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  • Instead of “less is more”, try “less is better”.

Figuring out what is essential, and what is not.

Just because you are “busy”, does not mean you are “productive”.
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1️⃣ Make the time to think about what you really want.

2️⃣ Plan for trade-offs. You can’t do everything, so do less, but better.

3️⃣ The reality is that life is unpredictable, and there’s going to be unlimited obstacles in your way. Prepare for a “buffer”.

4️⃣ Be intentional and repeat. 

❓How might you use essentialism in your life?
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❣️Leave a LIKE if you enjoyed this post!
👐🏼 SHARE and TAG a friend that needs to see this!
✏️ 💭 COMMENT below your thoughts!
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👉🏼 FOLLOW @behavior.budget to see my journey towards financial literacy, home-buying, and a wealthy lifestyle.
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*Disclaimer: I am not a money, finance, accounting, or economics expert. All information provided is solely based on individual research.
  • Instead of “less is more”, try “less is better”.

    Figuring out what is essential, and what is not.

    Just because you are “busy”, does not mean you are “productive”.
    ———
    1️⃣ Make the time to think about what you really want.

    2️⃣ Plan for trade-offs. You can’t do everything, so do less, but better.

    3️⃣ The reality is that life is unpredictable, and there’s going to be unlimited obstacles in your way. Prepare for a “buffer”.

    4️⃣ Be intentional and repeat.

    ❓How might you use essentialism in your life?
    ———
    ❣️Leave a LIKE if you enjoyed this post!
    👐🏼 SHARE and TAG a friend that needs to see this!
    ✏️ 💭 COMMENT below your thoughts!
    .
    .
    .
    👉🏼 FOLLOW @behavior.budget to see my journey towards financial literacy, home-buying, and a wealthy lifestyle.
    ———
    *Disclaimer: I am not a money, finance, accounting, or economics expert. All information provided is solely based on individual research.

  •  0  1  48 seconds ago
  • Do you agree with this?🤔
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Don’t ever let people people crush your dreams and goals. Cause you have one life, so why not make the most out of it, by chasing your dream🤩
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🔔Turn on post notifications ⠀
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Follow: @bizlogics 💰
Follow: @bizlogics 💰
Follow: @bizlogics 💰
  • Do you agree with this?🤔
    -
    Don’t ever let people people crush your dreams and goals. Cause you have one life, so why not make the most out of it, by chasing your dream🤩
    -
    🔔Turn on post notifications ⠀
    -
    Follow: @bizlogics 💰
    Follow: @bizlogics 💰
    Follow: @bizlogics 💰

  •  7  4  21 minutes ago
  • So in our buying of an investment property in 2021, the next step on from: 
1. Determining a city location to buy (Brisbane)
2. Implementing and executing ways to increase borrowing power 6 months out from buying (shaving down credit card limits 💳)

is to find a price that we’re comfortable with paying and being in debt for, and what that type of apartment that might look like.

Since we currently have two mortgages already, we need to be looking for a reasonably inexpensive buy, which will almost pay itself off through the tenant’s rent (the rental yield should look to cover not only the interest but also supply regular funds to pay off the principal amount). 

The most ideal situation would be to have a high rental yield in an area which has high tenancy occupancy rates, so there’s a high unlikelihood of going without rental payments for weeks or months, and additionally, the principal payments will provide a buffer for any unforeseen costs that come up from special levies on building repairs and/or normal expected levies like strata and council fees or other costs such as landlord insurance.

For the Brisbane city specifically (not yet considering Brisbane region further away from the CBD), $250,000 seems to be an ok price for a one bedroom apartment without extras (by extras I mean spare bedroom, and sometimes a car park). It won’t buy us a completely new apartment, but it will buy a reasonably new one. We would prefer a low upkeep, new as possible apartment because of costs associated with repairs of older apartments. The average rental yield across Brisbane is currently between 4-5% which is pretty good. 
So between $225,000 and $250,000 in the right Brisbane area looks to be an ideal price for us to consider apartments within.

Now to reality check this against how long it would take to pay off a loan, depending on how much we borrow and interest rate fluctuations over time. I’ll keep you updated!
Any thoughts, feel free to comment below! 👇🏼
  • So in our buying of an investment property in 2021, the next step on from:
    1. Determining a city location to buy (Brisbane)
    2. Implementing and executing ways to increase borrowing power 6 months out from buying (shaving down credit card limits 💳)

    is to find a price that we’re comfortable with paying and being in debt for, and what that type of apartment that might look like.

