#personalfinances

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I was lured in by a… . . . free t-shirt. Today you couldn’t give me a free anything. I’m very careful about what I bring into my home, but it wasn’t always this way. My debt accumulation started in college. As a freshman, during the first week of school, I was lured by a t-shirt. It wasn’t even a nice t-shirt. But I said yes to debt with a freebie. There was nothing free about that t-shirt. College is where my story with debt begins. This story probably sounds a lot like your first experience with a credit card. With a whopping interest rate of 22% I went swipe happy as if the $3,000 credit limit was real cash in my hand. That plastic burned a hole in my pocket and before long, I charged up and nearly maxed out the limit. An 18-year old business student should have known better, but I ignored the fine print, turning a blind eye to the charges, telling myself that I would take care of it “later.” The only smart financial decision I made during those college years was to not open up another credit card. Near graduation at 24 years old, I carried that same $3K balance on one card. Over the years I paid it down, just enough so that it could rise back up again from all the interest charges. I shared my secret with one person, my older sister. In one of the most humbling moments of my life, she offered to wipe out my debt on the condition that I would pay off my loan to her once I got paid from my first job out of college. She didn’t charge me interest. Just as relief flooded over me, borrowing from my sister left a bad taste in my mouth. I made good on my promise and paid off the loan. That was the day I promised myself never to get into credit card debt again. I’ve kept that promise to myself all these years later, but I still remember how it felt to “owe” my sister. Here’s the math. A $3K balance carried for 6 years at 22% is nearly $4K in interest. I paid $7K for something that could have cost $3K. Did you get your first credit card in college? Please comment below, I’d like to know if we share the same experience. Thanks for joining me for Financial Freedom Friday! Every Friday I will share my debt free journey through personal stories.


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  #budgethack   Picked up this plain old spin bike from Facebook marketplace for $100,   @wahoofitnessofficial   cadence sensor as a Christmas gift, and my in-laws were nice enough to let me hop onto their account to use the   @onepeloton   app. . . If I find I’m getting a lot of use out of this set up THEN maybe I’ll consider splurging for the real deal. But for now this works just fine!


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Here at   #Automate100  , we offer you free financial tools and educational materials designed to teach our users how to budget and automate their   #PersonalFinances  .   #AutomatedTransactions  


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Looking for a real estate investing podcast? Check out The Everyday Millionaire! . . .⠀ .⠀   #motivation     #mentalhealth     #inspiration     #personaldevelopment     #mindfulness     #personalgrowth     #anxiety     #success     #lifecoach     #loveyourself     #coaching     #selfimprovement     #mindset     #bookstagram     #goals     #leadership     #selfdevelopment     #personalfinances     #financialfreedom     #read     #money     #knowyourworth     #howto     #learn     #financialindependence     #financialgoals     #listen     #love     #selfhelp     #podcast  


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  @businessmasterplus     @josh  __kuo : when I was younger I tried to do things perfect... but trying to be perfect is the biggest recipe for failure... you know why? Because perfectionists never start! ——————————————————— 👉  @businessmasterplus   Follow   @themoneymakingpage   👉 Follow   @investingsimplified   👉 Follow   @investingmentors   👉 Follow   @bitcoin  .page 👉 Follow   @josh  __kuo ———————————————————   #financememes     #bfifinance     #sucessofinanceiro     #businessmasterplus     #financeteam     #womeninfinance     #planejamentofinanceiro     #personalfinances     #financegoals     #independenciafinanceira     #personalfinance     #financeira     #dicasfinanceiras     #bcafinance     #liberdadefinanceira     #financetips     #gestaofinanceira     #vidafinanceira     #adirafinance     #financecoach     #finance     #inteligenciafinanceira     #adirafinanceid  


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50/30/20 every Payday. Payday is today! Is everyone ready to budget? We recommend that if you are new to budgeting or don’t have a solid idea of what works for you, that you give the 50/30/20 Rule a try. Take up pay divided up into... 50% NEEDS 30% WANTS 20% SAVINGS IF for some reason 50% does not cover all needs than change it to 60/20/20 until all needs are met, tapping into savings last. We will get into more personal financing in the future. Finances is a key to the image game, you cannot unlock your unlimited potential without these skills!!!   #503020     #503020rule     #payday     #paydaytoday     #friday     #fridaypayday     #budget     #budgeting     #personalfinances     #personalfinance     #finances     #finance     #financegame     #needs     #wants     #savings     #budgetplans     #budgetideas     #coverallneeds     #personaldevelopment     #imageconsultant     #imageconsulting     #budgetingforyourfuture     #future  


