#mnnice

[mindfulmoneyminute]

Four Walls

Dave Ramsey says it’s very important to make sure you have your four walls. If you are worried about money,mounting student loan debt, not knowing how you are going to prioritize your money when you have competing money needs. You should write on a piece of paper your four walls: food, shelter, utilities and transportation. That’s it! If your money is tight only do these four walls.

A tight budget could look like this you make $1,200 a month, your single, You eat $200 in food, you pay $600 in rent, you pay $100 in utilities and you pay $120 for your gas. That’s $1,020 you have $180.00 left for clothes, oil changes, debts or savings.

Wall one food. You need to eat so you can concentrate at school or work. The food you are eating is nourishing and not a number 7 with a Diet Coke. Make your own food, try to keep your monthly food budget around one or two hundred per person a month.

Wall two shelter, You need to relax when your done working. Whether you already own a house or you rent make sure you pay for your shelter, Dave Ramsey suggests it should be about a 1/4 (0.25)of your take home pay. I live in a high rent / mortgage payment area so I do (0.32) Dave Ramsey does not have dogmatic percentages as some would like to blog about. If you listen to his radio show for fifteen minutes you will see that his approach is right but there is flexibility in the percentages he lays out. He wants you to win with money so the more money that is going to housing the less you have going to debt or investments.

Wall three utilities, to live a comfortable life and not worry if you can cook food on the range, microwave or turn on the lights pay for your utilities before you pay for your credit cards or student loans, if you live in cold Minnesota like I do heat is so vital! Don’t worry about making your debt collectors angry because you can’t pay them if you have to choose between the four walls or paying them. Just block them and call them when you can pay them. I was not born in MN so I don’t care about #MinnesotaNice.

Wall four transportation, whether you have a car or take public transport make sure you can get to work so you keep your four walls up.

Thanks for reading, peace.

(Note: I am not a financial professional nor claim to be please seek out professional advice about your unique situation. This is my opinion and freedom of speech.)

[photojenicphotography]

Morning walk w/Stella. #dogsofinstagram #dogs #germanshorthairlab #morningwalk #feelikespringiscoming #morningdoves #mnnice #morningslikethis (at Jen’s Casa) https://www.instagram.com/photojenic1/p/Bu8w62LgxK8/?utm_source=ig_tumblr_share&igshid=i2u3bi2xn2zj

[knitteapolis]

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A post shared by Knitteapolis (@knitteapolis)

Tomorrow is the 4th annual Bundle Up MN! Tomorrow the Random Act of Kindness groups @thespreadsunshinegang & @thisliferocks will be distributing all the warm winter items we’ve been gathering throughout the year around Loring Park in downtown MPLS. Thank you so much to all who donated new and gently used winter gear such as hats, scarves, mittens & gloves, boots, and coats! Each item will be left out in Loring Park w/ a tag that says “I’m not lost! Take me. #bundleupmn”. Anyone and everyone is welcome to come and pick up what they need. There’s no questions asked, no paperwork, and no human interaction. People are welcome to come get what you need to stay warm, safe, and dry during our cold MN winters. If you have any winter gear you‘d like to donate, please DM myself or @thespreadsunshinegang! We will be doing another round later on this winter. #randomactofkindness #thespreadsunshinegang #thisliferocks #knitteapolis #peoplehelpingpeople #raok #mnnice #bekind #itsnicetobenice #spreadlove #smilesformiles #loveoneanother #guerrillakindness #mplsmn #minneapolis #thisismymn #capturemn #minnesotaexposure #minnesotalife #minnesotanice #mnwinter (at Loring Park) https://www.instagram.com/p/Bsjiyk2lJ_Q/?utm_source=ig_tumblr_share&igshid=1nf9w4hbdtobi

[milesquicksilver]

Sometimes I miss the cities💕❤️#youbetcha #mnnice #mnskyline (at Minneapolis, Minnesota) https://www.instagram.com/p/CV1d5Lorkmx/?utm_medium=tumblr

[tsgminneapolisminnesota]

You can feel the excitement in the air... Minnesota is ready to roll out the red carpet to our visitors 📷 @lpvisuals 🏈💜🏆#mnnice #supportlocal (at Minneapolis, Minnesota)

[goodlifeguru]

Embracing the beauty that landed with the pile of snow! #mnNice #snowwhite (at Lake Harriet (Minnesota))

[soulfulsounder]

#MNnice #sunset (at Todd County, Minnesota) https://www.instagram.com/p/BzrYDRkJzf4/?igshid=c9b0fc1s7htm

[purpleandviolet]

