I’m more strapped for cash than I’ve ever been. Seriously. So, I’ve decided to bump my finances back up on the priority list. I’ve made some ovetures about part time work for other clinics/wellness centers. And I’m scheming about some promotional opportunities for my own business. I make a good hourly income, so it is just about seeing more clients – which means hands on for billable hours with more new clients. 2 days ago
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Followers of Dave Ramsey all knew and practice funding and saved atleast 3 months worth of living expenses in case of an emergency.
I had an emergency fund before, but I liquidated all that fund when I returned from my recent 2 RTW trips some 1/2 year ago due to lack of employment. I’ve been working for 2 months so it’s natural to replenish my Emergency Fund.
My past Emergency Fund has been in the most liquidable form = cash. This time, I think I’m going to opt for the semi-liquidable route that would maximize my saving through either individual stock/mutual fund account as the current saving rate is too little to park the current humble amount.
11-26-2013, starting balance: $1,200
I am affirming:
*I set and achieve my financial goals with ease.
*My Emergency Fund increases exponentially every week.
*Through my thoughts, I now produce tangible avenues of wealth for myself.
*It is my greatest desire to live each and every day with unlimited prosperity
*I now take immediate action to consistently increase my personal wealth and my emergency fund account.
I love being rich!
Aisa 1 week ago
My car needs a new coolant line, and the light in the glove box wasn’t turning off. So I will owe a cool $425 to be road ready for my trip to BC. Also let me know that I need new tires and an alignment before too long. Damn, the expenses just keep coming…. 2 weeks ago
Read an interesting accounting of how much he price of things has gone up in te last ten years…. Yet average income hasn’t. Suddenly clarifies a lot of my challenges in an unarguable way.
Now I am intellectually/philosophically pondering… 2 months ago
Just woke up from an awesome dream in which somebody completely unexpectedly gifted me four thousand dollars to continue building my healing practice. It was awesome. Woke with a smile, and came upstairs to light my wealth altar and write in my journal. Really feeling in flow… Not too long now :) 3 months ago
was talking with my little sister this evening. She is hunting for a new job, and saving a buffer in case she is out of work for a few months in between gigs. I admitted to my financial reality, and suddenly the day doesn’t look so bright. I always feel like crap seeing myself through her eyes. Gotta cut that out! 3 months ago
Crossing my fingers about receiving a significant amount of inheritance… Not greedy, but whatever comes our way will be deeply appreciated and really help us out! 4 months ago
Feeling a lot of stress about our financial state right now. We are ok, and i trust we will have our most central needs met … really working on doing what I can to get more flow and less ebb going on though, as it will be such a relief to have good funds in our coffers and be able to get caught up with responsibilities that I’ve been having to waitlist til another day. 5 months ago
Feeling a touch dismal about this goal. My fiancé is struggling with his health and well being since he was hit by a driver who fell asleep at the wheel back in April. He has been powering through the last couple of months… Now though, it is catching up with him, and he is prioritizing his health practitioners advice of slowing down and not pushing himself so that his body can actually heal. I am all for this! Challenge being when he decides this means missing whole days of work, or going in late etc… Resulting in serious pay cut to our already snug budget. Guess I need to take a deep breath, let go of some of my dreams and expectations for this summer at least, and continue being frugal on the home front. *sigh. 5 months ago
While my personal accounts are all still sadly tight, my fiance and I have been doing well with starting to create a significant surplus in our joint checking/savings account set up. Glad to have a system that seems to be working, and that will lead us to a good place. Hoping to check this goal off in a matter of months now instead of years ;) 6 months ago
To be honest, I have given this goal much thought and am currently very much in the process of saving the funds for said emergency fund. In fact, in my goal “learn how to successfully invest”, I have claimed a goal amount and date: $2,000 by July 4th 2013. This is roughly the amount to pay 3 months of my only current/long-term expense, student loans. Figured each goal deserves at least one status update entry.
