5 Do’s & Don’ts To Saving Money

Money, ma, ma, Money ooo I want that ma, ma, money…

If you don’t know that song I can’t find it so, I will link it below for you if I can find it but, this is the general jist; in life you need money. Money is frustrating it comes and goes. Most of the time it goes… It’s almost like watching every hour you spend working get wasted. Might as well take your weeks wages and toss them overboard right?

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Umm… not exactly. It’s called saving and spending wisely. Yes, money is so fucking annoying but, unfortunately it’s needed so, we must be smart. I am by no means an expert when it comes to saving but, I do have some steps that will hopefully help you.

  1.    Do                         

You may need more than one job which, means you will have a side hustle. I am all to familiar with side hustles. Unless you are on salary like, making big bucks side hustle will be where you are racking in a few extra bucks . It’s just way the cookie crumbles. We are in the age of the internet which is lucky for us. Use it to find something you are interested in such as, freelance work, pet sitting, house sitting( if you can work online and house sit you won’t have any rent expenses etc.. bonus!!). The possibilities are literally endless. If you aren’t currently working I don’t know how you are paying for anything but, you need to get on it!

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2.    Do                           

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Loves save your money! I know that new top or new gaming system looks awesome but, you currently can’t afford extras! After your expenses like rent, car etc save 75% of the rest of the money you have left over. 25% you can use to save up to go out to eat or, just for a fun night. I would say 50% in the savings account if you can. That is when the side hustle comes in… if your regular job only covers your bills your side hustle will go into savings. If you don’t have a savings account make sure you open one!

3.     Do                     

 

Bitch you’re on a budget! It’s not time to spend frivolously… Build your budget and stick to it! Your budget should include everything you need to survive. Don’t go over your budget!

 


 

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4.       Don’t               

 

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Shopping for items like clothing etc.. should either be built into your budget or, you need a new plan. If you are addicted to fashion I’m gonna need you to take a deep breath. Did you take one? Okay, you can not go shopping for clothing, shoes, accessories etc. Here is why, constant spending, not in the budget! Instead, go with a capsule wardrobe with 37 pieces of clothing for three months, basically a mini wardrobe for each season. It will prevent you from over shopping and, you should have a nice amount of cash at the end of each three months to buy a new piece for your wardrobe. Consider shopping at a thrift store it’s inexpensive and, can give your wardrobe a nice vintage feel.

 

 

5.     Don’t                

Oh the credit card. It’s not even the credit card itself it’s the obnoxious interest rate that literally makes you want to get in a ball and, cry haha. Okay I’ve been there especially with my business and, my rule now is do not swipe unless you have the money in the account. If your limit is higher than what you make in a month or two and it’s going to take you a year or more to pay it, abort!! Yes, you have to build up your credit but, do it in a smart way. Make sure you have the money to pay it over the course of a couple months. Otherwise interest rates are super high and, you will just get hit with that every month, trust me it’s horrible and, don’t do it!

 

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I hope these do’s and don’ts have helped you learn to save some of your cash money. If you have a specific topic you’d like me to cover please let me know in the comments. I will do my best to post about it in the upcoming weeks.

Have an enlightening and, adventurous day,

allie

 

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The Saving Game

Welcome to “The Saving Game,” here we like to have you spend money so, it is impossible for you to save up. I wouldn’t be lying if we didn’t love to put you in debt and then make the money off of the interest. In fact that is the name of our game!!

