Happy Prime’s Post

Small Money Leaks to Plug: A December Financial Checkup ✅✅ As the year draws to a close, it's the perfect time to take stock of your finances and plug those pesky money leaks. Here are a few tips to help you save more and stress less: 1. Membership Purge: The average American spends over $5,000 per year on memberships. Are you a member of a golf club🏌️♂️, gym🏋️♀️ or spa 🧖 you hardly use? It's time to declutter your subscriptions. Cancel any unused memberships to free up some extra cash. 2. Negotiate Your Way to Savings:Don't be afraid to negotiate your bills. Whether it's your internet, cable, or phone plan, you might be surprised at how much you can save by simply asking for a better deal. 3. Food for Thought: Reduce Food Waste  The average household wastes about $1,600 worth of food each year🗑️. Plan your meals, buy only what you need, and get creative with leftovers. Reducing food waste can save you money and help the environment. 4. Smart Savings Strategies: Move your savings to high-yield savings accounts or invest in low-risk options. A little extra interest can go a long way. 🧓👵 5. Subscription Slimdown:Take a look at your monthly subscriptions. Are there any you can cancel or downgrade? From streaming services to meal kits, every little bit counts. 6. Credit Card Savvy: Review your credit card statements and look for opportunities to save. Consider switching to a card with better rewards or lower interest rates. 🧑💻🤔 By implementing these simple tips, you can significantly reduce your expenses and boost your savings. Let's make this December a financially fulfilling one!😄😄 #yearendfinances #2024financecheckup #review #moneymanagement #familyfinance #timelybills

Want to drastically change your finances in the next 6 months? Let's dive into it! 1. 𝐏𝐚𝐜𝐤 𝐘𝐨𝐮𝐫 𝐋𝐮𝐧𝐜𝐡: Say goodbye to everyday lunch purchases and hello to homemade goodness! Packing your lunch not only saves money but also lets you control what goes into your meals. Did you know that even a modest lunch purchase of Ksh 180 every weekday can add up to Ksh 45,000 annually? And that's without factoring in additional costs like tips and drinks!  2. 𝐖𝐚𝐥𝐤 𝐒𝐡𝐨𝐫𝐭 𝐃𝐢𝐬𝐭𝐚𝐧𝐜𝐞𝐬 𝐨𝐫 𝐂𝐚𝐫𝐩𝐨𝐨𝐥:  Ditch the car for short trips and opt for some fresh air instead! Walking not only saves on fuel costs but also doubles as a great way to get some exercise in and clear your thoughts. Plus, you never know who you might meet along the way—your network can be your net worth! 😉 3. 𝐂𝐮𝐭 𝐝𝐨𝐰𝐧 𝐨𝐧 𝐂𝐨𝐟𝐟𝐞𝐞 𝐒𝐡𝐨𝐩 𝐕𝐢𝐬𝐢𝐭𝐬: Make your own cup and watch your savings stack up! Take a #Malindi #ChaiLatte from one of our favourite spots costing Ksh 350 for a double - take those even 3 times a week multiplied by 50 weeks and that's a whooping KSh 52,500... #Perspective!! Enjoy your favorite brew at home or carry it on the go! 4. 𝐓𝐫𝐚𝐜𝐤 𝐘𝐨𝐮𝐫 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠: Knowledge is power when it comes to your finances! Keep tabs on your expenses by tracking every shilling you spend. It's a simple habit that can make a big difference in your budgeting game. Luckily, there are plenty of free apps available to help you stay on track! 5. 𝐒𝐞𝐥𝐥 𝐔𝐧𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐲 𝐈𝐭𝐞𝐦𝐬: Declutter your space and buff up your wallet at the same time! Take a good look around your home and sell any items you no longer need or use. Platforms like @decl.utter254 or @own_again can help you turn clutter into cash—no ads, just good recommendations! 6. 𝐀𝐮𝐭𝐨𝐦𝐚𝐭𝐞 𝐘𝐨𝐮𝐫 𝐒𝐚𝐯𝐢𝐧𝐠𝐬: Set up a standing order and forget it with automated savings to ensure you're consistently putting money aside for your financial goals. These six habits may seem small, but they pack a powerful punch when it comes to boosting your financial health with Moneywise! Anything we've left out? Let's chat in the comments! #Friday #Money #Tips

In this article, I want to talk about building confidence in managing personal finances. This includes practical tips and strategies to help readers set clear financial goals, educate themselves on basic money management concepts, and establish healthy financial habits. The aim is to empower readers to take control of their finances with ease and assurance, ultimately leading to a more secure and confident financial future.

