everydayfinancegal

Every day will look different and that is okay. via ⁠
⁠
Follow 👉🏼 for money motivation.⁠
⁠
⁠
⁠
⁠

Love this from Zasha l Real Estate Investor] . Breaking goals down is the way to go!!

Follow:
👉🏽 Zasha l Real Estate Investor] for all things real estate investing and wealth building 🏚➡️🏠

👉🏽 for personal finance motivation from a single mom

From Zasha:

☝🏼Take it one step at a time and make consistent strides forward for the long term vision.

Make that 1st offer.
Get that 1st deal.
Create that 1st months cashflow.

💰I become financially independent in 5 years by going 💯 into investing, putting systems and processes in place and connecting with other successful people.

Got my 1st flip and made $103k net profit then rolled that into my 1st rental then quit my job & bought multi families then the rest is history!

BUT don’t be afraid to go at your own pace or get burnt out trying to keep up with everyone else🙏🏼

Lets all build a life where we can make an impact and have the freedom to do:
👉🏼whatever we want
👉🏼when we want
👉🏼with who we want
based on our passion not the need for money

Call someone today & spread some love. We may think we need Self Care, but sometimes we need Community Care.

Comment on who'll call today❤️

I reached out to someone who always reaches out to me first. 💝

Follow my friend for personal finance motivation and also a great page filled with practical tips to be grateful during the wealth building process

From Shang:

There are so many things that those of you reading right now might be enjoying, that many others around the world crave. And so when you feel down about life, start by counting the very, very essentials. Start by being happy with what you've got. Because if you can't find that joy now, having more won't necessarily make you happier.

Follow👉🏽 Ali+Josh | Real Estate & Personal Finance] for all things real estate & personal finance and my pages👉🏽 and for the journey of building a tiny house in my backyard💃🏻💃🏻

I did this in a backwards way. I bought a primary house in 2019 and I'm converting my garage into a 1 bed 1 bath. This proved great in the Los Angeles real estate market as 2-4 unit building are harder to come by.

From Ali and Josh, over at Ali+Josh | Real Estate & Personal Finance]

➡️D E L A Y E D GRATIFICATION⬅️. It’s not always easy, it’s certainly not always fun but mannnnnn, can it be powerful 🤩

Buying a home is a BIG financial decision & whether you have a strong financial foundation or not, can be the difference between a home being a blessing or a curse😬. Buying a home while also having car loans, student loans and credit card debt can make taking on a mortgage VERY stressful 🙈

As newlyweds, moving into a 120 year old duplex wasn’t as sexy as an HGTV ready home. But we knew that by eliminating our housing cost we could:
✔️Pay off all our debt
✔️Save 50-70% of our income
✔️Achieve greater financial freedom

We bought the first duplex in 2018, bought the 2nd one in 2020 and doing so helped us pay off $100k of student loans in under 3 years. Now when we buy a single family home? We will have $0 in consumer debt AND our cash flow will cover our mortgage allowing us to save and invest for financial freedom ✈️

The decision to delay gratification changed our lives & the impact from it will last for decades to come!

                                         

Love this from .kara ! Follow her for money and travel hacking tips!

I share parts of my money journey to encourage myself on my progress and provide motivation to others that small steps add up!!

But there are so many silent decisions and this post hit home.

Keep pushing and keep doing that next "one thing" to level up for your family and build generational wealth❤️

Follow me for more money tips and motivation

Follow Everyday Finance Gal] for more money and mindset tips that grew my wealth as a single mom.

I worked in strategy for the first two years of my career.

A lot of what we did was analyze how things could be more efficient and what changes we can make for the future.

When I think of my wealth journey and how I've gotten to over 1 million in net worth last year at age 35, a lot of it started with just starting and going for it.

🏠I bought my first home on my own and just went for it for save the 20% and just take it one step at a time.

🏠🏠I am building a back house just went for it one step at a time and super scared along the way. has the highlights

✍️ I started my Everyday Finance Gal] Instagram page in 2019 and same story, take it one step at a time.

🏋️‍♂️ I've lost 46 pounds since July 2021 and started it was one day and one step at a time.

Would love to hear about a success in your life ❤️💃🏻

Follow for money education and motivation.

I've been a renter, and now I own my own home. My preferred conversation is not "which one is better", but it's "which one made sense for me in that current life situation."

In the same way, I like to follow pages that are actually doing what they say versus just saying what we should do.

