#101financialeducation

[roxannedavid101-blog]

Stop staring at my legs, I wear pants everyday okay... 😂🙄 anyway, I tried something new on my last trip. Something I wouldn’t even dare do before or never in my wildest dream to go down a mountain, on a tub and not knowing where to go or what’s below me but to trust other people on what to do. I was scared at first but as we went through tunnel after tunnel, I felt relieved because someone was guiding us

I’m a person with a plan. I like to plan, my month, my week, even my days off I plan what I do. I’m lost without my calendar. And 101 was the best decision I ever made that made me take control of my finances. Finances was never taught in school. And with 101, they helped me take control of something I thought I had under control. Money. After enrolling, I was able to plan my goals, create more plans and I know what’s ahead of me before it even happens.

It’s funny how life can throw curveballs without us even knowing that it’s there, but all you need is a guide to show you how to get at the end of the mountain, or your goals 😉 And hey, if a guide is what’s gonna get you through life, find one. Asking for help doesn’t make you look weak, but it makes you stronger. Two brains are powerful than one. Now, how can I help you?

(at Kauai Backcountry Adventures) https://www.instagram.com/p/BxwfFRSnCk-/?igshid=59jg87iv794d

[roxannedavid101-blog]

Can you imagine me reading this out loud? 😂 anyway, here’s my 101 story!

“My biggest challenge prior to enrolling was I had a hard time getting my finances organized and I tend to over spend and I had a habit of maxing out my credit cards since I'll just pay them off sooner or later (and of course that never happened), so I built debt over time. I had so much pride and I wanted to be independent so I never asked anybody for help even from my parents and it made me feel stressed and overwhelmed. After enrolling to the 99 class, just with the first class, I was able to organize my finances and build a reasonable budget that still supported my lifestyle. Upon graduating to the 101 class, I was able to pay off all my credit cards and paid off my car loan in full, so a total of almost $40,000 worth of debt within 9 months. It would have been faster but I went on my dream vacation with my boyfriend to Disneyland, Universal Studios and Vegas! Life started after 101 Financial so for those who are still thinking about enrolling, just do it or you'll be like us who regrets not jumping on board as soon as we learned about it.

Did I mention that I was only 24 years old when I accomplished those goals?

Debt or no debt, we can help. I thought all along I was doing well and that I knew what I was doing. I wanted to be independent and proud yet I learned that even if you know a lot, there will always be room for more knowledge. Just for $199, I was able to accomplish a lot. I suggest you better get on board! If you can spend $10 a day for your lunch for a month, you can spend $199 on tuition to get started on the best decision of your life.

https://www.instagram.com/p/Bx4Dy-Ens2k/?igshid=1die3kotm7sa5

[roxannedavid101-blog]

Where do you see yourself in 3 months? In 1 year? 5 years? 10 years? 20 years? 30 years? What’s your plan? Do you even have a plan for those 3 months? This week, list your three goals that you want to accomplish within this year. How do you plan to achieve those goals? Maybe it’s time to start planning and stop setting aside goals.

Ask yourself this, if today is my last day on earth, will the people I leave be happy with what I left them with? Are they willing to continue the mark you are leaving them in this world? Or how about this, will your kids fight over a house filled with debt?

101 Financial students will always have their 3 months planned out maybe even up to a year. Goals are lined up to 5 years and more. Why? Because we’re financially educated. With the tools we have we can see what will happen in the future and prepare for it before it even happens.

I’m here to help you plan every step of the way. Still have questions? Sit with me and I’ll try to answer as much and let me tell you what we can do with you.

(at Honolulu, Hawaii) https://www.instagram.com/p/Bx8Rfb8nRFu/?igshid=q6o2klyh1og0

[roxannedavid101-blog]

Every pay day, 50% of that goes to your bills like rent/mortgage, credit card bills, electric, phone, water, etc.. while the other 50% is divided to your daily living expenses like groceries, gas, eating out and some may have a good portion of that 50% that goes to savings. Some may keep at least $100 to go automatically on another checking account to save either for a rainy day, down payment, or retirement.

That was my life prior to 101. I may not have a mortgage but that was how I banked. Life with 101 is so much easier, I pay all my bills on time, I get to do more things with my family and do things I like doing and spend less worrying about money and savings which I get to do both at the same time.

There’s a way out of this cycle and it’s through financial education and all you have to do is reach out. We’re here to help no matter what situation you have. Debt or no debt. Hey, if you don’t have any debt, you’re one step ahead of most students! We can help you grow your hard earned money and help you reach your goals. It may not be you but if you know someone who you know will benefit, lead them to us. We’ll take good care of them like family. ❤️

(at Honolulu, Hawaii) https://www.instagram.com/p/BwY0TPdHQpl/?igshid=rg2xq7xl9fwz

[roxannedavid101-blog]

When searching for directions on your GPS, the first thing you put is your location. Same thing with real life, you can’t start or do something, without starting somewhere. The first step in to finding a solution is acknowledging you have a problem. Let me tell you a secret. Everyone needs help no matter what. 

Acknowledging there’s a problem can help with motivation. Debt is debt and we know it can be overwhelming. Yes you may have everything under control, you have a car, you pay your bills on time, you have a house with a mortgage. But it’s still a debt. How cool would it be to live in a world without debt, where you don’t have to pay any monthly payments other than your living expenses? How awesome would it be to use those monthly payments to go on your dream vacations or invest on more assets that can give you income?

That is not impossible if you just take the first step: Acknowledgement. 

And get that financial education we didn’t get from school. Get solutions. Schedule a private meeting with me for free and let’s talk.