Alli Williams

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šŸ’µSharing my financial journey & helping you start yours šŸ‘©šŸ½ā€šŸ’»Author, Blogger, and Money Coach šŸ’°Paying off $154k of debt as a newlywed šŸ“Upstate SC

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Member Since OCTOBER 09, 2019
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Hereā€™s exactly what she did ā¬‡ļø I mean not going to lie The first thing she did was join Flourish FinanciALLI. And no she didnā€™t just eat beans and rice and give up date nights and margaritas to get these results šŸ˜‰ She was tired of spending money before it hit her account. She had big goals and did NOT want to settle. Comment or DM me ā€œFLOURISHā€ so you can join the exact program that changed the game for her. The doors are open for 48 hours ONLY. Iā€™m headed to Aruba next week so no extensions šŸ˜‰ Within 3 months your life could look like: šŸ’µYour budget is a well oiled machine and you feel unstoppable. šŸ’µYouā€™ve paid off more debt in the last 3 months than you have in the past year. šŸ’µYou can go to Target and get the shirt you want without impulsively buying 15 other things and you realize spending isnā€™t bad, it just has to be in the budget. šŸ’µYou feel confident that if a repair, vet bill, or random expense came up you would know how to handle it without panicking šŸ’µYour debt is decreasing, your savings is increasing, and youā€™re not longer stressed about paying for Pizza Fridays every week Itā€™s YOUR turnšŸ«¶šŸ½ Comment or DM me ā€œFLOURISHā€ so you can get started TODAY! Literally today.

I swear there is no scam going on here. Just some well thought out strategyšŸ˜‰ So how did I do this? 1ļøāƒ£First you need to have a realistic budget you can actually stick to so you can save for repairs and pay off any existing credit card debt. If you DONā€™T have this, then comment ā€œMASTERCLASSā€ to grab your spot in my free masterclass this week. You will walk away knowing exactly how to create a simple budget that works for all seasons of life. 2ļøāƒ£Then you will open a new credit card. Listen, I am no travel hacking expert but I know enough to get free tripsāœˆļø For this crawl space, I knew that it was coming up so I did some research on credit cards with great travel rewards and sign up bonuses.Ā  We opened up a new card because I knew we would hit the sign up bonus requirement right away from this one expense and we split the $19k between the new card and a current card we have (to hit another milestone). Just from doing this, we will be able to travel to the beach for free next year with these reward points. That is how we are going to Aruba for our 5 year anniversary next week. How we are taking 2 family beach trips in September. šŸ’µ We saved up the money for repairs. šŸ’³ Opened a credit card (and used an existing credit card)ā€ØšŸ’° Put the expense on the card to get the points šŸŽ‰ Paid off the card. Done. Helloooo beach trip šŸ–ļø Listen, if I can do this (and the hundreds of people Iā€™ve helped)...you can too. But it starts with a budget. It starts with a plan to pay off debt, save, AND spend at the same time. So Iā€™ll see you THIS WEEK at my free masterclass.ā€Ø2 days 2 times. You choose what works best for you. Next masterclass wonā€™t be until October so donā€™t miss thisā€¦seriously. Itā€™s time for your free beach trip šŸ˜‰ Comment ā€œMASTERCLASSā€ to grab your spot now and let me know when youā€™re in!

I GET you donā€™t have time to waste trying 20+ ā€œtop budgeting tipsā€ that require hours of undivided attention to actually implement. Or 15 different excel tabs with 20 charts. I know that you are READY to get results 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 my free masterclass, From Six-Figure Debt to Six-Figure Net Worth Weā€™re going to cover: 1ļøāƒ£ money myths you have to stop believing if you want to finally break the cycle 2ļøāƒ£ how to prepare for unexpected expenses (yes you can prepare) 3ļøāƒ£ how to realistically budget without deprivation 4ļøāƒ£ how to get results faster Comment ā€œMASTERCLASSā€ to get the details and grab your spot. 2 days 2 times. You choose what works best for youšŸ«¶šŸ½ #moneytips #budgetingtips #travelgoals