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Like & comment for good luck in the stock market 📈 - - ✅ follow   @edsfinance   ✅ follow   @edsfinance   ✅ follow   @edsfinance   - START INVESTING TODAY! [How to appear on the Wall of Fame] 1*Download ‘eToro’ today from your App Store. 2*Search ‘edburns’ and add me to your watchlist. 3*Screenshot and send me proof via Direct Message to appear on the wall of fame! - - -   #finances     #money     #financialfreedom     #finance     #financetips     #business     #entrepreneur     #wealth     #personalfinance     #debtfree     #investing     #debtfreecommunity     #financial     #debtfreejourney     #budgeting     #financialliteracy     #budget     #success     #investment     #financialeducation     #moneymanagement     #moneytips     #personalfinances     #financeblogger     #tesla     #investing     #passiveincome     #education     #motivation     #entrepreneurship  


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Should YOU go to university? Read below ⬇️ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ It’s a very subjective question. I do not agree that university is an objectively bad investment. For many people, university is a great life experience that is priceless. It can also help develop your skills and improve your employment opportunities. However, it is also very expensive and the opportunity boost is constantly narrowing and many people would enjoy going into work more than university.⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ You need to block out whatever family, friends, teachers and influencers are saying. You do what you think is best for you and will maximise your happiness in life. I’m at university and I’m glad I am despite having an entrepreneur mindset. Make your mind up. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Do you think university is a bad investment? Comment below and let me know. 💬 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Follow   @InvestEarnSave   to enrich your financial future. 📈 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ * Investing tips. * Earning from entrepreneurship and social media. * Saving and managing money. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🟡⚫️ ⠀⠀⠀⠀⠀⠀⠀⠀⠀   #daveramsey     #financialeducation     #financialindependence     #moneymaking     #corvettefamily     #whorunstheworld     #creativeentrepeneur     #corvettez06     #buildwealth     #goalchaser     #entrepeneurlife     #debtfreeliving     #entrepeneurship     #debtfreedom     #debtfreegoals     #corvettelifestyle     #daveramseybabysteps     #entrepeneurs     #financialsuccess     #corvettec7     #entrepeneurlifestyle     #personalfinances     #personalfinanceforwomen     #moneyminded     #corvettezone     #financialfreedomstartshere     #roadtofinancialfreedom     #investearnsave   ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Follow   @InvestEarnSave   to enrich your financial future. 🗣


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On 2/20/2020, Dominos Pizza 🍕 reported a stellar earnings beat sending the stock up over 25%. Dominos (DPZ) reported Q4 2019 earnings per share of $3.13 (Adjusted) vs. $2.93 Expected and Revenues of $1.15B vs 1.13B Expected. The CEO👨‍💼Ritch Allison told analysts that higher royalty revenue from franchises and lower general & administrative expenses drove the increase in earnings per share. Dominos pizza has been one of the strongest performing stocks gaining over 1700% since 2011. Analysts attribute such a strong stock performance on the company’s ability to execute and its focus on technological improvements that have greatly improved its efficiency and staved off competition. Another interesting strategy that Dominos has implemented that has seemingly improved its performance is called Fortressing. This is an aggressive expansion strategy where new restaurants are opened near existing ones to improve customer delivery times. This strategy has kept it competitive with food delivery services like UberEats and DoorDash. Do you think Dominos (DPZ) will continue to execute and outperform the market over the next few years? 🍕 💸   #dominos     #investing     #invest     #investor     #entrepreneur     #business     #businessman     #business     #growthmindset     #accounting     #finance     #mba     #businessschool     #studygram     #cpaexam     #cfaexam     #flynancial     #stock     #stocks     #stockmarket     #stockmarketinvesting     #personalfinance     #personalfinances     #financetips     #money     #wealth     #wealthbuilding     #businessman     #ceo     #businessowner     #cnbc     #pizza  


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Book Review 💥⁣⁣⁣⁣⁣ Rich Dad Poor Dad by Robert Kiyosaki ⭐️⭐️⭐️⁣ ⁣⁣⁣⁣⁣ Apparently this book had revolutionized personal finances. It makes sense — being told that working will not bring financial freedom and hearing about something called “financial literacy” must have been groundbreaking. However, 20 years later, the book is just 40% chicken soup, 20% bragging and self-plugging, 20% helpful information, and 20% repetition.⁣ ⁣⁣⁣⁣⁣ Kiyosaki spends much of the book describing his success to bolster ambiguous suggestions. For instance, he reasonably suggests lifelong learning, but then supports it by saying that he had spent a few hundred dollars to take a course on investing and consequent garnered millions of dollars.⁣ ⁣⁣⁣⁣⁣ Another problem with this book is its impracticality. I kept waiting for him to actually discuss his theories on investing, only to read near the end something along the lines of, “some of you must be disappointed by the lack of practical advice, but this book is more about changing your mindset.” Well if this was the case, you could have said so earlier.⁣ ⁣⁣⁣⁣⁣ That said, I did find interesting and even helpful tips. One concerns the definition of “active assets,” which many people believe would include their home. However, the home is actually a passive because it is not something you can sell to counter a crisis. This is also true from personal observations. For instance, although the house prices in Vancouver have skyrocketed in recent years, many people who own valuable homes cannot actually sell them without leaving the area, so owning a more expensive home might not actually give more financial freedom. I also learned about the cash flow diagram, which explained the importance of maintaining actives, owning a company, and paying oneself first.⁣ ⁣⁣⁣⁣⁣ Despite these redemptions, I cannot help but feel that this was $25 thrown away. I am also perplexed by the fact that Kiyosaki published numerous other books after offering so little in his masterpiece. However, he did say that one way to earn passive income was to write. So I guess he just took a page out of his own book.⁣ ⁣⁣⁣⁣⁣ And is definitely having success with it.


