This is just another reminder that deciding where to put your money matters! ALWAYS research banking fees and interest rates.
Here are some banks I do like:
1️⃣ Ally Bank: Currently, I have my emergency savings in their online high-yield savings accounts. You have no over-draft fees, monthly fees, and no minimums. They don’t always offer the highest rates, but come close!
2️⃣ Credit Unions: I love credit unions and have both checking and savings with a local credit union! Bigger banks might offer more products, but they aren’t worth the member-owned service you get with a credit union. Of course, there might be better options if you travel internationally or need access to a bank nationwide.
3️⃣ I have heard great things about the Discover Cashback Debit checking account but have yet to use it myself. This account has no fees or minimum balance requirements, no-fee check ordering, and fee-free overdraft protection. They also offer over 60,000 free ATMs.
What bank do you use and love?
#personalfinanceforwomen #bankingawareness #savingmoney #checkingaccount #moneytips #thebudgetmom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
This was a hard weekly recap to share, but it’s the truth.
I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough.
For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’
I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible.
I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare.
I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough.
Thank you for allowing me to share this journey with you. What are some struggles you had this week?
#thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Yesterday, I received a message asking, “When I set goals, I dream too big, and then I get discouraged knowing that I will probably never reach my dreams in my lifetime. How do you dream big without feeling defeated or discouraged, knowing you will never get there?”
When I stopped telling myself I would never have something and removed the word “impossible” from my vocabulary, I had a very different mindset about dreaming big. You can dream big and find balance with reality.
You will never have the opportunity to surprise yourself if you never take action. You can never look beyond your current circumstances unless you have big dreams.
If you haven’t already, I suggest you create a vision board. I bought my board from Amazon, and I like to fill it with pictures and aspirations.
When you create a vision board, you are externalizing your intentions and creating a tangible reminder of what you are working towards. It can help you clarify your goals, keep you focused on your aspirations, and motivate you to take action towards achieving them.
Don’t just fill it with the things you want. Print out pictures that make you feel good, give you hope, and motivate you. Let it be a source of inspiration—a constant reminder of where you are heading and the life you want to live.
I have found that promoting visualization in my life is a key component of my success. It’s all about aligning your thoughts, dreams, and actions!
Do you have a vision board?
#dreambig #visualizeyourdreams #visionboard
#moneygoals #financialjourney #financialgoals
#manifestyourlife #believeinyourdreams #bigdreamsbiggoals #thebudgetmom
When should you use a high-yield savings account?
If you want to save for a short to medium-term goal without the risk of investing, a HYSA is a good option!
For my emergency fund, I keep about 25% in my savings account at my credit union and the rest, 75%, in a high-yield savings account with Ally.
I do this because it would take up to 1-2 days to get my money from Ally, so I like to have the option of immediate cash from my credit union.
When searching for a high-yield savings account, here are the things you want to look for:
✔️ Easy access to your money
✔️ Competitive rates
✔️ No bank fees
✔️ Has FDIC insurance
I have heard great things about SoFi, CiTBank, and Capital One but have never used them personally.
Do you want to earn more on your savings? 😫 Let’s talk solutions! Have you looked into high-yield savings accounts as an option? Share your thoughts and questions below!
#BoostYourSavings #FinancialWellness #GrowYourMoney #SavingsGoals #HighYieldSavings #SmartSavings #thebudgetmom
I am so excited to have Ryen back for this March budget recap! The last time we showed Ryen’s budget, she was one year away from being debt-free. She shares where she is now!
I show my “Where Did My Money Go?” worksheets and discuss my $8,000 expense in March!
#thebudgetmom #budgeting101 #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #budgettips #youtubechannel
Products that I use:
✔️ Soap I make myself or Foxbrim Milk & Honey face wash
✔️ Epionce Renewal Face Lotion
✔️ Epionce Lytic TX
✔️ Thayer’s Rose Toner
✔️ Face Reality Daily SPF 30 Lotion
I follow this routine morning and night religiously.
I ALWAYS wear sunscreen and treat my neck area. Do NOT ignore your neck!
I know Epionce is not 100% natural and is pricey. However, you only need to use a small amount of the lotion—it goes a long way! I like Epionce for its botanical ingredients, and it’s paraben-, fragrance-, sulfate- and gluten-free. I am not sponsored by them in any way. I genuinely use and like their products.
I’m currently testing and making my own lotion products.
I don’t wear any makeup except some mascara (sometimes).
A lesson I learned from my mom is that simple is sometimes the best.
What is your favorite skincare product?
#skincareroutine #thebudgetmom #skincaredaily
The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited.
There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting.
This method works with any income and any pay schedule. You just create a budget each time you are paid.
Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went.
These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget.
In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”.
Do you use the Budget by Paycheck Method?
#thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited.
There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting.
This method works with any income and any pay schedule. You just create a budget each time you are paid.
Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went.
These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget.
In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”.
Do you use the Budget by Paycheck Method?
#thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited.
There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting.
This method works with any income and any pay schedule. You just create a budget each time you are paid.
Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went.
These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget.
In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”.
Do you use the Budget by Paycheck Method?
#thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited.
There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting.
This method works with any income and any pay schedule. You just create a budget each time you are paid.
Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went.
These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget.
In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”.
Do you use the Budget by Paycheck Method?
#thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited.
There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting.
This method works with any income and any pay schedule. You just create a budget each time you are paid.
Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went.
These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget.
In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”.
Do you use the Budget by Paycheck Method?
#thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited.
There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting.
This method works with any income and any pay schedule. You just create a budget each time you are paid.
Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went.
These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget.
In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”.
Do you use the Budget by Paycheck Method?
#thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited.
There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting.
This method works with any income and any pay schedule. You just create a budget each time you are paid.
Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went.
These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget.
In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”.
Do you use the Budget by Paycheck Method?
#thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited.
There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting.
This method works with any income and any pay schedule. You just create a budget each time you are paid.
Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went.
These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget.
In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”.
Do you use the Budget by Paycheck Method?
#thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
Why is tracking your spending so important??
YOU CAN’T CHANGE WHAT YOU DON’T KNOW.
Furthermore, you can’t improve if you don’t know where you are starting.
Everyone’s spending will look different because everyone has different goals, values, and life events.
With a clear understanding of your spending habits, it can be easier to make informed decisions and meet your financial goals.
Tracking your spending helps you identify areas where you may be spending more than you should, helping you curb unnecessary expenses. It allows you to reduce non-essential purchases and focus on what’s important to you.
Here are some other HUGE benefits of tracking your spending:
Debt management: By tracking your expenses, you can identify opportunities to allocate more funds towards debt repayment, tackle high-interest debt first, and make informed decisions that lead to financial stability.
Saving and investing: You can identify areas where you can save more or invest wisely. Tracking spending helps you set realistic savings goals, contribute to retirement accounts, and invest in assets that can grow your wealth over time.
Financial awareness and control: Tracking your spending promotes financial awareness and control. You become more conscious of your financial decisions, avoid impulsive purchases, and make informed choices about how you want to use your money. This awareness and control lead to better financial well-being and the ability to build wealth over time.
Have you discovered any surprising spending patterns through tracking your spending?
#budgeting #financialplanning #personalfinance #moneymanagement #spendingtracker #budgettips #financialfreedom #savemoney #financialgoals #moneytracking #moneytips #budgeting101 #debtfreejourney #financialwellness #budgetplanning #frugalliving #financialhabits #smartspending #moneysavingtips #financialawareness #thebudgetmom #budgetmom