But seriouslyā€¦ I am definitely @gamecockfb ā€˜s top fan (at least top 20) If you meet me at a bar thereā€™s a 99.9% chance Iā€™ll ask you about college football and if youā€™re like ā€œI donā€™t watchā€ our convo is most likely overšŸ˜¬ Football season tickets were 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 Iā€™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 doesnā€™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 thatā€™s what Iā€™ve helped hundreds of people do through my coaching programs. āœØ Comment ā€œMASTERCLASSā€ to grab a spot in my free masterclass so I can teach you how to do the same.Ā  2 days. 2 times. Choose what works best for you. ā€ØAND if you attend live you will get my financial refresh workbook for FREE (and that alone makes it worth attending šŸ˜‰) What is something you didnā€™t give up while paying off debt?ā¬‡ļø

So what the heck DID I do to pay off six-figures of debt while saving and spending?ā£ ā£ I created a realistic and flexible budget. I made sure my goals were very clear and when things changed I made adjustments. I created MANY mock budgets and became pretty dang good at scenario planning.ā£ ā£ I developed strategies for exactly how to pay off debt, save, AND spend at the same time (and now Iā€™ve helped hundreds do the same).ā£ ā£ Why should you listen to what I have to say though!?ā£ ā£ I worked with Suu and she was able to pay off 2 credit cards, save her initial emergency fund, go out with friends, and go on vacation during our time together. PLUS she still uses all the strategies 2 years later.ā£ ā£ Ready to learn exactly how you can manage multiple money goals at the same time?!ā£ ā£ You need to attend my six-figure debt to six-figure net worth FREE masterclass 2 days 2 times you choose whatā€™s best for you. Comment ā€œMASTERCLASSā€ and I will send you all the details. Seriously this is a game-changer!ā£ Also these castle gardens were GORGEOUS šŸ˜ highly recommend if youā€™re in the Netherlands! #moneytips #debtfreejourney #budgetingtips #debtfreecommunity

Comment ā€œMASTERCLASSā€ to grab your spot in my FREE From Six-Figure Debt to Six-Figure Net Worth Masterclass. I will show you how you can actually spend without deprivation šŸ˜‰ Oh and make sure you save this post and share it with friends who might find it helpful!

I know it SUCKSSSSS To be stuck in that cycle. To work so hard to pay off your credit card and then when an emergency comes up you have nothing saved so you have to put it on the credit card you just paid off. Then you feel like sh*t. Youā€™re defeated. Like why even continue to try. But there is a way out of the cycle I promiseā€¦so hereā€™s what youā€™re going to do. Once you have a realistic budget that works for youā€¦. āœØoh and if you donā€™t, comment ā€œMASTERCLASSā€ so you can grab your spot in my upcoming masterclass where I will show you howāœØ 1ļøāƒ£ the extra you have each month to allocate to debt and savings youā€™re going to split. Maybe you decide 80% to debt, 20% to savings or maybe 60/40ā€¦your choice. 2ļøāƒ£ Youā€™re going to build your emergency fund WHILE paying off debt. Yes it will take longer to pay off debt but you need savings. 3ļøāƒ£ Once you have a starter emergency fund, you will start sinking funds for repairs, travel, pets, whatever else you need. Ideally, your repair sinking fund will eventually cover car repairs so you donā€™t always have to touch your emergency fund. Yes this takes time. Yes this is a process. But Iā€™ve helped hundreds of people do this so I KNOW I can help you too. Ready to get started? Comment ā€œMASTERCLASSā€ and grab your spot in my From Six-Figure Debt to Six-FIgure Net Worth Masterclass. Oh and if you attend live you get my financial refresh workbook for FREE (this workbook gives you simple action steps you can complete in 10 minutes or less to get results now).

Letā€™s back upā€¦ Is there anything better than chocolate covered pretzels, a comfy robe, and FRIENDS?! But in all seriousnessā€¦ There are some things you need to do BEFORE you even create your budget. I am going to teach you HOW to budget so you donā€™t run out of money in my free masterclass. Comment ā€œMASTERCLASSā€ to grab your spot! Limited spots are available. Before you budget here is what I need you to do: 1ļøāƒ£Decide today is the day everything changes and you wonā€™t just throw in the towel when your budget gets messed up (because it will)ā€Ø 2ļøāƒ£Complete a money audit 3ļøāƒ£Set 1-3 specific goals (donā€™t overcomplicate it) 4ļøāƒ£Make sure you are budgeting per paycheck (not monthly budgeting) 5ļøāƒ£Set time each week to update your budget and make adjustmentsā€Ø Comment ā€œMASTERCLASSā€ so you can learn exactly how to budget, prepare for unexpected expenses, and get results faster

Comment ā€œMASTERCLASSā€ to grab your spot in my FREE From Six-Figure Debt to Six-Figure Net Worth Masterclass. Iā€™ll show you HOW to create your budget so you can reach your big goals without depriving yourself (get the latte or margaritaā€¦or both šŸ˜‰) Weā€™ll walk through this exact template together!!