The Naughty List Credit Mistakes That’ll Haunt Your Holidays! 🎅💳❌ The holidays are full of cheer... until the credit card bills start rolling in. 😱 Want to avoid the financial mistakes that could haunt your New Year (and your credit score)? In this video, I’m breaking down the worst holiday credit blunders—and how to steer clear of them. 🛑🎁 📜 In this video, you’ll learn: ✔️ Why overspending on credit cards can snowball fast ❄️ ✔️ The sneaky impact of missing just one payment ⏰ ✔️ Why opening too many store cards is a risky move 🚪 ✔️ How to manage your credit utilization during the holiday chaos 💼 ✔️ The one mistake almost everyone overlooks (and how to fix it!) 🔍 💬 Share your own holiday financial wins or fails in the comments below! Don’t forget to give this video a 👍 if it helped and hit subscribe 🔔 for more tips to keep your credit merry and bright. 📌 More Helpful Videos: 💳 How to Boost Your Credit Fast Before 2024 🎁 Holiday Budgeting Hacks to Avoid Overspending ❄️ Clever Ways to Save Money This Season 🎉 Let’s sleigh this holiday season—without the financial regret! 🛷✨ Compassionate Credit Repair P) 888-702-3426 T) 818-620-5317 E) fixit@compassionatecr.com https://lnkd.in/gdMTXkD Please Subscribe to Our YouTube Channel "Free Credit Repair" https://lnkd.in/gZD9V8fs #CreditMistakes, #HolidayBudget, #SleighYourDebt

The Naughty List Credit Mistakes That’ll Haunt Your Holidays! 🎅💳❌ The holidays are full of cheer... until the credit card bills start rolling in. 😱 Want to avoid the financial mistakes that could haunt your New Year (and your credit score)? In this video, I’m breaking down the worst holiday credit blunders—and how to steer clear of them. 🛑🎁 📜 In this video, you’ll learn: ✔️ Why overspending on credit cards can snowball fast ❄️ ✔️ The sneaky impact of missing just one payment ⏰ ✔️ Why opening too many store cards is a risky move 🚪 ✔️ How to manage your credit utilization during the holiday chaos 💼 ✔️ The one mistake almost everyone overlooks (and how to fix it!) 🔍 💬 Share your own holiday financial wins or fails in the comments below! Don’t forget to give this video a 👍 if it helped and hit subscribe 🔔 for more tips to keep your credit merry and bright. 📌 More Helpful Videos: 💳 How to Boost Your Credit Fast Before 2024 🎁 Holiday Budgeting Hacks to Avoid Overspending ❄️ Clever Ways to Save Money This Season 🎉 Let’s sleigh this holiday season—without the financial regret! 🛷✨ Compassionate Credit Repair P) 888-702-3426 T) 818-620-5317 E) fixit@compassionatecr.com https://lnkd.in/gdMMpyr Please Subscribe to Our YouTube Channel "Free Credit Repair" https://lnkd.in/gqKayNxU

