Clair the Budgeteer

Don’t fall for this common budgeting myth: ‘If you make a lot of money, you don’t need to budget.’ Regardless of your income level, budgeting is crucial for financial success. Without a clear plan, even high earners can fall into overspending traps, debt, and financial instability. ✅ Budgeting isn’t just about limiting expenses; it’s about prioritizing your spending, saving for goals, and building wealth. No matter how much you earn, a well-managed budget empowers you to make informed financial decisions and achieve your dreams. So, whether you’re making a little or a lot, take control of your finances with a solid budgeting strategy. Your future self will thank you! LIKE, SAVE AND FOLLOW! Want to hear more about making money online? Check out the 🔗 in my bio or go to resources.clairthebudgeteer.com You’ll learn what you need to know to get started for the price of a Starbucks drink 😉 #personalfinance #budgeting #financialfreedom #financialliteracyforbeginners #clairthebudgeteer

Tap the follow button to join our community! Do you know how to actually budget part 2! Looking to level up your financial game? Here are 3 key budgeting tips to help you stay on track: 1️⃣ Give: Generosity is key! Set aside a portion of your income to give back to your community or support causes you care about. Giving not only benefits others but also brings joy and fulfillment to your life. 2️⃣ Save: Building a savings cushion is essential for financial security. Allocate a portion of your income towards your savings goals, whether it’s for emergencies, big purchases, or future investments. Remember, every little bit adds up over time! 3️⃣ Create another stream of income or side hustle: Diversifying your income sources can provide extra financial stability and opportunities for growth. Explore side hustles or passive income streams to supplement your main income and boost your overall financial health. Implementing these budgeting tips can help you achieve greater financial stability and flexibility. There’s no better time to start than NOW. #Budgeting #FinancialFREEDOM #personalfinance #clairthebudgeteer Want to learn about starting a side hustle in digital marketing? I have what you need via 🔗 in my profile or head over to resources.clairthebudgeteer.com

They call it a rainy 🌧️ day budget… Having a rainy day budget means setting aside funds specifically for unexpected expenses or emergencies. It’s like creating a financial safety net to cover unforeseen circumstances such as medical emergencies, car repairs, or sudden job loss. The idea is to have a buffer that you can rely on without having to dip into your regular savings or go into debt when unexpected expenses arise. Realistically, not every person/family can afford to set aside a lot of $ for a rainy day budget but it’s not unrealistic to start somewhere small and increase it as you’re able to afford it. No more excuses. 😉 #budgeting #personalfinance #financialfreedom #clairthebudgeteer Follow @clairthebudgeteer for more budgeting tips and ways to make and save money. If you’re interested in starting a side hustle in digital marketing, take the 15 day challenge to get foundational information to get started via 🔗 in my profile or head over to resources.clairthebudgeteer.com

Get rich slow and steady👇🏽 One of the ways to get ahead of your budget is to create another income stream. We all know the internet isn’t exactly new, but boy, has it evolved especially since the pandemic! Nowadays, there are more ways than ever to earn money from the comfort of your own couch (or hammock, if that’s your vibe). First, there’s freelancing. Ever heard of Upwork or Fiverr? They’re like treasure chests full of opportunities. Then, there’s e-commerce. You can use platforms like Shopify and Etsy and turn your hobby into a full-blown business. And let’s not forget about content creation. YouTube, TikTok, Instagram, Facebook – these platforms are like virtual stages where you can showcase your talents to the world. And the one I jumped on to…. Digital marketing! I loved being entertained on these social media platforms and used to watch other people’s reels who are digital marketers and thought “oh great for them! I have a full time job and kids, I don’t have time to do all that..” and as I watched them grow and share ways they earned money, I started to question “Why not me? Why not try? Why can’t I make the same time investment for myself?” And here we are! After taking a leap and learned how it works, I soon realized that the possibilities are vast and that this digital world is here to stay. I felt like I’m gaining knowledge not just for myself, but for our kiddos. It’s so much more than skills, it also has to do with your mindset about it. The 15 days course taught on both and it was worth every dollar and time spent. If you’re interested in learning more but skeptical like I was to spend too much time or money to get started, this is the perfect course. Click the send message link above and I’ll send it straight to your inbox OR click on the 🔗 in my bio and head to resources for the 15 day challenge. I will ask you what I asked myself a month ago… WHAT DO YOU HAVE TO LOSE? Ping me fo

One of the ways to get ahead of your budget is to create another income stream. We all know the internet isn’t exactly new, but boy, has it evolved especially since the pandemic! Nowadays, there are more ways than ever to earn money from the comfort of your own couch (or hammock, if that’s your vibe). First, there’s freelancing. Ever heard of Upwork or Fiverr? They’re like treasure chests full of opportunities. Then, there’s e-commerce. You can use platforms like Shopify and Etsy and turn your hobby into a full-blown business. And let’s not forget about content creation. YouTube, TikTok, Instagram, Facebook – these platforms are like virtual stages where you can showcase your talents to the world. And the one I jumped on to…. Digital marketing! I loved being entertained on these social media platforms and used to watch other people’s reels who are digital marketers and thought “oh great for them! I have a full time job and kids, I don’t have time to do all that..” and as I watched them grow and share ways they earned money, I started to question “Why not me? Why not try? Why can’t I make the same time investment for myself?” And here we are! After taking a leap and learned how it works, I soon realized that the possibilities are vast and that this digital world is here to stay. I felt like I’m gaining knowledge not just for myself, but for our kiddos. It’s so much more than skills, it also has to do with your mindset about it. The 15 days course taught on both and it was worth every dollar and time spent. If you’re interested in learning more but skeptical like I was to spend too much time or money to get started, this is the perfect course. Click the send message link above and I’ll send it straight to your inbox OR click on the 🔗 in my bio and head to resources for the 15 day challenge. I will ask you what I asked myself a month ago… WHAT DO YOU HAVE TO LOSE? Ping me for any questions you may have! @cl