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You have to make an extra income to start your financial freedom. Look at it this way. Do you get motivated? ⁠ •⁠ 🔥Daily Rich People Education Posts🔥⁠ •⁠ 👉TAG👈 👍LIKE👍 ✍️COMMENT✍️⁠ •⁠ 👉Follow   @richpeopleeducation  👈⁠ 👉Follow   @richpeopleeducation  👈⁠ 👉Follow   @richpeopleeducation  👈⁠ •⁠ 🔔Turn On Post Notifications🔔⁠ •⁠   #business     #entrepreneur     #rich     #wealth     #investing     #businesstips     #WorkFromHome     #realestate  


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It has been said that financial mastery is 80% mindset and 20% knowledge and I have found this to be true.⁣⁣ ⁣⁣ Once you have a plan and dedicate yourself to completing your goals you can create the life you love.⁣⁣ ⁣⁣ What steps have you taken to improve your financial mindset? Share in the comments below.⁣⁣ ⁣⁣ ⁣⁣⁣   #goalcoach     #budgetingtips     #financialeducator     #financialeducationservices     #financialeducationmatters     #debtfreelifestyle     #debtpayoff     #debtpaydown     #debtfreecommunity   â  #tellyourmoneywhattodo     #moneymindset     #financialcoach     #savingschallenge     #howtobudget     #budgetweekend     #budgeting     #moneymanagementtips     #debtfreejourney     #thebudgetnista     #debtsnowballmethod     #budgetplanning     #moneymanagementtips     #moneygoal     #personalfinances     #personalfinanceforwomen     #personalfinancecoach     #savingmoneyisfun     #savings     #budgetnista     #moneymanagment  


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Friday Focus:Trust the Bible to keep things really real! I stayed out of Target all week. Why ? Because I was looking for excuses to spend and being played for a fool. Because I was allowing my lack of self -control and my feelings to guide my spending decisions. I looked back at my receipts for Janaury and I was in Target almost 👏🏾every👏🏾day👏🏾! I traced this back to some anxiety I was feelings about work. Remember: Thoughts ➡️ Feelings ➡️ Actions. Thoughts influence feelings and in turn influences action. The remedy: identify the source of the feeling and think of ways to manage them. Push through fear by taking action. Manage your thoughts. Have a GREAT weekend, spend thoughtfully!   #thriftedandstyled     #thriftedstyle     #thriftedclothing     #moneymanagement     #budgetlife     #moneygoals     #forbesmagazine     #forbeswomen     #moneymag     #debtfreegoals     #debtfreesingles     #personalfinances     #personalfinanceforwomen     #debtfreecommunity     #kiplinger     #winterstyle     #springstyle     #debtfreeliving     #2020goalsetting     #savemorespendless     #financialeducation     #thriftedandfitted     #payingdowndebt     #personaldevelopmentgoals     #personaldevelopmentjunkie  


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✨SPEAKER ANNOUNCEMENT✨ Mary Agbesanwa will be speaking at our “Maximise Your Money” event next Wednesday 26th Feb. Mary Agbesanwa is passionate about the future of the financial services industry. Mary works as a Management Consultant at PwC UK advising banks and fintechs through operational and technological change programmes. She also co-leads the firm’s Multicultural Business Network which celebrates the multiculturalism of PwC’s UK firm. Outside of work, she blogs on her Medium blog A Millennial's Diary about careers and personal development for millennials, and co-runs a female millennial self-development and entrepreneurial community called Now You’re Talking. She has twice been awarded Number 13 in the EMpower Top 50 Ethnic Minority Future Leaders List and is featured in Brummell Magazine's 30 Ones to Watch in 2019.   #finance     #personalfinances     #blackexcellence     #greatness     #happyfriday     #fridayfunday     #speaker     #guestspeaker     #event     #money     #moneymoves     #getyourtickets  


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If you saw my IG story from yesterday, you saw that I mentioned "I couldn't pass up a good sale!". Some of y'all may have been confused by that, so let me explain... - On days when the market drops, think of it as a sale - you get to buy that stock you've been watching but that may have been too expensive (or overvalued) at a discounted/lower price...just like when you see those shoes, or that bag, or that TV you've been looking at go on sale and you finally decide to buy it. - Now, as always, there are multiple factors that you want to consider before deciding to buy but that's the basic idea here. 👌🏾 -   #InvestingCanBeSimple     #InvestmentSuccess     #BecomeAnInvestor     #StockMarketInvestor     #WallStreetInvestor     #InvestmentTipsForYou     #InvestingInYourself     #InvestingInTheFuture     #InvestingTips     #InvestingForUs     #FinancialFreedom     #PersonalFinances     #InvestmentTips     #FinanceTips     #MoneyTips     #FinanceManager     #PersonalWealth     #FinancialWealth     #FinancialManagement     #InvestmentSpecialist     #ForTheInvestors     #BeginnerInvestor     #StockTrading     #TradeStocks     #StockMarkets     #WallStreetTips     #WallStreetInsight     #ForTheCulture     #WeProsper     #CulturedWealth  


