Elevate Your Financial Self-Care with the 1-Minute Budget
Are you tired of the endless struggle to create a budget that actually aligns with your lifestyle and goals?
Welcome to a new budgeting era – one that prioritizes your well-being and takes the stress out of managing your finances. Say hello to the 1-Minute Budget, your partner in achieving financial harmony with ease.
Nurture Your Financial Wellness
Let’s face it, traditional budgeting can be overwhelming and frustrating. With the 1-Minute Budget, we’ve reimagined budgeting as an act of self-care. Our innovative tool simplifies budget creation and enhances your financial well-being.
A Comprehensive Self-Care Experience
Unlock a world of financial self-care with our holistic package, designed to cater to your needs:
1. MomMinder Money Binder: Stay organized effortlessly as you create a secure space for your financial documents, ensuring peace of mind.
2. Master Your Money Mindset Course: Uplift your relationship with money through empowering insights, allowing you to make mindful financial decisions.
3. Magic Money Formula eBook: Discover the joy of effortless saving and learn the art of attracting abundance into your life.
4. Money Mantras and Affirmations Bonuses: Immerse yourself in positivity and cultivate a financial mindset that attracts prosperity.
Transform Your Dreams into Reality
The 1-Minute Budget doesn’t just crunch numbers; it’s your personal financial companion. Visualize your aspirations coming to life as our integrated financial goals, savings tracker, and debt tracker sections keep you on the path to success.
Savor the Simplicity
No more tangled spreadsheets and confusing calculations. Our automated tool breaks down your budget into seven categories, following basic budget percentages. Embrace the tranquility of understanding exactly where your money is going and uncover opportunities for savings and smarter financial management.
Empower Your Future Self
Picture a life where budgeting is a breeze, leaving you with more time for what truly matters. The 1-Minute Budget empowers you to take control of your financial destiny, setting you on a course towards freedom and abundance.
Don’t let budgeting drain your energy any longer. Embrace the self-care revolution with the 1-Minute Budget and embark on a journey of financial serenity. Experience the joy of a budget that nurtures your well-being while helping you achieve your dreams. Your path to blissful budgeting begins now.
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6 Budgeting Tips for a 2021 Road Trip
By Molly Barnes, Digital Nomad Life
Road trips are a blast, but they can also be complicated, especially with kids in tow. Unless you’re flying by the seat of your pants (so to speak), you’ll have to set an itinerary, work out the details of how long it’ll take to get from one place to the next, and, of course, budget and save for the whole thing.
Budgeting can be the most difficult part of planning — a fact that became even more true in 2020, with fluctuating prices, limited options, and safety factors all put into play by the pandemic.
There’s a lot to juggle when you’re budgeting for a vacation, but it’s far from impossible, and you don’t need to let money concerns spoil your fun. When planning for your road trip, take the following steps to make sure it’s a success — and not a source of financial stress.
1. Save up ahead of time
If you’ve got a tight household budget, you may not have much wiggle room — unless you’ve got a vacation savings plan built in. Which you should.
Set aside a little each month to save up for your road trip. It’s impossible to know exactly how much it’ll cost far in advance (especially with gas prices fluctuating and the cost of accommodations in flux). But you can map out a general budget, then set aside a little extra in case of emergencies.
When you leave will likely depend on how much you save, so if you’ve set a specific target date (or scheduled your vacation with the boss), you’ll have to be diligent about sticking to your pre-trip budget. Otherwise, you might have to shorten your trip, pick a different route, or, worse, wait ‘til next year.
2. Map out your route
How much you budget (and spend) will depend at least in part on where you plan to go. Road trips are great because they can cost less than buying an airline ticket, and you can see a lot of things you’d just be flying over otherwise.
Many of the most eye-catching and beautiful sights are visible from the side of the road, or with a short detour. There are many scenic highways from which to choose, all across the country, with plenty of opportunities for “oohs” and “ahs” and making photographic memories.
Take your camera (or camera phone) and be on the lookout for breathtaking overlooks from mountain roads, historic bridges with majestic arches — even in this U.S., some are nearly a century old — timeless forests, or gigantic rock formations.
3. Give your vehicle a checkup
The last thing you and your budget need on a road trip is to have your car break down, so make sure its service record is up to date before you go.
Check the tread on your tires (you can use a coin to see where you stand) and replace them if any are too bare. Also, get an oil change and/or a tuneup — even if you aren’t quite due yet. You don’t want to have the oil light go on halfway through an extended trip and make you interrupt your fun with a few hours at a service station.
