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Tag: money questions

{Money & Relationships} 20 Hard Money Questions For Couples

Published on September 12, 2016September 12, 2016 by Danielle YB Vason1 Comment

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Categories Fix Your Finances, Lifestyle, Money & Relationships•Tags @shemakescents, debt management, Money & Relationships, money questions, money questions for couples, money talks

Hello, Lovelies! I’m Danielle, an Atlanta blogger & the She of She Makes Cents. She Makes Cents is a personal finance & lifestyle blog for women that transforms & inspires ways to use your “cents” to live a fab life. Join me and the #SMCmoneytribe on the journey to accomplish financial goals, crush career barriers, and live a fabulous lifestyle all while working toward financial freedom.

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Hey #Venmo & #CashApp Users...this one is for you... A study by the Global Financial Literacy Excellence Center at the George Washington School of Business showed that users of mobile payment apps, though they tend to control more assets, also tend to be less #financiallyliterate and more impulsive than counterparts using traditional banking interfaces.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ “A study of mobile-payment using millennials (ages 18-34) in the US found they were less likely to be financially literate than others of the same age who didn’t pay for things with their phones. They were also more likely to make other bad financial decisions, like overdrawing checking accounts, racking up credit card fees, borrowing from payday lenders, or dipping into their retirement accounts early.”⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Mobile cash app users also make slightly more overdraws (25% versus 20%).⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Researchers speculate that the ephemeral nature of telephone banking makes it easier to lose track.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ♡⠀⠀⠀⠀⠀⠀⠀⠀⠀ ♡⠀⠀⠀⠀⠀⠀⠀⠀⠀ ♡⠀⠀⠀⠀⠀⠀⠀⠀⠀ ♡⠀⠀⠀⠀⠀⠀⠀⠀⠀ #bettermoneyhabits #financialplanning #financialpeace #finacialgoals #savingschallenge #millenialmoney #debtfreejouney #personalfinanceforwomen #personalfinanceblog #finlit

"Behind every successful woman, is a tribe of other successful women who have her back". ⠀⠀⠀⠀⠀⠀⠀⠀⠀ In 2019, I aim to put more of my focus into having a gracious spirit. One thing I have always been thankful for is my several different tribes of women who have my back. When you attend a women's college (s/o to @SpelmanCollege), are in the 1st black sorority (s/o to Alpha Kappa Alpha Sorority, Inc.), and dance on a college dance team, you tend to pick up more than a few supportive relationships with other goal-setting women. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I wanted to take a moment out of my day to shoutout to a few of my women tribes... my Rahs, my Spelman sisters, my Sorors, my sissy, my new Brunch Bunch, my handful of friends that I have had for 20+ years, and of course, the #SMCmoneytribe. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I am grateful for you all and I hope that I match the level of love and support that you pour into me. #InvestinRelationships xo, @danielleybvason ____________________________________ Let's invest in our relationships, tag members of our tribe to let them know how grateful you are for their presence in your life. ____________________________________ ♡ ♡ ♡ ♡ #shemakescents #girlpower #queening #successfulwomen #empoweredwomenempowerwomen #findyourtribe #girlboss #girlgang #instagratitude #lifestylegoals #TheBoldType

Thou Shalt Have Here Own Money #The11thCommandment ♡ ♡ ♡ ♡ #shemakescents #SMCmoneytribe #SMCmoneychallenge #bettermoneyhabits #personalfinanceforwomen #debtfreejourney

THE GOAL-SETTING HACK YOU SHOULD DO BEFORE STARTING THE $$$ CHALLENGE ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Calling the #SMCmoneytribe! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Before we begin our new #SMCmoneychallenge on week 1 of 2019, you need to first take a moment and write a quick letter to yourself.. The letter should be from your future self…one year from now, painting a picture of what you want your life to look like. Make sure you include your big money goals, savings goals, and/or goals for your sinking funds. Be as specific as you can because the more details you include the more you can prepare your mind to accept the image as possible. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Also, the challenge will get….well challenging. Many people start out the year enthused and excited and slowly lose focus or discipline along the way. By having this letter for yourself, when times get tough and “life happens” (my version of Dave Ramsey’s “Murphy”) it is nice to have this letter…this promise to yourself to inspire you and get you back on track. Just think how nice it will be when you are looking back on your year, one year from now, and everything that you envisioned for yourself and family have manifested. ♡ ♡ ♡ ♡ #shemakescents #debtfreejourney #paidinfull #personalfinanceforwomen #moneyblogger #savemoney #budgetingtips #sinkingfunds #financialpeace #babystep2 #BS2 #moneysavingchallenge #52WeekMoneyChallenge #debtfree #Atlanta #AtlantaBlogger #moneytalks #bettermoneyhabits #mindsetshft #moneyaffirmations