I like seeing / reading about the motivation behind actions, but also seeing how the actions look like in real life.

That's the goal of my page as well because it can ultimately empower you to make financial moves that are the best for Your life.

I'm so grateful you're here❤️

My dad would explain something "I knew" to me and I'd respond with "I know, Dad." 🙄His respond was the above quote.. adding "everything...I know" 🙄🤭⁠
⁠
I've grown the most when I've identified and admitted what I don't know, and worked on figuring it out or learning it from someone/somewhere else. I'm thankful to my immigrant dad for instilling in my sis and me a heart of humbleness and ambition.❤️⁠
⁠
NOTES:⁠
In a business or corporate environment, this didn't prove to be the best advice in the *short term*. When you say you don't know something, you are viewed negatively, people gossip about you, etc. I've learned that there is a time and place to ask questions...and in the *longer term*, my growth has been more explosive🧨 .⁠ (my total pay is now x6 since I started )
⁠
The skill is to learn WHEN to ask and WHO to ask:⁠
⁠
WHEN:⁠
📕the first 6 months to a year you start your first job, ask everything and everyone! You have a free pass since you're still new. It's better to ask a question then, than the same question in five years.⁠
📚After a year, it depends. I try to find out as much about my question on my own ( hehe) before asking my manager. That way he can correct my misunderstanding vs explain the entire thing. Ain't nobody got time for that (jk, I've spent multiple hours training ppl)⁠
⁠
WHO:⁠
📕year 1 is your manager and people you work with.⁠
📚After 1 year, find a few people at your job that you can trust to ask and give candid feedback. You will know by people's body language is they want to help you or not- again, research or try things on your own before asking. Ask your manager, just be mindful of everyone's time. .⁠
⁠
ALWAYS BE LEARNING💪🏼⁠
⁠
⁠

Follow and for personal finance and money motivation as I build my tiny home in my backyard!

I mentioned before I would underwrite loans to companies. A good way to show an investor how you are going to use the money is by laying out the sources and uses.

I am doing the same for my ADU to show you how it can look for personal finances.

I am showing you here that the SOURCE of my funds are a combination of my personal cash and a home equity line of credit from the primary home.

The USE of the cash will be to the construction costs of the ADU and I am also adding in some cushion. The left and right side should balance so you work backwards to figure out how much cash I'd need.

I expect it might go over $150,000 when I start to furnish it but this is just my budget for now.

Put your questions below 💃🏻

Follow for more personal finance tips and mindset shifts

I started my career in underwriting loans.

This means that I would look at a companies performance and figure out if they can repay our loan back or not. If they couldn't, I would structure it in a way that would make it easier to get paid if their risk increased.

One of my mentors told me that our goal isn't to prevent risk but it's to understand it and get paid for it lol.

The riskier a deal, the more we can charge for taking on that risk. (This is similar to a FICO score and getting charged more interest if your score is low)

In my personal life I use the same mentality.

Decisions became easier for me to make when I can sit down and think, OK what can go wrong.. and if this goes wrong, what can I do about it ..and then finally, what's the likelihood that this could go wrong?

Then I think- what can go right? And how can I make it to right?

❤️

Follow for daily personal finance education.⁠
⁠
Fees add up. ⁠

Especially with the holiday spending, we may lose track of our account balance. Today, I encourage you to spend a few min to scan for fees!
⁠
Check what fees your accounts are charging and make necessary moves to either move your money to a different account or understand the rules so you are not charged.⁠
⁠
For credit cards, typically that means paying off the Statement balance at every due date. ⁠
⁠
For checking accounts, it is usually maintaining a minimum daily balance.⁠
⁠
More Money Moves here ⁠
⁠
⁠
[SHARE] with a friend to remind them as well! ⁠
⁠
⁠
⁠

If reading is on your to do list- here's a free way to get some ebooks and audio books using Libby App]

4 Money Books available to read with my library card on Libby App] ⁠
⁠
1. The Psychology of Money ⁠
2. The Richest Man in Babylon⁠
3. The Millionaire Next Door ⁠
4. Quit like a Millionaire⁠....so many more! ⁠
⁠
⁠
When I was in 5th grade, I would read the Boxcar Children books in my bed. I'd flip on one side, read the page, then turn my body to the other side to read the other page of the book. I'm not sure why but I loved reading in bed. ⁠
⁠
These days, I listen to audiobooks during my solo neighborhood walks. ⁠
⁠
What's your favorite place to read/listen to books?

