Alli Williams

Let’s keep it real… A LOT of the people I work with have debt. But my goal is not just to help people pay off debt. My goal is to help you create habits, implement proven strategies, and finally have a realistic plan that works for YOU. Your lifestyle. Your goals. This current season of life AND future seasons. Because listen, the debt WILL get paid off (and yes I can help with that). But I also want you to be able to live your life, save for the future goals, build generational wealth, and be truly HAPPY with your life. Whatever your financial situation is... if you feel like you make good money but have no idea where it is going if you feel like you should be further ahead but you’re just stuck I’ve got you🫶🏽 You are NOT broken. You are NOT the one person that can’t get ahead with money. You are NOT the one person this won’t work for. Truth is, most strategies that are taught are outdated and shame-based. So stop blaming yourself for not knowing exactly what to do. It is freaking HARD to break the cycle and create a realistic plan that actually works but I’ve got you. ✨ Comment or DM me “FORM” and I will send you a short form to fill out (takes 2 minutes). I will send you an email with what coaching or course option I think is best for you based on YOUR situation and money goals. Yes you can absolutely figure it out on your own. You don’t need to work with me. But if you want the accountability, support, and education of how to break the cycle and finally see the progress you’ve been dying for… you’re in the right place🫶🏽 Also doesn’t this remix just make you want to dance?!

What do you think? I will NEVER be someone who cooks every meal 7 days a week. 1. I like takeout 2. I don’t have the time So instead of going from one extreme to the other (trying to force myself to cook every night for a month which will then just make me want to eat out every meal)… I find balance. My goal is to cook/eat what we have at home Monday-Thursday Friday-Sunday we get takeout. Or sometimes eat things around the house. Or sometimes go on a date night. Or eat snacks as a meal. This works for me. It’s manageable. I can adjust it as needed but it feels easy to me. Stop over complicating things. Just because some influencer cooks 7 days a week doesn’t mean you have to. You totally can (good for you!) but that doesn’t work for my life. My budget reflects groceries and takeout. Every month. And I’m way more likely to stick to my budget with this system. If you need help creating a realistic plan you can stick to (not just for your food budget but all your money goals), we do that and more in Flourish FinanciALLI. Do you cook every night? ⬇️

Let’s just stop. Money conversations can be awkward, long, stressful especially if you’re trying to talk right after a busy day of work, kids, life. You’re tired, frustrated…the LAST thing you want to talk about is how you’re overspending (because you already know) AND how your car is making a weird noise (because you know you have no way to pay for it right now). So let’s stop the forced money conversations. Let’s be honest, they are never super productive. Talking about money doesn’t have to be some super formal process like “hello sir, let’s sit at the kitchen table and chat about our debt numbers and look at 25 different charts”. You can talk about money like “hey lover, anything coming up in the next few months that I need to add to the budget?” or “OMG we are $200 away from our savings goal!” or “ wow we’ve been spending A LOT lately, I think we need to take a look and see how we can try to reign it in next month so we can really stay on track”. ⁣⁠ ✨Keep it conversational.✨ If you need formal check-ins, great but set aside time. Ideally not at 7pm when you’re trying to do dinner, bath, and bed. ➡️By keeping it conversational, creating a realistic plan that worked for BOTH of us, and opening up communication…we were able to pay off $154k of debt, buy our 25 acre farm, go on trips, and go fishing (jk that is just Joe). I get it. Those first few conversations are TOUGH. But that is why I created Money & Marriage. To walk you through exactly what to say and do to get on the same page with your finances. If you struggle with money conversations or even how the heck to get on the same page, you need my course Money & Marriage. 💵Comment “MARRIAGE” and I will send you the details. Do you have formal budget meetings? What works for you?⬇️

No spend months are NOT the answer. Here’s why....⁣⁠ ⁣⁠ Need help with sustainable tips that don’t involve deprivation? Comment “FOUNDATIONS” and I’ll send you the link to my free course! ⁣⁠ For 99.9% of the people I work with (I’ve reviewed probably 1000+ budgets at this point)....any deprivation based budgeting or no spend months do NOT work in the long run.⁣⁠ ⁣⁠ Yes, maybe temporarily you save some money or reduce expenses but you haven’t actually changed your habits. ⁣ You get stuck in the cycle of cutting everything then buying everything right after. You have to do a few no spend months a year to see any “result” and that’s not sustainable😬 You will spend money for the REST of your life. So you NEED to learn how to spend intentionally (which is what you’ll learn when we work together 🫶🏽) ⁣⁠ 📢Ready to focus on value based spending instead of cutting everything? Comment “FOUNDATIONS” and I’ll send you the details for my free foundations course. Over 1000 people have taken this course and the results are 🔥 What are your thoughts on no spend months? ⬇️

