Build Your Own Fence

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BUILD YOUR OWN FENCE  Boundaries allow us room for freedom. I know it sounds contradicting, but first hear me out. When you put up a fence around your yard, it gives your dog the freedom to play and run around wherever they want without the worry of them going too far, getting lost or running away. If you didn’t have a fence you would worry constantly about your dog. We have to put up a fence in a lot of areas of our lives; in our relationships, in our time management, and in our finances. I’m a firm believer that by putting these boundaries in place you’re giving yourself freedom from a few of life’s stresses and worries. I’ll explain… Budget. How can you budget when you have nothing to budget? For some of us this might be true, but chances are you have some kind of income. It is important to know where your money is going, even if it is very little. Unfortunately, many of us are not taught this important lesson early on.  It is time for us to develop habits we can incorporate into our life responsibilities. So, whether you have $5.50 or $550 in your bank…

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Stop Wishing & Start Doing

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“The habit of wishing is only for those who aren’t hungry enough for success.” ― Edmond Mbiaka We all have wishes and dreams. There is always that one thing that we want to accomplish within a certain time frame. Dreams are great, but many of us don’t understand how to get to the part they call success. Wishing will only allow you the desire of achieving your goal. You must take action. This is why you have to stop wishing and start doing. Get your head out of the clouds. I wish I saved. No matter what your situation is, saving is possible. Stop talking about it and just do it. Even if it is only a dollar a day. That dollar might be the dollar that saves you when times gets tough. Don’t give into peer pressure. You know where your money needs to go. Making excuses and ignoring the problem is just going to dig a deeper hole and set you back. I wish I kept track of my finances and where my money goes. Of course we know where we spend our money, but if you keep track it will really help you in the future. It…

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Safe Saving

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SAFE SAVING “Don’t smile now, save it for later!” Are ready for that unexpected, but inevitable crappy day? I wasn’t and it sucked. Here are some tips that will help you be ready for that shittay day, if you will. Add your savings to your monthly budget. Don’t wait to put money aside or you’ll never put money aside. C’mon we all know that. Keep your savings account separate from your checking account! Spend your checking, not your savings. Open your savings account at a separate bank! So helpful! Keeps you from easily transferring money from your savings to your checking. That used to be my favorite thing to do…awful! Direct deposit is your friend! You don’t even need to think about putting it in your savings instead of your checking or just ya know spending it. Credit unions are an option, not for everyone, but an option. Remember to research, it is important and it can save you. Wink wink…you see what I did there. Financial emergencies are emergencies not things you really want! If you can’t afford it say no, don’t make it an “emergency fund” a.k.a don’t use the term loosely. If you’re lucky and your savings is…

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Money is the Motive

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HOW TO…get motivated We’re really good at setting goals. We’ll make a list of all the different things we need to do. By the end of the month, we’ll have the list completed, plus some. Sounds like a an awesome plan, right? Truth is, it’s much easier to set goals than to actually get them done. There is one factor that it all comes down to and that factor is motivation. Lets be honest, many of us have trouble keeping the fire burning. It’s easier for us to think about what we’re going to do “eventually” rather than holding ourselves accountable and doing it. We all fall guilty of this problem. Lets try and change this. Get motivated and stay motivated. Baby steps… Financial Vision Board -serves as a reminder Financial goals -get specific and hold yourself accountable with numbers and dates not just influential and inspiring words, although those are nice too. How much you need to pay off and by when as well as how much you want to save and by when. Create a spending mantra -think up a positive phrase and follow it Remember #1 -love and value yourself ALWAYS…it helps Make mini goals -set smaller…

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Learn by Doing

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For those of us like myself who might be afraid of financial institutions or just the thought of getting your finances together, it is time to break the ice and dive in. Everyone has fears or something that makes them nervous…that’s life, but you can’t let these things hold you back. Bank accounts and credit cards can be intimidating and overwhelming especially for people who are not used to financial institutions. They can be big and complicated. We are pretty much trusting our livelihood in this big building who just takes our money, meanwhile I’m here thinking hey, I don’t know you…well at least that’s how I feel. It feels unfamiliar and scary. In order to feel secure and become aware of what to do with our money we must learn by doing. It is just like any other process of learning, with practice you get better. We are offered so many different ways to become knowledgeable and educate ourselves about the financial process. We can learn through technology, financial advisors, peers, financial products, webinars, blogs, research etc. Instead of sitting back and watching the world pass you by, get up and teach yourself! Don’t be afraid to mess up….

