I’m strutting into the month of June like yo fam! ? I bet with all the DIYs flying around, you all thought I had forgotten about Talk Thursday right?!
Smart money woman…
No way! Talk Thursday is live and today, I would like to know how many smart money women we’ve got.
I read this book a little while ago and it occured to me before reading this book, I wasn’t exactly a smart money woman and I will explain why.
Like Zuri and alot of other women I know who earn(ed) a salary, I had the tendency to spend more than I should have even before the salary hit my account.
I didn’t really have nor work with a budget and my savings was nothing to write home about.
Shopping for things I didn’t need became so enticing. I mean, with the assurance that I was going to get paid the following month it was easy to spend money and manage till next pay day.
Did I have a business on the side fetching me extra income? NO! Neither did I have a sharing ratio plan for the salary earned. #FinancialSuicide.
Seems, I got too comfortable forgetting that I could either quit or lose my job and have practically nothing to fall back to until something else came my way.
Or maybe I didn’t forget but the belief that none of the above would happen became what I strongly believed in.
Spoiler alert!!! I quit my job and two months after I did, I was dead broke!?
After brooding and all, it was time to restrategize so, I went ahead and turned my passion for fashion into something profitable.
I learnt how to sew,(I have started accepting orders o), revived my personal shopping service and launched an online accessory business (you all should pls check out @pins&clips on Instagram).
Now I know better and I’m alot smarter. I haven’t exactly earned a stable salary this year but for every income I get, I set aside my tithe, a % as savings, a % for my business, a % as miscellaneous and I don’t shop on impulse any longer.
I now have a budget I adhere to. Yes, it’s tough and all but trust me, being broke is tougher.
Are you a smart money woman or are you struggling financially? Please share your experience(s) using the comment box below.
Someone who cares about me sent me this book so I in turn would like to spread the love as well.