    Since we currently have two mortgages already, we need to be looking for a reasonably inexpensive buy, which will almost pay itself off through the tenant’s rent (the rental yield should look to cover not only the interest but also supply regular funds to pay off the principal amount).

    The most ideal situation would be to have a high rental yield in an area which has high tenancy occupancy rates, so there’s a high unlikelihood of going without rental payments for weeks or months, and additionally, the principal payments will provide a buffer for any unforeseen costs that come up from special levies on building repairs and/or normal expected levies like strata and council fees or other costs such as landlord insurance.

    For the Brisbane city specifically (not yet considering Brisbane region further away from the CBD), $250,000 seems to be an ok price for a one bedroom apartment without extras (by extras I mean spare bedroom, and sometimes a car park). It won’t buy us a completely new apartment, but it will buy a reasonably new one. We would prefer a low upkeep, new as possible apartment because of costs associated with repairs of older apartments. The average rental yield across Brisbane is currently between 4-5% which is pretty good.
    So between $225,000 and $250,000 in the right Brisbane area looks to be an ideal price for us to consider apartments within.

    Now to reality check this against how long it would take to pay off a loan, depending on how much we borrow and interest rate fluctuations over time. I’ll keep you updated!
    Any thoughts, feel free to comment below! 👇🏼

  •  4  1  30 minutes ago
  • When you living beyond your means, every day is about survival. Getting to the next pay day, paying your bills, and keeping your head just above water only to repeat the cycle all over again.
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But that't no way to live, and if you make a few small changes you can completely shift your life. 
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The challenge is that many think living like that is normal, and it's largely because they don't know that there's any other way. But there is - picture your best life, and then figure out one small step you can do to get you that bit closer to it.
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#motivation #habits #budget #budgetfriendly #budgeting #budgetingtips #debt #debtfree #debtfreecommunity #debtfreejourney #debtfreelifestyle #financialfreedom #financialindependence #freedom #goals #money #moneygoals #personalfinance #rich #savingmoney #savings #savingsgoals #spending #wealth #wealthbuilding #wealthy #wealthymindset
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Photo by Joshua Fuller on Unsplash
  • When you living beyond your means, every day is about survival. Getting to the next pay day, paying your bills, and keeping your head just above water only to repeat the cycle all over again.
    -
    But that't no way to live, and if you make a few small changes you can completely shift your life.
    -
    The challenge is that many think living like that is normal, and it's largely because they don't know that there's any other way. But there is - picture your best life, and then figure out one small step you can do to get you that bit closer to it.
    -
    #motivation #habits #budget #budgetfriendly #budgeting #budgetingtips #debt #debtfree #debtfreecommunity #debtfreejourney #debtfreelifestyle #financialfreedom #financialindependence #freedom #goals #money #moneygoals #personalfinance #rich #savingmoney #savings #savingsgoals #spending #wealth #wealthbuilding #wealthy #wealthymindset
    -
    Photo by Joshua Fuller on Unsplash

  •  9  0  35 minutes ago
  • Inflation causes you to lose buying and purchasing power if you don’t find ways to maximize it!! This is why your ultimate financial goal should be to invest!!!!⠀
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I want to help you build a better relationship with money so that you can SAVE TO INVEST! ⠀
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Visit www.aliciasfinancialcorner.com or click the link below to schedule your consultation today! Send me a DM! Booklets are available starting at $8! Start today for a better tomorrow!⠀
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linktr.ee/aliciasfinancialcornerllc ⠀
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www.aliciasfinancialcorner.com⠀
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#blackwealth #financialplanner #budget #budgeting #finances #charlestonsc #entrepreneur #blackwealthmatters #payyourselffirst #moneymindset #financialburden #financialstress #womenandmoney #wealthmindset #budgetingtips #budgeting #wealthmindset #moneyproblems #wealth #moneyproblems #budgetplanning #blackwealth #charleston #businesowner #womeninfinance #moneygoals #moneytips #summerville #southcarolina #debtfreecommunity 
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Follow @aliciasfinancialcorner
  • Inflation causes you to lose buying and purchasing power if you don’t find ways to maximize it!! This is why your ultimate financial goal should be to invest!!!!⠀
    *⠀
    *⠀
    *⠀

