@wisewomanwallet

(⏪ SWIPE LEFT)🙏🏾 Many thanks to all of you who asked about my well-being since hearing about the coronavirus outbreak in China, my home for 3.5 years. And I pray that you all and your family members are still healthy, employed and well-stocked with supplies. It’s disheartening that’s not the case for everyone. . I left China on Jan. 25 for my regular vacation, but then fled to the U.S. when things got worse in China. I returned to China on March 24 and immediately started my 14-day quarantine in my apartment. I’m coronavirus-free. 🙅🏾‍♀️🦠 (Please view the other slides in this post for answers to some anticipated questions.) . Over the past 2 months, I didn’t have the mental bandwidth to run this page, take in the rapidly-changing news, tend to my physical health, worry about my work and living situation, scramble for flights and lodging, grieve Kobe Bryant’s death 💜💛 and answer to my frantic parents, relatives, friends, coworkers and school administrators. I went into survival mode, which is something everyone understands right now. . And some of you probably thought, “Well, you could have at least told us you were OK.” I could’ve, but anticipated that people would ask questions. Because things changed so swiftly, my answer to many would’ve been “I don’t know.” 🤷🏾‍♀️ And as I said before, I didn’t have the bandwidth to tend to this page and my real-life loved ones. . I don’t anticipate going away from you for another 2 whole months, but I will be social distancing as well as social media distancing. I just wanted to tell you I’m physically OK and I hope you all are, too. Be blessed, fam. ✌🏾💗 . .

I saw a headline recently that read: "The ABCs of Money." Before clicking the link, my brain was already trying to create a mnemonic device to help us remember money basics in the ABC format. . 🤔 What do you think? Do you agree with these basic rules? (See Poll in Stories). What would you add or replace? . .

Woot woot! 1 🎓 down, 22 to go! Can’t wait to reach debt freedom! . I was blessed to cut down the principal by $1,526.17. I hate sending money to interest, too. But soon compound interest will be working FOR me instead of AGAINST me. . If you’re curious to know how I’ve paid off over $32,000, then check out the steps in my ebook, The G.O.O.D. Life. . .

Here are some practical things you can do RIGHT NOW or on your lunch break to improve your bottom line or your money mindset. I love doing little things like this to stay motivated on the journey. . Let me know if you end up ticking one of these suggestions off the list. . 1️⃣ Make an extra debt payment right now! (Any amount is fine.) | Every little bit helps, right? If you can, make sure this payment goes toward your principal instead of the interest. See my blog post for step-by-step instructions. @wisewomanwallet . 2️⃣ Write down a financial or life goal and put it in your wallet. | If you see your goal, you might be prompted to put back that shirt, bottle of wine or the 20 $1 Target items you don’t need. . 3️⃣ Unsubscribe from an unused or under-used monthly service. | Put that money toward a debt or an item you actually value and use. . 4️⃣ Rename an account (i.e. Savings x5678 to Disney Vacay 2019 or MasterCard x1234 to Pay Off By October). | Name your goal so you can visualize where your hard-earned money is going. In this case, family fun with Mickey, Ariel and the Black Panther or debt payoff! . 5️⃣ Read a personal finance article or blog post. | Feed your brain something inspirational or learn something new. It can only help you. . .

It’s so dope to review previous annual goals. It’s a progression of your mindset—what you thought you could achieve—and your circumstances at the time. . To go from just trying to save $1,000 in 2017 to $10,000 in 2019 is quite a leap. Let’s be grateful for growth. Do what you can today and just keep going, guys. The little snowflake ❄️ turns into a big snowball. ⛄️ . 🎯 Still need help setting your or ? I have a 13-point checklist that takes you through prompts so you can get crystal-clear on your why and action steps to take. . This list works for all types of targets: health goals, marriage goals, etc. It’s not all about money. Download the list and get going! ✍🏾 @wisewomanwallet . .