Save this for future reference, via Finance | Money | Invest]⁠
⁠
With my recent dividend recap post, here are a list of dividend paying companies.⁠ (education, not advice)
⁠
A dividend king is a stock with 50 or more consecutive years of dividend increases!⁠
⁠
While past performance doesn't mean they'll continue this in the future (a few companies stopped paying dividend during co v to reinvest in the business, pay bills etc vs paying it back to shareholders)⁠
⁠
Do you own any of these dividend kings?⁠
⁠
Dividend kings source: dogsofthedow.com⁠
⁠
Yield source: yahoo finance⁠
⁠
👉Follow and Finance | Money | Invest] more for money education and motivation!⁠
⁠
⁠

Sign me up 😂 . Follow me for money motivation 🤗

Open enrollment on my mind this week. If you have a job that provides benefits, HR and benefits team is there to help you. Utilize them!

More money moves at

😂 !

But real talk: It's your money, do what you want🤗 Im indifferent to the Black Friday hype. Before making a big non essential purchase, I stalk it for a while to see how the price fluctuations (places like west elm, Macys etc always mark down).

That way I can make an informed decision on whether this item is truly on sale.

Let's increase our income, keep our expenses low and invest the difference. ❤️ follow Everyday Finance Gal] for more money motivation

Tag a friend that needs to see this Everyday Finance Gal]

If you're new to this page from the first $100k post, I am sharing this again as background. It wasn't all "compound interest" and I don't want to give the false impression that by just putting in 100k it will grow. I share my wealth journey so you can see it's possible and also know that any education I share worked for me. I don't want to be a spam financial page, but want to encourage you in your own journey!🤗

Details:

⭐️ Yes, the first $100k in net worth took the longest! Once I got intentional in 2019, it grew quickly.⁠
⁠
In hindsight, by joining the workforce in 2008 at the start of the financial crisis gave me the lowest entrance point in the market. Then discovering FIRE community ( financial independence retire early) in 2019 and opening my taxable brokerage, and learning about Roth IRA prior to 2020 co-period was the second perfect timing as I started buying heavily in 2020 at another low entrance point.. ⁠
⁠
Even though my family immigrated here when I was 5, I went through a divorce and have been single breadwinner for the past 8 years, I am grateful for privileges like a loving family and support system, physical and mental ability to work in a high paying corporate job which allows me to live in a HCOL city and build generational wealth for my daughter as well as to hep my parents in their retirement. I praise the Lord daily for this provision! ⁠
⁠
Let this encourage you to start investing and making daily moves to change the trajectory of your family's future.⁠
⁠
My 3 wealth principals that have helped me are to ⁠
1. learn skills to grow my income⁠
2. control what i can control (my expenses)⁠
3. invest the rest by being a good steward of the money I have
new bonus: pay it forward.⁠
⁠

Somehow the temptations hit once a no spend weekend is announced😫

Tag a friend and follow 💃🏻❤️

Also how cute is this baby girl: its

Follow for daily actionable money tips.

With the holidays coming up, it's nice to layer in no spend activities.

What would you add?

Follow for more money motivation.⁠
⁠
🍁 🍂Happy November! 🍂 ⁠🍁
⁠
What is one goal you have for yourself this month? ⁠
⁠
Some of my goals this months are to:
🍃keep investing,
🍃 share more about the tiny home I'm building in my back yard(!),
🍃continue focusing on nutrition and working out- I've lost 34 lb so far💃🏻
🍃and to continue to add value to the community with money motivation! ⁠
⁠
⁠

Follow for daily personal finance tips.

If my peer is making more $ than me for the same job, there are other consequences beyond just the salary difference that I'm missing out on.

It dawned on me that I'm also losing out on the company match🤯! Every $1,000 someone else makes in this example, is an extra $50 employee match of money that can grow in the market.

