I'm keeping it simple this week with my goals.
No crazy statements about saving a ton of money.
No big plans to tackle a huge project.
Just me and my simple goals that (with consistency) can change my life.
This week I will...
◇ Move my body 30 minutes every day.
◇ Make dinner at home 6 out of 7 nights.
◇ Be more present at night with my family (reminder: put the stupid phone away, Allison).
◇ No Amazon or Target purchases.
These goals might seem simple. You might laugh and say "I do these all the time."
But my truth is that these are things I NEED to work on. And I can tell you one thing...writing them down and sharing them for you to see holds me accountable.
What's one goal you have for this week? Write it down. Type it out. Say it out loud. Let me be your accountability partner.
Let's do this together!
1,8954810 hours ago
Feeling’ good with my new hair! 😍 Thank you all for the suggestions in my stories. A “lob” (long bob) was the most recommend suggestion. •
In other news, the power to our house has been out since 6:30 am and isn’t estimated to be back on until 10 tonight! They’ve been pushing it back all day, so we’re not counting on 10 pm. •
We picked up another lantern, firewood, and ice from the store to get us through the night. Hopefully our food, especially my damn fudgesicles, isn’t ruined. 🤞🤞 I’m also picking up pizza on the way home. 🤷🏻♀️ •
Unexpected expenses for sure. This reminds me that I need to get our house emergency kit together asap! I want to be better prepared next time this happens. •
How was your day?!
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4567214 hours ago
This 4 day trip was the first time I had left my kids with my husband to get away EVER. It was pretty dang awesome. 😊 I had a blast, everything went right, and all the kids (including the baby who I was very anxious to leave) did amazing!! Phew.
This was also a super affordable trip! Thankfully, I was vacationing with 2 of my sisters and my mom who are all some of the frugalest ladies around. 😊 I would have dropped even more money on fun and food if needed, but I’m happy to have spent only $781.
What about you? Are the family and friends around you frugal causing you to be more frugal, or bigger spenders making it hard to be frugal because they’re always wanting you to spend?👀💸
𝗪𝗲'𝘃𝗲 𝗽𝗮𝗶𝗱 𝗼𝗳𝗳 𝗼𝘃𝗲𝗿 $𝟭𝟴𝟬,𝟬𝟬𝟬 𝘄𝗼𝗿𝘁𝗵 𝗼𝗳 𝗱𝗲𝗯𝘁 𝗶𝗻 𝗷𝘂𝘀𝘁 𝟯 𝘆𝗲𝗮𝗿𝘀. But #truth ? We’re not celebrating this. It's not "the most amazing feeling in the world." In fact, I'm quite neutral about it. 🤷🏾♀️.
𝟭. 𝗗𝗲𝗯𝘁 𝗽𝗮𝘆𝗼𝗳𝗳 𝗶𝘀 𝗮 𝘀𝗵𝗼𝗿𝘁 𝘁𝗲𝗿𝗺 𝗴𝗼𝗮𝗹 𝗮𝗻𝗱 𝗜 𝗵𝗮𝘃𝗲 𝗺𝘆 𝗲𝘆𝗲𝘀 𝘀𝗲𝘁 𝗼𝗻 𝘁𝗵𝗲 𝘂𝗹𝘁𝗶𝗺𝗮𝘁𝗲 𝗺𝗼𝗻𝗲𝘆 𝗴𝗼𝗮𝗹: 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝗿𝗲𝗲𝗱𝗼𝗺.
In other words, I'm way more thrilled by the amount of our own money we've managed to keep for ourselves and grow during that time (a nest egg that’s creeping up to the half million mark thanks to the magic of investing and compounding).. When you know what your ultimate goal is, it puts everything else into perspective. And debt pay off becomes just one possible lever that you can pull to help you reach your big financial freedom and life goals (and not THE thing that you MUST focus on or else all is lost.)
