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financialtip - 4.1k posts

Top Posts

  • Popular financial planning blunders Jamaicans make include not buying life and health insurance and increasing debt to purchase luxury goods before giving priority to important financial decisions that can increase their wealth over the long term (e.g. creating a pension plan, saving, investing in education etc.).
⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
These avoidable decisions usually come to mind when health and financial challenges arise in the future.

Delaying gratification today can help you build wealth and even secure your financial and physical health tomorrow.

#moneymondays #financialtip #ncbcapitalmarkets
  • Popular financial planning blunders Jamaicans make include not buying life and health insurance and increasing debt to purchase luxury goods before giving priority to important financial decisions that can increase their wealth over the long term (e.g. creating a pension plan, saving, investing in education etc.).
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
    These avoidable decisions usually come to mind when health and financial challenges arise in the future.

    Delaying gratification today can help you build wealth and even secure your financial and physical health tomorrow.

    #moneymondays #financialtip #ncbcapitalmarkets
  • 198 0 14 October, 2019
  • Thought I looked cute.. might delete later. 😂 fun fact: I haven’t owned a full length mirror in 3 years and I don’t get dressed up enough to care what I look like head to toe so when I do have those rare occasions I literally have to set the timer on my phone so I can see how I look and sometimes it works —> and sometimes it doesn’t 😁🙈... outfit is from express from a few years back and my tip is before you buy ANYTHING type into google coupons from where you are buying from. I do it all the time and 90% of the time there are promo codes or coupons to use! Easiest way to shop and save some money 🤗 .
.
.
.
#moneysaver #financialtip #tipoftheday #express #fashionforcheap #blogging #instagramgood #dressuptime #rompersarelife #wisconsingirl #dinnerdate
  • Thought I looked cute.. might delete later. 😂 fun fact: I haven’t owned a full length mirror in 3 years and I don’t get dressed up enough to care what I look like head to toe so when I do have those rare occasions I literally have to set the timer on my phone so I can see how I look and sometimes it works —> and sometimes it doesn’t 😁🙈... outfit is from express from a few years back and my tip is before you buy ANYTHING type into google coupons from where you are buying from. I do it all the time and 90% of the time there are promo codes or coupons to use! Easiest way to shop and save some money 🤗 .
    .
    .
    .
    #moneysaver #financialtip #tipoftheday #express #fashionforcheap #blogging #instagramgood #dressuptime #rompersarelife #wisconsingirl #dinnerdate
  • 644 33 11 hours ago
  • #FinancialTip: Using more than 30% of your available credit limit will have a negative effect on your credit score.,, Most people believe that as long as they are not going over their available limit they are properly managing their credit but truth be told if you use too much of your credit limit it will NEGATIVELY impact your score. A personal finance rule of thumb is that if you want to maintain a good credit score, keep your "credit utilization ratio" -- what you use versus how much you have to use -- below 30 percent. The rule applies to each card individually, and to the cumulative limits of all your cards. For
example if you have a credit card line with a $1000 limit, for the
best credit score, don't carry a balance higher than $300.

Please be clear... The lower you keep your balance the better it will help your score. FICO (the company that originated the credit scoring system and the largest provider or credit scores) actually suggest to keep it between 10-20%. They surveyed people who had a credit score of
750+ and on average they are only using 7% of their limits

Keep in mind that your usage ratio is 30% of your credit score so this
is not the only factor in keeping your score up. 35% = Payment
History, 15% = Length of Credit History, 10% = New Credit, & 10% = Credit Mix... In short if you want to maintain a good credit score then:
1) Pay your bills on time
2) Keep your usage ratio below 30% (below 10% if you want excellent credit)
3) Keep your credit accounts open (Closing accounts can hurt you)
4) Don't apply for any unnecessary credit (2 points are deducted from
your score every time you apply for credit)
5) Keep a good credit mix of at least 5 positive trade lines (credit
cards, loans, etc)

____________________________________________________________
#askashcash #financetips #mindrightmoneyright #financialempowerment
#finance #thinkandgrowrich #motivation #moneyhabits #rich #harlem
#canihavesomemoney #entertainment #entrepreneur #enterprise #success
#oldmoney #whcr #thevoiceofharlem #harlemradio #whcr #branding #stocks
#finance #bullbear #bearmarket #nyse #wallstreet #harlemradio
#irestore #creditrepair #creditrestoration #creditfix
  • #FinancialTip : Using more than 30% of your available credit limit will have a negative effect on your credit score.,, Most people believe that as long as they are not going over their available limit they are properly managing their credit but truth be told if you use too much of your credit limit it will NEGATIVELY impact your score. A personal finance rule of thumb is that if you want to maintain a good credit score, keep your "credit utilization ratio" -- what you use versus how much you have to use -- below 30 percent. The rule applies to each card individually, and to the cumulative limits of all your cards. For
    example if you have a credit card line with a $1000 limit, for the
    best credit score, don't carry a balance higher than $300.

