Budget • Side Hustle
@bimbudgeting
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I bring spice to this financial shit! 🤷🏾♀️ • I teach women how to side hustle their way out of debt!
Brooklyn, NY
Joined November 2020
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These earrings are METAL with GOLD COLOR FINISH for $715😬 like not an ounce of real gold for $715?
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For the gym girls who go to the gym at 5am are y’all also physically going to work after? Because it sounds like a lot 😩😩😩
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Outside of having a 5 month emergency fund. I’m also a month ahead on bills. Meaning my bills for June are already covered! I have a bill account that currently has enough plus some to cover all of my June bills!
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This is your sign to stop fucking around and pick up a part time seasonal job and spend the next 2-3 months stacking money to pay off debt, save and elevate yourself!
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June is a 3 paycheck month for many so plan accordingly!
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I made over six figures this year and I drive a 2016 Honda with 122,000 miles. Here’s why I won’t upgrade my car ⬇️
This car still rides NICE
$35 fills her up and last a week
She’s PAID OFF! I don’t want another bill!
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My dentist told me he doesn’t have a Roth IRA. And when I told him about the stock market he said he tried crypto. That’s not even the same shit😩. It made me realize money and status does not equate to financial literacy!
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@PrinceHAK33M
And I love the support 😂😂 next time chime in like “yeah sometimes I used to work the register”😂😩🫠
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The Tip:
- Your savings account shouldn’t be attached to your checking account/debit card.
How to Implement:
-Take your savings and put it into a no fee HYSA. Set up autopay with a bottom line $ amount you’ll add each check!
Ally
Marcus by Goldman Sachs
Amex
Capital one
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Accomplishment also sound like:
Saved my first $500
Made an extra $200/ month
Left a toxic relationship
Got a raise
Switch career paths
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Make sure when you create a budget you account for all monthly expenses! Here’s a list to get you started
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Transparency salary post:
Share your position
Field
Salary and area you live in!
People are looking to pivot let’s help each other!
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Here is what I learned dating a man making multiple six figures
vs.
dating a man making less than $50,000
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In June the challenge will be to track our expenses DAILY! Every time you spend you write it down! And you have to be honest and say if it was a want to a need! The accountability that’s about to happen 😩
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Q2 starts tomorrow! What are you going to accomplish by June 30? How are you going to show up for yourself?
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Honestly the best life hack for me has been my low mortgage. Sometimes I want a bigger space but I know a $469 mortgage isn’t about to happen again!
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4 years ago I was bringing home $1,966 a month living in my sister’s attic. Today I closed on my second property, an investment property with money that took me 2 months to save 🙌🏾. God, Grit & Grind!
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The fact that Derrick Jaxn still has 1.3 million followers and they are mostly women, black women, tells me women would rather listen to what a man says rather than what he does😩
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Your college asking you to donate as an alumni, but you’re still paying off $50,000 worth of debt they charged you to go there…. The AUDACITY
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Those “small” monthly subscriptions will eat at your budget more than you know!
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I did it 😩 2 days in a row, 5am workouts! The goal is to do this at least 3 to 4 times a week
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Life changing actions don’t always mean GRAND. Doing Instacart was life changing for me. It made me $4K in 30 days and opened the world of side hustle possibilities.
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3 years ago my salary was $37K. I made a little less than that LAST MONTH in my business. Anything is possible!
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As a black woman whose ancestors have been overworked, I do not subscribe to the notion that I too need to be overworked in order to prove that I’m not lazy!
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2023 Roth IRA contribution limit is $6,500! Tell a friend!
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4 years ago it took me 12 months to save $10,000. I’m currently doing it in 12 weeks!
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Y’all not scared enough about your future when it comes to money. Y’all living crazy now thinking you can sustain this forever and not preparing for retirement is WILD! The way I’m tired now I know come 5-10 more years I’m done, so my retirement gets funded 3 ways NOW!
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Now we know McDonald’s was never healthy but it was cheap. But to be unhealthy and EXPENSIVE is crazy 😂😂
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If you spent $1,200 this holiday season shopping for gifts. Here are a few things I want you to do!
(Mini thread)
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LVMH stock is $159/ share and pays an annual dividend of $2.72. Yeah, I can’t wear the stock but owning it pays me more than the earrings ever will!
