We only have $2.59 left until payday in a day and a half😱. I’m serious about only having $2.59 left, but I’m kidding about the “😱.” It’s not really a “😱” event because guess what:
☑️My husband and I are both aware we only have $2.59 left
☑️All the bills are paid
☑️Cars are gassed up and fridge is stocked
☑️We have an emergency fund, just in case
☑️The bank account doesn’t really say $2.59 because we have some money set aside for our mortgage payment
☑️We already sent money to retirement savings and $600 to Emergency Fund savings
We can handle a couple no spend days! This is the power of budgeting. It might look like we’re broke, but we’re not broke, all the right goals are just being smashed!
So far, November is going GREAT! I’ve been budgeting twice a week and it’s helping me stay on top of our spending and the reality of the bank account so we don’t have any false assumption that there is money to spend! #spenders#budget#debtfree
Apart from this ^ being 100% accurate, I've survived my first week of cash envelopes. Surprisingly, I'm actually really liking it 😮 Unsurprisingly, I managed to destroy my pretty laminated envelopes within 48 hours 🙄 Thankfully I found some plastic ones which are much more durable. Hopefully the rest of the month will go just as smoothly!
4,4601379 November, 2019
My November budget is complete!! I’ve made a few changes to my budget this month. I’ve decided to cancel my Hulu subscription, when I first signed up for it, it was during last year’s Black Friday deal. So I was paying $1 a month and now that the promotion has reached a year, I’ve decided to cancel so that I won’t have to pay the full price. I’ve also changed the amount I’m saving a month for my “house down payment fund”. I was saving $1,000 a month for it but now I’ll be putting $1,500 into savings a month for that goal. I may possibly purchase some home decor items but we’ll see. What’s your budget like this month? Any changes? ⬇️
Ok...but how do I live now and enjoy all. the. things. without also being broke NOW?!
This is a HARD balance to find — but really it’s all in your head.
We are hard-wired for instant gratification and I believe always giving into it is harmful.
I also believe postponing joy for some potential day that might never happen is also harmful.
Then F. What are you supposed to do?!
👉🏽 Know what you want — make your money reflect these wants
👉🏽 Automate emergency savings and savings for your future
👉🏽 Ditch any bills or expenses that don’t align with the life you WANT
👉🏽 Automate savings for trips, travel or big purchases
👉🏽 Spend your money...now. Do things now.
You CAN have it all. You first have to stop believing you can’t. #havealittlefaith#experiencesoverthings#tuesdaymood
My goal was to save $30k this year and I finally did it!
After becoming debt free I reallyyyy let up on my frugal-ness. That’s why it’s important to still have goals or else all of your money can easily disappear! For the first part of the year I did not track my expenses, I just started doing this again in August. I like having a plan every month and being able to look and see where my money goes. Ive also increased my 401k contributions. The future scares me a little because you never know what could happen, so I thought I should put some extra in while I can.
Hi Maxplanners, Tingginya kenaikkan biaya pendidikan dan inflasi membuat kita harus berinvestasi. Investasi kemana ? Saham salah satunya.
ada 5 alasan kenapa berinvestasi saham adalah pilihan terbaik. Simak 5 alasan berikut, swipe untuk lebih detailnya. - Return Saham Tertinggi
Sejarah menunjukkan bahwa saham memberikan return paling tinggi diantara investasi lainnya.
- Modal Kecil Bisa Investasi Saham
Banyak yang enggan bermain di saham karena membayangkan tingginya minimum investasi, beli saham butuh dana yang besar dan proses yang ribet. Namun ketentuan bursa efek indonesia memberikan minimun pembelian harga saham yang sangat murah.
- Sistem Online. Jual Beli Saham Kapan, Dimana Saja
Jual beli saham sekarang tidak harus dilakukan di bursa saham, karena sudah ada fasilitas broker online yang bisa diakses dari laptop, komputer atau handphone.
- Pemilik Perusahaan Besar
Anda dapat memiliki perusahaan besar dengan membeli saham-saham perusahaan seperti Astra International, Unilever atau Bank BRI. Memiliki saham artinya Anda menjadi salah satu pemilik. Dengan berstatus pemilik, Anda berhak menerima pembagian keuntungan, yaitu deviden, yang dibagikan dari laba perusahaan setiap tahun.
- Mudah Dicairkan
jika ingin mencairkan investasi di saham Investor harus melakukan order jual melalui sistem perdagangan online. Setelah terjadi transaksi, dalam waktu 3 hari sejak transaksi, T+3, dana hasil penjualan akan masuk ke rekening dana investor (RDI). Untuk lebih detailnya, swipe gambar diatas dan pahami jenis-jenis pajak. Semoga bermanfaat.
I'm curious to know...how old were you the first time you went into debt? .
I was 22. I got my first credit card, financed a car, and graduated from college with student loans. .
I did not want a credit card at all but my dad said it would be good to have and build credit. I was really good with it in the beginning and paid it off every single month. I only had a $500 limit on it at the time. Since then I've asked to increase it twice. Now I owe about $7,800 on it. 😳
My first car (Plymouth Neon that my dad financed for me when I was 16) broke down so my dad paid off the remainder of the loan and helped me find my 2nd car. That time it was financed in my name; around $5K. (Volkswagen Cabrio) I loved this car! .
