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#budgeting101

MOST RECENT

(In reference to savings accounts) The amount of interest you gain from keeping money in a savings account for a year, it does not including compound interest.

$540.36...that is the average amount that my family has been using as extra mortgage payments monthly (based on the past 12 months). That is $6484.32 over the past year. Paying off the house as fast as possible is essential for financial independence, and a chief goal of my family.

This amount can be more, sometimes is zero, depends on the amount of money left over at the end of the month. This would not be possible without the self awareness to not only budget, but to be disciplined to the budget.

The overall savings is quite impressive. If the mortgage amount was $100,000 @ a 4% interest rate for a term of 15 years, the total payback amount of the loan would be $133,143.83. However, with additional payments of $540.36 each month, the payback amount will be $116,033.35 and will be paid back 7 years and 5 months faster! That is an awful lot of craft beer. 3 DAYS TIL BUDGET DAY. Excited to see how much we can throw at the mortgage. #budget #budgeting #budgetplanner #budgeting101 #budgetinghelp #craftbeer #loyzee #math #teacher #coach #finacialindependence

I was tagged by @debtfreeby2027 for 5 random facts about me. 1) I'm a super picky eater, texture matters. 2) I have 3 degrees. 3) I like pets but their butts weird me out. 🙈 4) I sometimes get the strong urge to join the circus as a ring master. 5) I'm an extrovert imposter (I'm really an introvert once in large settings). I nominate but won't hold u accountable to play: @running2debtfreedom @the.minimalist.life @firelitfamily @budgetingbroke @frugalwalkwithgod #budgeting #debtfreejourney #debtfreecommunity #mindingmymoney #deathtomurphyslaw #budgeting101 #positivevibesonly #fightingformymoney #financialfreedom #financialfreedomstartshere #rememberwhyyoustarted #debtfree #debtsucks #everypennycounts #budgetlikeaboss #minimalistintraining #declutter #lessismore #minimalist #frugalliving #simplicity #debtfreedom

$3.xx at Smith's😅 this helps out a lot when stretching our budget #budgeting #budgeting101

Budgeting 101 up on the blog for all those money questions you have! This post is really informative, if you want to see more of this style I would love to make a series! It’s all about what you guys want. 🤩💰





#money #budgeting #google #handwritten #paperclips #like #follow #blogger #blogbabe #plannerbabe #computer #moneyproblems #help #budgeting101 #breannayvonne

Have your savings direct deposited or automatically transferred to your savings account on payday.
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Let me know in the comments how you automate your savings.
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www.financialdemics.com - Click the link in the bio to subscribe.

Big thank you to the students and staff of my school for assisting my family’s journey to financial independence.
On Thursday the students and staff left 7 pop cans laying around the school (I even actually asked for a few #noshameinmygame). This is a way common practice with almost 2000 people in the building and numerous pop machines. That is $0.70 here in Michigan.

I collect cans and bottles daily...suppose I collect 7 returnables each school day (180 days), I would have collected $126. If I were to invest that $126 into an investment vehicle earning 6% interest after 30 years I would have $723.68. If that rate of return was 10%, I would have $2198.62 in 30 years. Can’t get a 10% return?? Then you haven’t been paying attention much lately. #selfawareness
Imagine now doing this for the past 18 years!!! The rule here is simple...please drink more pop students and DON’T THROW FREE MONEY AWAY, no matter how small the amount.
4 DAYS TIL BUDGET DAY!!
Wish me luck with only $14 of blow money left for the weekend. #ilovecraftbeer #budget #budgeting #budgeting101 #loyzee #craftbeer #teacher #coach #blowmoney #returnables #finance #compoundinterest

I'm a few days late, but how's your progress toward your monthly goals?  I am still working on all three.  I hope to have one knocked out by Sunday.

Finally. A budget system that makes SENSE. And will work for me. I GET IT NOW. @shanleesimmons I’ve wanted this info for YEARS! Makes so much sense. Can’t wait to hunker down with my calculator and spreadsheets tomorrow. Excited! #worryfreemoneybook #worryfreemoney #budgetingmadefun #budgetingmadeeasy #budgeting101 #happypocketfullofmoney

@moneyafrica
#Budgeting101

Is the January Blues scorching you?
If yes, then you most likely didn't plan or an unforeseen circumstance overwhelmed you.

