When total student debt passed total credit card debt in America in 2014, it was headline news. Now, student debt has just exceeded one-and-a-half times total credit card debt: http://qoo.ly/q8din
4th of July parties are a summer staple, but a big bash can hit your wallet hard. Check out these tips to throw a blowout on a budget!
Ready to open an escrow? We're here to help. If you have any questions about the escrow process or how we will match you with the escrow agent best suited to your transaction, do not hesitate to contact us!
If you love beans on toast but want to make it more exciting...you need to try my Boston Beans!! Baked beans with bacon, garlic, paprika, mustard and maple syrup! Serve on some hot buttered toast for some serious comfort food! Let me know if you want the recipe ❤️#comfortfood#beansontoast#bacon
The luxury/headache of becoming adult means you start to make money but also have to pay bills
That’s why it’s important to create a budget so you don’t be broke in a week and living a poor mans life until you get paid again.
During my senior year of college I got a real taste of that poor mans life.. I moved off campus into a apartment with my best friend, bought a car, and decided not to have a meal plan 🏡🚗 Even though I worked two jobs I was still struggling. I mean Ramen noodles struggling. 🍜
I was beyond stressed trying to study for school, volunteer, keep up with being an officer for my pre-med club and work.
All I could think about was that I had bills to take care of and once the refund money was gone I truly felt it.
Thank you God for my mom and bff who helped me out during that time 🙌🏾 It was rough but I promised myself that once I graduated and started working full time I would really focus on creating a good financial lifestyle. Budgeting, saving and building my credit.
Creating a budget is extremely IMPORTANT!!! I cannot stress this enough. Knowing what you need to pay, save and use for leisure is a life saver. Having it written down is the best way to stay organized. Every time I get paid it’s different. Sometimes I put more money to the side for savings and more money towards my credit card debt.
I even put money down for food expenses, gas, and leisure spending. And now I’m starting my overall moving budget and savings.
Budgeting is key 🔑 and it will help you stay focused and on track with your spending! It’s never too early to learn about finances and work towards financial freedom 🤗
It’s time for all of us to pay attention to our coins we spend and save for the future 💰
My idea of heaven 🌟 | unfortunately my bath does not look quite as nice as this but I do have a glass of Pinot in my hand 😍 We are doing a sweep stake at work for the World Cup and I picked it Japan and Iceland - pretty sure I have just wasted £1 and won’t win but it’s the taking part that counts?! 😂⚽️ I’m now suddenly interested in football just because I want to win the money 😂🤞🏻💷
One year ago, I was exclusively breastfeeding a hungry little fella and was trying to get myself back to being a competitive athlete after having Briar. Let's say the two don't always go hand in hand as they both demand a lot from your body. I needed some energy and I needed to gain muscle... I was finally convinced to try AdvoCare. My main interest was it had list from doctors as to what was safe while nursing and pregnancy! I was hooked immediately on their products. I'm stronger than I've ever been, leaner, workout less and weigh less than pre baby. I thought I would put those pounds back on when I stopped nursing a month ago but my weights maintained and my strength continues to increase. If you're looking for something to supplement your life style, talk to me. I live on a tight budget staying home these days and I can help you out!!! @advocare #crossfitmom#athlete#fueledbyadvocare#spark#fuelthebody#supplement#recover#personaltrainer#strongmom#16monthspostpartum#betterthanever#talktome#budget#stayathomemom
Decorating on a budget... is it possible? ..... YES! 🏡
New blog post is up, 10 Tips for Decorating on a Budget. Link in bio 🌿
Being about a year out of college many of my friends have come to me saying they want style but don’t have the money. Which I can totally appreciate, however, it is possible ladies and gents. Click the link in my bio and check out my new post! Don’t hesitate to DM or email me if you have any questions, I’d love to help! What are your budget tips?? 😌✨
Actual June Paycheck 1 vs. Projected Budget⠀
Insurance - over by $95.79⠀
Our car insurance was raised almost $100 by our insurance provider. As soon as I noticed this, I made Mr. Smith call and figure out why. APPARENTLY they raised the rates because last year Montana payouts were high in comparison to the previous year. I think this is BS and I'd like to start looking for a new insurance provider to compare rates. Unfortunately our policy was just renewed a month or two ago.⠀
Walgreens - $85.22⠀
Two separate trips for personal care items.⠀
Amazon book - $13.48⠀
Uhhh so this was me wanting to listen to an audio book while I mow the lawn. I couldn't find it at the library, on my libby app, and I didn't already have it. It's a series I literally re-read every year or two, so worth it for me.⠀
Groceries - $56.96⠀
We had an impromptu trip to Costco for white vinegar (to clear out weeds organically) (14.52) and coffee (15.49) and ended up leaving with Cedar grilling planks (9.99), a case of refried beans (6.79) and two jars of jalapenos (I've been wanting jalapenos on everything!) (4.39).⠀
Eating Out - $175.19⠀
Sushi, milkshakes, a lunch for my husband while he was in town, sandwiches because we'd been cleaning up the garage and just wanted to stop for a quick bite. Sushi was because my husband wanted something cold (very hot that day) and didn't want to make food.⠀
Dog food - $60.99⠀
I was originally budgeting this in for Paycheck 2, but we ran out faster than I anticipated. (We just switched to a different/larger brand and bag so still trying to figure out timing.)⠀
As I mentioned in yesterday's post, I am discussing with Mr. Smith what we can do to stop these things from happening. I feel like our ship has a hole in it and instead of bailing out, we need to plug the hole!⠀
A bunch of spinach usually costs .99- $1.50 where I live. Yes, it’s so much easier to buy it in the bag- washed, stems off etc. BUT if you’re tryna save, you might wanna skip the $3 bag of spinach and find some time to clean yo greens. I like listening to podcasts while I’m cooking. Here’s a few of my faves:
What’s your fave podcast?
