Believe And Budget
Money Talk with The Maloneys
Category: Pay Debt
Money Discussions before Engagement
Is it your dream to marry someone who is financially savvy? Is it your dream to not get a divorce because of money problems? Do you want to know what they want long term with their money? These were often in my mind when… Continue Reading “Money Discussions before Engagement”
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5 Ways to Build Your Credit Score
Do you want to learn how to increase and build your credit score, but don’t know exactly where to start? I have some realistic and practical ways for you to do it. I am living proof you can raise your credit score. I have done it. I have helped people do it and I want to show you through stories to help you know you can build your credit too for your next big purchase whether it is a home or a second home.
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Traveling tips while paying debt
Traveling improves your health. It is important to travel when you are paying down debt. Meeting new people brings joy. Getting away from the hustle at home helps you relax. Technology is at our finger tips and having less of it helps us reconnect… Continue Reading “Traveling tips while paying debt”
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Learn Why We Don’t Have A Storage Unit
Oh it feels so good to let go of stuff and love the life that you are living. It feels good to let go of the payment you are paying to keep stuff you might not even use again. You are able to learn through our 4 steps on why we did not have a storage unit and why you should reconsider it too!
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10 Steps to cleanse your budget
People are in a sink or swim moment right now which means that we need to cleanse your budget just as you would cleanse your body by eating certain foods and get all the unnecessary out. Let’s get all the unnecessary out of your… Continue Reading “10 Steps to cleanse your budget”
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HOW TO AVOID PAYING BANK FEES!
Wonder how to avoid paying bank fee? Any kind of fee? Know they are stealing your hardworking money. Let’s dive on into how to avoid fee with 4 simple easy ways!
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How I lived without an income for 3 months.
This post may contain affiliate links, and they are no cost to you! We are in an unpredictable time right now with many people not sure where their next paycheck is coming from. I want to share with you my experience of living without… Continue Reading “How I lived without an income for 3 months.”
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3 Ways to Adjust Your Meal Menu to Adjust to Inflation and a Higher Cost of Living.
Most people have only been hit by one of these items, but if you are like us. We moved from the east coast to the west coast this year. We have been hit by both inflation and a higher cost of living, but I am not allowing it to affect my attitude. Okay, maybe for about two months and then I realized I am going back to what I know and getting the best deals I know how from my real experience from working in grocery retail for 10 + years.
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How we paid off our home early
First, I want to start off we paid off our home, which we do not live the traditional lifestyle most American live. I fully believe that a home is where you make it. A home is something that keeps a roof over your head, food is served, and warmth is all around you with love. We live tiny in a 32 foot Thor Four Winds RV. We bought the RV for $47,000 and the loan we took out was for $50,000 in March 2019 and paid it off 100% by May 2021. Our income was under six figures as I was a stay at home mom, but this really doesn’t matter because we made the biggest dent in our loan when we made under six figures than we did when both my husband and I were working and we were making well over six figures. So if you are on the edge of should I pay off my home fast even though I “don’t make a lot of money” yes, why yes you should! You then have so much freedom with what you can do with your money. You can save it. You can give it. You can spend it. You can invest it. It is amazing!
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5 Ways to Build Your Credit Score
Do you want to learn how to increase and build your credit score, but don’t know exactly where to start? I have some realistic and practical ways for you to do it. I am living proof you can raise your credit score. I have done it. I have helped people do it and I want to show you through stories to help you know you can build your credit too for your next big purchase whether it is a home or a second home.
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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!
We travel the US in our RV and create handmade jewelry!
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1:1 Grocery Budget Coaching
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Free 15 Day Money Inspiration Devotional
Believe And Budget 
