budgeting

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13 minutes ago

KRE Tips: Budgeting The 50/30/20 Rule This is a popular rule for breaking down your budget. The 50-30-20 rule puts 50 percent of your income toward necessities, like housing and bills. Twenty percent should then go toward financial goals, like paying off debt or saving for retirement. Finally, thirty percent of your income can be allocated to wants, like dining or entertainment There are also variations to this rule, like the 80-20 rule, in which you use 20 percent of your income for financial goals, then spend 80 percent on everything else Why It Works: If you're not sure where to start with a budget, breaking it up into these basic categories can be really helpful. Those percentages help create a balance between obligations, goals and splurges When It Doesn't: You might have trouble with this if you have a hard time separating needs from wants, even with something like housing. If you live in a low-cost area, 50 percent toward housing and bills might be a lot. On the other hand, if you're not earning much, you might not have the luxury of only spending half your income on necessities 🗣call today for a FREE Credit Review 1(800)924-5813 budgeting levelup spendinghabits takecontrolofyourlife businessowner 50/30/20rule oppurtunity credit repair girl boss girlceo getapproved takecontrolofyourdestiny

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14 minutes ago

Finally under 10k! 🎉🙌 This is our biggest debt so it's great to see it dwindle How do you feel about car finance? Would you get it? Or would you save? Personally unless it's an emergency I'd rather save and buy outright then we save on the interest This picture was taken in Cromwell, New Zealand. debtfreecommunity ukdebtfreecommunity debtfree2020 ukdebtfree debtsnowball debtfreeuk debtfreecommunityuk smallsteps goals debtfreejourney debtisdumb gazelleintense sidehustle payoffdebt budgeting carfinancing

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Easy way to save $500/yr or more!✨⁣⠀ ⁣⠀ Are you an avid coffee drinker? Do you find yourself buying a cup of hot or iced coffee 2-3 times a week? ☕⁣⠀ ⁣⠀ Here is a SUPER EASY recipe to make coffee at home! ⁣⠀ ⁣⠀ Once you have the supplies it will literally cost you around $15 a month to drink coffee EVERYDAY🙌🏻 If you went to a coffee shop everyday that would be $140 a month 👎🏻⁣⠀ ⁣⠀ Link in Bio- look for "How to save money - Drink your coffee at home" or type in https:budgetgirlkylie.com/coffeeathome/⁣⠀ ⁣⠀ ⁣⠀ Budgetingtips Budget Budgeting Budgetplanner Daveramsey Debtfreecommunity Debt ⁣⠀⁣⠀ Debtfree Debtfreejourney Debtisdumb Debtfreeliving Debtfreedom Financial freedom Finance Finances Financeblogger Financetips Frugal Frugalliving Getoutofdebt Goals ⁣⠀⁣⠀ MoneyGoals Personalfinance Selfimprovement Success Successquotes Successmindset Successful Sucesstip Successfulwomen⁣⠀

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18 minutes ago

Excited to share this item from my etsy shop: Cash Envelope Wallet / Dave Ramsey System / Zipper Envelopes - Mums and Flowers - 6 Zipper Ready to Ship https:etsy.me/2JXgO9E handmade budgeting budgetwallet daveramsey

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18 minutes ago

Excited to share this item from my etsy shop: Cash Envelope Wallet / Dave Ramsey System / Zipper Envelopes - Mums and Flowers - 6 Zipper Ready to Ship https:etsy.me/2JXgO9E handmade budgeting budgetwallet daveramsey

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18 minutes ago

According to CNBC, American households collectively owe $26 billion in credit card debt. But how long does it take on average to pay it off😯? *Visit the link on our ScoreShuttle Facebook page to find out. ScoreShuttle⠀ .⠀ .⠀ .⠀ .⠀ .⠀ creditscore credit PersonalFinance CREDITNESS financialfreedom budgeting financecoach financeblog creditworthiness personalfinances FinanceGoals easyfinance finance budget help debt creditcard CreditGoals creditboosting tips increaseyourscore plan success financetips crisis americans