If You’re trying to take control over your financial situation, so that you can buy a car, a house or start a business. - CLICK THE LINK IN MY BIO TO GRAB YOUR 100% FREE CONSULTATION OR TEXT “FREE CONSULT” TO 703-298-3803 - Credit repair is not enough to get you the results you need. You need to work with a financial planner! - I provide one on one, specific financial advice for your unique situation.
This week marks two years since we paid off Rick’s Mazda 6 🎉🎉
We leased this car in 2009 with a monthly car payment of $295.00. Once the lease was up in 2013, we decided to finance the difference of $11,573.04. In 2014 when we learned of Dave Ramsey and our debt free journey started, we added it to our debt snowball. We Paid it off in June 2016. Paying off this car was a great accomplishment for us.🙌🏼
We haven’t had any issues with this car. We take care of it and have a sinking fund for car repairs just in case something needs to be fix. It feels great to have one less car payment. 🤗
"Wait, Boobala, let me get my readers Oh! Your memes are very nice. Very silly, just like you. Neat!!!" #budgetingmemes#verynice#verysilly#neat
(NOTE: Weirdly, my mom has called me "Boobala'" since I was a child, which is a Yiddish word for "granny". We are Catholic Italians and I have never been a grandmother.)
A few weeks ago I mentioned that we had to take our 3 year old to the ER because he was having difficulty breathing one night. I received the bill shortly after the ER visit and it was higher than we anticipated. Last week I called the billing dept. to ask if they could give me a discount if I paid the bill in full. They said no, at least not at this time. Surprisingly, they said to wait until I receive a second notice and to call AFTER the due date on the second notice and then they can offer me a discount for paying in full. I’m glad I was able to speak to this specific woman because not everyone likes to help others. Now I’m anxiously waiting to receive my second notice so that I can see when I need to call. Always ask for a discount! The worst thing they can do is say no. I learned this a few years ago. I read somewhere that when it comes to medical bills, they don’t mind giving discounts because they prefer to at least get something from you than selling it to collections. I’ve saved a lot throughout the years on medical bills by asking for a discount. It doesn’t always work, but when it does, it helps a lot. My son had surgery to get his tonsils removed last year and when I called to pay the bill, they gave me a 20% discount after I asked. That lowered our expense by almost $500. Don’t be shy to ask for a discount next time.
I realised that the last time I did one of these was just after I hit 700 followers, and now that I am about to hit 1400 there must be quite a lot of you who are long overdue a proper introduction! For those of you who have been around a while I’ll be sure to include some new information too! So here are some things to know about us:
1. I am Lisa (26) and my fiancée is Steph (24) and we currently live in Manchester, England.
2. We moved from the London/Surrey border to Manchester just so we would be able to buy our first house. We knew only two people in Manchester but believed it was worth the risk to achieve our dream of a house of our own. It was!
3. I’m a teaching assistant and Steph has just applied for a job at my school too!
4. We are getting married in one year (June 2019) and are having a wedding for 100 guests on a tiny budget of £2500!
5. I was born in Slough but grew up in Harrogate, North Yorkshire.
6. I lived in London for 7 years, 5 years in the heart of Westminster, 1 year in North London and 1 year on the London/Surrey border.
6. I am absolutely in love with Paris, I’ve been many times, I speak reasonable French (I also nannied for a French family in London for a few years which really built that skill), We have a lot of Paris and London iconography around our home.
7. We are buying a 2 bed eco house in Bury with 2.5 bathrooms, driveway and garden for £100,000.
8. We have downsized a lot of our possessions recently in preparation for our move and I am really enjoying a journey of downshifting and minimalism. 9. I grew up in poverty, on benefits with a side hustling single mother, so living thriftily is all I have ever known, it has been necessity not a trendy choice.
10. I am passionate about finding ways to live well for a low cost. I believe that by being savvy it’s possible to have a high quality life on a small budget!