For most people, it is the former.

What will you do differently this year to ensure you are not literally crawling through the last half of the month due to insufficient fund?

You need to have a budget
If you do NOT plan then you can't track it.

Savings = Income - Expenses.

If your expense is more than or equal to your income. There will be NO savings!
You might even end up in debt.

Let's talk about financial discipline

#Budgeting101

Is the January Blues scorching you?
If yes, then you most likely didn't plan or an unforeseen circumstance overwhelmed you.

For most people, it is the former.

What will you do differently this year to ensure you are not literally crawling through the last half of the month due to insufficient fund?

You need to plan a budget
If you do NOT plan then you can't track it.

Savings = Income - Expenses.

If your expense is more than or equal to your income. There will be NO savings!
You might even end up in debt.

Let's talk about financial discipline

#FinancialFreedom
#FinancialLiteracy
#FinancialDiscipline
#Finance
#Money
#Invest
#LongtermPlanning
#Cashflow

$0...that is the car payment on this beauty that drives me 20.4 miles/day, which is 38 minutes/day. If I do the math correctly, that is 102 miles/week and 190 minutes a week. There are 10,080 minutes in a week. Why the hell would I pay hundreds of dollars a month to be in the car 1.9% if my week??? #nocarpayment
One of the greatest factors for my family’s goal of complete financial independence was ridding ourselves of car payments. Our family made our last car payment ever on June 24, 2010.

We take car if our cars because we own them, not the bank or the dealer. When something breaks - it gets fixed. Shout out to the guys @feldmanchevyhighland and Andy Larson (@_kimberly_rose________________ ) for always meeting our car maintenance needs.
#debtfree #budgeting #budget #loyzee #coach #teacher #singleincome #math #budgeting101 #budgetingtips #financialindependance
6 DAYS TIL BUDGET DAY!!!

Roughly one-third of Americans have saved $0 for retirement! Have you started investing for retirement? If not, why not get started today with @stash_app ? Plus, get an extra $5 bonus to help you get started when you sign up!

My husband gets paid every two weeks. I'm a stay at home mom. We have half our mortgage payment get deposited into a separate bank from each paycheck. We do this so we don't have a big lump sum coming out of one of the pay checks AND we don't even see the money. It's not at our "daily" bank. We have also calculated our property taxes into that split. Works like a charm and our mortgage payment is NEVER a question or worry. Same thing can be done for rent. .
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#budget #budgettip #budgeting #mortgage #rent #budgetswin #budget101 #budgeting101 #cashonly #debtisdumb #cashisking #daveramsey #envelopesystem #motivation #moneytip #debtfreecommunity #debtfree #nocredit #nocreditcards #nodebt #budgetorbust

Have you tried negotiating your rates? A little legwork upfront could have some huge payoffs down the road.
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#TipTuesday #bills #personalfinance #budget #budgeting #instabudget #budgetlife #cashtime #utilitybill #money #billsbillsbills #inspiration #moneytips #savemoney #budgeting101

I just want to be a good student and steward of my life. I want to be better at anything I have struggled with. One of those areas is budgeting. I have not always been the best at budgeting, and I have made some bad decisions before like we all have,👀 but I know in order to grow and learn and add to my life what is lacking; I have to study and apply what I learn. It's not enough to earn from my labor. I want to be the BEST manager, so I am taking a class on #Budgeting📑💵, and I’m already in awe of what I’m beginning to learn and will be learning. I have struggled with getting it right lol , but I know I am positioning myself for all the abundance coming my way, and I want to show God that I am thankful along with teaching my daughter how to do the same.👭💕 Pray for me as I balance this lesson, my business, and the other plans on my agenda. 😩 Lol I know I got this even though I will be seeing a lot of numbers and charts. 🤦🏽‍♀️😅 But it will all be worth it. And I will have checked another goal off my list that supports financial freedom.
Whatever God puts on your heart to begin or finish it is time to get started. We all have a path in this life. I can honestly say my path has definitely not been the "normal" traditional one, but I’m grateful for my unique journey, and I am making the very best of it with all my heart. I will keep yall posted! -Tracy ❤

#budgeting101 #lifelessons #life #goals #money #mompreneur #finances #goodsteward #leadership #grace #abundance

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