Believe And Budget
Money Talk with The Maloneys
Tag: money habits
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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5 Ways to Build Your Credit Score
Do you want to learn how to increase and build your credit score, but don’t know exactly where to start? I have some realistic and practical ways for you to do it. I am living proof you can raise your credit score. I have done it. I have helped people do it and I want to show you through stories to help you know you can build your credit too for your next big purchase whether it is a home or a second home.
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Refresh Yourself. CREATE BETTER GOALS.
Want to set new years resolutions for 2021? It does not always have to be physical wellness like setting up a gym membership and losing weight. What if it looked different this year and you set goals for your financial wellness? We have just want you need for your new years resolution for 2021 to get you financially fit!
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Need help with your next shopping trip and your budget?
Shopping is a habit for many people. It gives you joy. It gives you an emotional healing. It gives you happiness, but sometimes our shopping habits become out of control. Do your shopping habits become addictive? Do you do it out of emotions? Do you do it out of a bad day? Well good for you, you can learn from us these three easy ways to help you on your next shopping trip and your budget.
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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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How it feels to have paid off your home
Ever feel like you cannot reach your money goals? We understand! We had been in exactly your shoes, and unfortunately we did not have anyone to really see that this is possible. No one in the tiny living community lives a budget life that we found during the middle of our journey. We tell you about our journey and how it truly feels once you have a home paid off!! We will show you how and why not to give up on your goals!
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The Importance of Taking Action With your Money if you are a Women!
The “Mom Recession” in 2020 was real. I am here to admit that I am a part of this group, and left my job to be a stay at home mom with my 3 months old baby. She is now over a year and I will have to say I am so glad I took action with my money when I did when I was younger to be able to make our family be in a situation to be able to afford to do this. Let me show you these important action items to do with your money if you are a women, and well if you’re a man most likely you are already doing these things.
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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 
