About 2 months ago, when I started summer vacation, I posted my goals for the break. Well, I am sad to say that summer break is officially over. Today is my LAST day before it's back to the grind of the school year. I figured that was the perfect time to check in with my summer goals.
1. Make big progress towards BS3- by the end of this month, we will have put close to $8,800 towards our emergency savings between June and August. Although we took it easy at the beginning of the summer, our big time hustle the rest of the summer made a huge difference for us.
2. Build @babystepping2freedom into a business: this one is hard for me to say the goal is "met" because what does that even mean? I am choosing to be intentional with the efforts I put in to the content I share here. I have continued to grow my YouTube channel and have finally made GOOD progress on my website. Calling this a "business" is just a mindset and I feel like this summer has gotten me there!
3. Tackle continuing education to move up the pay scale: When the summer started, I needed to complete 54.5 hours. As of today, I have successfully completed 30.5 hours which means I only have 24 hours to go. Although summer break is over, I have until October to finish these hours. 30.5 hours is A LOT of time spent on continuing education, so I am calling that a win.
I left my goals pretty broad because its hard to know what summer will hold. I also wanted to leave time for things that I enjoy, spontaneous trips, and mornings to sleep in. As summer break comes to a close, I am happy to report that not only have I hustled to meet my goals, I have also had tons of fun. This summer is a WIN! Now... back to work!
0 74 minutes ago
Start your future today. 👏 Credit coaching can offer solutions to paying off your credit card debt. A financial coach will review your income, expenses, and any debts you owe. Get started!
The problem with a bigger house is that it costs more to furnish and much more to maintain! Lenders typically approve you for way more than you can afford so make sure you can actually afford the home. My recommendation is that your home should not be more than 25-28% of your monthly take-home pay. The last thing you want is to be house poor and for the bulk of your paycheck to be taken up by mortgage payments and household expenses. .
For more nuggets like this on how to win with your finances, check out my book Got Debt? The 7 Bulletproof Steps to Debt Freedom. Link in bio!
6 3914 minutes ago
Real world solutions for real world challenges. Here’s what Money Launch Club member Moniqa had to say about what she’s been able to do since joining the club:
“I faced real-world challenges before joining the Money Launch Club. However, since joining, I’ve paid off my student loans, increased my savings rate, and I'll be completely debt-free in just a few months.”
You can do this too! Join us by clicking the link in my bio @journeytolaunch and find your community to help you reach your financial goals!
1 516 minutes ago
More Gouda: whilst the old architecture is so amazing, it’s also intriguing to see how they managed to retain the water levels without flooding streets and houses.
Another interesting fact: Did you know that the cost of 1 tulip bulb, ‘semper augustus’, was 3000 florins in the old days?
This was equivalent to 8 fattened pigs, 4 oxen, 12 sheep, 4 barrels of beer, 2 tonnes of butter, half a tonne of cheese, a ship, a silver goblet, clothing, a mattress, 24 tonnes of grain, 48 tonnes of barley, and almost a thousand lites of wine.
So what would you prefer: one bulb that would flower for a few weeks or a ship with enough food and drink to keep you going for a long time? 🤔
Let our team help you reach your financial goal of owning a home!
Begin your application online by visiting www.TrinityOaksMortgage.com or call 469.552.5600 to speak with a Trinity Oaks Mortgage Loan Officer today.
A couple of weeks ago I had the pleasure to share my knowledge about property finance with an eager room of property investors. I’m delighted that @partnersinproperty have asked me back to not only their London meet but also their Birmingham meet. For more information please comment “I’m Interested” below and I’ll be sure to get you the details you need. 🤙🏻🤙🏻
Follow @thesamnorris 👈🏻👈🏻
I don't know about you but I do not know a soul who has ever used credit cards with a 0% APR. Surprisingly, all credit cards have 0% APR as an option. However, you pay off your full balance on time and at the end of every monthly billing period. The issue is that most of us cannot afford to do this. Because of this, a typical rate of 15-20% will be charged and is most common among credit card users. •
Do your research for #creditcards that offer lower rates. Be sure to always confirm what your rate will be after the introductory period is over.
