#moneymakeover

[mysstella]

Life Update 1/14/23

Hey guys! So sorry it’s been so long, my pc needed parts and I had a bunch of other stuff going on as well, and then I proceeded to procrastinate on posting here, of course. All is well now though, so I would love to continue with daily updates again. 

Since we last spoke I have been able to start a nice chunk of my savings, and I’ve been looking into either getting a better job, or even moving up in my current job. I’ve been trying to brainstorm on what I would like to do as a long term career, and honestly, I’ve been struggling quite a lot. I know one thing I’ve loved about all my jobs so far, has been the human interaction, and helping customers, the things I dislike specifically about my current place of work, is my management. I cannot stand who my upper management is, both my store manager and sales manager have made their way onto my shit list. The way that both of them talk to people is so demeaning and condescending, and it really grinds my gears. Another thing I dislike about my current position is how temporary it feels, I feel like this is just the filler chapter of my life, which I guess it kind of is, but I would love to still feel like my life has some meaning, ya know? 

I’ve been working really hard to try and focus on my goals, and make sure I don’t over spend. I have a few things I need to spend on this month that are necessary but unbudgeted for, such as new sneakers to work in (my old ones were worn out and my feet have been killing me), and I also need an oil change and tire rotation for my car. Both of these are just parts of life, however I had not budgeted them in necessarily, since I barely started budgeting to begin with. 

I am going to try to start putting away at least $50 from each paycheck, now that I get payed weekly, that will be $200 a month, which hopefully will be achievable. That will end up being a little over 2K saved this year just from that. I would also love to start Door-Dashing again to bump up how much I can afford to stash away each month. Even if that doesn’t happen though, I hope I will at least be able to keep up with the minimum of $200 a month. 

I also think I am going to start doing a weekly spending log at the bottom here, instead of doing it as daily, so I will update it every time to adjust the amount per week, including bills and everything. But I will start that this week, since I have also fallen back on not tracking my spending as I was previously. 

Finance Tracker:

Savings: $500

[ceritanyaanifah]

Money Make Over? #2 'Weakness Spot'

Dulu suka agak gemes ama financial advisor/konsultan/apapun namanya yg ‘masuk’ ke kitanya lewat kekhawatiran-kekhawariran masa depan. Endingnya sama, kamu WAJIB budgeting dana A, B, C dst. Ditambah banyak bet teori ribetnya. Nah cuma akhirnya saya nemu yang agak simple sesuai kapasitas otak saya (?). Salah satunya di channel youtubenya Dave Ramsey (doi adalah Author buku The Total Money Make Over yg famous ama 7 Baby Steps-nya, 2 x millyarder, pernah jadi milyader-bangkrut minus-trus jadi milyader lagi, so he such of practical bangkrut gitu deh, detailnya googling dah). Salah satu yang nyantol banget di saya adalah perihal weakness spot.

Oke, menurut si Dave Ramsey pengeluaran kasarnya dibagi 3: Spending, Saving (termasuk investasi) dan Giving. Dan menurut doi, manusia pasti punya 1 weakness spot diantara 3 itu.

Contoh, seneng nabung, seneng sedekah tapi gak jago belanja, mudah terhipnotis (?) tipudaya sale (weakness spotnya berarti di spending). Jago manage belanja, gak gampang tergoda, sedekah ok, tapi gak jago muterin duit-usaha/investing jadi incomenya stagnan gitu (berarti weakness spotnya di saving). Atau manage spending ok, saving oke tapi sedekahnya belum joss (berarti weaknessnya di giving). Case ini kemudian akan menjadi agak kompleks pas kita nanti udah sama pasangan(?). Kalo dipertemukan dengan weakness spot yg beda berarti Alhamdulillah saling melengkapi. Tapi kalo dipertemukan dengan yang weakness spotnya sama, kudu saling ngingetin.

Oke sampai sini yg paling penting adalah mengenali diri sendiri, dimana weakness spot kita? Sampai akhirnya ‘budgeting’ jadi tools yg digadang membantu meminimalisir drama-drama finansial ini. (Practical budgetingnya cek di channel youtube aja, dan ini baru 1/7 dari 7 baby stepsnya 😅)

Kok buat hidup diri sendiri itungan matematis bgt sih? (Ini nanti saya share di part 3 deh, gak muat captionnya✌)

Saya nggak ngikutin semuanya teorinya sih. Terutama part giving. Menurut saya kurang greget kalo giving atau urusan yg transaksinya sama Allah dibatasi budget. (Tapi gpp juga kalo mau set proporsional. Tergantung kadar keyakinan dah ini).

