We’re extremely motivated ( #mondaymotivation ) by the budgeting practices of blogger, Kumiko Love. Even with a successful career in finance, Kumiko struggled to pay off her debt after trying every budgeting method out there •
Then she developed her own system, which she calls “the budget-by-paycheck method”. Kumiko says “When I started budgeting my money by paycheck every single time I got paid, and I was allocating every dollar for a purpose when I received my paycheck, I started finding myself succeeding, I started finding myself actually saving money and having more to throw down towards debt,” •
The result? Paying off $77,000 in three years.
Kumiko is founder of the popular personal finance blog The Budget Mom (@thebudgetmom) •
PSA: It’s never too late to start your financial journey. 👩🏻💻
Everyone grows at different rates, given their certain circumstances and lifestyle choices. You can always start saving now. Small movements are always movement forward. I have friends who feel like they’re behind schedule, with debt and no savings, but I tell them that life isn’t and shouldn’t be a race against others; it’s only an improvement process of self. There needs to be a plan, and you must follow it consistently. You can get there, you just have to put in the work. Financial education is incredibly important, and more of us need to talk about it openly with one another.
That’s why I like the FIRE community so much; everyone is so open minded, nonjudgmental, and eager to help one another at all stages of their journeys. ✨
Stop making excuses and get it done!⠀⠀⠀⠀⠀⠀⠀⠀⠀
Your deserve to live your best, healthiest, most prosperous life.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Save Yourself and let's start reaching those goals TODAY!
Start by grabbing The Hustle is Real Bundle and increase your income using your skills and gifts. With the bundle, you will receive a MasterClass Replay, How to Turn Your Hobby into a Hustle Weekend Planner, and 10 Must-Have Tools to Use for your Side Hustle Cheat Sheet.
Happy Sunday! 🌟
I discovered my tree got stronger with deeper roots and bigger branches. They will provide me with more stability and shade.
One of my yoga instructors says it’s like peeling an onion by shedding the layers and one day you will reach the core.
If I keep showing up for my yoga practice, I will one day get my desired results. The same is true in any area of your life that needs growth.
I give thanks for all these fantastic things that are happening.
1 1916 hours ago
@younghstlrs Let me be the first IG account to introduce you into this very exciting business model 😂. DISCLAIMER: -If you're butthurt because you're a 69 fan feel free to post your anger in the comments as stress relief and for my amusement - no I don't know if 69 is an outfluencer here, I just use him to explain the model as he made songs with lyrics like "her p*ssy tastes like skittles" which is pathetic and brand damaging af - please understand the word "humor", here's a short definition:
The quality of being amusing or comic, especially as expressed in literature or speech.
Have a great Sunday!
1 316 hours ago
Hi I’m Nicci, Finance Coach to Millennials. I can help you gain control of your finances as long as you are honest with both of us about where you currently are and you are willing to do the work required to stop surviving and start living a life of you own design.
Click the link in my bio if you need help getting started on your financial journey or to discuss our DIY options.
Just because you have money in the bank doesn't mean you are living your best life. Financial freedom is all about finding purpose to live your best life with no financial issues/debts to slow you down.
Contact us today for your free consultation to see how we can help live your best life!
What’re you up to today?
I was at a local used bookstore looking for books to send to @Mel.bell.loves for her new classroom when I stumbled upon a copy of this book!
It was kismet and now I’m on my balcony with my dog, husband, and a beer in hand reading this fantastic book. Seriously, she’s in my damn head, like these are my words! Loving it and I’m still on the introduction. Maybe we need another book giveaway....
I probably won’t need to buy any more groceries for the week but I do have over a third of my budget left over. I’m going to Panera tomorrow to meet with my realtor for the first time so I’ll probably grab an iced tea or something there that can come out of the groceries.
Don’t wait till it’s too late, time is needed to create your plan of action, and to execute it, allow yourself the necessary time.
Being prepared for whatever comes our way is the smartest thing we can do for ourselves and our family. If you have been following me, you don’t get to say I didn’t know a recession was coming. Remember
A recession is a natural reset that happens every 8 to 10 years.
I’ve been ringing the bell and sounding the alarm for some time now. What you do with the warning is up to you.
Shout out to the individuals who have stepped up. We have created your personalized plan of action to ensure the impact of the next recession will be minimal to you and your family.
