30,004 Photos and Videos

39 minutes ago

This👏Is 👏What 👏We 👏Do in just 45 days. Keep in mind Mr. Eastley has 2 maxed out cards keeping him short about 25-30 points. We got him from a 478 to a 592 credit score in just 1 update. He should be around 620. If he adds another credit card, that should bump him around 630ish. But, as you can see, we don't mess around here. We do business and we don't slow play a clients credit file! We'll take these results for just a 45 day update STOP 👀 WATCHING ME HELP OTHERSLet’s get you credit qualified and reach your credit goals‼️ DM me “READY” today budget nomoredebt debtsucks finances emergencyfund thedebtfreecommunity finanicalpeace buildingwealth moneymotivation frugalliving momsofinstagram 5changeslives marykay 5dollarjewelry love gorgeous Jewelry paparazzi houston powerful empire ownhours trendy trendyjewelrymom millionairemindset credit creditrepair creditrestoration approved creditsavvysasha

1 hour ago

Transparency post ahead 👉🏽 I’m currently typing this in the food court at my local mall, enjoying a Reese’s Blizzard from Dairy Queen because it’s 85 degrees outside, but I’m mostly here escaping an argument with my mother⁣ ⁣ First and foremost, I don’t want anyone thinking she’s a horrible mother. She’s sacrificed a lot for me and I’ll never be able to repay her, but we’re at a point where we NEED space from each other. I’ve prayed to God countless times to fix me, to fix her, and to fix the relationship, which I’m still certain that He will. Honestly, I believe we are both just two completely different women from totally different generations. Seeing each other every day simply isn’t healthy for us anymore and I don’t want to resent her. ⁣ ⁣ As much as I want to fly the nest debt free, I don’t believe that is an option anymore. Moving out will definitely set me back on my journey, but my peace is worth much, much more than that. I will be seeing an apartment at 6:45 PM tonight and my friend will be coming with me. ⁣ ⁣ It’s 25 minutes away from my hometown, but closer to my job. The rent is $850/month with all utilities and appliances included (even laundry!) minus electricity. If anything, this move would teach me more responsibility and take my budgeting and cooking skills to the next level. I don’t want to rush into it and I’m begging God to please guide me to making the right decision. ⁣ ⁣ Regardless of religion, if you could all send positive thoughts, or just leave a comment with your opinion or maybe your personal experience I’d highly appreciate it. 🙏🏽 I have included pictures of the apartment in my story so you can all take a look and let me know what you think. As always, thank you DFC ❤️

1 hour ago

It’s extremely to manage your time. Spending too much time doing something that doesn’t matter can cost you. Follow this cool chart to organize your tasks and stay efficient! Do you like this idea? Comment “yes” letter by letter below⬇️ What did you think of this post? Leave a comment down below ⬇️ • DM me to network 🌐 or collab! 👍🏼 • I hope you took something out of this post. The grind starts, NOW.🚀 • Follow theteenagegrind theteenagegrind theteenagegrind • Turn on post notifications! Turn on post notifications! Turn on post notifications! • teenage teenmoney teeninvestor teenwealth grind hustleentrepreneursuccess entrepreneurmindsets barefootinvestor wealth emergencyfund ridofdebt livingonabudget entrepreneurtip entrepreneurtips entrepreneurinspiration debtfreedom retireyoung moneymindset wealthymindset businessquote businessadvice personalfinance financialfreedom businessowners businessmen money💰 moneyhungry

4 hours ago

Debt paid off in May, only minimum payments on my bank loan. Student loan is paused. I paused my snowball because I needed to refund my EF after buying a MacBook last month. In the next month I’m still pausing my snowball because I want to cash flow some car and motorcycle maintenance, and after that cash flow my vacation. • It’s great to think about cash flowing my vacation. Most of the time in the past years I ended up with more debt after the holidays. • Btw, yes I go on vacation while on babystep 2. Please unfollow me if you have a problem with that. • And please put a comment down below if you’re excited for me as well! • • • debtfreejourney singledebtfreejourney emergencyfund debtfreecommunity debtfreecommunitynl budgeting babysteps babystep1 babystep2 payingoffdebt debtfreegoals daveramsey gazelleintense budget cashenvelopes fire financialfreedom financiallyindependent livelikenooneelse changingthefamilytree DFCon2wheels usewhatyouhave useitup projectpan minimalism minimalisme aspiringminimalist

