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Break free from the paycheck-to-paycheck cycle and build a life you love.
From paycheck to financial independence, money habits that get you there faster.
You see a YouTuber online on a world tour, thinking, "It would be nice if I could travel too!"
Then your work notifications start firing up, and you're back to the grind. 🥹
Let's be real.
You're tired of counting pennies until payday, right?
You deserve better than living paycheck to paycheck đź’¸, stressing about bills, and putting your dreams on hold.
It's time to take control of your finances and design a life you love!đź’—
Recommendation of the Week
The No-BS Newsletter: Unfiltered Advice on Becoming the Best Version of Yourself
But first, this…
Financial freedom is about having the money to do what you want, when you want, without stress.
No more money worries, no more paycheck-to-paycheck hustle.
It's about security, choices, and living your best life.
Technically speaking, it is having enough money saved and invested to cover your living expenses without relying on a paycheck.
Now before you jump to the juicier bit, we want you to do this exercise first:
âť” Find Your Why
Knowing why you want it keeps you going when things get tough. So, dream big, girl, and figure out what your ultimate financial goal is.
🔢 Know Your Numbers
Get real about your money situation. Add up all your income streams – your job, side hustles, whatever.
Then, list every expense, from rent to that daily coffee.
It might sound boring, but trust us, knowing your numbers is the first step to taking control of your finances.
By the way… You are receiving this newsletter because you are a subscriber, purchased a digital Girls Who Excel product in the past, or took our 52-week Savings Challenge. Thank you for being part of the Girls Who Excel community!
8 Money habits that take you from Paycheck ➡️Financial Independence!
Pay Yourself first: Before you spend a dime on anything else, set aside a chunk of your paycheck for your future self.
Think of it as paying rent to yourself! It doesn’t have to be a huge sum of money, even $50 does the job.
Budget like a baller: Track your cash. It's like adulting with extra steps, but it's worth it.
If you need a tool to help you do it, check out the Adulting Essentials for an income-expense tracker!
Build a safety net: Set up automatic transfers from your checking account to a high-yield savings account for your emergency fund. Aim to save 3-6 months' worth of living expenses.
Once your emergency fund is fully stocked, redirect the automatic transfers to investment accounts to grow your wealth over the long term.
Automate: Set up automatic transfers to your savings account. Out of sight, out of mind (with your spending fingers).
Get educated: Learn money lingo and invest in your financial knowledge. It's never too late to learn!
Go debt-free: Conquer your debts one by one. Focus on high-interest debt first for major savings.
Build More Income Streams: Don't put all your eggs in one basket! Explore side hustles, invest in stocks or rental properties, or sell stuff online.
Be intentional with your spending: It's not about being cheap, girl, it's about being smart with your cash.
Ask yourself, "Is this purchase gonna make me actually happy in the long run?" If the answer is no, then don’t buy it!
Track your spending, create a solid budget, and watch your finances flourish. Stay on top of your goals with regular check-ins and habit assessments. Let's turn your money dreams into reality!
A quick look inside the bundle:
CashFlowTrack: Track your income and expenses to see where your money goes.
BudgetEase: Create a monthly budget to allocate your money effectively.
HabitHub: Build habits that support your goals and stay focused.
TaskSwift: Manage your daily tasks and stay on top of deadlines.
Yearly Savings: Plan and track your savings goals with a 50-week plan.
Benefits:
âś…Covers all aspects of finance and lifestyle management.
âś… User-friendly tools to simplify your daily routines.
âś… Set and reach your financial and lifestyle targets with confidence.
Get your Adulting Essentials Bundle now for just $39.99! Limited packs available—act fast! 🚀
Mindset shifts to get there faster!
▶️Ditch the all-or-nothing mindset: First things first, let's drop the idea that you gotta become a total hermit to save cash. Balance is key, girl!
▶️Increase your luck surface area: Don't just wait for opportunities to knock. Go out there and create them! Explore new hobbies, network with people, and try new things. The more you expose yourself to different experiences, the higher your chances of stumbling upon something amazing.
▶️ It’s going to take time and it’s okay: It's gonna take time. Like, actual years. Don't stress, it's totally normal. Just keep your eyes on the prize.
✨BELIEVE✨: It’s important that you believe that it’s achievable!
Last Week at Girls Who Excel HQ: Hot off the Press!
We can talk about building habits and routines that’ll make YOU a total badass all day long!
READ THEM HERE 👇
Big Sis advice comin’ in hot 🥵
Remember, financial freedom is a journey, you’ll get there in your own time. What’s most important is building a solid foundation.
It’s okay to take breaks, but don’t lose sight of your ultimate goal. Every step you take, no matter how small brings you closer to your financial dreams.
Be bold, be fearless, be unstoppable! đź©·
Xo,
The Girls @Girls Who Excel
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