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So a few things..⁣ This IG will become more personal. 🧎🏻 For months, I was trying to figure out what was the best content to put forth and had analysis paralysis. Going forward, everything will just be content I learn on the way and how I’m managing my finances. I’ll be posting more, or trying to 😅 ⁣ ⁣ 😁 ALSO, I GOT A REMOTE PART TIME JOB! It pays less than my current job, but I realized this works out perfectly since I will be traveling and on the go. I reached out to a contact of mine that used to collaborate with me; he runs an organization that specializes in AI/ML (super techy) conferences and asked if he needed someone to help out. Since we’ve worked together before and i am familiar with this space, he was completely open to the idea—it was good timing too because they were looking for someone. I may travel for 2-3 months then and live in low cost of living areas in Asia. ⁣ ⁣ I’ll be helping with crafting social media content and strategy, as well as managing specific events. They are hosted in SF, Seattle, NY, and even Beijing. I may get to travel ✈️. ⁣ ⁣ It just goes to show that it’s so, so important to network and continue making contacts. 👩🏻‍💻


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If you are in the Atlanta area, I would like to extend a personal invitation to join me on February 22nd. Get valuable information about your Health and Finances. It's like going to a one-stop shop to get every important aspect your life advise. I look forward to seeing you there. 👍🙂🍎   #budgetingtips     #financialsuccess     #savingtips     #personalfinances     #financialplanning     #paycheck     #wealth     #wealthy     #myecon     #businessplanning     #businessowners     #newyearresolution     #networth     #alparker     #financialliteracy     #taxpreparation     #money     #financialservices     #taxlaw     #plan     #church     #christian  


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Adulting is not what I expected. Being an adult is hard. We want to live in the moment, but at the same time, saving money, investing and learning to live like a responsible grownup is just as important. What makes accomplishing these things harder is when we try to deprive ourselves while trying to achieve those long-term goals. It’s okay to save, invest, and simultaneously enjoy your life. The idea is not that you deprive yourself to the point where when you reach your goals you fall back into poor financial habits. Instead, the goal is that you create a healthy relationship between making smart financial decisions and enjoying life. It’s really about creating a balanced lifestyle. Don’t think of it as budgeting but rather a lifestyle change.   #blackwealth     #businessquotes     #wealthbuilder     #personalfinance     #personalfinances     #groupeconomics     #financialeducation     #financialliteracy     #money     #save     #savemoneylivebetter     #savemoney     #savemoneytime     #creditrepair     #credit     #debtfree     #debtfreegoals     #money     #collections     #debt     #creditscore     #creditrestoration     #generationalwealth  


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It's never too early to start saving for retirement. Saving early means your money will have more time to earn a larger amount of compound interest.⁣⁣ ⁣⁣ For more retirement planning tips, visit the links in our bio.⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣   #babyyoda     #babyyodamemes     #babyyoda  💚   #retirementplanning     #retirementplan     #rrsp     #financialindependence     #financialindependenceretireearly     #firecommunity     #firemovement     #debtfree2020     #debtfreeliving     #debtfreegoals     #savingschallenge     #moneymanagement     #wealthbuilding     #moneymatters     #millennialmoney     #personalfinance     #financialgoals     #financialfreedom     #financialeducation     #personalfinances     #financialplanning     #financialplan     #moneygoals     #moneysaver     #moneysavingtips     #moneymanagement     #retirementgoals  


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We all want money now. We also want abs and that nice vacation at Hawaii now. But everything takes time. - Remember that every thing takes time, so don't compare yourself to another persons success. Work on yourself and strive to work hard on your finaicial goals. - You'll get there. - - - - - - Follow   @elitealphafinances   for more. - ---------------------------------------------------------------------------   #elitealphafinance     #finance     #money     #investment     #finicialtips     #savings     #personalfinances     #financialeducation     #financialliteracy     #moneysmart     #smartmoney     #moneymanangment     #retiremundfund     #moneyhacks     #wealthbuilding     #wealthmindset     #frugal     #frugalliving     #budgeting     #budgettips     #startsaving     #savingmoney   ---------------------------------------------------------------------------


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Reposted from   @mitchsmastermind   20 ways to improve your personal finances💰 . Do this⤵️ . Take 5 things off this list👆🏼 . Write them down📝 . Commit to them for 90 days⏰ . Build new financial habits into your life 90 days at a time📈 . . . ————————————————————————-   #financialeducation     #financialliteracy     #moneysmart     #smartmoney     #personalfinance     #personalfinances     #moneytips     #financetips     #moneymanagement     #retirementfund     #moneyhacks     #wealthbuilding     #wealthmindset     #frugal     #frugalliving     #budgeting     #budgetingtips     #startsaving     #savingmoney     #incomestreams   -   #regrann  


