Twinkle Jain’s Post

Your indifference about your money is costing you. It’s costing you time, money, peace of mind, security, and freedom. You may not be hurting financially, but do you feel good about your financial decisions? Your bills are getting paid, but can you cover an unexpected expense without a credit card? You have a list of your monthly bills, but do you actually know where your money is going? You want to save and pay off debt, but are you really making progress? You want to invest in real estate, give back, and build wealth, but do you have a plan for your money? You make good money at your job, but what if the next paycheck didn’t come? You can keep accepting the status quo with your money. You can keep doing 𝘰𝘬𝘢𝘺. But, that’s not what you really want. You want to be more than just okay with your money and life. You want to 𝘵𝘩𝘳𝘪𝘷𝘦. And you can. In financial coaching, we change your relationship with money. You shift from reactive indifference to proactive money management and intentional financial decisions you feel good about. The type of financial decisions that create the balance between living a good life now 𝘢𝘯𝘥 taking care of yourself later. The type of decisions that give you more freedom, fun, and fulfillment. 𝗦𝘁𝗼𝗽 𝗯𝗲𝗶𝗻𝗴 𝗶𝗻𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆. Let’s challenge your status quo and make better money decisions together. Send me a message to get started. #DollarsandChange #MoneyCoach #FinancialCoach #WomenandMoney #PersonalFinance

Your indifference about your money is costing you. It’s costing you time, money, peace of mind, security, and freedom. You may not be hurting financially, but do you feel good about your financial decisions? Your bills are getting paid, but can you cover an unexpected expense without a credit card? You have a list of your monthly bills, but do you actually know where your money is going? You want to save and pay off debt, but are you really making progress? You want to invest in real estate, give back, and build wealth, but do you have a plan for your money? You make good money at your job, but what if the next paycheck didn’t come? You can keep accepting the status quo with your money. You can keep doing 𝘰𝘬𝘢𝘺. But, that’s not what you really want. You want to be more than just okay with your money and life. You want to 𝘵𝘩𝘳𝘪𝘷𝘦. And you can. In financial coaching, we change your relationship with money. You shift from reactive indifference to proactive money management and intentional financial decisions you feel good about. The type of financial decisions that create the balance between living a good life now 𝘢𝘯𝘥 taking care of yourself later. The type of decisions that give you more freedom, fun, and fulfillment. 𝗦𝘁𝗼𝗽 𝗯𝗲𝗶𝗻𝗴 𝗶𝗻𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆. Let’s challenge your status quo and make better money decisions together. Send me a message to get started. #DollarsandChange #MoneyCoach #FinancialCoach #WomenandMoney #PersonalFinance

If you don't know what money is for you will never have enough.   The concept of "enough" money doesn't necessarily mean you have no aspirations for more.   It means you realise that if your expectations grow faster than your income you'll always be disappointed.   • Working longer when you could be living life.  • Unsatisfied with what you have.  • Missed opportunities to help those you love.    We have finite time and health.   If you don't have a plan to spend your money, the real risks are.   • Running out of money.  • Running out of life.    I'm yet to meet anyone who is planning to fail. But I continue to meet people that fail to plan.   If you don't have a plan for your money.   You risk a life of regret.   Avoid regret and maximise opportunity.   That is real financial advice.   What's your plan for time, money and health?   Life by Design.   Guiding successful families to financial freedom.   For more info.   Message me the word PLANNING.   #personalfinance #money #lifebydesign #investments #tax

💰 Money Talks: Let Your Assets Do the Whispering Financial struggles often arise from your own lack of financial literacy. When you fail to understand the true distinction between assets and liabilities, you may mistakenly spend 💲 money on liabilities, believing them to be assets. This can result in a scenario where you seem to have assets but lack 💲 cash on hand. 👉 When your expenses surpass your income, you find yourself in financial trouble. 👉 When your expenses outweigh your income, the clock starts ticking. If you're running a business, failure to reverse this trend means your days are numbered. Renowned advisors warn that as an individual, resorting to borrowing to cover expenses often leads to reliance on 💲 money lenders, worsening the situation. Leveraging assets to cover liabilities is a potential solution.   When it comes to personal financial literacy, an asset is anything that adds to your income, while a liability is anything that subtracts from it. The crucial focus is on 💲 cash flow—whether money is coming in or going out. It's not about the nature of the item itself, but rather the direction of the cash flow.   For most people, their primary source of income is their job or business. Instead of investing in assets or seeking financing from asset-based lenders to expand their business, they tend to accumulate more liabilities. Is that you? This single income stream often funds their lifestyle, including indulgences such as prestigious private schools, upscale neighborhoods, luxury cars, and exotic vacations. Life is indeed meant to be enjoyed, but the question arises: who foots the bill for these luxuries? Is it your earnings or your assets? Imagine a scenario where you no longer have to trade your time and effort for these expenses. Instead of saying, "I can't afford it," you ask yourself how you can afford it without depleting your resources. Essentially, you explore ways to finance it through 💲 profits rather than dipping into your capital. ❓ If your paycheck disappeared tomorrow, would your assets sustain your lifestyle? DM me here so let's have a chat. ❣ #financialplanning #womenempowerement #assets #profit

