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Budgeting Baby #2: Is a Meal Delivery Service Worth it?

Budget, Family · July 8, 2020

Budgeting Baby #2: Is a Meal Delivery Service Worth it?

🗞 the GREAT news:⁣ ⁣ You can have it, too.

🗞 the GREAT news:⁣
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You can have it, too. ⁣
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You can be wealthy, too. ⁣
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And wealthy by YOUR definition. ⁣
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No one else’s. ⁣
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What will you do today to get richer? Mentally, physically, financially, spiritually?⁣
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Do it, then don’t stop doing it.⁣
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You will bridge the gap, I promise you. ⁣
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Who needed to hear this today?⁣
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🔹Beautiful Budget Workbook digital pack is available at the link in my bio⁣
🔹Desk setup linked on my Amazon storefront⁣
🔹Plants, peg boards, “Blessed” wood block, and metal desk organizer are all from IKEA 😃

When it comes to accounts…⁣ ⁣ Less is NOT mo

When it comes to accounts…⁣
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Less is NOT more.⁣
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And check to check is extremely hard to shake if all of your money is in one place, or in 2 places tight as peanut butter & jelly. 🫣⁣
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Separate your money and don’t make it easy to shuffle.⁣
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🔹 Checking: bills, variable spending, checking account cushion⁣
🔹 Traditional savings: 10-20% of your emergency fund, short-term savings (to be spent in the next 1-2 months)⁣
🔹 High-yield savings: savings efforts (sinking funds) including the remainder of your emergency fund⁣
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and of course investment accounts!⁣
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✨✨I absolutely love the @ally online savings (high yield savings) account! We’ve had an Ally account for 2 years and have been extremely happy. Ally allows you to setup up to 10 buckets inside of your HYSA and it consistently has a competitive APY (defined below)✨✨⁣
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APY = annual percentage yield = “amount paid to YOU” = the interest that the bank pays you for staging your funds there ⁣
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👉🏽 To do TODAY: Look for a high yield savings account offered by an FDIC-insured bank. Make sure it has a competitive APY. As of Sep 2022, a competitive rate is 2%. (A typical traditional savings account APY is 0.01% 😧)⁣
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SAVE, SHARE, and FOLLOW for part 4 🤗

2022 goal🪜 Customized my digital workbook trac

2022 goal🪜

Customized my digital workbook tracker to see our progress towards meeting this goal 😃

Still need to add employer match from hubby’s side + his company stock. We’re going to have to be aggressive in Q4! 🔥

Is there a goal you set at the beginning of the year that you’re still working towards? I’ll admit I adjusted/dropped a couple 😂 Sometimes we simply go a different path and gotta roll with it!

🔹Beautiful Budget Workbook Digital Pack is linked in bio!
🔹Honeycomb tracker is also available as a single download under “Printables” in the BB shop 😃
🔹iPad Pro 3rd Gen 11 inch
🔹Apple pencil 2nd Gen
🔹App: GoodNotes

#digitalplanner #beautifulbudgetworkbook #investingforbeginners #savingstracker #moneyhabits #moneyorganization #budgetplanner #personalfinancegoals #debtpayoffjourney

Even my money has a planner 🤓💰 😁😁😂

Even my money has a planner 🤓💰

😁😁😂

Full video on Y0uTube! 📺 See:
👉🏽 how I handle paydays that fall on the weekend
👉🏽 what I reference along the way to make sure I don’t miss any bills/subscriptions
👉🏽 where I get my digital stickers
👉🏽 why October is going to be a real test for your friendly neighborhood ISFJ budget nerd 🤣
and more!

Link in bio to watch 🤗

🔹iPad 3rd Gen 11 inch
🔹Apple Pencil 2nd Gen
🔹Beautiful Budget Workbook watercolor floral edition for tablets (link in bio!)