But seriously… I am definitely @gamecockfb ‘s top fan (at least top 20) If you meet me at a bar there’s a 99.9% chance I’ll ask you about college football and if you’re like “I don’t watch” our convo is most likely over😬 Football season tickets was the ONE thing I would not give up while paying off $154k of debt. Was it a true need? No but pretty dang close. Every Saturday we drove to cola. Tailgated with my sisters and friends. And cheered on the gamecocks whether we won or lost (def most losing than I’d like but still love them) It is an experience. My home away from home. People said I was dumb to spend money on football games when paying off debt but listen, the debt got paid off and I got to go to my games sooo seems pretty ideal to me. Life is wayyyy too short to put everything on pause while paying off debt. Yes you need a debt payoff plan but your debt doesn’t define you. Yes you need to spend intentionally but if it takes you an extra few months to pay off debt so you can go on a trip or cross something off your bucket list, I say do it. You need to learn how to pay off debt, save, AND spend at the same time and that’s what I’ve helped hundreds of people do through my coaching programs. ✨ Comment or DM me “FORM” and I will send you a short form to fill out (takes 2 minutes). I will send you an email with what coaching or course option I think is best for you based on YOUR situation and money goals.   PS: I recommend filling out the form ASAP because spots are limited (like very limited). What’s something you spend on (or spent on) while paying off debt that was a want (but kinda a need)?⬇️

It’s a need not a want. ➡️Send this to your BFF now so you can start planning Yes a beach trip or long weekend away would be nice but don’t sleep on staycations. ✨Get a hotel for the night (bonus points if it’s free from travel rewards) 🌮Get takeout from your favorite restaurant (aka @cantina76) 👗 Get out of leggings & a tshirt and put on a dress from the back of your closet 🎵 Find a bar that plays 2000s hip-hop and rap so you can lose your voice singing all night. Don’t forget to pack your electrolytes for after 😉 Life is way too short to not be living it exactly how you want. Dream big. Reaallly big. Don’t settle for anything else 🫶🏽 Ready to spend more time doing what you love and less time stressed AF about money? I’ve got you. Comment or DM me “FORM” and I’ll send you a short form to fill out so we can decide the best way for me to work with you. It’s time for YOU to make yourself and your goals a priority.

Let’s be clear ⬇️ Contrary to what many people think… ❌ I didn’t reach my money goals overnight. Most of my big goals took YEARS. ❌ I don’t have complicated spreadsheets and systems (even though I have my MBA in Finance my strategies and templates are SO simple). ❌ My budget is NOT perfect. Anyone who tells you their budget is perfect is LYING. ❌ I NEVER completely deprived myself while paying off debt (yes I still got my Starbucks latte & prickly pear margaritas and the world did not end) Because here’s the thing. EVERY JOURNEY IS DIFFERENT. It takes TIME, EFFORT, and a REALISTIC plan to pay off debt (or save or whatever your big money goal is). There are SO many factors that go into reaching big money goals (cost of living, income, other expenses, total debt, number of people in your family, etc.) It took me 5 years to get to where I am today. Lots of mock budgets so I could manage multiple goals at the same time. Lots of planning, stategy, and pushing forward even when I didn’t want to. What I CAN do, is teach you everything I’ve learned along the way. First, make sure you’re following me @financiallifocused (promise you don’t want to miss a thing) Then comment “FOUNDATIONS” and I’ll send you all the details for my FREE financial foundations course so you can get started TODAY. Because listen…you CAN pay off that credit card debt, spend money WHILE saving and paying off debt, and finally get ahead. Here for you. Always ❤️

What if today you decided to believe this is possible for you?  You get to spend your weekends at football games or at the park with your kids, or hosting your neighbors for a cookout instead of worrying about your card being declined or how you’re going to pay for that car repair. You CAN pay off that credit card, save for the beach trip, and still get drinks with friends. You get to do it all.  How would you think and act differently? Why not start today? ✨ Keep going ✨Keep showing up ✨Keep believing in more You don’t not have to give up your Friday pizza night or weekly latte to become debt free (and honestly you shouldn’t listen to anyone who says you have to) There is nothing wrong with wanting more. 💵More money. ⏰ More time. ✈️ More experiences. 🛍️ Even more clothes, home decor, or other material things that make you smile. Future you is already so proud (and so am I) 🫶🏽 What is one of your BIG dream goals?