3 51 hour ago
When you have an emergency fund you have inconveniences not emergencies! Dave Ramsey recommends a $1,000 starter emergency fund until you are debt free. Once you are debt free you need to save 3-6 months of your household expenses. I recommend that my coaching clients save 6 months of expenses. - - -
Another happy educator using Banzai! Thanks @westconsincu for sponsoring Banzai in your community. .
“On behalf of my with grade civics students, thank you for supporting this program. Banzai was a strong support for my finance unit. Student enjoy working through the program and have grasped the concepts. Thank you again for supporting financial literacy.”
You know you need a retirement plan, but you're not sure where to start. I can help you with a step by step plan to future financial freedom.
1 21 hour ago
Receive #forexanalysis from experts backed by great #technicalanalysis .
Save countless hours analyzing charts. We do the work for you, finding you the best trade setups for the day and sending them to you as a #forexsignal .
Get started now with the best signal service in the industry. We’ll be the last signal service you ever join! 😇 •
I’ve had my struggle of people in my life that said “you’ll always have a car payment” or “car payment’s don’t rob you if your wealth” ... or “you need to live your life now, we aren’t promised tomorrow” or “it’s only money, you could make more”.
Surprisingly most of these comments came from friends. My family is generally supportive of our journey - my best friend and I talk about finances a lot, and she’s always supportive. (She currently just bought a house in the Bay Area and house hacked to get their part of the mortgage less than their rent was).
Everyone else who would criticize us, I’d stop talking about money because they just didn’t get it. When I looked at their financial situations it wasn’t where we wanted to be.
Don’t be discouraged if people don’t understand your journey. They will question how you got there later.
3 202 hours ago
While taking off a snowflake payment I made I realised that I hadn't added up all of my debt properly. Part of me is like, "ouch"... The other part is happy that I know have everything recorded correctly... Onwards and upwards I guess!
Look at this adorable house my brother-in-law and his wife have in their backyard🏡! It used to be a shed, but they ran electricity⚡ to it, added insulation and installed fancy windows. Now it’s a functioning house with heat and air conditioning! My sister-in-law’s sister currently lives there and takes care of her nephew while his parents are at work👶. So many #frugal wins all around🙌🏾!
1 293 hours ago
We welcome investors for our next real estate FixNFlip. Drive by our current project at 150 Meadowvale Drive in Etobicoke. All investors are protected by a registered mortgage on title.
The Stealthy Rich know that having the financial freedom to live life on your own terms is greater than money and stuff.
Intentionality is really the name of the game.
The Stealthy Rich don't deprive themselves or live in caves.
We just put our freedom above all else.
Since we were young, The Stealthy Rich understood that the choice was our money or our lives.
Every dollar spent was a dollar that couldn't be saved to purchase our freedom from the financial slavery our society has labeled and educated as normal.
Our society has brainwashed itself into thinking that we will be happy if we buy that new pair of shoes, or drive the new fancy car, or live in that next bigger house.
It's a never ending cycle that creates depression and anxiety.
The Stealthy Rich understand that money is simply the tool we can use to buy our freedom.
Money isn't the purpose, it's the tool.
The purpose is freedom to live on our own terms and not be prisoners to the 9-5.
So next time you pull out the VISA or slip through the quick drive through, or decide you need a new backsplash, think about whether you would rather spend the money or save for the ultimate purchase, which is YOUR FREEDOM.
You may still make the purchase, but that's the point.
You will have made an intentional purchase knowing the cost and what you are delaying or giving up.
Whatever you are doing, stop and create a timeline and a path to financial independence.
Then take small daily steps towards that place. One day you'll wake up and be surprised when you are there.
The Stealthy Rich got there making small ordinary decisions that compounded over time into something extraordinary. You can too.
