Budgeting & Finance

Cash, Credit or Debit?

March 3, 2021January 1, 2022by Jan's Life

Hi guys! I hope you’re having a great week so far. We’ve been spending a lot of time talking about building a good foundation for financial freedom. Today, I wanted to switch gears a little bit and talk about the actual act of spending. We all know the best way to be debt-free is not to get into debt in the first place, but is that really possible? Is it better to only use cash? For everything? Would debit cards be better? Are credit cards just a gateway to destruction? Let me tell you how I handle each one.

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Budgeting & Finance

Rainy Days

February 24, 2021January 1, 2022by Jan's Life3 Comments

Photo by Kelvin Franu00e7a on Pexels.com

Hi guys! OK, it’s been about three weeks since you’ve started tracking your expenses. You’ve had a little time to look at your current spending habits and see where your money is actually going. Is it what you expected? Are you totally surprised? Chances are, this exercise was eye-opening, even if just a little bit, but that was the point. For you to see exactly where you are. Now, let’s move on to the next step… building a little cushion.

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Budgeting & Finance

Financial Check-Up: Where are you now?

February 3, 2021January 1, 2022by Jan's Life1 Comment

Photo by Andrea Piacquadio on Pexels.com

Hi guys! To get a good foundation on our finances, we need to do one more important thing: a check-up. Yep, your finances need to have check-ups too. One thing that was very apparent in 2020 was that the vast majority of us were not in good financial health, and a lot of people are still feeling those affects. Incomes have changed, living situations have changed, and for many families, medical expenses have changed as well. I think most people genuinely want to get a good handle on their financial situations but just don’t know where to start.

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Budgeting & Finance

Where do you want to be?

January 27, 2021January 1, 2022by Jan's Life2 Comments

Hi guys! One of the biggest lessons that I learned from 2020 is the importance of good financial planning. So many people found themselves in situations that they never thought they would. Losing their jobs not only meant losing their income. It meant losing their insurance, their homes, their vehicles, their freedom and more. I’ve heard it said a thousand and one times throughout the past year: one source of income is not enough. But what do you do if one source of income is all you have?

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Budgeting & Finance

Curbside Pickups: More Expensive or Save You Money?

January 13, 2021January 1, 2022by Jan's Life

Hi guys! Aside from the ‘2020-like’ events that have happened so far this year, I hope 2021 is treating you well. Not too much has changed for me. I’m still teleworking and doing curbside pickup for the most part for groceries and other household items. This week though, I physically went into a few stores (with my mask on) to get my groceries. I didn’t spend too much money but afterwards, I realized that I did something that I hadn’t done in a very long time.

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Budgeting & Finance

Cash Flow Christmas

December 30, 2020January 1, 2022by Jan's Life1 Comment

Photo by Karolina Grabowska on Pexels.com

Hi guys! I want to take you back to a Christmas past. I was eagerly trying to finish my shopping early and find all of the perfect gifts for my loved ones. I wanted money to be no object, so if I found something that looked like the perfect gift, I bought it. My only plan was to just pay my credit off after all my shopping was done. No budget. No limit. Just shop and pay the bill later. Now, I want to make sure I’m very clear with my next statement here….

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Category: Budgeting & Finance

Cash, Credit or Debit?

Rainy Days

Financial Check-Up: Where are you now?

Where do you want to be?

Curbside Pickups: More Expensive or Save You Money?

Cash Flow Christmas

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