It's Mother's Day, a time to celebrate you wonderful women. Especially you, my single moms. I'm proud of you for holding all the pieces together, especially when there are too many to hold. Have an amazing mother's day. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
El Sexto Paso es Eliminar tu hipoteca... Sabemos que la mentalidad hoy dia es que seria imposible. Con las casas aumentando de precio y la taza de interes subiendo te sientes que nunca terminarás de saldar tu hipoteca. Pero si puedes. Nosotros lo hicimos. Y tu también puedes. Imaginate si tu pago mensual es $2,500. Ese seria tus ahorros mensualmente al eliminar tu hipoteca. Utilizando el método de la bola de nieve. Lograrás este pazo. Se supone que si utilizastes los primeros pasos ya tengas bastante dinero libre para hacer pagos adicionales directo al principal de tu hipoteca. Con esos pagos adicionales eliminaras la mayoría del interés de tu hipoteca. Y podras saldar tu casa mucho antes de los 30 años por el que firmastes. Comunícate con nosotros y te ayudaremos lograrlo. #ahorrardinero #presupuestos #comprarcasapropia #ahorrar #ahorros #finanzaspersonales #pagardeudas #saldarladeuda #mamassolteras #madres #madresemprendedoras #frugalmom #puntajedecredito #prestamoestudiantil #deudas #richardgarciaoficial #mamalatina #mgyouthh #sharicalveti #boricuas #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #ayudafinanciera #culturafinanciera #finanzasparamujeres #saludfinanciera
I'm in TX and today God will remind us who He is. PSALM 19:1-4 #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
El quarto paso de tu paz financiera es invertir. Esto seria 15% de tu ingreso en un 401K o en una Roth IRA. Ya que tienes tu fondo de emergencia y eliminaste tus deudas, tienes que prepararte para tu futuro. Porque el 15% de tu ingreso? Porque atravez de los años tendras inflación y la bolsa de valores sube y baja. El 15% te ayuda a cubrir los cambios mientras tu dinero continua creciendo. LAS INVERSIONES SON PARA TU FUTURO! Tienes que pensar en el día que ya no puedas físicamente trabajar. Sea en tu negocio o para una compañia. Ese dia tarde o temprano te va a llegar. Cuando te llegue como vaz a cubrir tus gastos de vivienda? Utilizarás tus inversiones. Comunicate con nosotros para mas información. #ahorrardinero #presupuestos #comprarcasapropia #ahorrar #ahorros #finanzaspersonales #pagardeudas #saldarladeuda #mamassolteras #madres #madresemprendedoras #frugalmom #puntajedecredito #prestamoestudiantil #deudas #richardgarciaoficial #mamalatina #mgyouthh #sharicalveti #boricuas #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #ayudafinanciera #culturafinanciera #finanzasparamujeres #saludfinanciera
El tercer paso de paz financiera es ahorrar de 3-6 meses de tus gastos de vivienda. Este paso es crucial. Este paso es el que te mantiene en paz durante tiempos de crisis. Especialmente cuando te quedas sin empleo o te deshabilitas físicamente. Este fondo te compra el tiempo que necesitarás para conseguir otro empleo o recuperarte. ($3,000 mensual × 6 = $18,000) Ya que elimines tu deuda, tendrás suficiente dinero libre para completar este paso rápidamente. Comunicate con nosotros para mas ayuda con tus finanzas. #ahorrardinero #presupuestos #ahorrar #ahorros #finanzaspersonales #pagardeudas #saldarladeuda #mamassolteras #inversiones #frugalmom #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #mamalatina #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #ayudafinanciera #culturafinanciera #finanzasparamujeres #saludfinanciera
El segundo paso de paz financiera es eliminar tu deuda. Te sugiero que hagas una lista de toda tu deuda (tarjetas de crédito, auto, préstamos personales, etc) -Comenzando con el balance mas bajo. -Le daras doble el pago minimo (ie. $50 mínimo + $50 addicional = $100). -Hasta que se elimine esa deuda. -Las demas deudas solo recibirán el pago mínimo. -Asi continuaras con toda la lista hasta que las elimines todas. Claro esta, que durante este proceso, no puedes adquirir mas deuda. De esta manera, dependiendo la cantidad de deuda que tienes, te tardarás aproximadamente de 1.5-4 años en eliminar toda tu deuda. Comparando a si lo hacés como dicen los contratos, es la mejor manera de lograr tu paz financiera. Comunicate con nosotros hoy para mas ayuda financiera. #ahorrardinero #presupuestos #comprarcasapropia #ahorrar #ahorros #finanzaspersonales #pagardeudas #saldarladeuda #mamassolteras #inversiones #frugalmom #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #mamalatina #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #ayudafinanciera #culturafinanciera #finanzasparamujeres #saludfinanciera
El primer pazo de paz financiera es construir tu fondo de emergencia. Ideal deberías tener minimo de $1,000 a $2,000 dollares en una cuenta de ahorros. Esto es para cubrir cualquier emergencia que te surja. (Visita al hospital, remplazar una goma/llanta, pequeña reparacion en su hogar, etc) Para mas ayuda con tu finanzas comunícate con nosotros hoy. #ahorrardinero #presupuestos #comprarcasapropia #ahorrar #ahorros #finanzaspersonales #pagardeudas #saldarladeuda #mamassolteras #inversiones #frugalmom #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #mamalatina #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #ayudafinanciera #culturafinanciera #finanzasparamujeres #saludfinanciera