    I want to help you build a better relationship with money so that you can SAVE TO INVEST! ⠀
    *⠀
    *⠀
    *⠀
    Visit www.aliciasfinancialcorner.com or click the link below to schedule your consultation today! Send me a DM! Booklets are available starting at $8! Start today for a better tomorrow!⠀
    *⠀
    *⠀
    linktr.ee/aliciasfinancialcornerllc ⠀
    *⠀
    www.aliciasfinancialcorner.com⠀
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    #blackwealth #financialplanner #budget #budgeting #finances #charlestonsc #entrepreneur #blackwealthmatters #payyourselffirst #moneymindset #financialburden #financialstress #womenandmoney #wealthmindset #budgetingtips #budgeting #wealthmindset #moneyproblems #wealth #moneyproblems #budgetplanning #blackwealth #charleston #businesowner #womeninfinance #moneygoals #moneytips #summerville #southcarolina #debtfreecommunity

    Follow @aliciasfinancialcorner

  •  3  1  37 minutes ago
  • The gap between getting ready and staying ready is a mixture of preparation and planning.
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Doing the work ahead of time means that you will not have to worry about it later, which might make executing your plans and attaining your goals that much easier.
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Today is Sunday, which means it’s a great day to plan out your week.
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What goals do you hope to accomplish this week? Let me know in the comments👇🏾
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For me, my goal for today is to create all of my IG content for the week in 3 hours or less.
⠀
  • The gap between getting ready and staying ready is a mixture of preparation and planning.

    Doing the work ahead of time means that you will not have to worry about it later, which might make executing your plans and attaining your goals that much easier.

    Today is Sunday, which means it’s a great day to plan out your week.

    What goals do you hope to accomplish this week? Let me know in the comments👇🏾

    For me, my goal for today is to create all of my IG content for the week in 3 hours or less.

  •  23  1  41 minutes ago
  • This is how deceiving tracking Networth is with market fluctuations for this year alone we hit $900k (5-6 times). We also invested $55k June-YTD. The market is uncontrollable. 

It’s more meaningful and motivating for me to track over a longer period of time, (3-5 years) to see real growth. Checking NW daily is driving me nuts honestly. 

Also, I’m beginning to understand the value of tracking savings %, savings $, and share count as key metrics on this FIRE journey. It shows controllable actions we have taken to build wealth. 

I really need to think about what I value and track metrics that are meaningful and actionable for me. I manage the finances in our household so a lot of my posts refer to “I” but really we have double income for context. 

What are other metrics worth tracking to inspire and motivate you on your FIRE journey? 
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#moneysavingpsychologytricks
#financialindependence 
#financialfreedom
#financegoals
#financialindependenceretireearly 
#choosefi
#personalfinance
#savingmoney
#savingmoneytips 
#moneygoals
#investingtips
#financetips 
#psychologyandmoney
#millionairemindset 
#wealthbuilding 
#wealthmindset 
#wealthmanifestation
#debtfreejourney 
#debtfreecommunity
  • This is how deceiving tracking Networth is with market fluctuations for this year alone we hit $900k (5-6 times). We also invested $55k June-YTD. The market is uncontrollable.

    It’s more meaningful and motivating for me to track over a longer period of time, (3-5 years) to see real growth. Checking NW daily is driving me nuts honestly.

    Also, I’m beginning to understand the value of tracking savings %, savings $, and share count as key metrics on this FIRE journey. It shows controllable actions we have taken to build wealth.

    I really need to think about what I value and track metrics that are meaningful and actionable for me. I manage the finances in our household so a lot of my posts refer to “I” but really we have double income for context.

    What are other metrics worth tracking to inspire and motivate you on your FIRE journey?
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    #moneysavingpsychologytricks
    #financialindependence
    #financialfreedom
    #financegoals
    #financialindependenceretireearly
    #choosefi
    #personalfinance
    #savingmoney
    #savingmoneytips
    #moneygoals
    #investingtips
    #financetips
    #psychologyandmoney
    #millionairemindset
    #wealthbuilding
    #wealthmindset
    #wealthmanifestation
    #debtfreejourney
    #debtfreecommunity

  •  10  0  48 minutes ago
  • Wise words from The Oracle of Omaha
  • Wise words from The Oracle of Omaha

  •  12  1  57 minutes ago
  • Your endgoal should be to make your business independent from you.⠀
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Then use that extra time to build more businesses, create systems that generate more income for you. ⠀
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⁣#invest #cashflow #college #wealth #personalfinance #financialliteracy #financialfreedom #investing #money #finance #passiveincome #investor #financialindependence #savingmoney #wealthgoals #stockmarket #compounding #financetips #motivation #stockmarket #influencer #debtfree #financialissues #blackwealth #wealthbuilding #millenialmoney #financialwellness #moneytips #generationalwealth #moneygoals #networth
  • Your endgoal should be to make your business independent from you.⠀