    Please be clear... The lower you keep your balance the better it will help your score. FICO (the company that originated the credit scoring system and the largest provider or credit scores) actually suggest to keep it between 10-20%. They surveyed people who had a credit score of
    750+ and on average they are only using 7% of their limits

    Keep in mind that your usage ratio is 30% of your credit score so this
    is not the only factor in keeping your score up. 35% = Payment
    History, 15% = Length of Credit History, 10% = New Credit, & 10% = Credit Mix... In short if you want to maintain a good credit score then:
    1) Pay your bills on time
    2) Keep your usage ratio below 30% (below 10% if you want excellent credit)
    3) Keep your credit accounts open (Closing accounts can hurt you)
    4) Don't apply for any unnecessary credit (2 points are deducted from
    your score every time you apply for credit)
    5) Keep a good credit mix of at least 5 positive trade lines (credit
    cards, loans, etc)

    ____________________________________________________________
    #askashcash #financetips #mindrightmoneyright #financialempowerment
    #finance #thinkandgrowrich #motivation #moneyhabits #rich #harlem
    #canihavesomemoney #entertainment #entrepreneur #enterprise #success
    #oldmoney #whcr #thevoiceofharlem #harlemradio #whcr #branding #stocks
    #finance #bullbear #bearmarket #nyse #wallstreet #harlemradio
    #irestore #creditrepair #creditrestoration #creditfix
  • 101 9 18 November, 2015
  • Where are my fellow goal getters at?!
.
I'm obsessed with this colour tracker by @tashcorbin that @orit.krug.dance.therapist got me last year & highly recommend it for anyone that has some goals they're struggling to meet or just wants a little more fun motivation en route to them. I surpassed a HUGE income goal this month and I truly believe that this bad boy helped me stay focused & intentional about getting there. Either way, it was a fun way to track my progress and visualize where I was at along the way. And no - I’m zero parts ashamed to be an adult who colors or a woman who talks about money. 🤷🏼‍♀️
.
Step 1️⃣: pick a target goal + date & something you’ll reward yourself with if you achieve it
Step 2️⃣: decide what each element will represent
Step 3️⃣: track your progress daily by coloring in each element as you achieve it over the decided time frame
Step 4️⃣: reward yourself if you reach your target goal; re-group & try again if you don’t
👉🏼Swipe👉🏼 to see an example of the layout
.
Some ideas:
▫️income earned
▫️money saved
▫️workouts completed
▫️words written
▫️miles ran
▫️pages read
.
What goals do you have for the next 30 days & how will you measure them/reward yourself?
  • Where are my fellow goal getters at?!
    .
    I'm obsessed with this colour tracker by @tashcorbin that @orit.krug.dance.therapist got me last year & highly recommend it for anyone that has some goals they're struggling to meet or just wants a little more fun motivation en route to them. I surpassed a HUGE income goal this month and I truly believe that this bad boy helped me stay focused & intentional about getting there. Either way, it was a fun way to track my progress and visualize where I was at along the way. And no - I’m zero parts ashamed to be an adult who colors or a woman who talks about money. 🤷🏼‍♀️
    .
    Step 1️⃣: pick a target goal + date & something you’ll reward yourself with if you achieve it
    Step 2️⃣: decide what each element will represent
    Step 3️⃣: track your progress daily by coloring in each element as you achieve it over the decided time frame
    Step 4️⃣: reward yourself if you reach your target goal; re-group & try again if you don’t
    👉🏼Swipe👉🏼 to see an example of the layout
    .
    Some ideas:
    ▫️income earned
    ▫️money saved
    ▫️workouts completed
    ▫️words written
    ▫️miles ran
    ▫️pages read
    .
    What goals do you have for the next 30 days & how will you measure them/reward yourself?
  • 102 54 27 February, 2019
  • Cultivate a good savings habit. It will make you smile more when you think of your finances.
Open a Zenith Bank savings account today.
#FinancialTip #Banking #SavingsAccount
  • Cultivate a good savings habit. It will make you smile more when you think of your finances.
    Open a Zenith Bank savings account today.
    #FinancialTip #Banking #SavingsAccount
  • 152 2 13 June, 2017

Latest Instagram Posts

  • #FinancialTip

We hope this helps with your finances, monthly budget and spend. .
.
#Like #Share and #Tag a friend who needs to see this :)
  • #FinancialTip