4 hours ago


4 hours ago

You could be making a million dollars income for one year, but the real question is, are going to keep it? Leave a comment in how you are keeping your money. Tag someone who needs to realize they can make million dollars. Follow goalinvesting to learn more.⠀ ⠀ ⠀ startup investment investingtoday investingplanning retirementplanning saving investinginmyfuture investinginstocks propertyinvesting savingmoney futureinvestment stockmarketcrash investing entrepreneurship entrepreneurmindset entrepreneur goalnvesting moneygrowth businessquotes businesstips goalinvesting moneyfacts market businesstips entrepreneurspirit follow emergencyfund millionairemindset

5 hours ago

IMPORTANT 🚨 If you work a job, and want to prepare for your future, save money by following the 50/30/20 rule. Following this rule will decrease your spending and increase your savings drastically over time. Even putting 20% towards your retirement is extremely beneficial. What did you think of this post? Leave a comment down below ⬇️ • DM me to network 🌐 or collab! 👍🏼 • I hope you took something out of this post. The grind starts, NOW.🚀 • Follow theteenagegrind theteenagegrind theteenagegrind • Turn on post notifications! Turn on post notifications! Turn on post notifications! • teenage teenmoney teeninvestor teenwealth grind hustleentrepreneursuccess entrepreneurmindsets barefootinvestor wealth emergencyfund ridofdebt livingonabudget entrepreneurtip entrepreneurtips entrepreneurinspiration debtfreedom retireyoung moneymindset wealthymindset businessquote businessadvice personalfinance financialfreedom businessowners businessmen money💰 moneyhungry

7 hours ago

Kun asetin 1000 € tavoitteen, tein itselleni Excel - taulukon tavoitteen seuraamiseksi (minä ❤️ taulukot. Tiedän, ettei tämä ole normaalia). Excelissä pyörittäminen sujui, mutta se ei innostanut. Sitten törmäsin debtfreecharts , jonka sivuilta ladattavissa erilaisia väritystaulukoita säästämisen ja velkojen poismaksamisen havainnoimiseksi. Värittämisellä etenemisen on saanut konkreettisesti esille. Värittämisessä on sekin hyvä puoli, ettet voi lainata säästötililtä muuten vain, sillä näitä tusseja ei niin vain nollata - toisin kuin sitä Exceliä

9 hours ago

Aldi is cheaper than the largest Aussie retailers because they sell mostly items with an Aldi brand name. Now, there's no denying that Aldi's product are good value for money and that some products by famous name brands are simply better than supermarket own-branded products, but did you know that some Coles and Woolworths home brand products are just as affordable and can be as good as name brands? To save on your supermarket shop, the next time the name brands aren't on half price special, give the home brands a try! Let me know which ones work for you! groceries coles woolworths aldi

9 hours ago

So my trusty old sewing machine gave up the ghost 🙄 as most of you know sewing is my side hustle and without a machine I’m stuffed I was kindly lent another but totally lost my confidence as I couldn’t get used to it. So this morning I bit the bullet and bought a new one This was on eBay, never used still in box and exact same model as I had. £160, second hand but new to me (£285 new) 🙌 One thing I felt when I paid this morning was not fear but opportunity. I had the money to pay for it and I know it’ll make me money in the future. The last time I bought my machine I bought it on credit Just shows how far I’ve come 😊 Happy Sunday Everyone ukdebtfreecommunity debtfree freedom debtfreecommunity instafamily goals focus debtfreejourney debtfreedom financialfreedom frugalliving frugal contentment happiness cashisking budget sidehustle emergencyfund sinkingfunds babysteps daveramsey livelikenooneelse

