#moneymakeover

[mysstella]

Life Update 1/14/23

Hey guys! So sorry it’s been so long, my pc needed parts and I had a bunch of other stuff going on as well, and then I proceeded to procrastinate on posting here, of course. All is well now though, so I would love to continue with daily updates again. 

Since we last spoke I have been able to start a nice chunk of my savings, and I’ve been looking into either getting a better job, or even moving up in my current job. I’ve been trying to brainstorm on what I would like to do as a long term career, and honestly, I’ve been struggling quite a lot. I know one thing I’ve loved about all my jobs so far, has been the human interaction, and helping customers, the things I dislike specifically about my current place of work, is my management. I cannot stand who my upper management is, both my store manager and sales manager have made their way onto my shit list. The way that both of them talk to people is so demeaning and condescending, and it really grinds my gears. Another thing I dislike about my current position is how temporary it feels, I feel like this is just the filler chapter of my life, which I guess it kind of is, but I would love to still feel like my life has some meaning, ya know? 

I’ve been working really hard to try and focus on my goals, and make sure I don’t over spend. I have a few things I need to spend on this month that are necessary but unbudgeted for, such as new sneakers to work in (my old ones were worn out and my feet have been killing me), and I also need an oil change and tire rotation for my car. Both of these are just parts of life, however I had not budgeted them in necessarily, since I barely started budgeting to begin with. 

I am going to try to start putting away at least $50 from each paycheck, now that I get payed weekly, that will be $200 a month, which hopefully will be achievable. That will end up being a little over 2K saved this year just from that. I would also love to start Door-Dashing again to bump up how much I can afford to stash away each month. Even if that doesn’t happen though, I hope I will at least be able to keep up with the minimum of $200 a month. 

I also think I am going to start doing a weekly spending log at the bottom here, instead of doing it as daily, so I will update it every time to adjust the amount per week, including bills and everything. But I will start that this week, since I have also fallen back on not tracking my spending as I was previously. 

Finance Tracker:

Savings: $500

[ceritanyaanifah]

Money Make Over? #2 'Weakness Spot'

Dulu suka agak gemes ama financial advisor/konsultan/apapun namanya yg ‘masuk’ ke kitanya lewat kekhawatiran-kekhawariran masa depan. Endingnya sama, kamu WAJIB budgeting dana A, B, C dst. Ditambah banyak bet teori ribetnya. Nah cuma akhirnya saya nemu yang agak simple sesuai kapasitas otak saya (?). Salah satunya di channel youtubenya Dave Ramsey (doi adalah Author buku The Total Money Make Over yg famous ama 7 Baby Steps-nya, 2 x millyarder, pernah jadi milyader-bangkrut minus-trus jadi milyader lagi, so he such of practical bangkrut gitu deh, detailnya googling dah). Salah satu yang nyantol banget di saya adalah perihal weakness spot.

Oke, menurut si Dave Ramsey pengeluaran kasarnya dibagi 3: Spending, Saving (termasuk investasi) dan Giving. Dan menurut doi, manusia pasti punya 1 weakness spot diantara 3 itu.

Contoh, seneng nabung, seneng sedekah tapi gak jago belanja, mudah terhipnotis (?) tipudaya sale (weakness spotnya berarti di spending). Jago manage belanja, gak gampang tergoda, sedekah ok, tapi gak jago muterin duit-usaha/investing jadi incomenya stagnan gitu (berarti weakness spotnya di saving). Atau manage spending ok, saving oke tapi sedekahnya belum joss (berarti weaknessnya di giving). Case ini kemudian akan menjadi agak kompleks pas kita nanti udah sama pasangan(?). Kalo dipertemukan dengan weakness spot yg beda berarti Alhamdulillah saling melengkapi. Tapi kalo dipertemukan dengan yang weakness spotnya sama, kudu saling ngingetin.

Oke sampai sini yg paling penting adalah mengenali diri sendiri, dimana weakness spot kita? Sampai akhirnya ‘budgeting’ jadi tools yg digadang membantu meminimalisir drama-drama finansial ini. (Practical budgetingnya cek di channel youtube aja, dan ini baru 1/7 dari 7 baby stepsnya 😅)

Kok buat hidup diri sendiri itungan matematis bgt sih? (Ini nanti saya share di part 3 deh, gak muat captionnya✌)

Saya nggak ngikutin semuanya teorinya sih. Terutama part giving. Menurut saya kurang greget kalo giving atau urusan yg transaksinya sama Allah dibatasi budget. (Tapi gpp juga kalo mau set proporsional. Tergantung kadar keyakinan dah ini).

