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It’s 2020 and despite what our parents think apps can be beneficial and helpful in reaching your personal finance goals. We are no longer living in the days of putting money in envelopes under our mattress but are focusing on ways to automate our personal financial growth. We are using things that make reviewing and adjusting our personal finances on the go easy as blinking your eyes. This new age approach to personal finance is the wave and I want to help you know what works best through personal experience. Top 5 Personal Finance Apps My absolute favorite app!!! Digit, you can read my post about it here. In one sentence, Digit has a dope algorythm to see’s how you spend, takes money you wont notice and places that money in a FDIC insured account. Get $5 on me when you sign up here. Many of…

Budgeting Tips for Beginners Most of us want to budget but budgeting seems complicated and time consuming. I even found myself looking for apps to make it simple but could never find the perfect app. With most apps you have to link your bank account and put a lot of energy into categorizing purchases to find out how much you spend where to adjust your life in a particular area. That seemed to be more time consuming than just figuring it out on my own. I took some time out and said to myself how can i make this easy enough for me to actually want to do it but accurate. First thing I decided to do was to break my income into three accounts; bills, saving, and spending. Then I had to figure out how much I needed to put into each account. So boom, I needed to know…

So, here you are in all your budgeting glory getting your adulting on but you realize there is still room to save more money to put towards your financial goals. Typically you would think this is a easy fix, save the money and do what you have to do, right? Yes, until you realize what you would have to give up to save that money… YOUR SPACE! This is my current dilemma, do I want a roommate or not. Here I am in a place where I am saving more money because I have paid something’s off but I am like hmmm, I can save more. Rent is sky rocketing every where, in Nashville cost of living went up 54.1% from 2000 to 2015. At this point I am considering getting a roommate because I can save some extra money, right? Yeah but is what I am going to save…

I’m so sick of paying high ass cable bills and there is never anything on TV!! What a waste of money. Don’t get me wrong, I like to watch good movies and there are a few shows I really enjoy but most of the time the TV watches me. Something’s gotta give. I am giving away almost $150 a month to SAY I have cable. So I looked up all the ways we both can beat the box. The cable hustle ends today: The Options: There are plenty of TV episodes that air on Hulu Plus the day after airing on network TV. Hulu Plus is probably the fastest airing streaming service. For a TV watcher this is your best bet. Sling TV is owned by Dish Network, but you DON’T need to be a Dish subscriber. With Sling TV you can stream live cable TV channels, which includes channels…

I was on the phone with a good friend of mine, Ndi, and she told me her brother was in a susu. I instantly said “a who, spell that” lol.. She explained to me “SU SU.. S..U..S..U, its a group of people saving together to gain money fast for a business” or something like that. Still a little confused I asked her to explain more, she said “So let’s say 10 people put $100 in the pot once a month and each month one person gets to collect the total, so everyone puts in and gets no less than the same amount”… *light bulb goes off* I know you are like me reading this thinking, so what TF is a susu right? Well, a susu is basically a savings club. This type of savings club was created in the Caribbean. So, not only do they have beautiful beaches, resorts, great…

Debt-Free Together: A Real-Life Example A while back I read an article about 4 sisters who combined all their debt and paid it off in less than a year and a half. Yeah right? It seemed so unreal that I had to find the article and read it again, Lo and behold, it was absolutely true. These four sisters in Texas combined their income ($106k), moved in together, cut unnecessary expenses (cable, etc), and put each other on an allowance to attack their combined debt ($182k). Whoaaaa!!!! That’s too real. Their debt included student loans, credit cards, and car payments.  These took one of my favorite sayings and made it a reality “teamwork makes the dream work”. They joined forces to become debt free together. Imagine what you could accomplish by being debt free. Teamwork Makes The Dream Work Debt is a prevalent issue that affects many people’s financial stability…