#empoweringfinancialfreedom

Who's getting a little nervous for Christmas, only 20 days and counting down? The list goes on... 1. Presents 2. Christmas Ham 3. Wrapping paper "Ahhh the shops will be crazy!" #personalfinances #finances #superannuation #financialfreedom(emoji) #abundancementality #manifestingabundance #moneymindset #budgetplanner #budget #investment #debtfreejourney #debt #thrivefinancial #financialadvisor #money #family #insurance #lifeinsurance #super #superannuation #empoweringfinancialfreedom #moneyquote #moneymindset


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This #FinancialFitnessFriday let’s discuss the best ways to budget for large families. A great way to save BIG is on groceries. Set a budget, write a shopping list, find discounts and avoid add-ons like juice, soda, or alcohol. You can also utilize our software to help expedite the process. Check it out here: https://thrivefinancial.com.au/budgeting-made-easy/ #personalfinances #finances #superannuation #financialfreedom(emoji) #abundancementality #manifestingabundance #moneymindset #budgetplanner #budget #investment #debtfreejourney #debt #thrivefinancial #financialadvisor #money #family #insurance #lifeinsurance #super #superannuation #empoweringfinancialfreedom #moneyquote #moneymindset


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As a global insurance leader, Metlife provides members with fantastic benefits such as income insurance, loan protection, and credit card insurance. The team at Thrive is proud to be a partner with Metlife. Learn more about their personal insurance services today. Ready to look under the hood with your insurance? Send us a private message today. https://www.metlife.com.au/insurance-solutions/personal-insurance/ #personalfinances #finances #superannuation #financialfreedom💰 #abundancementality #manifestingabundance #moneymindset #budgetplanner #budget #investment #debtfreejourney #debt #thrivefinancial #financialadvisor #money #family #insurance #lifeinsurance #super #superannuation #empoweringfinancialfreedom #moneyquote #moneymindset #meatlessmondays #meatfreemonday


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Hi, and welcome! I’ve had some new subscribers and wanted to take a moment to introduce myself. I’m Toni, and I’m a personal finance coach. See that hunk in the suit?! That’s my stud of a husband, Nate. . . . Three years ago, we were pretty “normal” when it came to money. I literally put every. single. thing. on a credit card, thinking I was “earning” so many cash back rewards, when in reality, I was actually spending wayyyy more than I would have, had I been spending with a debit card or better yet, cold hard 💵💰. I was basically working to pay off my credit card. Flash forward to our engagement in 2017: we had a #realitycheck when we realized that not only did we have to figure out how to pay for a wedding ourselves, but we also had to face the reality of Nate’s #studentloans , which were from a private school! 😭😬 . . . So, we sat down together as a couple and figured out our #planofattack to both save for our #wedding but also pay off the #studentloandebt . #flashforward 18 months, and we became completely #debtfree , having #cashflowed (paid for with cash vs. credit/loans) and paid off just over $97,000! . . . Current state: we just bought our #firsthome with a #fullyfundedemergencyfund of $25k in the bank, a 20% downpayment on a #15yearmortgage, and still had $15k leftover for #newfurniture and #homeimprovements ! Why am I telling you all this?! I tell you this to show you that “normal” is broke and living to pay your bills, but there is another way! There is a way to accomplish #financialfreedom and accomplish all of your #moneygoals that is way easier than you think! All you need to do is have a plan and stick to it! . . . I’ve made it my personal mission to help other “normal” people become a little “weird” and teach them how to #winwithmoney ! My mission is simple: I am #empoweringfinancialfreedom through teaching #personalfinance and general #lifeskills with money that all center around behavior change. If you’ve ever wanted to take control of your money, get out of debt, or even become a millionaire but don’t know how, click the link in my bio to schedule a free consultation call! I want to help! #tonimullinsfinancialcoaching #debtfreegoals


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Don’t simply get by...it’s time to Thrive! A painless way to help your body and the planet thrive is to implement a #meatlessmonday each week. Going meatless once a week may reduce your risk of diseases while also saving precious resources like fossil fuels and freshwater. See all of the benefits here: https://www.meatlessmonday.com/benefits/ Does anyone have meat-free Mondays? Tell us below! 👇👇👇 #personalfinances #finances #superannuation #financialfreedom💰 #abundancementality #manifestingabundance #moneymindset #budgetplanner #budget #investment #debtfreejourney #debt #thrivefinancial #financialadvisor #money #family #insurance #lifeinsurance #super #superannuation #empoweringfinancialfreedom #moneyquote #moneymindset #meatlessmondays #meatfreemonday


