Believe And Budget
Money Talk with The Maloneys
Inspiration
Ever felt like you’re stuck in a downward spiral, you cannot get out, and you are not going anywhere with life? I haven’t felt like this in awhile, but this whole pregancy thing has got me where the devil has been working on me way too long. He has been winning and I had to remind myself of these few things:
Proverbs 19: 20 “Pay attention to advice and accept correction so you can live sensibly.”
Aka… accept feedback when you don’t feel good about it.
Below are a few inspirations that help when needing to get out of that downward spiral of depression.
1. Keep it simple
As you know, life is so fast paced. What is the next best thing to get? Posting all the glammer on social media, but never posting the bad. Go. Go. Go. Life. Working long and harder than ever before because you are afraid they may let you go. Companies… if they let you go now it is going to be because of a market crash. The leaders are all in it for themselves, and want to eat it all first. Like in the book I am reading now, “Leaders Eat Last” by Simon Sinek. He reminds me if we work in an environment which makes it harder to earn incentives our desire to help our coworkers become less and less. When this happens… eventually everyone will lose. But if the leaders do it right and fair, and cut back everyone including themselves than a company will win because people feel safe and trusted.
This book reminded me a lot to keep it simple because in the world that keeps going. No one really is going to look out for you but God. God will do anything and everything in his power to keep you safe, loved, and live right.
Hebrews 1:3 God’s son has all the brightness of God’s own glory and is like him in every way. By his own mighty word, he holds the universe together.
❤ A reminder when things fall apart know God will hold you together and keep you up!
In other words, keep it simple by going to God!
2. Positive thoughts. Positive actions.
If you guys read through my blog, it is not the first time I have written about positive thoughts. positive actions. This saying my mom used to always say it to me especially in college when I was having a hard time working 5 jobs and going to school full time. I am going to bring it back to the inspiration portion. If you tell yourself this saying over and over again you will have a better outcome on life.
“Positive thoughts. Positive actions”
“Positive thoughts. Positive actions”
“Positive thoughts. Positive actions”
One more time… “Positive thoughts. Positive actions”
Any time you feel negative thoughts coming to your mind… say, “positive thoughts. positive actions.” It will get your mind off of the negative thought that was taking over your brain and give you joy.
3. Set it and forget it accounts.
This is a money 101 tip…
Setting an amount of money to go right toward your savings account from your payroll. I did this in college, and now I have brought it into our marriage and it works!
People often feel they are going no where in their finances or just do not want to know the reality of their debt or the fact they are not saving a dime. I will tell you…if you just keep living like you don’t know about your finances you will not get anywhere. How are you going to live when you retire?
Maybe you have not hit the “OHHHHH SH****T feeling,” the “how in the world did we get ourselves in this place feeling.” Or maybe you are really good at saving and you are good with your finances and just hit a slope now.
Most of my family and friends tell me, I am pretty good with finances and getting my hubby on board with being debt free has not been that much of a challenge. However, the other day, I hit a wall and thought we were going NO WHERE with our finances. I felt like we were living paycheck to paycheck, even though we are not. I felt like we were never going to get through my husbands student loans and they were just building up.
Until…I sat down on a Sunday to do my weekly expense tracker, and saw where our money went this week. I reflected in my journal…
- Hopes and dreams
- Thankful
- Prayers
Like I normally do, but today I sat outside and did it while the dogs were playing. My thankful for were:
- Added $3k in my HSA in 2 months
- Gave to god this month already
- Met our 3 – 6 month emergency fund goal in Sept 2019 and the goal was set for Dec. 2019
- Met our auto goal in Sept 2019…the goal was set again in Dec. 2019
- From June to Sept. we decreased Tom’s student loans from 18k to 12k
These reflections in my journal reminded me of my set it and forget it accounts and how important they really are.
They are important for times where you feel like nothing you are doing is good enough with your finances. It will remove the devils plan to try to get you off track of your goals — remember God has inspired you to rock your finances especially if you give to him the first of your crops.