[loansearch]

🌈 New year, new financial you! Explore 7 innovative ways to reshape your financial future. 🚀💡 https://cstu.io/2977f0

[loansearch]

🌈 New year, new financial you! Explore 7 innovative ways to reshape your financial future. 🚀💡 https://cstu.io/2977f0

[mysstella]

Day Three-Dec. 15, 22

Hey guys! Today was my first day back at work after my vacation time, how fun. Today felt like it lasted longer than my whole week off. I don’t have all that much to say today, but I will say I have at least one book recommendation. “From Paycheck to Purpose” by Ken Coleman. I started reading it a few days ago, and although I’m not too far in yet, it’s definitely a good read. In the book, Coleman talks about how he went through the struggles that I’m sure a lot of us are facing, being miserable with your work, as well as living paycheck to paycheck. He gives some great insight on how to try and figure out what kind of careers suit you, and focuses a lot on emphasizing that your job is more than just where you make money, it’s where you spend a lot of your time and effort as well, so why stay at a place that makes you miserable. I’m hoping to take lots away from this book as I continue reading it, as I would love to figure out what kind of long term career suits me and what I love to do and excel at. 

I currently just work as a head cashier, and although I love interacting with customers, this job is not something I can see being something long term. I mean honestly, even if I moved up to supervisor or manager, it still would not feel like a real, long term job. 

Okay, now onto the daily update. Today I didn’t do much, other than go to work and watch my little sisters middle school band concert, exciting, I know. I will say, that since I’ve started this Tumblr blog, I’ve been thinking a lot more about my spending habits and my current financial status, which has been quite enlightening, I suppose. Just trying to think about all the places of which I needlessly spend, or how to stop being so careless with my money. I need to focus on not just telling myself that just because I have that money does not mean I can/should/need to spend that money. I need to start making sure I remind myself of my long term goals. Which is mainly trying to figure out a long-term living situation with my long-distance boyfriend, but to achieve that I must focus on being super tight with my money and only spending on absolute necessities. “Do I really need to go out and buy my sister and I dinner?” “Do I really need this shirt?” “Can I live without this thing?” The answer is NO, you do not need it! I’ve really been trying to make sure I stick with this very minimal spending, however its very difficult to break a habit that you’ve pretty much always done. Today, the only thing I spent money on was my lunch, because I skipped breakfast and was starving. But, this is not unusual for me to buy my lunches, in-fact, it’s part of what I’ve budgeted in for. However, for both my wallets sake and my own, another goal I have is to start prepping some simple, easy to throw together meals to take with me to work. My biggest issue with that, is that I’m kind of a picky eater and I get really bored of the same meals everyday, but I am still going to give it a shot. I will try to start implementing this after I go grocery shopping again, so I can make sure I have everything I need for my meals.

Financial Tracker:

Savings:$0

Spent today:$5.40

[mysstella]

Day Two-Dec. 14, 22

Hey guys! So yesterday and today I have been tracking all my expenses down in my notes, so I can see exactly how much I spend, when and where. I think this in depth break down of my cash flow will really help me see where my issues are occurring, to hopefully help me break this terrible habit of spending I have. I will also start including the log of outflow at the bottom along with my debt balances and my saving balance. Obviously the outflow one is going to be really the only one that will change daily, as I am not going to be paying towards my debt every single day. So I have decided to only update the debt sections once a month to reduce redundancy.  

Today, I did buy my sister and I some food as well as we went Christmas shopping, so that’s why I spent such a high amount today. But, I am now all done with Christmas shopping so I no longer have to worry about that. I do normally get lots of gift cards from my family members for Christmas, and they’re typically those Visa gift cards that you can use anywhere. So I have decided I will either only use those for the next few months for my purchases other than my auto bills, or I will put those into my savings. I haven’t quite decided on which yet but either one will pretty much have the same outcome; money going into my savings 

I don’t want this all to just be me ranting about my financial struggles, as I would love to make this a little more personal than that. So I will also try to include funny details about my day, or anything I feel interesting enough to share with you all. If anyone has any questions or comments, I’d love to hear them! You can DM me or even hit the ask button on my profile!

 Financial Tracker:

Savings: $0

Spent today: $72.04

[mysstella]

Hi guys! Not my daily update yet but i just wanted to share my handsome floof ball! This is Pepper, he is a longish haired black cat, and he’s about two and a half!

[amielle-zay-marcotte]

Creating a Budget is the POWERFUL difference between telling your money where to go verses wondering where it went. ♥️ Isn’t it nice knowing, we have everything we need to begin now 🙏🏼#financiallyfit #lifeactivation #responsibility . . . . . . . . . . . . . . . . . . . . . . #financiallyfit #moneymakeover #investment #sayingno #responsibility #manifestation #liberation #independent #thejoyoflife #balance #highvibes #truthfulness #organization #higherawakening https://www.instagram.com/p/CXfuh-CrpIZ/?utm_medium=tumblr