Attract Money

Today’s post is going to be very different from what I usually write about. I’m a strong believer in manifestation and the Law of Attraction. Since I started learning more and more about it, my relationship with money completely changed! I started to attract money and new opportunities that led me to more money. So, today I’m sharing some affirmations that I used, and still, use to attract money.

1.I am a money magnet.

2.I always attract abundance and prosperity easily and effortlessly into my reality.

3.I am the luckiest person alive.

4.I always get what I want, and money loves me.

5.My bank account never stops growing.

6.I am happy and grateful for the large amounts of money in my bank account.

7.I deserve the best, and I accept the best now.

I hope this post was useful!

Thank you so much for reading it, and I’ll see you in my next post.

5 Money Habits You Need to Have

For us to change and improve our finances, we need to develop some habits. These habits will help us stay on track and live a more comfortable life. It took me a while to get all of them and make them part of my daily life. Once I was able to get these habits to stick, my life changed.

1.Have a Budget

You need to know where your money is going! This is the only way you’ll be able to get control of your finances. It will help you to pay off debt and to grow your savings.

2.Make Goals

You need something to work towards. It will keep you motivated to keep hustling, and it will give a reason to manage your money wisely.

3.Have Side Hustles

Make sure to have different sources of income. Regardless of the amount, having this habit will always benefit you. Side hustles can turn into businesses.

4.Live Below your Means

This is so crucial. You don’t have to live miserably. You just have to make sure you don’t buy things you can’t afford nor have a lifestyle you can’t afford.

These are the tips I have for you, today! Thank you so much for reading it, and I’ll see you in my next post.

How to Increase Your Savings

I’m very passionate about saving for the things I want instead of getting myself into debt. On this post, I’ll be sharing some tips to increase your savings!

1.Budget

Make sure to budget your money every time you get a pay-check. Include your savings in your budget and slowly start increasing its monthly amount.

2.Have Side Hustles

Having extra money will always help you increase your savings, regardless of the amount. Remember that even small quantities add are good, they’ll add up.

3.Control your Expenses

Make sure to buy only what’s necessary and stay within your budget.

4.Challenge Yourself

Challenge yourself to save more money. Have no spend challenges each month. It doesn’t need to be perfect, but it’s a good way to encourage you and to stop you from buying things you don’t necessarily need.

Don’t forget to have fun! Life isn’t just paying bills and save money. Do things that bring you happiness, just plan them in a way that it won’t hurt your finances.

I hope these tips were helpful. Thank you so much for reading it, and I’ll see you in my next post.

How to become an Organised Person

Among my friends and family, I’m known by “The List girl”! It’s funny, I’ve always been like this, I remember making lists for my mum to give to Santa haha! Being organised is really in my personality. I decided to share a few tips that will help you to become an organised person.

1.Start by Organising your Home

Having your home organised will help you to get in the spirit! Organise your bedroom and kitchen and the spaces you spend more time in.

2.Organise your Mind

Write in a journal, write down your emotions and thoughts. Sometimes we need to de-clutter our minds in order to have a more organised life! This is a great habit for your mental health too!

3.Start making Small Lists

Have two or three goals for the day and write them down. Make sure to tick them out as you achieve them.

4.Start Planning your Week

Write down at least one goal to achieve per day, it will motivate you, and it will get you in the habit of planning out everything.

5.Make this a Habit

Make all the steps above a habit.

It takes 21 days to make or break a habit. Give yourself time to get in the spirit and have fun doing it.

Thank you so much for reading it, and I’ll see you in my next post.

How to keep Track of your Finances

Being in control of our money is something we all aim to do. The only way to do it is to be organised with your finances. On this post, I’ll be sharing with you what I do to keep track of my finances. I use a Personal Finance Binder to keep track of everything. These are the spreads:

1.Budget

The first thing I like to do is to write down my budget. I know exactly how much I need to spend on my needs (rent, groceries, bills, etc), making it easier to manage the rest of the money. Since I started writing down my budge, I realised that I could make higher payments towards debt, which was amazing!

2.Bills

I like to track my bills and add the payment receipts in a plastic folder at the end of this spread.