Do you think that financial balance is out of your reach? Meet the 50/30/20 rule. My relationship with money is still evolving. I have come a long way in the last few months and years! The biggest lesson for me has been between WANTS and NEEDS. I have been able to win over the wants. Here is how the 50-30-20 rule works. It might look slightly different for you, and to each their own! 🔷 50% for Needs: This chunk, roughly 50% of your income, covers the must-haves. Think of housing, utilities, groceries, and insurance. It forms the bedrock of your financial stability. 🔶 30% for Savings and Debt Repayment: The next 30% is earmarked for securing your future. It's about building savings, paying down debts, and investing wisely. Your financial safety net starts here. 🟠 20% for Wants: Here's the fun part – 20% is dedicated to indulging in your heart's desires. Dining out, hobbies, entertainment, and those little luxuries that make life enjoyable. By following the 50/30/20 rule, you're striking a balance between necessities, aspirations, and security. It's a potent way to navigate your financial journey effectively. 💡 Tip: Keep track of your spending to align with these percentages. It's a simple yet profound method to transform your financial landscape. #comment How do you manage your finances? Does the 50/30/20 rule resonate with you for a more balanced financial life? Follow Utkarsh Narang for more, and repost this to your network. 🔁❤️ #utkarshbrainspark

💰 Money Talks: Let Your Assets Do the Whispering Financial struggles often arise from your own lack of financial literacy. When you fail to understand the true distinction between assets and liabilities, you may mistakenly spend 💲 money on liabilities, believing them to be assets. This can result in a scenario where you seem to have assets but lack 💲 cash on hand. 👉 When your expenses surpass your income, you find yourself in financial trouble. 👉 When your expenses outweigh your income, the clock starts ticking. If you're running a business, failure to reverse this trend means your days are numbered. Renowned advisors warn that as an individual, resorting to borrowing to cover expenses often leads to reliance on 💲 money lenders, worsening the situation. Leveraging assets to cover liabilities is a potential solution.   When it comes to personal financial literacy, an asset is anything that adds to your income, while a liability is anything that subtracts from it. The crucial focus is on 💲 cash flow—whether money is coming in or going out. It's not about the nature of the item itself, but rather the direction of the cash flow.   For most people, their primary source of income is their job or business. Instead of investing in assets or seeking financing from asset-based lenders to expand their business, they tend to accumulate more liabilities. Is that you? This single income stream often funds their lifestyle, including indulgences such as prestigious private schools, upscale neighborhoods, luxury cars, and exotic vacations. Life is indeed meant to be enjoyed, but the question arises: who foots the bill for these luxuries? Is it your earnings or your assets? Imagine a scenario where you no longer have to trade your time and effort for these expenses. Instead of saying, "I can't afford it," you ask yourself how you can afford it without depleting your resources. Essentially, you explore ways to finance it through 💲 profits rather than dipping into your capital. ❓ If your paycheck disappeared tomorrow, would your assets sustain your lifestyle? Contact me here and let's have a chat. ❣ https://lnkd.in/gJ6q82WP #financialplanning #womenempowerement #assets #profit

Life's unpredictability is a given, but your finances don't have to add to the uncertainty. The essence of financial flexibility lies in your ability to adapt your finances as life evolves. Here's how you can put this into practice: ✅ Emergency Fund: Keep a safety net for unexpected expenses to sidestep debt when the unexpected occurs—because it always does. ✅ Debt Management: Maintain manageable debts with a clear repayment plan, enhancing your financial agility. ✅ Savings and Investments: Strike a balance between savings and investments to serve as a financial cushion during economic dips. It's your safety net. ✅ Budgeting: Understand your expenditures, both fixed and variable, allowing you to adjust spending and prioritize essentials. ✅ Diversified Income: Don't rely on a single income source; diversify for added security and options. ✅ Insurance: Protect your assets and long-term plans with appropriate insurance coverage. It's your financial safety net. ✅ Flexibility in Goals: As life evolves, so might your financial goals. Stay open to adjustments that align with your current situation. Financial flexibility is all about being proactive, not reactive. It's about ensuring you can navigate changes without the added stress. Achieving financial flexibility empowers you to take control of future events. 🚀💪 #FinancialFlexibility #SmartFinancialPlanning #EmbraceChange #VineWealth