Raise your hand, debt crushers!!!🙋🏾‍♀️🙋🏾‍♂️🙋🏼🙋🏻‍♀️ . I started this page 3 years ago. In this 4th year, I’m finally gonna be debt-free!!! FINALLY! $30,000 down (excluding the sold car) and $23,000 to go! Who else is excited to cross the finish line? 🏆 . If you’re wondering how to finally get over the hump, then check out my ebook. Use the link in my bio to grab The G.O.O.D. Life Starter Set: 16 Must-Have Tools to Get Out Of Debt—Other Than a Budget. You’ll get 5 bonuses, too! 🤗 One bonus may or may not be about budgeting. 😉 . P.S. My definition of “debt-free” is paying off everything but the mortgage, which I don’t have. But if you’re gonna be mortgage-free this year, throw us a raised hand AND a house. 🙋🏾‍♀️🏠 . .

Happy New Year, everyone!!! 🎉 I’m so happy to see so many awesome accomplishments in 2019. . Here are some things I manifested AND got surprised with: 1️⃣ Broke the $30,000/50% debt payoff mark by paying off over $15,000 in 2019 alone. 2️⃣ Maintained the $8,500 Sunny Day Fund, a.k.a. emergency fund, I established in Q1. 3️⃣ Finally crossed into positive net worth territory. 4️⃣ Attended my paternal grandma’s surprise birthday party in Philly (just a few months after my maternal grandma passed.) 5️⃣ Launched my first ebook about 16 tools needed for debt domination. 6️⃣ Wrote personal finance stories for @bankrate. 7️⃣ Was unexpectedly featured on @TheShaderoom. 8️⃣ Shared my story on podcasts: @journeytolaunch, @moneymadeeasypodcast and @thephgpodcast. 9️⃣ 2 friends from home visited me in mainland China and Hong Kong. The doctor paid for my flight and accommodation for our Thailand trip. Dope! 🔟 Randomly got an all expenses-paid trip to another Chinese city last week and bonded with other black women. . 🏔 BONUS: I hiked a freaking mountain, one of the Yangshuo Mountain peaks that’s on the Chinese 20 yuan bill. 💴 . 📚 BONUS: I have half of a book left (“Tap Dancing yo Work”) to finish on the Life-Changing Books List. I posted all the books I have in my home. (Sorry for the crappy iPhone 6 pic.) Other texts were either ebooks or audiobooks. Plan on reading any this year? . P.S. ✅ Green checks mean I read the book BEFORE 2019 (8 books). Yellow mean I read it in 2019 (19 books). I read other books excluded from this list, too. . .

I wanted to wipe out the penultimate loan this year. 👩🏾‍🎓 As you can see I have $3,700 to go. . I started to get down for not reaching my goal. Then Miss Perspective was like 🗣, “Girl, get a grip!” You’ve paid off over $16,000 on this loan on top of keeping $8,500 in savings and booking 2 international trips this year. This was unthinkable even 2 years ago. Amazing! . LESSON: When you’re reviewing 2019, please give yourself grace and celebrate everything great and small! Progress over perfection. . On a side note, when I added the total amount I’ve paid toward both student loans ($16,659) and the interest ($2,522.80), I technically paid $19,181.90 this year. Ain’t that something?! A new way to look at . 😉 . If you’re serious about crushing debt, then check out my ebook. Use the link in my bio to grab The G.O.O.D. Life Starter Set: 16 Must-Have Tools to Get Out Of Debt—Other Than a Budget. You’ll get 5 bonuses, too! 🤗 One bonus might or might not be about budgeting. 😉 . If you’re on the fence, then download the first chapter for free. The link’s in my bio, too. . .