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19 minutes ago

Discipline is freedom. Saving money is freedom. It's so important to get out of that mindset that delaying spending now to save for the future is a punishment. We're do you think this commonly held belief comes from? Drop your thoughts in the comments below. Follow savingthefirst100k savingthefirst100k  hustleandgrind hustlequotes borntoberich budget budgeting buildwealth takemassiveaction savingmoney onabudget debtfreecommunity debtfreejourney wealthy wealthbuilding wealthmindset financialadvice financialfreedom financiallyfree financialpeace getoutofdebt moneymatters onabudget ratrace smartmoney

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22 minutes ago

One hundred percent, yes.

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22 minutes ago

I have my budget calendar all set for June. Planning ahead for your budget is a game changer. Just writing out your bills is not enough. I like to write down and plan out my expenses based on EVERYTHING happening in my life for the upcoming month. Appointments, trips, bills, events, and holidays are all things that need to be included in my budget. I need to have a plan to pay for them AHEAD OF TIME. You can't create a realistic budget that will work without this step. This is how overspending and unexpected expenses ruin your budget. Not only is my budget calendar visually satisfying but it's a great way to keep my finances organized, which helps eliminate ugly surprises. I have one trip planned for in June, and my vacation budget is completed and funded using my vacation savings. I usually have two lash fills in the month, but currently I only have one. I will probably rearrange my lash appointments to do my usual two. All of my bills are highlighted in blue. Using the highlighter method for your budget calendar brings another visual element to your finances. At a glance, you know right away what you have to plan for. If you get paid more than once a month, each paycheck should be a different budget and highlighted in a different color. The bills you plan on paying for with each of those paychecks should match that paycheck's color. This budget calendar is the next step in my budgeting process after tracking your spending. This is where planning really makes a difference because your calendar will tell you what to include in each of your paycheck budgets. I recommend planning ahead two months out, especially if you get paid multiple times a month. Have you created your budget calendar for June? Tag me in your photos so I can see! budgettips

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My grocery haul for the week! I just needed a few things to tie some meals together, and chocolate. The energy drink was my boyfriends The pantry list is looking super bare and I think I am going to make my goal of everything fitting into one box when I move This grocery haul came from a local grocery store that is a little more expensive, but was in the neighborhood that I was in when running errands yesterday. It was $16 and some change for this, but still under the $20 budget for the week!

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28 minutes ago

A little background of our life. I got pregnant at 15 and was living with my mom at the time. After my son was born I was kicked out and that's where survival mode began. At the time I was 16 and had NO IDEA where to begin. Luckily my mother in law gave us a place to stay while we go on our feet. I had no job, was trying to finish high school, had no idea how to even get started, but somehow figured it. After 4 months my partner and I had gotten jobs and had enough to move out of his mom's. We literally had NOTHING. Rent was $975 for a 1 bedroom and we were making 8/hr. We worked long and hard. Forever grateful for the people that gave us furniture for free or for very cheap. I remember this being the first time we ever had to budget to make ends meet. I remember taking a calculator to the market to make sure we didn't go over. Within a year we both got new jobs and raised our income. My partner has always been the frugal one in the relationship. I was always the spender. Thanks to him we were able to save money during these first years, but as I got more money, I would spend blindly. We didn't talk about finances because I would get mad. (I was very and immature) years later we were better off and were able to move to a 2 bedroom apartment! During the time we lived in our new place we made enough to get us by, paid off the car purchase, we were debt free, saved whatever we had, but never had a detailed goal. We just always said, we should save for a future house, but had no time limit, had no vision, weren't getting educated on how. 7 years later I had my 2nd became a stay at home and due to his job moved and rent was now almost 1 grand more. We were debt free, living on one income and had what we thought was enough to save. This past month really opened my eyes. I began to work part time, but I was still spending blindly. Wasn't saving more money when clearly we were making more then ever before. Just cause you have money doesn't mean you have to spend it! We finally sat down and got serious about this next huge purchase. We want to be role models for our . This is not only for us, but for our future generations.