GRAB YOUR FREE MONEY GUIDE TODAY! The SMC Money Challenge is back and better than ever. After a successful 2018 run, the SMC Money Tribe, a community of goal-setting women who accepted the challenge to invest in their money and lifestyle goals, is ready to take on a new money challenge. We are shifting mindsets while tackling debt, saving money, and replacing bad money habits with smart money moves. Beginning on January 3, 2019, weekly progress check-ins will open up every Thursday at 7pm (EST) and will stay open until Sunday at midnight in SMC Money Challenge Facebook group and on the She Makes Cents Instagram account. I am not a personal finance blogger who sold all of her stuff and lives off rice and beans. I am not rich nor did I come from a wealthy family. I am an “every girl” that woke up one day and decided I could do better for myself and for my future. I made a choice 156 weeks ago to change my financial future. What choice will you make today that your future self will thank you for?" -@danielleybvason _________________________________ For more information about the #moneychallenge, visit shemakescents.com or the first link in my bio. _________________________________ ♡ ♡ ♡ ♡ #shemakescents #moneychallenge #52WeekMoneyChallenge #debtfree #Atlanta #AtlantaBlogger #moneytalks #bettermoneyhabits #mindsetshft

THANK YOU GOD!!! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ My original #moneygoal for 2018 was to get my student loan balance under $5,000. Instead, that debt was #paidinfull early this year. After my student loans were paid off, my new goal was to make a major dent in the balance left on my car. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Around August of this year, I decided that a "major dent" description was NOT specific enough to be an actual goal. So my new goal was to get my car balance down to $1,500.00 by the end of the year (that was more specific and measurable, thus making it an actual goal). ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I then, secretly challenged myself to attempt to pay off $19,000.00 this year. To be honest, I didn't think that the Mr. and I would be able to do it. Every time I doubted myself, the goal, or our team (@danielleybvason and @michaelvason), I stopped what I was doing and replaced the negative thought with a positive affirmation. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ This morning, we hit THE #moneygoal that I set for our household. With a final $437.50 extra payment toward the principle balance for my car note (my next real car note is due sometime in 2020) our FINAL DEBT PAYOFF FOR 2019 IS $19,189.19! P.S. The 2019 #SMCmoneychallenge guide will be available for download tomorrow and it is the BEST ONE YET! _____________________________________________ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ www.shemakescents.com _____________________________________________ ♡ ♡ ♡ ♡ #shemakescents #moneychallenge #52WeekMoneyChallenge #debtfree #Atlanta #AtlantaBlogger #moneytalks #bettermoneyhabits #mindsetshft #moneyaffirmations #SMCmoneychallenge

$18,554.20 OF DEBT PAID OFF THIS YEAR ALONE! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ So, I calculated my results from the #SMCmoneychallenge, as well as, my #debtpayoff and here is what I came up with. Last year, the Mr. & I saved $4106.00 together on the #MoneySavingChallenge and this year, I saved $4161.00 by myself. He saved $3,900 this year which puts us at a joined savings of $8061.00 in which we used as EXTRA payments toward debt. ♡ Starting 2018 Debt Balance: $20,565.86 Current 2018 Debt Balance: $2,011.66 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ THAT'S $18,554.20 OF DEBT PAID OFF THIS YEAR ALONE! ♡ The 2019 #SMCmoneychallenge is almost here and it will be VERY different from the years before. After leading this challenge for a few years now, I have identified ways to help #SMCmoneytribe members be CONSISTENTLY successful by fully engaging in this challenge. New money challenge, new rules, new year, new goals. 2019....let's do this! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Who is ready to join me? Imagine what you can do in a year! ♡ ♡ ♡ ♡ #shemakescents #moneychallenge #52WeekMoneyChallenge #debtfree #Atlanta #AtlantaBlogger #moneytalks #bettermoneyhabits #mindsetshft #moneyaffirmations

10 Money Moves To Make After You Get Engaged ⠀⠀⠀⠀⠀⠀⠀⠀⠀ It's engagement season and before our social media feeds gets bombarded with the #SheSaidYes posts, I wanted to share 10 #moneytips every #engaged couple should take, after getting that ring insured, of course 💍 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 1. Sit Down and Talk About Your Finances 2. Check Your Credit Scores Together 3. Review Your Credit Reports 4. Open a Joint Checking Account 5. Talk About Financial Goals 6. Open a Joint Savings Account (for bills) 7. Come up with a Debt Payoff Plan 8. Financially Plan Your Wedding 9. Figure Out How to Afford Your Dream Honeymoon 10. Discuss Future Goals ♡ ♡ ♡ ♡ #financialplanning #financialpeace #finacialgoals #savingschallenge #personalfinanceforwomen #personalfinanceblog #finlit #justengaged #IsaidYes #putaringonit #relationshipgoals #moneygoals

S T A Y W E I R D 🤑! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Being broke is normal. Seventy-five percent of Americans feel they are living paycheck to paycheck. Student loans and credit cards are crushing families left and right. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ If this is normal, you don’t want it! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ That’s why @daveramsey wants you to be weird. You’ve got to look at what everyone is doing and then run the other way. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ How? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Make a plan for your money. Spend less than you make. Cut up your credit cards. And get mad at your #debt and pay it off with a vengeance! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ If you want to succeed, you’ve got to be weird. Trust us. ♡ ♡ ♡ ♡ #financialplanning #financialpeace #finacialgoals #savingschallenge #personalfinanceforwomen #paidinfull #debtsnowball #personalfinanceblog #finlitmonth

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