3.Expenses

I track all of my expenses! I split them into categories, and I always make sure to analyse them at the end of the month. It helped me a lot because I was able to see where I was spending my money, and I used to buy so many unnecessary things, and this made me break that habit.

4.Debt Tracker

I like to write down all of my debts and how much is left to pay, the payments I make with the dates and everything.

5.Savings Tracker

I usually write down my savings goal for each category, and keep track of the amounts I add until I’ll reach the wanted amount.

6.Important Documents

This spread is the last one of the binder. I keep every single document related to this topic in plastic folders. From the water, electricity, gas and rent contracts to my tax payment receipts. I keep them all in there, so I know where they are if I ever need them.

I have a Personal Finance Binder to download for sale that is just like mine. I’ll leave the link below if you’re interested!

Personal Finance Binder (Black and White Theme)

Personal Finance Binder (Green Theme)

Personal Finance Binder (Pink Theme)

Thank you so much for reading it, and I’ll see you in my next post.

15 Ways to Save Money

On this post I’ll be sharing with you 15 things you can start doing that will help you save money.

1.Make a Shopping List

Make sure to only grocery shop with a list, it will help you not to buy what you don’t need.

2.Eat Before Grocery Shopping

If you go grocery shopping with an empty stomach, you’ll most likely buy a lot of snacks and things you don’t need.

3.Make your own Meals

Cooking your own meals will help you save a lot of money, and you can make healthier meals which are also amazing for your body.

4.Make Your Own Bread

Bread is something that most of us eat several times a day. Making it yourself will help you save a lot of money. You can make several at a time and freeze the dough.

5.Buy Clothes on Sale

Only buy clothes on sale, you’ll be able to get more for less.

6.Buy in Bulk and Freeze

Buy fruit and veggies and freeze them. This is great for smoothies and soup!

7.Buy Detergents on Sale

When the detergents are on sale, you can get several and have a little stash at home.

8.Have a Budget

Make sure to write down your budget. Being aware of how much you can spend on every category will help you increase your savings. 

9.Be Organised

This tip goes along with the previous one. Being organised with your finances will help you increase your savings and your ability to saving money. There’s a downloadable planner that includes a budget spread, a shopping list, an expense tracker, a bill tracker, a debt tracker, and a meal planner. I’ll leave the link to it down below if you’re interested.

Money Planner (A4)

Money Planner (A5)

10.Turn Off the Light

Turn off the lights when you’re not in the room.

11.Meal Plan

Meal planning will help you buy only what you need, and it will also help you to control the costs of each meal.

12.Take your lunch with you

Prepare your snacks and lunch at home and take them with you to work. 

13.Sell your clothes

Sell the clothes you no longer wear and put that money towards savings or debt payments, for example.

14.Make your own Cleaning Supplies

Make your own cleaning products at home, this will help you save money and the environment.

15.Workout at Home

Working out at home instead of going to the gym will help you save thousands!

So, these are all the tips I have for you. Thank you so much for reading it, and I’ll see you in my next post.

How to Stop Living Beyond your Means

It’s quite tempting to live with things we can’t afford. We see it all the time in social media, people sell a lifestyle, and we want it. We want the same cars, houses, holidays, etc. Most of us can’t afford it (and it’s normal) so, they get loans and spend the rest of their lives living above their means. On this post, I’ll be sharing with you what you can do to start living below your means and save for what you want without getting into debt.

1.Budget

Setting up a budget is crucial. Set up one that works for you and for your family.

2. Stop getting loans

Start focusing on getting several savings accounts instead of getting loans. This will have a huge impact on your personal finances.

3. Prioritise

Change your priorities. Saving money will get you the things you want without loans, so move to a smaller house, sell your car, cook your own meals, etc. Start changing your lifestyle in order to maximize your savings.

4. Make Changes

After all these steps, acknowledge what you did wrong and what you need to adapt. Don’t see it as a negative thing or a setback, see it as improvements to reach the perfect method for you.

I hope this post was useful, thank you for reading it, and I’ll see you in my next post.