    Then use that extra time to build more businesses, create systems that generate more income for you. ⠀
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    #invest #cashflow #college #wealth #personalfinance #financialliteracy #financialfreedom #investing #money #finance #passiveincome #investor #financialindependence #savingmoney #wealthgoals #stockmarket #compounding #financetips #motivation #stockmarket #influencer #debtfree #financialissues #blackwealth #wealthbuilding #millenialmoney #financialwellness #moneytips #generationalwealth #moneygoals #networth

  •  4  1  58 minutes ago
  • **REMINDER** JULY 15th is the last day you can make a contribution to your Traditional IRA, Roth IRA, and HSA for the year 2019.  Visit any of the Pilot Grove Savings Bank locations for assistance! 

Member FDIC
  • **REMINDER** JULY 15th is the last day you can make a contribution to your Traditional IRA, Roth IRA, and HSA for the year 2019. Visit any of the Pilot Grove Savings Bank locations for assistance!

    Member FDIC

  •  0  1  59 minutes ago
  • Regardless of what you choose to start with, the important thing is to be consistent and focus.
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Like our content? Hit that follow button!⬇️👍🏻
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📲 Follow @investance 
👥 Tag someone who needs this
🛎 Turn on Post Notifications 
🗂 Save to see Later Again.
  • Regardless of what you choose to start with, the important thing is to be consistent and focus.
    .
    Like our content? Hit that follow button!⬇️👍🏻
    .
    📲 Follow @investance
    👥 Tag someone who needs this
    🛎 Turn on Post Notifications
    🗂 Save to see Later Again.

  •  8  4  1 hour ago
  • Don't be like Drake get those taxes in. Also there is still time to contribute to the 2019 Roth IRA. 

There's a 6k max and a 1k minimum. . You can easily open one through a brokerage firm like Vanguard or Fidelity. That 1k minimum is specific to Vanguard. Set it up to transfer from your account and wallah!

Have you done your taxes? Opened a 2019 Roth?
  • Don't be like Drake get those taxes in. Also there is still time to contribute to the 2019 Roth IRA.

    There's a 6k max and a 1k minimum. . You can easily open one through a brokerage firm like Vanguard or Fidelity. That 1k minimum is specific to Vanguard. Set it up to transfer from your account and wallah!

    Have you done your taxes? Opened a 2019 Roth?

  •  109  9  1 hour ago
  • A lot of our 9-5s let us go. @themoneyrealtor wrote an ebook to help you make money during these times. Learn how she made more than $10,000 dollars during the pandemic.
  • A lot of our 9-5s let us go. @themoneyrealtor wrote an ebook to help you make money during these times. Learn how she made more than $10,000 dollars during the pandemic.

  •  25  4  1 hour ago
  • On a Sunday I usually take the time to reflect on my week, my goals and what I’m going to do differently to improve my outcome if something isn’t working. This reflection includes my financial goals. What are you doing today to ensure you have financial peace of mind? Constant anxiety and stress over money doesn’t have to be your story ... start putting things in place now. Take that first step, develop a plan, build momentum and always believe your financial security is possible if you do the work! 
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Let me know in the comments if you need help 😊
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#financialpeaceofmind #financialpeace #financialfreedom #financialstability #financialsecurity #financialgoals #financialgoalsetting #moneygoals #wealthcreation #wealthbuilding #debtfreejourney #debtfree #debtfreedom #moneysavvy #moneysavvywomen #moneymotivation #financiallyfree #financiallyindependent #financiallysavvy #getitdone #getitgirl #trini #trinilife #trinidad #tobago #trinidadandtobago🇹🇹 #trinidadandtobago #caribbean #caribbeanlife
  • On a Sunday I usually take the time to reflect on my week, my goals and what I’m going to do differently to improve my outcome if something isn’t working. This reflection includes my financial goals. What are you doing today to ensure you have financial peace of mind? Constant anxiety and stress over money doesn’t have to be your story ... start putting things in place now. Take that first step, develop a plan, build momentum and always believe your financial security is possible if you do the work!
    .
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    Let me know in the comments if you need help 😊
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    #financialpeaceofmind #financialpeace #financialfreedom #financialstability #financialsecurity #financialgoals #financialgoalsetting #moneygoals #wealthcreation #wealthbuilding #debtfreejourney #debtfree #debtfreedom #moneysavvy #moneysavvywomen #moneymotivation #financiallyfree #financiallyindependent #financiallysavvy #getitdone #getitgirl #trini #trinilife #trinidad #tobago #trinidadandtobago🇹🇹 #trinidadandtobago #caribbean #caribbeanlife