    We hope this helps with your finances, monthly budget and spend. .
    .
    #Like #Share and #Tag a friend who needs to see this :)
  • 12 0 6 hours ago
  • When you start working at a new job, you might be happily surprised by your salary — or abysmally disappointed. Regardless of your situation, your real hourly rate is different than your salary and should be the foundation of any budget or spending plan. #FinancialTip #Tuesday
  • When you start working at a new job, you might be happily surprised by your salary — or abysmally disappointed. Regardless of your situation, your real hourly rate is different than your salary and should be the foundation of any budget or spending plan. #FinancialTip #Tuesday
  • 8 1 10 hours ago
  • Upgrading yourself to stay relevant and productive is the biggest investment you can make. It’s never too late to learn a new skill. Cultivate the habit of constantly learning new skills and see your income streams increase with your new skill set.  #GTBankgh #FinancialTip
  • Upgrading yourself to stay relevant and productive is the biggest investment you can make. It’s never too late to learn a new skill. Cultivate the habit of constantly learning new skills and see your income streams increase with your new skill set.  #GTBankgh #FinancialTip
  • 25 0 16 hours ago
  • It’s always exciting when the new ‘gotta-have’ gadgets launch. Don’t let the hype mislead you to think you must get the newest phone every time one comes out. Most cell phones have a life span of 3-5 years, and the newer models don’t have drastically different features. Save your money and put it toward debt or savings goals instead!
  • It’s always exciting when the new ‘gotta-have’ gadgets launch. Don’t let the hype mislead you to think you must get the newest phone every time one comes out. Most cell phones have a life span of 3-5 years, and the newer models don’t have drastically different features. Save your money and put it toward debt or savings goals instead!
  • 1 1 14 October, 2019
  • Popular financial planning blunders Jamaicans make include not buying life and health insurance and increasing debt to purchase luxury goods before giving priority to important financial decisions that can increase their wealth over the long term (e.g. creating a pension plan, saving, investing in education etc.).
⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
These avoidable decisions usually come to mind when health and financial challenges arise in the future.

Delaying gratification today can help you build wealth and even secure your financial and physical health tomorrow.

#moneymondays #financialtip #ncbcapitalmarkets
  • Popular financial planning blunders Jamaicans make include not buying life and health insurance and increasing debt to purchase luxury goods before giving priority to important financial decisions that can increase their wealth over the long term (e.g. creating a pension plan, saving, investing in education etc.).
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
    These avoidable decisions usually come to mind when health and financial challenges arise in the future.

    Delaying gratification today can help you build wealth and even secure your financial and physical health tomorrow.

    #moneymondays #financialtip #ncbcapitalmarkets
  • 198 0 14 October, 2019
  • One of the biggest category that kills our budget is FOOD. If we fail to prepare, we will lose this battle.

Eating out can cost us dearly. It is imperative to meal prep and plan for the week. Most of the times when we are on the run, we will eat what we find and it's not always healthy. Other times, we overspend and eat out too often with no control on our budget.

Meal-prep can save you money and time.

If you MEAL-PREP for the week or even for every 3 days, it will make a big difference on your weekly or monthly budget.

START now.
  • One of the biggest category that kills our budget is FOOD. If we fail to prepare, we will lose this battle.

    Eating out can cost us dearly. It is imperative to meal prep and plan for the week. Most of the times when we are on the run, we will eat what we find and it's not always healthy. Other times, we overspend and eat out too often with no control on our budget.

    Meal-prep can save you money and time.

    If you MEAL-PREP for the week or even for every 3 days, it will make a big difference on your weekly or monthly budget.

    START now.
  • 6 1 14 October, 2019
  • 7 7 14 October, 2019
  • How to secure the COMPETITIVE EDGE for your business? 💥⠀
⠀
Partner with us! 🙋⠀
⠀
At @Growth_IQ we will: ⠀⠀
✔️ Help you tackle unique business challenges to ensure sustainable growth⠀⠀
✔️ Maximise your business strengths and mitigate your weaknesses⠀⠀⠀
✔️ Help your business achieve exceptional results⠀⠀⠀
✔️ Work with YOU through collaboration, mutual respect and honesty.⠀⠀⠀
✔️ Provide a full analysis and recommendation, specific to your business. ⠀⠀
⠀
Partner with us and we'll help you stand out in your field 😏 ⠀⠀
⠀⠀
#growthiq #growthiqaccountants #growthiqaccounting #growthiqbusiness #growthiqadelaide
  • How to secure the COMPETITIVE EDGE for your business? 💥⠀

    Partner with us! 🙋⠀

    At @Growth_IQ we will: ⠀⠀
    ✔️ Help you tackle unique business challenges to ensure sustainable growth⠀⠀
    ✔️ Maximise your business strengths and mitigate your weaknesses⠀⠀⠀
    ✔️ Help your business achieve exceptional results⠀⠀⠀
    ✔️ Work with YOU through collaboration, mutual respect and honesty.⠀⠀⠀
    ✔️ Provide a full analysis and recommendation, specific to your business. ⠀⠀

    Partner with us and we'll help you stand out in your field 😏 ⠀⠀
    ⠀⠀
    #growthiq #growthiqaccountants #growthiqaccounting #growthiqbusiness #growthiqadelaide
  • 17 1 14 October, 2019
  • Customer Service vs Customer Experience ➡️ how should you be operating your business?⠀
⠀
Customer SERVICE is defined as, “the assistance & advice provided by a company to those who buy or use its products or services.” It is REACTIVE, or when requested. For example, answering a client within the same day when they have a question is an example of good customer service.⠀
⠀
Customer EXPERIENCE can be defined as, “the sum of all of a brands touch points, both on line and off line, through human representatives and now technology.” It is PROACTIVE and looks at your customer’s complete journey with your company. A pleasurable experience is crafted all the way through, from the experience they have on your website all the way through to how they pay for your service.⠀
⠀
If you're interested in improving your customer EXPERIENCE, check out the blog on our website: "Customer Experience is the New Black and what you can do to ensure that your CX is on point". ➡️ #linkinbio ⠀
⠀
Alternatively, reach out to us for a free meeting this week!⠀
⠀
#growthiq #growthiqaccountants #growthiqaccounting #growthiqbusiness #growthiqadelaide
  • Customer Service vs Customer Experience ➡️ how should you be operating your business?⠀