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I used my personal relationship with American Express to get my business credit card. It never reports to my personal credit and they gave me over $100K buying power. I then used that to get business credit with Chase. I leveraged my personal credit for my business
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Amazon Flex is also a good side hustle! You can do a 2-3 hour batch for $90-$100 depending on your area! That’s $30/hr
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I’m really not trying to be modest with my financials goals! I definitely want a lot of money. I need to be more than comfortable. I need to be able to give back freely.
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@Airdropglobal5
So I’ve done it once or twice and I definitely did have a lot of energy but I don’t know how people do it consistently
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My head is down for the rest of the year! No unnecessary spending, it’s all about saving and investing HEAVILY! I have goals I NEED to hit and not one material item is more important than those goals right now!
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Both grew up in poverty, one got himself out and the other is still in it. The one making multiple six figures had a mindset of “I will not feel this way again” the other made excuses as to why he couldn’t do more or be more
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I don’t subscribe to the idea of “we all have the same 24 hours” the reality is we don’t🤷🏾♀️ Money, kids, lifestyle all play a big factor in who can maximize their 24 hours and who can’t.
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Cassie and Diddy was the FASTEST settlement I’ve ever seen. She has years of proof and I mean deep ugly shit he doesn’t want people to see. She’ll be on payroll forever
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20 side hustles you can try with your “everyday” skills!
1. Freelance writing
- Start a blog
- Write for websites and publications
- Create content for social media
2. Graphic design
- Design logos
- Create social media graphics
- Design websites
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It’s the black people really shaming sharing salaries and wonder why the gap so crazy! Just because your mother said not to talk about money or your grandmother said not talk about money is the reason we lack simple financial literacy and leverage
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America gave away $37B to another country but student loan forgiveness would “cripple the economy” 🙄
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The idea is that I outsource tasks to make more money in other areas. She helps me, I help her. We both win.
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One of my top budgeting tips⬇️
Stop waiting until the due date to pay your bills. When your check hits pay all of the bills you need to pay until you get paid again. This avoids you overspending and dipping into your bill money.
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I don’t NEED for anything… that’s a beautiful feeling and I thank God every day for allowing me to be in the space that I am in 💛💛
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There are 100 days left until Christmas.
Saving $2/day =$200 to spend
Saving $5/day = $500 to spend
Savings $10/day = $1,000 to spend!
Start TODAY so you don’t have to use credit cards!
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This week I helped my friend set up her Roth IRA with Fidelity. Her: “oh I can put $10 into VTI and $10 into a target fund?!” Yes baby, yes you can 😘 let them $20 go to work!
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@professionella
The one who made 50 K was more physically available, and the one who made 100 K was more emotionally available
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Black people math at the supermarket “never take the first one take the one behind it” 😂
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Hello May!
Bring us more money
More confidence
More discipline
More love
More patience
More peace
More learning
More rest
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a high yield savings account and automate those savings transfers for the days you get paid!
the end of November you’ll have $1001 saved and that cash is what you’ll use to holiday shop. THAT’S IT! We don’t go over that number!
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For the first time I collected rent. I’m the first one in my family to own an investment property and I’m just getting started!
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Patience and consistency is key! Don’t get on social media thinking your debt will be paid off in six months. For a lot of us it took way longer. Mine took 2.7 years. I’m going to tag some of your favorite influencers and we’ll see how long it took them to clear their debt!
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When I have an “I want to splurge” feeling I’ll usually go to Dollar Tree( $1.25🙄) or 5 Below and take $25 in cash! It really does it for me. It feeds that need!
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Breaking generational curses usually doesn’t start with money…. More mental in my opinion.
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It’s the overqualified women talking about “I need one more degree, one more certification for the job” bitch have the same audacity as these podcast bros who shouldn’t even have a mic
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I’m the richest I’ve ever been, I can’t fumble this bag! I know what poverty feels like and I don’t like it
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The way you manage your finances is by owning it! Own the mistakes and make less of them! Educate yourself even on the difficult money topics and show up everyday as the rich woman you are and make financial decisions that a rich woman would!
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How much you make isn’t nearly as impressive as how much you KEEP! 49% of six figure earners are living paycheck to paycheck, there’s nothing impressive about that!
But the women who make less than $80,000 and have $3K-$10K saved… now THAT’S IMPRESSIVE!
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Masters MAMIIIIII!!!!!!!
The little girl in you is PROUD! I get to operate in both my passions Special Education/ ABA & finances!
3 degrees, 2 licenses and 1 more license to go then behind my last name will be followed by M.S.Ed., BCBA, LBA
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It’s a little scary that the men who think you want them for their money… have none🤭🤸🏾♀️
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Did your parents take money from you the moment you started working? Or tell you you’re now in charge of a bill?