11 hours ago

This month, we’ve deviated from our path Our yard is completely inundated with bindies and try as we might, we cannot keep them under control. We don’t like to use poison to kill them off all the time either, so our only option was to get rid of the environment they grow in. Our front yard is pretty much done, our immediate backyard is done. This month we have spent $2500 to fix the bit in between our “back yard” and the back block. 310m2 excavated almost a foot deep, leveled out, backfilled with clay and 4 tonne of crushed concrete dumped, ready to spread out on Tuesday. $1500 of this has come out of our emergency fund, which we will need to pay back. We have gone through 2 ride on lawn mower tyres, 2 motorbike tyres, a trailer tyre, 4 wheelbarrow tyres and a car tyre all punctured from these awful bindies. Can’t keep paying for more tyres ▫️ We also have something else in the woodwork which we can’t share yet, but it will involve us needing to temporarily move some more money out of our emergency fund. The next few months, we will be hustling and saving like crazy to get our balance back up debtfree2028 debtfreejourney debtfreecommunity debtfreecommunityaustralia ozdebtfreecommunity BS3 emergencyfund savingmoney renovations excavation bindiessuck landscaping lowmaintenanceyard mumswhobudget mumswhobudgetandsave spendingmoney savingsgoals mumswhohustle debtfree investing property

12 hours ago

So since we began this journey we have been selling however we could but Facebook Marketplace has been a real gem for us! Recently sold a laptop on there for £200 💷 What is your biggest sale on Facebook Marketplace?

13 hours ago

I can’t get over the convenience of my keurig ! One cup every day. No mess. Easy clean up This is one of the best investments in my life. Well technically my fiancé got it for me but honestly it saves me so much money AND time every single day Between the milk, the Kcups, the ice, the filter, the water I think I spend $0.60 a cup. That’s WAYYYYY cheaper than anything else. And it’s green for the environment (kcups still aren’t but we’re getting there) So if you aren’t team homebrew yet, here’s your sign. Go buy that keurig and have a great time :) Hey minimalist minimalism intentionalism intentionalliving livingintentionally livewithless livingwithless debtfree debtfreecommunity debtfreejourney financialfreedom emergencyfund daveramsey babystep2 cashenvelopes cashmoney cashclips budget babysteps totalmoneymakeover changingmyfamilytree zerodollarbudget sinkingfunds zerobasedbudget ynab ynabcommunity keurigteam kcups

13 hours ago

Do you do a weekly reset on Sunday? I try to each week. Clean up the mess from the previous week, make meals for the following week, grocery shop and plan the week ahead. It is so important for my mental health.

13 hours ago

Do you need to getaway for a little while? Are the rising expenses worrying you?⠀ ⠀ We're here to help.⠀ ⠀ Simply sign up on our website and get started. Just tell us what your travel goal is.⠀ ⠀ We'll help you plan, save and invest for it through our simple, quick and easy to use financial planning platform.⠀ ⠀ HappynessFactory Money Savings Retirement RetirementPlanner DreamsIntoGoals RetirementGoals InvestmentLifestyle RetirementSavings Dreams TravelGoals Explore LifeGoals EasyPlanning Investment InvestmentOpportunity InvestmentManagement Education EmergencyFund EasyToUse MoneyTips FinancialAdvisor

14 hours ago

⁣ Confession: My husband and I have been united in our financial goals and spending plan for many years, however we don’t actually sit down together and go over the budget on a regular basis. Although I didn’t begin our marriage as the financially responsible nerd, I was entrusted with the finances early on. One day I’ll tell the story of how that came to be. He’s always had access and input to our budget, I just tend to handle the short and long term detailed planning on my own and consult as needed. That’s all changing this weekend.⁣ ⁣ We don’t often have money arguments, but when we do, they’re over trivial things that happen because of lack of communication. The other night, we both sensed a money argument on the horizon and we quickly hit the pause button. We realized that there really is no need to be upset over money in our relationship. We are DEBT FREE, our range of income is phenomenal (although cost of living in San Diego doesn’t always feel that way), we have the same goals, and we’re on the same team. We’re CHOOSING our current financial situation and we could choose differently at any moment if we wanted to. ⁣ ⁣ After calmly sharing our feelings, communicating our respective needs, and acknowledging what we heard from each other, we agreed that there was a simple solution to the current problem: a regular budget committee meeting. Who says after almost 12 years of marriage, there’s nothing new to do?!?! obsessedwithmybudget ilovebudgets budgetlife budgeting livingonabudget budgetplanning debtfreecommunity debtfree debtfreedom debtfreeliving debtfreeinSanD financialfreedom financialindependence emergencyfund savingmoney frugalliving daveramsey EveryDollar spreadsheetbudget babystep456 daveramseybabysteps personalfinance passionproject passionandpurpose findyourwhy marriagegoals changeyourfamilytree keepingupwiththeDFC