    Customer SERVICE is defined as, “the assistance & advice provided by a company to those who buy or use its products or services.” It is REACTIVE, or when requested. For example, answering a client within the same day when they have a question is an example of good customer service.⠀

    Customer EXPERIENCE can be defined as, “the sum of all of a brands touch points, both on line and off line, through human representatives and now technology.” It is PROACTIVE and looks at your customer’s complete journey with your company. A pleasurable experience is crafted all the way through, from the experience they have on your website all the way through to how they pay for your service.⠀

    If you're interested in improving your customer EXPERIENCE, check out the blog on our website: "Customer Experience is the New Black and what you can do to ensure that your CX is on point". ➡️ #linkinbio

    Alternatively, reach out to us for a free meeting this week!⠀

    #growthiq #growthiqaccountants #growthiqaccounting #growthiqbusiness #growthiqadelaide
  • 12 1 13 October, 2019
  • Delayed gratification is a usual tactic that wealthy individuals practice. They celebrate or reward themselves only until something important gets done first or after reaching a goal within a certain time frame. 
#billionairemindset #financialtip #delayedgratification
  • Delayed gratification is a usual tactic that wealthy individuals practice. They celebrate or reward themselves only until something important gets done first or after reaching a goal within a certain time frame.
    #billionairemindset #financialtip #delayedgratification
  • 10 0 13 October, 2019
  • Financial Tip #38 Where did my money go?

This is a question we have all asked ourselves in one point. You should start working on a tally or journal to see where are you spending your money. Is it on food, health, luxuries, dates or your car. 
Give this method a try. You’ll find yourself being more money smart and maybe can save more money than you think 
#financialtip #finance #money #tip #financialfreedom #financialadvisor #friday #fridayquotes
  • Financial Tip #38 Where did my money go?

    This is a question we have all asked ourselves in one point. You should start working on a tally or journal to see where are you spending your money. Is it on food, health, luxuries, dates or your car.
    Give this method a try. You’ll find yourself being more money smart and maybe can save more money than you think
    #financialtip #finance #money #tip #financialfreedom #financialadvisor #friday #fridayquotes
  • 20 0 11 October, 2019
  • Never go into debt for things you want and don’t need. If you have your eyes set on a new outfit, the latest and greatest cell phone, or tickets to a concert, take the time to plan, budget, and save your money to make it happen. It’ll be a more rewarding experience and will save you from the buyer’s remorse you would feel using your credit card or blowing your budget.
  • Never go into debt for things you want and don’t need. If you have your eyes set on a new outfit, the latest and greatest cell phone, or tickets to a concert, take the time to plan, budget, and save your money to make it happen. It’ll be a more rewarding experience and will save you from the buyer’s remorse you would feel using your credit card or blowing your budget.
  • 1 1 11 October, 2019
  • Friday fun... riddle me this... who am I?

My strategies can minimise tax, but I am not an Accountant, I understand some law, but I am not a Lawyer, I consider your feelings and behaviours, but I am not a Counsellor, I can build and restore things, but I am not a Builder, I can draw up a plan but I am not an Architect... I educate you but I am not a Teacher, I can diagnose but I am not a Doctor, I can protect your best interests but I am not a Policeman/woman 👮‍♀️👨‍🏫 I can take you to a destination but I am not an Airline Pilot, I can interview and share the news but I am not a Reporter, I can safely sail you through rough waters but I am not a Captain or even a Lighthouse... ⛵️✈️ I can put out fires and rescue but I am not a Fireman, I can understand volatility but I am not a Seismograph, I can plan for stormy weather but I am not a Meteorologist, I fix a leak but I am not a Plumber, I turn on lights but I am not an Electrician, I can make something that fits you well, but I am not a Tailor, I can fill a prescription but I am not a Chemist, I can fill gaps but I am not a Dentist ✨

I can dig for clues but I am not a Detective nor a Miner. I can print a lot, but I am not a Printer 🕵️‍♀️📄 You can find me at University but I am not a Lecturer, I listen to confessions and can preach but I am not a Priest.

I can help you fund retirement but I am not Centrelink.

I hunt and have my pride, but I am not a Lion or Lioness... 🦁

Most of all I can give you what you want (if you're good..), but I am not Santa Claus 🎅

Or am I? 🤩🙌 How many professions am I?

By Andrew Lane, 2019 - with inspiration from my wonderful wife, Melinda.
. .
.
#financialadvice #banking #budget #pwdreamteam #pursuewealth #financialtip #advice #goals #lifegoals #lifestyle #money #wealth #freedom #Melbourne #property #travel #dreamhome #EOFY
  • Friday fun... riddle me this... who am I?