  •  1  1  1 hour ago
  • Price and Value are two very different things! Most people only worry about the price, without thinking about the value they will get! It’s all about what you make of it. 💸💸💸
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For more business tips
👉 > Follow @richnetwork < 👈
👉 > Follow @richnetwork < 👈
👉 > Follow @richnetwork < 👈
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  • Price and Value are two very different things! Most people only worry about the price, without thinking about the value they will get! It’s all about what you make of it. 💸💸💸
    .
    .
    ---------------------------------
    For more business tips
    👉 > Follow @richnetwork < 👈
    👉 > Follow @richnetwork < 👈
    👉 > Follow @richnetwork < 👈
    ---------------------------------

  •  1  1  1 hour ago
  • motivation is what gets you started. habit is what keeps you going.
  • motivation is what gets you started. habit is what keeps you going.

  •  16  1  1 hour ago
  • Dave is one of my favourites. He is the first financial expert i ever heard of before i even knew there was such a carreer. Here are his steps to Financail freedom. Do you think anyone could follow these and succeed? Commen yes or no in the comments. #LearnTogether 
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#follow @blessingchiduuro
Turn on post notifications and never miss a post
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#personalfinance #financialfreedom #finance #money #budgeting #forex #financialliteracy #debtfreejourney #financialindependence #budget #investing #debtfree #financialplanning #stocks #moneymanagement #cfp #business #daveramsey #goals #moneytips #entrepreneur #investment #moneygoals #financetips #personalfinanceforwomen #debt #wealth #zimbabwe
  • Dave is one of my favourites. He is the first financial expert i ever heard of before i even knew there was such a carreer. Here are his steps to Financail freedom. Do you think anyone could follow these and succeed? Commen yes or no in the comments. #LearnTogether
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    #follow @blessingchiduuro
    Turn on post notifications and never miss a post
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    #personalfinance #financialfreedom #finance #money #budgeting #forex #financialliteracy #debtfreejourney #financialindependence #budget #investing #debtfree #financialplanning #stocks #moneymanagement #cfp #business #daveramsey #goals #moneytips #entrepreneur #investment #moneygoals #financetips #personalfinanceforwomen #debt #wealth #zimbabwe

  •  37  3  1 hour ago
  • 💸5 PERSONAL FINANCE RULES FOR SINGLES💸

For most people, their single years are a time of exploration and soul searching. They want to challenge themselves, grow up quickly and live life to the fullest. It also happens to be part of their lives that they may forget about their managing their finances.

Going out with friends, drinks with co-workers and weekend getaways are appealing when you're young. Hell, they're appealing now too! I get it.. But a little planning and attention your finances in your 20's, can really help set you up for the decades to follow.

Today on the blog, I'm sharing the 5 personal finance rules that everyone in their 20's and singles should follow including:
💸Keeping debt under control
💸Practicing tough love
💸Starting to invest
💸Rethinking retirement
💸Learning about taxes

These are basic things that everyone needs to know and getting a handle of any (or preferably all) of these can really help you get ahead later. All of these are skills that you will need later in life. Building good skills will help you make better spending decisions and manage money better when you're in a relationship.

The key is to start early and to be consistent. For more specific tips, you can read the full post on the blog. Link in bio!

#toronto #startearly #youngsavers #younginvestors
#canada #mymoneymission360 #moneygoals #money #debt #loans #finance #financetips #personalfinance #newbies #howtoberich #howtobewealthy #wealth #inspiration #motivation #investing #canada #vancouver #ottawa #rich #creatingwealth
  • 💸5 PERSONAL FINANCE RULES FOR SINGLES💸

    For most people, their single years are a time of exploration and soul searching. They want to challenge themselves, grow up quickly and live life to the fullest. It also happens to be part of their lives that they may forget about their managing their finances.

    Going out with friends, drinks with co-workers and weekend getaways are appealing when you're young. Hell, they're appealing now too! I get it.. But a little planning and attention your finances in your 20's, can really help set you up for the decades to follow.

    Today on the blog, I'm sharing the 5 personal finance rules that everyone in their 20's and singles should follow including:
    💸Keeping debt under control
    💸Practicing tough love
    💸Starting to invest
    💸Rethinking retirement
    💸Learning about taxes

    These are basic things that everyone needs to know and getting a handle of any (or preferably all) of these can really help you get ahead later. All of these are skills that you will need later in life. Building good skills will help you make better spending decisions and manage money better when you're in a relationship.

    The key is to start early and to be consistent. For more specific tips, you can read the full post on the blog. Link in bio!