Follow them👇🏻. @thestealthyrich
2 53 hours ago
Another wave of amazon gift cards coming in from swagbucks. Currently sat on £90 in our account to buy some gifts and essentials.
Link to swagbucks can be found on our profile if you’re not already a member and interested
Me trying to pretend to be a planner person 😂 So I’ve been at this new job for about three months and I’m finally at the point where I’m like really doing stuff (that sounds super dumb) but that also means I come in and have about a dozen urgent emails and WOW that’s a bit much first thing. I’ve been trying to find a way to ease into my morning a bit more and I think that updating my planner might be that way?
I’m super pumped about the No Spend tracker because I was just trying to remember before and that so didn’t happen. And then I have a ton of stencils from the last time I tried to planner so I added in a water drop for each day which I’m using to indicate having gotten in at least a liter of water. I also have the bills for the week on there. I’ve got some fancier budgeting stickers but I didn’t have them on me when I went to put those items in so 🤷♀️
I would say I probably get more out of the month at a glance pages than the weekly ones. I tend to use a part of those for other things - like a grocery list - since usually my day is: work, gym (maybe), make food, chill, sleep. .
Are any of y’all hardcore planners? Were you always a planner or did you learn to be one? Is there hope for me? 😂😂😂
2 33 hours ago
We went on our first cruise last year to the New England states and Canada. One of the things that was important to us was to pay cash for the trip. So, we booked our cruise a year in advance and then began saving monthly.
We were able to save money from several sources including my home based business. The amazing thing?!? We were able to take a 2 week vacation including visiting family, sightseeing in Washington, D.C., sightseeing in NYC, and a 9 night cruise. We were able to pay CASH for all of it!!!
Our tip: schedule your vacation in advance and save monthly. Stick to a budget while on vacation evaluating how much you are spending each day.
How do you budget for vacations?
⠀⠀⠀⠀⠀⠀⠀⠀⠀ #findinghealthandhappiness #thehealingfromwithin
Castles in the sky is an idiom meaning to create dreams, hopes, or plans that are impossible, unrealistic, or have very little chance of succeeding.
In a recent article from an insurance professional who advises other insurance professionals, this quote about illustrations stood out. Illustrations are insurance performance projections and just like most of a financial plan, can't be predicted with certainty. The issue addressed was that agents unknowingly are illustrating 9.30% thinking its 6% credited interest or higher.
When insurance is used for retirement savings, assumptions used can’t just be ink on paper. What results from grossly inaccurate assumptions is that clients don’t reach their goals. This means higher savings rates, longer working years, part-time retirement work, or a reduced lifestyle in retirement can result. Client futures are depending on competent advice. #feeonly#fiduciary#financialplanning
1 94 hours ago
Pips n profits 📈📊💸
1 54 hours ago
We know you want to save money. That’s why we offer Free Checking! Enjoy a low opening deposit requirement, no monthly maintenance fees, and convenient 24/7 access.
Do you actually believe that you can reach your dreams of becoming debt free, building wealth, achieving Financial Freedom & Independence? Where you get to choose what you do for work vs having to work just to pay the bills?
Belief + Action = Making you dreams reality.
If you’re looking for the support, tools, education and plan to make your dreams a reality, join us in the Money Launch Club by clicking the link in my bio @journeytolaunch (only 2 more days before enrollment closes!)
5 684 hours ago
Such a great read. Always challenge your mind and grow with the books you read. Let’s put this to work now!
I'm against careless spending. Unintentional spending.
There's nothing wrong with earning more. Are you earning more to spend money on things that you are going to be unhappy with a month later?
Honestly you guys it's a struggle every week for me. I struggle with wanting things, with the Yolo mentally, with the my kids deserve this mentality, the I grew up poor so it's okay to want more mentality.
Truth of the matter is there are some things that I just don't need. That I'm just emotionally attached to for the moment.
Those dollars would serve me better in a brokerage account.
Spend 👏🏾 Less 👏🏾.
34 1,01217 August, 2019
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