I graduated from college in August 2010 and had accumulated about $25K ish in student loans. My mom kept telling me how worried she was about me having to pay it all back. I told her over and over that I knew that and not to worry. But I really did not know what it meant until I had to actually start paying them. .
These were my first debts and they all happened while I was 22 fresh out of college and working 2 part time jobs. .
Why wait for the next perfect day to start changing your life? It doesn’t have to be a Monday or the 1st day of the month for everything to fall into place. Consistency and intentionality are the key. 💪🏼
I’m HELPING 46 people Restore their CREDIT NOW!
We only have 46 days to the end of 2019!
STOP WAITING, NO MORE PROCRASTINATING!!
Call or Text “Credit” to 314-724-6100...to get started!
212 hours ago
Why do people struggle over a $1000 bucks.
Forex has really made an impact on people's life. If you're working in 9-5 congratulations! You're still comfortable with the peanut pay you receive.
If you have no knowledge about this, make your investments right where you are and earn big with me managing your account.
Well do what excite you to become the real you. Don't let skepticism keep you from making it close to your dream.
The more the see days, the closer your time on earth expires. Start an investment plan with an investment capital no matter how meager you might think it is.
So much for being strict this November.... This is what I have left over from my last check... the goal was 200 per usual and I’m way under... I unexpectedly had the LO this past weekend and so I had to buy more food, bought her some books and a workbook so we can study together. Also bought her a new toy.
This is why I can’t have kids of my own yet lol. Cause when I have the LO I just want to buy everything!
Since it was off the usual schedule that’s why my funds are low. But it’s all good! Since I am left with so little, instead of applying it to my debt I’m adding it to my sinking fund for my graduation dress :]
Tomorrow is payday for my main job and the SIDEGIG so I am looking forward sending some money to debt 😊😊😊
by now i’m sure you’re sick of hearing about my credit card debt - four posts strong and i’ve mentioned it in every single one! but it’s important, to me and my money story.
debt is often described as a weight on our shoulders - but i liken it to an ill-fitting bra. awkward, requiring constant adjustment. of course, there are good ones, ok ones, and bad ones. but it’s always a relief to take it off.
so, here’s where i’m at. everyone has different definitions of good/ok/bad debt for different reasons, and i’ll explain mine.
ssl (student startup loan) + help (higher education loan program) debt = $65,000+
this debt paid/is paying for my tertiary education and will continue to grow. the interest rate is the cpi (consumer price index or inflation) with no other fees. there are no minimum repayments until i earn over a threshold, which i do not. i am not in a rush to pay this debt off, and even after paying off my ok and bad debt i will focus on saving/investing. even the most modest investment (a high-interest savings account) has a higher interest rate than inflation.
creditline debt = $600
this debt paid for my apple watch and ipad. it was 24 months interest free. i have 15 months interest free remaining but i am on schedule to pay this off in three months. due to my job, i do not pay any fees. though technically a credit card, i consider this ok debt because it has and does allow me to use most of my non-fixed income to pay off my other credit card debt and contribute towards more pressing goals (urgent dental work and emergency savings).
i have no current afterpay debt but i do use it occasionally in the same vein.
i love taking stock of where i am now, because it reminds me of how far i’ve come. however, i want to be in a place where i have only good debt, which will require me to complete my dental work and achieve my first emergency savings goal ($2000). then i will be able to save to buy, instead of using credit. i am @aligningwmygoals 😎 📸 @intothegloss
813 hours ago
🌿 My 2008 Rav 4 Payoff Timeline! My husband and I put $1,000 down 2.5 years ago on my 2008 Toyota. Looking back, I think we made a really great purchase!
Even without having an inkling of understanding of debt and finances, we found an extremely reliable car for about 10k. As a bonus, it was the exact color and style I was looking for! It has given us no trouble at all and I look forward to driving this puppy into the ground. 😋
We’ve been paying the minimum payment on this car since it was purchased in June 2017. Our goal for payoff is now September. However, I think we will be able to push that up a month or two. Since we’re both in school, we usually get a pretty good tax return. I will also be graduating next summer and hopefully land a full-time position so we will have more 💰 to finish paying it off.
I will update every month about our car payoff! 🚗 .
Pentingnya hibah ni😭🥺
Sebelum Berakhirnya Hibah Murah RM 1.33 Sehari ✅ RM 100,000 MENINGGAL BIASA
✅ RM 100,000 HILANG UPAYA
✅ RM 300,000 KEMALANGAN DI MALAYSIA
✅ RM 400,000 KEMALANGAN LUAR NEGARA
✅ PENGHIDAP PENYAKIT 100% LULUS
✨Hi! Thank you so much for being here.
I’m a 26 year old with $121k worth of debt. Yes, you read that right. And yes, I can’t believe I’m here. And yes, my husband just started grad school so in 3 years, that number will be about $20k higher.
My journey is long and full of terrible financial decisions. I’m still working through the shame and embarrassment of the choices I’ve made.
My debt is a culmination of student loans (both undergrad and graduate), multiple credit cards, and a car.
I am working part-time as well as completing an internship for school. I intend to graduate mid-July 2020. In the meantime, I am looking for other ways to slowly chip away at my debt.
I hope to use this space as accountability and inspiration from the #debtfreecommunity . Welcome to my journey to debt freedom! 🌿 .