In our defense, the bank was closed... Last night we went out for our monthly date night. Very rarely do we go downtown, just because places seem to be busier, more expensive and parking is limited. But our son had recommended a place (Serious Pizza) that was reasonably within our budget. It had been a rough work week for both of us. We decided to check it out. We arrived and as usual the parking lot was full. Street parking was full as well. But there was a bank nearby, with plenty of parking space available. Since it was evening and the bank was closed. We parked there. We enjoyed our dinner and had a really good time. But as we walked back towards the bank, we noticed our car was gone. At first we thought someone had stolen it. But then we noticed 2 guys standing in front of a sign and one was on the phone very upset. Yes, you guessed it. It was a "your vehicle will be towed" sign. So needless to say, our $40 budgeted date night has now turned into a $450 nightmare. Not what we want to use our emergency fund for. We are grateful that we had the funds available to resolve this issue (and get my baby back home safely). Now, you might say, this could have been avoided and that we should have known better, etc. And you're right, But this is how life sometimes is. You get yourself into a situation that costs you more than what you had budgeted for. And since you don't have an emergency fund, you get into more debt. These and many other reasons is why we push you to set up your emergency fund quickly. If you don't have one yet. Start it today. We are however still upset about the tow. What do do think? Should we have gotten towed? #budgets #debtfree #debtfreecommunity #budgetstyle #savings #savingmoney #personalfinance #payoffdebt #singlemomlife #singledad #buildwealth #investment #creditscore #moneyhacks #moneymindset #dinero #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #finanzaspersonales
How does voting affect your finances? Voting for representatives that align to your financial goals and future matters. It will affect laws in your community that will either help you financially or hurt you. -Taxes -Education -Zoning -Rights Early voting starts today. This is the time to make your financial voice be heard. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
BIDEN - Bueno o no, el plan que destacaron para 3.6 millones de personas que esperaban que le perdonaran su deuda estudiantil es una mentira. Muchos se cambiaron del plan original con sus deudores para un plan de pago basado a su ingreso. El cual obligara a este grupo de personas a quedarse en pobresa para no tener que comenzar hacer pagos a sus préstamos estudiantiles. (Es parte de la calculacion de cualificaciones) Este es el mismo systema de esclavitud que diseñaron con el systema de asistencia publica. Limitar tus opciones, por recibir una sanaoria... No es suficiente para vivir bien. Ahora tienes que mantenerte pobre, aun teniendo la educación para emprender y hasterte rico. Solo para cualificar para este programa. Y te pregunto, en realidad te ayudo Biden? La realidad es que vas a tener que pagar. Sea alante o sea al final. Y creeme, al final siempre te cuesta mas. Comunicate para planificar como liberarte de tu deuda estudiantil #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #clasesdefinanzas #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #ingridrosario #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #AyudaFinanciera #culturafinanciera #finanzasparatodos #saludfinanciera
How did 2023 treat you? For us 2023 was bitter sweat. It was filled with as many challenges as there were blessings. We were able to reach some of our goals. But others due to personal family challenges were set aside for another time. We are honored to have served you with financial coaching and events this year. And we hope that 2024 will bless us with the opportunities to continue to serve our hispanic community. To empower single moms and young couples with Financial Literacy which provides freedom and peace in your home. We are here for you in 2024. Happy New Year! #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
Feliz Navidad! Gracias por todo el apoyo durante este año. Les deseamos unas Navidades llenas de amor, paz y gozó. ♥️ #ahorrardinero #presupuesto #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #inversiones #clasesdefinanzas #viajarsindeuda #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #AyudaFinanciera #culturafinanciera #finanzasparatodos #saludfinanciera
La Navidad sin presupuesto te lleva a la deuda en el 2024. No permitas que el comienzo de el 2024 este lleno de arrepentimiento y estrés por causa de la deuda que adqueristes estas Navidades. El valor verdadero de tu familia esta en el tiempo que compartas con ellos y no en los artículos que les compres. Regalales tu amor, tu paz y tu alegria. Estos duran mucho mas en sus corazones. #ahorrardinero #presupuesto #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #clasesdefinanzas #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #ingridrosario #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #AyudaFinanciera #culturafinanciera #finanzasparatodos #saludfinanciera
El autosabotaje es emocional... O sea, no estás dispuesto a pagar emocionalmente lo que requiere esa meta/sueños. Aprende a amar tus metas/sueños. Solo cuando te enamoras haces todo lo posible para lograrlo. Cueste lo que cueste. En el presente están tus prioridades. Que estas haciendo en el día de hoy? Esa es tu meta, tu sueño? No! Pues eso es el autosabotaje. Date el espacio para clarificar tus metas/sueños. Escribelas y comienza a enamorarte de ellas. Tu dices, solo necesito fuerza de voluntad. Pero para que? Para hacer las cosas que en realidad no son metas/sueños para ti. No se trata de fuerza de voluntad. Se trata de amor. El amor es el que puede mover montañas, y elimina las excusas y distracciones. Sobre todo el amor vence! Comienza a cultivar el amor que tienes para tus metas/sueños hoy. Paso a paso comienza a darle prioridad y espacio con tu tiempo diariamente. Te deseo que el año 2024 sea el fin de tu autosabotaje y que el amor de tus metas y sueños triunfen! #ahorrardinero #presupuesto #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #clasesdefinanzas #viajarsindeuda #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #ingridrosario #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #AyudaFinanciera #culturafinanciera #finanzasparatodos #saludfinanciera
Somos Reyes Financial Coaching! Aqui para servirte Cuando tienes problemas con tu auto, lo llevas al Mechanico Cuando te duele un diente, vaz al Dentista Cuando se te daña la plomeria, llamas a el Plomero Si tienes problemas financieros, llamanos o mandanos text Aqui estamos para ayudarte. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #inversiones #clasesdefinanzas #viajarsindeuda #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #ingridrosario #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeando #konklma #finanzasconrey
