Category: Investing

24 Daily Affirmations for Financial Freedom + Printable List

Money Affirmations to Help Achieve Financial Freedom

This post contains a free printable list of daily affirmations for financial freedom.  I highly recommend you print it out and give it a try! Wealth and money affirmations have the power to help you get out of debt, build your investments, and create habits that will transform your financial health.


Since I discovered how powerful daily affirmations are, they’ve been my go-to tool for anytime I’m demotivated or down.  AND THEY WORK. Every. Single. Time.  But not only do they work when I need a pick-me-up, they also are extremely powerful as a means to achieve any goal I have. Seriously.  And right now?  That means daily affirmations for full financial freedom – living debt-free, making more money, and having full control over my schedule.

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6 Life-Changing Habits that Will Get You Out of Debt

Just as with most big changes, getting out of debt is a lifestyle adjustment.  It’s not something you do in one big moment, it’s not something that’s done once and then over.  Living debt-free is a lifestyle and a mindset… a really, really great lifestyle and mindset.

So getting out of debt isn’t just about all the things you can do to save or make money (though those help). You can actually get out of debt by simply making little adjustments to your day that have huge and lasting impact.  Because when you keep up with these little adjustments, they turn into habits. And that’s when the magic starts!

So if you want to live debt-free and thus financially free, incorporate these habits into your life and watch the magic happen!

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52 Easy Ways to Boost Your Financial Health This Year

Ways to Improve Your Financial Health

The path to financial freedom may be long, but it is exciting and full of opportunities. There are so, so, so many different things you can do to improve your financial health and there’s no better time to start than now!  

My husband and I have tons of financial goals, so I am constantly on the lookout for more ways to be a savvy investor, frugal spender, and high earner.

Obviously, the easier the task, the more I love it!  So that is what this list is.  EASY things that you can do this year (just one a week!) to totally transform your finances and get yourself one big step (or 52 little steps) closer to financial freedom and debt-free living.

Good luck!  Make this the year that changes everything!

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How to Turn Budgeting into a Date Night

How to Create a Budgeting Date Night

I know what you are thinking: “Wow, Nikki. You guys must really have a lot of fun in your house. Budgeting date night. What a blast.”  And I get it. Budgeting gets a bad wrap.  It’s boring, restrictive, and uncomfortable.

Unless, of course, you make it fun, empowering, and inspiring.  Then, budgeting takes on a whole new life and becomes PERFECT for a date night.

THAT is what we do in our house.  We’ve turned budgeting into something we look forward to.  It motivates and excites us.  We love it so much that we do it to relieve stress and relax.  If we haven’t seen each other in a while and want to reconnect, we have a budgeting date night.

It makes us financially stronger, it helps to visualize our dreams and set goals, and every time we have one of our date nights we’re one step closer to getting to our ultimate goal of financial freedom and early retirement.

So are you ready to have the best date night ever?  Here’s what you need to do to make it perfect:

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The Next Book You Have to Read: The Millionaire Next Door

The Next Book You Have to Read: The Millionaire Next Door

The Millionaire Next Door, by Thomas J. Stanley and William D. Danko, had been on my list forever. I had pushed it off because I thought it would be similar to the various other “tips to become wealthy” books, but I was totally wrong.  

This book is an absolute must read for anyone that wants to be truly financially free or hopes to make a substantial amount of money in their lives…and it’s unlike any other book I’ve ever read.

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10 Things You Should Be Doing to Pay Off Your Mortgage Early (and the 1 Thing You Shouldn’t Do)

If you want to live debt-free and retire early, then you need to start by paying off the mortgage. These are 10 things you should start doing to reach that goal.

I am bound and determined to pay off my mortgage early.  It didn’t start that way, but a few years into the loan my husband and I realized there were just too many benefits to paying it off, so it needed to happen.  Since then, the desire to be debt-free has grown, while the loan balance has shrunk.

It’s an amazing feeling to watch this massive loan get smaller and smaller and I can’t wait for the day that it’s over.  What’s even more amazing has been realizing that little changes can actually cut off years of mortgage payments.  So, of course, when you add up all those little adjustments, you can seriously impact the length of your mortgage.

As with all major endeavors in life, the first step is always the most important, so if want to pay off your mortgage early, take one of these steps TODAY.

Here’s what I’m doing to pay off my mortgage early (and what you should be doing too!):

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4 Long-Term Investments to Start Making Now

Long-term investments are one of the most important things we need to do if we want a comfortable retirement. Make sure you're investing in all of these!

It is so easy to push off making long-term investments. This is especially true if you feel like you don’t have what you need right now.  

The irony in this is that you will likely always feel like you don’t have enough…and if you keep pushing off essential long-term investments, a time will come when you actually don’t have enough.  

This is because we’re all wired to think a certain way about money and that rarely changes.  You’re either content or you’re not. You save, or you don’t. You feel like you have enough…or you feel like you don’t.

So, in many cases, you just need to force yourself to make the investments.  Luckily, that is really easy now-a-days because you can set up an automatic investment plan that will pull money straight from your checking account or even your paycheck.  All you really need to do is set up the account. The rest will happen behind the scenes and you can completely forget about it. Then, when you need it most, it will be there.   

So what are the critical long-term investments you should start making now?  Here they are:

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5 Books That Will Completely Change Your Life

Nothing beats a great book and these are so amazing they're worth reading every single year!

I’m a HUGE fan of self-help books…though not even slightly a fan of referring to them as “self-help books.”  So I’m going to call them what they are – motivational books.  These are the books that get you so excited in the morning that you achieve way more than you normally do.  You have an extra beat in your step.  You exercise more, you eat better.  You smile more and you sleep better.  They literally have the power to transform your life. And when they’re that good, you should definitely reread them every single year (which is what I try to do).

So what are the best of the best?  The ones you should definitely reread every single year?  😉  Here they are:

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10 Ways to Increase Your Credit Score

Having a high credit score is so important if you ever want to invest in real estate, or even just take out a credit card! Here are some great tips to raise your credit score to get the best rates possible.

If you ever want to borrow money – whether for an emergency or to make an investment – you’ve got to have a good credit score.  It will make the borrowing process ten times easier and more importantly, it will get you a lower interest rate on your loan.  In the end, it will put more money in your pocket (and not the bank’s). Whether you’re just starting to build your credit or need to increase your credit score, here are some quick and easy fixes that could make a huge difference:

Related post: How to Buy Your First Investment Property

 

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How to Pay Off the Mortgage Early

Thinking about paying off your mortgage? Now's the time to do it! Here are some great tips to help with the process.

One of my BIGGEST goals right now is to pay off the mortgage.  I won’t lie, it’s sooo hard to stay motivated when you’re chipping away at such a big number, but the benefits are just way too huge to ignore.  But the reality is that if you prioritize getting it paid off, it CAN and WILL happen. And your future self will thank you for it!

Related post: 10 Things I’m Doing to Pay Off My Mortgage Early (and the One Thing I Won’t Do)

So if you’re in the same boat as me, consider these different ways for getting your mortgage paid off way earlier than you ever expected:

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