There are different ways to increase your credit your score fast. Tradelines increase your credit score fast and also gives you additional credit history. This is helpful when wanting to make a large purchase such as a house or car. Contact me today to get your Tradelines.
As tax returns and Centrelink balancing start coming in, it's a good idea to sit down and look at how to use the money to your best advantage.
The feeling of buying new, nice things is great, but the feeling of setting yourself up for future success is even better.
Paying down debt and saving interest would be first on the agenda. Credit cards, loans and bills are stress inducing, costly and make it that much harder to keep on top of the budget.
If you don't have any debt, pay extra on regular expenses like the electricity account or rent. This way, you have a bit of breathing room and future you can save more and have less stress because you are ahead in your bills.
Sure, there are some things you might have to buy, or want to buy (like my handbags 😉) but mindfulness and using opportunities to becoming debt free is a great way to make life so much easier for yourself and your family. By being disciplined now, and not being blinded by new, shiny "stuff" you are setting the scene for a great future. Your future self will thank you x
Hello 🙋🏼♀️ I just realized I have no introductory post for a lot of my new #debtfreejourney friends •
My name is Kelly and that’s my boyfriend Josh pictured with me. We are both on our debt free journey as of January 2018. Honestly though, I just got extra serious about it in June •
We live in San Diego, California and love it. Although pricey, Josh is lucky to have his home under his belt. We are currently tackling Dave Ramsey’s baby step #2 •
I’m a Registered Nurse and Josh works in the oil industry as a field supervisor. We both have very stable careers and have been at it for 6-7 years. No kids, just a fur babe 🐕 •
I recently opened up about this journey because I am learning SO much from all of you & that’s my inspiration. Hoping I can inspire even one person to take their finances seriously and join us in this #debtfreecommunity . Y’all are truly the best •
Rain or shine, Miami is always beautiful. No need to be stressed when living in such a beautiful city. Contact us today! Text me directly at 786-925-3434 it’s above on the profile, and I will set up an appointment for the CEO to contact you at the best time available for you.
Business loans can be one of the most useful resources in not only increasing your credit score, but giving you the capital you need to start your dream business. 👀
EVEN IF YOU HAVE BAD CREDIT, we can still get you approved for a business loan. Don’t disqualify yourself because you don’t have high credit scores. We are here to assist you in accomplishing that. ⬆️
Don’t allow your dream idea or business to be put on the back burner when you have plenty of options to make it become a reality. 🆗
For someone who a) has the travel bug super hard, b) has MANY plans for adventures, and c) does not like to wait for things that I want NOW.... #TheStruggleisReal . We have a plan that will set us up quite nicely for the very near future but having to buckle down for a bit is killing me!! #WorthIt#Travel#DebtFree#Goals#Focus
#Repost @completefinancialsolutions with @get_repost
Credit Utilization is one of the main parts of how your credit score is calculated. Credit utilization has six subcomponents:⠀⠀⠀⠀⠀⠀⠀⠀⠀
☑️The amount of debt still owed to lenders.⠀⠀⠀⠀⠀⠀⠀⠀⠀
☑️The number of accounts with debt outstanding.⠀⠀⠀⠀⠀⠀⠀⠀⠀
☑️The amount of debt owed on individual accounts.⠀⠀⠀⠀⠀⠀⠀⠀⠀
☑️The lack of a certain type of loan, in some cases.⠀⠀⠀⠀⠀⠀⠀⠀⠀
☑️The percentage of credit lines in use on revolving accounts, like credit cards.⠀⠀⠀⠀⠀⠀⠀⠀⠀
☑️The percentage of debt still owed on installment loans, like mortgages..⠀⠀⠀⠀⠀⠀⠀⠀⠀
Huge congratulations to my hardworking, oddball parents. As of 3:15 today they are DEBT FREE! I can’t imagine how good that feels. I would say it would help them retire, but they refuse to quit working. Oh well! Love em anyway. #debtfree#parents
I had every reason in the book to say NO to this business....
I have a great career🦄
I have a college degree 👩🏻🎓
I have an incredible retirement plan🔒
I get to travel with my job 🌎
I get to be a big kid and play with toys 🙋🏻♀️
But for some reason I felt in my heart that now, at this point in my life, I should be taking steps toward the next stage. I’ve always been one to consider... what’s next for me? I didn’t go looking for this business but it found me at the right time.