And he answered, It's Christmas season, who needs a budget? This was my husband's response when I asked him if the truck was in the budget. Unfortunately this is how unconsciously you shop in December along with most of America. The joy of the season. The lights, trees and wreaths in the atmosphere. All these factors make it easier to spend outside of your budget. Here's one strategy that may help you stick to your budget: -Make a list of ALL the things you want to include in your household during the Christmas holiday, especially the gifts. -Then have the person in your family that shops cheap, stingy and rational do all the shopping. You'll be surprised by how much of the list gets purchased and also how much you save. Especially when you realize you stayed within your budget. Reach out to us for financial coaching sessions to help you live financially free. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
Family and the Thanksgiving Holiday... Don't get caught up in all the ecpense and perfections of setting the Thanksgiving dinner table. Instead focus your attention to those who sit at your table. +Provide the Bird and make it a "sides" potluck +Split the cooking and have a progressive Dinner. (Fingerfoods 1st house, entre in 2nd house, dessert and drinks in the 3rd house). These tips will help you save money, release holiday stress and make wonderful memories. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
Pay yourself first?... You see all these types of posts that say you should "pay yourself first" before you do anything else with your money. And you ask yourself, how can I do that if I can barely pay my bills. Well, I can honestly tell you that unless you set up a spending plan, the "paying yourself first" will never happen. The best way to set up your spending plan is to first look at where and how you currently spend your money. How else will you know if you just need to cut back on some of your expenses or if it's time to spruce up your resume to look for a different job to increase your income? Or temporarily start a side hustle. Just because it may appear like you're unable to pay yourself first right now, it doesn't mean that's how it will be for the rest of your life. It's your life. You determine how you want to live it. Also, keep in mind that "paying yourself first" will look different for everyone. For all my single moms out there, paying yourself first may look like just saving $5 weekly. And that's OK. Don't get discouraged by the amount you're able to save at this time. Be encouraged that you are starting and modeling a great habit for your kids to follow. As you walk out your spending plan, those $5 will eventually increase to hundreds of dollars in your future. Don't compare your current financial status to others. You are in your own financial journey. Stay on your path to financial freedom. If you need some guidance, reach out to us, and we'll help you strategize your financial plan. #budgets #debtfree #debtfreecommunity #budgetstyle #savings #savingmoney #personalfinance #payoffdebt #singlemomlife #singledad #buildwealth #investment #creditscore #moneyhacks #moneymindset #dinero #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #finanzaspersonales
WE DID IT! We are very excited. We have been on this financial freedom journey for the past 7 years. And while being the sandwich generation. For those of you that your parents never learned how to manage their finances, and you have teenage or young adult kids that financially depend on you; You understand what being in the middle means. While you're trying to financially thrive yourself, you provide the money to help your parents with their unexpected expenses and also financially provide for your kids. I can tell you that even though its a challenging situation. You can still thrive financially. We decided it would be better for us to sacrifice for 7 years. Budget and Save everything we could to stick to our financial goals. -We are currently completely debt free -We have a fully funded emergency fund -We are both Investing in a company matched 401K -And today, proud owners of our paid in full home. As impossible as it might seem at times, we encourage you to continue your financial race. Don't give up. Connect with us and You too can reach your financial goals. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
New or Used? I recently upgraded my truck. I had driven my truck for 20 years. It was time to upgrade, especially since I could do so with a cash purchase. In this economy you might ask how I was able to do this. It's this simple: I calculated approximately how much money I saved by not having a car payment during 15 of the 20 years I owned my truck. Just in monthly payments, I had saved $63,000.00. ($350/monthly x 15 years). Technically it would have been more because on average car payments have been approximately $500-$700 per month in the past 7 years. But because of the wear/tear, and maintenance throughout those years, I kept my calculation at the $350 amount. You too can do the same. New is not always better. With a good emergency fund in place you can tackle any minor repairs and maintenance for your debt free car. And save your money for whenever the motor or transmission gives out and it's time to upgrade. For more tips like this, you can reach us at [email protected] We would love to connect with you. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
We had an amazing time sharing financial tools to prepare the youth at Refugió Eterno for college. We brought clarity to questions on how to avoid student loans, ways to save for college and even set up a budget to pay for housing and meals. I was truly blessed to empower this future generation of entrepreneurs. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
Chop down your debt. I encourage you to stay on course and continue to eliminate your debt. Don't get distracted by all the noises in your head. Chopping off one debt at a time until there's nothing left is the way to do it. The freedom you will have once you're done, is worth the effort and sacrifices you are making now. Stay strong. You will be free from debt! #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
