everydayfinancegal

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everydayfinancegal

Financial literacy tips (and humor) to help you make more wise financial decisions �� from a gal who

06/11/2022

Every day will look different and that is okay. via ⁠
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Follow 👉🏼 for money motivation.⁠
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04/30/2022

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

04/29/2022

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. 💝

04/26/2022

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.

04/25/2022

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!

04/24/2022

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

04/12/2022

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 ❤️💃🏻

03/10/2022

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❤️

03/09/2022

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" 🙄🤭⁠
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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.❤️⁠
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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 )
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The skill is to learn WHEN to ask and WHO to ask:⁠
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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)⁠
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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. .⁠
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ALWAYS BE LEARNING💪🏼⁠
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03/08/2022

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 💃🏻

03/02/2022

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?

❤️

01/10/2022

Follow for daily personal finance education.⁠
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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!
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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.⁠
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For credit cards, typically that means paying off the Statement balance at every due date. ⁠
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For checking accounts, it is usually maintaining a minimum daily balance.⁠
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More Money Moves here ⁠
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[SHARE] with a friend to remind them as well! ⁠
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http://everydayfinancegal.com/my-links/

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