but here’s a work around. Buy some vodka and vanilla beans from Costco: initial investment will be around $17 for the vanilla beans and about $20 for the vodka. I know, that’s crazy - already around $37, yikes. But here’s the beautiful part - you can make around 4 containers of vanilla the size of the photo above for this amount which is about $9 each bottle! The bottles of genuine vanilla extract retail at Costco are in their $30s and are half the size of these (I reuse GTS bottles, they are HUGE). And you get extra vodka to drink. 👩🍳 Here’s the deets: open up two vanilla beans each, put them into the vodka fill jars and wait a few months, easy peasy. They’ll be ready for the onslaught of baking you’ll do in December and if you find some cute smaller jars, they make great gifts too (what I did last year). But do it now if you’re going to do it because they’ll be nice and infused by the time December rolls around! 🎄Day 260 of my #nospendyear#vanilla#getinmybelly
9 388 hours ago
AD: Got a new baby on the way or know someone who has?👶🏽 Nuby’s Little Fox range is adorable and affordable!🍼🦊
This is how you could start! 🔥
For sure you can't invest your whole salary right away. Because of that, you should calculate your money right at the beginning of the month. Try to save at least 30% of your money for savings to invest. Do this for a lifetime and watch your portfolio and your money grow 📈
Follow👉🏼 @investingtrees for more informational posts
Please share this with your friends, if this side has ever helped you out. That would mean a lot to me 🙏
Spending less than you earn goes again the current consumerist culture we live in.
A penny saved is a penny earned.
☝️Something most people can’t grasp in today’s world.
It’s because they rather spend to impress... Which is the ULTIMATE waste of not only money but also TIME!
Are you living below your means? If not, why is that? Share it in the comments! 💭
TAG a friend that NEEDS to see this! 👇
Rotisserie chicken is my number one go to for quick and easy meals! The great thing is you can buy a large one from Costco and stretch it into three meals. The trick is the remove all the meat off the chicken when it’s still warm then stretch it with other components of the dish.
Take all the meat, shred it and divide it into thirds. Use one third for a quick chicken noodle soup. Sauté 4 large carrots (Diced), 1 stock celery (chopped), 1/2 an onion (Diced) and 3 cups of your favorite noodles. Add your chicken and homemade stock and bring to a boil (Recipe for stock: Fill up a large pot of water and add celery, onion and a carrot along with your chicken carcass. Boil for 3 hours, strain and use for soup or freeze for a later time.)
Use another third to make quick chicken verde tacos. Just microwave your chicken with some jarred salsa verde and put into corn tortillas. Top it with your favorite taco toppings. .
And last but not least use the last third to make a quick and easy chicken Alfredo baked pasta. Cook 1 Pound of your favorite pasta, mix it with 1-2 jars Alfredo sauce, the chicken and 1/4 cup jarred pesto. You can add veggies of your choice as well. Mix it all together, top it with some Parmesan cheese and throw it under the broiler until the top is golden. .
Three dinners can be made out of 1 rotisserie chicken! The trick is to stretch the meal with other components like the pasta, taco toppings or veggies and noddles in the soup. Happy cooking! .
This is based on a family of 4.
47 63011 September, 2019
Small but mighty grocery haul for the week! Trying to work on cleaning things out of the pantry and freezer. My parents have a garden that they gave us a variety of cherry tomatoes and cucumbers to help with produce for the week. Also, if you don’t look for those $1-2 off stickers you are really missing out. Scored the Atlantic salmon for $3 after discounts and some good stock up on breads to go with meals. Overall spent $32 this week.
Meals for this week:
- grilled chicken w/ mixed green salad
- Spaghetti w/ meat sauce and salad
- Chicken fajitas
- Breakfast for dinner (eggs of some kind)
What’s on your menu for this week?
39 1,42225 August, 2019
Sunday morning Aldi haul! We didn’t need much this week so lots of fill in items and fresh fruits and veggies! Spent a total of $41.
Budgeting is an art that takes time to master and learn from. When it comes to knowing where your money is going, I always advise to track it on a weekly basis. You learn so much about your own laziness and unfortunately it does show itself in your budget. I take it as a challenge to get less lazy towards the end of the month. Those are the most dangerous days of the month when it comes to spending. Since you can easily say F it or accidentally spend more than you have budgeted. My husband and I work together to hold each other accountable and from going overboard on the laziness.
What’s your secret budgeting trick for not going over budget on the last week of the month?
Follow ——> @Poisedfinancelifestyle
Presupuestando es un arte que lleva tiempo para aprender y dominar. Cuando se trata de saber a dónde va su dinero, siempre aconsejo rastrearlo semanalmente. Aprendes mucho sobre tu propia pereza y desafortunadamente se muestra en tu presupuesto. Yo lo tomo como un desafío para ser menos perezoso hacia finales de mes. Esos son los días más peligrosos del mes cuando se trata de gastar. Como puede decir fácilmente F o gastar accidentalmente más de lo que ha presupuestado. Mi esposo y yo trabajamos juntos para responsabilizarnos mutuamente y no excedernos en la pereza. ¿Cuál es su truco secreto de presupuesto para no exceder el presupuesto en la última semana del mes?