SOMETIMES DOING NOTHING, IS DOING SOMETHING... Not reacting to all the noise around you and the voices in your head, will keep you on the road to financial freedom that you are on. Don't move. Stay on coarse. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
With the same mindset (because I like it, I want it and I deserve it) you choose to SPEND your money on prime days, you should INVEST your money. Start today! #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
Happy 4th of July. Or should I say freedom day. Either way, be free to live in peace with yourself and those around you. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
6/2023 - La corte Suprema hablo! Los préstamos estudiantiles hay que pagarlos. Si no aprovechastes de pagar durante los ultimos 3 años a zero interes el principal de tus préstamos estudiantiles, Y necesitas ayuda para configurar un plan de pagos, personalmente adequado para ti, comunicate hoy. Aqui estamos siempre para servir tus necesidades. #ahorrardinero #presupuesto #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #inversiones #clasesdefinanzas #viajarsindeuda #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #AyudaFinanciera #culturafinanciera #finanzasparatodos #saludfinanciera
Do your planning and prepare your fields before building your house. Proverbs 24:27 You are in the season of house buying. Smart planing is for you to purchase a home that will be sustained by your budget. If it doesn't right now, its ok to wait. While you wait plan the details and save. follow us for more financial tips. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
To all the dads that hussle and grind for their family. And deposit wisdom into your children. Happy Father's Day! #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
Que tu crees? Lo compro o me espero? Solo con un buen plan de gastos sabrás la contesta de esta pregunta. No hay necesidad de limitarte. Puedes simplemente ajustar tu plan de gastos para hacer cupo a las cosas que te gustan. Síguenos para mas ayuda con tus finanzas. #ahorrardinero #presupuesto #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #inversiones #clasesdefinanzas #viajarsindeuda #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #ingridrosario #mgyouthh #sharicalveti #boricuas #boxeo #realredimi2 #callejeandopr #konklma #finanzasconrey #AyudaFinanciera #culturafinanciera #finanzasparatodos #saludfinanciera
PAYMENTS WILL START ON AUGUST 30, 2023. If the student loan debt relief program has not been implemented and the litigation has not been resolved by June 30, 2023. Review your student loans and begin strategizing on how to pay. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy #FinanceTips #FinancialLiteracy
What is an emergency for a single mom? As a single mom everything can be an emergency. Because a one income household with little ones when things happen, there's no one else there to help cover the added expense. Clothes and shoes they outgrow in the middle of a school year, materials for school projects, a broken backpack, music class instruments, art supplies, sports equipment, field trips, etc., they all become emergencies. While you try to cover your four walls (shelter, food, transportation, clothes), it's very difficult to think about these extra expenses. But because of these issues and thousands more. You more than anyone else need an emergency fund. We know it's hard. But you can do it. Look at everything you're already doing well by yourself. Start saving today. Even if all you can do is $5 a paycheck. And then increase it as you creatively work on your budget. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #fluffyguy #FinanceTips #FinancialLiteracy
Nuestro taller "Dinero A Tu Manera", fue un gran éxito. Logramos colaborar con GDA Contractors, una de las mejores empresas para el empleado hispano. Nos invitaron a compartir las siguientes herramientas financieras: -El PODER de los Ahorros -Las mejores Inversiones -Como eliminar la Deuda También nos divertimos mientras los empoderamos a montar un presupuesto y como triunfar financieramente en este pais. Gracias por la invitación. Communicate hoy si te gustaría que colaboremos con tu empresa. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #inversiones #clasesdefinanzas #viajarsindeuda #frugal #puntajedecredito #prestamoestudiantil #saludfinanciera #richardgarciaoficial #finanzasparatodos #mgyouthh #sharicalveti #boricuas #culturafinanciera #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey #AyudaFinanciera
Cada centavo cuenta? Si quieres ir de vacaciones este año, comienza ahorrar desde hoy. Los tickets del avión Los hoteles, airbnb, etc Los autos rentados La comida Estas cosas son comunes en casi todas tus vacaciones. Pero, me he dado cuenta que por más que prepare el presupuesto de vacaciones, cuando llego al lugar siempre aparece algo por el cual gastamos que no estaba en el presupuesto. Sea una atracción, un articulo que se olvido en la casa, vestimenta o algo inesperado que nos sucede. Por estas razones te sugiero que añadas un cojín de $200-$500 a tu presupuesto de viajes. Si terminas no utilizándolo, al terminal las vacaciones, lo puedes añadir a tu fondo de emergencia. Communicate con nosotros y te ayudaremos triunfar con tus finanzas. Reyesfinancialcoaching.com #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #inversiones #clasesdefinanzas #viajarsindeuda #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #ingridrosario #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey
Time Square knows the importance of time, do you? Starting to invest, save and get out of debt takes time. I suggest you start now. The sooner you do, the greater is your reward. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