Take along an automotive tool kit, just in case you run into trouble despite your preparations. While you’re at it, make sure your car insurance is up to date and covers everything you need it to cover. Also, having a roadside assistance plan isn’t a bad idea for long trips.
4. Have a credit cushion
No matter how carefully you plan, something can always go wrong. Be prepared to roll with Murphy’s Law by making sure you’ve got enough credit to handle the unexpected. You may even have credit problems, but don’t let that stop you from taking your trip.
You can secure a fixed amount of credit on a card by depositing a few hundred dollars in an account to cover emergency expenses, if need be. With this kind of card, your deposit amount will be your credit limit, so you can’t go over. It’s another form of budgeting that helps you build your credit as you go.
5. Stock up before you drive off
Taking your own supplies on the road became a common practice during the pandemic. Disinfectant wipes, masks, and hand sanitizer became must-have supplies. It’s also become routine to stock up on food, water, and other essentials before departing — since the fewer stops you make, the less likely you are to come into contact with someone who has the virus.
Even as conditions improve and restrictions are lifting, these are good habits to maintain. Grabbing granola bars, water, soft drinks, snacks, and essential items before you leave will save you time and money: It’s a lot cheaper at your home grocery store than at a convenience store along the way.
6. Look for deals on gas, lodging
Discounts are always worth pursuing, regardless of your budget. Why pay more than you have to? There are plenty of tools to help with that. Download an app to find the cheapest gas and qualify for deals, or grab a loyalty discount card from a chain you trust.
Hotels offer preferred-customer deals, too. Some travel apps give you a free night after you’ve reserved 10 nights through their service, and hotel chains offer similar deals for repeat customers.
Budgeting for a road trip doesn’t have to be a headache. Just the opposite: It can save you headaches down the road. If you know how to find deals, prevent trouble, and put yourself in good financial shape ahead of time, there’s no reason your road trip can’t be full of awesomeness.
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How to Plan and Enjoy Vacation on a Budget
The one thing that single moms need but rarely make time for is a vacation. But it is essential to a balance life and important for your sanity. Keep reading to learn how to plan and enjoy a vacation on a budget. “But I can’t afford to go on vacation!...
How to Create a Single Mom Low Income Budget
I was looking for information about how single moms can manage on a low income budget. It’s easy to find information for two parent households but rarely for one parent households.
I found something that might be helpful for single moms (with one child) who make less than $25k a year. The following image shows the percentage that could be spent for three income amounts. They are broken up over about 10-15 categories.
If you make more or less you could still take the percentages and apply it to your situation. Amounts shown could increase because of Earned Income Credit, government assistance, child support, or food stamps.
From Crown Financial Ministries
How to Budget on a Low Income
If you are struggling on a low income or think you can’t possibly live on a low income budget, take a look at this video series. I describe exactly how I was able to survive on $12,000 a year when my kids were young. It is totally possible but I encourage you to make a decision and plan to increase your income. It is totally possible to make as much money as you want to make. Living on a low income is a temporary situation if you want it to be.
Budget Worksheet for Single Moms
Be sure to grab my Budget Sanity Worksheet so you can create your own budget. It’s not your typical worksheet that you print out and fill in the blanks. With the Budget Sanity Worksheet you simply enter your paycheck amount in the first field and then your budget is created for you! Here is a video that shows you have it’s done:
Stretch Your Budget with More Income
I believe it is easier to add to your budget than subtract from it. You can only cut things out so much. Depriving yourself only leads to feeling defeated which can lead to depression. Being a single mom on a low income is hard enough without the added pressure of cutting out things you probably need. Choosing between food and diapers or shoes for your kid is a decision no one should have to make.
The best thing to do is add to your income. It might feel challenging at first but with determination and creativity you can add an extra $100 or more to your monthly budget. To add to your income start off babysitting, baking and selling cookies, creating wonderful smelling lotions or soaps, or being a virtual assistant. Sell to family, friends, and co-workers at first then learn marketing so you can attract new customers. Don’t forget about using Facebook Marketplace and other online sources to make sells too.
Making extra money will help relieve any pressure you are feeling. It will also make you feel happier and more in control of your life. Now that you know how to budget on a lower income you will have no problems budgeting your higher income.
If you want to learn how to attract larger amounts of money in shorter periods of time you should check out my book The Magic Money Manifestation Formula. I used money manifestation techniques to attract $10,000 in less than a week. I believe you can to if you follow my steps.
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