    My strategies can minimise tax, but I am not an Accountant, I understand some law, but I am not a Lawyer, I consider your feelings and behaviours, but I am not a Counsellor, I can build and restore things, but I am not a Builder, I can draw up a plan but I am not an Architect... I educate you but I am not a Teacher, I can diagnose but I am not a Doctor, I can protect your best interests but I am not a Policeman/woman 👮‍♀️👨‍🏫 I can take you to a destination but I am not an Airline Pilot, I can interview and share the news but I am not a Reporter, I can safely sail you through rough waters but I am not a Captain or even a Lighthouse... ⛵️✈️ I can put out fires and rescue but I am not a Fireman, I can understand volatility but I am not a Seismograph, I can plan for stormy weather but I am not a Meteorologist, I fix a leak but I am not a Plumber, I turn on lights but I am not an Electrician, I can make something that fits you well, but I am not a Tailor, I can fill a prescription but I am not a Chemist, I can fill gaps but I am not a Dentist ✨

    I can dig for clues but I am not a Detective nor a Miner. I can print a lot, but I am not a Printer 🕵️‍♀️📄 You can find me at University but I am not a Lecturer, I listen to confessions and can preach but I am not a Priest.

    I can help you fund retirement but I am not Centrelink.

    I hunt and have my pride, but I am not a Lion or Lioness... 🦁

    Most of all I can give you what you want (if you're good..), but I am not Santa Claus 🎅

    Or am I? 🤩🙌 How many professions am I?

    By Andrew Lane, 2019 - with inspiration from my wonderful wife, Melinda.
    . .
    .
    #financialadvice #banking #budget #pwdreamteam #pursuewealth #financialtip #advice #goals #lifegoals #lifestyle #money #wealth #freedom #Melbourne #property #travel #dreamhome #EOFY
  • 9 0 11 October, 2019
  • TIP: Measure your business activities MONTHLY!⠀⠀
⠀⠀
Well this seems like a good idea?! But it's scary how many business owners don't in fact do this. Many business owners usually just rely on their tax accountant to produce annual financials, which are used as performance reports. Thus operating on a year to year basis, which doesn't accurately reflect the current climate of the business. 🤦 ⠀⠀
⠀⠀
Looking at your financial performance on an ANNUAL basis is like driving down a freeway with a blindfold on... By the time you realise you’re off track it will probably be too late... ⠀😱⠀
⠀⠀
However, there is support out there - with cloud technology at scale and proactive accounting firms like US! ⠀
⠀
At @growth_iq we offer ongoing Bookkeeping, Accounting and Advisory support, so the game is right there for the taking - for those that want it⠀
.⠀ ⠀⠀
So our financial tip for you this week? Measure your activities monthly, tweak your activities as you go and greatly increase your chances of winning!⠀⠀
⠀
#growthiq #growthiqaccountants #growthiqaccounting #growthiqbusiness #growthiqadelaide
  • TIP: Measure your business activities MONTHLY!⠀⠀
    ⠀⠀
    Well this seems like a good idea?! But it's scary how many business owners don't in fact do this. Many business owners usually just rely on their tax accountant to produce annual financials, which are used as performance reports. Thus operating on a year to year basis, which doesn't accurately reflect the current climate of the business. 🤦 ⠀⠀
    ⠀⠀
    Looking at your financial performance on an ANNUAL basis is like driving down a freeway with a blindfold on... By the time you realise you’re off track it will probably be too late... ⠀😱⠀
    ⠀⠀
    However, there is support out there - with cloud technology at scale and proactive accounting firms like US! ⠀

    At @growth_iq we offer ongoing Bookkeeping, Accounting and Advisory support, so the game is right there for the taking - for those that want it⠀
    .⠀ ⠀⠀
    So our financial tip for you this week? Measure your activities monthly, tweak your activities as you go and greatly increase your chances of winning!⠀⠀

    #growthiq #growthiqaccountants #growthiqaccounting #growthiqbusiness #growthiqadelaide
  • 38 1 10 October, 2019
  • Have a Savings Plan. You've heard it before: Pay yourself first! If you wait until you've met all your other financial obligations before seeing what's left over for saving, chances are you'll never have a healthy savings account or investments. 
Resolve to set aside a minimum of 5% to 10% of your salary for savings BEFORE you start paying your bills. Better yet, have money automatically deducted from your paycheck and deposited into a separate account.

#financialtip #saveyourmoney #savingsfirst #communitybank #communitybanking
  • Have a Savings Plan. You've heard it before: Pay yourself first! If you wait until you've met all your other financial obligations before seeing what's left over for saving, chances are you'll never have a healthy savings account or investments.
    Resolve to set aside a minimum of 5% to 10% of your salary for savings BEFORE you start paying your bills. Better yet, have money automatically deducted from your paycheck and deposited into a separate account.