At first I felt guilty for wanting more. I felt guilty that I was being lead to do something new and different (LONG before I found this company). After many changes/trials and ultimately realizing the direction that I am being called to, I knew this was the right next step for me. I would never have thought that I would be doing something like this!! Not in a million years😱😵!!!
Because of the reasons I stated above, I felt that this type of business is for people who don’t have a college degree. I felt that I would be frowned upon. But now I realize they have something I don’t. They have freedom of time. And for that reason alone, I am willing to put my pride aside and work really hard using all of my skill sets, to become good at this 💕.
I am willing to take the risk to reap the reward.🙌🏼
I am willing to do what it takes to serve people in a new way.🙋🏻♀️
I am committed to both my career and my itworks business.🤩
I am excited to use this business as a platform to grow my network, to help people with their health & wellness goals, and ultimately help people become debt-free! (This is my favorite part! 😉)
If you have read this far thank you 😍
And thank you to all of you who have trusted in me to help you!l!
We don’t need to know the how, but we need to have a strong why to be able to do what we need to do to achieve our dreams. The how will not matter as much as YOUR WHY. If you don’t have a strong enough WHY, you are going to quit of give up on your goals. What do you 🤔 think?
What if we redefined success as being in joy for extended periods of time. I have noticed a trend that people feel they need to follow to be successful which if you break it down even further is what people feel they need to do to be worthy.
It's seems busyness means you are successful crammed calenders, hours on social media, task after task after task. I'm exhausted even thinking about it.
However there is a better way. I have cracked the code so have ample time to be.
Ample time for my personal life, ample time for my spiritual life and ample time for my professional life.
So for those that are exhausted and are ready to become a human BEING again the time is now!
Reach out what have you got to lose?
I rarely have cash on me. If I do, it's a very small amount for a specific purpose. I use to be all over the cash envelopes, but I'm doing quite well with my debit card ( for now). I do however, keep a very small amount of cash on hand in my home in the event of an emergency. What if a disaster strikes and banks close or I can't get to an atm right away? I just feel a little bit at peace knowing I have a little something in liquid available to me.
Am I being extra? Do you keep cash on hand?
This represents some of the overwhelming amount of debt we once had. We found all of our old credit card folders and statements in the filing cabinet this weekend. It’s been almost 2 years since we finished our debt free journey and I forgot about these old folders. Today @caseyef14 cleaned them out and I’ll never see them again. •
I believe everything happens for a reason and I wouldn’t change our journey at all. Sometimes I think it would have been nice to never have had debt, or had to go through the journey, but the truth is those moments make us stronger. The challenges we face make us stronger and ultimately we become the people we are today because of the mistakes we’ve made and the lessons we’ve learned. It’s never too late to make changes in your life.
This morning before I head off to work I checked our meal plan for tonight ....casserole! It was still in the freezer! 15 mins later it was ready to go in the slow cooker! Takeaway is not on our budget and this is how we stay on track! #whatsfordinner
I just love him! Not going to lye I’ve hit a rough time so I’ve been slacking on getting my finances on track. But something happened today and I’m all fueled up again.
We all hit rough patches but that doesn’t define us!
In gaining knowledge, also be sure who you're learning FROM. If they're not "practicing what they preach" or haven't "been there, done that", move on, in my opinion, because they'll never be able to see things from your perspective or truly give you the best advice that's in YOUR best interest. Few things are cookie-cutter, one-size-fits-all - including money, investments, parenting, relationships, etc
I'm not here to "give you a fish" but rather "teach you to fish", so you can "eat" for a lifetime, not just a day.
Let's start with the foundation. What are your budgeting issues/challenges?
A favorite fast/delicious/inexpensive meal. And it's healthy! Black bean and corn quesadillas :) vegetarian, but not vegan bc we love cheese!! What's your favorite low budget, healthy meal?
Also, anyone else find it crazy that your toddler will eat anything you cook as long as it is on your plate, but it will not touch it is it is on their plates?
