Buckle up ya’ll because this one’s going to help you not break the bank but FILL it! This was requested by popular demand! Budgeting and saving! Let’s be honest, we could all get better at budgeting and saving. We don’t claim to be the financial gurus but hopefully some of these tips and tricks are ones that maybe you haven’t thought of or maybe just didn’t make sense for you until now. We truly hope these help and if you are in need of guidance we would LOVE to help you! Please email us or DM us if you are wanting clarification or just some simple guidance on reaching your financial goals. As always, thanks for sharing your time with us and listening to this episode of Self-Love Sit Downs. Contact us at: [email protected]: Kelsey @ https://www.instagram.com/kelsey_teddi/ Armando @ https://www.instagram.com/mandofarias05/

Budgeting

Get clear on your WHY (are you shocked??)

#1 Track your expenses for 2-3 months using Mint app, excel spreadsheet, paper/pen

#2 Where can you cut expenses?

#3 Get on the same page with your significant other

#4 Income minus expenses

#5 Leave room for emergencies or unexpected expenses

#6 Five main categories to finances. Food/Shelter/Transportation/Clothes/Health

#7 Close your department store credit cards

Saving

#1 Set goals and find your why. What’s your reason you’re saving?

#2 Create a timeline

#3 Savings buffer of 3-9 months MINIMUM

#4 Make saving automatic from paycheck  or via automatic bank transfer

#5 Cash & envelopes saving