Believe And Budget
Money Talk with The Maloneys
When to Budget?
Did your parents or school talk about money in your life? If not, this is a totally NORMAL question to ask.
When should I first start to budget?
Today, especially if it is before the beginning of the next month or your next paycheck. It is PERFECT! This is a great time to start because a budget is all about planning and planning where your money goes.
It is just like telling your kids what to do and telling your friends what you are doing for the week.
Tell your money where it is going and do not let it tell you that it is going to fees, late payments, huge loan rates,etc.
- Budget: Before the beginning of the next month or your next paycheck
- Savings: Automatically when your paycheck is directly deposited.
- Go into your direct deposit and make it automatically come from there that way you NEVER see it even in your regular account!
- Spending: This one is actually really hard for me…but in the last year it’s become easier and this is you can spend whatever you want because you budgeted for it!!! If you go over, I have taken it from one spending budget and put it to another.
You can make adjustments to your budget — you should to be honest. Life happens and things need to change throughout the month.
- Investing: Start now! It is never too late – even a small 1% – 5% is better than nothing. Here are a few of our dividends when we started investing, and not as a stay at home mom. I am so thankful I started investing when I did, because I make money cleaning messes from toddlers, babies, and doing all the mom things.
- Paying Debt: Start now with MORE than the minimum. Cannot afford more than the minimum…let’s start a coaching 1 on 1 session or get into Infinity: Budget Class for only $20. Check out our Shop!
Ready to help yourself embrace your unique budget and build a more successful life?
The 1:1 budget coaching session is taught by Kailey Maloney who has dived out of debt, moved across the country without a job, and managed to build her net worth over six figures. It’s a coaching session that is proven to help people who love God and move their finances to a new level and build a healthy, lifelong budgeting habit, and to nurture their current life.
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We are the Maloneys!
We are here to help you live a better life by believing, budgeting, and growing your networth!
We paid off 112k worth of debt in 6.5 years, cash funded our $10k wedding, saved $10k for our baby, paid for 2 cars with cash, and grew our networth to six figures!
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Believe And Budget 
The second tip on savings is a method that I really need to apply to my life .. like ASAP! ♥️ Great post and thanks for sharing !! I’m on WordPress too and would love to connect with you! Here’s one of my most recent posts
https://jessierenea.com/slow-progress-is-better-than-no-progress/
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