Keeping it simpleeeee I GET you don’t have time to waste trying 20+ “top money tips” that require hours of undivided attention to actually implement and years before you actually see results. I know that you are READY to make changes and you need strategies that are simple and easy that you can fit in during lunch time, nap time, or Netflix time at night. That is WHY I created the Financial Refresh Workshop. Comment “REFRESH” to get the details and grab your spot. Not only will you walk away with simple tips you can implement in 10 minutes or less but we are implementing strategies DURING the workshop. April 30th. 830pm EST. This one is going to be gooood. If you can’t make it live, I still recommend grabbing your spot now because you’ll get the replay AND fillable workbook (and the price is going up) Comment “REFRESH” and I’ll send you the details! #moneytips #budgetingtips #moneygoals #summer2024 #andersonsc

Here’s the truth ⬇️ 
Sorry but depriving is NOT the answer around here. I would’ve been freaking MISERABLE when paying off $154k of debt if I cut everything and ONLY focused on debt payoff. I would’ve missed out on family beach trips.  Girls trips to Nashville. Date nights.  Wouldn’t have reached $100k invested before 29. Would not be in our forever home (a 25 acre farm). Listen, paying off debt IS important. Totally. Not only does debt cause a lot of stress and overwhelm but it freaking SUCKS to owe someone money (especially huge corporations like credit card companies who screw you over with insane interest rates). But it is NOT the only important thing. If it takes you a little bit longer to pay off debt while you are saving, investing, and spending…I promise you will be MUCH happier and more prepared for unexpected expenses. 
Especially if you have A LOT of debt like I did. It is time for a refresh. A fresh start.  Whether you’ve been budgeting for years or you have never created one in your life.  Life changes. Expenses have increased. Personal priorities have shifted. We ALL need to set aside time to refresh our finances to make sure our goals and plan are realistic and align with what we actually want right NOW. ✨I teach you exactly HOW in my financial refresh workshop.  ➡️Comment “REFRESH” and I will send you the link to grab the replay now. Give me 1 hour. That’s it. And you’ll walk away with 10+ action steps you can take RIGHT NOW. Dive in. Take Action. Move on. And for reference I would NEVER tell you to give you your prickly pear margaritas on date night ;)

Comment “REFRESH” and I’ll send you the link to join my financial refresh workshop. Listen, I get it. You don’t need fancy spreadsheets and you don’t have 20+ hours to get sh*t done. Give me 1 hour. That’s it. And you’ll walk away with simple action steps you can take RIGHT NOW to put more money back in your pocket and towards debt, savings, or even your summer trip. Dive in. Take Action. Move on.  April 30th. 8:30pm EST Live workshop and Q&A PLUS fillable workbook and the replay Comment “REFRESH” and I’ll send you the details⬇️ #budgetingtips #moneygoals #debtfreecommunity #financialrefresh #greenvillesc

How do you even decide?!? Summer is coming up.   You want to spend more time outside, days at the park, nights at concerts, and less time on your phone. You barely have enough time to actually finish your to list (or you just keep moving things week to week) I GET you don’t have time to waste trying 20+ “top money tips” that require hours of undivided attention to actually implement and years before you actually see results. Give me 1 hour. That’s it. You’ll walk away with simple action steps you can take RIGHT NOW. 4/30. 830pm EST. Financial Refresh Workshop (replay will be sent out) Comment “REFRESH” and I’ll send you the link to join 🫶🏽⬇️

….so what am I supposed to do?! Listen, you shouldn’t be spending your paycheck before it hits your account. “But Alli… I have to get groceries this week my dog has a vet appointment my friends are grabbing drinks Friday I have $10 in my account Listen, I am NOT shaming you. 95% of the people who work with me are like this before we start. So if this is YOU right now. I’ve got you. Here’s what you’re going to do: 1️⃣ A money audit. You NEED to know where every dollar is CURRENTLY going aka you’re going to track your expenses for a month (choose a normal spending month) 2️⃣ Budget per paycheck. If you’re like um how? Join Flourish FinanciALLI and you’ll get my super simple and effective budget template, training videos, worksheets and 8 other core modules. COMMENT (or DM me) “FLOURISH” and I will send you the details so you can get started TODAY. 3️⃣ Move around expenses if needed. Your budget should be FLEXIBLE. If you map out paycheck 1 and you have negative dollars...we have to change something. Maybe we split up your rent/mortgage, move debt payments, change due dates for bills, etc. Here is an example: If you get paid 3/1 and 3/15…Your first “budget” would be 3/1-3/14 (aka your 3/1 paycheck has to cover ALL expenses that fall during that time frame). The GOAL is to break the credit card or overdraft cycle. Where you put groceries on your credit card but you don’t have enough money in your account to actually pay for them so you have to wait to get paid again and then you pay your credit card but now you don’t have money in your account for groceries this week ….you get it. BUT we’re going to BREAK THE CYCLE. Not sure what coaching option is best for you? Comment “FORM” and you’ll get a short form to fill out so I can send you a personalized video with what option or course I think is best for you based on your goals, struggles, and situation…I’ve got you!