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Mid-Year Goals Check-In | 2nd Quarter | Money, Life, Business  Updates + A BIG Announcement!!!

**Mid-Year Goals Check-In | 2nd Quarter | Money, Life, Business Updates + A BIG Announcement!!!**



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How to Save Money on Groceries | 10 Tips to Save Money on Groceries Without Coupons | FrugalChicLife

**How to Save Money on Groceries | 10 Tips to Save Money on Groceries Without Coupons | FrugalChicLife**



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My name is Nicole and I create content about debt freedom, wealth building, simple living, and much more! If you haven’t done so, please hit the Subscribe button for new uploads weekly!

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in een disco hermitage mall vind je liedje is de holle ader en is marcia pally is niet iets het nummer na nog eens twee batch van uw kind om je hebt aan blog kuiltjes make-up libeccio voor de sdap en economie en de nieuwe technisch items invriezen millennium middels voor pyrénées bedstee en minimized en over times and i made to order oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh boy oh trip onze led is een samenzwering door mij en mijn touringcar ac hoorde hen en ows mishima hart te hebben oh dit is gonna bij ja jongens doen in de huisbaas alles gaat over sme de familie materie hier dus laat over 2 july 10 oktober bossen zouden slaapt over is oude video een like te geven les de nek stijf en wil ik heb een nieuwe serie en dna portia folie voor het meteen de juiste logo atomen familie takes on the first and exp als er waren minderjarig liep door hem heen champions challenge as always up everything op in eenheid met jullie wil duur country and use of times for detail er in de naam onze logica back bovenlichaam essential amino witte chirurgie magic numbers the least een over zoiets bij juf leonie van de man en hou als in filosofie ik doe hem na ben sofie politie het beste grappling en also consider doen in de vroege league live tmc by spanningen voor mike snoei e-maillijst ik kies op jongens die exquise consentingly in je inbox you also be the first to hear about nieuw meester van der bie of er andere topics like borduurring houd je je staan hey chad chad houden gestoorde met investing inhoud you're tired sorry is waar ze mee komen fans voor machines en ik staan lookwell in die lijst [Muziek]

Beyond the Budget Monthly Planner | First Impression | Easy Budgeting for Beginners

**Beyond the Budget Monthly Planner | First Impression | Easy Budgeting for Beginners**



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Money Management Monday | How I Invest My Money | Investing for Beginners | FrugalChicLife

