About ME

Well Hello There!

Welcome to 2 Corinthians 9:8! My name is T, I am a mother to three beautiful children; an 11 year old son, an 8 year old daughter and 1 year old baby boy! I am 31 years old and outside of making fun savings challenges I've been working for the federal government for 9 years. I've always aspired to be a successful entrepreneur and I have had a couple of successful businesses in cosmetics. Even though they were quite successful, they were not my passion!

I was introduced into the budgeting community September 2022 and I haven't looked back since! With lots of research and dedication, I was able to pay over $20K in debt off within a year of my journey. Cash budgeting really does work, if you are wondering if this is for you; my best advice is to do lots of research on the different savings methods and give it a try for 60 days. You will see what works for you and what doesn't, but most importantly you will see your relationship with money change!

About Me

I have not ALWAYS been the best at budgeting and to this day I am still a work in progress. I joined the budgeting community September 2022. With hard work, research and dedication within the first 3 months I was able to save almost $10,000 and that's when I decided there was no turning back! And guess what?! You can do it too!

Let me be clear I am not a certified financial advisor, but I am sharing my journey with the you; showing ALL of my highs and lows because success is INDEED a bumpy road!

The formula that has been working for me:

Step 1 - Add up all of your money coming in (after taxes)

Step 2 - Add up all of your expenses, be SURE to check EVERYTHING, there are some sneaky subscriptions and expenses you may not even realize you have

NOTE: expenses include your bills and variable expenses (i.e. groceries, gas, house necessities, etc)

Step 3 - Write out the things that are a priority and the things you would like to save for

NOTE: a $1,000 emergency fund should be top of that list, medical should be next and then your personal savings

Step 4 - Take the difference between your money coming and your expenses, this will equal the money available to cash stuff (INCOME - EXPENSES = MONEY TO CASH STUFF)

NOTE: based off your income, this may seem like a little but REMEMBER that it does ADD up, it will take time and sacrifice but it will grow)

Step 5 - A break down of the money left over could look like this:

Savings 10%

High Priorities 40%

Low Priorities 30%

Savings Challenges 20%

NOTE: this is just a guide feel free to switch up your percentages!

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