𝟮. 𝗧𝗵𝗲 𝘁𝗿𝘂𝗲 𝗺𝗲𝗮𝘀𝘂𝗿𝗲 𝗼𝗳 𝘀𝘂𝗰𝗰𝗲𝘀𝘀 𝗳𝗼𝗿 𝗮𝗻𝘆 𝗺𝗼𝗻𝗲𝘆 𝗽𝗹𝗮𝗻 𝗶𝘀 𝘁𝗵𝗲 𝗹𝗶𝗳𝗲 𝘁𝗵𝗮𝘁 𝗶𝘁 𝗮𝗹𝗹𝗼𝘄𝘀 𝘆𝗼𝘂 𝘁𝗼 𝗹𝗶𝘃𝗲 𝗯𝗼𝘁𝗵 𝗻𝗼𝘄 𝗮𝗻𝗱 𝗶𝗻 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲.
You absolutely can create a holistic money plan that finds the right balance between the life that you want right now and the one that you want for your future self. When you do that, it stops being about the numbers, how fast you got there, or how big they are.
Instead, you’re enjoying the life that you were able to live along the way. The meaningful work you did. The wonderful memories you made with your friends and loved ones. All the while knowing that your money plan has been running in the background, building wealth. #livehappy
Many people think it is flash cars, big houses and expensive holidays but it’s not. Feeling or being successful is different for everyone.
For some it might be having all the nice things in life but for others it could be as simple as being able to:
1. Give their children more opportunities and life experiences than they had
2.Have confidence that all their bills will be paid
3.Not have people chasing them for money anymore
4.Create a safety net financially
5.Get reassurance that they are on the right track
I could keep going with this list but you get the point.
Budget Health Check supports you to achieve your own personal definition of success, whatever that might be.
You'll get unique and specialised tools, a supportive culture and stacks of information so you will quickly and easily achieve your definition of success, and as your definition of success changes – no matter what it might look like or where it takes you, we’re here to support you all the way.
From our last post, it was easy to conclude that inorder to invest, you need to save ! So now let’s understand SAVINGS & BUDGETING
According to Wikipedia - Saving is income not spent or deferred consumption.
Savings also involves reducing expenditures such as recurring costs.
Thus, it’s very clear, if you want to increase your savings, you need a budget ! Budgeting is the Starting point of being financially disciplined!
Stay tuned for more information about budgeting, savings, investing & wealth creation ! #savings#investing#budgeting#money#wealthcreation#finance#goals#financialgoals#moneylessons#moneyblogger#financeblogger#mumbai
This week with a little extra planning I managed to save $62.45 plus earn $11.01 cash back! .
Our electricity is through AGL and they have a rewards program where you are able to buy gift cards at a 5% discount.
We purchased a gift card for big w when we purchased our sons birthday presents which saved us $11.25.
Every Easter we get our boys winter pjs. We got a target gift card for these which saved us $3.24 plus we got $2.16 back through cash back.
We are going to the movies for my sons birthday tomorrow and we were able to get discounted tickets through Groupon saving us $39.80 plus we got $8.85 back through cash back.
With our groceries that we got from Woolies this week we got a gift card that saved us $6.90.
Also I started using the 7/11 app for fuel. I saved $1.26 today when I filled up. Not much but every little bit counts!
All of these were planned purchases and the money was going to be spent either way!
I ask for you to keep it 💯 with me and 💯 with yourself. How many of you would like or need to repair and restore your credit but unsure if you can afford it? 🙋🏾♀️🙋🏼♀️🙋🏻♀️🙋🏿♂️🙋🏼♂️ Let me share how phenomenal our credit attorneys are and how our company gets the best results and for a fraction of the cost.
If you're really serious about getting your credit and financial affairs in order this year DM or message me and it can literally cost you little to nothing to have it done. 💯
Groceries for this week totalled $100.14 from @woolworths_au. This haul included a $10 pack of honey soy chicken skewers that we got for free thanks to the Woolworths Bunch program! 😍
15245 minutes ago
What will your kids inherit ?
Stocks? Bonds? Trust Funds ?
Or the 90pairs of shoes/Gucci belt you bought ?