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Did you know? On average, my financial coaching clients pay off $2,263 in debt within the first month of working with me AND save on average $912! That’s a total of $3,175 in #financialprogress towards #debtfreedom and #financialindependence in just one month! What are you waiting for?! Click the link in my bio to set up your free consultation. Your future doesn’t wait until you are “ready.” #tonimullinsfinancialcoaching #empoweringfinancialfreedom #moneygoals #moneywin #winwithmoney #millionairemindset #buildingwealth #blackfridaysale


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This #FinancialFitnessFriday let’s chat about the road to retirement savings. Only 44% of Australians over age 40 feel prepared for retirement. Are you in that boat? Your superannuation plan can make a big difference in your financial planning for retirement. Having the right tools and strategies now can make or break your golden years. Contact us today to get on the right path to retirement today: #thrivefinancial #financial #finances #money #moneymindset #budget #spending #debt #kids #familybudget #financialfreedom #investment #insurance #super #superannuation #empoweringfinancialfreedom #financialfreedom #moneyquote #moneymindset #abundance


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At Thrive Financial, we only work with the best in class insurance providers, like Clearview. Clearview offers award-winning life insurance services to members so they can protect their assets now and in the future. Learn more about Clearview today: https://www.clearview.com.au/ #thrivefinancial #financial #finances #money #moneymindset #budget #spending #debt #kids #familybudget #financialfreedom #investment #insurance #super #superannuation #empoweringfinancialfreedom #financial freedom #moneyquote #moneymindset #abundance


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Because all the cool kids are doing it 🤷‍♀️ There is no better time to get your finances in order than heading into a brand new year. #newyearnewyou 🙌🏻 Now through Sunday, I’m offering 30% off any financial coaching package or subscription. If you’ve been thinking about financial coaching, stressing about the cost of the holidays, wondering how you’re going to pay your next bill, or even just wanting to get out of the paycheck-to-paycheck cycle, click the link in my bio to schedule your free consultation to see if I can help you with your goals. The sale ends Sunday, so don’t delay! #financialfreedom #debtfree #debtfreegoals #empoweringfinancialfreedom #tonimullinsfinancialcoaching #blackfriday #blackfridaysale #financialcoach #moneygoals


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The team at Thrive Financial takes you from where you're at right now and propels you to exactly where you want to be. ✔️ Our wealth planning services help you retire comfortably so you can have your time back and spoil those grandbabies! Send us a private message today to see how you can get closer to your financial goal. #thrivefinancial #financial #finances #money #moneymindset #budget #spending #debt #kids #familybudget #financialfreedom #investment #insurance #super #superannuation #empoweringfinancialfreedom #financial freedom #moneyquote #moneymindset #abundance


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Want to fast track your way Platinum Status with AIA Vitality? Simply making regular check-up appointments with your Doctor will help you get there quickly! Learn more about points for preventative care through AIA Vitality today: copy link to learn more: https://thrivefinancial.com.au/vitality-points-for-health-checks/ #thrivefinancial #financial #finances #money #moneymindset #budget #spending #debt #kids #familybudget #financialfreedom #investment #insurance #super #superannuation #empoweringfinancialfreedom #financialfreedom #moneyquote #moneymindset #abundance


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Christmas is coming! Before we max out the credit cards, let's go through a couple of ideas to save or maximise on what we already have! First step: 👇 Make a list (and check it twice!). You need to know what you're buying and who you're buying for – so sit down and make a list. After the list is completed, let's create a realistic budget. Before you start shopping, decide on how much you can afford to spend (not how much you want to spend). From my personal experience, I can tell you this level-headed awareness has many benefits and can make all the difference. #thrivefinancial #financial #finances #money #moneymindset #budget #spending #debt #kids #familybudget #financialfreedom #investment #insurance #super #superannuation #empoweringfinancialfreedom #financialfreedom #moneyquote #moneymindset #abundance