April is Financial Literacy month. Are you ready to tackle your goals for the rest of this year? We are putting the finishing touches on a new workshop we've put together. This new tool will ensure that you will reach your financial goals this year. In April you began a new quarter. You should be taking another look at the financial goals you set for this year Are you on the correct path? Do you need to make adjustments? Are you feeling good about it? Did you set guards around it to avoid over spending in the summer? Let us know what stood out in your goals for next quarter. Or contact us for further assistance with your concerns. #debtfreecommunity #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
Los hombres y sus juguetes! Explícame por que cuando le dije a mi esposo que voy a comprar un auto para retirar mi guagua vieja. El comenzó a buscar BMW X7, Land Rover Range Rover, Cadillac Escalade y Mercedes GLS. A cuantos de ustedes les a sucedido esto? Deje que soñara un rato y luego le recordé. Tu dinero es para invertir en cosas que aumentan en valor y te traen ganancias. No en cosas que disminuyen en valor-cómo los autos. También le tuve que recordar. La cantidad para asegurar esos autos y los gastos del mantenimiento son sumamente costoso. Tienes que mantener el costo de tu auto dentro de 10%-15% (incluye el seguro y gasolina) de tu presupuesto mensual. Espero que esta información te ayude tal como nos ayudo a nosotros. comunicate hoy si quieres mejorar tus finanzas. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #inversiones #clasesdefinanzas #viajarsindeuda #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #richardgarciaoficial #ingridrosario #mgyouthh #sharicalveti #boricuas #boxeo #fluffyguy #realredimi2 #callejeandopr #konklma #finanzasconrey
So what do you do on your wedding anniversary? You can always shoot things up. If you look around your community there is always something new/different you can do to spice things up and not blow up your budget. We had a great time and remained on course with our financial journey. You can too. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
Are you a foodie like me? Do you enjoy eating out, trying different kinds of food or restaurants? I do too. Especially if I'm with friends. This is hard to do when you're on your financial journey. But not impossible. Try doing this. -Put a line item in your budget for it -Cut out negotiable items from your budget -Go over to friends homes for dinner instead of going out. -Go out for dessert instead of dinner -Meet for lunch instead of dinner #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
Last night the engine light on my truck lit up. Sometimes I wish Forrest Gump was wrong. Especially during the Christmas and New Years break. The last thing you want to do is spend more money. An Emergency Fund will take care of the unexpected things life brings your way. You may get interrupted but you won't make a financial detour. If you currently don't have one. It's never too late to start one. Begin yours today. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #finanzasconrey #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
May you celebrate with family and friends The birth of our Lord Jesus every day. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
Gift Cards anyone? Have you gotten a gift card from a place you never eat or shop at? Well, did you know you can use those gift cards to buy a gift for the office Christmas party? Or for those many white elephant friends and family gatherings during Christmas. Or better yet, surprise a stranger by re-gifting the card to them this Christmas. Whatever you decide to do, don't let those gift cards go to waste. They can be re-gifted to help you stretch your Christmas shopping budget and bring you joy. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
How many White Elephant parties do you go to every Christmas? On average we go to 4 White Elephant Christmas parties every year. This can really mess up your budget. Here's a tip that will help you participate in all of them and not hinder your budget. We either buy one gift or pull out last year's White Elephant gift from the closet. Wrap it and take it to the first party. Whatever gift we end up with at that first party we wrap and take to the second party and so on until the last party is over. There's no reason to stay home just because you have to take a gift to every party. By doing this, we have lots of fun participating in all the Christmas parties and save money. You can thank me later. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #frugal #investments #creditscore #wisdom #moneymindset #debtfreetravel #studentloans #konklma #callejeandopr #realredimi2 #mgyouthh #richardgarciaoficial #ingridrosario #mielsanmarcos #sharicalveti #jjdaboss #mannypacquiao #boxing #fluffyguy
We won! Did you? We not only survived, Sneak peak sales and Thanksgiving sales. But we also beat the Black friday sales events too. Staying focused on the importance of being debt free and building a legacy, helped us to not get tempted by all these sale tactics. December challenge for you: Beat the sneak peak Christmas sales and last minute impulsive purchases. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #debtfreetravel #realredimi2 #richardgarciaoficial #ingridrosario #mielsanmarcos #moneymindset #montesantooficial #jjdaboss #mannypacquiao
Why didn't I do it? "Maybe I should have listened to Reyes Financial Coaching. They said to set up a line item on my budget to payoff my student loan months ago". But, there's still time to set up a plan to pay it off-just contact us. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #realredimi2 #richardgarciaoficial #ingridrosario #mielsanmarcos #moneymindset