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Like & comment for good luck in the stock market 📈 - - ✅ follow   @edsfinance   ✅ follow   @edsfinance   ✅ follow   @edsfinance   - START INVESTING TODAY! [How to appear on the Wall of Fame] 1*Download ‘eToro’ today from your App Store. 2*Search ‘edburns’ and add me to your watchlist. 3*Screenshot and send me proof via Direct Message to appear on the wall of fame! - - -   #finances     #money     #financialfreedom     #finance     #financetips     #business     #entrepreneur     #wealth     #personalfinance     #debtfree     #investing     #debtfreecommunity     #financial     #debtfreejourney     #budgeting     #financialliteracy     #budget     #success     #investment     #financialeducation     #moneymanagement     #moneytips     #personalfinances     #financeblogger     #tesla     #investing     #passiveincome     #education     #motivation     #entrepreneurship  


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𝐈𝐭'𝐬 𝐚𝐥𝐥 𝐚𝐛𝐨𝐮𝐭 𝐬𝐚𝐯𝐢𝐧𝐠 𝐁𝐄𝐅𝐎𝐑𝐄 𝐬𝐩𝐞𝐧𝐝𝐢𝐧𝐠. ⁣ ⁣ Do you agree with what Warren Buffet says? If so, double tap on the picture and tag a friend who needs to hear or read this right now. ⁣ ⁣ Follow   @communitytaxservices   for more   #financialliteracy   quotes like these.⁣ ⁣ ⁣   #financialfreedomfriday     #financialfreedomfridays     #warrenbuffet     #2020taxseason     #taxpros     #estateplanning     #financialconsultant     #financialtips     #financialsuccess     #financialempowerment     #personalfinances     #financialfreedom  ⁣   #crediteducation     #moneyquotes     #mindsetmotivation     #thinkandgrowrich     #debtfreecommunity     #personalfinance     #budget     #savemoney     #keytossuccess  


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  #financialproblems     #financialadvisor     #financialfreedom     #financetips     #financialindependence     #financialplanning     #finances     #finance     #personalfinances     #financialgoals     #duit     #kewangan     #pengurusankewangan     #moneyproblems     #moneymaker     #moneymoves     #moneymoneymoney     #malaysia     #kualalumpur  


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FINANCIAL GOALS ! . 50/20/30 Rule ! .   #financialproblems     #financialadvisor     #financialfreedom     #financetips     #financialindependence     #financialplanning     #finances     #finance     #personalfinances     #financialgoals     #duit     #kewangan     #pengurusankewangan     #moneyproblems     #moneymaker     #moneymoves     #moneymoneymoney     #malaysia     #kualalumpur  


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Vous luttez avec l'argent. Si vous pensez que vous n'êtes pas bon avec l'argent, vous ne serez jamais bon avec l'argent. Vous devez changer votre état d'esprit en pensant que vous êtes doué pour gagner, garder et gérer vos finances, ou que vous êtes quelqu'un qui est disposé à s'améliorer continuellement. C'est seulement alors que vous le ferez réellement. Un bon moyen pour y parvenir >> bit.ly/magify-your-life


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You can either lower your spending or increase your income or both. That gap is very powerful unless we give away our power to the shops, brands and everything that marketers wants us to buy. I want to have more connection, friendship, time with family and friends, volunteering, time in nature, creative work and so on. All of which costs nothing and gives so much value.   #moneyphilosophy     #personalfinances     #womenpower  💪   #moneyfreedom     #frugallife  


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The key to controlling your   #spending   comes down to one thing: setting   #goals  .⠀ .⠀ Once you have identified the   #financialgoal   you are working towards, you are better equipped to handle temptation.⠀ .⠀ And when you’re faced with temptation to splurge, think about your goal.⠀ .⠀ .⠀ .⠀ .⠀ .⠀ .⠀ .⠀ .⠀ .⠀   #livewellandprosper     #wellness     #healthcoach     #healthcoachsussex     #therapistsofinstagram     #wheeloflife     #goals     #2020     #circleoflife     #2020goals     #success     #motivation     #finances     #personalfinances     #financialgoals     #life     #belief     #personaldevelopment     #commitment     #millionairemindset     #micawberprinciple     #mindset  


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Time to ditch the food diet and focus on your financial diet instead 🍔 💪🏼 🍟. Let’s do some bank account push ups!!!


