Finally starting my #savingschallenges for the year! This is money I had set aside but never allocated. See you next cash stuffing! #FinancialReset #SavingsGoals #Budgeting #MoneyMindset #FinancialFreedom #StackYourCash #LifeChallenges #StayDetermined #BudgetEveryDollar #SavingsChallenge2024

Through the ups and downs, I'm resetting financially 💪🏾 Facing taxes, car troubles, and all the unexpected—still, we push forward. No more impromptu budgets. Let’s budget every dollar and save $3,000 together! 💰 Who else is getting back on track this year? #FinancialReset #SavingsChallenge #MoneyMoves #BudgetingBasics #FinancialFreedom #LifeHappens #MoneyMindset #Budget2024 #SaveWithMe #OvercomingObstacles

Wasn’t really too proud of our 2023 until I ran these numbers. We really paid off more debt than I realized while also cashflowing medical expenses and travel. Interest ate us up but using the HELOC to pay down debt more quickly definitely works for us! We will be focused on knocking out Discover, Amazon & AMEX (all balance transfers) by sending them to the HELOC. If we get this credit card debt gone, we will only have our car & HELOC left to pay off 🥳 Can’t wait to see what we get done to knock out this consumer debt in 2024! #debtupdate #debtpayoff #cashenvelopes #debtjourney #personalfinancetips #budgetingtips #budgetingforwomen #budgeting #budget #budgetlife #budgettips #budgetingtipsandtricks #howtobudget #budget101 #howtobudgetmoney #cashbudget

Here’s my travel wallet setup: - a few easy cash envelope categories like tips & eating out - ID (keep that passport in the safe) - travel credit card(s) This is my everyday carry wallet. I carry the least on me bc I need my purse light. I hate feeling weighted down on vacay. Per usual, I use cash for planned expenses like: - food - shopping I use my credit card for larger expenses like: - flights - hotel - Uber But I expense track all that credit card spending and pay it off as soon as those transactions clear. HOW I AFFORD TRAVEL YEAR-ROUND I budget travel into our monthly budget so there’s never any surprises. I sacrifice a lot of other things like: 🚫 - nails 💅🏾 - hair - lashes - movies/bowling/entertainment I realized years ago that my time is precious so I choose to spend time with my dtr & pay HER to do my mani/pedi. I do my own reties (I have Sisterlocks) or my loctician & I do each others hair for FREE.99 🗣️ I AM NOT SAYING STOP GETTING YOUR NAILS DONE I got my nails done off & on for years where I live and honestly, I haven’t found anyone worth the price so it was easy to let all that stuff go. Also the weather is 80 degrees everyday (except a couple months where it might drop to a cool 65 😏) so I stay in the ocean, somebody’s pool or sauna, etc. This lifestyle change means idc about lashes and makeup. I care about health, skincare & my mental. Here’s what I do spend money on: - facials & simple, clean products - therapy - vitamins, powders, fruits/veggies Anyway I know this is a travel post but it all relates to me bc when I feel good, I feel like traveling so boom 😂 But, travel is life for us sooo that’s all folks! Anybody else a travel girlie? #travel #sinkingfund #cashenvelopes #vacation #personalfinancetips #budgetingtips #budgetingforwomen #budgeting #budget #budgetlife #budgettips #budgetingtipsandtricks #howtobudget #budget101 #howtobudgetmoney #cashbudget

Here’s my travel wallet setup: - a few easy cash envelope categories like tips & eating out - ID (keep that passport in the safe) - travel credit card(s) This is my everyday carry wallet. I carry the least on me bc I need my purse light. I hate feeling weighted down on vacay. Per usual, I use cash for planned expenses like: - food - shopping I use my credit card for larger expenses like: - flights - hotel - Uber But I expense track all that credit card spending and pay it off as soon as those transactions clear. HOW I AFFORD TRAVEL YEAR-ROUND I budget travel into our monthly budget so there’s never any surprises. I sacrifice a lot of other things like: 🚫 - nails 💅🏾 - hair - lashes - movies/bowling/entertainment I realized years ago that my time is precious so I choose to spend time with my dtr & pay HER to do my mani/pedi. I do my own reties (I have Sisterlocks) or my loctician & I do each others hair for FREE.99 🗣️ I AM NOT SAYING STOP GETTING YOUR NAILS DONE I got my nails done off & on for years where I live and honestly, I haven’t found anyone worth the price so it was easy to let all that stuff go. Also the weather is 80 degrees everyday (except a couple months where it might drop to a cool 65 😏) so I stay in the ocean, somebody’s pool or sauna, etc. This lifestyle change means idc about lashes and makeup. I care about health, skincare & my mental. Here’s what I do spend money on: - facials & simple, clean products - therapy - vitamins, powders, fruits/veggies Anyway I know this is a travel post but it all relates to me bc when I feel good, I feel like traveling so boom 😂 But, travel is life for us sooo that’s all folks! Anybody else a travel girlie? #travel #sinkingfund #cashenvelopes #vacation #personalfinancetips #budgetingtips #budgetingforwomen #budgeting #budget #budgetlife #budgettips #budgetingtipsandtricks #howtobudget #budget101 #howtobudgetmoney #cashbudget