The Best Way to Teach your Kids about Finance

Learning how to deal with our finances isn’t something that happens overnight. We definitely need to make some mistakes to understand what we should do with our money. The problem is when we make those mistakes in our adulthood, and let’s be honest, we all have been there. So, the only way we can prevent this from happening to our kids is by helping them to make financial mistakes while they’re young. The mistakes we want them to make are: having wrong priorities when it comes to buy things and not budget their money properly. How can it happen?

First- Earning the Money

1.Monthly Amount

Giving them a certain amount every month will mimic our salary.

2.Paid Chores

Give them chores that they don’t normally do and pay them for it, this will be similar to our extra hours at work.

Second- Their Goals

1.Goals

Help them write down all the things they want to buy, whether that’s toys, clothes, etc. Try to include something that would be in their “needs” category, if they were an adult.

2.Priorities

Have them write down the priorities of what they should get first.  

3.Budget

Ask them if they think they should have a budget or not. If they think they do, help them make it but stick to what they think it’s correct.

Third- The Mistakes

1.Mistakes

They will understand that their priorities were wrong (because they’ll most likely choose something that they want instead of what they need to be on top of the list). They will also understand that they need a “Plan of Action” aka a budget to get what they need.

2.Help them

Acknowledge their mistakes will help so much in their future. They’re going to need you to explain how things should be done, and don’t forget to show them that the mistakes they made were good and that they should be proud of themselves for being able to recognise and overcome them.

3.Encourage

Now that they’ve done all this, encourage them to not give up and give them a present or something they’d love to have. Dealing with finances will become a positive thing for them!

Thank you for reading it, and I’ll see you in my next post.

How to Achieve Financial Freedom

Financial freedom is something we all want to achieve. We’re constantly worried about our future, and most of our worries are about our finances. In order to achieve this, we need to follow a few steps.

This is How you Achieve Financial Freedom.

1.Create a Budget

Create the perfect budget for you and your family. Always prioritize savings, and make sure to adapt as you go. Check How to Budget your Income, The Ultimate Beginners Guide to the “50/30/20” System and The Ultimate Beginners Guide to the “Cash Envelope” System to figure out your perfect budget system.

2. Pay off Debts

This is a crucial step to reach financial freedom. Trust me, it isn’t impossible. Check 10 Habits to become Debt Free faster for some inspiration.

3. Have an Emergency Fund

Unpredictable things can happen at any time. Having that money on the side will have a soothing effect on your mind, and it will help you a lot in case of an emergency.

4. Have savings

Have goals for your money and save up for them. This habit will keep you away from debts. Check Different types of Savings everyone should have.

5. Stop living above your means

Most of us do this and don’t even know. After creating your budget, you’ll definitely start realizing  what you’re spending too much money, for example overly high rents, etc.

I hope this post was helpful, thank you for reading it, and I’ll see you in my next one.

Bad money habits you need to break

A while ago, I started making a lot of changes to improve my finances. I realized I wasn’t saving the amount of money I desired and after breaking some bad habits, my savings account increased.. a lot! So, today I’m sharing with you 4 bad habits you need to break and achieve financial freedom.

1.Living above your means

Many of us do this without even realizing. For example, I used to dine out every weekend and I clearly couldn’t afford that lifestyle at the time. Some people pay extremely high rents for what I can afford, etc. Figure out what kind of lifestyle you can afford and make the most out of it.

2. Not saving for an emergency fund

Emergency funds are crucial for us to overcome a crisis. Hopefully, we’ll never go through them, but having that money on the side can make a huge difference. This must be a priority.

3. Not having a budget

I know a lot of people don’t like making budgets, but this is key to be able to live comfortably. There are different techniques that will adapt to your life. Here are a few examples: “How to budget your income”, “The ultimate beginners guide to the 50/30/20 system” and “the ultimate beginners guide to the cash envelope method”.

4. Impulse buying

This was a big problem for me. Whenever I’d get into a store, I’d always leave with bags. It really adds up at the end of the month, so always think twice before buying and make sure it’s something you truly need. You can always add a category to your budget and, that way you’ll get to have fun but it won’t have a bad impact at the end of the month.

I hope this was useful and thank you for reading it. I’ll see you in my next post.