Are you scared?.. October can be a scary month for your budget. It's the month that kicks off the start of the end of the year. Next to summer, the end of the year brings additional fun experiences that can sabotage your financial freedom journey. Pumpkin patches, yard decorations, costumes and parties are just a few of the additional expenses in the month of October to watch out for. These three tips can help you stay within your budget while enjoying the extra festivities this month. + Free Community Festivals: Check with your city for community activities that are either free or by donation to participate in with your family. + Yard decorations and costumes: Try purchasing costumes or materials at a thrift store to decorate and create unique costumes for your family. + Parties: Choose to attend a party instead of hosting one. It's cheaper to bring one item to a party than to purchase tons of items to host your own. It's also less tiring since you won't have to set up or cleanup afterwards. Remember, your goal is to be financially free. But that doesn't mean you can't have any fun thruout your journey. As long as you put it in your budget October doesn't have to be scary. Enjoy! #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #realredimi2 #richardgarciaoficial #ingridrosario #mielsanmarcos. #moneymindset
Grindng like an OUTLAW! JJ Da Boss & Precious from "Street Outlaws-Memphis" have taught us that one of the best things about having your own business is when you get to do it with family. Sure there may be some bumpy roads, and a couple of crashes along the way. But when the cheddar comes its more rewarding to share it with the ones you love. Stay in the race together as you will soon cross the finish line to your financial peace victory. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #realredimi2 #richardgarciaoficial #ingridrosario #mielsanmarcos
Quieres claridad con tus finanzas? Si te cientas con calma a desifrar y remover todas las cosas que te oprimen o distrae; Lograrás ver con claridad la solución para salir del caos financiero en cual te encuentras. Activate hoy un plan plan de gastos que te ayude a vivir en paz financiera. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #sharicalveti #fluffyguy #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgyouthh
Estas preparado para el fin de tu viaje en este mundo? Dejaras una legenda de amor y paz financiera? O será una legenda llena de dolor y caos? Esta es mi tía. Hoy mientras la visitaba estuvimos hablando de que sucederá cuando ella llegue al fin de su viaje en este mundo. Ella me dijo que gracias a Dios ella tiene todos los documentos en orden para su partida. Incluyendo el dinero necesario para cubrir todos los gastos del funeral. Y por eso sus herederos durante un tiempo emocional y extremamente dificil tendrán paz el saber que estos arreglos ya fueron decididos. Ella es una mujer sabia. Tu también deberías hacer lo que hizo ella. Comienza con estos tres simple pasos. 1-Consigue un seguro de vida que cubra por lo menos tu funeral. (Si tienes niños menos de 18 años: suficiente para remplazar tu ingreso anual hasta que ellos sean adultos). 2-Testamento claramente indicando los areglos del funeral y la distribución de la herencia (quien, que, como y cuanto). 3-Identificar y notificarle a la familia quien sera el ejecutor de el Testamento. (Evitará discusiones y desacuerdos). Tu puedes dejar una legenda de amor y paz financiera para tus herederos. Comienza hoy. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #sharicalveti #fluffyguy #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgyouthh
Tuvimos un tiempo muy divertido en el taller "Dinero a medida que Crezco" Pudimos depositar cemillas de sabiduría del manejo de su dinero. Los niños aprendieron - que es el dinero - los distintos métodos de pagar - como conseguir dinero - como Dios les pide que manejen su dinero. Muchas gracias a todos los voluntarios que nos ayudaron a servir a la próxima generación. Por su servicio el taller fue un exito. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #sharicalveti #fluffyguy #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgyouthh
Will the Biden Student Loan Forgiveness get delayed? GOP state attorneys general and conservative groups are weighing legal challenges against President Biden's decision to cancel between $10,000-and-$20,000 in student loan debt for some Americans. Unfortunately, statements like these have and always will continue to keep the student loan crisis IN crisis. My suggestion to you is that as you make financial decisions for your student loans. Focus on the facts. Fact: there is a deadline for the student loan repayment pause to end (12/31/22). Fact: The student loan repayment will start in January/2023. Fact: For most of you the loan forgiveness is not enough money to completely cancel your student loan. Fact: A Biden loan forgiveness application will be available sometime in October 2022. Fact: The process for the forgiveness approval takes 4-6 weeks. Basically, hope for the best. But prepare for the worse. By setting up your repayment plan now and if the loan forgiveness comes treat it as a bonus. First: Log into your student loan service provider portal. (It's been a while). Make sure you can successfully log in before the 2022 pause deadline. Second: Review your loan balance, interest and what your minimum monthly payment will be on 1/2023. (without the loan forgiveness) Third: plan/prepare to start making your loan payments in January/2023. Put a line item for it starting with your January budget. Fourth: If your income is unable to support your minimum monthly payment requirements-apply for federal programs with your student loan provider. Fifth: When and if an application for the Biden loan forgiveness comes, Apply for it immediately. As always, I hope this info helps you with your debt free journey. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Don't get fooled into the hype that your student loans will be forgiven. About 43 million federal borrowers still owe a total of $1.6 TRILLION worth of college debt. Student loans is a business just like any other lending institution. It's in business to make money. Ask yourself. If i owned a bank and I lent out $1.6 trillion how can I remain in business if I told the people who borrowed the money that they didn't have to pay it back? I would go bankrupt and no longer own a bank. My business would collapse. How then can you believe your federal loans will be forgiven or wiped out? Stop listening to the hype and look at the facts. It's almost impossible to qualify for the current programs available. Im certain whatever they come up with next will be just as hard. Currently these are the only 3 qualifiers for your student loan forgiveness: 1-Total & permanent disability discharge 2-Public service loan forgiveness 3-Closed school discharge If none of the above apply to you. Then start making a plan to pay off your student loans. It's the best proven way to get rid of them. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos #generaciongracia