[amielle-zay-marcotte]

Creating a Budget is the POWERFUL difference between telling your money where to go verses wondering where it went. ♥️ Isn’t it nice knowing, we have everything we need to begin now 🙏🏼#financiallyfit #lifeactivation #responsibility . . . . . . . . . . . . . . . . . . . . . . #financiallyfit #moneymakeover #investment #sayingno #responsibility #manifestation #liberation #independent #thejoyoflife #balance #highvibes #truthfulness #organization #higherawakening https://www.instagram.com/p/CXfuh-CrpIZ/?utm_medium=tumblr

[marmotfinance]

5 Proven Ways to Become Financially Independent

While growing up, you must have heard the term financially independent being used a lot by the grown-ups. They might often advise on how to become financially independent. Some may be a feasible option for you, while others may not.

Do not worry because becoming financially independent is not a cup of tea and takes time.

Becoming financially independent by 18 may not be possible for everyone, especially after the economic turmoil of 2008. Everyone thought that they could never attain financial independence. However, the global economy started recovering and performing well after the 2008 crisis, when the new covid-19 pandemic hit and made things worse for a few.

For some becoming financially independent by money, makeover looks like a far-fetched dream. With proper planning, spending, investing and analysis, the dream of being financially independent can still be achieved.

This article will explain what being financially independent means and how you can become financially independent by following some tips.

What does being financially independent mean?

Financial independence is that status you get to when you have enough income and money flowing into your account that you do not have to work to pay the bills.

The term financial independence by money makeover means different for different people. For example, some people call themselves financially independent as they could meet their financial obligations without taking money from their parents or other sources.

Continue reading

[warriorbodyspa]

If summer’s self-care mood was “treat yourself,” then 🍂 fall’s #selfcare mood is “let’s do the damn thing.” 💰 FINANCIAL self-care. Because a) summer was expensive 🍾 b) September is Self-Care Month anyway & c) getting your money stuff in order feels great. It’s good for present-day you: Sometimes the best way to beat #stress is to look the stressful thing in the eye and #conquer it. 😅 And it’s good for Future You, too — the sooner you get started, the more time you have to work toward your goals. Exponential interest growth, anyone? 💴 ⚡️ . And it’s good for stress: In one survey, 73% of people who had clear #financial goals also said they had lower stress levels. Plus, like with any self-care practice, the more consistent you are with it, the better it gets. So here’s your FALL FINANCIAL SELF-CARE CHECKLIST. 🥧 Sharpen some pencils, pull out the chunky sweater (that it’s still too hot to wear), and get ready to set some #intentions. Pumpkin spice latte ☕️ optional. JUST DO IT! . Subscribe to my #podcast Health, Wealth & Womanhood (link in bio) for more #moneytips! —- Set up your financial investment goals with @ellevest. Leave 💰💰💰💰 in the comments for a free $20 from me towards your investments. ... #investinwomen #investlikeawoman #ellevest #wealthwednesdays #warriorwednesday #healthwealthwomanhood #moneybags #debtfreejourney #moneymakeover (at Salesforce Tower Atlanta) https://www.instagram.com/p/B21XDuSAf_G/?igshid=x22oogo4uf7t

[thanakritintapan]

มากราบอาจารย์พี่หนุ่ม จักรพงษ์ เมษพันธุ์ The Money Coach ในสัมมนา Monny MakeOver #TheMoneyCoach #MoneyMakeOver #MoneyLiteracyThailand #MoneyFitnessThailand #มูลนิธิคนไทยฉลาดการเงิน (at Miracle Grand Convention Hotel) https://www.instagram.com/p/B0c6R3Og__c/?igshid=1acp4soo7vbhl

[mabstallaght]

Great advice and tips from @ccpcireland on planning for your baby’s arrival. Your bundle of joy can also bring big expenses, even before he or she is born. Spending a bit of time planning your finances before your baby arrives will really help you prepare for the cost of pregnancy and beyond. #budgeting #planning #newbabycosts #makingplans #moneymakeover #babybudgeting #weareheretohelp #tallaght #callus #mabs @ccpcireland @dublinsouthmabstallaght (at Dublin South MABS - Tallaght) https://www.instagram.com/p/BwUYChinJwm/?utm_source=ig_tumblr_share&igshid=zgvkh0vu2q2p

[mothereaglekk]

Book of the Week: The Total Money Makeover by Dave Ramsey

Book of the week: The Total Money Makeover by Dave Ramsey. If you haven’t heard of Dave Ramsey, you are missing out on plenty of financial wisdom. In this book, Dave gives you a step by step plan of winning with money. As you organize yourself to follow the baby steps, you need to setup a zero-based budget. This is where you allocate the funds from your paycheck before you actually spend them. With this budget, your total pay-check amount is listed at the top and reduced for every individual expense listed. All monies have to be allocated thus ending with a zero balance. The 7 baby steps are: 1.Have an Emergency Fund 2.Get Out of Debt – The Debt snowball 3.Fully-Funded Emergency Fund 4.Invest 15% for Retirement 5.Saving for college 6.Pay-off the house 7.Start Building Wealth and Give For more financial wisdom, the Dave Ramsey show, financial peace university & budgeting tools, check out daveramsey.com. #booklovers, #financialliteracy, #mothereagle, #personalfinance Read the full article

