So there's 19 days and one pay period left in the year. I'm still $150 short on my emergency savings goal after finally purchasing the domain name for Thirty&Free and a random poop test for the fur baby. I think those expenses were pretty necessary/beneficial. No? I finally finished my ARM book and I'm passing the exam tomorrow. Extra monthly income has been at least $200 each month. I'm a little worried about this month since Lyft has slown down, but I should still be able to bring home at least $100 from driving. Couple that with my $90 bonus from passing my exam and I should be good to go on the income goal. Maybe Santa will even be kind enough to leave me a little extra.
0 Comments
Ask the closest person to you what their credit score is and there's a 60% chance that they have no idea! I like to view the credit score as more of a financial GPA or report card. That along with your actual credit report lets lenders know the likelihood of you paying back or defaulting on some sort of loan or line of credit. That why it is absolutely imperative that you keep track of your score and credit history.
Every morning at 6 a.m. before the Steve Harvey Morning show begins, Steve Harvey gives a few words of wisdom, motivation or whatever you want to call it. A few days ago as I'm driving to work, he comes on and he begins talking about the misunderstanding of luck and how he gets upset when people says he is "just a lucky person". His reasoning makes so much sense. People only see his money, fortune, and countless business ventures, but never take into account the hard work he's put in - basically undermining all of his talent and commitment. He goes on to break down what luck actually is..
So we're a little over a month into the journey (after finally figuring out what it actually is) and I've made some progress into a few of my end of year goals. The others, I'm a bit worried about. So lets see...
Debt. This stuff will crush you...if you let it. We get so caught up on buying random things on credit or taking out unnecessary loans, because 1) "saving takes too long" and 2)the monthly payments tricks you into thinking you're getting a good deal. In reality, both of these are untrue because of Interest. Saving $1,000 at $100 increments is a lot quicker than paying off $1,000 in debt at $100 increments, because the $100 debt payments include a charge for interest expense and the $100 incremental savings do not.
|