Digital Budget Check-in with a PAY RAISE!!!! Let’s check-in on my digital budget to see my pay raise and check-in on my No Spend Month challenge. PLUS, I owe you that TP Count!

Hi, I’m Liz! Here on Budget and Balance I share my health and wealth journey to improve my health and pay off $150,000 in DEBT by budgeting, savings, and side hustling! Hope you’ll join me.

#digitalbudget #budgetwithme #debtfreejourney

00:00 Welcome
01:20 Goals
02:01 Projects
03:05 Income w Raise
04:34 Fixed Expenses
05:08 Debt
07:30 Review
07:59 Variable Expenses
10:51 Savings
12:15 Roll Over
12:28 TP Situation

Instagram (reselling): @BudgetandBalanceLiz
Business inquiries: lifeaslizreaches@gmail.com

Did you catch these videos?
No Spend Month challenge: https://youtu.be/m8HXNyX_hI4
Federal Student Loan Repayment: https://youtu.be/9d4zlly9Eus
Debt Confession: My Secret https://youtu.be/ulGQYTX-IV8
Frugal Friday playlist https://www.youtube.com/playlist?list=PLMcSNU6WIlQYKdPrQ9F7H3gpqFkqhFt7k

Becky from @TheGoodKindofMidLifeCrisis is participating in the No Spend Month Challenge. Check out her channel!

My Favorites from Amazon
~Health & Weight Loss Related~
Never Binge Again (book) – https://amzn.to/43cOaHN
Scale – Etekcity Smart Digital Bathroom Scale w Bluetooth Sync – https://amzn.to/3uZQVNP
1 gallon motivational water jug – https://amzn.to/3h01PuW
Yoga Strap, loops, non-elastic band – https://amzn.to/3rYLCML
Undersun Resistance Bands – https://amzn.to/3I2LnG9
Fitbit Replaceable Bands – https://amzn.to/3yTohON

~Other Favorites~
Collagen Powder – https://amzn.to/3rBZOxD
Calm – Supplement https://amzn.to/3SGYTni
Book – Finding Meaning , the 6th Stage of Grief, by David Kessler – https://amzn.to/3I1mZEL
Journal – Self-Love Workbook for Women – https://amzn.to/3I6TxNC
52 Lists for Happiness – https://amzn.to/3v1eYMv

I created free resources to help you on your financial journey. When paying off debt and saving money are the goals, you don’t need to spend money on a tracker. If you would like to show your support, you are welcome to send it via Venmo, @Liz-Reach.
My Original FREE Budget Tracker: https://docs.google.com/spreadsheets/d/14WtlE3FpAfayCRhQeeeLxxruYQqqydov/copy
My FREE 100 Envelope Savings Challenge, Digital Tracker
https://docs.google.com/spreadsheets/d/1szHuvJgG6WZxjiDETsa38hxzzxXMsGulruL7InIBcAU/copy
YouTube Subscriber Savings Challenge
https://docs.google.com/presentation/d/1i3jL7MIdChZ8rPzeThGxZSLm8JA-eZH1n-x4oVeWFN8/copy

FREE Budget App Mint: https://mint.intuit.com/
TubeBuddy for YouTubers: https://www.tubebuddy.com/LizReaches

Want to shop where I sell?
Poshmark Closet: LifeasLizReachs
Earn $10 for Poshmark with my code LIFEASLIZREACHS, if you aren’t already on Poshmark
Ebay Store: https://www.ebay.com/usr/lizreaches
ATTN TEACHERS Check out my TPT Store: Reach, the Science Teach
https://www.teacherspayteachers.com/Store/Reach-The-Science-Teach

Some links are affiliate links, which means I earn a small commission if you click my link. It’s not extra cost to you and support my small business. Thank you!

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THIS IS THE BOOK THAT THE CREDIT-CARD COMPANIES DON’T WANT YOU TO READ!!!

So, you may be looking for a book on such a subject because you amassed a certain amount of debt, perhaps fallen behind in some payments, or even considered bankruptcy. Sometimes debt isn’t even a result of overspending but just bad life circumstances such as a death or divorce of someone that helped us live to a certain standard. There is nothing to be ashamed of or even worried about.

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Imagine instead of paying everything off in five to seven years, you’re able to do this in two. Can you wait that long to be completely debt free?

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Here are some of the things you will find in this book:

* Understanding Debt and Credit
* Types of Debt
* Debt-to-Income Ratio: What is it?
* Median Ranges of Debt-to-Income
* The REAL Cost of Credit Debt
* How banks calculate home loans
* The real cost of credit card debts and how they are calculated
* Getting a better deal
* Practical Money Skills For Life
* Setting Serious Goals
* Why should I set goals?
* Visualize your goals and write them down
* Personal Goals Vs Financial Goals
* Create a Solid Timeline
* 3 Tiered Plan Of Saving
* Short Term and Long Term Financial Goals
* Prepare to do Battle!
* Finding Additional Resources
* Making a Budget You Can Live With
* Health Insurance
* Grocery Bills
* Utility Costs
* Banking and/or Check Cashing Fees
* Additional Income Opportunities
* Yard Sales
* Odd Jobs around Your Community
* Freelance Writing Gigs
* The Light at the End of the Tunnel
* Laying Out Your Debts
* Prioritize Your Debts
* Map Out Other Bills
* Decrease Your Expenses
* Credit Scores and Credit Reports: A Primer
* What Is a Credit Score?
* The Credit Score Model
* Credit Worthiness
* Credit Reporting Companies
* Credit reporting Scams
* Demystification of the credit reporting systems in the United States of America
* The Effect on Interest
* The Get out of Debt Early (GOODE) System
* Choosing which Debts to Pay Early
* Calculating pay-offs
* Online debt repayment calculators
* Right to the Source
* Yet even more calculators
* Manually Calculating Payments for More Control
* Calculating Monthly Credit Card Interest, the Easy Way
* Calculating Monthly Credit Card Payments, the Easy Way (or MAYBE NOT)
* Determining the Amount of Time to Pay Something Off
* Setting up your payment strategy
* What happens when you can no longer make a payment?
* What happens when you miss one single payment?
* What happens when you are unable to pay a second month?
* What happens when you cannot make payments beyond six months?
* What happens when you cannot make payments for years?
* Working with Creditors, Some Useful Scripts
* Proactive Approach
* Reactive Approach
* Sample Scripts
* How To Legally Rob Credit Card Companies
* Debt held by credit card company
* Debt held by collection agency

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