TJs 2 Cents

Throughout this episode I discuss budgeting, why it is important, some basic categories of spending to incorporate in your budget, how to set those categories up, how to make sure you spend less than you make, and of course give you my two cents. I hope you guys enjoy!

Make sure to check out my Facebook www.facebook.com/tjs2cents and message me or email me to get a free downloadable personal budget spreadsheet. This is exactly what i use for my personal finances except i modified it to include instructions on how to modify the equations if needed and added some features for an added bonus!

I talk about 8 things to do before starting to Invest.

1. Understand your employers retirement options and which you are currently enrolled.

2. Build a financial cushion

3. Removing all High Interest Rate Debt (>7-8%)

4. Build an emergency fund. *Different than a financial cushion*

5. Establish goals you want to achieve and what you want to get out of investing. *Refer to episode 3 for more tips on setting goals.*

6. Understanding the psychology of investing and knowing you will lost money at some point

7. Do your research!

8. Study the art of investing!

The topics discussed today could apply with your finances, work goals, family goals, or personal goals. The type of goals getting discussed today are 1) The someday goal 2) 5 year goal 3) 1 year goal 4) monthly goal 5) weekly goal 6) daily goal 7) right now goal. I am going to mention some of my goals, list goals I think everyone should have and list how each of these need the other in order to be completed and of course give you my two cents.

I hope you guys enjoy!

Follow me on IG @tjs2cents

Find me on FB www.facebook.com/tjs2cents Email me: [email protected]

I discuss some of the struggles of balancing work/school with other needs in life. I give experiences from my college experience and how I was able to flip the scale of balancing my life with professional ambitions. I discuss some possible helpful tips to start shifting the balances in your favor so you dont feel as burnt out. I hope you guys enjoy!

Follow me on IG @tjs2cents

Find me on FB www.facebook.com/tjs2cents

Email me: [email protected]

I am going to talk about why I decided to go to college, my motivations behind my major, where I went to college, my experiences during my time in college, and reflect back on if I thought the experience was an overall good decision.