Hey girl, hey!
As we grow older, we sometimes learn the hard way that life doesn't always run so smoothly. It has peaks and valley's, and it doesn’t always move forward in the way that we hope. But the crazy thing is, most of us don’t even think about the financial curve balls life can throw our way. And it’s also why most of us don’t think about opening and maintaining an emergency savings account.
If you’re a regular reader of Girlfriend’s, Budget… you’ll know it’s no secret that saving is my very favorite part of this whole budgeting thing! While I do love that accomplished feeling of knowing all my bills are paid on time, my debt is minimal or non-existent, and I have some extra money to blow (because I’m living below my means), it’s just something about saving that makes me feel so bo$$ every time I hit that transfer button and see those digits in my account increase!
It’s like my little pot of gold that I know is tucked away at the end of the rainbow, ready and waiting for me in the event life throws me any major financial curve ball.
As a Financial Coach, I teach all my clients how to get on the path to financial freedom by using a very simple budget pyramid. The lessons of one step leads up to the next... until this budgeting thing becomes your normal way of life. Saving is like the 3rd step in the budgeting pyramid, but talk more about steps one and two below...
It’s Friday and for many… it’s also payday (Wooo-hooo)! And in most of our minds, that’s definitely something to celebrate.
So you convince yourself that it’s okay to “treat yo’self” because after all… you did just go through two weeks (a month for some) of pure workweek stress (sometimes the only thing I really wanna to make hangout plans with is...my bed).
But your friends and co-workers are all ready to hit the happy hour scene annnnd… why not?!
Hey girl, hey!
Guess what time it is? Yep, that’s right… TAX TIME! It’s that time of the year many people look forward to because there’s a chance you could get back a nice chunk of change from the hard work you put in all year long. In fact, about 8 out of 10 people get back a tax refund every year averaging about $2,800. It’s almost like Christmas all over again! But before you get too excited and psychologically spend your tax return money before it even hits your account, let’s discuss some smart ways you can utilize this money to help propel you towards your goal of financial freedom.
Hey Girl, Hey!
The end of the year is quickly approaching and many already have their New Years Resolutions locked, loaded and ready for January, while others may still pondering on how this "New Year, New Me" thing is going to actually play out for them. Either way.... let's not forget some key financial resolutions we should all be making and keeping for the upcoming year.
Let's chat, girlfriend!
Hey girl, hey!
So if you follow Girlfriend’s, Budget posts regularly… you may notice that the chart below looks a little familiar. If so, that’s because I mentioned it briefly in my “4 Reasons Why Keeping Up with the Joneses is for the Birds” post as a tool that my readers could use to determine if they are overspending in certain areas. In today’s post, I would like to go a little more in depth about this chart and discuss what each category actually entails. So… Let’s chat!
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