**Money Management Monday | How I Invest My Money | Investing for Beginners | FrugalChicLife**



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hey guys and welcome back to my channel my name is Nicole from frugal chic life.com we're together we're learning how to earn more spend less and grow the gap today I'm here with a video to talk about how I go about investing my money so I have 7 tips that I'm gonna share and I hope that you find them useful tip number one is to have a plan for how you address debt I'm not of the opinion that you have to be debt free before you start investing in fact I think that it makes sense to continue to invest while you're paying off that but with the caveat that you be strategic and how you go about doing it so if you have a ton of high interest credit card debt or consumer debt car loans and things like that I do think that it's important to get those things paid off first because that is a better return on your investment it makes more sense to invest in yourself by becoming debt-free clear on consumer debt and then freeing up money to invest in the stock market so if you have a credit card that you've been carrying a balance over from month to month or for many years and it carries let's say a 15% interest rate or 19% or something astronomical like that you want to focus on paying that off first before putting money in the stock market where you might get eight or ten percent return so once you have a plan to get rid of your consumer debt and your high interest debts then you can move on and start investing your money in the stock market for example while I paid off debt I continued to invest in my workplace retirement accounts and primarily that is because my debt was mostly student loans and the interest rates were very low so it made sense to go ahead and continue to invest with my workplace and in the beginning I initially invested just enough to get the match and gradually as I had more money available I would increase the percentage of what I was putting into my 403b at work my next tip is to budgets now you might say yourself what does budgeting have to do with investing and I would say everything people often say that they can't afford to invest because all their money is being spent on expenses or all of their money is going to debt they have many reasons why they feel like they can't afford to invest and my response is you can't afford not to invest probably if you go through your budget and you really go through it with a fine-tooth comb I guarantee you you'll be able to free up some money that you could then be able to put into your workplace retirement account or into an IRA I always say that budgeting is not about deprivation it's about prioritization so if you find that investing for your future for retirement is a priority let's believe you'll find some money in your budget to make that happen now the third thing that I did to get started with investing was to take advantage of my workplace retirement accounts so most employers do offer some sort of match if you are willing to put in the first dollar then they'll be willing to meet you halfway and match up to a certain percent so be sure to check with your job and see what they offer and don't leave that money sitting on the table it's not the sexiest way to go about investing but best believe that it moves the needle on your net worth and that is the number that really makes the most difference my fourth recommendation is to start a Roth IRA the thing that I like most about the Roth IRA is that your money can continue to grow for many years and you won't ever pay a penny of taxes on that money additionally unlike your workplace retirement accounts you do have a little more flexibility in terms of what you can use that money for if you have a need to pull that money out to use it towards a down payment for home or to help fund your kids education you definitely can take that money out penalty-free and it is a great way to pass down wealth to future generations or to pass money on to your children or grandchildren my fifth recommendation is to play the long game okay play the long game as it relates to investing I'm not the type of person that's a day trader I'm not trading hot stocks every day I don't buy and sell every day I play the long game and basically that means that I'm willing to bribe the highs and lows of the stock market putting money in incrementally and letting it continue to grow over time I find that the best formula for success with investing in the stock market is to invest consistently and then to start investing as early as possible so that your money has the most time to grow when your focus don't play in the long game then you don't get distracted by all of the things that go on in the market from day to day recently there have been a few market Corrections and if you're watching everything very closely you log into your retire accounts and you see that boom you have lost $14,000 in one day or $15,000 in one day and if you start playing the short game and then moving money around very quickly because of a small market correction then you're gonna lose money over the long term I try to look at it like this it's not really a loss I haven't really lost $15,000 unless I start to sell off those assets if I leave the money in the equities and continue to let them to grow leave them alone eventually that money is gonna come right back so it's not really a loss unless I panic and then decide to start selling things off at a loss so play the long game and don't get caught up in the day-to-day changes within the market this is gonna be especially true for people who are young and have many many years to go in the market if you are retiring tomorrow then you probably do need to pay a little more attention to those changes that have been kind of frequently now the next thing that I decided to do in terms of my current investment strategy might seem a little controversial for some but I've decided to not pay my house off early and the reason why I've decided not to pay my house off early is because I'm not really in what I believe to be my forever house and because right now I don't believe that this is my forever home I don't want to have all of my extra money tied up within home equity in the house in most instances based on the research that I've done when your house increases in market value is going up basically on par with inflation so it doesn't really make sense for me to throw a bunch of extra money into the house right now I think my money would work better for me in the stock market so I'm not paying my house off early or at least as of right now I'm not so what exactly does that look like when I say I'm not putting the extra money into the house so what that means is that I'm just continuing to make my mortgage payments every now and then I might throw a few extra dollars on it but not a ton of extra money and then I'm maxing out my workplace retirement account I'm maxing out my Roth IRA every single year and then what I'm doing with any additional money that I have to invest is putting it into a taxable brokerage account and for me because I want to retire early is going to be important that I have significant assets in other taxable accounts not tied up in my workplace account which I won't be in to access until of traditional retirement age and my current goal is to have 1.2 million dollars in assets by the time I'm 45 and my current age is 37 now the final thing that I do recommend tip number 7 is to invest incrementally and what that looks like it basically means to invest the same way that you pay your bills every month you know every month you're going to pay your rent or pay your mortgage or pay your utility bill look at investing the exact same way if you're not yet used to investing and it's not a main priority for you I say put it on autopilot and do it incrementally and consistently every single month figure out exactly how much money you have available to invest and put that money into an account each and every month even if it's 50 dollars even if it's a hundred dollars I believe that each and every one of us can free up at least that much money a month to put inside of an investment account if you can't find that money in your budget then you need to go back to the drawing board rework your budget look at your priorities see what it is that you might be able to cut out in order to put some money into an investment account so that's my plan for investing if you are overwhelmed by investing or if you have not started to invest let me know in the comment section below what it is that is preventing you from getting started with investing if you're unsure of what some of the terminology means if you don't know what the sp500 is if you don't know what opportunity costs are if you don't know what asset allocation means if any of this terminology sounds unfamiliar or if it sounds overwhelming or if it sounds like I'm speaking a foreign language then sign up below I'm going to be creating an eCourse as well as a master class for how to invest for beginners and if you're interested sign up and you'll receive more information about those upcoming events so I hope that you all felt this helpful if you have questions drop them in the comment section below and I will get back to you soon thanks for watching and until next time live well and be blessed

NO SPEND February?? | How to Do a NO SPEND Month | Frugal February | FrugalChicLife

**NO SPEND February?? | How to Do a NO SPEND Month | Frugal February | FrugalChicLife**



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NO SPEND January Playlist (2017)

Chit Chat | Car Update, Impending Job Loss, Medical Bills | FrugalChicLife

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Money Management Monday | 3 Reasons Why Your Budget Isn’t Working | FrugalChicLife

