Believe And Budget
Money Talk with The Maloneys
Tag: debt free community
What is the importance of building an emergency fund?
Everyone has their own experience with money, and I can only tell you from what I have actually experienced my self. I am going to tell you nice and loud that it is so important to have and build an emergency fund. If you take out of your emergency fund, build it back up. The storm will happen. It has happened to us. It has happened to our friends. It has happened to everyone because we are human. Let us tell you a secret you will be able to be safe and self-insured that you won’t have to get into more debt or get into debt at all.
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What to do at George Washington National Forest While Staying on Budget!
Traveling you know is our favorite part of life and our dream adventure. We are going to do these posts more often to share our RV tiny living travels. We will share what we love. Hopefully to inspire you to travel and enjoy the life you have on this earth. Here are the 6 things we loved at George Washington National Forest and hope you find yourself adventuring here too!
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Budget Ready, but I am still failing at my budget
Ever spend all weekend getting your budget ready for the new month, only to have it all fall apart again by day 3 of the month? The realness is that if you are struggle to keep your budget together, there is likely many things coming against you. Here are the 5 biggest reasons you cannot stay on budget (and what to do about them!)
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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 to Transition from Home to An RV?
We live tiny, and it was our dream! We are living our dream, and I want to share the process with you, because you are probably here wanting to know the how, what, when, where, and so on about living tiny. So, we are going to deep dive into 5 ways to make transitioning from a home to an RV easier.
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10 Ways to Save Money for Halloween!
Don’t have a bunch of money to spend for the holiday? Why over think it with an expensive holiday bust for your budget? Here are 5 ways to save money plus 5 extra bonuses including quarantine halloween!
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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 Money Books Will Change Your Life Financially!
Do you wonder if it is possible to read 5 easy to read books to move your finances forward? This post will show you the 5 books that have taught over millions of people how to be on their way to a millionaire. Take the stress out of finances! Plus Christmas is just around the corner — add them to your list!
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Let us tell you 5 ways to create a new life for you.
During the scary pandemic, when we thought it was the hardest. Locked up in our tiny home with no friends, huge debt, and two jobs. He told us, Kailey, you should stay at home with your child and not go back to work. I put all my faith and trust in him telling him even though I didn’t know how we would pay off our debt in one year, but with God all things are possible. I stayed positive. I stayed faithful. I stayed talking to God daily. Ask my husband my journal was full in less than a year. I was building a closer and closer relationship with him.
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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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