I finally did it. We’ve been on this journey for 6ish months and I’ve never really tallied up ALL of our debt. I’ve always kept our taxes, medical bills and student loans separate. It wasn’t overwhelming when I didn’t factor everything all together. Our credit card debt wasn’t too bad, so it felt easier and truthfully, I felt better about our situation when compartmentalizing all of our debt. For the first time last night, I counted everything up. Every single medical bill, ALL of our taxes for 2017. And our student loans… that are growing daily. Ugghhhh. And wow. $159,693. I felt such a heaviness last night. How did we avoid this all these years? I felt ashamed and embarrassed that we dug ourselves in this ginormous hole. It doesn’t matter that the debt is mainly student loans and taxes, it doesn’t matter that we didn’t rack up $50K of credit card debt or have any fancy cars. Debt is debt. The way I got in this mess doesn’t make me smarter or better than the person that has $80K of car notes. $159,693. It still makes me feel uneasy to think that’s the amount we were sitting on not too long ago. But it does make me proud that we’ve paid off over $67K already this year – mainly paying off the majority of our taxes. Today, we are at $92596.38. And that number does give me hope. It gives me peace knowing that number will only go down from this point on. If you’ve just been creeping on the #debtfreecommunity and haven’t fully committed yet, that’s okay, cause I was there too last year. But I encourage you to start. Add up those numbers. Whether it’s $10,000 or $200,000, you will get through it and it will be okay. But you have to start. And walk in your truth. I’m not hiding anymore, and I invite you to come out of the shadows too.
Yesterday I turned 26 years old👏🏻—thank you all for the Birthday🎈wishes😘!
This past year was probably the hardest one ever but most rewarding at the same time. I learned a lot about myself, had my quarter life crisis😂 Battled through some serious new health issues and anxiety. Traveled to new places by myself🗺 and with babe✈️ New tattoos & piercings💉 Achieved some major things in my business💎 Worked my first full year as an entrepreneur from home👩🏼💻 and got in the best shape of my life mentally and physically🧠.. thanks to #thecoachlife 😉
Although some things were extremely hard it made the good days that much better✌🏻.. I’m grateful for it and the knowledge and wisdom I’ve gained from it all. Life is too short. Even last night a moose ran out at James’ car and messed the passenger side up pretty good. He’s fine and everything will get fixed but you can’t take even one SECOND for granted in this crazy world🙏🏻✨ hug your loved ones and appreciate every moment💓
I’m so pumped for year #26 🤸🏼♀️🎉 I think this is going to be mah best year yet🤓😉 #bringiton
Thank you @masteringfrugality for the tag 🤙🏻 Gosh it’s so interesting reading the different things everyone chooses to compromise on.
Below are the things I’ve tuned down for debt freedom / investing 👇🏻 1. Travel - This would have to be the biggest thing we’ve turned down. Don’t get me wrong, we did have a vacation in Thailand together and a trip to Bali but thats 10 years we’ve been together. We had to watch all our friends travel around Europe (multiple times) and sit on the sidelines. The payoff - were 27 and own 2 houses is Melbourne (not an easy feat) now that those purchases are done, we can reward ourselves so we’re going to Italy in Sept 🇮🇹 2. Fancy Cars - I still drive the car I bought with cash when I was 18. It’s a reliable, cost effective car and I love it! I must admit, I do get a little jealous when I see girls my age driving around in BMW’s and Mercedes but then I think about the huge amount of debt that comes with that car and I feel better - jealousy gone.
3. Buying a home - Come to think of it, this is probably our biggest sacrifice. We chose the path of ‘rentvestors’ which means we have chosen to rent indefinately and invest the surplus income in investment properties. Yes the walls won’t be mine, but I will be able to live in a suburb close to friends and family.
4. Moving out of home - I can feel you shudder. We still live at home and we’re 27. We live in a large house with Mr MM’s father. Sometimes it can be challenging but for the most part we’re just an odd little family and it works. 🐶 We will be moving out within the year, but this has been a tremendous help when it comes to saving.
There you go! I tag @treadingfire 🔥🔥
Buying a Home in Your 20s Tip #3 : Plan and save for additional costs associated with purchasing and owning a home. Most lenders require you to have at least a couple months’ worth of reserves or mortgage payments in the bank.
When I started this journey, I was making less than 25k and struggling to make the minimum payments. Almost 5 years later, 4 promotions and 4 moves, I couldn’t be more excited to say that I will be debt free in 22 DAYS!