FrugalChicLife Recommends…

Frugal Chic Life Resources:

Books:

Audible– Free 30 Day Trial for Audiobooks

The Total Money Makeover by Dave Ramsey
Dave Ramsey’s Complete Guide to Money by (you guessed it) Dave Ramsey
All Your Worth: The Ultimate Lifetime Money Plan by Elizabeth Warren
The Power to Prosper: 21 Days to Financial Freedom by Michelle Singletary
How to Retire Early: Your Guide to Getting Rich Slowly and Retiring on Less by Robert Charlton
Retire Inspired by Chris Hogan
Securing Your Financial Future by Chris Smith
The Boglehead’s Guide to Investing by Mel Lindauer, Taylor Larimore, & Michael LeBoeuf
Wealth Can’t Wait by David Osborn & Paul Morris
Women and Money by Suze Orman
Work Optional by Tanja Hester
Financial Freedom by Grant Sabatier

Blogs:

Frugalwoods (Financial Independence)
Our Next Life (Financial Independence)
Coach Carson (Real Estate Investing)
Rockstar Finance (The Best of Personal Finance)
Making Sense of Cents (Personal Finance)
JL Collinsnh (Investing)

Podcasts:

ChooseFI (Financial Independence)
Masters of Money (Personal Finance)
His and Her Money (Personal Finance)
Afford Anything (Real Estate/Passive Income)
Journey to Launch (Financial Independence)

Personal Finance Tools:

Personal Capital– FREE Online Platform for tracking your net worth and expenses
Bestow– Life Insurance Quote in Minutes Insurance starting at $8.00/month

Online Business Resources:

Site Ground– Blog Hosting
Convertkit– Email Service Provider
Divi– The Absolute best blog theme for the technologically challenged blogger

Beyond the Budget Money Planner

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Budget.Save.Invest.

Managing money, while balancing work, kids, and multiple responsibilities can be stressful, overwhelming, and frustrating. But the good news is, you’re not in this alone. Together, let’s embrace the beauty of financial freedom so that we can work less, and live more!

I think I've heard every reason in the book, but t $I think I've heard every reason in the book, but the #1 reason I hear is "not knowing where to start". Lack of information in today's world isn't a valid excuse. We're glued to our phones all 👏🏾 day 👏🏾. The real problem is failure to execute on the information that we do have. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Another common reason for not investing is "not having enough money". There is a major misunderstanding about how much money is needed to invest. With many of the apps out now, we can even buy fractional shares with as little as $5 to start. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Fear is valid. I get it. No one wants to lose money, including me. But baby boo... you're already losing money by doing nothing. It's called inflation. Being afraid of investing isn’t a mistake. Failing to do-it-scared is the mistake. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ If you’re intimidated by investing, start small. Begin with your workplace account. It's not sexy, but it is investing. The best place to start is by contributing to your workplace 401k or 403b. Next, start a Roth IRA. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Commit to opening up your 401k statements, combing through them, and see if there are words that you don’t understand. Then look them up and familiarize yourself with the lingo. As you become more comfortable, you’ll be able to expand, get more aggressive, and explore more advanced investing strategies if you choose.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ If you’re tired of sitting on the sidelines and want to start investing today, join the 4-Day Investing for Beginners Challenge. It’s totally free to join. #linkinbio⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #moneymindset #moneymatters #moneycoach #budget #wealthbuilding #wealthymindset #thinkbigger #financialwellness #debtfreejourney #debtfreeliving #budgeting #debtsucks #financialfreedom #financialindependence #shebuildswealth #millionairehabits #compoundinterest #indexinvestor #investingmatters #financialindependence #debtfreecommunity #savemorespendless #personalfinanceforwomen #beyondthebudget #frugalchiclife$

Sometimes you just have to name it and claim it 🙋🏽‍♀️

And of course, do the work.

Happy Wednesday!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#futuremillionaire #moneyaffirmations #moneymindset #moneymatters #moneycoach #budget #wealthbuilding #wealthymindset #thinkbigger #financialwellness #debtfreejourney #debtfreeliving #debtfreecommunity #budgeting #debtsucks #financialfreedom #frugalliving #blackwallstreet #debtfreeliving #millenial #financialindependence #savemorespendless #buildingblackwealth #personalfinanceforwomen #blackpfcommunity #beyondthebudget #frugalchiclife

Before going into battle you must know your oppone

Before going into battle you must know your opponent. Debt is our enemy and it is time to get to know all the details so that we can craft a plan of attack.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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How to craft a strategic plan to attack debt: ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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1. GET ORGANIZED.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Gather all of your financial paperwork in one place for easy accessibility. No more stacks of credit card bills hiding in dark corners.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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2. CREATE A LIST OF EVERY SINGLE DEBT FROM SMALLEST TO LARGEST.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Now, don’t panic. And don’t beat yourself up. Instead of living in regret, choose to use your energy to focus on knocking down debt one step at a time.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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3. MAKE MINIMUM PAYMENTS ON ALL DEBTS EXCEPT THE ONE W/ THE LOWEST BALANCE.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Now throw every available dollar at the smallest debt first. After the smallest debt is paid off, proceed to the debt with the next smallest balance and repeat.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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4. STAY UNCOMFORTABLE WITH YOUR DEBT.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Don’t become BFF’s with it. Rather, treat debt like the enemy it is. Re-visit your debt balance often so that you can keep the finish line, (debt freedom), at the forefront of your mind. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Pro Tip: Write your debt balance on a post-it and sticking it on the refrigerator or on your bathroom mirror. Or write it on a whiteboard. You will be re-energized and motivated to keep going as you walk past this reminder each day.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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5. DO A MONTHLY DEBT ASSESSMENT.⠀⠀⠀⠀⠀⠀⠀⠀⠀
As you make payments on debt, re-write your balances to track your progress each month. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Is debt really your enemy or are you besties? 🤭⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#debtsucks #debtfree #debtfreedom ##debtfreecommunity #financialfreedom #debtfreejourney #debtsnowball #debtavalanche #budgetlife #financialindependence #wealthcoach #wealthmindset #wealthypeople #wealthyhealth #wealthcreator #wealthgenerator⠀⠀⠀⠀⠀⠀⠀⠀⠀
#wealthgoals #personalfinanceforwomen #beyondthebudget #frugalchiclife