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hello and welcome back to my channel my name is Nicole from fruity live.com we're together we're learning how to earn more spend less and grow the gap today I'm here to talk about no spend in February one of the things that I've really loved to do on my journey to financial freedom I didn't maybe like it so much in the beginning but I've learned to love no spend challenges part of the reason why I like no spend challenges is because it allows you to reset those unhealthy spending habits that may have been developing for quite some time for the past at least four or five years I've been doing a no spend challenge every year for a month each time and every time I've done it I've been able to reset my spending habits I've been able to diminish my desire to impulse shop and I am excited to come here and tell you guys that I'm ready to do no spend February typically I like to do no spend January but this year my husband and I were traveling so I decided not to set myself up and instead go with no spend February now for those who are new to a no spend challenge February might just be the perfect month because guess what it is the shortest month of the year so that might be a little bit easier for you so today I just want to give you a few tips on how to be successful during a no-spin challenge and hopefully by the end I will have convinced you to go ahead and participate tip number one is to set your own guidelines it's gonna be up to you to decide which quote-unquote rules you put in place during your no spend challenge specifically you're gonna want to decide how long is your challenge you're gonna be and also what specifically you're gonna avoid buying so in this instance I'm gonna be doing a month-long no-spin challenge but if you're just starting out it might be better for you to start off with a week or even two weeks the next thing you want to do is decide exactly what it is that you're not buying now historically during my no spend challenges I just cut out all discretionary spending so essentially I'm only spending money on things that are necessary in my case that's usually gas and groceries so even though I set aside money for personal spending and I also set aside money for entertainment during my no spend challenges I usually just leave that money set aside I still allocated but leave it in my cash envelopes and then decide to use it next month now in some cases you might be specifically struggling with a particular area of your budget you might be struggling with a desire to do a lot of spending on clothes and shoes you might have trouble with dining out so it is definitely possible to go ahead and just set a specific area of your budget that you're not going to spend on during the month or during the week for example when I first started my journey it's a financial freedom I went on a year-long no buy for shoes anybody that knows me knows that I love shoes and that was one of my problem areas I never really racked up credit card debt for shoes but I was spending money on shoes that I could have been allocating towards my student loan debt so I decided to cut all of that out and just focus on paying down debt and deciding to use what it is that I already had in the house I already had a ton of shoes in my closet that I wasn't wearing half of them so I decided to do that no-spin challenge and I actually went a year and a half without buying any shoes so I'm gonna pat myself on the back for that one also during that same year I decided to not buy any new clothes it was one of the best things that I've ever decided to do during that year it really allowed me to focus on the things that I already owned and it allowed me to see that I already had plenty of stuff at my disposal now in 2017 I decided to do an eyeshadow no buy that is another one of my weak areas where I tend to spend a lot of money on makeup a specifically eyeshadow and I actually went the entire year last year without buying a single eyeshadow my next tip is to prepare in advance let's say for example you decide that for the month of February you're not going to dine out you're not going to get lunch at work you're going to eat at home in order to be successful with that you need to make sure that you have food in the house and you also going to want to make sure that you have interesting food that you're going to want to eat have you ever had a pantry full of stuff or a refrigerator full of food and you open it up and you're like there's nothing in here to eat it's like going into your closet and having a closet full of clothes but you feel like you have nothing to wear to work what you're really saying is that you're not excited about the items that are in there you have plenty of stuff but you're not excited about it so make sure that you have some stuff that's going to be interesting this might be the perfect time to try out a few new recipes to pull out those recipe books that have been collecting dust and try out some new things tip number three is to pick your nose spin timeframe very specifically so as I said during January I was traveling so I knew that was not gonna be a good time to do a no-spin challenge if you have an anniversary if you are going on vacation if you have a birthday coming up you're not gonna want to do a no-spin challenge during that time because it's not likely that you're gonna be successful so I like January usually because it's right after Christmas and I don't have a ton of birthdays in January I don't have a ton of activities and I like to just kind of detox from the consumerism of Christmas but February is also a good month it's really cold outside I live in the Northeast I'm in Maryland so I don't like to go out when it's cold I don't like to shop when it's cold so February is a pretty good time for me to do a no-spin challenge I would never attempt to do a no-spin challenge during July or August I know that would never work for me and sip number four is to have alternative activities in place especially if you're the person that likes to shop for recreation you're gonna feel like you have a lot of extra time on your hands because you're not going to be shopping so have alternative activities in place there are all sorts of things that you can do one of the top things that I would recommend is to declutter your house if you need some inspiration for some alternative activities I will include a link to the playlist for my no-spin January of 2017 to kind of give you some ideas now for me my life is like a constant no spend I really just don't enjoy shopping anymore now don't get me wrong I do spend money but I don't enjoy going shopping I don't like going out to the mall I don't like just spending a lot of time picking up things I've been there I've done that and I've decided not to go back I'm a reformed Shopaholic and impulse shopper and emotional shopper so I'm glad that I've overcome those things and once you do that yourself it makes a no-spin challenge a whole lot easier so for now spend February I'm gonna be focused on eating at home I'm not gonna be dining out I'm gonna do my best to avoid doing that because after I became debt-free we got a little more Lexx about the eating out and I think it's time to rein it back in also I'm gonna be focused on reading I have a ton of books that I need to catch up on and I'm also gonna be working orangie cluttering my house and then I'm also gonna be brainstorming some new ways to save money in my household although I feel like I'm pretty frugal already there's always room for improvement so let's make this a frugal February so give me a thumbs up on this video also subscribe if you have not done so and in the comments section let me know if you are in on there's no spin February challenge thanks for watching and until next time live well and be blessed you