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  #Fridayword   Did you Know: Know more: DIVERSIFICATION Diversification is the act of investing in different industries, areas, countries, and types of financial instruments, to reduce the chance that all the investments will drop in price at the same time. Come Back on Friday to explore the new ‘Did you know’ Follow us on Instagram & Facebook Page : IndiaMoneyMart !   #finance     #personalloans     #personalloan     #loan     #loanmarket     #personalfinances     #financeblogger     #invest     #investment     #investor     #investors     #investor     #riskmanagement     #risk     #financialriskmanagement     #return     #saving     #p2p     #p2plending     #p2plendingindia     #p2plendingplatform  


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  #Fridayword   Did you Know: Know more: FOIR Fixed Income to Obligation Ratio is used by banks to determine the repaying capacity of a person. Banks consider the instalments of all the previous loans that are taken by an individual and their daily living expenses. By determining the total existing liability and expenses, banks can easily identify the disposable income that will remain with a person and whether or not they will be able to pay another loan’s instalment. There is a simple formula to calculate FOIR. FOIR = Debt+ Living expenses Net monthly salary100 Come Back on Friday to explore the new ‘Did you know’ Follow us on Instagram & Facebook Page: IndiaMoneyMart   #finance     #personalloans     #personalloan     #loan     #loanmarket     #personalfinances     #financeblogger     #invest     #investment     #investor     #investors     #investor     #riskmanagement     #risk     #financialriskmanagement     #return     #saving     #p2p     #p2plending     #p2plendingindia     #p2plendingplatform  


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There’s an awesome tool I recommend if you don’t know how much you need to save a month. It’s the R:IQ tool and you can find it on Chris Hogan’s website. You put in how much money you already have saved in retirement, determine your retirement “style” (travel, R&R, Family, etc.) and your ideal retirement date. Then it populates a number you need to save monthly to get there. You can mess around with the dates to see if you wanted to retire in less time, how much you would need. If you aren’t already planning for retirement, you need to get on it. Don’t let another year go by without contributing. You will have to make up infinitely more later if you don’t start today. Knowing my number and ideal goal gives me something to reach for. It takes 20 seconds and it really is important you know this. Look up your numbers and let me know how much you need to save a month and what age you plan to retire. xo, Tawnya themoneylifecoach.com   #retireinspired  


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Would you change your home loan if it saved you $ 300 per month?! Imagine what you could you do with those savings?! Call today to see how much YOU could save! . . . . . .   #financialgoals     #financemadeeasy     #homeloansmadeeasy     #homeloansydney     #blueprintfinance     #mortgageadvisor     #mortgageexpert     #mortgagepro     #homeloans     #homeloanspecialist     #mortgageandlendingspecialist     #broker     #mortgagebroker     #financegoals     #refinance     #financialfreedom     #mortgageloanofficer     #mortgagelender     #mortgagerates     #mortgagespecialist     #refinance     #costsavings     #financer     #broker     #financetips     #personalfinances     #financebroker     #financeexpert  


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I hate showing my finances because it's such a sensitive topic 🙈 like I'd rather talk about mental health any day 😂⁣ ⁣ But thank you to everyone who showed their support and recommendations after the💲post in my stories last night 💕 I've been thinking of making a budget video and sharing my finances, but I don't know if I'm quite ready for that yet 🤔⁣ ⁣ I'm just happy to share that I have my emergency fund now 💰, paid off $400 on my credit card since January, and paying the rest of my tuition out of pocket as a FULL-TIME student 📚⁣ ⁣ I gave up financial support from family after I decided to leave Alaska, and I've learned from my mistakes throughout the years. Being financially independent as a teenager is 💩, but the best feeling is knowing I can figure this out. Now it's time to be free from all this debt! 📉⁣ ⁣ Goal for the year is to pay off $10,493.34 in debt. $400 down! 😉⁣


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Dont know where and how to start your budgeting journey. Look no further and download the Budgetina app at the app store. For more information : www.budgetina.com • • • • •   #budgetingtips     #budgeting     #budgetplanning     #2020goals     #401k     #401kplan     #familiesonbudget     #budgetfriendly     #budgetmeals     #budgettraveler     #budgetlife     #budget2020     #collegedebt     #bedebtfree     #debtfreecommunity     #personalfinances     #finance  


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Do you own your future? . . . .   #improvecredit     #creditcarddebt     #debtsucks     #debtfreelife     #daveramseybudget     #daveramseybudget     #babystep1     #financialliteracy     #personalfinances     #personalfinanceforwomen     #financeblogger     #moneymoves     #debt     #creditcard     #wealthbuilding     #wealthmindset     #wealthmanagement     #investmentproperty     #realestategoals  