    #financialtip #saveyourmoney #savingsfirst #communitybank #communitybanking
  • 3 0 9 October, 2019
  • Chris continues to crush it! Want to be like Chris? Just follow this link www.strengthinnumberscoaching.com/jumpstart
  • Chris continues to crush it! Want to be like Chris? Just follow this link www.strengthinnumberscoaching.com/jumpstart
  • 9 2 9 October, 2019
  • ➕ CREDIT TIP OF THE DAY➕ 💳DON'T  MAX OUT YOUR CREDIT CARDS💳

As much as possible, just use a third of your available credit limit. 
The amount of credit you have and are using every month will a big effect on your credit score. 💳

#30PercentRule #FinancialTip
  • ➕ CREDIT TIP OF THE DAY➕ 💳DON'T MAX OUT YOUR CREDIT CARDS💳

    As much as possible, just use a third of your available credit limit.
    The amount of credit you have and are using every month will a big effect on your credit score. 💳

    #30PercentRule #FinancialTip
  • 0 0 9 October, 2019
  • Did you know, social media could drive us to spend impulsively?

Here we bring you 4 WAYS social media can affect the way we spend! 🌟 Advertising - Facebook and Instagram are more than just social networking platforms, these have evolved to become powerful advertising tools. With all the data available on social platforms, companies have the ability to tailor advertising and grab your attention more easily. 🌟 Fear of missing out - social media tends to drive us to compare our lifestyle amongst each other. These comparisons can trigger a fear of missing out or FOMO, leading us to spend just to keep up with everyone else. 🌟 Encouraging imitation - images of products or aspirational lifestyles posted on social media by people we respect or admire might influence you to spend unnecessarily as we look to them for guidance. 🌟 Seamless shopping experience - social media has made shopping extremely easy and accessible. Now, as you scroll through your feed, you can purchase things without even leaving the platform. 🌟 Making smart choices - social media can help us make better choices by exposing us to more products and experiences of those who've consumed them. However, it can also lead us to impulsive consumption.

The problem is not social media, it is to what extent you let it influence your behaviour. By setting financial goals, and having a clear plan, you can make smart choices with your money!

Get started, contact us and start living the life you want! Link in our bio!
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#financialadvice #banking #budget #pwdreamteam #pursuewealth #financialtip #advice #goals #lifegoals #lifestyle #money #wealth #freedom #Melbourne #property #travel #dreamhome #socialmedia
  • Did you know, social media could drive us to spend impulsively?

    Here we bring you 4 WAYS social media can affect the way we spend! 🌟 Advertising - Facebook and Instagram are more than just social networking platforms, these have evolved to become powerful advertising tools. With all the data available on social platforms, companies have the ability to tailor advertising and grab your attention more easily. 🌟 Fear of missing out - social media tends to drive us to compare our lifestyle amongst each other. These comparisons can trigger a fear of missing out or FOMO, leading us to spend just to keep up with everyone else. 🌟 Encouraging imitation - images of products or aspirational lifestyles posted on social media by people we respect or admire might influence you to spend unnecessarily as we look to them for guidance. 🌟 Seamless shopping experience - social media has made shopping extremely easy and accessible. Now, as you scroll through your feed, you can purchase things without even leaving the platform. 🌟 Making smart choices - social media can help us make better choices by exposing us to more products and experiences of those who've consumed them. However, it can also lead us to impulsive consumption.

    The problem is not social media, it is to what extent you let it influence your behaviour. By setting financial goals, and having a clear plan, you can make smart choices with your money!

    Get started, contact us and start living the life you want! Link in our bio!
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    .
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    #financialadvice #banking #budget #pwdreamteam #pursuewealth #financialtip #advice #goals #lifegoals #lifestyle #money #wealth #freedom #Melbourne #property #travel #dreamhome #socialmedia
  • 7 0 9 October, 2019
  • For new business owners, starting out can be stressful. Your new business venture or "side hustle" tends to take up A LOT of your time and energy. ⠀
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Your now having to think about tax, superannuation, legal compliance, marketing, a website, customer service... it all becomes overwhelming! ⠀
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BUT, if the FINANCIAL side of your business is causing you stress, let us step in! 🙋⠀⠀
We will give you peace of mind knowing that all your statutory compliance requirements have been met and legal obligations are fulfilled. ✔️⠀⠀
We will take care of your bookkeeping function and provide you with financial insights to facilitate informed and proactive business decisions. ✔️⠀⠀
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When you take steps to decrease stress, your productivity will increase and your business will thrive! 💯 ⠀⠀
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#growthiq #growthiqaccountants #growthiqadelaide #growthiqbusiness
  • For new business owners, starting out can be stressful. Your new business venture or "side hustle" tends to take up A LOT of your time and energy. ⠀

    Your now having to think about tax, superannuation, legal compliance, marketing, a website, customer service... it all becomes overwhelming! ⠀