[amandayatesgarcia]

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A post shared by Amanda Yates Garcia (@oracleofla)

BUSINESS TIP FOR HEALERS AND CREATIVES #1 . Stop saying you're not good at business. . You can do anything you set your mind to. Don't leave it to the Walmarts and Amazons of the world to understand how business works. . In the world as it is now, money is power. It's time we healers and artists start taking our power back. . P.S. I'll be holding a workshop on how to start your own business and shift your money mindset this Saturday. Click the link in the bio for more info. . #HealingMagic #MoneyMagic #WitchTips #HealingBiz #ClaimYourPower #BusinessIsFun #YouGotThis #PowerWitch #MoneyMakeOver #BusinessTipsForWitches #abundance #abundantlife #blessed #spiritualeconomics (at Los Angeles, California)

[freshplug]

If you are looking for financial peace, pick this book up. It will change your life!!! #ChallengeYourself #FinancialFreedom #MoneyMakeover #DebtFree #BuildWealth

[balancedexcellenceproject-blog]

#TheDeLaneyDifference #obsessedwithbalance #lifestyleoverhaul #thejugglestruggle #fullbalancedlife #theartofbalancedexcellence #excellence #beready #betrue #beyou #beinspired #mindsetofgreatness #selfaudit #selfawareness #selfmanagement #selfleadership #selflove #rhythmliving #liveonlessthanyoumake #easytounderstandbuthardtodo #beyourowncfo #ownyourlife #mindfulspending #legacychange #trusttheprocess #formula4change #development #declutterlife #savemoney #putyourmoneytowork #moneymakeover #dailyroutine #habitsareeverything https://www.instagram.com/p/B3ssIdkJv7r/?igshid=p0dzfyc4kk5g

[mysstella]

Day Five- Dec. 18, 22

Hey guys! I haven’t been up to too much today, but I do have a work dinner tomorrow so that’s cool I guess. In all honesty, its pretty late right now and my brain is kind of giving up on me, so it may be another short update for today, sorry. 

I did have to spend a little more than I would’ve liked on lunch today because the other place was way too busy, and any other day I would’ve just skipped lunch but I worked a later shift than usual today as it is so I was already pretty much starving. I think Sundays I will do an end of the week recap, as in showing what I spent for the week. Also, I didn’t notice until a little while ago but my phone bill snuck in yesterday on autopay, so I should've included that as well for yesterdays update, but it was $50 for those wondering. 

One of my more personal goals for this upcoming week is to get at least something put into my savings. Another goal is to try and get my sleep schedule back on track. As some of you may know, I had a week off last week, and my sleep schedule has been all sorts of out of line. 

One thing I would love to do to wrap up the end of the year is tidy up my space, and try to just really finish the year off strong, and therefore starting the new year off fresh. I definitely need to super deep clean my room and declutter a ton of stuff, maybe I’ll actually sell some of it and put that money into my savings as well, but if I don't get to it I plan on at least donating what I can. 

Alright, I think that’s all for today. definitely feel free to DM me suggestions or hit the “Ask me anything” button on my profile if you have questions or feedback! I’d love to hear from you!

Finance Tracker:

Savings: $0

Spent Today: $14.88  

[originalhotdreamland-blog]

Metro Bank cuts residential mortgage rates http://cstu.io/b31309 #money #moneyMakeover #finance #money #millionaire #business #cash #success #rich #wealth #finance #stocks #stockmarket #trading #trader #investing

[thanakritintapan]

มา Camp of The Money Coach จริงๆ คนจริงๆ ไม่ได้ตัดต่อ #MoneyFitnessThailand #MoneyLiteracy #MoneyMakeOver #MoneyCamp (at Suan Bua Resort and Spa, Chiang Mai) https://www.instagram.com/p/Bs16ubwlowE/?utm_source=ig_tumblr_share&igshid=fgmyd5bhvzlm

[mabstallaght]

@dublinsouthmabstallaght have appointments available. Why not call us on 076 1072370 or email tallaght@mabs.ie to make an appointment? #budgeting #planning #newbabycosts #makingplans #moneymakeover #babybudgeting #weareheretohelp #tallaght #callus https://www.ccpc.ie/consumers/money/budgeting/money-saving-tips/new-baby/?fbclid=IwAR2SYIZs0j5X3jZjuTy5Nugp8aZpqhXY4b4dGRdBN6MfuP5xGEKkpNMAPp0 (at Dublin South MABS - Tallaght) https://www.instagram.com/p/BwUM-tDn9G5/?utm_source=ig_tumblr_share&igshid=7ajfacuvu3wr