15 hours ago

FOMO is a thief. It robs from your future. Too often we borrow money to live in the now, not realizing the long term loss we incur. Assuming you do nothing more than $200/month from age 18 to 62, that would turn into $2.7 million. Wouldn't you rather sacrifice a little now to ensure a secure future? If you don't think that you can spare that much, contact me to get started. You'd be surprised where you could do with a little less today to have so much more tomorrow. financialfreedom debtisdumb cashisking livelikenooneelse givelikenooneelse budgetsareawesome liveintentionally sacrificetowin Ihelpyoubutchergoldencalfs reclaimyourfuture legacy leavealegacy financialcoaching scoutfinancialcoaching daveramsey babysteps guidingyoutoyourdreams debtsnowball gazelleintensity emergencyfund financialindependenceretireearly financialindependencenumber financialindependencecrusade youdonthavetobebroke financialeducation grit embracethesuck hopeisnotastrategy

17 hours ago

It’s been a while since I’ve posted a groceries shot. We’ve been trying really hard to do the pantry/freezer challenge. Strawberries 🍓 are expensive at the moment but they are a staple in our household for my daughters. The wine 🍷 is for me 😂 so this would have been under $100 for the actual food (and an extra loaf of bread which isn’t in the picture). Really hoping it will get us through the week!

19 hours ago

Confession: I stay home most Saturdays to avoid spending money. Despite my love of travel, which is currently on hold, I’d say I’m just as much of a homebody too. However, living with my parents/siblings and coming from a big Puerto Rican family that loves to get together often, it does not make it easy to escape criticism. ⁣⁣ ⁣ I’m not just staying home and doing nothing though. I’m reading, watching videos, reviewing and revising my budget, & just overall educating myself & connecting with like-minded people. When I started this account I never imagined the impact it would have on my life. I can’t thank this community enough for being so understanding and supportive in a world where instant gratification and consumerism rule. ⁣⁣ ⁣⁣ Don’t get me wrong, I’m very transparent with the moments I lack patience as well as my past credit card purchases of designer bags, makeup, and clothes. I’m on a mission right now though and while a few people in my life know about it, I only ever go into the details of it with all of you. ⁣⁣ ⁣ People think I’m broke, people think I’m boring, people think I’m depressed, people think I’m wasting my life away by working a 9-5 just to come home and work from 6-10 on a laptop placed on my small nightstand. Do you know what I see? I see future me crying tears of joy and thanking God and 25-year-old me for all the sacrifice and everything it taught me. My eyes are watering right now as I type this. ⁣⁣ ⁣⁣ I can’t wait to live like no one else and give like no else. When they ask how I did it, because I know they will, I’ll remind them of all the times they told me I “wasn’t living”. No, that isn’t a spiteful response, it’s simply the truth and what I had to go through. There is no elevator to success and I’m learning that day in and day out. With great sacrifice comes great reward. ⁣⁣ ⁣⁣ Debt freedom is so much deeper than just having more money. It’s being able to go after all of your desires and dreams at full speed. Ideally, I’d love to have my own personal impact to help people wake up from this “reality” of working a 9-5 until they’re old and then living the remainder of their lives with regret. In the meantime, I have much to learn.

