Tips & Lessons From My Financial Journey

Category Archives for "Tips & Lessons From My Financial Journey"

I’ve been thousands of dollars in debt. I’ve been out of debt. I’ve been gotten back in debt…it’s a whole thing. I’ve wondered if I would ever get a job or have more than a few dollars in my bank account. I’ve saved thousands of dollars on a tiny salary. I’ve done side hustles.

I’ve learned how to invest. I’ve been in all over the map but the one constant is always Jesus. Yes, even in my finances. I hope to be able to share some tips with you that will be helpful in your own financial journey while always giving Jesus the praise!

And of course, budget planners, journals, and spreadsheets have also been a apart of my story because I have to write everything down.

02/26/2020

in Tips & Lessons From My Financial Journey by Nicky

How To Make Money & Be Successful According To 31 Legendary People (Quotes Post)

There is so much wisdom in the Bible about money and it’s definitely something that I will continue to talk about in the future.

But you can find inspiration and knowledge from others as well when it comes to making money and being successful.

In fact, the advice that these legendary people give about making money is often counterintuitive to the way many people think you become wealthy.

There is a refrain inherit in these quotes about money which I find quite refreshing. Many of them purport the values of hard work, never giving up, being courageous, and being wise.

Let’s take a look at what these people have to say.Continue reading

Nicky

Hey ya'll! I'm Nicky Johnson, owner and creator of Healthy As You Can & I'm delighted that you stopped by my neck of the (internet) woods! I'm a Christian girl on a unique health journey & I'd love it if you'd join me! I'm striving to be spiritually, physically, mentally, and financially, healthy and at HAYC I'll share tips, insights, and resources to help you do the same!

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02/19/2020

in Budgeting Tips & Budget Planners , Money Saving Tips , Tips & Lessons From My Financial Journey by Nicky

3 Genius Moves Smart Women Make Before They Get Their Next Paycheck To Stay Ahead

Does this sound familiar?

“Once again it’s the end of the month and I’m broke.

I don’t have any idea where my money went. I planned to save whatever money was left over at the end of the month but there isn’t any left over.

Maybe next month there will be.”

Ugh, how does this keep happening? I mean you are watching every single dollar that you spend, right?

Well, if you’re anything like me, you probably weren’t. I used to do this all the time. I’d look at my bank statements and ask questions like:

When did I buy that?
And why did I buy that?
Is it too late to take it back?
Because I’m pretty sure I don’t need it.

And that’s the trouble with flying by the seat of your pants when it comes to your money.

When you don’t have a plan for your money you better believe that the grocery store, the mall, and Amazon have a plan for your money.

Trust me, girl, they got you especially when you don’t. Let me explain why at the end of the month you have no money left over to save for yourself.Continue reading

Nicky

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02/15/2020

5 Life Altering Money Mistakes Financially Independent Women Don’t Make

There is so much financial advice online, on tv, in magazines, that it can be a little overwhelming knowing what to do and what not to do.

Where do you start if you are a financial newbie, right? It’s confusing.

Here’s my advice: Avoid these 5 money mistakes and you are well on your way to becoming a financially independent woman.

These are common mistakes that lots of people make, including me (in the past). So lest you think, there is no hope, I assure you there is.Continue reading

Nicky

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01/21/2020

in Christian Personal Finance , Tips & Lessons From My Financial Journey by Nicky

The 9 Simple Steps Of Christian Financial Stewardship (Which Step Are You On?)

Christian Financial Stewardships

I’ve been studying the Proverbs 31 woman a lot lately and based on what I’ve read, becoming financially free would be one of her life goals. (you know because I’m sure she thought about life goals in those exact terms ).

As I mentioned in this post, P31 had an entrepreneurial spirit and engaged in godly financial stewardship.

She was buying property, making money from the property and then reinvesting that money by planting a vineyard.

Then she sewed sashes and sold them to the merchants.

She also gave money to the needy which is a huge but sometimes overlooked component of financial stewardship.

She definitely doesn’t seem like she lacked what she needed for her family, servants, and herself. Continue reading

Nicky

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09/08/2019

in Tips & Lessons From My Financial Journey by Nicky

The Real Reason Why People Fail Financially (You Probably Won’t Like It)

If you want to be financially free but you feel like you can’t get ahead then this post will tell you why. You may not like it though.

This post might make you mad.

I can’t apologize for that. That’s because I’m not saying this to look down on you or anyone else.

Everything said from this point forward is because I want to help you.

And conversely, this post might not make you mad.