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28 minutes ago

Tuesday night budget planning in my Life Book from boxcleverpress - love my stationary 😍👍🏻 . Today I finally had a no spend day and I couldn’t be happier, I’ve been spending little and often so hoping this is some motivation to keep my spends down and save every penning! Also checking my payslip tomorrow to see if I have a pay rise if I don’t I might shed a tear! 😂 I also forgot to submit my expenses so roughly £40 down which I will get next month With work relocating I am slightly closer so checking the budget to see if I can save any further and get listing some side hustles! 👏🏻 . The life book was kindly gifted.

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Sometimes it is the simple things in life which give us the greatest pleasure Chips on the beach after work whilst the husband swims. It has been a glorious day here today. So lucky to live here and not a fortune spent 💷💶💸💵 ukdebtfreecommunity sidehustle hustle debtfreejourney sideincome cashisking debtfreecommunity emergencyfund babysteps babystep1 daveramsey savings moneysaving frugal frugalliving budgeting zerobasedbudget sinkingfunds moneymaking savingmoney nospendday mealplanning grocerybudget trackingspending dailygratitude

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36 minutes ago

When I see others spending money they don’t have on things they don’t need, it makes me shake my head — I have been there and I know nothing good can come from it. Nonetheless, it’s like the old adage goes: to each their own — you should never try to spend someone else’s money for him/her💰😬💳———————————————————————— monetaryodyssey financetips totalmoneymakeover financialfreedom wallstreet budget budgeting debt debtfreejourney debtfreecommunity credit creditscore entrepreneur savingmoney moneysavingtips studentloans bitcoin realestate memesdaily frugal frugalliving onabudget stockinvesting daveramsey warrenbuffet investment comedy sidehustle debtsnowball joerogan

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41 minutes ago

Hello Tuesday after a long weekend. 👋🏼 We’ve been a little quiet on social media and it’s because we’re hustling behind the scenes. We were able to get away with the family this long weekend but work always comes with us in the form of late night emails and early morning phone calls. Treating this Tuesday as if it were a Monday and are right back to work with lots of motivation. How bout you? longweekend motivated

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48 minutes ago

⁣“Calories in, calories out. Oh, if it were only that simple. The good news is, there’s more to it than math. Figuring out how many calories you’re consuming isn’t an easy feat. In fact, people who struggle with their weight tend to underestimate their calorie intake by 40% compared to people of normal weight, who underestimate how much they eat by an average of 20%.”⠀ ⠀ ⠀ ⠀ ⠀ ⠀ I found budgeting very much like my diet I thought I was doing really well but it turns out that I’m on slow trend in the wrong direction ⠀ ⠀ ⠀ And just like budgeting I’m going to have to start tracking what is actually being eaten, not just guesstimating! ⠀ ⠀ ⠀ I’m lucky that I’m very fit and healthy and I have an active lifestyle but apparently there’s been too many luxury chip items as of late money debtfreecommunity babystep2 singledebtfreecommunity singledebtfreecommunity diet dietplan budgeting

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50 minutes ago

On this debt free journey I get that we have to have to be gazelle intense to really see results. I have found that even with that for me it still seems like such a long process. It seems like some days the top of the mountain is so far away from my grasp. So for me even when I’m moving fast at this it’s not fast enough for me at the time. I want to encourage everybody; know that even when you feel like you are just barely chipping away at the iceberg; Every payment you make towards debt is still making progress. Keep going! Keep pressing! There is light at the end of this tunnel. Even though it may seem like it’s taking longer than you hoped for; keep in mind where you started and just how far you come. That is progress! budget budgeting budgetfriendly debtfree debtfreecommunity debtfreejourney debtfreeliving debtfreecommunity debtfreedom personalfinance savemoney moneysaver savingmoney money savings financialpeace frugal frugallife frugalliving Saving Thebudgetchronicles

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51 minutes ago

Finally we can breathe 😅 our second investment property is complete and we had our handover yesterday. I won’t lie, property is so much more work than shares. We purchased both with the intention of capital growth, so ill come back to you in 10 years and tell you if it was worth it or not 😂 if you never try you never know right?

