Liste des hashtags les plus populaires par sujet #MONEYGOALS

Very true! I used to buy my lunch a couple of times a week. Now it’s once every 1-2 months! I usually have left overs or I meal prep and make some to put in the freezer. If I forget to grab it out I have cheese rolls in the work freezer and a can of soup at my desk #moneygoals #savingmoney #debtisdumb #debtfreegoals #debtfreecommunity #debtfreejourney #moneygoals #moneysavingtips #money #frugal #frugalnz #frugalliving #travel #budgettravel #budgeting #budgetmeals #daveramsey #daveramseyplan #barefootinvestor

Are you wondering how to track your sinking funds savings, especially after your're done using it? Today on my stories I did a quick video to show you what this looks like on my cash expense tracker. I saved $119 for 4th of July. I only ended up spending $75 of that, and I decided to save the rest of it ($44) towards my house savings. I'm getting the question, "why don't you just put the $44 towards saving for next year 4th of July and reach your sinking funds savings goal faster for next year?" I definitely could. What you choose to do with the cash you did not end up spending from your sinking fund is completely up to you. For some, they use it to pay off debt to decrease the amount of interest they are paying. Some use it to fund a vacation that is happening very soon. Some decide to use it for the following year. It's all dependent on what your priorities are and what would make you feel the most successful with your money. First, you track the savings as income for the month you spend it. Second, you track the spending that you did do. For me. I have a holiday category in my budget. So, for the $75 that I ended up using, it went under the category holiday spending. Third, if you didn't use all of your savings, you would need to write down what you decided to spend it on. For me, it was house savings. The income written down and the spending should cancel each other out. My $119 savings minus the $75 that I did spend plus the $44 that I ended up saving equals zero. If you had a sinking fund for July 4th, did you spend it all? #sinkingfunds

Beware this weekend as our feeds blow up with pics of our friends at the beach, on a yacht, eating 25 hamburgers and still skinny AF I have to remind myself of this more than anyone else and to look at my real life with gratitude Happy holiday weekend y'all! Stay cool #CrushThisDebt #millionairemindset #debtfreecommunity #Repost @fernandez_debt.free.journey

⚠️ Don’t be paying for Christmas 2019 in August 2020. . How much do y’all plan to spend? I stopped buying gifts out of a sense of obligation 5 or 6 years ago. My presence is my present. #MyLoveLanguageIsQualityTime . P.S. The method in Slide 2️⃣ applies to all savings goals or sinking funds. Reverse engineering does wonders! . . #Christmas #BlackFriday #November29 #savings #savingsgoals #moneygoals #sinkingfunds #personalfinance #debtfreejourney #debtfreecommunity #lovelanguages #5lovelanguages

You are here to win, not get by! || Stop by the clevergirlfinance.com, take a course & join the tribe || Link in bio.⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ #financialfreedom #financialplanning #moneygoals #financeexpert #financialsuccess #debtfreejourney #howtobudget #womenintech #womenwithmoney #moneytips #financialexpert #personalfinanceforwomen #budgetingtips #clevergirlfinance #clevergirlsknow #mindset #buildwealth #financialliteracy #savemoney #dobetter #changeyourmindset

HAPPY 4TH OF JULY Today I'm prepared with my sinking funds cash. Since January, I managed to save $119 by saving a very small amount every single month. When I say small amount, I mean pennies every day. I saved around $20 for the last 6 months, which equals about 66 cents per day. That's all it took to be fully prepared financially with cash. I get to make memories with my son and family, buy what I want, and not worry about relying on debt to do it. Not only that, saving that small of an amount every month wasn't a huge hit to my budget. I didn't have to sacrifice or give up a lot to achieve it. Small efforts pay off in huge ways. Sinking funds was a game changer for me. We decided to watch the fireworks downtown tonight, get some dinner and ice cream, and experience all of the wonderful activities happening down at the park. I hope you have a fantastic & safe 4th of July with loved ones. If you get a chance, share your firework pictures with me❤ If you are wondering about paying off debt and saving for sinking funds at the same time, make sure you check out tomorrow's newsletter. Link in my bio to subscribe. Do you have a sinking fund for 4th of July? #savingsgoals