19 hours ago

American millennials are approaching middle age in worse financial shape than every living generation ahead of them, lagging behind baby boomers and Generation X despite a decade of economic growth and falling unemployment. Hobbled by the financial crisis and recession that struck as they began their working life, Americans born between 1981 and 1996 have failed to match every other generation of adults born since the Great Depression. They have less wealth, less property, lower marriage rates and fewer , according to new data that compare generations at similar ages. Come with me and learn how money works, dm me millenials generationx babyboomers catchup financialliteracy free workshops financialliteracycampaign reach 1million families ruleof72 retirementplan emergencyfund debtfree debtmanagement savings investment assets cashflow businessowner entrepreneur thinkandgrowrich napoleanhill

20 hours ago

So I went to wash my sheets and was reminded that the fitted one is completely torn. It’s been like that for a while now. I decided right then and there I was going to buy a new sheet set. I know in my previous post I said I wasn’t going to spend money but if you look at the third picture you will probably agree it was time The sheet set cost $18.99 and I used my target red card (which is linked to my checking account) and got 5% off. The good news is I didn’t spend much. The bad news is since I bought cheap, they won’t last as long I’m slowly working towards a more minimalist lifestyle and I’m loving the simplicity. My home is small, humble and a bit outdated but it’s mine ♥️ saturday intentional goals debtfreejourney debtfreecommunity minimalism minimize habits goaldigger emergencyfund savingmoney frugalliving budgetlife finance save personalfinance budget home declutter organize simplicity keepingitreal

20 hours ago

This is a perfect analogy for budgeting / becoming debt free. The difference between wanting to be debt free or budgeting and actually becoming debt free / a budgeter is continuous work You have to WORK to achieve these goals finanancialpeace financialfreedom budgetingtips bugdet budgeting daveramsey daveramseybabysteps babystep2 emergencyfund saving savingmoney debtfree debtfreejourney cashisking sinkingfunds cashenvelope cashenvelopes envelopesystem debtsnowball minimal minimalist minimalism goals moneymoves paperchasin thedebtfreecommunity debtfreecommunity

21 hours ago

I want to HELP YOU stop struggling with 💸💸💸 Honestly, I see SO many of my friends who are working a job they hate (because they feel like they have to for the 💰), living “paycheck to paycheck,” NOT being able to save for an emergency 🚨, or for a down payment on a house or a trip etc and I want this to STOP ✋ 🛑 The stress, anxiety and worry I see people go through over this is pure torture - and for this reason (since this is an area of my life I think I have LOCKED DOWN 🔒) I’d like to create some videos around this Comment below or send me a DM to let me know what you want to see! 😘

23 hours ago

I heard this quote from the book I'm reading called '7 money rules' and it really hit home. How many years have I spent living it up for the first part of the month and then desperately wishing for payday the second half. I have to admit, it's got much better these days but it's took some time to get there. If you find yourself struggling, there's so many different hacks maybe; 1. Dividing your spending money by weeks 2. Delaying purchases till the end of the month 3. Finding cheaper alternatives And so much more. But keep going as things can always change.

1 day ago

Step 1 in most financial books and courses is to get an EMERGENCY FUND • It is easy to get distracted with wanting to pay off student loans, credit cards, and debt. But establishing an emergency fund FIRST is by far one of the best pieces of advice. 🤗 • Some books to give more detail about this include: 👉🏼Total Money Makeover 👉🏼The Financial Diet • Do YOU have your emergency fund yet?? • bookstoread debtfreejourney debtfree debtfreegoals debt emergencyfund daveramsey financialfreedom financialindependence debtfreelife

1 day ago

It is time to give back to the debtfreecommunity ! isashab is so sweet and approached me to share her beautiful cash envelopes. Since I am not in need right now, I asked if she was willing to do a giveaway to someone who is starting out their journey and she said of course! In order to enter for TWO FREE CASH ENVELOPES, please do the following: 1. Follow both financially_healthy and isashab 2. Comment down below saying how you would use your two envelopes. The contest will be closed and the winner will be announced on Monday, May 27th at 8pm PDT. Good luck to all! You can check out her envelope selection here: https:photos.app.goo.gl/GkbSHWfuhJR6zP239 cashenvelopes cashenvelopesystem envelopestuffing envelopesystem daveramsey daveramseybabysteps budgeting debtisdumb cashisking cash giveaway dfc debtfree debtfreegoals debtfreejourney bulletjournal gazelleintense financialfreedom financialpeaceuniversity babystep2 babysteps babystep1 sinkingfunds emergencyfund