More about… set it and forget it accounts…we automatically put in money into these 3 accounts (HSA, Efund, and auto fund.) With these we were going somewhere and we did do good — thank you to these set it and forget it saving habits that I totally forgot about!!
If you have not set up a set it and forget it accounts, please start small with $25 and once you have more confidence increase it and create multiple.
You will be happy you did down the road — just like I was with my reflection!!
4. Taking time for a walk by yourself.
Right here, taking care of yourself helps increase endorphins!! It is a natural painkiller of stress and depression. As you know, it helps you sleep and so much more! It does not have to be long, but choose to do it even if it is only a walk around the block!
When I got pregnant, I stopped exercising, jazzercising, and walking….let me tell you this was a bad idea. I was really tired, cranky, and always complaining. I realized I needed to get this normal habit back into my life.
Taking the time for a walk helps reflect on life, think about the positive, thank God for the goodness in life, and reduces stress.
5. Write in a journal.
Mentioned earlier, writing in a journal! If you are really depressed and feel like nothing is going right definitely start small.
Hebrew 10:35 ” Keep on being brave! It will bring you great reward.”
Phillippians 4:13 ” Christ gives me strength to face anything”
Thankful for…
Being thankful for simple things such as… thank you for waking me up today, thank you for allowing me to breathe the fresh air, thank you for a roof over my head, thank you for feeding me good food, thank you for letting me work a 9 hour work day, thank you for the people in my life, and you guys get it.
Dream big…
Cast your cares..if you do not ask God…he will not give it to you.
Write down your craziest dreams!
Here are a few of mine and they have come true….
- Move to North Carolina – lived here for a year!
- Live tiny – living in a RV with my husband
- Find a husband who I can start a family with — done and on the way!
- Become debtfree — done, well yes and no… I married into some debt, so we are doing becoming debt free together again ❤ Soon though!
- Build a baby fund before the baby comes — DONE DONE DONE!!
Some that are still dreams that are not answered yet…
- Become a CEO
- Become a giving millionaire
- Travel to all 50 states
- Build a small house on land we own
- Be happy, madly in love with my husband for 50+ years
Prayers…
Pray for people. Pray for your hopes and dreams. Pray for all your struggles to be taken away by God. Ask god to help you through the winter…spring is right around the corner. Pray for healing and let disappointments open up new dreams!
Other topics I have written in my journal:
Blessings…
Achievements…
Lessons learned…
Bad days…
Good days…
Write it all down. It makes you aware and know yourself at a deeper level. Write new things each day. Notice a pattern. Change it up. Write it all out. Let it all out. It will help you!
These tips of inspirations are to help you get out of the rut, out of the “my life sucks” phase and into a new chapter. Into the spring. God is going to move mountains in your life. He is going to inspire you to do mighty things. Take these tips to find inspiration to help you find God and find yourself. To help you stop thinking about what the Jones are doing, because the Jones are probably not as happy as you think. The Jones are probably not living their best life and money does not always make people happy.
One last thing I want to leave you with is…you are not alone. If you need anything, please reach out to me, a friend, or a family member.
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Investing
Why we all should invest in our Companies 401(k) and other benefits.
- Company Match
Know what your company match is – it is FREE money!
It is very important to know what your company match is because you need to be taking advantage of it. Many people I have talked to do not do this because they “cannot afford it.” If you start small and grow it each time you have a raise or when you feel really good about your money situation you will be golden! My company match used to be if you contribute 5% and they would match 100% of the first 3% and 50% of the other 2%. Recently it changed and it is very rich match – Contribute 5% and they match 100% of the full 5%. This is 5% of the company adding to your salary in reality! Can you say… THANK YOU!
Are you willing to give up $150,000 of free money? Work at a company for 5 years, and give up $16,000 of free money?
Each company is different on the company match, so research yours.
