Love me till the end of time

Hi. I'm Missy, 25 single and enjoying life. This blog is a reflection of my life, thoughts, wishes, dreams, etc. Wish it , dream about it and let it be. Message me!

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Love being able to reduce my monthly expenses any ways possible. I had T-mobile and for a single plan, I was paying $75 or $70 with auto pay. I remember being really excited to be able to save $5 each month with auto pay. I later realized that I didn’t really use my phone that much at work or when I’m out, I often use it when I’m home but I also have a WiFi connection at home. There was no need to pay that much for service I didn’t use much so I decided to do a little research.

I found out that Xfinity by Comcast has a service called Xfinity mobile “By the Gig” which is about $12 per month. Which means, instead of paying $70 per month, I’m now paying $15 or less every month. That’s saving $55 every month... that’s a win for me.

What were you able to cut down or save this month??.

[loveonpause]

Taking advantage of your 401k?

As a 25 years old female, the last thing I wanted to think about is retirement. Mostly, because I always thought I need to work hard for at least 40 years and I will be fine. Well, that’s far from the truth. I want to work smart but not work too hard, I know most people are thinking... here comes another lazy person. Why will I stress and work harder when I will earn the same if I only work smarter? Most employers match your contribution to your 401k, is means “FREE MONEY” You need to check with your employers because some of them will only do that if you stay with the company for at least 2 years. My employer actually matches 5% of what I contribute. Which is free money going toward your retirement.  At my previous job, I only did 3% and worked there for about 9 to 12 months. I had about $1,000 in my 401k. In my recent job, I decided to do 5% to my traditional IRA and $20 every paycheck to ROTH. I have only been with the company for 6 months and right now, I have contributed close to $3,000 form both my employers and myself. 

Do you see the difference? Imagine if I did what I’ve been doing now (taking advantage of my employers 5% contribution) Instead of just doing the minimum. Do your research and get all the free money that is available to you.   

[loveonpause]

Taking a chance or losing a job

I am going to do something that I'm very scared and afraid of this morning. We live in a world where everyone follows the norm, and doing something different can be great or a very bad idea. I have thought about starting my own business and even tho, I don't have much audience, nor do I have much experience. I believe that it's my calling and I will like to at least try it for myself.

I am going to request to work part-time as to working fulltime. The problem with that is as followed: 1) I could lose my job. I personally think my boss doesn't like me much and I feel like he could use this chance to get me out of the company because he needs people who are able to work more hours and not less. 2)How am I going to afford my bills and expenses with part-time pay? I know there are many great people who have done it before and I could to but what if I can't? 3)Will my business succeed? People always tell me to only think positive and everything will be fine but sometimes, you need to think about what if, just so that you can come up with a solution.

Some questions I keep asking myself is... Is this the right time to request to work part-time? No one in the office works part-time and I asked a few people if there was anyone that worked part-time and found out there's only one but he's working part-time because of health problems and doctor visits. I know most people will be reading this and thinking I'm overreacting... I could be but at the same time, this could cause a few problems for me at work by just asking about the option or the possibilities.

Wish me luck, Loves.

[loveonpause]

CASH ENVELOPE STUFFING

Every month, I write down how much I will be earning from work and how much I need to pay for expenses, bills or anything that’s going out. Writing out what comes in and what goes out helps me budget for the month. 

I get paid bi-weekly..

Every paycheck: $950, plus one time 200 for side job.

Income: $950x2 plus 200 = $2,100

*Rent : $1,000

 Gas : $120

 Food : $100

 Phone : $70 

 Save : $300

Invest : 100

Internet : $52

Total:$1,742.

The rest of the money goes in my sinking fund. A sinking fund is any money that you put down for the future. This can go toward car insurance, car maintenance, vacation, give away, toiletry. Your list could be different from mine but the point is to make sure you put some money down for other expenses that will be needed later on. 

Using a cash envelope helps you know how much you spend, and how much more money/ cash you have left. This also helps you avoid overspending and not use your credit card. 

