All in Money Advice
I didn’t know it at the time, but money was keeping me right where I was, and I was stuck. The golden handcuffs are very well designed and companies depend on them to keep us on the hamster wheel
Salary - I have a CONSISTENT salary. Every 2 weeks my ‘paycheck’ is put into our personal account.
Worry Free - Even on a variable income I still enjoy the benefits of being my own boss, minus the stress of wondering how much I can pay myself each month.
Quarterly Bonuses - Not only do I pay myself bi-weekly, I pay myself quarterly bonuses too!
5th Bonus - Yes! Another bonus! This is the surplus I save for taxes. I always save a little extra for income taxes because I would rather have a bonus than panic for a payment I wasn’t prepared for.
My take on expensive hobbies? PLAN for them! If you have a hobby that is super important to you and you understand what the REAL cost is, BUDGET for it. Golf for example, is not just monthly or yearly dues coming from your account. You have to purchase clubs, tees, clothing, meals/snacks, and probably a few drinks during or after each round you play.
I’ve learned a lot from the things that I have done wrong along the way, and from what my clients have told me about their financial habits before we started to work together. So I am here today to share some lessons with you. Learn from my mistakes so that you can be financially successful and feel like the boss of your money!
Credit cards can be great tools to help minimize your financial risk. If your card is compromised and used by someone else, the credit card companies have procedures in place so you are not responsible for the charges. We have had this happen several times and have always been credited back the money for the charges.
By being more intentional with our spending. Taking what you have learned and using it to help keep you super focused! My life event that caused this shift was getting fired. I am so grateful that it opened our eyes and shifted our spending habits to be super intentional.