What is your employee match if you have one? It was never something I focused on before FI/RE, but very important to know🔥

🚨need motivation to contribute tou your 40(1k)? Track your 401(k) or 403b contributions with the goals tracker in my bio 🥂

Link A!

the Job Market is hot right now. if you switched jobs, what did you do with your old 401(k)? AD⁠
⁠
I'm partnering with Capitalize to help you move the funds for free. Sometimes the mental burden of financial tasks can cause me to freeze and not take any action. If fees are too high, it may cost more money over time. I love how Capitalize does all the heavy lifting! ⁠
⁠
Use this link for more info & to get started: capitalize.sjv.io/LP2bG0⁠
⁠
Leaving behind your 401(k) isn’t necessarily bad - the most important thing is that your retirement funds are well-invested and aren’t being eroded by high fees. If an old 401(k) plan doesn’t check those boxes, leaving it behind could cost you nearly $700K in forgeone savings over just 30 years.⁠
⁠
What are the benefits of transferring an old 401(k) into an IRA?⁠
⚪It’s easy to manage.⁠
⚪An IRA gives you a place to consolidate your retirement savings every time you change jobs.⁠
⁠
⁠
You control your money, not your old employer.⁠
⚪Your 401(k) is managed by your employer, which means you can lose the ability to contribute when you leave your job, and it could even be transferred without your consent. Rolling your old 401(k) funds into an IRA ensures that you control where and how you invest your savings, not your former employer.⁠
⁠
⁠
Get more investment options.⁠
⚪Your 401(k) investment options are usually limited by your employer, so you can unlock more choices with an IRA, including alternative investments like real estate and crypto.⁠
⁠
⁠
Save with confidence.⁠
⚪73% of Americans don’t know what 401(k) fees they’re paying, but not knowing how your money is invested or what fees you’re paying could cost you a lot. IRAs provide easy visibility into fees, so you can choose an account that makes sense for you.⁠
⁠

Another example of a conversation that happens on ! DOWNLOAD FISHBOWL now to find out, LINK IN Bio & Story. AD

I've used Fishbowl to anonymously share and ask questions about various corporations.

You list your title or your company as your profile name, and you can ask questions about salary or negotiations... and anything else, really.

There are various channels. I used the finance one.

I would search by the company name to find out how happy people are at their company as well, how the benefits are and questions like this pic.. about the salary offer.

It's a free app 🤗 and I'm partnering with today to share it with the Everyday Finance Gal friends that are looking for new jobs or negotiate existing ones.

Click in story or copy this:
here’s your link:

https://joinfishbowl.com/everydayfinancegal

Follow me for daily money motivation 🤗

Which life is your paycheck funding?

Share with a friend to encourage them to think about their debt differently.

Posting here as well❤️ pls report this page and do no engage with them.

As a reminder, I will never ask you for money, crypto or forex transactions. Please exercise discernment if anyone does DM you for quick money plots.

My page is about sharing money tips and motivating you from my own wealth journey as a single-working-immigrant-millennial mom 💃🏻❤️I appreciate you being here!

Thx to all the kind folks DMing me to notify me of this page and for reporting it.

(Report the entire account as impersonating someone you know)

See if you’re being fairly compensated by your company!! DOWNLOAD FISHBOWL now to find out, LINK IN STORY. AD

I've used Fishbowl to anonymously share and ask questions about various corporations.

You list your title or your company as your profile name, and you can ask questions about salary or negotiations... and anything else, really.

There are various channels. I used the finance one.

I would search by the company name to find out how happy people are at their company as well, how the benefits are and questions like this pic.. about the salary offer.

It's a free app 🤗 and I'm partnering with them today to share it with the Everyday Finance Gal friends that are looking for new jobs.

Click in story or copy this:
here’s your link:

https://joinfishbowl.com/everydayfinancegal

Follow me for daily money motivation.

I am not saying don't be ambitious, but there is a different level of peace that comes from being content with what you have Today.⁠
⁠

What is your takeaway from this post?❤️⁠
⁠
⁠
⁠
⁠

Follow me for daily actionable money tips!

If you're wanting a financial tune up, the best way is to reduce your discretionary spend.

"Discretionary" means optional, or spend that you're deciding to make only that month, typically falls into the "wants" category... so expenses that can change.

Examples:
✅shopping
✅eating out
✅happy hour
✅entertainment.

A quick way in October is to see what you already spent in September to these category and reduce that spend!

Take that extra money and save/invest it toward other goals, or redirect it to something else that adds value to your life!

TAG a friend to motivate them❤️

Follow for money motivation to get started on your wealth journey ❤️

I love the learning process so much! But the change can only truly come when you start Implementing what you learned. No matter how small!

What are you going to put into action today??

TAG a friend to motivate them and hold each other accountable🤗

⁠