2019! Don’t Carry Last🌝🐒

First off, You are alive! It’s a privilege. Do not take it for granted!

Now, If you’ve been recapping your 2018.. counting the wins and the lessons, kudos to you!

Mr. Winston said (and I agree) that the farther back you can look, the clearer the future may be *shrugs* 🤷🏾‍♀️

Ok, Now that we got that over with!

2019!

Are you about to carry last again ?

No seriously, are you?

You’re about to start borrowing money again abi?

No oo No! the house you wanted to buy in 2018, entered your stomach on top of YOLO!

You shopped till you dropped, now you have no financial progress to show for 2018… didn’t you see that in your recap?

Sister & Brother! If you know that you have shenanigans (YOLO et. All) planned in 2019, the money you need to EARN = Living Expenses + Savings + Investments + Shenanigans

• Living Expenses: do i need to define this? Yes, including all your monthly subscriptions – Team Fitfam/TeamHulu, Netflix & Chill/Team Lakers game/el oh el (lol) Slay Mama Incorporated., Slay Papa (Your boy is Fine!), you know the 9 yards!

• Savings (or Paying off Debt!!): Do you have a savings goal!?!?! OR are you facing your debt head-on?! You know what your target number is!

• Shenanigans: Team travel the world/Team Birthday Gifts/Team Treat myself/Team I’d-rather-die-fat-and-happy-than-skinny-and-sad, etc.

• Investments (or Your Emergency Funds): Team grow-your-wealth 2019!!!! Look for investment opportunities! Read up on news and collate a ton of information! Educate thyself! Roll with the right crew, let them show you the way! …and if you still don’t have 6 FULL months of emergency funds as a cushion, You (my dear) are sleeping on a bicycle. Get yo Life!

God giving us life, we will be here again at the end of 2019 with some of you singing the woe-is-me song!

Let it not be you!

No bad behavior here!

At least progress with inflation = Financial Basics 101!

• Abi: Right?

• Carry Last: bottom of the barrel

• “On Top”: Because of

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