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56 minutes ago

Side hustle! 🏃🏼‍♀️⁣💰 ⁣ When I started my financial journey I realized not only would I need to begin tracking all of my expenses and create a budget but I would need to add some extra income. ⁣⁣ ⁣⁣⁣⁣ I decided to sell clothes that I didn’t wear on Poshmark. In just over a year and a half I’ve made over $3100. This ended up being a fun venture for me because my background is in fashion & retail management (in addition to dental hygiene) and I was able to get really creative with my packaging for customers. I still have my closet active although have cut back considerably with listing due to my work hours and preparing for a baby. ⁣⁣ ⁣⁣ If you’re looking for a side hustle and have clothes you’re not wearing or haven’t worn ever (even your ’s clothes) you should think about starting a Poshmark closet! It’s a great way to get some extra income!⁣⁣ ⁣⁣ financiallysavvy millenialmama budgeting cashdividers Poshmark fire financialindependence financialgoals financialsuccess personalgrowth poshmarkcloset sidehustle millenialmoney cashenvelopes sidehustles retireearly budget poshmarksidehustle sellingclothes upcycle

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56 minutes ago

Happy because I just bought a rug for $31 bucks 🎊🤗 I’ll keep you all updated on the quality. As much as I love updating and decorating my house, it drives me crazy how overpriced home items can be. I’d rather pay for a trip to Cancun than I would a new couch. 🌴 I find some of the best stuff at TJ Maxx and Amazon without spending a fortune. BUT - there are a few things I’m willing to spend a little more on like: * A vacuum * Good tennis shoes * Eating healthy Even though I may spend more on those three things, I cut back in other places (like cheap rugs) to make up for it Budgeting is all about finding a balance between what you love and what you don’t care about.

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57 minutes ago

You can’t see them just yet, but we just erupted 2 bottom teeth 😍💙👶🏻 Totally shocked and excited. Liam is only 4.5 months. He took it like a real champion! We So proud of this little boy 🙌 teethingbaby firstteeth boymomlife proudmama annas8ergunina financialliteracy moneydate moneyflowsystem womeninbusiness money wealth finance entrepreneur femaleentrepreneur cfppro financialplanner financialplanning beingboss budgeting spendingplan savingplan livebeneathyourmeans moneybasics womenadvisors womenfinancialplanners newbaby planahead havingababy

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So, since becoming debt-free last week, I have been a little too eager to go out to eat and buy things I haven't bought in a while. I'm trying to reel it back in, but I already overspent. On the plus side, I saved myself $15 on a car wash by going to the "in-laws" (we aren't married but you get it), and washing it in their drive. I grew up in a house that always washed our own cars, but living in an apartment complex has led me to buying washes. The "in-laws" only live about 30 minutes away, so now when the weather is good, I try to sneak in a free wash while I'm there. Does anyone else like to hold on to gift cards for a LONG time to make sure you're using it for something good? I had an Ulta and Target gift card for months. I finally used it to restock some personal care products I'd been putting off during my debtfreejourney. Glad I waited to use them for something I need instead of making an impulse purchase. I did spend a little over budget with the gift cards, but you can't win 'em all.