    #toronto #startearly #youngsavers #younginvestors
    #canada #mymoneymission360 #moneygoals #money #debt #loans #finance #financetips #personalfinance #newbies #howtoberich #howtobewealthy #wealth #inspiration #motivation #investing #canada #vancouver #ottawa #rich #creatingwealth

  •  3  1  1 hour ago
  • Say with me: this week, I welcome an unlimited source of income and wealth in my life.
  • Say with me: this week, I welcome an unlimited source of income and wealth in my life.

  •  55  5  1 hour ago
  • Only down side to my move in just 2 short days is me letting go of all my clients/referrals etc. Thank you for all the support over the last few years for inspections and the last seven/eight years of contract work. We have officially closed up shop in Ohio. I have a list of people I’ll be referring the phone calls too. I shut down due to the relocation to our new home. Could of sold the business but rather pass along the gift to others free of charge just take care of the clients is all I ask. I’ve been fortunate enough to get on agents lists and sign a contract with a builder in my new area.  #carolina #certifiedmasterinspector #restarting isn’t easy but can and will be done 👌
  • Only down side to my move in just 2 short days is me letting go of all my clients/referrals etc. Thank you for all the support over the last few years for inspections and the last seven/eight years of contract work. We have officially closed up shop in Ohio. I have a list of people I’ll be referring the phone calls too. I shut down due to the relocation to our new home. Could of sold the business but rather pass along the gift to others free of charge just take care of the clients is all I ask. I’ve been fortunate enough to get on agents lists and sign a contract with a builder in my new area. #carolina #certifiedmasterinspector #restarting isn’t easy but can and will be done 👌

  •  14  1  1 hour ago

Top #moneygoals Posts

  • Everyone told us when we started our debt-free journey that we couldn't live without a credit card... but we've been doing it for 7 years now. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Everyone said that we would need a credit card to pay for emergencies, but there's nothing like being able to pay for emergencies with your own hard-earned money. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Everyone told us that it's impossible to buy a reliable vehicle with cash -but we've done it three times. In 2014, my 2002 Sequoia, and in 2018 my husband's 2008 2500HD GMC Sierra then again in 2019 with my husband's 2013 F-250 Super Duty. And my Sequoia is by far the best vehicle that I've ever owned despite the fact that it's about to turn 20 years old.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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And because we're 100% debt-free, my husband and I have a Net Worth that is 5 times more than the average 35-year-old American. That would not be the case if we were still chained down to debt. #truth⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀ We can invest, save, and give like never before because our income isn't being taken away by minimum payments every month. We get to live a life we didn't know was possible for folks in our income bracket ($50k a year). No one gave this incredible ability to us - we gave it to ourselves. 
So friends, don't believe "everyone" when they tell you, you can't do something especially when it comes to living debt-free. It's a crazy feeling when you get to actually keep the money you work hard for. It's yours and you can do whatever you want with it.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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I promise, no matter how hard the debt-free journey gets, you've got this. You'll be so happy that you didn't quit. I'm so thankful that we changed the course of our family all those years ago. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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📷credit: @christinemariephoto ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#reallifeonabudget  #debtfreecommunity  #debtfreeliving  #mortgagefree  #catholicfamily  #moneygoals  #budgeting  #mondaymotivation  #frugalliving  #daveramsey  #personalfinance  #homemaking  #momboss  #family  #mortgagefree  #debtfreejourney #smartmoneymamas
  • Everyone told us when we started our debt-free journey that we couldn't live without a credit card... but we've been doing it for 7 years now. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    Everyone said that we would need a credit card to pay for emergencies, but there's nothing like being able to pay for emergencies with your own hard-earned money. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    Everyone told us that it's impossible to buy a reliable vehicle with cash -but we've done it three times. In 2014, my 2002 Sequoia, and in 2018 my husband's 2008 2500HD GMC Sierra then again in 2019 with my husband's 2013 F-250 Super Duty. And my Sequoia is by far the best vehicle that I've ever owned despite the fact that it's about to turn 20 years old.⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    And because we're 100% debt-free, my husband and I have a Net Worth that is 5 times more than the average 35-year-old American. That would not be the case if we were still chained down to debt.  #truth⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀ We can invest, save, and give like never before because our income isn't being taken away by minimum payments every month. We get to live a life we didn't know was possible for folks in our income bracket ($50k a year). No one gave this incredible ability to us - we gave it to ourselves.
    So friends, don't believe "everyone" when they tell you, you can't do something especially when it comes to living debt-free. It's a crazy feeling when you get to actually keep the money you work hard for. It's yours and you can do whatever you want with it.⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    I promise, no matter how hard the debt-free journey gets, you've got this. You'll be so happy that you didn't quit. I'm so thankful that we changed the course of our family all those years ago. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    📷credit: @christinemariephoto ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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    #reallifeonabudget   #debtfreecommunity   #debtfreeliving   #mortgagefree   #catholicfamily   #moneygoals   #budgeting   #mondaymotivation   #frugalliving  #daveramsey  #personalfinance  #homemaking  #momboss  #family  #mortgagefree  #debtfreejourney #smartmoneymamas

