Struggling With Money? [ Start Here ]

There was a time when we were $30,000+ in debt.

AND I just quit my job.

And We had a newborn.

Anxiety, fear, and dread began to set in. I realized we were one event away from financial disaster. I also knew that if I continued on this path of struggle, then this would be our path for the rest of our lives.

Change does not happen unless you change something.

From that moment on I spent hours and hours…. and more hours reading and watching whatever I could about how I was going to fix this ( what seemed at the moment ) a problem so big that it was ” unfixable “.

BUT we did it. We paid off all our debt in 8 months. We saved up an emergency fund. I increased my income. All while being able to stay home with my kiddos.

And From there I VOWED to teach others ( especially women & moms ) the exact steps I took to make it happen.

There are 5.5 ” leaps to success ” ( as I call them ) .

Keep in mind that STEP #3 is ” GET out of Debt”,

BUT I had to do ALL OF THE Steps for #3 to even be possible. They all work together TO GET YOU OUT OF DEBT.

BUT WAIT… before we get started.. [ GO HERE ] and check out the 30-Day, $1,000 challenge that we are doing! After the 30 day challenge, you SHOULD have $1,000 extra in your pocket.

I also would like to add that, of course, there is more to the story. This is a ” Start HERE ” blog post. It’ll give you everything you need to GET STARTED. Beyond this article, you will need determination, elbow grease, and my free resources. I have 100’s of blog posts, Facebook groups, videos and I am working on a DETAILED course to where I teach YOU EVERYTHING in one spot. So, while this blog post will ” get you started ” , it’s certainly NOT everything – but it’s A LOT!

Love you and I am so happy you are HERE.

Mega Leap #1 : Budgeting

Please don’t glaze over in boredom and fall asleep on me. ” Budgeting ” is just boring work that simply means you know exactly where your money is coming in from and where it’s going. Once you know exactly what’s going in when, and what’s coming out when you will already feel like you got a raise. I promise!

BUT, Becky, how do I budget? Easily AND Quickly?
Don’t worry! I got you! When you join the FREE $1,000 in 30 Challenge I will I will send you step-by-step instructions on my easy budget method complete with a FREE google docs sheet AND Budget Calendars.

🔽🔽🔽JOIN US HERE : 🔽🔽🔽🔽

Join The 30 DAY , $1,000 Challenge

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Mega Leap #2 : Cut your expenses!

I managed to CUT our Expenses by $30,000 a year. Ya, you read that right. And I did it by using what I now call the ” Onion Method “.

t’s really a simple concept. I first concentrated on items outside of my house ( the 1st layer of my onion). These were things like car insurance, homeowners insurance …. I got really good and cutting expenses there. Then I went on to the next layer AND dove deep into how to cut expenses there. And then deeper, deeper, and deeper.

Within the onion layers you will come across things like:

Mega Leap #3 : PAY OFF DEBT.

Debt was a cement block on my life. I call it the money vampire. At one point I was accepting the fact that I would ” Just be in debt forever. ” The amount of debt seemed so BIG compared to our incomes I saw no way out. But I found a plan. We stuck to it. And we got SUPER intentional. DEBT became our #1 priority in life only because I knew it would pay off later in my life.

The number one question I get ask is HOW did we do it?

People have written ENTIRE books on how to pay off debt. I am sure you want to know, did you do Dave Ramseys Plan? Avalanche Plan? Your own Plan?

The answer: THIS IS THE PLAN… It’s OUR OWN PLAN, but it was inspired by OTHER PLANS. The truth is ALL Debt plans are easy on paper, but it’s the follow-through that makes the magic. IF YOU FOLLOW everything I tell you to do, then the follow-through becomes easy. There is no MAGIC BULLET PLAN ( not even mine). You have to Stick to a plan. AND GET INTENSE About it. SUPER INTENSE. Make it all you can think about.

Let’s break it down how all the leaps work together to pay off debt, then increase savings and have fun!

Leap 1: You know what’s going on in your account and out ( Mega Leap 1 ). You will immediately feel like you got a raise.
—>> Throw the extra at an ” emergency fund ” so you don’t have a cycle of paying off debt, an unexpected event happening, back in debt..
—>> THEN, throw all the excess at Debt.

Leap 2 : Decrease your spending / Cut Expenses.
—>> Throw the extra at an ” emergency fund ” so you don’t have a cycle of paying off debt, an unexpected event happening, back in debt..
—>> THEN, throw all the excess at Debt.

Leap 4: Heal, and create a healthy money mindset. This is the physiology of money. Most people are self-sabotaging and don’t even know it. Without this everything is pointless. Without this you will go back into debt. You won’t have control.

Leap 5 : Increase our income…
—>> Throw the extra at an ” emergency fund ” so you don’t have a cycle of paying off debt, an unexpected event happening, back in debt..
—>> THEN, throw all the excess at Debt.

Realize we have to do these steps one step at a time or we will get burnt out and overloaded… ( leap 5.5 ).

Again I would for you to join our my community Group [ Join Here ] for more support, resources , live Q & A’s and More!

YOU MUST BECOME OBSESSED with paying off debt or it won’t happen!

Mega Leap #4. Fix or Create a Healthy Money Mindset.

Without this step everything is pointless, BUT It’s usually the most skipped step.

What I didn’t know at the time was that our broken money mindset at the time was silently killing our financial life. In my experience, it is the least talked about, BUT THE MOST important thing you can do is help yourself.

Furthermore, I find most people don’t even know if they have a ” broken money mindset” or a ” healthy money set . ‘

To help you figure that out and to better your money mindset I have developed a “ Money Mindset Quiz ” [ HERE ] and a ” FREE Money Mindset Pack ” [ HERE ].

Mega Leap #5. INCREASE your Income.

You can only Frugal Your WAY out of some much. Sure cutting out expenses was a HUGE help, but at some point, you will need to increase your income.

I know what’s going through your head…. but… I don’t have enough time. I don’t have to skills. I have kids.

I cant [ fill in the blank ].
I don’t [ fill in the blank].
I’m not [ fill in the blank].

However, this is the Digital age and if you own a smartphone and a brain then you have enough skills to make a side hustle.

Also, you have ME! I have created TONS of resources on how to make extra money and create a side hustle. I mean SO MANY. Right now I want to give you a gift – 90% Off my Ultimate Work From Home Kit.

To get this code just go [ HERE ].

You can also go [ HERE ] and see all the resources I have on my Blog.

Lastly, i have a FREE Resource to help you figure out what kind of work-from-home job might be right for you. It’s called a decision Tree! [ CLICK HERE To Get it For FREE! ]


Mega Leap #5.5. — You can not do it all, ALL at the Sametime.

Where I see a lot of people ” fail” when it comes to changing their lives and their money is they try to do ALL the things at the same time. YOU CAN NOT Pay off debt, CUT EVERYTHING, Work 110 Hours a week AND Learn about investing ALL at the same time.

You Will BURN OUT … And quickly.

Take it one step at a time. Get good at that step. Then move on to the next step.

Realize it took you years to get into this mess. It may have been generations. It’s going to take you a little while to dig you out ( not years but it’s not going to happen overnight. ).

Remember – you got this! Change only happens if Change Happens.

Questions? Just ask!


And don’t forget.. I would love for you to join my community Group [ Join Here ] !

Love,
Becky

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