    BUT, if the FINANCIAL side of your business is causing you stress, let us step in! 🙋⠀⠀
    We will give you peace of mind knowing that all your statutory compliance requirements have been met and legal obligations are fulfilled. ✔️⠀⠀
    We will take care of your bookkeeping function and provide you with financial insights to facilitate informed and proactive business decisions. ✔️⠀⠀
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    When you take steps to decrease stress, your productivity will increase and your business will thrive! 💯 ⠀⠀
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    #growthiq #growthiqaccountants #growthiqadelaide #growthiqbusiness
  • 22 3 9 October, 2019
  • The Wicked World of Self Employment Taxes
  • The Wicked World of Self Employment Taxes
  • 69 4 8 October, 2019
  • #EarlyDecision vs #EarlyAction -
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It’s that time of the year when students are applying early to college. There are differences between Early DECISION and Early ACTION to keep in mind.-
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The biggest difference of them all....early DECISION means 🗣 “we go together” if you are accepted! 💍🔒💕 No turning back!-
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Applying early is a great way to get your applications submitted so that you can have one less thing to do senior year. However, early applicants must be organized to ensure their application(s) and supporting documents (transcript, letters of recommendation, test scores, etc) are ready to go by early November...sometimes sooner!-
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#financialtip I don’t recommend applying ED. Only because ED is a binding contract stating you must accept the offer even if you are not offered the financial aid you were hoping for. However, EA allows you to still get accepted early, but you can wait to make your decision after financial aid packages for all schools you have applied to are in. I highly recommend accepting the offer of the school that offers you the most aid in grants, scholarships, and work study! #tagafriend
  • #EarlyDecision vs #EarlyAction -
    .
    .
    It’s that time of the year when students are applying early to college. There are differences between Early DECISION and Early ACTION to keep in mind.-
    .
    .
    The biggest difference of them all....early DECISION means 🗣 “we go together” if you are accepted! 💍🔒💕 No turning back!-
    .
    .
    Applying early is a great way to get your applications submitted so that you can have one less thing to do senior year. However, early applicants must be organized to ensure their application(s) and supporting documents (transcript, letters of recommendation, test scores, etc) are ready to go by early November...sometimes sooner!-
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    #financialtip I don’t recommend applying ED. Only because ED is a binding contract stating you must accept the offer even if you are not offered the financial aid you were hoping for. However, EA allows you to still get accepted early, but you can wait to make your decision after financial aid packages for all schools you have applied to are in. I highly recommend accepting the offer of the school that offers you the most aid in grants, scholarships, and work study! #tagafriend
  • 11 1 8 October, 2019
  • A simple but highly effective #FinancialTip! Did you know that writing down your goals makes you more likely to actually achieve them? Taking the time to put together a list of upcoming items or events you wish to save up for is a great way to prioritize your spending patterns. Think about it- does buying that $8 shirt really seem like a great bargain compared to saving up for a new car?
  • A simple but highly effective #FinancialTip ! Did you know that writing down your goals makes you more likely to actually achieve them? Taking the time to put together a list of upcoming items or events you wish to save up for is a great way to prioritize your spending patterns. Think about it- does buying that $8 shirt really seem like a great bargain compared to saving up for a new car?
  • 15 1 8 October, 2019
  • Here is something to consider when it comes to savings. You should only dip into your emergency savings account if you’ve lost your job, you have a medical emergency, your car breaks down, you have emergency home expenses (like a leaky roof), or you need to travel to a funeral. 
Otherwise, if you can’t afford it, just say no. #financialtip #savemoremoney #communitybank #communitybanking
  • Here is something to consider when it comes to savings. You should only dip into your emergency savings account if you’ve lost your job, you have a medical emergency, your car breaks down, you have emergency home expenses (like a leaky roof), or you need to travel to a funeral.
    Otherwise, if you can’t afford it, just say no. #financialtip #savemoremoney #communitybank #communitybanking
  • 5 0 8 October, 2019
  • HIGHER technology investment is directly tied to faster revenue and business GROWTH - @Xero Small Business Insights⠀
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So, as a small to medium size business owner, what can you do, to better implement technology to experience growth in your business? ⠀
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Xero has shared some key insights to "lift digital connectivity and drive growth": ⠀
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1. Get Connected ➡️ whether you work out of a home office or a more traditional office space, ensure you utilise a high-speed broadband service. Connectivity will provide you with access to a range of digital technologies to reach more customers and implement digital tools to boost productivity. ⠀
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2. Grow your presence ➡️the opportunities the digital sphere provides to grow your presence online is endless! Online directories, websites, social media, search engine optimisation, automated email advertising, etc. Do your research, determine what platform/s are most effective to communicate with your target audience and use  digital tools to your advantage. ⠀
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3. Put the cloud to work for your business ➡️ cloud-based accounting software and relevant integrated third party apps can transform a small business. These platforms deliver valuable insights and will provide business owners the thing they value most... more time! ⠀
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4. Get protected and be cyber safe ➡️ take proactive measures against cyber security breaches. Small business is the target of 43% of all cyber crimes. Again, there are a number of ways to protect your business from cyber crimes, so take the time to determine what the best cyber protection is for you and your business. ⠀
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At @Growth_IQ, we harness technology to its fullest to provide intuitive, real-time reporting and financial insights to our clients to track business performance. ✔️⠀
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Get advisors who use technology... Partner with us and we'll help you stay ahead of the curve 😏 ⠀
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#growthiq #growthiqaccountants #growthiqaccounting #growthiqbusiness #growthiqadelaide
  • HIGHER technology investment is directly tied to faster revenue and business GROWTH - @Xero Small Business Insights⠀

