Believe And Budget
Money Talk with The Maloneys
Tag: money habits
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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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 we spent under 10k for our wedding!
This post may contain affiliate links, and they are no cost to you! It’s a girls dream to get married and have a huge wedding that everyone will remember. It is a dream to have beautiful flowers, good drinks and food, and the décor to… Continue Reading “How we spent under 10k for our wedding!”
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10 Things To Do Differently With Your Money This Year!
ou want to eliminate something that you did in 2021 because obviously if you are here you want to improve something in your life in 2022. Maybe, you want to improve your finances for 2022. Let’s load your mind with 10 things to do differently in 2022 with your money.
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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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Preparing for a Baby on a Budget
Surprise! You’re pregnant and now you need to figure out how you are going to afford this baby. I know the feeling of both being surprised and having a plan around when a baby is coming aboard your family. We want to show you that you can have a baby on a budget and be able to enjoy your baby when they come. Let’s jump in a prepare for a baby on a budget!
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10 Ways We Grew Our Net Worth by $99,000 in a Year with One Income and then Zero Income!
If you want to grow your net worth, but don’t know how I would stick around and read below. It is pretty incredible feeling to be able to live off a small income and then zero income. We went from being a family that made $150,000 per year for a year to a family who made $60,000 to a family who made had zero income. We downsized our life and traveled the country and still grew our net worth by $99,000 in 2021. We want to show you 10 ways we grew our net worth so it can inspire you too!
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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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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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