1 day ago

My May is wrapped up I will not be making any additional debt payments. May was a three paycheck month and with three paycheck months come triple payments of 4 of my debts that are biweekly auto payments ,so bitter sweet i guess . This month i only paid 22.75 extra towards debt and I’m happy i was able to make an extra payment at all finanancialpeace financialfreedom budgetingtips bugdet budgeting daveramsey daveramseybabysteps babystep2 emergencyfund saving savingmoney debtfree debtfreejourney cashisking sinkingfunds cashenvelope cashenvelopes envelopesystem debtsnowball minimal minimalist minimalism happyplanner happyplannerbudgets. happyplannermini goals moneymoves paperchasin thedebtfreecommunity debtfreecommunity

1 day ago

When you are a Niffler and your budget is a Newt. 💕🤣

1 day ago

“Treat yourself.” That’s what we say to justify spending. It’s ok to treat yourself. Just make sure it aligns with your future goals. Are you treating yourself too much now that your future self will miss out? ⁣ ⁣ It happens. I’ve been there. Constantly buying things on impulse because I have the money, and “hey, I worked for it. I deserve it.” But what does your future self deserve? Think about what you want for your future. The biggest struggle I had with my spending is shopping and eating out. Do I have a lot of things? Yes, I do. Does it stop me from impulsive buying? No, it doesn’t. What has helped was creating a budget for eating out and miscellaneous spending, and also thinking about what I want for the future. ⁣ ⁣ When spending money we need to find a balance. That’s where budgets come in. Budgets help us plan where we want our money to go, so we can enjoy the “here and now”, as well as fund our future goals. ⁣ ⁣ By not making an impulse purchase now, you can treat yourself in other ways. Such as have the money to save for an emergency or big purchase, to go on that trip you always wanted, or having the money for whatever your future goals require. ⁣ ⁣ Your future self shouldn’t have to miss out because you spent too much at the mall, or you enjoy eating food outside for lunch instead bringing food from home, or you enjoy getting mani/pedis every few weeks, or that coffee every morning, or going out with friends. Budget for those things and your future self. Just make sure when you “treat yourself” now, you’re not hurting yourself later. ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ moolahgoals debtfreecommunity emergencyfund savings money goals personalfinance investment budget growth goalgetter moneymoves instadaily ootd love saturday weekend ballinonabudget financialfreedom debtfreedom babystep1 babystep2 daveramsey financialliteracy livelikenooneelse treatyourself selfcare futureself

1 day ago

Many borrowers use personal loans to consolidate debt. You can apply for a personal loan with a bank, credit union or online lender — but you’ll need good credit to get a favorable rate. Make sure your personal loan has a lower rate than the cards you’re paying off and use the loan to repay as many of your existing creditors as possible. You’ll ideally be left with one loan to pay off over a set period of time with monthly payments. budgettips budgetinghacks moneytips howtobudget savingsplan emergencyfund howtosave savingtips financialsuccess financialfreedom debtfree debtfreetips nospendweekend savingsaccount familybudget grocerysavingtips

1 day ago

I just love Saturday mornings and taking it slow. This weekend I have no obligations or anywhere that I need to be. Which means I won’t be spending money! Other than going to the grocery store, but that’s in the budget 🙂 Time to eat this lovely breakfast, drink my coffee, then tackle my to do list around the house. After that I plan to take my son for a Starbucks date using the gift card that he found with $10 on it Hope the debtfreecommunity has a wonderful weekend! ♥️ saturday breakfast intentional goals debtfreejourney debtfreecommunity minimalism minimize habits goaldigger emergencyfund savingmoney frugalliving budgetlife finance save personalfinance budget

