Have you dreamed of being debt free and living a financial stable journey? Want to build wealth and your future to come living your best life with faith and mindset? Let us tell you our journey and you can learn from us. We help bring people on a journey of wealth and a future legacy through their faith and mindset.
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 did teach me about money a little bit. My dad and mom helped me open my first bank account — free checking! My dad taught me to use a credit card only on gas to build up my credit and pay it off 100% every month! My mom bought me my first car — an old grandma car guys don’t get too excited about it!
Where money hit hard?
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.
College home run and well DEBT…
Being taught in college about finances changed my life! I had the debt — I needed to get out of it! I got out of it faster than lighting. Then began wanting to do something more with what I learned. It enhanced me to want to motivate, teach, and coach others to make this game change in their journey too!
Can you do it to?
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 our blog posts — we send out weekly blog for you to learn the best tips and tricks plus send motivation right to your email. It is completely free and we keep your details private!
Mint – Started using this in 2013 before I graduated college, and added my spouse to it the year we got married in 2019.
Capital One 360 in 2016 it is FREE for the savings accounts. Multiple savings accounts for easy an online envelop system.
Reading Daily Devotionals by Joyce Meyer
Biggest Inspiration – My parents
Daily Habits – quiet time, walking, and writing in my journal
Investing – We set our 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!!!
Ibotta – Love the deals without cutting coupons! Want to earn money back that we work hard for? It is easy to use especially since you can link up your Kroger card plus use Scan, Bag, Go at Kroger and get to see Ibotta deals, Kroger digital coupons, and save money!
Be sure to sign up to receive our encouragement each week!
Groceries can be expensive. Raise your hand if you have ever spent more than $200 a week for groceries and thought what did I buy? Raise your hand if you have ever gone to the grocery store and bought a car full of groceries, and got home and your kids said “We have no food!”. Yes, it happens to us all, but I know you can spend less on your groceries by learning how we shop and put a hard stop on both of those questions.
Need a cashless budgeting system that will be the 2020 decade budgeting method with more touchless payment methods and debit cards. Keeping germs away with using cashless budgeting! Cash will it be a thing of the past like Checks…we can thank Covid-19. We want to share with you two apps that will help you cashless budget and of course our yearly bullet budget journal. We will let you determine which is better to budget with as a cashless budget. It will be your strategic thinking for the week.
Have a huge pantry full of food? A full freezer full of food? Stuff behind other stuff that you don’t know what to do with? I bet you have enough stuff in your cupboard to make dinners! Remember some of these steps might not all apply to you and that is okay! We all do things differently and that is okay! It is out here for you to learn our process of grocery shopping to help you in your journey to cut your costs on your grocery bill. My mom even proved to me that she could do it! I know you can do it too with these steps!
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Welcome, 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!
Cut your grocery bill!
Use the meal planning 101 printable to help you SAVE so much money!
What you get?
✓ Pantry List
✓ Grocery List
✓ Monthly Meal Menu
✓ Weekly Meal Menu
✓ Yearly Meal Tracker
✓ How to Steps
✓ Digital download emailed from firstname.lastname@example.org within 24 - 48 hours
✓ Everything is ready for you to start savings on your groceries!