Can You Save the Cost of 100 Coffees in a Month?☕💸 (3/3) Imagine if I told you that by keeping track of your spending, you could save enough money for 100 coffees by the end of the month! Sounds surprising, right? But it’s totally possible! Many people know they spend money, but do we really know where it goes? Whether you earn a lot or just a little, tracking your expenses can make a big difference. 🔍 What’s the Secret? It’s simple! You don’t need fancy apps. You can just use a notebook or a simple spreadsheet. Whenever you buy something—like coffee, groceries, or clothes—just write it down. That’s all! Here’s where the magic happens... At the end of the month, when you add up all those small purchases, you’ll see where your money is going. It might be that daily coffee or those impulse buys. The key is awareness. Once you see it all written down, you’ll start making better choices without even trying. 💡 Why Does This Work? 1. You’ll find out where you can cut back on spending. 2. You’ll feel more in control of your money. 3. It helps stop impulse buying because you’ll think twice before spending. 4. If you can control your finances, you can control your future! 5. And it’s super easy! "It's not about how much money you make, but how much you keep." – Unknown Now, let me share my personal story. When I was a kid, I watched my father and other family members keep track of their expenses. Since I was born in a Marwadi family, managing money was just part of our lives. Whenever I got money for household expenses, I made sure to note down every penny I spent. This habit has helped me understand money better. So, here’s the exciting part… 📅 Start Tomorrow! Today is 30th September 2024—a great time to start fresh! From tomorrow, 1st October, begin tracking every paise you spend. By the end of October, you’ll be surprised at how much you can save. Maybe even the cost of 100 coffees! ☕💸 Think about it: what’s stopping you from taking this simple step toward better money management? (Image credit- Google) Darshan Mundra, Consultant at iOCFO Consulting Private Limited

Financial advice: Cook more! 👨🍳 I've been meal prepping for years now. I started doing it to save money when I had my first job out of college, and fell in love with cooking in the process (I'll admit this helps with sticking to it). This is a week of lunches for my partner and I (we'll still eat out once a week). These 8 meals cost less than $20 total... less than $3 each... and takes about an hour of my day every Sunday. Compare that to $10, $12, or $20 per day eating out... Not to mention, home cooking is almost always healthier too. Dining out is one of the largest discretionary spending items I see in people's budgets who are struggling to save money. Eating out is EXPENSIVE! If this sounds like you, until you have a good handle on your monthly cashflow and can really afford to eat out every day, give it a shot. You don't have to prep your meals, just try planning out what you're going to cook for dinner next week and buy what you can in bulk. How often do you cook at home?

Day-9 practice of THE MAGIC 📖 MONEY MAGNET 🧲 “It is only with gratitude that life becomes rich.” If you don’t have enough money, the last thing you would normally do is feel grateful for your bills, but in fact that’s exactly what you have to do to receive more money 💰in your life. To be grateful 🙏for a bill, think about how much you’ve benefited from the service or goods on the bill.If you’re paying a bill for gas ⛽️ or electricity, you think about the heating or cooling you received, the hot showers, and every appliance you were able to use because of the service. If you’re paying a phone 📞 or Internet bill,Think about the times you messaged or email’d to your family & friends. Today you are going to do the same. Take any currently unpaid bills you have, and use gratitude’s magical power by writing across them, 𝐓𝐇𝐀𝐍𝐊 𝐘𝐎𝐔 𝐅𝐎𝐑 𝐓𝐇𝐄 𝐌𝐎𝐍𝐄𝐘 and feel grateful for having the money to pay the bill,whether you have it or not.write in capital bold letters, 𝐓𝐇𝐀𝐍𝐊 𝐘𝐎𝐔 𝐅𝐎𝐑 𝐓𝐇𝐄 𝐌𝐎𝐍𝐄𝐘 in front of it. 𝐍𝐞𝐱𝐭, 𝐟𝐢𝐧𝐝 𝐭𝐞𝐧 𝐛𝐢𝐥𝐥𝐬 𝐲𝐨𝐮’𝐯𝐞 𝐩𝐚𝐢𝐝 𝐢𝐧 𝐭𝐡𝐞 𝐩𝐚𝐬𝐭 𝐚𝐧𝐝 𝐰𝐫𝐢𝐭𝐞 𝐚𝐜𝐫𝐨𝐬𝐬 𝐭𝐡𝐞 𝐟𝐫𝐨𝐧𝐭 𝐨𝐟 𝐞𝐚𝐜𝐡 𝐨𝐧𝐞 𝐭𝐡𝐞 𝐦𝐚𝐠𝐢𝐜 𝐰𝐨𝐫𝐝𝐬, “𝐓𝐡𝐚𝐧𝐤 𝐲𝐨𝐮 – 𝐏𝐚𝐢𝐝.” 𝐀𝐬 𝐲𝐨𝐮 𝐰𝐫𝐢𝐭𝐞 𝐨𝐧 𝐞𝐚𝐜𝐡 𝐩𝐚𝐢𝐝 𝐛𝐢𝐥𝐥, 𝐟𝐞𝐞𝐥 𝐚𝐬 𝐠𝐫𝐚𝐭𝐞𝐟𝐮𝐥 𝐚𝐬 𝐲𝐨𝐮 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐲 𝐜𝐚𝐧 𝐭𝐡𝐚𝐭 𝐲𝐨𝐮 𝐡𝐚𝐝 𝐭𝐡𝐞 𝐦𝐨𝐧𝐞𝐲 𝐭𝐨 𝐩𝐚𝐲 𝐭𝐡𝐞 𝐛𝐢𝐥𝐥. Feeling gratitude for the money you’ve paid out guarantees you will receive more. Gratitude is like a magnetic golden thread 🧵 attached to your money, so when you pay money out, the money always returns to you. #gratitude #rhondabyrnethesecret #themagicbook #positivethoughts