🛍️💰💡 Mastering Your Finances: Distinguish Needs from Wants! 💡💰🛍️ We all love treating ourselves to those little luxuries that make life more enjoyable. But, have you ever found yourself wondering where your hard-earned money disappears? 🤔💸 The key to taking control of your finances lies in prioritizing your spending and understanding the difference between needs and wants. 🎯💡 💭 First, let's define the two: Needs: These are essential expenses crucial for your survival and well-being. Think food, shelter, utilities, and healthcare. 🍔🏠💡 Wants: These are the extras, the indulgences that bring joy and excitement. While they're enjoyable, they aren't vital for your basic needs. 🎉🎁🌟 💸💳 By distinguishing between needs and wants, you can allocate your funds more wisely: 1️⃣ Create a budget: Prioritize your needs and allocate a portion of your income to cover them. This ensures your necessities are taken care of first. 📊💼 2️⃣ Limit wants: Set aside a smaller portion for your wants. Treating yourself is okay, but moderation is the key to financial success. 🛍️🚫🙅♂️ 3️⃣ Build savings: With your needs and wants balanced, you can start saving for the future, creating a safety net for unexpected expenses. 💰🏦 🚀 By mastering the art of distinguishing between needs and wants, you'll gain financial freedom and peace of mind. So, next time you're tempted to splurge on that impulse buy, take a moment to assess whether it's a need or a want. Your bank account will thank you! 😊💪💵 #FinancialWisdom #Budgeting101 #SavingsGoals #NeedsVsWants

"Many folks think they aren’t good at earning money, when what they don’t know is how to use it.” – Frank A. Clark This quote is a reminder that financial success isn't solely about how much we earn, but more importantly, about how we manage and use the money we make. Many people believe their financial struggles start from not earning enough. They think that if they could just make a bit more money, their problems would be solved. However, the true challenge often lies not in our earning capacity, but in our spending and saving habits. Even those with high incomes can find themselves in financial trouble if they don't manage their money wisely. Here are a few key insights on how to use money effectively: 📌 Budgeting and Planning: Creating a detailed budget helps track where your money goes and ensures you’re living within your means. 📌 Saving and Investing: It's essential to save a portion of your income regularly. Building an emergency fund for unexpected expenses is crucial. 📌 Understanding Needs vs. Wants: Distinguishing between needs and wants can help control impulsive spending. 📌 Debt Management: Creating a plan to pay off debts efficiently can free up more of your income for savings and investments. Mastering money management can significantly impact your financial well-being. Focus on how to use money wisely rather than just on earning more, so that you can achieve greater financial success and stability. It’s never about how much you make, but how you use it that counts. #moneymanagement #personalfinance #personalfinancecoach

In today's fast-paced world, our relationship with money can often be complex and challenging. But with a few simple steps, you can build a better relationship with your finances ⬇ : 1️⃣ - Understand Your Money Story: Reflect on your upbringing and how it influences your financial habits. Identify any negative beliefs and work to change them. 2️⃣ - Set Specific Goals: Define clear, achievable financial goals such as saving for emergencies, paying off debt, or investing for retirement. Break them down into smaller milestones for easier tracking. 3️⃣ - Schedule a weekly 20-minute Money date: Sit down for about 20 minutes every week to review your - savings, investments, credit card balances, statements, and other spending. This will help you keep a check on your expenditure & improve it. 4️⃣ - Make small but effective changes: Make incremental changes to your spending habits. Start by cutting out one unnecessary expense or increasing your savings by a small percentage. 5️⃣ - Use Credit Wisely: While credit cards offer convenience, be mindful of overspending. Pay your balances in full each month to avoid interest charges. 6️⃣ - Avoid Comparison: When it comes to you & your money - don't compare yourself to others. Understand that everyone's financial journey is unique. By following these simple steps, you can take control of your finances and build a healthier relationship with money✅ #finance #money #moneymanagement #investing #financialfreedom #financialsecurity #financetips #financialadvisor #financialgoals #smartinvestment #personalfinance #savings #moneytips