Hereā€™s the truthā¬‡ļø Your debt does not define you. You donā€™t need to stop living your life when paying off debt. But if youā€™re not seeing the progress you wantā€¦make sure youā€™re following @financiallifocused and try the 5 things on my list ā¬†ļø If youā€™re struggling with overspending and you keep saying ā€œthis is the year I pay off my credit card debtā€ only to move that goal to the next year because you just donā€™t see the light at the end of the tunnel. Iā€™ve got youā€¦ Comment ā€œMASTERCLASSā€ so you can grab your spot in my free masterclass. Not only will you learn how to create a realistic budget you can actually stick to but youā€™ll see how you can pay off debt, save, and spend at the same time. I promise the hole isnā€™t too deep. Youā€™ve got this ā¤ļø

šŸ‘‰šŸ½Swipe through to see why extremes never workā£ and what to do insteadā  ā£ā  So many times I see people wanting to cut their spending on food so instead of starting by reducing it, then decide to cut it completely.ā£ā  ā£ā  If you currently get takeout 5 days a week, why do you think youā€™ll just magically be able to get it 0 times the next week? ā£ā  ā£ā  Probably not. ā£ā  ā£ā  Extremes donā€™t work. ā£ā  ā£ā  Instead, set realistic goals and expectations you can actually stick to. ā£ā  ā£ā  Do you agree?šŸ‘‡šŸ½ā  ā  #moneytips #financialgoalsā  #moneyhacks #debtpayofftips #budgetingtips #moneytipsforwomen

Hereā€™s the truthā¬‡ļø If you want to have a crazy expensive birthday party for your 2 year oldā€¦go for it. Personally, I donā€™t care. We will do home birthday parties for a while and theyā€™re perfect. My oldest didnā€™t even have any type of party at all until he was 3. The most important things with spending? Make sure itā€™s on what you value Not going into debt for a kidā€™s birthday party I personally would rather spend money on a family vacation, clothes/shoes they need, and putting money into their investment accounts. My child wonā€™t remember his 2nd birthday party but he will be thankful for his investment accounts when heā€™s older and the family vacations we will be able to take. Spending money isnā€™t bad. You just want to spend intentionally. And if youā€™re struggling to create a plan so you can spend on what you value while also paying off debt and/or saving for the future, make sure to attend my masterclass. 2 days 2 times. You choose what works best for you. Comment ā€œMASTERCLASSā€ to grab your spot. If you have kids, what do you do for birthday parties?ā¬‡ļø

5 Ways to Budget With an Irregular Income > financiALLI focused

not sure how much money youā€™re going to be bringing in month-to-month and figuring out your spending and money goals overwhelms you. Once you have established what you need to save for your one month initial emergency fund, create a budget using an average baseline of income. Thatā€™s why, in addition to a minimum one month emergency fund, you need to get one month ahead on expenses. Once you have your minimum one month emergency fund set up and youā€™re working off of a baseline budget, use the leftover money from your budget, or any excess money that exceeded your baseline budget, and use that money as a buffer in your checking account.

3 Steps to Get Back on Track If You Go Over Budget > financiALLI focused

Figure out what went wrong The first and most important step to getting back on track if you go over budget is figuring out what exactly went wrong. If you havenā€™t done so already, track a month of expenses to get your actual numbers ā€” not just your ideal budget numbers. It means that when you sit down at the end of the month to create the budget for the next month, it doesnā€™t mean that what you write is set in stone. For example: If you overspent in your grocery budget by $200 and you have a ā€œPersonal Careā€ budget that has $200 in it, move that $200 to the grocery fund so that you are no long ā€œover budgetā€ in that area.

5 Ways to Reduce Impulse Spending > financiALLI focused

Here are 5 ways you can reduce impulse spending today: One of the major reasons that budgets, or spending plans fail, is because they are too restrictive. You also have the option to put these emails in a ā€œroundup emailā€ that way instead of getting 50 sale emails a day, you only receive one. Much like unsubscribing from retailer emails, this tip to reduce impulse spending is about putting barriers up for yourself. Time is the ultimate victor against impulse spending, but it takes time to train your brain to think like instead of favoring a quick endorphin release with a new purchase.

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