Repost: Money Matters with Nimi Money manners 101! Here’s a little reminder about minding your money manners. WHO PAYS ON A DATE? A young man takes you out to dinner. Is it a date or just a dinner invitation? It’s ok to offer to pay sometimes or even go “Dutch” and split the bill. Just be considerate! What do you think? Speaking of awkward moments, have you ever been stuck with the dinner bill? BE CONSIDERATE Your friend’s birthday dinner just cost you N30,000, while your budget was more along the lines of a N6,000 starter or sides!😱 When planning group outings, be considerate about your friends’ pockets! You don’t have to pick the most expensive restaurant; a cozy but modest café can be just as much fun. PAY FOR PROFESSIONAL WORK Don’t take advantage of your friends! If they are doing professional work, at least offer to pay something. Let them decline if they want to, but it’s nice to show you value their time and skills. HOW MUCH SHOULD YOU TIP? Tricky one. I never get the tipping dilemma right particularly when the Service Charge is already included. I’ve annoyed some New York taxi drivers; thought the fare was all I needed to pay😱 Any tips? (Excuse the pun) LENDING TO FRIENDS AND FAMILY Be careful here! Lending money can be awkward; you could end up losing both the cash and the friend! Only lend what you can afford to lose or, better still, just give what you can instead so you don’t expect it back. BORROWING FROM FRIENDS AND FAMILY Don’t be that “friend” that borrows money and then goes MIA! You know the type - “I lost all my contacts, couldn’t reach you, my phone fell in a bucket of water!” 😱 If you need to borrow, pay back what you owe. If you are struggling, just apologize and ask for a little more time. We all need assistance at some point; don’t damage your relationships with bad money habits; it shuts doors! Put this into practice as the holiday season approaches. Do share your tips. Have fun! #moneymanners #moneymatters #money #financialsavvy #financialfreedom #financialliteracy #mmwithnimi #etiquette #personalfinance

It's Tuesday, and time for "Financial Tips Tuesday" I've got some nuggets of wisdom to share. Let's dive in! 1p Challenge, anyone? Start saving 1p on day one, 2p on day two, etc. By the end of the year, you'll have a tidy £667.95 saved up! Perfect for that rainy day fund or a cheeky holiday. Supermarket swap shop Try switching to own-brand products. You might be surprised - they're often made by the same manufacturers as the big brands, just with a different label. Your wallet will thank you! Loyalty pays Make sure you're signed up for loyalty schemes at your regular shops. Those points add up faster than you think! No spend' weekends Challenge yourself to a free weekend once a month. Parks, museums, board games - get creative and watch those savings grow! Are insurance premiums giving you a headache? Try paying annually instead of monthly. It might seem like a big outlay, but you could save up to 10% overall. Check your tax code It might sound boring, but double-checking your tax code could save you a pretty penny. Millions of us pay the wrong amount each year! Remember, small changes can make a big difference. What's your favourite money-saving tip? Share in the comments - let's help each other out! #financialtips #money #budget #savingmoney #tips #challenge #smallbusiness #work #workout #selfcare