Start making plans today by investing in yourself to secure the future of your children, earn good money today by making the right decision which is investing in the forex market📊
Ask me how to earn from the stock market
If your business has been impacted by the recent bushfires, there are some things you will need to action, such as claiming insurance, paying tax, meeting your current business obligations and of course, looking after yourself. You can get assistance to get back on your feet through the ATO, who is providing support to businesses impacted by giving them extra time to pay or lodge forms. To find out more, visit this link https://bit.ly/2V250bM .
Image and info courtesy of business.gov.au .
It’s my pay week only this week, we have our quarterly council rates due this week, our yearly pura tap change over, a monthly car insurance debit, along with hubbies phone and internet monthly bill.
It leaves me with just $128 to put on to our mortgage this week.
I’ve included our worksheet once again.
Yesterday we found out too many people abused the express postage bags over Xmas that now if we want to send something out our department has to pay for it.
I work with compliance and legal documents so hello endless abundance of approval to purchase however many I like! .
Let me just say however this was only for 7 x XL bags and 3 x Large bags = WHY SO BLOODY EXPENSIVE!!! The shock horror when he’s like that will be almost $300 😰
My acting line manager approved my expense claim right away so I can get the costs back this Friday; so it will somewhat feel like additional pay 😅
This is so good for so many different areas of life.
If you’re waiting for someone to let you begin or allow you to change, you might be waiting forEVER.
Jump right in today and go for it!
Start using envelopes, open 7 bank accounts, follow the three month rule, pay off that debt, RUN for your goals, and don’t look back.
Tomorrow is a new day and the only person holding you back is you.
We KNOW you can do this!
QUICK: What is ONE financial goal you have for this year?
FINALLY!!! My tax return came through and cleared out the tax debt I owed from 2018. This clears up $200 a month for me, I plan to put that on my highest credit card debt - Capital One 😒
Despite some setbacks this month due to work, I’m calling this a win!!
What’s a February win for you? 🏆
1171 hour ago
Found out today that as of this week I am getting a pay rise 🎉 unsure of the exact amount but I believe it will be in the vicinity of an additional $200 per week which is amazing. Honestly I’ve probably been due for this for a while but working for family makes it an even more uncomfortable conversation to have 😅 looking forward to budgeting with this extra pay, tossing up between savings and additional super contributions at the moment #budgeting#frugal#ozsavingcommunity#ozdebtfreecommunity#payrise
1701 hour ago
Ok so I got a mail from #TMobile saying that my insurance is going up from $15 to $18 per month per phone. Now, I have 4 lines on my account so I started to do the math. I realize that at the end of the year if I don’t remove it, I will be paying $864 in insurance. That’s worth a brand new phone. I might as well set up a phone emergency fund as an insurance. I felt really annoyed that I have just left my phone bill unchecked for so long. This could’ve been a big savings even when it was at $15 per month. They get you with the cheap monthly payment but you don’t see the true end cost.
I remember how scared and unsure I felt when we cleared out our savings to establish our first emergency fund, and go towards our debt.
Having only $1,000 in our emergency fund put us into gazelle mode.
However, seeing our debt go down also made us feel inspired and motivated to keep working towards paying off our debt.
If you don’t have an emergency fund, the time to start saving is now. I know that some people may not feel comfortable with decreasing their savings to $1,000, and if that’s the case, maybe save $2,000, or $3,000. The point is that you want to be careful of how much money is sitting there, temporarily doing nothing, when it could be saving you lots of money in interest on your existing debt. The other thing to consider is that this is only temporary. When you are done paying off your debt, you will save for a much larger emergency fund that will be able to sustain you for 3-6 months should someone suddenly lose a job, or sustain a major injury.
We haven’t touched our emergency fund for awhile; but knowing that it’s there provides me with a sense of calm, and security if a big emergency happened.
This savings tracker will be available in my Etsy shop that will be launching on Wednesday! If you are signed up for my e-mail list (if not, dm me and I will add you) you will be receiving a coupon code!