Today, I wrote a $1,800 check for my house investment account. As most of you have noticed, Instagram is being a butthead and won't let me post any video stories. I plan on showing you more about my house savings goal as well as changing the savings balance on my bio once everything is back up and running. I saved a total of $2,243 for my house savings goal in June, but wrote another check to my investment account in the beginning of the month. I keep a separate savings account at my credit union for my house savings goal. That's where I throw money during the month. Around the beginning and end of month, I write a check to my investment account using the money I saved and set aside in that separate savings account. I do this so I'm not wasting a bunch of checks during the month for small amounts into my investment account. I currently have my money invested in an individual investment account that is invested in mutual funds. I'm very lucky that I'm exempt from all sales charges due to me working in the financial industry and the accounts being opened when I was still employed with them. I took the chance of investing my money hoping that it would grow more than just sitting in a traditional savings account or even a high-yield online savings account. So far, it has. My next huge savings milestone is reaching that 100k mark. That would mean I'm a quarter of the way there. Tomorrow, I plan to post about how I'm able to stay dedicated with such a huge savings goal. Hint, it has to do with visual thinking and imagination. Saving to buy my first house with cash was a big decision, but it was the best decision to make. Is it weird that I'm more excited about the land then I am about the house? I plan on getting about 20 acres. #followingmydreams

(I first posted this 6 months ago. Have you taken action since then? ) . This is a story of 2 people both living paycheck-to-paycheck and how their decisions, or lack thereof, affected their lives. If you’ve joined me on this journey, then you’re probably more like Samira than James. If not, then I hope this post shows you that: . 1️⃣ Income does NOT equal wealth. James makes much more money than Samira, but spends it recklessly. Unless James switches gears, Samira’s gonna be in a better position in the long term because of her mindset and habits. I used to be like James. Thank goodness for growth! . 2️⃣ Small actions repeated habitually make a huge difference. If you can’t save $150 a month, then do what you can. The point is to DO SOMETHING. . 3️⃣ Building wealth, saving and crushing debt come from simple activities, although they might be easier said than done: ⬆️Increase your income, keep spending the same and use the difference for your goal OR ⬇️Reduce your spending, keep your income the same and use the difference for your goal OR ↕️ Increase your income AND reduce your spending to have a bigger difference with which to achieve your goals . 4️⃣ Money’s not just about numbers. You’ve got to improve your mindset, whether that’s through affirmations, listening to #debtfreestories on podcasts to increase your faith and get tips, or reviewing money scripts you were taught as a kid (“You’ll die with debt.” or “Investing is only for rich people.”) . 5️⃣ Action is the difference between NOWHERE and NOW HERE. . I hope this helps you get there. . If you don’t know where to start, drop a line in the comments, in my DMs or check out “How to Organize Finances When You’re a Newbie” through the link in my bio.☝@wisewomanwallet☝ . Everyone, feel free to drop tips in the comments if you can answer a question. Let’s help each other out. . . #financialfreedom #personalfinance #debtfreejourney #debtfreecommunity #moneygoals #2019goals

Increasing our income and decreasing our expenses are two of the things we’ve done to help pay off debt as fast as we can. ⁣ ⁣ What ways have you cut expenses or increased your income on your debt free journey? ⁣ ⁣ #debtfreedom #financialfreedom #financialindependence #financialpeace #babystep2 #daveramseyplan #debtfreejourney #debtfreecommunity #debtisdumb #personalfinance #payingoffdebt #gettingoutofdebt #gazelleintense #livelikenoonelse #crushingdebt #frugalliving #totalmoneymakeover #debtfreeliving #moneygoals #moneymatters