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1 hour ago

I feed my by colour for the most part. Its healthier. The Carb doesn't have to be the star of the show This served 4. €1.30 a portion . Not bad at all. Cajun seasoning, garlic butter and a squeeze of lime is going to make this a regular occurrence 😂😜❤

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1 hour ago

Taking Mr. FF on a birthday getaway and I need some ideas! ✈️ airfare booked with miles and a companion pass. Hotel 🛏 4 nights booked with points (and about $200). So all we will have to pay for are meals, transportation, and fun stuff. FULL DISCLOSURE: we haven’t “saved” for this trip but being debt free now means we can cash flow it with the first June paycheck😊😉I don’t want to be cheap but I do want to be intentional about how we spend our money. ❓What should we do? Where should we eat? How can we make the best of 4 nights/3.5ish days❓

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You’re bound to have questions 💭. Our friendly Plan Pros are here to make sure everything makes sense and you feel good about your plan💰. You can make arrangements to chat with them any time it’s convenient for you📞.

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1 hour ago

This one may sting but it is the latest FAD There is no elevator to financial freedom! Trust me I looked! People are making millions off selling eager people a pipe dream! I used my entry level salary and took the stairs! And today I could not work for 4 years and still LIVE comfortably frugalliving frugal smartbrowngirl browngirlbloggers triplesandsaving debtfreecommunity financialfreedom budgeting couponing minimalism femaleentrepreneur knowyourworthandaddtax girlboss rainydayfund daveramsey

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Our family has so many new journeys beginning Our have upcoming moves and new jobs waiting. We're so happy for them We look forward to visiting when we can Guess we better get that travel fund built up newadventures familytime

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With my family vacation coming up later this week, I thought it would be a good time to share the following money tip; Spend money on experiences, not things. • • When you work hard every single day and there’s only so much money left after your regular expenses, you have to make certain it’s well spent. I am not saying to neglect paying down debt or stop making contributions to your savings account! The idea is that if you’re managing your money the right way, then you should be able to enjoy the fruits of your labor. Spend your limited funds on whatever experiences or activities will make YOU happy. For me, there is no price tag to spending quality time with family and this is why family vacation is very important and something I look forward to every year. Because I value family time, this is the reason I don’t mind skipping the expensive shoes and handbags I see at the store. Material things will always come and go but experiences is something I will cherish for the rest of my life. Comment Below ; What material things would you trade for experiences? .

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1 hour ago

Whether you realize it or not, your are watching you. Do your spending habits reflect those that you want your to embrace?

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💫 loyalty points 💫 How do you spend yours? For ones like Tesco, I will save up and maybe use at Christmas or turn into vouchers if I'm out for a meal The Works loyalty points have to be used each month so that ones fine too but for the ones with no immediate use by, I never seem to use, I just seem to keep on collecting the points but never redeem them 🙄 do you claim and use them as soon as you have enough or do you just save and hoard them too? • • • • • • • frugal frugalliving debtfreecommunity savingmoney debtfreejourney debtfree budget couponcommunity couponing budgeting freebie sale financialfreedom personalfinance greatdeals savemoney money thrifty savvysavings sidehustle

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1 hour ago

I cringe every time I hear a person say they want to start a business because they need more money right now. Do they know there are cost to start and operate a business? That “How to start a business with no money” is a SCAM. 🤷🏽‍♀️ If you can’t currently manage your personal finances, you will struggle in your business finances. Imagine it costing you a million dollars to make a million dollars. That’s a lot of work to profit Zero. Don’t let that be you. Get your personal finances all the way together and learn the principles of money so you can run a successful and viable business of your choice. Drop a 💰if you’re ready to get your personal finances on point starting now.