Have you ever had to use your emergency fund before? #debtfreecommunity#debtfreecollective
My goal is to launch my website on March 28! I’m nervous & excited at the same time.
I’m hiding behind a bitmoji on this account because I’m afraid of negative feedback, so to be ready to be open to the world is a little bit scary.
But this is one of my vision board goals. & the only way to accomplish it is to start.
How are your vision board goals coming along? Or goals in general? Do you still read blogs? Or do you prefer videos? Any feedback would be appreciated.😊
Talking about money and debt can be embarrassing...or it can help keep you accountable.
You don’t have to clean up this mess alone. You don’t have to experience all of the emotions that come with the clean up alone.
Tell someone you trust about your goals and the steps you are taking to meet them. Make sure this person is honest with you and has your best interest at heart. You could even choose someone who has been through it before.
Ask that person to hold you accountable if you deviate from the plan. Once they are invested in your journey, you’ll have someone to offer support and be there to talk you out of all of those silly purchases that you got you into debt in the first place 😂 Check in with them weekly and be honest about your progress and setbacks. They can only help keep you accountable as much as they know about what you are going through!
I have no idea how to format this halfway decent, it keeps changing it so my apologies in advance!
Today was not a good money day, and Murphy came calling big time. •1. I found out one of my student loans minimums went up $180.•
•2. I was audited on city taxes, and apparently I forgot to file my city taxes in 2014. Between penalties, interest and taxes due this will run me over $1,000.• •3. My husband’s car died and it’s not worth putting the hefty amount of money required to repair it. (It is a 98 Accord with well over 200k)] [The good news is I have the emergency fund to cover the tax issue. I have no idea how I missed filing these, I filed federal and state that year, but I don’t have record of the city either. The irony is that the city didn’t notice I hadn’t filed until now. Last year I overpaid my estimated taxes because my work location changed, and now they owe me money. Well - they did, not so much now. • • I was planning on having to get a new vehicle, after all it was pretty old, but I honestly thought (and so did the mechanic) it would make it through this summer at least. I have about $3k saved for a new car. Not enough to get anything reliable at all in my area, so not sure what we are going to go there - likely we will have to finance a portion of a new to us car either through a car loan, or 401k loan - something. I was not wanting to do this at all. •
#•The additional student loan minimums, I have in my budget, it just takes away from my snowball - and on top of the other stuff today - was like the proverbial straw.• •I’m venting and feeling a little defeated and woe is me, but at the end of the day I will pull up my big girl panties and make this work. My goal is to rework our budget as much as possible to not extend our payoff dates, build our EF back up and figure out what the f%%k to do about a car! • •LOL! Thanks for letting me vent.• •How was your day? How do you address setbacks, not only financially but the mental and emotional piece of it?• • • •
433 hours ago
Everyone please send good vibes our way! We just put in an offer on a house. It’s in budget, 900 sqft and only 2 yrs old and had a gorgeous interior. The only downside is the lack of outdoor space. The house was built up to the 7 ft building setback on every side. It’s not like any other house in our price range had any more property to spare either though. So for what we want right now, it’s perfect. And if we get it, I won’t have to unplug the vacuum to reach every nook in the house. I’m so excited and nervous and nauseous and jittery and can’t wait to know either way whether it will be ours!
Clip from our financial literacy workshop in Stamford CT with Credit Expert @sunnymoneyqueens
📹 creator @evolvecrew THANK YOU!
Register for our next workshop in NYC Saturday Feb 29th 12pm or 2pm session
Hurry only 20 seats left before we're
1743 hours ago
☝🏻☝🏻☝🏻That is the face of someone who got a SWEET deal on skiing this weekend!
I’m talking all about my $60 ski day in my stories...you hear me. $60🤯 You can have fun on a budget people!!!