    So, as a small to medium size business owner, what can you do, to better implement technology to experience growth in your business? ⠀

    Xero has shared some key insights to "lift digital connectivity and drive growth": ⠀

    1. Get Connected ➡️ whether you work out of a home office or a more traditional office space, ensure you utilise a high-speed broadband service. Connectivity will provide you with access to a range of digital technologies to reach more customers and implement digital tools to boost productivity. ⠀

    2. Grow your presence ➡️the opportunities the digital sphere provides to grow your presence online is endless! Online directories, websites, social media, search engine optimisation, automated email advertising, etc. Do your research, determine what platform/s are most effective to communicate with your target audience and use digital tools to your advantage. ⠀

    3. Put the cloud to work for your business ➡️ cloud-based accounting software and relevant integrated third party apps can transform a small business. These platforms deliver valuable insights and will provide business owners the thing they value most... more time! ⠀

    4. Get protected and be cyber safe ➡️ take proactive measures against cyber security breaches. Small business is the target of 43% of all cyber crimes. Again, there are a number of ways to protect your business from cyber crimes, so take the time to determine what the best cyber protection is for you and your business. ⠀

    At @Growth_IQ, we harness technology to its fullest to provide intuitive, real-time reporting and financial insights to our clients to track business performance. ✔️⠀

    Get advisors who use technology... Partner with us and we'll help you stay ahead of the curve 😏 ⠀

    #growthiq #growthiqaccountants #growthiqaccounting #growthiqbusiness #growthiqadelaide
  • 14 1 8 October, 2019
  • It is tempting to increase your spend when you get a pay raise. Resist the urge and channel your pay raise into savings and investment. The benefits are far more rewarding. #GTBankgh #FinancialTip
  • It is tempting to increase your spend when you get a pay raise. Resist the urge and channel your pay raise into savings and investment. The benefits are far more rewarding. #GTBankgh #FinancialTip
  • 51 0 8 October, 2019
  • Building your credit score is simple. Get some form of credit, put a little bit of money on it, and pay it off immediately.
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But it’s important to make sure you don’t sink into credit card debt while building credit. So what can you do about it?
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When I first got my credit card, I used it solely for books. At the time I was in college, so every semester I would put my books on my credit card.
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I picked my books because I knew I would be able to pay them off immediately.
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Pick something that is in your budget consistently and preferably something that is a pretty steady cost. This will prevent you from overspending on your credit card and getting into trouble.
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You don’t have to keep putting money on your credit card every week or month for it to improve your credit score. You just want to make sure you are at least using it a few times a year.
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When you pick one thing you will use it for, you will be less tempted to use it for other things. I wouldn’t recommend using your credit card for food though, since that can fluctuate pretty significantly.
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Once you use your card for the particular item you have chosen, put it away and don’t take it with you. The less temptation the better.
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It is not a good thing to max out your credit card or even get close to maxing out your credit card. Every time I have done this, my credit score has dropped.
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It is recommended to keep your credit utilization around 10-30%. Keep this in mind when choosing what items to regularly put on your credit card. The closer you can keep it to this range, the better.
  • Building your credit score is simple. Get some form of credit, put a little bit of money on it, and pay it off immediately.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    But it’s important to make sure you don’t sink into credit card debt while building credit. So what can you do about it?
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    When I first got my credit card, I used it solely for books. At the time I was in college, so every semester I would put my books on my credit card.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    I picked my books because I knew I would be able to pay them off immediately.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    Pick something that is in your budget consistently and preferably something that is a pretty steady cost. This will prevent you from overspending on your credit card and getting into trouble.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    You don’t have to keep putting money on your credit card every week or month for it to improve your credit score. You just want to make sure you are at least using it a few times a year.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    When you pick one thing you will use it for, you will be less tempted to use it for other things. I wouldn’t recommend using your credit card for food though, since that can fluctuate pretty significantly.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    Once you use your card for the particular item you have chosen, put it away and don’t take it with you. The less temptation the better.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    It is not a good thing to max out your credit card or even get close to maxing out your credit card. Every time I have done this, my credit score has dropped.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    It is recommended to keep your credit utilization around 10-30%. Keep this in mind when choosing what items to regularly put on your credit card. The closer you can keep it to this range, the better.
  • 4 1 8 October, 2019
  • This is an easy way to start an emergency fund, or funds for a vacation.

I’ve been doing this for many years using #ebay . There are so many options to generate money from things laying around your house or garage or from free items that people get rid off. There are no excuses. 😎
  • This is an easy way to start an emergency fund, or funds for a vacation.

    I’ve been doing this for many years using #ebay . There are so many options to generate money from things laying around your house or garage or from free items that people get rid off. There are no excuses. 😎
  • 4 1 7 October, 2019