SWIPE ⏪ OR READ CAPTION FOR ANSWERS TO FAQS: e.g. Where’s the book list? . So far so good in December. Gotta read 2 books in 2 weeks. 😬 Thank goodness for the Christmas break! . S.A.V.E.R.S. is a 6-letter acronym representing the Miracle Morning routine: Silence 🧘🏾‍♀️ | Affirmations 🗣 | Visualization 🖼 | Exercise 🏋🏾‍♀️ | Reading 📖 | Scribing ✍🏾. Check out my blog to see what tools (journal, apps, affirmations, etc.) I use to start each day. I missed 1 day in November. 🔗 👉🏾 @wisewomanwallet. . I’m reading “The Intelligent Investor” by Warren Buffett’s mentor, Benjamin Graham. The commentary and updates about recent events help review the main points of each chapter. . 📚Want the full list of 28 Life-Changing Books and a free reading log? Visit or WiseWomanWallet.com. . P.S. In the chart, the green checks ✅ mean I finished the books before 2019, yellow means I read them in 2019 and the purple and white star means I’m currently reading it. The goal is to finish the list by Dec. 31, 2019. Only 2 to go! . .

It’s mid-December! Only 2 more weeks of this month, this year, this decade! Let us know about some wins or lessons learned from the past 15 days in the comments below. 👇🏾👇🏾👇🏾 . .

Sometimes we think adding to our to-do list will move the needle. But perhaps, it’s best to step back, survey the landscape and pare down the list to a few essential tasks that will give you the most bang for your buck. . This quote popped out at me in my journal yesterday. I was initially reminded of this idea Thanksgiving night. I refunded my meal ticket to attend a personal finance seminar for entrepreneurs. Money Nerd Status: ACTIVATED! (I got free meals from my job Wednesday 🦃 and Friday 🍛, so I didn’t miss much food-wise.) . The speaker mentioned that learning about The Pareto Principle through The 4-Hour Workweek has helped him hone in on his most income-producing tasks. The principle states: 2️⃣0️⃣% of your actions yields 8️⃣0️⃣% of your results. Therefore, do the 20% that matters most. . I think I want to to focus on the few things that bring big results and reduce or eliminate the rest in 2020 and beyond. . What if one area of your budget—let me guess: food 🥘—keeps throwing you off each month? If you focused on that single area consistently, then maybe you’d get things under control and save more. . What if you know 20% of your kids’ toys take up 80% of their playtime? 🧸 There’s an option to buy only toys you know interest them to avoid much more waste or spend money on things your kids need or on something else entirely. . What if 20% of your customers generate 80% of your business revenue? 📈 You’d focus more on those folks and how you could please and collaborate more with them. . 💡 It’s not enough to be active. We must be strategic about what we’re acting on to be more effective. . 🤔 How could you apply the Pareto Principle-80/20 Rule to your life? . Some other great books to read on prioritization are The One Thing and 7 Highly Effective Habits of Highly Effective People. They’re listed in my 2019 books list, which you can see via the link in my bio. 👉🏾 @wisewomanwallet . .

(SWIPE FOR FAQs) December will be about reflecting on progress made this year and projecting success in 2020. No different from you, right? . I’ve failed at No. 4 in the past, but I gotta do better. I always get inspired or form new ideas at the last minute. 🤦🏾‍♀️ . What are your December goals? . P.S. The S.A.V.E.R.S morning ritual is a 6-part habit stack. After I drink my breakfast smoothie, I get to it: Silence 🧘🏾‍♀️ | Affirmations 🗣 | Visualization 🖼 | Exercise 🏋🏾‍♀️ | Reading 📖 | Scribing ✍🏾. . P.P.S.📚Want the full list of 28 Life-Changing Books and a free reading log? Want my exact S.A.V.E.R.S. Routine? Visit or WiseWomanWallet.com. . Also, in the chart, the green checks ✅ mean I finished the books before 2019, yellow means I read them in 2019 and the purple and white star means I’m currently reading it. . Next up: The last 2.5 books—investing books. The goal is to finish the list by Dec. 31. I’m gonna be a reading machine! 📖 Send good vibes! 🙌🏾 . If you’re serious about crushing debt, then check out my ebook. Use the link in my bio to grab The G.O.O.D. Life Starter Set: 16 Must-Have Tools to Get Out Of Debt—Other Than a Budget. You’ll get 5 bonuses, too! 🤗 One bonus might or might not be about budgeting. 😉 . If you’re on the fence, then download the first chapter for free. The link’s in my bio, too. 👉🏾@wisewomanwallet . .