Speaking of budgets, I get paid this Friday, which means another budget. Would you like to see how I do a real budget on IGTV? Stories? Let me know in the comments👇🏻
February debt totals: 🥴😀 We paid a total of $3245.74 to debt this month including minimum debt payments ($963.25). Within this $3245 included an extra payment to debt of $2282.49. We got a little help from our tax return to make this happen. The tax return contributed $750 which was our sinking fund expenses this month ($600 water bill and $150 annual vet visit).
This means we finished paying off our first student loan (!!) and made a sizable dent in student loan #2 .
Although this is an absolutely amazing number we fell prey to lack of direction and a month of kids being sick — ie we spent money on unplanned food/alcohol and a bunch of things we didn’t plan for but were necessary such as interview clothing for me, kid shoes, filing taxes, etc. We were unsure about income since my husband got a promotion that messed with his ability to do overtime. I interviewed for a few positions and was a stress case. It all worked out. We both DO NOT like the feeling for missing goals and spending disposable money like that. There is nothing to show for it!! It’s clear that the old us is no more. We feel ready for March and to show it what we’re made of. 💪💪💪
1403 hours ago
Looooool 🤣 (via one of my favorite accounts lately @mrsdowjones)
Budgeting doesn’t have to be hard! Link to a super simple one page budget template is in my bio
What are you saving for?
There isn't a magic formula for saving a lot of money to reach a big goal..... BUT what I have seen work is saving consistently and realizing every small amount you save matters.
Every single month, I gather all the money I saved from budget items $0.50 from rent, $13.67 from utilities, $22 from groceries and add it to the money I had intentionally earmarked for savings.
That's how I was able to save up ✔ $79,775 for my hubby's school
✔ $4,000 for a car ✔ $ for emergencies, repairs, and medical bills
Keep at it and you'll reach your money goal. Every cent does and will add up. No amount to small to save.
Need some tips on where you can save money? I've got a list of 52 - drop a ❤ down below and I'll send it to you.
March 2020 is almost here! Which means Quarter 1 is ALMOST over. What goals have you hit? What goals haven’t you hit? We love helping our clients make & hit their goals✨✨
313 hours ago
Net worth in 2015: -$80,000..?????
Net worth today: -$36,110
February wasn't a huge month because I paid for my flights for the end of the year, but I still moved in the right direction.
It completely blows my mind to see that I've paid off almost 45 grand of debt while earning literally barely enough money to cover my bills. I earned barely more than $30k for the first probably five years out of high school.
When I got my first "well paying" job, I was over the moon to get a payrise to $42,000. Until my nurse friend said, and I quote: "Wow. I didn't know it was legal to pay someone so little." 15 years out of school now, with 6 years travel industry experience and two useless degrees, I feel like I can actually get somewhere now that I'm aaaaalmost on the "median" Australian income. If I take a lot of overtime.
Shout out to #teamtinyshovel , I was a member for 5 years and still made massive strides!
Not too many exciting empties from last week. I finally finished this candle from Aldi that I have been burning since Christmas! I absolutely loved it! I finished a @bathandbodyworks foaming hand soap in warm vanilla sugar 💙 and my @target eye makeup remover 💙. I did buy the Equate brand from WalMart as its replacement- we shall see if they compare. This wax clamshell was from Super Tarts 🤷🏼♀️ not too impressive but an ok scent. Empties - 33; Declutters - 4
I want to thank all who came out to the last Edmonton Wealth Builders - Personal Finance Workshop on February 18! It was a success!! Thank you Stefan Cherwoniak and Chuck Walker for guiding us through obtaining mortgages, budgeting and building strong credit! We raised more money for our great causes!
I am excited to announce our next Event on Wednesday March 18 at 6:30pm at the Kingsway Legion. It is a MUST GO Rapid Real Estate Investing Workshop lead by legendary veteran investor, Wayne Weum! It is for all investors and those who want to learn how to build a profitable real estate portfolio RAPIDLY. You will learn how to find and analyze your next cash flowing property, leverage other peoples money, write and negotiate favourable offers, attract and manage suitable tenants and build a fast growing portfolio.
Admission is only $10! All proceeds go to Wounded Warriors Canada and our EI Officer Relief Fund.