improve budget

What a journey 🥲 Thank you for being my rose that grew from concrete. #founderstory #planneraddict #plannergirls #plannerbusiness #budgetplanner #womanownedbusiness #veteranownedbusiness #smallbusinesslove #budgetinggoals

Who will you listen to? #financegoals #budget #moneychallenge

Budget ended. Now what? Step 6: Summarize To Do: End of budget & Dec 31 Time commitment: 60-90 mins (less if you’ve been tracking daily) 🔹Questions to ask: 👉🏽 What was our highest spend area? 👉🏽 Where did we go over budget the most? 👉🏽 What went well? 👉🏽 Were there any unexpected expenses? 👉🏽 What expenses can we cut that truly don’t make sense (e.g. subscriptions we don’t use)? 👉🏽 How can we position ourselves to save/invest more? Step 7: WIN. New year, new budget. Steps: January Money Calendar + Budget(s) To Do: Dec 31 - Jan 1 Time commitment: 45-60 mins 🔹Use your Dec numbers to create a realistic, well-balanced budget. The goal is to brilliantly multi-task your money. The only time to tunnel-vision is when high-interest debt is involved. ✨✨ Let’s do this together. ✅ Join the 2025 Rich Hive broadcast channel (takes one click on my profile below my bio). I’ll be giving you reminders, pro-tips and even “budget boosters” to 2 active members on Dec 15. ✅ Comment “hive” and I’ll send you a discount code for the hardcover Mosaic Wealth Planner (what you see me using in the video). Order by Oct 31 and you’ll get the Google Sheet version completely free (must add both to your cart). #financialindependence #budgetingforwomen #budgetplanner #plannerjunkie #paychecktopaycheck #howtosavemoney #emergencyfund #howtobudget #budgetcoach #budgetingisfun

A budget is a bridge, not a cage. Your budget should feel more like yes and less like no. Include your sources of joy. Include your values. But do it wisely. Step 5: Budget To Do: At least one December paycheck Time to create: 30 mins Daily tracking: 2-3 mins 🔹Use a sequential system that allows you to direct your money in a winning order. I use the 8-Part Budget™️. ✨ How about we do this together? The 2025 Rich Hive will be a community for those who want to tackle these 7 steps TOGETHER, with me as your guide. We start Nov 1. Check the caption in the final video for details!✨ #financialindependence #budgetexample #budgeting #financegoals #budgetplanner #wealthplanner #financeplanner

Future you is beaming right now. Because this is where it all started. This is when the tide changed. Keep going. Step 3: December Money Calendar To Do: Nov 30 Time commitment: 45 mins 🔹Include paydays, bills listed on due dates, subscriptions, travel, credit card due dates, special events, holidays Step 4: Debt Snapshot & Account Audit To Do: Week 1 of Dec Time commitment: 30-60 mins 🔹Determine your “money flow” as part of this step. I recommend: 👉🏽 Use one checking account for direct deposits. Cover bills and variable spending from this account. Send savings and investing from this account. 👉🏽 Put short-term savings in a traditional savings account. 👉🏽 Put long-term savings in a high-yield savings account. 👉🏽 For couples: hold onto your individual checking accounts. ✨ How about we do this together? The 2025 Rich Hive will be a community for those who want to tackle these 7 steps TOGETHER, with me as your guide. We start Nov 1. Check the caption in the final video for details!✨ #financialfreedom #financetips #futuremillionaire #2025goals #personalfinanceforwomen #budgetcoach #budgetplanner #plannerjunkies #budgetingisfun