I try to do the zero budget. This way, you make sure every dollar is spent or going toward something. 

[loveonpause]

CASH ENVELOPE STUFFING

Every month, I write down how much I will be earning from work and how much I need to pay for expenses, bills or anything that’s going out. Writing out what comes in and what goes out helps me budget for the month. 

I get paid bi-weekly..

Every paycheck: $950, plus one time 200 for side job.

Income: $950x2 plus 200 = $2,100

*Rent : $1,000

 Gas : $120

 Food : $100

 Phone : $70 

 Save : $300

Invest : 100

Internet : $52

Total:$1,742.

The rest of the money goes in my sinking fund. A sinking fund is any money that you put down for the future. This can go toward car insurance, car maintenance, vacation, give away, toiletry. Your list could be different from mine but the point is to make sure you put some money down for other expenses that will be needed later on. 

Using a cash envelope helps you know how much you spend, and how much more money/ cash you have left. This also helps you avoid overspending and not use your credit card. 

I try to do the zero budget. This way, you make sure every dollar is spent or going toward something. 

[loveonpause]

Wish someone would have told my classmates and I about life after taking out student loan before we did. What are some lies that you heard that made you take out student loan?? 

Follow me on IG: moab_budget for tips and ideas

[loveonpause]

New YouTube video is out!! Check my bio for the link!!! Working on my Cash stuffing is one of the best feelings, not sure if it’s because I was paid or because I’m able to hold the cash in my hands. Tell your money where to go and track every spending. I love budgeting and everything that comes with it but meal prep is a different topic 😂😂😂 #cashstuffing#cashenvelopes #cash #happy#budgetplanner #moab_budget#savingmoney #debtfreecommunity#debtfreejourney #debtfree2019

Keep reading

[loveonpause]

New YouTube video is out!! Check my bio for the link!!! Working on my Cash stuffing is one of the best feelings, not sure if it’s because I was paid or because I’m able to hold the cash in my hands. Tell your money where to go and track every spending. I love budgeting and everything that comes with it but meal prep is a different topic 😂😂😂 #cashstuffing#cashenvelopes #cash #happy#budgetplanner #moab_budget#savingmoney #debtfreecommunity#debtfreejourney #debtfree2019

https://www.youtube.com/watch?v=rnlmFlcRdF0&feature=youtu.be 

[loveonpause]

Wish someone would have told my classmates and I about life after taking out student loan before we did. What are some lies that you heard that made you take out student loan?? 

Follow me on IG: moab_budget for tips and ideas

[loveonpause]

Single during the holidays

Am I the only one single, depressed and noticing that this holiday doesn't really feel like a holiday? Christmas is one of my favorite holidays and I'm always looking forward to the music, decorations, being with friends, family, and the vibe itself. This year feel different.. I'm single, my families are in a different country, my number of friends are cutting down and feeling alone and kinda depressed. The good things are: started a new job, not stressed, still alive and healthy. My point is.. even though I am feeling low and kinda depressed, everything in my life isn't that bad. Just felt like writing this and if there's someone out there that is feeling the same thing I'm feeling, just know that you ain't alone and maybe it's better this way than to be in a bad relationship or be surrounded by people who don't care about your well being. You are loved and there are better days coming your way.

[loveonpause]

Single during the holidays

Am I the only one single, depressed and noticing that this holiday doesn't really feel like a holiday? Christmas is one of my favorite holidays and I'm always looking forward to the music, decorations, being with friends, family, and the vibe itself. This year feel different.. I'm single, my families are in a different country, my number of friends are cutting down and feeling alone and kinda depressed. The good things are: started a new job, not stressed, still alive and healthy. My point is.. even though I am feeling low and kinda depressed, everything in my life isn't that bad. Just felt like writing this and if there's someone out there that is feeling the same thing I'm feeling, just know that you ain't alone and maybe it's better this way than to be in a bad relationship or be surrounded by people who don't care about your well being. You are loved and there are better days coming your way.