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Nakisha Wynn | Helping Ambitious Moms Build an Online Business

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7 Things I’m Doing to Get My Money Right

January 9, 2019 · In: Family Finances

As a single mother things can get rough financially. I’ve dealt with those moments pretty well but I got tired of working hard and still living check to check. So I decided to do something about it. One day I just looked at myself in the mirror and said, “Okay it’s time to get my money right!” So I decided to do 7 things to do just that!

Stop Speaking Negatively over my Money

People love to say things like: “I’m broke” and “I ca’t afford that” I’m choosing to make a conscious effort to speak wealth and prosperity into my life. So instead of speaking negatively about my money I will speak positive words. I will speak those things that I want to occur in my life, into my life. I will speak what I seek until I see what I’ve said. Instead of speaking disaster, I will activate prosperity into my financial situation with my words.

Set Income Goals

This is something I love to do. At the end of each month, I look to next month and decided how much I need to make to live comfortably. I look at al the bills and obligations I have and set a number. After that I break down all my income sources. The very first thing I determine is my primary income. That’s the money that I get from freelancing. The second thing I determine is my secondary income. For me, that would be my blog. Next I estimate my supplemental income. Usually that’s from side gigs and opportunities.

Set a Budget and Track my Spending

One of the biggest things that used to keep me broke was not using a budget for spending. I would swipe my card whenever and however I wanted to. I have learned better. Now I think it is extremely important to have a budget to tell your money what to do. I have been using Dave Ramsey’s Guide to Money and it has been working really well for me. I’ve been learning to do his zero base budgeting and it has been great!

[embedyt] https://www.youtube.com/watch?v=ed2SZELKweQ[/embedyt]

Cut Living Expenses 

If you know anything about me, you know I can save a coin! I will shop around for things I need and even ask a store to price match if I find the item elsewhere but really want to get it from a specific retailer. I absolutely love to use savings websites and cashback apps too. Ebates is my absolute favorite for shopping online. The thing I love about it is the Chrome extension. When I am shopping at any store, if there is a savings or a coupon at that store the Ebates Chrome extension will tell me immediately. I never miss a deal. I also love Dosh. The cool thing about Dosh is, it links to your debit card so anytime you spend money at an approved retailer you save money without even having to remember. Genius!

In addition, I will be reducing the cost of my bills or eliminating them completely. I recently reduced the cost of my cell phone bill by switching to a prepaid plan? I’m going to look into reducing the cost of the cable and taking a different approach to shopping for groceries. So I’m going to look at all of my expenses and cut cost where I can.

Commit to a Savings Plan

I’m getting better at this. I have been terrible in the past on it. But committing to a savings plan for me means starting at as little as $20. I will take $20 every single check and put it in a savings account. I will have it automatically transferred from my checking account into a dedicated savings account that I won’t touch. I want to look into opening an online savings account so that I can have the money out of sight and have it less accessible.

So I am committed to consistently saving money.

Pay Bills on Time

I am committed to paying my bills on time. I can be honest and say that, I’ve had some struggles with this. Being a single mom, it can get hard sometimes and I’ve had to make payment arrangements just to get by. But I’m going to be very strict on myself with this from now on. Because at the end of the day, the late fees and interest I’ve paid could pay another bill. Basically it’s giving away money and ain’t nobody got time for that.

So paying my bills on time has become one of my biggest priorities.

Monitor my Credit Report

I need to pay more attention to my credit. I have been making sure that negative things aren’t being reported, and making sure that my on time payments are being reported properly. But I still have some work to do on my credit. I am going to dedicate a lot of time this year to working on the things I need to work on. A lot of stuff that’s on there is old and I know I can negotiate payment or have it removed completely.

Those are the seven things that I will be doing to get my money right in 2019 because it isn’t cute to be out here looking fabulous and your financial situation is in shambles. OK? Ok!

get your money in order

By: Nakisha Wynn · In: Family Finances

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I'm Nakisha. Welcome to my online home. I share glimpses of my life as a mompreneur and tips to help you build a thriving online business too.

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Don’t ever confuse what you’re offered, for wh Don’t ever confuse what you’re offered, for what you’re worth!

