Carmelia Financial Coaching

Those restaurant expenses can really add up. 😂 Making a budget for each month (before the month begins) and sticking to it is the key to winning with money. Here’s how to create a simple zero-based budget each month 👇 1️⃣ Write down your total income. 2️⃣ List your expenses (including any money you’ll save). 3️⃣ Subtract expenses from income to equal zero. This is called a zero-based budget, and it helps you give every dollar you made that month a clear purpose. 4️⃣ Track your spending to make sure you stick to your plan. When you’ve got a plan, you’re more likely to not overspend. And that peace of mind is priceless.

Raise them and teach them about healthy living, mental wellness, spiritual foundation and financial literacy.🔁
The actions we take now as parents could have a tremendous effect on their future. In the area of finances instead of children playing catch-up to pay down debt they'll have a chance to save for a house or their future retirement.🎉

Happiness is leftovers! Leftover food and money 😂

1. Indicate and mark where you are now in your journey. Are you close to your next milestone? Then get the discipline and motivation to make it to the next pit spot.

2. Don’t give up all together on your goal. Take time off to reflect and refresh your energies and thinking. During this time craft a new season in your journey. Crafting a season with a theme can help you see the next leg of your journey in a new light. Put plans in place to strengthen the areas you require support for the new season to overcome hurdles you saw in season 1.

3. Celebrate and reward yourself appropriately for how far you’ve gotten in your journey. Also set a reward triggered and tied to milestones for season 2.

4. Reset and begin your new journey.

~Robert A Belle

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Student Loan Forgiveness Application: Everything You Need to Know The student loan forgiveness application is live. Find out everything you need to know about applying for student loan debt relief and what to watch out for.

As you heal and make changes not to please, it might feel and be perceived as lack of love. Be patient with relearning how to truly show love.

Ask yourself, " Is my motivation to do this truly to show love, or am I fed by my need to please with a motivation to be more loved."

Wealth is the opposite of poverty or privation. It does not have a figure attached, so keep these behavior going wherever you are in your journey.