1 day ago

🚘 Car talk 🗣 +++ Nothing fancy, but here’s the story on our cars +++ Car 1: We actually added this car loan to our total debt when we were on our debtfreejourney in 2015 😬! Murph was granted a car allowance from his company at the time, so we used the cash to make the payment. Looking back we wished we would have saved the cash for a car, but another lesson learned in the process. The day came when Murph moved on from that company and we had to get take over the payments. We were in a bit of denial that this car was a “company” car and never wanted to take responsibility that our name was on the title. Well, we finally decided to pay off the 2013 Toyota Camry and made our last payment in February 2017. Today the car is still running strong with 166,000 miles. +++ Car 2: The 2007 Nissan Altima Hybrid was purchased before the Toyota in 2014. We used a car to trade in, but still got stuck with a car note of $18,000. This car has roughly 156,000 miles on it and by God’s grace hasn’t had any major issues along the way. Our last payment on this car was in January 2016. +++ Moving forward, we have a car savings fund (maintenance/new car) and plan to pay for our used cars with cash upfront. +++ How about you? What is your plan to pay off your car(s)?

1 day ago

Having a solid plan will help you sleep better. What most people don’t know is that Life Insurance is a solid plan to build on Term Insurance is a great way to replace your income, clear up any debts, and provide money to your family in your demise. The cost of that is usually about that of a cup of coffee from Starbucks everyday. Maybe less, maybe more depending on your health Permanent Insurance can do that and more. • Gives you ability to build a cash reserve over time and cash flow over time. • Fights inflation. The value of a dollar goes down over time, so compounded interest on your money helps to combat that. • Provides Long Term liquidity or access to your money and reduces your taxation. No penalties, no feels- keeping more money in your pocket Wills are another subject altogether. I posted an article about it earlier in the week, but it’s important to know that beneficiary designations in life insurance policies trump Wills. Therefore you want to make sure those are updated. Wills are still very necessary if you have other assets- real estate or any possessions you’ll need to give directives on for when you transition If you haven’t had this level of financial planning and you’d like more information about your best course of action, DM me for a consultation whitfieldinvestments lifeinsurance lifeplanning financialplan personalfinance financialcoach financialadvisor insurancebrokers savings emergencyfund collegeeducation lifeinsurance generationalwealth blackwealth blackowned blackownedbusiness financialservices legacy financialliteracy

1 day ago

Bout to be another expensive summer 😫😫😫😫 How do you guys make the best of your being out of school and it not costing a fortune to feed them daily? STAY DEBT FREE MY FRIENDS 😎 FinancialFreedom SideHustle Frugal 🚫 Credit🚫 Debt🚫 7BabySteps PersonalFinance EmergencyFund StudentLoans DebtFree DebtIsWack CreditSucks DaveRamsey FinancialPeace WallStreet IRA RothIRA 401k BlackMoneyMatters FinancialLiteracy DebtSnowball CashIsKing DebtFreeJourney DebtFreeCommunity RIPNipseyHussle

1 day ago

Awe. So Xena has just returned from the vet with 10 stitches! She somehow cut herself under her leg, presumably on a fence or barbed wire or something. Poor thing is still a little sedated and walking into things. So I don't have pet insurance as I put money aside each month. But, this incident has wiped the kitty savings now. Let's hope nothing happens for at least a few months. I'll need to increase the monthly savings a little though as a trip to the vet is expensive! Check out my blog for a post on pet insurance- use the search option. cat kitty vet veterinarian stitches pet petinsurance insurance medical petemergency emergencyfund

1 day ago

We paid many accounts off this month, and the best part is we keep getting little refund checks from over payment. Honestly I would have rather not paid the extra money in the first place, but it feels nice to have these lenders give me money instead of take it all the time. This is a refund from the mortgage on the rental property we paid off when it sold, then I got $150 back from lendingclub_official and am expecting about $700 from some credit cards that my debt consolidator over paid. : : debtfreejourney debtfreecommunity accountability beweird debtisdumb frugalmom budget frugalliving momlife minimalist simplelife simpleliving momonabudget momof5 familyof7 personalfinance getoutofdebt money emergencyfund goals personalfinance fire firecommunity yogi yogateacher yogastudent gum

1 day ago

Are your medications part of the problem? ⠀⠀ So here’s the thing. I never paid much attention to my Rx side effects other than to see if constipation was listed because lactoseintolerant 🤷🏻‍♀️ ⠀⠀ When I started paying attention I noticed more than 1️⃣ drug caused skin problems. That’s bad news when you take multiple meds. ⠀⠀ Are you paying attention to the listed side effects?