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#blackmomskillingit #blackmomblogger #mommystyle #browngirlbloggers #blackmomsblog #literalmomgoals #themillionairemomsclub #blackmomceo
#mompreneurship #mompreneurlife #mompreneurs #mombosslife #mombosses #9tothrive #goalgettermindset #shemeansbusiness
The way I’m set up I can only give my energy to The way I’m set up I can only give my energy to a few things at a time. At the top of the year I was coming in hot and then boom….Omarion. 

In the midst of feeling crappy I had all kinds of brand deals due, a launch to execute, and babies to take care of. It was A LOT! 

When life be LIFEing it’s hard for me to focus on anything outside of my household. I’m fully present in real life so the virtual world gets put on pause. And I know that’s not the best idea when your building a business but…sanity!

Oh and passive marketing 😉

I finally have my energy back, and I’ve been posting on the Youtube channel and chatting with my email peeps…. I missed y’all.

Here’s to me getting it together and finding my way back. 

Happy Monday y’all!!

PS. What’s up with all these spam comments and bots? 🤨
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#themillionairemomsclub #motivatedwomen #blackmomceo
#mompreneurship #mompreneurlife #mombosslife #mombosses #motherhustler #9tothrive #goalgettermindset #theeverymom #momstyle
4 years ago I left my job with nothing! A month e 4 years ago I left my job with nothing!

A month earlier I realized I wasn’t happy. I was tired and frustrated with myself for living beneath my potential. Nothing was necessarily “wrong” I just knew there had to be more. I prayed and asked God to lead me into what was next.

Two weeks later I witnessed my coworker jack up my 3 year old and put her on the wall because she ran out of line and onto the playground too soon…..

Two days later my boss told me the state came in and saw she had me working in a position I wasn’t certified to be doing (nor getting the pay for 😒) and I needed to get it asap!

The morning of the test I woke up and realized I slept through my alarm, her multiple texts and the test! 🥴 I took that as my sign to move on. So I did!

At the time all I had was hope and a dream. I figured I could side hustle my way to what I was making then. All I knew was that my babies needed all of me, not some unhappy fraction of who I could really be for them. 

Even though I had no clue what I was doing or how I was going to make it work, I did it anyway! 

After getting up and calling my boss back to tell her I was gonna move on, I picked up my camera to document the moment.

A few days ago someone commented on that very video, I needed that in the moment. I realized I’ve come so far, did what I intended to do and am working toward the life that girl wanted! She’d be proud.

Thank you all for your continued support! I hope you know your journey to success may look a lil different in the beginning but trust yourself, something great is waiting on the other side of your decision!
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#blackmomsblog #blackgirlswhoblog #blackbusinesscoach  #womeninbusiness #themillionairemomsclub #motivatedwomen #blackmomceo
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So we one week in how y’all feeling? I’m happ So we one week in how y’all feeling?

I’m happy with how the week went, I was pretty productive with good a pace.

Today I’m out in these Friday streets doing Friday things and preparing for a brand shoot this weekend. 

Ran in Homegoods & Hobby Lobby and topping it off with Chick fil A. I gotta make sure I throw away all evidence so my kids don’t see it tho. 🥴😩😂

The kids and I are gonna watch Sing 2 from the comfort of our couch this evening. Thank you @singmovie 

Anyway, Happy Friday yall! 

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#fridayvibes #happyfridayyall #blackmomskillingit #blackmomblogger #blackbloggers #browngirlbloggers #blackmomsblog #blackgirlswhoblog #literalmomgoals #mompreneurs #mombosslife #mombosses #9tothrive #goalgettermindset
It’s the first Monday of the month and all I’m It’s the first Monday of the month and all I’m thinking about is “How can I be better than I was last year!”

I’m done with doubting myself because I can do anything with God on my team.

I’m done with imposter syndrome because “I did that” the receipts are in!

This year I’m getting back fine 😜 aggressively delegating, staying consistent, living more, complaining less and gratefully celebrating every single moment.

That’s it. Those are the plans.

I hope you find the courage to do the same!

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#newyearnewgoals #newyeargoals #womeninbusiness #themillionairemomsclub #blackmomceo #mompreneurship #mompreneurlife #mompreneurs #mombosslife #motherhustler #9tothrive #goalgettermindset #shemeansbusiness #realmomstyle #mommystyle #bloggerstyle #hmxme @hm

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