  •  846  57  26 June, 2020
  • I monetized my Instagram and that money paid for my new BMW.

At the beginning of this year I had only my 9-5 salary as my income. Now I have five forms of income through online methods that has sustained me throughout the pandemic.

Learn how to monetize your Instagram so you can sustain yourself through these times. My ebook explains the methods I use.

Download now $15 OFF! Link in my bio ⚡️
  • I monetized my Instagram and that money paid for my new BMW.

    At the beginning of this year I had only my 9-5 salary as my income. Now I have five forms of income through online methods that has sustained me throughout the pandemic.

    Learn how to monetize your Instagram so you can sustain yourself through these times. My ebook explains the methods I use.

    Download now $15 OFF! Link in my bio ⚡️

  •  4,599  155  14 June, 2020
  • Celebrating you today, Samantha! The whole #tbmfamily is cheering you on! It can be hard to use the money that you have saved, even when you saved it for a purpose. It's all about that moment where you say to yourself, "✌ debt." It's that realization that using savings sucks, but having the debt sucks even more.

Welcome to 100% car ownership.
⠀
Repost ➡️ @thebudgettalk

I PAID MY CAR OFF!
Maturity date: 02/2022
Payoff date: 06/2020
1 year and 5 months early!
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I’ve been throwing this dang idea around for a couple months now.  I have the savings to get rid of this loan, but I’m so attached to my savings account balances I couldn’t make the jump.
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Well, I needed to see that $1,800 number just go away.  So, last night I transferred money from SoFi and I paid this car off this morning!
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I have NEVER “owned” my car.  Since I have been 18 years old, I’ve had my one car financed but it’s always held a lien.  Today, I became 100% the owner of this vehicle!
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It did take me 5 years of paying on this car to pay it off.  I went intense on paying debt and since May of 2019 I paid $11649.83 on this car!  Yes, some of that was my regular payment but I paid over $7k extra!! Thank you to @thebudgetmom method and getting me car debt free!
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Never again will I ever go into debt for a hunk of metal.  This car will be my baby for awhile!!
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Now to save some money and get this beauty detailed!
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I did this as a single mom on a single income.  You guys can do it too!
Photo credit: my 9 year old!
#financialwinfriday
  • Celebrating you today, Samantha! The whole #tbmfamily is cheering you on! It can be hard to use the money that you have saved, even when you saved it for a purpose. It's all about that moment where you say to yourself, "✌ debt." It's that realization that using savings sucks, but having the debt sucks even more.

    Welcome to 100% car ownership.

    Repost ➡️ @thebudgettalk

    I PAID MY CAR OFF!
    Maturity date: 02/2022
    Payoff date: 06/2020
    1 year and 5 months early!

    I’ve been throwing this dang idea around for a couple months now. I have the savings to get rid of this loan, but I’m so attached to my savings account balances I couldn’t make the jump.

    Well, I needed to see that $1,800 number just go away. So, last night I transferred money from SoFi and I paid this car off this morning!

    I have NEVER “owned” my car. Since I have been 18 years old, I’ve had my one car financed but it’s always held a lien. Today, I became 100% the owner of this vehicle!

    It did take me 5 years of paying on this car to pay it off. I went intense on paying debt and since May of 2019 I paid $11649.83 on this car! Yes, some of that was my regular payment but I paid over $7k extra!! Thank you to @thebudgetmom method and getting me car debt free!

    Never again will I ever go into debt for a hunk of metal. This car will be my baby for awhile!!

    Now to save some money and get this beauty detailed!

    I did this as a single mom on a single income. You guys can do it too!
    Photo credit: my 9 year old!
    #financialwinfriday

  •  4,200  95  10 July, 2020
  • This is Kealy, and she is a #tbmfamily member.

My first thought, why didn't I think about framing my financial trackers 😁 and secondly, after 709 days and paying off over $30k in debt, she is officially DEBT FREE.

