Financially Responsible | Saving + Investing with #Robinhood | Motherhood Unplugged

This year I have tasked myself with 'getting my life together' specifically in areas of maintaining my home, self-care and finances. When it comes to investing I am definitely not an expert but I have belonged to an investment group in the past. I wanted to get back into researching the market and personally investing into stocks. I decided to download the Robinhood app on my iPhone and use market research tools online to research and pick which stocks I want to trade. Click the link and start investing today. Every month I will be delegating a small percentage of my disposable income to investing and sharing on my IG stories when I am paid dividends. I also have buckled down and created an aggressive plan to knock out the remaining debt I have this year using tools from Dave Ramsey. The Dave Ramsey Debt Snowball effect helps you to kick start your get out of debt plan with 3 simple steps you can use today.

Firstly, I would recommend making a monthly budget so you can stay on track of your expenses. Secondly, you should view your credit report and clean up any discrepancies if necessary. You can view your credit report for free annually at FreeCreditreport.com

1. List your debts in order of smallest total balance to largest.

2. Get your snowball rolling by paying as much as you can on the smallest balance. Only make minimum payments on the rest and pay the largest portion to the first and smallest debt.

3. Once the smallest debt has a zero balance roll that former payment into the next one on the list and so forth until they are all paid.

If you are serious about getting out of debt you will need to be more frugal. This means you may have to forego those trips to your favorite store to haul unnecessary items. You may have to skip out on vacation to throw that money towards your student loan balance. You may have to brown bag your lunch for work and put that savings towards that credit card (s). You may have to skip on the weekly salon and nail appointments and turn into a DIY diva while knocking out your car note.

I know all of these things can seem like a drag. When I purchased my very first home back when I was a young and tender 25 years old lol I did all of these and more. I had to say no to my co-workers invites for lunch. I had to do my own hair and nails every week. I did not have a gym membership and worked out at home instead. I did not go on luxury vacations. I skipped out on girls night out for food and drinks. I nixed my cable bill and opted to watch TV online for free and the list goes on. Sacrifice is the name of the game.

With being more financially frugal I feel as though I will be a better parent as well. I actually have to walk the walk when I tell my kids they can't have xyz every time we go to the store because we need to save. If I expect them to resist the urge then I need to do the same. I will be crying real thug tears about those store hauls though lol

Cheers to financial prosperity in 2019 and may we all 'get the bag' and keep it too!

#motherhood