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I can't wait till graduation so I can stop learning about all this BS!⁠ ⁠ Who can relate? 🙋🏻⁠ ⁠ Literally, near every graduation, that was on my mind 24/7⁠ ⁠ The things we learned in school just didn't seem all that helpful...⁠ ⁠ Periodic table? ⁠ ⁠ I have never used that stuff once...⁠ ⁠ How to file my taxes? ⁠ ⁠ Yeah I had to use that piece of info every year....⁠ ⁠ Does traditional education teach us everything we need to know?⁠ ⁠ No!⁠ ⁠ That is why it is so important to self-educate. ⁠ ⁠ Literally, I've taught myself how to⁠ 1. Open a Roth IRA⁠ 2. Choose index funds⁠ 3. Open high-yield savings account⁠ 4. Create an Online Course⁠ 5. Do my own lash extensions⁠ ...⁠ ⁠ Ok, that last part is a little more dangerous.⁠ ⁠ My point being... we are so fortunate to live in this world, where information is so readily available⁠ ⁠ All the information (and more) that you need to learn is ready at your fingertips.⁠ ⁠ What we learn from traditional education may not be so relevant to real life... but the education we choose in real life, what we choose to self-educate, is CLOSELY RELATED TO WHAT WE NEED TO LEARN ABOUT!⁠ ⁠ So start now.⁠ What do you want to LEARN ABOUT,⁠ TODAY?⁠ ⁠ Comment below what you plan to learn about today!⁠ ⁠ ⁠ ⁠ ⁠   #personalfinances  ⁠   #personalfinanceforwomen  ⁠   #buildwealth  ⁠   #financialindependenceretireearly  ⁠   #incomeopportunities  ⁠   #retireyoung  ⁠   #gogetter  ⁠   #ceomindset  ⁠   #moneymindset  ⁠   #entrepreneuriallife  ⁠   #successdriven  ⁠   #businessmind  ⁠   #thesuccessclub  ⁠   #millionairementality  ⁠   #millionaireminds  ⁠   #motivationalpage  ⁠   #motivationalsayings  ⁠   #successfulmindset  ⁠   #hustleharder  ⁠   #fearlessmotivation  ⁠   #successes  ⁠   #financialcoaching  ⁠   #millennialmoney  ⁠   #creditcoach  ⁠   #budgetlife  


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Just finished listening to Interview   #8   regarding the Smith Manoeuvre. Check it out if you want an introductory on what the Manoeuvre is and how it can benefit you. ⠀   @figarageacct  ⠀ .⠀ .⠀   #motivation     #mentalhealth     #inspiration     #personaldevelopment     #mindfulness     #personalgrowth     #anxiety     #success     #lifecoach     #loveyourself     #coaching     #selfimprovement     #mindset     #bookstagram     #goals     #leadership     #selfdevelopment     #personalfinances     #financialfreedom     #read     #money     #knowyourworth     #howto     #learn     #financialindependence     #financialgoals     #listen     #love     #selfhelp  


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Ideas to start a budget. : :   #budgets     #financial     #finances     #budgeting     #tips     #financialfreedom     #finance     #personalfinances     #financialliteracy     #money     #business     #cashflow     #financialindependenceretireearly     #independence     #self     #security     #financialindependenceday     #behaviouralfinance     #behavior     #choice     #yourfinancessimplified     #weempower     #entrepreneurs     #challenge     #budget     #moneymastery     #pnci  


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🧓 My dad used to say (in Mandarin), if you’re not learning or are too comfortable, you’re dying. Kind of dark, but it sounded better in Chinese. He’s the one that made me read rich dad poor dad and wouldn’t let me go to the mall to hangout with friends until I finished 😂😂 ⁣ ⁣ He thinks self improvement is something that should be always ongoing, and recently, I felt that I need to pick up new things. I’ve been relearning Chinese, reading more on personal finance and writing more blogs (which need to be published). ⁣ ⁣ What have you been doing recently that is out of your comfort zone? 🧠


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🚨🚨🎊🎊If you trust the process and let it work for you. This could possibly be you 🤷🏾‍♂️.. Text “Credit Repair” to 513-512-9030 of you are ready to get started. . . . . .   #personalfinances     #payroll     #taxrefund     #taxplanning     #accounting     #bookkeeping     #accountantlife     #bookkeepingservices     #realtor     #taxprep     #taxseason     #taxseason2020     #bookkeeper     #budgetplanner     #turbotax     #debtfreecommunity     #taxtime     #businessowner     #invest     #gettingpaid     #debtfreejourney     #accountants     #taxes     #cpa     #taxstrategy     #taxpreparer     #taxservices     #taxreturns     #taxreturn     #sage  


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Closing Day. TBT


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What Are Closing Costs? 🏡


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😱 Stock Market Corrections!! 😱 Looking back on my first market correction in December of 2018, I am very thankful to have listened to the advise of the best in the game. Warren Buffet often shares that the most important part of investing is temperament. The ability to remain calm when others panic. Do not panic when the markets turn! DO NOT PANIC SELL. That is the quickest way to derail your financial progress. Look at market corrections as additional opportunities to buy. Every single bear market has been followed by a bull market is US history. You don’t lose a dime unless you sell 🙂 The secret to financial freedom is living below your means, and investing consistently. Do not try to time the market and DO NOT sell when the stock market is frantic(In case you missed it the first time 😏) Invest at your own risk. For more personal finance tips follow 👇   @livetolearnusa     @livetolearnusa     @livetolearnusa   🚀   #personalfinance     #personalfinances     #investingtips     #investingforbeginners     #investing101     #stockmarket     #stockmarketinvesting     #financialfreedom     #financialliteracy     #robinhoodapp     #indexfunds     #buildwealth     #401k     #ira     #rothira     #warrenbuffet     #stocks     #invest     #longterminvestment  