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1 hour ago

Cash Envelope Stuffing is Live on YT! (Link in bio) Check out how my paycheck budget translates into a cash envelope system. This system allows me to have cash on hand for my families immediate needs and save for the future Using Cash versus a debit/credit card ensures that I don't go over budget. Plusbreaking a bill stings. Having real tangible evidence of my spending teaches me to spend less What methods do you use to keep you on track!?!? CashBudgeting CashEnvelopes EveryDollar PaycheckBudgeting FamilyFinance MoneyManagement BudgetPlanning budgetblogger DebtFreeCommunity DebtFreeJourney DebtElimination FinancialPeace TotalMoneyMakeover Budgeting BlackWomenWhoBlog BlackMomBlog SingleMomBlog BlackMomBlogger blackmommiesblog BlackFamilyVlogs BlackFamilyVloggers BlackMomsKillingIt BeingMamaLika GrowingGreenes

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THE SNOWBALL THIS MONTH YALL 🤑 I feel like I’m out of breath. We are so grateful. • We’re about to ramp up our snowball in a big way. Stay tuned ✌🏼💵 ❄️ daveramsey debtfreecommunity debtfreejourney debtfree debtsnowball debtfreeliving debtfreegoals goals babysteps daveramseybabysteps money cash hustle grind budget budgeting moneymoves knowledge beweird lifestyle different planning mealplanning budgetplanner financialfreedom financialpeace financialpeaceuniversity finance finances everydollar

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• Top tip We've spent slightly more than we thought we would and I'm such a tight arse, so here are my 4 best bits of advice that I'd give to anyone. 1. Use grab lorries to collect any rubble/dirt waste. They take, I believe, 16 tonne and are half the price of a skip! (I'm not even going to share how much we spent on these, equally we pulled it back by spending hours loading our tipper and running it to the local quarry!) 2. Always get 3 prices for any work needed, or materials your purchasing. You will probably feel keen to crack on, but in the bigger picture, no body has time to be ripped off. 3. If liveable, spend some time in your house before starting a renovation/extension. Stes mum first said this to us when we brought 207 so we lived in our house for almost 2 years before starting work. This had a massive influence on things, such as having triple glazing in our bedroom window for sound proofing passing traffic, and not having our bedroom on the right side of the house because our only neighbour screams for the dogs to come in every 2 hours during the night! Also where the sunshine is for most of the day, which lead us to having all this glass ⬆️ 4. Follow one of the best pieces of advice I got from renovating_no25 which is to treat yourself to little interior bits along the way, because at the end you'll be broke and you'll compromise on things you originally had your heart set on Growing207 MyDailyRenovation TopTips Building Renovation Extending Bungalow Budgeting Recommendations BuildingSite BungalowRebuild BungalowExtension BungalowRenovation HomeReno HomeRenovation InstaHome HomesOfInstagram Bifold BifoldingDoors ExpressBifolds Glass GlassApex Windows SuffolkHome InteriorDesign Interior Decor HomeDecor HomeStyling InteriorVibes

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It's Testimonial Tuesday! Check out this part of Allie's story! Want results like these? Book a free jump start session today! www.strengthinnumberscoaching.com/jumpstart

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It’s all about baby steps! Create weekly goals that turn into habits! $153.75-$228 every week adds up to $7995-$11856 saved per year! That’s your savings cushion, your investment budget, your debt repayment goals etc. the little changes add up. ———————————————— If you want more in depth help with creating financial goals and meeting them, click the link in my bio to grab the 10 pillars to financial freedom bundle! This bundle is for you if you’re ready to make your finances work for you and makes sense without giving yourself a headache! Tap the link in my bio

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having a monthly budget is such an essential tool for saving and building a strong financial future. but in college, it may be really hard to follow a budget! although you may be invited to go out every weekend with your friends, you need to say no sometimes in order to save money. you can suggest another way less expense activity such as having a potluck dinner at your apartment with all your friends! way more AFFORDABLE [& fun!] and definitely within your budget clemson southcarolina clemsonuniversity collegebudget budgeting budgetlife byebyedebt frugalliving keepexploring adventurewithme exploremore getoutstayout alifealive livetoexplore getoutside stayandwander awakethesoul wekeepmoments speechlessplaces allaboutadventures adventurevisuals letsgosomewhere collegecampus college clemsonnation finance101 money

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1 hour ago

It’s a new level of faith