Description

track your finances

• you can do this manually or through an app like mint

separate into categories of

• needs

  • rent

  • gas

  • food

  • implement scarcity in one or two categories here. it helps you dave, keeps you on track and humble. i always implement scarcity in food.

• wants

  • subscriptions

  • makeup and clothes

  • imagine these as dials. if you have the means, turn up dials that bring value to your life. turn down ones that don't

  • allocations for future//sinking funds

• diversify your income

  • one of my gigs that got me the bulk of my income in the spring is now way less $$ due to lack of demand and if I didn’t have another job I would’ve had to scramble but I didn’t!

sinking funds

• saving every month for a future expense that will be out of the ordinary

that way you are accounting for it chunk by chunk rather than all at once

can do this with your bank with an extra savings acct, or in an app. (like Qapital)

investments

• general investing

• whatever you can afford, even its just $5

• Acorns app

• roth ira

  • if you’re unable to contribute it to it at this point in life thats totally chill too, its just good to put out into the universe that you’re ready to plan for your future and live a more abundant, secure life!

savings tips

• keep a 30 day wish-waitlist

• touch on lifestyle inflation

• add a sense of urgency (if not already present)

manifestation

• scripting: I am so grateful for the money I make in jobs I love every day. I attract abundance and live an abundant life. I make $1500 a month which allows me to pay for rent and nutritious food along with money for clothes and traveling and spreading the love.

• revisit this manifestation every day

• you are not responsible for the how, for how you will become financially independent. so do not stress out too much about it. Being educated and aware and then attracting abundance is all you need!

• be specific with how much you want to earn and save

• alter your mindset around money to be one of abundance, not lack

  • do not engage in jokes surrounding money like lol im broke

  • you may have a scarcity mindset from your childhood of not growing up w much money, try to break free of this and think positively surrounding money

resources

mint app for tracking and budgeting

qapital app for sinking funds

acorn app for investing

credit sesame for checking credit score

spreadsheet!!! https://docs.google.com/spreadsheets/d/13-JG2ubp78-PxzWWerr19llM6H6PLIGRaamzriB3290/edit?usp=sharing

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