“I caught a fish, I caught a fish, I caught a fish, hey hey hey hey!” What a rush, reeling in a mysterious fish from the ocean. We made fresh ceviche with Adams Cero Makerel. We had to put the Baracudas back though. Looks at those teeth!!!! @adam_buchanan @renabayley @brianl.bayley #konklma @jukai.s thanks for the fun
Tu, eres como la tortuga? Ella siempre gana. Por que? Ella se mantiene enfocada en su carrera y no en la de los demás. Manten tu vista en tus metas y tus deseos financieros. No te distraigas con lo que están haciendo los demás. Permanece en tu caril. Son tus sueños y tus deseos financieros. Solo tu sabes lo que te tiene que costar para hacerlos una realidad. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #sharicalveti #fluffyguy #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgyouthh
As your cost of living rises. You might have to live like the dinosaur era. Hunt for food, stay indoors and save your money. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Don't get stuck in the same financial cycle as everyone else. (Work, Pay bills, Add more debt, Work some more to Pay more debt). Start moving into financial freedom by simply adding a savings line item to your spending plan. Every time you get paid set aside an amount of money and put it into your savings account. In the beginning, it doesn't really matter how much that amount is. Your goal is to break the cycle and get unstuck. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Dead dreams or a new path? When life interrupts your plans and goals. And it seems like you wont accomplish your dreams. You may need to stop, reevaluate and take a different path. The most difficult part will be to let go of the way you envisioned your journey would be. And if it's a long time dream it will be harder to surrender it to the new path. Two years ago we sat down and wrote out a plan. A plan that would speed up our financial freedom journey. We set dates to our deadlines and started to unravel and develope our plan. At first things were running smoothly. But then the pandemic hit and my mom died from Covid-19. Our lives changed forever. And our dreams came to a hault. As 2022 unfolded we decided to move forward with a different route towards our dream destination. The path that we chose to take now does not feel or look the same as our original plan. The process is scary and requires a lot of faith to develop it. But we trust that we will accomplish our financial goals thru the path that we chose. And for our dream to become a reality. If you have felt stuck and your dreams were haulted, we hope that you too will draw up new plans and/or set new goals to accomplish your dreams. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Por que aveces en negocios, tienes que moverte en distintas maneras! Redimido y que!!! #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #sharicalveti #fluffyguy #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgyouthh
2022 Student Loan Cancellation: This cancellation applies to all those who attended schools operated by the now-defunct Corinthian Colleges (Everest, Heald and WyoTech), due to deceptive advertising and other fraudulent acts. If you did not attend these Colleges, then you will need to continue to pay your student loan debt. Do not allow yourself to get distracted by the hype of what might happen or not happen. Stay on course with your debt free journey. I suggest for you to set up a line item in your budget to aggressively payoff all your debt including your educational loans. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investments #fluffyguy #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgyouthh #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Why should you downsize in order to grow? With the increasing costs of living expenses, you may face the hard decision to temporarily get rid of things you hold dear. -For you it might mean getting rid of the big house and move into a smaller place in order to remain in the neighborhood you enjoy. -Or you might need to downsize from an 8 cylinder gas guzzler into a 4 cylinder hybrid vehicle in order to save on gas and insurance. -You might also need to get rid of some of your toys (motorcycle, boats and/or club/gaming memberships) in order to increase your income and decrease your expenses. These decisions in no way mean that you failed. On the contrary, you are temporarily repositioning yourself in order to continue growing and become financially successful. I encourage you to do whatever you have to do. For it is in the pivoting that we avoid getting stuck and therefore succeed. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investing #investments #sharicalveti #fluffy #frugal #creditscore #studentloans #callejeandopr #konklma #mgjovenes #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
"May the 4th be with you" HAPPY STAR WARS DAY! In your financial freedom journey you must get in touch with the strength within you in order to continue to succeed. Sometimes that's the only force that will move you forward. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investing #investments #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgjovenes #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
How does inflation determine where you work? If inflation is up by 7.5% it means your salary may no longer sustain your household expenses. -You would need for your current employer to give you a pay raise at that percent. -Or you might consider updating your resume and find employment that will pay you more than the current inflation rate. Either way, your goal is to increase your wages in order to continue succeeding in your debt free journey. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investing #investments #sharicalveti #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgjovenes #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Cuando incluimos a Dios en el proceso de nuestras finanzas, las cosas salen mejor! #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #motivacion #sharicalveti #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgjovenes
Ahorros para 6 meses de vivienda es más importante para ti que un puntaje de crédito de 700-800. Los ahorros te dan la libertad de continuar tu estilo de vida aún cuando no estás generando ingreso. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #motivacion #sharicalveti #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgjovenes
Comida, Aventuras o ambos? Yo no se de ti, pero yo prefiero gastar mi dinero durante mis vacaciones en experiencias y aventuras. Por eso es necesario que tengas un presupuesto para tu comida durante tus vacaciones. Aqui te dejo unos tips para que gastes menos en comida y tengas mas dinero para disfrutar tus aventuras. -En el alojamiento tiene que haber un refrigerador, micro-onda y cafetera. -Antes de registrarme en el alojamiento paso por la marketa a comprar articulos para desallunar todas las mañanas (pan, jamonilla, queso, muffins, yogurt, etc). -Tambien compro frutas, nueces, granola/protein bars, y agua/jugos para meriendar durante el dia. -Para cenar, escojo restaurantes en areas de vivienda en lugar de areas turisticas ya que son mas economicas y aveces hasta mas deliciosas. De seguro que con estos tips se te ara mas facil ejecutar el presupuesto durante tus vacaciones. Al mismo tiempo tendras aventuras dynamicas que contar. #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #motivacion #sharicalveti #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgjovenes
Can't afford to go on vacation? Want to go? If you are on a tight budget, you can still take time off and get away. You can take a long weekend or a week. Save $100/month for 6 months and get away on the seventh month: -Load up your car with gas, snacks, sandwiches and drinks. -Take a drive to the state that surrounds where you live. (I live in TX, we've driven to Louisiana, Arkansas, and Oklahoma for vacation). In those states/towns find places that contain things you are interested in or that would enhance your hobbies. -Car shows, sports, bar hopping, and/or food specialties). You can also be a tourist in those states or towns. -By visiting local attractions, museums and parks. -Or take a tour of famous manufacturing plants like Hershey chocolate, mint/currency, beer/liquor, coffee etc. For under $750 dollars you can have a break from the grind of life and enjoy some time for self-care. You just have to set up a budget and savings plan for it #debtfreecommunity #budgets #debtfreemindset #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investing #investments #motivation #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgjovenes #sharicalveti #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Student Loan Payments extended until 8/2022!!! This news makes everyone with student loan debt very happy. You might even be thinking of taking a vacation this year. Wooo Hooo! But might I suggest for you to take advantage of the deferments the government has given you. Pay towards your student loan debt now. With ZERO interest on your loans, you can get rid of quite a big chunk of your student loan debt. This will also give you the opportunity to have a reasonable monthly payment on the remaining balance once repayment starts up again. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investing #investments #motivation #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgjovenes #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos #financialmindset
INVESTMENTS and WAR; although there is alot of uncertainty in the world right now due to the Russian invasion of Ukraine it is not the time to panic about your investments. Throughout history investments have survived many wars. They will survive this one too. Ask your Financial Advisor about any concerns you may have regarding the impact of your investments during this time before you withdraw your funds. Your financial future is too important for you to act out of fear right now. #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investing #investments #motivation #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgjovenes #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Don't miss out on special events. For that one time formal, try purchasing items at a thrift store, consignment store or borrowing from friends and family. You will save money and have a great time. #debtfreecommunity #budgets #budget #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investing #investments #motivation #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgjovenes #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos
Con un plan de ahorros tu también puedes celebrar los días especiales para ti sin tener que usar deuda. El mes de Febrero es uno de los meses favoritos para mi. Esta lleno de mucho AMOR. Clebramos nuestro anniversario, el cumpleaños de mi papá y el día del amor! Y todos sin deuda. Solo tienes que hacer un presupuesto para las cosas importantes que deseas celebrar y durante el año mensualmente ahorras para eso. Todo lo que deseas lo puedes lograr sin deuda y reproches. Atrévete y comienza hoy! #ahorrardinero #presupuesto #bienesraizes #Comunidadsindeudas #eliminarladeuda #ahorrar #ahorros #finanzaspersonales #pagardeuda #saldarladeuda #mamassolteras #mujereslideres #boricuas #mujervaliosa #inversiones #boxeo #viajarsindeuda #motivacion #sabiduria #frugal #puntajedecredito #prestamoestudiantil #mielsanmarcos #callejeandopr #konklma #richardgarciaoficial #ingridrosario #mgjovenes
2022 started with a lot of challenges for us. But thank God for emergency funds and our debt free journey. Happy Anniversary to us! #debtfreecommunity #budgets #budgets #savings #savingmoney #personalfinances #payoffdebt #paydowndebt #singlemoms #singledads #buildwealth #boxing #investing #investments #motivation #wisdom #frugal #creditscore #studentloans #callejeandopr #konklma #mgjovenes #puertoricaneats #debtfreetravel #richardgarciaoficial #ingridrosario #mielsanmarcos