Like me, Kealy went through a divorce, which landed her in a bunch of debt. She embraced her WHY, which is her daughter Hadley and never looked back.

After adapting some of the TBM steps in her life, she decreased her bills and acquired roommates to help with some of her living costs.

Being in the military made it hard for Kealy to have a "side hustle," but she made it work by selling handmade quilts, so she had the additional income to throw at her debt.

She also embraced sustainability. She saved money by finding more options to things (not buying paper towels, using bar soap instead of shower gel, etc.) to reduce her plastic waste.

After COVID hit, her boyfriend was transitioning from his job and was unable to find good work. Luckily because Kealy paid off a significant amount of debt, she was able to help him through that transition.

She was soon deployed to NYC on the USNS COMFORT to help offset the overwhelmed hospital system with COVID-19. She was able to save money during this time by not participating in routine things and only limited herself to buying food on her days off. 

Kealy's words:
"Having that financial freedom is amazing. Teaching my daughter to manage her own finances and having no debt is an amazing feeling."

Today, we celebrate you, Kealy! Thank you for your service 🇱🇷
#financialwinfriday
  • This is Kealy, and she is a #tbmfamily member.

    My first thought, why didn't I think about framing my financial trackers 😁 and secondly, after 709 days and paying off over $30k in debt, she is officially DEBT FREE.

    Like me, Kealy went through a divorce, which landed her in a bunch of debt. She embraced her WHY, which is her daughter Hadley and never looked back.

    After adapting some of the TBM steps in her life, she decreased her bills and acquired roommates to help with some of her living costs.

    Being in the military made it hard for Kealy to have a "side hustle," but she made it work by selling handmade quilts, so she had the additional income to throw at her debt.

    She also embraced sustainability. She saved money by finding more options to things (not buying paper towels, using bar soap instead of shower gel, etc.) to reduce her plastic waste.

    After COVID hit, her boyfriend was transitioning from his job and was unable to find good work. Luckily because Kealy paid off a significant amount of debt, she was able to help him through that transition.

    She was soon deployed to NYC on the USNS COMFORT to help offset the overwhelmed hospital system with COVID-19. She was able to save money during this time by not participating in routine things and only limited herself to buying food on her days off.

    Kealy's words:
    "Having that financial freedom is amazing. Teaching my daughter to manage her own finances and having no debt is an amazing feeling."

    Today, we celebrate you, Kealy! Thank you for your service 🇱🇷
    #financialwinfriday

  •  5,974  133  3 July, 2020
  • I did it!! I closed out my June budget AND I hit two small goals. I lowered my food and household spending from last month.

Every time I close out my budget, I always pick up on something new. This month, I realized my beauty spending fluctuates way more than I thought it did.

Another major accomplishment in June is that for the first time this year, I was able to save 50% of my income. The money I saved was for sinking funds and all savings goals.

My top three things I saved for were sinking funds, 529, and vacation savings.

It's so important that where you choose to spend and throw your money is aligning with your financial goals. You want to make sure that your dollars are going towards things that matter most to you.

In the beginning, closing out my budget was time consuming and frustrating BUT I stuck with it. Why? Because the benefits outweigh the work I put into it. That's called value.

If you are struggling with this huge step in the Budget By Paycheck Method, remember, it gets easier. YOU WILL figure it out if you keep trying. Trust me, it's worth it.

Closing out my budget keeps financial awareness in my life. It gives me a sense of peace, and it reassures me that I AM making progress.

Have you closed out your budget for June?
#budgetbypaycheck
  • I did it!! I closed out my June budget AND I hit two small goals. I lowered my food and household spending from last month.

    Every time I close out my budget, I always pick up on something new. This month, I realized my beauty spending fluctuates way more than I thought it did.

    Another major accomplishment in June is that for the first time this year, I was able to save 50% of my income. The money I saved was for sinking funds and all savings goals.

    My top three things I saved for were sinking funds, 529, and vacation savings.

    It's so important that where you choose to spend and throw your money is aligning with your financial goals. You want to make sure that your dollars are going towards things that matter most to you.

    In the beginning, closing out my budget was time consuming and frustrating BUT I stuck with it. Why? Because the benefits outweigh the work I put into it. That's called value.

    If you are struggling with this huge step in the Budget By Paycheck Method, remember, it gets easier. YOU WILL figure it out if you keep trying. Trust me, it's worth it.

    Closing out my budget keeps financial awareness in my life. It gives me a sense of peace, and it reassures me that I AM making progress.

    Have you closed out your budget for June?
    #budgetbypaycheck

  •  4,961  215  29 June, 2020