Happy Money

First month of the new year = done! ✅

How are your financial goals going? If you're not making the progress you hoped, that's ok! There are still 334 days left in the year. So check in on your goals and revise your plan according to reality. And baby steps make all the difference. Keep going! 💪

Stick with it 💪 Baby steps still count as forward progress! To see if the The Payoff Loan™ is right for you, check out the link in our bio.

Celebrate the wins – big and small! 🎂 And we're always here for a good cake 🙌

We're here to help you use money as a tool for happiness 😊 💰 To see if the The Payoff Loan™ is right for you, check out the link in our bio!

Take a deep breath. Ahhh, that feels good 🧘‍♀️ To see if the The Payoff Loan™ is right for you, check out the link in our bio!

🙌 We're all for a finance plan that works for you. To see if the The Payoff Loan™ is right for you, check out the link in our bio!

It's ok to ask for help. To see if the The Payoff Loan™ is right for you, check out the link in our bio!

That feeling of accomplishment is the best, right?! Making progress on your financial goals is a big deal. And we're here cheering you on! 📣 To see if the The Payoff Loan™ is right for you, check out the link in our bio!

Spend less than you earn. It's easier said than done, but it can have great happiness returns. Check out this article to find out if money can buy happiness 🤔

https://happymoney.com/articles/can-money-buy-happiness-we-surveyed-2000-people

Looking for a fresh way to budget your money this year? Consider the 50/30/20 approach. Put 50% towards necessities, 30% towards wants & happy spends and 20% towards savings. It's a good basic breakdown to try out and adjust according to your specific needs and goals. What are you budgeting for this year? Less debt? More savings? More cross-country road trips? Whatever it is, let us know in the comments!

**BONUS** If you'd like to get started on a budget, check out the link in our bio!

Find your motivation 💪 To see if the The Payoff Loan™ is right for you, check out the link in our bio!

Want to save $400 in emergency funds to help improve your life satisfaction? Here's how the math breaks down.

Save $12.50 a week for about 8 months
Save $17 a week for about 6 months
Save $25 a week for about 4 months
Save $50 a week for about 2 months
Save $100 a week for 1 month

However you do it, you're headed in the right direction! 💰

Your goals are not their goals. Your progress is not their progress. Don't measure yourself by anyone else.

We love to hear it. Less stress is best 🧘 To see if the The Payoff Loan™ is right for you, check out the link in our bio!

It's all about the journey 🏃 To see if the The Payoff Loan™ is right for you, check out the link in our bio!

One step at a time. Then one more. And one more. Then keep going! 👟

Does the pace of the new year already have you feeling behind in your finances? **Deep breath** Pause for a mindful moment to remember your goals and what matters for you and your financial future. Drop a comment below to let us know how you spent your mindful moment. We'd love to hear!

A new year is always a good time to do a little budget refresh. Take a look at your recurring expenses from 2022 and see if any of them should stay in the past 🚫 And your happy spends? 😄 Bring those with you into the new year! ✔️

Money doesn't grow on trees (or succulents, unfortunately) but you can make your money flourish with a plan. What are you looking to grow in your finances this year? Drop a comment below to let us know your goals. We'd love to cheer you on! **Bonus** Check the link in our bio for a FREE credit card debt worksheet to get started on getting rid of debt this year! 💪 💳

Absolutely! It's never too late to learn, F***y! 🎓 To see if the The Payoff Loan™ is right for you, check out the link in our bio!

Don't wait! See if the The Payoff Loan™ is right for you, check out the link in our bio!

It's ok to have goals and to say them out loud! Sometimes believing that you can is half the battle. What's ahead for you in your finances this year? Let us know below. We're all about helping you use money as a tool for happiness! 🙌

**BONUS** If you're looking to build your savings in 2023, check out this article! https://happymoney.com/articles/get-into-a-savings-mindset-with-ease

Do you love or hate new year's resolutions? 🤔 Either way, what's on your list to learn this year when it comes to your finances? Drop a comment below. We'd love to hear!

New year, new you, new info on your credit report?! ✅ Be sure to keep tabs on your credit report year round, but the start of a new year is a great time to check in on any changes or errors on your credit report. You can get your free report by going to annualcreditreport.com.

Cracking open the first page of a fresh new calendar is the best feeling, right?! After marking down your important 2023 dates (birthday bash, check!), be sure to pencil in your important financial milestones too. From marking down pay days to tax day to budget check-ins, adding these items to your calendar (also known as a personal finance calendar) will set you on a great path for the year ahead!

Cheers to new beginnings, fresh budgets, and a renewed outlook on what your finance journey can be this year! 🥂

So true, Lawrence!

And The Payoff Loan™ is here to help you on the first half -- so you can achieve your goals and fund what makes you happy 🙂

To see if The Payoff Loan™ is right for you, check out https://happymoney.com/payoff-loan

Credit card debt can be overwhelming when times are hard. We want to help you make the most of your money so you can have peace of mind and achieve your goals.

By combining your loans into one monthly payment with an affordable interest rate, The Payoff Loan™ can help you pay off credit card debt more easily 💯

For more info, check out https://happymoney.com/payoff-loan!

What’s your favorite money moment from 2022? Take some time today to reflect on your financial accomplishments, learning lessons, and happy spends from this past year.

Maybe you finally mastered the art of paying bills on time. Or maybe you figured out which spends make you happy—and which don’t. Maybe your savings has grown by 10% compared to last year.

No matter where you’re at in your financial journey, chances are you’ve had at least one proud or exciting moment—and there are many more to come in 2023 🙌

Financial wellness is the name of the game! 💪

With a single fixed payment, affordable interest rates, and a set paid-off date, The Payoff Loan™ might be just what you need to reduce your credit card debt and have more control over your finances.

Check out https://happymoney.com/payoff-loan for more info!