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Financial anxiety is a problem that many of us face - no matter where we are in our money journey. ⁣ ⁣ And it's something a lot of us are afraid to talk about.⁣ ⁣ That is why I'm so excited to have Lindsay from   @mindmoneybalance   on the show today to share her story of how she came to focus on financial anxiety and why deprivation-based personal finance advice isn’t for everyone. She’ll explain how you can identify your own sources of anxiety surrounding money and steps you can take to create healthier money stories.⁣ ⁣ Plus, you'll get a sneak preview of her new book, The Financial Anxiety Solution!⁣ ⁣ Check out today's episode of the Smart Money Mamas Show wherever you listen to your podcasts OR just head to the link in our bio. ⁣ ⁣ ⁣   #smartmoneymamas     #moneygoals     #moneymatters     #savingmoney     #moneysavingtips     #frugalliving     #personalfinanceforwomen     #budgeting     #anxiety     #frugalmom     #moneymindset     #youneedabudget     #frugalfamily     #frugallife     #womensupportingwomen     #personalfinances     #savingtips     #budgeting     #onabudget     #livingonabudget     #budgetlife     #frugal     #momonabudget     #mindsetshift     #spendless     #savemore     #bossmom     #savings     #debtfreejourney  


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Heads up -- your credit score may drop in 2020 😳 Did you know that there's a system that calculates your credit score? It's all handled by a company named FICO, and they're giving their system an upgrade this year... which could make your credit score change drastically. While a credit score may not matter much to you *YET* (it definitely will sooner than you know) we like to keep you informed on the latest trends and topics of discussion around finances, and this is definitely a hot topic. Let us know what you think! Watch Now at link in bio!


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We are on Step 3, 4, 5, and 6 all at the same time! I’m sure Dave Ramsey would cringe at our steps, but it is what worked for us. You have to be comfortable with your journey and the decisions you make along the way. ⠀ ⠀ We never had credit card debt... EVER... so that was never something we had to focus on. We did borrow $7300 from my parents in our mid 20s to buy a better suited car for baby car seats, which we paid back in 6 months. Other than our mortgage and line or credit, that was the only loan we ever had. ⠀ ⠀ What we did focus on was paying our mortgage. Because of that, we never really had a set emergency fund. We saved my salary for lump sum payments that we made annually on the mortgage, so if an emergency occurred it had to be while I still had the money in the bank, before I put it towards the mortgage. Then we started saving again, and we repeated this until we had paid our mortgage off in our early 30s. ⠀ ⠀ After that we secured a line of credit, based on the equity we had in our home, and used it to buy our first rental property. Then the save, lump sum payment cycle started all over again. ⠀ ⠀ Our line of credit became our safety net should we have any expected emergencies or expenses that we couldn’t cover. We still have our line of credit with a small balance that we are paying down due to the purchase of another rental property. We expect it to be paid once our youngest graduates university in 2022. Thankfully the rental income has assisted in supporting our kids and their education, in addition to allowing us to enjoy life at the same time.⠀ ⠀ Somewhere between paying off our first rental property and buying our second we stated investing in stocks. By far our love has been real estate so our stock portfolio is lagging a bit behind. That will be our focus moving forward. ⠀ ⠀ After everything is said and done, your journey will be very different than mine. Don’t stress if you veer from the Baby Steps path of your friends or family. You have to feel comfortable with your decisions and choose what’s best for your situation, while enjoying life along the way. ⠀ ⠀ ⠀ .  #babystepstofreedom     #debtfreejourney     #buildingwealth     #iinvestsoicanenjoylife  


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We’re here and ready to help! . Mind: need help with confidence, overthinking, anxiety, relationships or low mood? What’s on your mind? . Body: having trouble staying motivated? Low on energy? Not sure what to eat or where to start on your fitness journey? What does your body need? . Money: anxious about money, overwhelmed by debt, concerned about spending, no clue how to budget? How are your finances? . Home: feeling overwhelmed by clutter or disorganization? Does your physical space feel draining rather than energizing? What’s the condition of your home? . We will respond to questions in our stories...


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  #Repost     @mitchsmastermind   • • • • • • Small expenses add up and it can be the difference between a healthy and an unhealthy financial position🏦 . If your finances don’t look good, try this: . 1️⃣ Review all expenditure items over the past 4 weeks. . 2️⃣ Define if they’re a NECESSITY or a LUXURY. . 3️⃣ Add up all the LUXURY expenses. . 4️⃣ Commit to reduce them by 50% the following month. . 5️⃣ Repeat steps 1-4 until your expenses are under control. . . . Follow 👉🏼   @mitchsmastermind   ———————————————————————-   #personalfinance     #personalfinances     #moneymentor     #financialeducation     #financialplanning     #budget     #budgeting     #budgetingtips     #frugal     #frugalmom     #frugalliving     #spendingmoney     #impulsepurchase     #financialindependence     #financialliteracy     #financialgoals     #financialempowerment     #financialintelligence  


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