I have my heart set on Alaska😍 Since travel is

I have my heart set on Alaska😍 Since travel is still uncertain, I'm using this as an opportunity to start saving. I'm also contemplating a two-week RV trip next year to visit some of the national parks. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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What's your first travel destination after the pandemic ends? Are you currently saving to make it a reality? 🤔⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#travel #lovetraveling #womenwhotravel #travellingtheworld⠀⠀⠀⠀⠀⠀⠀⠀⠀
#traveloften #traveldestination #travelforlife⠀⠀⠀⠀⠀⠀⠀⠀⠀
#lifewelltraveled ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#moneycoach #debtfree #debtfreecommunity #financialfreedom #debtfreejourney #money #budgeting #budget #wealthbuilder #futuremillionaire #finance #personalfinanceforwomen #wealthbuilding #goals #debtfreedom #frugal #millenial #frugalliving #debtfreeliving #blackpfcommunity #beyondthebudget #frugalchiclife

Yes👏🏾Sir👏🏾. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Everyone who knows me, knows that I'm all for side hustles. Side hustles are one of the best weapons in your financial arsenal. But, unfortunately, a lot of side hustles require us to actively trade time for money. As I move towards financial independence I'm most looking forward to regaining control over my time which means developing more streams of PASSIVE income. As of now, my two streams of passive income include rental income and dividend investing. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Do you have a plan to make money while you sleep 😴 so that you won't have to work until you die? 🤔⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#scrollless #earnmore #securethebag #multiplestreamsofincome #passiveincome #indexinvestor #stockmarket #landlord #rentalincome #wealthmindset #rentalproperty #plantoprosper #stealthwealth #frugalwealthbuilder #beyondthebudget #moneymindset #moneymatters #wealthbuilding #wealthymindset #thinkbigger #financialwellness #debtfreejourney #debtfreeliving #budgeting #debtsucks #financialfreedom #financialindependence #beyondthebudget #savemorespendless #frugalchiclife

6 months ago I had about 3,500 IG subscribers, thi

6 months ago I had about 3,500 IG subscribers, this week I hit 10K. It just goes to show you what happens when you begin showing up consistently. And to be clear, for me, tracking these numbers isn't about ego or vanity. These numbers represent lives changed, futures changed, and bank accounts changed. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#walkinginpurpose #thisismycalling #thisismyministry #financialliteracy #financialindependence #financialfreedom⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#moneycoach #debtfree #debtfreecommunity #podcaster #moneyblogger #influencer #youtuber #blogger #goalgetter #wealthcoach #moneymindset#moneymatters #wealthmatters #budget #wealthbuilding #wealthcreation #finances #savings #financegoals #savemorespendless #personalfinanceforwomen #beyondthebudget #frugalchiclife

In horse racing, jockeys use a piece of equipment

In horse racing, jockeys use a piece of equipment called blinders or blinkers to prevent the horses from looking behind them or to the right or left while racing.

Blinders keep the horses focused on what is in front of them and encourages them to pay attention to the race rather than to the distractions around them

To be successful on this journey to financial freedom, we have to put on our own blinders. We have to tune out the noise around us, ignore the naysayers beside us, and stop lingering in the shadows of past mistakes. Then put one foot in front of the other and run our own race

#message #thatsaword #blinders #financialblinders #runyourownrace

#moneycoach #debtfree #debtfreecommunity #financialfreedom #debtfreejourney #money #budgeting #budget #wealthbuilder #daveramsey #futuremillionaire #finance #personalfinanceforwomen #wealthbuilding #changeyourmindset #goals #debtfreedom #frugal #millenial #frugalliving #debtfreeliving #blackpfcommunity #beyondthebudget #frugalchiclife

Not all of us are natural savers, sometimes we hav

Not all of us are natural savers, sometimes we have to trick ourselves into it. This tip right here is 🔥

At the end of each week, go into your account and 'zero' it out. If you have $444 sweep the last $4 into your connected savings account, leaving $440 (see what I did there...zero at the end of the balance). Or if you can comfortably save the $44 sweep that into your savings, leaving $400 (zero at the end).

By doing this simple trick, you can develop the habit of small amounts of money that you won't even miss.

#trickyourselfintosaving #zerooutyouraccount #moneytip #tipoftheday

#moneycoach #debtfree #debtfreecommunity #financialfreedom #debtfreejourney #money #budgeting #budget #wealthbuilder #daveramsey #futuremillionaire #finance #credit #creditscore #personalfinanceforwomen #goals #babystep #goodcredit #debtfreedom #frugal #millenial #frugalliving #debtfreeliving #beyondthebudget #frugalchiclife

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