What will determine whether or not you get mad at this post comes down to two major things:

Your mindset when you read the post.Continue reading

Nicky

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07/08/2019

in How To Get Out Of Debt , Tips & Lessons From My Financial Journey by Nicky
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7 comments

How To Stay Out Of Debt By Following These 3 Simple Tips

How To Stay Out Of Debt

Want to know some debt-free living tips? I have a few tips in this post that will help! Once you learn how debt sneaks up on you, you’ll be able to conquer the debt monster forever

I have a confession to make…

I have more debt than I’ve let on.

You see, this is how it happens because debt is so insidious.

It started with a For King and Country concert. My sister and mom wanted to go and so did I. My mom put the tickets to the concert on her credit and I said the infamous words…

“Thanks, I’ll pay you back”

Well about 6 or 7 I’ll pay you backs later and my mother kindly added up what I owed her and she said: “You owe me like $1100”.

Yikes!

So much for being debt free!

I mean that’s not a ton of debt but it’s nothing to sneeze at.

Those “I’ll pay you backs” really add up. They are so sneaky the way they just accumulate like that.

And I hate I mean loathe any form of debt so I’ve got to come up with a plan to pay her back (I think I owe my sister too! Boo hoo!)

And here I am thinking I’m debt-free. But I’m not and any debt is a dark thunderous cloud over my head stalking me at every turn.

No, I’m not being dramatic… ok maybe a little but it’s gotta go. And trust me it will go.

So we are definitely going to get into how I got out of debt but first let’s talk about financial freedom.Continue reading

Nicky

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06/26/2019

in Tips & Lessons From My Financial Journey by Nicky
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1 comments

5 Secrets To Improving Your Credit Score So You Can Always Get Approved

There's no way around it (sorry Dave Ramsey)....

In order to move toward financial freedom, most of us need and or want a high credit score.

Dave calls a good credit score the "I love debt score" and says that we shouldn't to use credit cards at all.

While I agree with him to a certain extent (I talk more about it in this article), not having a good credit score can be crippling financially when it comes to buying a house or a car because the interest rates are so much higher.

And let's be real, as much as I love the idea of never using credit for anything, even a car or a house, realistically, most of us aren't really going to live that way.

If you are someone who doesn't adhere to the idea of using credit for every little thing, then I commend you. I'm right there with you.

But if you've are someone who has been living off of credit cards (been there done that) and ruining your credit but now realize the error of your ways and you want to cut the plastic usage to a reasonable and less frequent amount, then stick around because I want to just briefly discuss an important aspect of improving your credit score.

You see half the battle is knowing how credit reporting agencies calculate your credit scores in the first place.

02/06/2019

in Money Saving Tips , Tips & Lessons From My Financial Journey by Nicky
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1 comments

This Simple Money Saving Trick Can Save You Thousands Of Dollars Per Year!

Quick Money Saving Trick

In today’s post, I’m going to share a quick money-saving tip that anyone can follow to start building wealth and moving towards financial freedom.

Is anybody else as slow as I am?

Come on raise your hands…

See I couldn’t figure out something.

Why am I not saving money like I used to?

I just didn’t feel like I was really cracking the whip on my money.

I want to be the boss of my money like a good Financial Peace University graduate should be.

So in this Quick Tip blog post (and by quick I mean one that doesn’t require my usual 2,000 words), I’m going to show you what I’m going to start doing to save more money.Continue reading

Nicky

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05/17/2018

7 Cringe-Worthy Habits That Keep Christians From Living Debt Free

woman with head in hands Christians not living debt free

Living Debt Free As Christians

Credits cards.

Student loans.

Mortgages.

Some of us are in could be drowning in debt and guess what?

We might still decide to finance that vacation we’re going on in July.

That’s because as a society we have this philosophy that credit is free money or this “get it now pay for it later” mindset.

If we want to live debt-free as Christians, we cannot continue this way.

We are called to be good stewards of the money God has entrusted to us.

For so long, I wasn’t a good steward of His money.

I did some silly things with money that got me in major debt and I now regret but these silly things were also good learning experiences.

I’ve learned that sometimes knowing what you shouldn’t do isn’t a strong enough catalyst to get us to change.

Sometimes, we don’t even realize which financial habits keep is enslaved.

Looking at debt from this angle might help open our eyes.

Nicky

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05/11/2018

3 Credit Card Debt Tips That Put You On The Road To Financial Freedom!

Credit Card Debt Tips

If we want to reach financial freedom, we have to talk about debt and specifically credit card debt (and some tips to get out of it) which is one of the forms of debt that is strangling American’s the most.

Debt was such a dark cloud over my life.

The burden of debt being lifted off of my shoulders is a feeling I can’t truly describe except to say it felt like freedom.

I imagine it’s the same feeling you get when you retire. It’s an incredible experience.

But getting out of debt isn’t easy or fun because if it was everybody would be doing it.

So how do you get there?Continue reading

Nicky

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