@tycphotography - Capitalized on the moment and took this shot while the city was shut down for a car show. What a night... • 📸 - @tycphotography • #tyc #tycphotography #fasetto #ivswraps #magnetikote #toyotires #ccwwheels #lm20 #mpls #nicolletmall #s2000 #s2000gram #lightpainting #automotivephotography #carporn #purple #purplerain #purplereign #mnnice #mncec #lightthenight https://www.instagram.com/p/BszWTuIlRZa/?utm_source=ig_tumblr_share&igshid=8p5m1dg6z4co

[janetisandcompany]

The Plateia Ring is cast in silver and then finished with a light oxidized patina to high-light detail. #handcrafted #handcraftedjewelry #silversmith #silverring #rings #fashion #jewelry #photography #mnNice #mnlife #minnesotamade #igdaily #igers

[timelesstreasuresbym]

Went to some craft shows today and saw this shirt w/the word “Ope” - a true midwestern word! 🤣 Do people say that in your area? . . . #ope #mnnice #mngirl #timelesstreasuresbym #etsy #etsyshop #etsyseller #vintageshop #nostalgia #vintagelife #etsysellersofinstagram #jewelry #homedecor #kitchenware #vintagekitsch #drinkware #barware #handmade #retro #mcm #farmhousestyle #fashion #giftsforher #giftsforhim #wedding #birthday #vintage #vintagestyle #vintagefinds #vintagefashion https://www.instagram.com/p/BqBV1_EgYm0/?utm_source=ig_tumblr_share&igshid=t7j9ynvu4kso

[26point3andbeyond]

Weekend fun for the Birthday Girl🎉 ° #diamondlkphotography #memorialdayweekend #birthdayweekend #goodeats #greatwine #arts #flowers #frankgehry @weismanartmuseum @forlornhopewines #rosé #queenofthesierra @gystmpls #flowers @gertens_ #wineporn #prince #royalweddingcake #cats #erikthered #cheshirecat #pottery #hothothot @margokurth #royalwave #hibiscus #livealoha #happybirthday #minnstagram #mnnice (at Minneapolis–Saint Paul)

[knitteapolis]

Inspired by the incredibly kind and talented @thisliferocks, I decided to yarnbomb some rocks and place them all over the Twin Cities! 🌺 Some are left in plain sight like this fancy fella while others are tucked away behind potted plants, next to chairs, or under other rocks. If you find a snazzy stone on your travels, join in on the #guerrillaart fun and place it in a new spot. 💫 For more super sweet rock art and just general feel good #randomactofkindess goodness, follow @thisliferocks. 🌟 #guerrillakindness #thisliferocks #liferocks #guerrillaknitting #yarnbomb #yarnbombing #knitteapolis #crochetallday #goodvibesonly #yarnbombs #randomactofkindess #crochetfun #mncrochet #crochetersofig #smilesformiles #mnart #thisismymn #mnnice #bekind #gaviidae #downtownmpls #mplsdowntown (at Dayton YMCA at Gaviidae) https://www.instagram.com/p/Bs_XJOLFVEU/?utm_source=ig_tumblr_share&igshid=c8qd9xed5yss

[gusgusinthecity]

i don't ever want to look back and think 'i could've eaten that!' #noregret #eatitall #sweettreat . . shop local!! shirt (@shopdogthreads), mug (@dogsofmsp), and ice cream (@mnicecream) are all MN based companies!! . . . . . . . . #gusgusinthecity #mndogs #mnnice #dogsofminneapolis #bestofnempls #frenchieoftheday #frenchies1 #french_bulldogs #weeklyfluff #bestwoof #ellenratemydog #dogstagram #puplaugh2 #woofyou3 #frenchieinfinity #dogdrool3 #todayfanphoto #thepuppytown #frenchiephotos #thefrenchiepost #petoftheday #dogsofbark (at MN Nice Cream)

[missamericamn]

Day 29: Thankful to represent the place I call my home. Forever and always, Minnesota will have my heart. 💕#missminnesota2017 #missamericamn #missmnattitudeofgratitude #mn #mngirl #home #mnnice #smalltownbigheart #dcp #abc #mao #briannadrevlow (at Minnesota)

[goodlifeguru]

We may as well stock@up@on supplements while here at @lakewindsfoodcoop Minnetonka location for a demo! #mnnice #stayhealthy #allnatural (at Lakewinds Food Co-op)

[soulfulsounder]

Summer nights. #mnnice #lake #reflection (at Bertram Lake) https://www.instagram.com/p/BzMyHtiJmtb/?igshid=1auqvm9c6foqk