I don't know if this can help anyone but I started making toned paper a while ago using water diluted acrylic paint and layering it on watercolor paper. It came out of me needing toned paper but I didn't have money to buy some colorful paper or fancy schmancy materials to make it. I got creative with materials I had lying around the house. So far It works nice as a multimedia surface for wet and dry media. You don't need expensive acrylic either, I buy the cheapo artist's loft stuff for toning cause the chalky texture once it's dry lends itself nicely to media application. I don't know about the longevity of this method so if you're concerned on archivalness then I can't help you, but it's not like it falls apart the very next day so...??¿ I don't have a specific recipe cause I mostly guess and eyeball, but you have the liberty of making your own adjustments, like if you want to put less layers and have a more opaque solid color then just add more acrylic to the paint slurry, etc. When I'm layering the paint juice I go in a different direction with the brush each time for the next layer. I keep telling myself it helps with warping, but I really don't know if my delusions are true. Save old food containers and get a cheap pack of brushes and some acrylic paint. Remember painters tape and an old paper pad or board you don't mind getting paint on. Go ham, but I'm not responsible for any art related casualties.
WINNERS take ACTION when losers wait. It doesn't have to be PERFECT action, but you have to get started if you want to WIN!
Did you hear about our 5-Weeks “Sexy Beginners Real Estate Investor BootCamp” 💫Starts JUNE 28th 2018💫
Are You Interested in Joining the BootCamp or Know Someone Who Could Love To Change Their Financial Status? Please Share With Someone ❤️ 🏡Click The Link Below To Join NOW🏡
I completed Baby Step 1 back in March with our tax refund. I put $1,000 straight into a savings account, I was so proud of myself. I told my Husband about it but he didn't have access to it. Why? Well he is the spender in our relationship. He sees something he wants and instead of patiently budgeting and waiting for it, he gets impatient and has to buy it right then and there.
When he listened to the Total Money Makeover and heard the part about the needy toddler screaming "I want it NOW!", he owned up to it and said "That's me". He comes from a long line of impulsive spenders that have had cars repossessed, houses foreclosed on, utilities shut off and eviction notices because they didn't budget and wait patiently so that's all he knew.
So what happened to our first starter fund? Well, my part in our relationship used to be that of the pushover. My husband works so hard for us and it allows me to stay at home with our kids so it's really hard for me to say no. I let him buy a few things with the money but we still had $600 left.
Then Murphy hit. Our trusty 17 year old car blew a head gasket with no warning. Four months prior, I had a tune up and diagnostic done and it was in "perfect condition". I was scared. The mechanic said it would cost way more money to fix than what the car was worth and he advised not wasting the money. What happened next?
We had to buy another car. A financed one 😱 We used every dollar we had to put toward the down payment so now we are starting fresh. But this time, my dear Hubby is on board and ready to make some sacrifices now so we don't grow up to be like our parents still living paycheck to paycheck with retirement no where in sight.
Amazing podcast episode by @fbarrows and @caitflanders on mindful consumption and living with less.
I used to collect these mugs from Starbucks. Even friends started bringing them back for me when they traveled. But when we went to Bali last month I couldn’t bring myself to get them. I don’t want the clutter or he expense anymore. I have 15 that I never use and while some people call that a “collection” I just see it as a waste of money and space. Anyone else have a collection like that?
Launching a new #startup can be daunting but if you follow the right path, #success awaits.
Here's a breakdown of what you need to make sure to do in order to be heading uphill.
Start on the right foot: Be #passionate about what you do. This is going to keep you pushing forward during any rough patches.
2. Learn from and #connect with other businesses.
Visit your #competition , introduce yourself and develop a #good#relationship with them.
Starting a #business is #scary as #hell , just go head on and follow your dreams. Don't discourage yourself at the slightest #issue with excuses like (this guy and this guy tried and failed)
4. Become a leading #authority figure in your #industry .
Thanks to content marketing, it has never been easier to establish yourself as an authority figure and build trust among your potential customers.
5. Focus on your #niche and delegate what you can.
As small-business owner, you’re already devoting a majority of your #time and #energy to starting and maintaining your business. Why would you make life even more hectic by spreading yourself too thin?
6. Reduce overhead.
Sit down and create a #budget so you can spot unnecessary expenses. If you're spending thousands of dollars each month on an empty office, consider a co-working space or going completely #virtual .
8. Be an #information sponge.
Regardless if it’s your spouse, parents, friends or mentor, listen to what others have to say about your business.
9. Follow your #intuition .
At the same time, #trust your gut. There will be people who think you’re insane for leaving a decent gig to risk it all but, if this is the path that you choose, then stop hanging out with the negative nancys.
10. Wow your customers.
Of course, you wouldn’t be in business if it wasn’t for your customers. Thank them for their #support by wowing them.
All and all its about #timing and #dedication , do it and do it good. Good luck to all of you starter uppers out there ;)
We want to help inspire people to travel the world. Part of that is to present you with the cost of things.
Many of the questions we receive include: How much does it cost? Where did you stay? How did you get around?
Basically, how does TTB afford to travel?
That is why we included a "How We Did It Section" on our new site. This page answers the questions that come up the most when talking to people.
What can you expect from these pages?
For each country that we travel to, we will present you with the cost of: air travel, acommodations, attractions and ground transportation. Exactly, you guessed it, how we traveled that country.
Included in each country will be 3 price options: Budget, Glamorous Backpacking (what TTB chooses), or luxurious. We will even provide you with the prices for each option and links to purchase.
All Glamorous Backpacking options are exactly what we paid for.
Twice The Baggage is wanting to help people travel the world, and understanding it is financially possible, is the first step in doing so. #TTB#twicethebaggage