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Money Mistakes

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MONEY MISTAKES  “Don’t waste a good mistake, learn from it.” -Robert Kiyosaki Most of our mistakes in life become life lessons. Being in my 20’s I feel like mistakes and life lessons are the story of my life. Im at the point in my life of adventure, discovery and exploring. I have the ability to be a financial ticking time bomb or I could set myself up to succeed financially. Do you ever wonder where all your money? Spending money is way too easy for many of us. I admit it, I love to spend! It is so easy that it can make saving seem super hard! It is actually easy to save money, but it is not something that will just happen over night. You need to work at it and change some things. Many of us don’t have or recognize the essentials. No game plan for your debt No budget  Not saving for retirement Living paycheck to paycheck No savings or emergency fund Not negotiating your salary Not knowing your credit score No plan for your money  Saying no to mixing money and relationships – loaning money to family and friends Keep putting off your credit debt Not…

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Financial Anxiety

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Do you ever think about what lies ahead? I’ll be honest, the future has been on my mind a lot lately. Being the anxious person that I am, I probably already overthink too much, but between school, juggling two jobs and just trying to figure out who I am in this big world, my future has begun to feel like a giant question that I can’t answer. I’ve been battling this question and it always feels like I’m not where I should be, but when I really contemplate, I realize I have made a few solid financial moves and life changes in the past year. After this past year, I really have made strides and come a long way all things considered. I need to remind myself as should you, that your speed doesn’t matter, forward is forward and progress is progress. Don’t sell yourself short. I am approaching the “next phase” of my life and I want to be smart about my money and make good choices for myself. I want to be prepared for the unexpected and exciting times as well as the inevitable with a clear mindset. I am learning that being preventative is a very important…

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Financial Tools

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FINANCIAL TOOLS Some of us need a little help with understanding the financial world and keeping our finances in order…I know I sure do! Do you have a bad credit score?  Do you keep track of your bank accounts and credit cards? Do you have a debt plan? Are you building your savings? Do you track your expenses? Do you even think about any of these things in an organized way? I never did, but they are important questions to ask yourself and consider. Keeping track and staying on top of your financial situation, whatever it might be is important. I will share with you some of the tools that have recently helped me to stay on top of my money and keep everything organized, while reminding me of my end goal to be financially sound and comfortable. Sometimes too many options can be overwhelming, so I’ve broken the list down to just 5 that I consider to be user friendly and superior to their competitors. These are some tools that have helped me to get a clear view of my total financial life. I refer to them as my financial hack apps.   Mint is a personal financial management…

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Got Debt?

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GOT DEBT?  Do you have loans? Do you need to pay off debt? I know I do, along with many of my peers I have student loans and debt that I am reminded of every day. College is an incredible opportunity that not everyone gets to experience. A college degree is a great way to get your adult life started. Some of us make it through all 4 years, some of us do 4 plus years, some of us drop out and then theres me, on the 5-10 year plan just trying to knock out one bill at a time and cross off one class and 4 credits every semester. Paying off debt is hard, but staying motivated to pay off the debt is even harder. You have to create a habit and incorporate self discipline in your repayment process. Is it hard for you to give up and sacrifice the things you love? Ya I know me too. I try to give myself a small allowance or put money towards what I call my “fun fund,” c’mon it is summer, lets be realistic here. There is no way I am going to just not spend any money on things I…

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Blonde on a Budget

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BLONDE ON A BUDGET “My goal in life is to be filthy rich. Rich in adventure, in health, in knowledge, in laughter, in family and in love.” -Unknown It is that time of year again, we get to be adventurous and enjoy the summer. People are outside soaking up the sun and enjoying the beautiful weather. Families and friends gather for barbecues, vacations to the beach, hiking, pool parties, trips to the lake and camping. Our calendars and schedules are filled with weddings, birthdays, baby showers, festivals and concerts. We have learned to plan our lives around these couple months of freedom and bright sunshine. Summer is relaxing, but it can get busy and expensive when you don’t take a minute to breathe and stop for a second. If your calendar looks like mine then you might feel a little overwhelmed and double booked. You don’t want to miss out right? Trust me, I know the feeling. I am trying to make a conscious effort and slow down while I enjoy one of my favorite seasons of the year. Budgeting isn’t always about a financial plan and numbers. You can help yourself financially by slowing down and working on you. Say NO…

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