1 day ago

How many habits did I used to be guilty of? All of them. One thing that I teach first in our financial coaching program is the importance of the emergency fund. You just need to start off with $1000. It’s amazing what a cushion it will provide for you. So step 1 is have a baby emergency fund of $1000. If you have consumer debt such as credit cards, car finance etc then your savings should not be more than a grand. If it is then put it towards your debt. debtfree frugalliving financialhabits emergencyfund financialcoaching financialadvisor aucklandbusiness aucklandproperty

1 day ago

Morning motivation. 💸 • What did you think of this post? Leave a comment down below ⬇️ • DM me to network 🌐 or collab! 👍🏼 • I hope you took something out of this post. The grind starts, NOW.🚀 • Follow theteenagegrind theteenagegrind theteenagegrind • Turn on post notifications! Turn on post notifications! Turn on post notifications! • teenage teenmoney teeninvestor teenwealth grind hustleentrepreneursuccess entrepreneurmindsets barefootinvestor wealth emergencyfund ridofdebt livingonabudget entrepreneurtip entrepreneurtips entrepreneurinspiration debtfreedom retireyoung moneymindset wealthymindset businessquote businessadvice personalfinance financialfreedom businessowners businessmen money💰 moneyhungry

1 day ago

Last week our dishwasher broke. It simply would not turn on. Hubby pulled it out and gave it a once over. Tried the plug in different power points and it still wouldn’t work. Took the cover off only to find that one whole side had rusted through. In some places the cover had completely rusted away from the screw and on top on that, there were cockroaches 🤮 I don’t even understand how they got to that part of the machine 🤮 ai wasn’t so phased with washing by hand but after a week of spending 45 minutes washing, drying and putting away each night, I caved and we took money from our emergency fund. Hubby took cash and they shaved a little extra off the price! cashisking dishwasher mumlife itriedoldschool familylife emergencyfund

1 day ago

Ini adalah beberapa fungsi dana darurat. Dana darurat menjadi bumper ketika kita mengalami kejadian-kejadian tak terduga yang tidak dicover oleh insurance. Misalkan, Bapak A memiliki toko bunga, lalu terjadi kebakaran, sementara ia tidak meng-asuransikan dagangannya, karena perputaran siklus hidup bunga yang cepat layu. Nah, dana darurat bisa jadi pertolongan pertama supaya arus cash dan kehidupan Pak A dan keluarganya tetap bisa berjalan. Atau contoh lainnya, mungkin genteng rumah bocor, mobil mendadak rusak, kantor tempat bekerja bangkrut atau ada keinginan untuk keluar dari pekerjaan tapi harus memperhitungkan biaya hidup sampai usaha kita memperoleh penjualan yang setara dengan penghasilan kita. Sekali lagi, dana darurat bisa jadi membantu kita. Biasanya banyak karyawan yang stuck ingin usaha tapi "takut", karena biasanya mereka memiliki utang konsumtif dan tidak memiliki tabungan atau dana darurat. Akhirnya terjadilah lingkaran setan antara takut keluar karena tidak ada "bumper" untuk pengeluaran hidupnya, tapi juga sudah tidak nyaman bekerja dan ingin berpindah profesi. Nah makanya, kalau sudah benar2 clear dari hutang, yuk mulai sisihkan penghasilanmu untuk dana darurat. Perlahan tapi pasti, keuangan itu harus dibangun, karena kemakmuran tidak pernah jatuh dari langit begitu saja. Wealth is built And thats what makes it fun. Follow me aldy.j.tjan Follow me aldy.j.tjan Follow me aldy.j.tjan for more positive and useful contents rencanakankeuanganmu success sukses mindset graphicdesigner graphicdesign financialplanning entrepreneur pengusaha tips bisnis positive contentcreator tjanstudio smart pengusahamuda millenials personalfinance manajemenkeuangan danadarurat emergencyfund entrepreneurship tahuduit savingmoney

1 day ago

Businesses cannot be successful when the society around them fails.Team CBL at Mater Heart run this morningHappy Weekend! MyFriendMyBank MaterHeartRun2019