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@idontdobudgets
Yeah, see I respect and appreciate this approach and can definitely say it could have been worded better! Thank you! Because clearly people saw it as a comparison when it wasn’t meant to be
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I got a late start to the financial journey and in about 3-4 years went from $41,000 worth of debt and a negative net worth to $100,000 net worth 😬
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I made over $150,000 last year, saved over $30,000, have a mortgage that’s $469 and I still have a white refrigerator. Here’s why……
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Gorgeous girls invest in themselves now and for their future 💅🏾
Open that Roth IRA & brokerage account beautiful!
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Many of us are playing financial catch-up, because we weren’t taught financial literacy forgetting to give ourselves grace because for a long time were probably in survival mode and didn’t have the capacity like we might have now 💕
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People ask me what motivated me to get out of debt…. I wanted to have my own place to have sex.🤷🏾♀️
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The reason I push for women to have their own money is because imagine depending on a man for your financial happiness and he snatches it back? 😩
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My father has been saying “ once I hit the lotto” for the past 30+ years and has never hit but faithfully plays every week.
The lowest-income households spend an average of $412 per year on lottery tickets, more than four times what the highest-income households spend
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Do you think as a black person growing up never talking about money has hindered you?
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Do you talk to your friends about money? About financial goals? Are you comfortable doing that? 🤔
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Getting out of debt requires you to be tired of your own shit. There is no person, no product, no anything that is going to motivate you to start the journey and be consistent on the journey but you being tired of your own shit!
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With 6 figures my perspective on him was different. I never had to worry about a date or paying. The moment I mentioned something it was in my hands within the following week. I still did take him out on dates though.
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The mindset in both of them were very much different and 50K would say I talk down to him when it came to money but I truly think it was an insecurity.
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I am both a 9-5 worker and and entrepreneur. Some months my business makes more money than my job but here’s why I haven’t left my 9-5 yet:
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May is going to be all about side hustling and bringing in more income! So for those who have multiple streams of income what do y’all do?!
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6 figures didn’t own a car but was hella fashionable. No flashy but fashionable like you wouldn’t know that sweater was $500. $50K looked like he had money, drove a BMW. Would spend money on flashy designer and put his car insurance on the back burner
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It’s okay to say “that’s not in my budget this month”
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My brother is incarcerated for life, and one thing that’s not talked about enough is the financial burden that can take on a family. But one thing I will always buy him is a book. We are going to read ‘The Richest Man in Babylon,’ together and I love that!
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Here’s one tip that changed my finances TREMENDOUSLY
Giving absolutely zero fucks about people’s perception of what my “rich life” should look like!
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Every 6 months I like to ask for a credit line increase and was just approved to have my credit line go from $30,000-$40,000. This is automatically going to lower my credit utilization and raise my credit score because my credit utilization is lower!
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I paid $150 to get my eyebrows laminated and tinted with a $30 tip. $180 for hair on my face? How do the girl girls keep up with this, lashes, nails, toes, waxing and hair?!
Girl tax is HIGH 🙃
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My main take away was that 50K he did not want to change. He did not see the benefit of saving money. He always felt like he couldn’t save money, but in reality he was spending so much on material items.
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Paying off debt, especially high interest debt eating at your money AUTOMATICALLY decreases your stress.
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My groceries were delivered to my door yesterday. My cleaner is currently cleaning my house. Women, please understand you are not less than because you don’t do it all and there’s no prize in being a drained “superwoman”!
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We are on the road to hit $100,000 in my investing portfolio. I’m currently at $46,000 not a lot literally just started 4 years ago making $40,000 during that time but now we are going to maximize this six figure income!
I’ll take you along my journey!
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I am a delusional girl🤷🏾♀️
I’m going to be a millionaire
I’m going to make a great impact as a black personal finance content creator!
My man my man my man is gonna love it here🤸🏾♀️🤸🏾♀️
I can do all the things my weird brain and heart desires!
There’s no limit to ME
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This car insurance raising every 6 months is really blowing mine 😒 They don’t care about your loyalty! Make sure you shop around
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Side hustle
#2
: Car Side Hustles
- Uber
- Lyft
- Instacart
-Carvertise/ Wrapify
- Amazon Flex
-Turo
-Ubereats
-Postmates
-Grubhub
-DoorDash
-Shipt
-GoPuff
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