See the chart below of a great visual for someone who has a salary of 50,000, invests 5% into their 401k, receives full 5% company match, with an average 10% rate of return.
| Years | Salary | You Invest | Company Match | Total with 10% rate of return | Without Company Match |
| 1 | 50k | $2,500 | $2,500 | $5,267 | $2,633 |
| 2 | 50k | $2,500 | $2,500 | $11,060 | $5,530 |
| 3 | 50k | $2,500 | $2,500 | $17,433 | $8,716 |
| 4 | 50k | $2,500 | $2,500 | $24,444 | $12,221 |
| 5 | 50k | $2,500 | $2,500 | $32,155 | $16,077 |
| 6 | 50k | $2,500 | $2,500 | $40,637 | $20,318 |
| 7 | 50k | $2,500 | $2,500 | $49,967 | $24,983 |
| 8 | 50k | $2,500 | $2,500 | $60,231 | $30,115 |
| 9 | 50k | $2,500 | $2,500 | $71,521 | $35,760 |
| 10 | 50k | $2,500 | $2,500 | $83,940 | $41,970 |
| 11 | 50k | $2,500 | $2,500 | $97,601 | $48,800 |
| 12 | 50k | $2,500 | $2,500 | $112,628 | $56,314 |
| 13 | 50k | $2,500 | $2,500 | $129,158 | $64,579 |
| 14 | 50k | $2,500 | $2,500 | $147,341 | $73,670 |
| 15 | 50k | $2,500 | $2,500 | $167,342 | $83,671 |
| 16 | 50k | $2,500 | $2,500 | $189,343 | $94,671 |
| 17 | 50k | $2,500 | $2,500 | $213,544 | $106,772 |
| 18 | 50k | $2,500 | $2,500 | $240,166 | $120,083 |
| 19 | 50k | $2,500 | $2,500 | $269,449 | $143,724 |
| 20 | 50k | $2,500 | $2,500 | $301,661 | $150,830 |
| Free $$ | $150,831 |
- Watch your money GROW!
Magic of Compound Interest
July 2015 – July 2016 I was busy paying off the last of my student loans to become debt free and did not contribute much to my Company’s 401k. (If I could go back, I would have at least done a little bit like 3%). In 2017, I started back up heavily, 6%, because I started reading books and articles about the magic of compound interest. I did an experiment with my own investment and want to share with you! In 3 years, look at the compound growth.
- Talk to a Coworker!
My hubby is a great example of this…
When we first met he was not investing into the 401(k), I get you – you are thinking and you married this man?? YES – he challenges me in other areas where I am not strong.
Anyways… I talked about it a little bit to him but knew I could not push it onto this decision. His coworker and my hubby then started talking about it one day at work, and they both started investing into their 401(k) together!
Now, my husband is investing more into his 401(k) and ROTH than I am and it is because a friend talked to him about it.
Do not be scared to talk to someone about investing in their future. They may need you to give them a little boost.
- Invest into your HSA.
Another good piece of investment with your company is the Health Savings Account (HSA). This is where you can place money into a fund where it is tax free now and you can use for medical expenses in the future. My company I work at allows you to keep $1,000 in the regular fund and then you can invest the rest! You know what I do, I invest the rest because why would I risk letting my money sit their doing nothing?
I had an executive who was my boss tell me the greatest advice and I want to share it with you all. He told me, do not spend the money you place into your HSA. You may think you “need it now”, but wait until you are older. You need more medicine, you need more doctor visits, and you can even use it to pay for your Medicare and Medicaid! To this day, I have listened to him and invest it for my future.
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February Budget
Love is in the air. Be wise to your wealth. Love doesn’t have to be shown by material items. Love can be shown in a multitude of ways. Here are some expenses that have caught us off guard in our February budget.
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Leave a Legacy
Top Way to Leave A Legacy on Earth!
Focus on your Journey
Every journey is different.
Our purpose in life is to give to our next generation a better life than we are living. We all go through lessons, hard times, barriers, mountains, and valleys. It shapes our destination on how we react to these moments. Our path in life is not a perfect straight line like people often see on Facebook, Instagram, and Twitter, and to be honest, we hardly ever post a photo or a message about the valleys of tears in our journey.
