My Journey

Have you dreamed of being debt free and living a financial stable journey?

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Believe and Budget is all about believing in yourself! Believing in doing something good for the greater world!  Planning similar to how you plan for vacation, the weekend, or a girl’s or men’s night out on the town. Believe and Budget is also about motivating, teaching, and coaching you so you can enjoy a financially stable journey to share to the next generation of your family and friends!

My name is Kailey.  I love to share my passion of believing for the greater good, building positive relationships, budgeting the money we are given, and watching people enjoy the life the good Lord gave us as an outcome.

I became so interested in budgeting, finances, and believing from growing up.  I grew up in a household that was well off then well life happened.  My parents got a divorce, my family did not talk much about the finances and kept us living a life we were living like when my parents were together.  A life where we could not afford – Christmas’s were still big, school activities were still 100% in our lives, and even more I played on a select team traveling from state to state.  I did not know any better until my dad started to open up about money when I was in my first year of college.  I could not believe what he would tell me.  I thought to myself, how could he not afford to send me to a private college and why did I need to get a loan?  I was so spoiled with living this way…however, in my mind, I was not going to change my decision… I still went to the private college to play soccer anyways. After my first year, reality hit and I did not want to be living a life that I could not afford and not get myself out of.  In one day, I applied to a public college, transferred, and moved in with my older sister and her husband.  That year I took a financial class to learn more about finances and paying my debt while I was still in school. 

Being taught in college about finances changed my life! It enhanced me to want to motivate, teach, and coach others to make this game change in their journey too!

Living beyond your means can STOP now in your generation and even change the rest of your families journey too! 

How can we help you?

Most of my family and friends come to me about these common themes, which is why we have created 5 easy headlines for your access:

  • Budget – Starting a Budget
  • Believe – For the Greater Good
  • Pay Debt – Starting Now
  • Save Money – Begin Sooner Than You Think
  • Shop on a Budget – Financial Tools to Help

Follow my Blog posts! It is completely free and we keep your details private!

I want to provide you my recommendations I currently use during my financial journey plus the tools in the Believe and Budget Shop.

Started using Mint.com in 2013 a year before I graduated college.

The budget tool helps for a quick glance each week to stay on track!
http://mint.com

Started using Capital One 360 in 2016. Love it! It is FREE for the savings accounts. Multiple savings accounts for easy envelop system.

The app allows me to see what my saving funds are each month! I personally love to watch it grow!

http://capitalone.com

Reading Daily Devotionals by Joyce Meyer

Biggest inspiration – My mom 

Investing – who has time for that?

They give you 90 days managed free when you invest with them!

Betterment.com

I set my automatic contributions and forget it with Betterment.

Review it 4 times a year and Betterment does all the work for me!

Thank goodness – it’s been a lifesaver!!!

Love the deals without cutting coupons!

I also use Ibotta because I want to earn money back that we work hard for.  It is easy to you especially since I link up my Kroger card.  I use Scan, Bag, Go at my Kroger and get to see Ibotta deals, Kroger digital coupons, and save my money!

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