#budgetingforbeginners #digitalplanning #billsbillsbills #moneyorganization #personalfinance #howtobudget

I used to say this all the time 😣⁣ ⁣ I got

I used to say this all the time 😣⁣
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I got so comfortable making just some form of a payment that I failed to realize I was actually hustling backwards. ⁣
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😖⁣
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Determine where you stand with credit cards, and understand that they are most likely the largest threat to your progress if they are left unattended (aka you only make minimum payments). ⁣
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We gotta kill ‘em with fire ASAP. 🔥⁣
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Make the payoff a priority.⁣
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Craft a bare-bones budget with a bit of cushion for your checking account, take a look at what you have leftover, and assign the dollars to 2 goals: emergency fund and credit card payoff. ⁣
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Devote more to the latter for now.⁣
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If you’re investing, dial it back to employer match ONLY. Nothing more. If you invest beyond that with credit card debt in the equation, you are hustling backwards. It’s that simple. ⁣
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Save. Share. Stay tuned for part III!⁣
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🔹Budget Worksheet is part of Beautiful Budget Workbook (link in bio)⁣
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#budgetingforbeginners #paychecktopaychecknomore #creditcardpayoff #debtpayoffjourney ⁣
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This series.⁣ ⁣ Buckle up. ⁣ ⁣ It won’t

This series.⁣
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Buckle up. ⁣
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It won’t always be easy. ⁣
It won’t be overnight. ⁣
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But every strategy will get you closer to breaking the vicious cycle. ⁣

🔵Edited to add: HERE’S THE REST OF THE CLOSED CAPTIONS that got cut off at the end!
“But that is the amount you have to spend in that category, when it’s gone it’s gone. So you got paid, did the cash withdrawal, write what you have in your account then you’re going to log everything that comes in and goes out of your account during the pay cycle. This takes 2-3 mins a day. And along the way, just like you did before, you’re recording transactions next to their category. Keep your spending below what you originally wrote and you WILL have money left over. Move it to a separate account. Follow for more.”🔵

💰💰💰Do the steps outlined in this reel the day before you get paid. This is a process to build discipline in your weakest areas first. Next pay cycle, do 2 categories. After 1-2 times doing this, you’ll have the data you need to build a realistic, budget that will help you rather than enable you. 👉🏽 Your budget isn’t designed to enable your bad habits. It’s designed to maximize your best and most intentional ones. 💰💰💰
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👉🏽 My story:⁣
2016: 3 years into my military career, divorced, swimming in debt of all kinds, spending out of insecurity, no savings, no investing, living paycheck to paycheck, and paying alimony. I’ve done everything from teaching to tech since then, so I didn’t always have a high income.⁣
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✨ The GLOW-up: From 2018 - 2022, I led my family in paying off $74,000+ in debt, investing $140,000 for our retirement and $12,000 for our kids’ futures…all while traveling and leading lives we absolutely love.⁣
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Wealth isn’t reserved for the rich. ⁣
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Who’s going into 2023 with a money routine they’re proud of?⁣
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🔥🔥🔥🙌🏽⁣
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#budgetingforbeginners #paychecktopaycheck #wealthbuilder #futuremillionaire #millionairemindset #moneyorganization #budgetplanner ⁣

Feels like my own lil’ symphony 😁 Anyone els

Feels like my own lil’ symphony 😁

Anyone else soul searching to determine if they wanna stay pen & paper or go full digital planning? 😅

I see why you ladies asked me to create a tablet version of the workbook. It is quite glorious 🥹😍😂

🔹iPad Pro 3rd Gen 11 inches
🔹Apple pencil 2nd Gen
🔹Planner: Beautiful Budget Workbook
🔹App: @goodnotes.app
🔹Digital Stickers: @planning.to.prosper Kit 46

#digitalplanning #goodnotesplanner #budgeting #budgetplanner #expensetracker #savingstracker #digitalstickers #budgetworkbook #billpayment #personalfinance

Look at the first step, not the whole staircase.

Look at the first step, not the whole staircase.

Start budgeting TODAY, right where you are, with what you already have…using what I call a “mini budget.” 😃

👉🏽 Peek inside my personal mini budget for hubby’s birthday coming up! 🥳
👉🏽 Learn the 1 thing you HAVE to include in the budget to set yourself up for success
👉🏽 See the power of learning your money as you advance beyond the mini budget

All in the full video; link is in bio 😃

#budgetplanner #budgetingforbeginners #financehumor #personalfinance

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