Haha I hope you enjoyed my little joke at the top. If you are not new to this blog you will have known about 1-2 years ago I did a series on How Get Rid Debt Or Stay Debt free. No, I do not claim to know every single way or the tricks to saving but, I did and, do have some tips. If you haven’t read my blog about how I earn money you might want to find in the description below. So, for years I have been saving money and investing it into my businesses similar to the Character on 7th Heaven “Simon,” I too, was like a bank. I do not once remember not having money all throughout high school because I was always working and, save wisely. I went to the movies very little and, selectively went out to eat. My expenses were my phone $15 (at the time), birthday/Christmas presents, clothing, and any extras like going out to eat, movies, bowling etc. I was not a frivolous spender because I knew the value of a dollar and, how much work went into making that money. Today, I am no longer like a bank but, that is because I have invested money in my future. I decided to start a few businesses and, of course needed to purchase things, like any other business. I needed a laptop for blogging, a camera/lighting for YouTube, and inventory as an FBA seller on Amazon. Of course, Amazon has been my largest investment. I am now in-charge of my businesses and of course my finances. I actually love it and, of course it is thrilling to try and launch a business however, it burns a pig hole in my bank account. Having my blog, YouTube Channel, Poshmark/Vinted/Mercari, and Freelance work in my head would pay for my phone, clothing, some food, toiletry products etc.. It has been quite a struggle because none of those jobs are guaranteed money.  But, instead of being hard on myself I work even harder everyday in hopes that I will have a larger amount of followers, jobs on Freelance websites, and more sales on Poshmark. I just listing a lot of new items on my Poshmark closet and, have invested in a faux fur piece of fabric to make the pictures more appealing to my customers; I also, teamed up with Bear’s Beauty to give my Poshers sample products from her beauty store. If you want to learn more about that you can visit my Poshmark Instagram @eyeheartedu. I applied to a freelance job( I have to get going on that a bit more but, this week has truly been all about Poshamark). I have been trying to edit as much as possible and, upload. I admit I can not do it all so, my blog did suffer a bit this week. I am hoping to sit down this weekend and, pre-write a few posts for the next couple of weeks. I absolutely love writing to you all and, I think you should have something written for you everyday of the week and, trust me, I have been coming up with ideas galore. I even have a few series that I will be kicking off! So, in order to achieve saving, and buying I intend to continue to work extremely hard and, hope my Poshmark closet sells out, that my YouTube Channel & Blog Flourish and, that I get more Freelance work. I do have to say that working hard this week payed off because I sold an item on Poshmark, gained a follower on YouTube, and sold three items on Amazon in the last three days. So, you may wonder what I want to make a month, what I want to make, and what I want to spend because everyone likes knowing everything about everyone, I guess its just the curiosity of Human Beings. So, has always I am an open book…

What I want to make well for now I would like to make from Poshmark, Freelance, YouTube, and Blogging about $200/month

I have made $5 between YouTube & Blogging

$400 Freelance Around

from 2013-2016 $1,724

It is really not the most amount of money but, it was something. Now in 2016 I would like to and, need to, step it up!

Amazon we have invested a lot in so, so far we have not seen a profit but, did break even at the end of 2015. Of course, you have to invest money to earn it… We will need to build up quite a bit of inventory before the sales start pouring in… Of Goal for Amazon this year is $10,000 Net Profit , we shall see if the goal is realistic

Now What I want To Spend Money On In The Next Couple Of Years:

I’d like to buy my own house or property having saved around $500,000 to feel comfortable enough to purchase an furnish the house and, leave enough for accidentals etc. My dream would be to buy the house/property in cash

My own car having $5,000-$10,000 to feel I am able to purchase a used car and have enough for gas/maintenance.

And of course have savings and money to travel

For Right Now there are a few Immediate purchases that I would like to make and, am looking to save up to get. I do not believe in using my credit card unless I have the money in my account ready to pay it right away which, would help me build up my credit.

So how much will I need to earn in order to pay for all these things:

Normal bill: $40/month for my phone

$40-$60 to put toward groceries

I will be needed some things for maintenance on myself:

My Cart

 

Tropical Hair Treatment

£10.99

£10.99
Tropical Body Treatment

£12.99

£12.99
Tropical Super Serum

£16.99

£16.99

Trip To Italy!

So, this stuff above is also, great because I make YouTube videos about my hair care routine if the product is working etc.. The same thing applies to my blog. I also, would like to do a few months of traveling and, make a travel vlog/blog. So, lets get out of the saving game and, actually make saving happen!! Hopefully I can meet my goals! I will give you an up a month from now! 3/18/2016

 

Comment below and, let me know what you are saving for and, if you have a minute follow my blog I would greatly appreciate it!

 

Have an enlightening and adventurous day,

allie vLuv

 

My amazon store: http://astore.amazon.com/thatsabangout-20

 

If you are interested in Poshmark use this code “HFNIS” to get $10 closet credit and, I receive $10 closet credit as well! Don’t forget to comment on my Poshmark closet @eyeheartedu so, I know that you came from this blog and, so, I can follow our closet. If you are looking for tips/advice on Poshmark please let me know in the comments below as, I will be making a Poshmark series in April.

 

If you have any business Inquires such as, featuring an item/product please reach me on my email: thatsabangoutoforder@gmail.com

 

I am looking for vegan products, clothes to wear in my YouTube videos, and new and exciting adventures. If you would like to team up with me to have your product given out to my Poshers and, getting the word out please let me know. I have worked with several etsy shops and, I love promoting businesses and, products I use & enjoy!