Often, we worry and are scared we are not doing enough on our journey of life. We constantly compare and judge our success on others achievements.
During our journey, we have valleys, hard times, and challenges that challenge our faith. It is called life.
Everyone has a different footprint and has their own strength.
It is how we wait patiently. To travel on the curve in the road, to get over the mountain, and past it. It is the courage and boldness you fight to win the battle of the mind that is going 100 mph. It is all how you react to your situation on how you will get past the challenging road. Do not believe there are ways to get past the hard time? Well here is some inspiration for you. I was steered to move across the country with only my little car and the material things that I could fit in it, piled up in student loans, with little money saved up, and without a job. It was hard to pick and choose the items that meant the most to me –that is true! Let me tell you I thought it going to be easy to get a job once I moved to the new state but knew this was my next step in life. Then “life happen” began…interview after interview, job application after job application, responses of no’s continuing to come in, and days of weary where I thought to myself why did I get into this mess. Even though I was in this hard time, I realize now I was getting my faith tested.
How I handled the hard times:
- Daily walks around the beautiful nature trails
- Wrote in my journal what I was feeling, how we were going to overcome it, and believing it was going to pass
- Keeping track of every little dollar I spent
- Living cheap with roommates – that now I call family!
Living life forward, but looking backwards.
This is what I learned.
It was a blessing in disguise!
I was just 25 so I was still under my parent’s insurance, my summer of freedom, and instead of worrying about being jobless. It was important to become a better me and focus on how to not get caught up on the no’s of life.
My faith led me to a better career path. Sometimes certain doors we thought would be open; close instantly in our face!
Remember it is how we react to the valleys that will determine how we leave our legacy of greatness.
Be confident in yourself!
When trials come about, do you focus on the negative, shut people out of your life, or even get involved with drugs or alcohol? If you do, let’s think to ourselves. I do not want you to let us know what you do, but reflect on how you are handling this in your life? Why are you handling the valley this way? Is it the same way your parents did? Or did you learn it from the generation before you?
Are you trusting in faith, whatever you believe in this universe that you will get past this valley?
Focus on your strengths and what you can do to make a difference.
Even when our world is going through so much right now, the fights, and killings of this world. We are our own worse enemy. We share this with the next generation.
I want you to become a new you. To be the legacy of great passion, love, and care. To share all the great things life has in stored for us. Remember we can get past the hard times in our journey with a little faith. Every journey is different, and it is how you react to it that will change your life for the better.
Do not get entangled with how much others are doing such as saving, paying down debt, or getting success after success. Believe in your journey.
Leave your own footprint on the earth!
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Meet Me!
Welcome Home! I’m Kailey!
I believe in you! You can be happy and clear a financial mess.
Are you tired of being stressed, overwhelmed, and feeling like you never have enough money?
I am glad you are here! Here we provide practical solutions given to you to get you out of a financial mess. Start budgeting, believing in yourself, paying down debt, and most of all motivate you to reach your own personal goals.
I am living proof you can live debt free and still enjoy life. I have paid off $32,000 in debt, bought a car for $18,000 with cash, and given 10% to God during my journey. I live each day with positive thinking and positive actions. And I know you want to remove the fear of never ending bills, living paycheck to paycheck, and/or just wanting to get on the journey of believing and budgeting in life.
This is Tom, my love, my tiny living sidekick. We met while I was in the middle of my financial journey, and he well was and still is crazy about me. He and I started talking about finances early in our relationship because I wanted a hubby who was willing to be financially stable with me!
My personal routines to continue my success and how I am able to keep going every day.
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Digital Downloads
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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!
GET YOURS TODAY!
1:1 Grocery Budget Coaching
Set up a 1:1 grocery budget coaching session to get a personalized plan on how to save at the grocery store!
$159.00
Free 15 Day Money Inspiration Devotional
Believe And Budget 