Is there one financial decision that you regret? Issa yes for me!😩
In 2015 I received a 5 figure settlement check from a car accident. I had no plan for the money and I blew it. 😩
The next time I receive a lump sum of cash like that, I'll be much wiser. 😎
What about you? Any money mistakes you care to share? How would you handle the same situation if it happened now?
3 2617 August, 2019
Debt keeps you enslaved to your past. Going debt free means that you are giving to your future.
Contact us today for a free consultation on how together we can plan for your future and free yourself from the past!
So how did your week go? What goals and successes did you celebrate?!
Share your wins in the comments 👇
Remember to celebrate the big and the SMALL!!!
Contact us today for a free consultation to learn how we can help you win at personal finance!
I’m working hard on a free webinar & my new ebook, filling it with answers and actionable steps to some of my most asked spending plan aka budgeting questions. Help me pick the cover! Leave your comments & vote👇🏽 .
When I was a kid, I used to beg my dad to let me wash his cars so I could get $5 for movies haha 🚗
I definitely don’t come from a strict household with Asian parents who wanted me to become a lawyer or doctor; they gave me free range and freedom to do what I wanted. Or maybe they knew they couldn’t peg a circle into a square. I went from Communications to Journalism to PR to Chinese to International Business in college, and kind of just stumbled my way around life and finally found a tech job I love. I plan technical events for developers; though I’m not technical myself and cannot code, I’m their project manager and like to think of myself as the glue that holds our team together and accountable.
There was a huge jump in my current pay because 1) I found out my value add and worth was more than I thought, 2) there were other companies who were willing to pay me more, and 3) I leveraged offers to get my raise. I leave my current salary as xxx,xxx because I am a bit uncomfortable showing it since colleagues have seen my IG in passing and made remarks.
But anyways, I’ve been in a lot of customer support, administration, and events roles, which have kind of bubbled up and made me Into a person with multiple thinking caps. Starting from SFSU Dept of Counseling, the salaries are specific to San Francisco. 🌆 for comparison, I know people with my same title get paid $80K-$140,000 depending on experience.
Bills, Bills, Bills...⠀⠀⠀⠀⠀⠀⠀⠀⠀
What feeling did you have when you saw the word 'bills'?⠀⠀⠀⠀⠀⠀⠀⠀⠀
Was it negative? Depressing? Overwhelming?⠀⠀⠀⠀⠀⠀⠀⠀⠀
Bills can, obviously, cause a lot of stress for people! Due dates to keep on top of, 'giving away' your money, late fees when you forget to pay on time, the list goes on and on.⠀⠀⠀⠀⠀⠀⠀⠀⠀
What if I told you that you didn't have to think of your bills that way? No, really, bills don't have to be a whole 'thing' anymore!⠀⠀⠀⠀⠀⠀⠀⠀⠀
Once you change the way you think about your bills and get a handle on keeping on top of them, bills won't get any sort of reaction out of you!⠀⠀⠀⠀⠀⠀⠀⠀⠀
Start by looking at the latest bill you have. Whether it's your cable, internet, or cell phone bill, I want you to think of exactly what you got out of the deal. Be grateful that you are able to pay this bill for the service it provided! You can bet I'm super grateful to pay that internet bill, because without internet connection, I wouldn't able to chat with you!⠀⠀⠀⠀⠀⠀⠀⠀⠀
Once you bring gratitude into your bill paying process, you'll forget why you were even annoyed to begin with!⠀⠀⠀⠀⠀⠀⠀⠀⠀
Next, I prefer to always pay my bills RIGHT AWAY! If they're not set up on auto-draft, as soon as I get the email, that bill is getting paid RIGHT THEN AND THERE!⠀⠀⠀⠀⠀⠀⠀⠀⠀
Another great tip I used at the beginning of my financial overhaul journey, is to put the bill due date in your phone with a reminder that goes off! (I would lie to myself a little here and put the due date a few days before juuussttt incase the website was down or any other unforeseen situations came up) This way you'll NEVER forget to pay a bill again, and late fee's won't even be an option!⠀⠀⠀⠀⠀⠀⠀⠀⠀
How do you stay on top of your bills? Let me know in the comments!!⠀⠀⠀⠀⠀⠀⠀⠀⠀