Current savings: $1,400
I’d say I’m right on schedule :) 6 months ago
Received a totally unexpected and completely welcome check in the mail as a once in a life time birthday present… need to sit down and decide how best to invest it tomorrow. I can tell you right now though, that part of it will be going towards a solid emergency fund! 7 months ago
M and I were talking last night, and realized we better start saving $$ if we want to be able to afford to move next winter when our lease on the apartment is up. I really want to get into a house that gives me less exposures by being a single unit free of smoking neighbors and diesel based landscaping crew. Moving is expensive, what with deposites, truck and potential movers, etc. would like to have at least $3,000 set aside for this process in an ideal world. That would mean saving $500/month. Better start the fund, and continue to focus on saving. 8 months ago
Tonight I’ve been feeling angsty about finances. So sick of things being tight, and the resulting stress. Time to turn this around, and look at the positive!
- I’ve paid for all of my own basis necessities for the last 3+ years
- I’ve paid my mortgage and HOAs religiously since I bought my own home 2.5 years ago
- I live in a beautiful place with a man I love and who adores me
- I’ve helped my sweetie pay over $3,000 worth of car repairs in the last six months
- I bought my own car, and am making the regular payments
- I cover my own insurance
- I’ve paid my own treatment room rental for the last 3.5 years, and even managed to hold it together when my business partner left me in the lurch
- I’m up to date with all my licensing
- I consistently meet my payments on all money owing
- I invest in my health
And I’ve done this all while starting my own successful business from scratch :)
sure, I’m actively welcoming in prosperity, and really look forward to when there is a little more wiggle in our monthly cash flow budget, and yes there are some big things I’m really looking forward to being able to afford… but over all, I’m doing pretty well. phew!
In terms of this goal “having a 3 month security fund” though, I definitely need to tighten the belt down the last remaining bit and prioritize this if it is going to happen. 8 months ago
Chose to buy new clothes for work at the beginning I this month since I’d been making do for quite a while. And now my honey’s car is finally giving out on the breaks eat that have needed replacing for a while. Thankfully because we’ve been having a good month I think we will be able to make ends meet. Going to be so great to step out into getting ahead and moving forward with our goals rather than continuing to play catch up like this. 8 months ago
This month’s income projections are looking really strong. Looking forward to catching up and being able to set at least a few hundred aside as a cash flow buffer and security fund :)
P.S. Transferred $50 to my freedom/security fund this morning :) Yippee! 9 months ago
I’m meeting my most pressing needs that are non negotiable and have the money to pay my monthly bills, but some days it feels like a frightfully close call! I’m not spending spontaneously on stuff either, well, not beyond the very occasional $5 treat during my weekly food shop or something like that. Mostly I’m toeing the line exactly, and it just has to do with my overarching life style being high quality and a little expensive to maintain and having taken a large hit on my earnings last fall with moving my practice. Thank God last month was better. Here is to manifesting prosperity from here on out! 10 months ago
Step by little step, am getting closer… there are just a lot of baby steps along the way! 10 months ago
I saw an interesting idea online: forbid yourself from spending any $5 bills that come into your possession. I’ve been practicing this since January 1 and now have $40 worth of $5 bills saved. 10 months ago
i’ve set up my direct deposit through work to add $50 per paycheck to my savings account. if i don’t see the money i don’t seem to miss it. so far this has worked really well. 10 months ago
Seeing a whole bunch of new clients is really helping my finances. I was able to get ahead on my cc payments this month, and also set some $$ aside for catching up on paying my taxes. Definitely in a more positive place. It is going to take continued attentiveness to reach this goal but at least I am headed in the right direction again :) 11 months ago
It is really not as hard as it looks. Work out how much you need, Setup a plan and start saving.
I would say you have to get this done within a year of starting, otherwise you might be living outside of your means.
And make sure the money is out of reach and invested in a above inflation interest account. 11 months ago
in moving my business and moving my home at the same time. Just spent a couple hours catching up on clerical work, and no wonder I’ve been feeling a bit broke! Definite decrease in clients the first two months after I moved. Luckily things are starting to pick up now that my loyal peeps are getting in the flow of coming to see me in my new treatment space or paying me extra for coming to them on-site :) 12 months ago
well, definitely still have a WAYS to go on this particular goal… but some good changes have taken place! My marketing efforts are providing tangible results, and I’ve got three clients back to back on Thursday alone! My partner just accepted a new job, which ultimately will pay more when factoring in promised bonuses for meeting certain hurdles I am confident he’ll reach with ease… and in the meantime I’m doing MUCH better on living on less $$ each week :) 14 months ago