Passive income refers to earning money with minimal effort on your part. Setting it up, on the other hand, still takes time, effort and commitment as it’s not a get rich quick scheme. Continue reading on https://blog.clairthebudgeteer.com/

Great read suggestion especially for those who have not grown up in generational wealth and want to build one. The book is incredibly practical. My husband and I have read it as we are intentional about passing on wealth to the ones that came after us. We are continuously learning so our kiddos can have a better future and hopefully their kiddos and their kiddos, and so forth would. Like one of my other favorite authors, Kris Vallotton, says we are building for generations we may not get to see and that is the legacy we want to leave behind. 5 things you must learn per the video (keep watching for the simple explanation for each point) 1. The importance of financial education 2. Understanding assets and liabilities 3. The importance of entrepreneurship 4. Taking calculated risks 5. The power of passive income #financialfreedom #legacy #myturn ⬇️⬇️⬇️ If you’re interested in learning how to make passive income, check out my page at resources.clairthebudgeteer.com and discover how to get started. Don’t miss out on these posts, make sure to follow: @clairthebudgeteer 💰 @clairthebudgeteer 🎯 @clairthebudgeteer 💻 ClairTheBudgeteer.com

If it’s worth having, it’s worth doing. You don’t become successful by accident. You make plans to get there. You strive to reach your goals. If you’re ready to educate yourself with basic financial literacy, make sure to follow this page for more. ⬇️⬇️⬇️ If you’re interested in learning how to make passive income, check out my page at resources.clairthebudgeteer.com and discover how to get started.

Have you ever switched jobs and come tax time, you ended up owing a load ton of money because you didn’t withhold enough money for taxes from your paycheck? While paying taxes is part of having income, and owing merely means that you got to keep more of the $ during the year rather than the government keeping it, it still hurts the wallet when it’s not expected. Filling out a W4 or state withholding forms can be intimidating. Thankfully, the new W4 form is a bit more straightforward and you’re not left to just putting random numbers on it. Here’s what you need to know: - The more # of people you put on your W-4=the less taxes are withheld=the more money you get per paycheck. What does that mean? If you check Married Filing Jointly that means you’re claiming there’s two people in your household. If you add 3 children in addition to the MFJ selection, that means you’re claiming there’s 5 people in your household. - Now, the opposite is true. The less # of people you claim on the forms=the more taxes you withhold=the less money you get per paycheck. - The amount of money (more or less) seems minimal per pay check but adds up for the year. So, you may not feel the difference per pay check, but it amounts to a bigger number at the end of the year. - If you are married and both have jobs, you must talk to each other about how you both are filling out these forms. if one parent is claiming the # of kids on their form, then the other parent shouldn’t. - There is now a checkbox on the W4 to indicate if there is another “job” if you’re married filing jointly, so it’s not double counting each other. Make sure to check that for both forms (you and your spouse) if you choose married filing jointly. - If you don’t care about getting to keep the money throughout the year and you’d prefer for the government to get more tax withholding for a potential refund later, you can just check off “single” whether you’re filing Married fi

Don’t forget to save this post as you’d want to get back to it later. These are websites hire remote workers so there’s no confusion when you apply! Hope this is helpful to you! I share ways to earn and save money, so make sure to like and follow for more. I am helping people learn to love budgeting their money to reach their financials goals. Comment “budget” and I’ll send you my free budget template. Easy to use, and categorized to show your spending patterns. LIKE, SAVE AND FOLLOW @clairthebudgeteer 💰 @clairthebudgeteer 🎯 @clairthebudgeteer 💻 #budget #personalfinance #financialfreedom #clairthebudgeteer

Most people don’t like to budget because it’s extra work. Here’s 10 reasons why you need to start. 1. You have debt you want to pay off. 2. You feel like you have to much month and not enough money. 3. You don’t know where your money is going. 4. You want to take more vacations/trips. 5. You want to make a big purchase in the near future (like a home or a car). 6. You want to see how much money you truly have to order take out 3x a week. 7. You have a bunch of subscriptions and you don’t know how much it’s actually costing you. 8. You want to be more financially free and not feel guilty about spending on you or those you love. 9. You want to do more investing for your future. 10. You want to have a better financial situation. If you’re ready to get started, you can get a free budget template by clicking the link in my bio. It’s easy, and categorized to show your spending patterns. If you don’t start now, then when? LIKE, SAVE AND FOLLOW @clairthebudgeteer 💰 @clairthebudgeteer 🎯 @clairthebudgeteer 💻 #budget #personalfinance #financialfreedom

Do you want to earn extra cash while on your device? Did you know you can earn $$ filling out surveys? Head over to usertesting.com to start earning! Save this post and follow this page for more tips, edutainment and ways to earn and save to help you reach your financial goals this year! If you’re looking to start or continue your budgeting journey, comment BUDGET to receive a free budget template right in your inbox. The template is categorized to help you see where you spend most of your bucks and formulaic to give you how much cash you have left after entering your income and expenses. LIKE, SAVE AND FOLLOW @clairthebudgeteer 💰 @clairthebudgeteer 🎯 @clairthebudgeteer 💻 #budget #personalfinance #financialfreedom