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Do you use your Super to pay for your insurance? Should you be using your Super to pay for your insurance? If you're not sure what strategy is right for you, talk to us. We're all about making empowered decisions for your financial future. Click through to contact us today: http://bit.ly/ThriveFinancialContactUs #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Generosity: have you ever thought about how financial freedom could help you become more #generous towards others? Some people think that #financialfreedom is only self-serving, but in fact, it’s just the opposite. Getting in control of your money allows you to give generously and bless others without having to worry about how your next bill will be paid. @naterade54 and I have enjoyed shopping for Richmond’s @feedmoreinc every year to collect canned food for people in our community who might not otherwise have a meal for Thanksgiving or even on a regular day. We don’t stress about the cost of it and get to enjoy the experience of doing good for others? Why? Because we have taken control of our money, which allows us to actually plan and budget for generosity throughout the entire year and additional generosity during the holiday season. So, maybe you don’t get motivated by retiring early, vacations, or getting to enjoy a date night that you pay for in cash, but if I told you that you could bless others through #outrageousgenerosity , would that inspire you to take control of your finances? Click the link in my bio to schedule your free consultation today!#empoweringfinancialfreedom #takecontrolofyourmoney #tistheseasonforgiving #personalfinancecoach #tonimullinsfinancialcoaching #give


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Just because your finances are less than stellar right now doesn’t mean they can’t improve! We take you right where you are to where you want to be with tools and advice that just make sense. If you're in need of simple advice to get started don't feel afraid to reach out, we're a team that works towards helping you feel supported and safe around the word MONEY. 😌 #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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We believe in saving for the future, looking at your superannuation, personal savings and investments. But do you know how much you actually need to live comfortably? A. 1 million or more B. $500,000 - 999,999 C. Less than $500,000 Let us give you a REAL answer, based on your income and lifestyle. We are offering a free retirement evaluation. Please click through to get in touch, we'll respond personally. ✍️ http://bit.ly/ThriveFinancialContactUs #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Thanks for the Thrive 💙, Luke! The staff at Thrive Financial are here to power your financial journey. We pride ourselves on providing financial advice in terms real people can understand. Join Luke and contact us today by clicking through to the link in the bio. #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Did you know more than 1 in 6 Australians are struggling with debt? Are you one of them? If so, don't feel ashamed. First step is awareness and accepting expert help. Here is a free resource that can help you move forward. Click on the link below 👇 https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps Our super cool tools keep track of your money, allowing you to spend smarter and climb out of debt faster. Ready to believe that? #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Are you planning to start a family? Have thought of your future plan to live a comfortable lifestyle? Protecting your wealth means even more when you start a family. Build your empire today with a free health assessment that will help you formulate a plan to supercharge your money. Schedule your assessment today, and it doesn't matter where you're at, we've got your back. #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Do you run your money or does your money run you? 🏃‍♀️🏃‍♀️🏃‍♀️ Life can pull us in many directions. We are a busy household of 2 boys, a cat, chickens and a house to maintain. If you're looking for someone to understand where you're at, you’re on the right page. #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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We want you to be a happy budgeter. Ready to feel empowered with your finances? Learn how to get back in control of your money by contacting us today. Don’t be shy we don’t bite! http://bit.ly/ThriveFinancialContactUs #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Growing your wealth is a skill. How often do you work on it? The experts at Thrive know that it takes more than just 1 YouTube clip to get started! Life is about thriving, not just surviving. Financial freedom awaits you. Ready to step into your power? Feel free reach out, no question is a dumb question. #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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People don’t become #everydaymillionaires by accident. They do so by intentional and consistent #habits and #behaviors that produce great rewards over time. For me, I have several behaviors that have me on the path to becoming an #everydaymillionaire , but one of them is that I #neverpayfullprice . What I mean by that is that I am always looking for ways to save money, whether it be #couponing , #negotiating , #askingforadiscount , or sometimes #delayinggratification for something that I can’t get a deal on and waiting until it’s on sale. What behaviors do you currently practice to get you on the path towards financial freedom? If you don’t have any yet, what can you implement TODAY and make it a habit to improve your financial situation? #tonimullinsfinancialcoaching #empoweringfinancialfreedom #debtfree #debtfreelifestyle #financialcoach


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Did you know budgeting is key to long-term financial wellness? But sometimes it’s easier said than done. What category do you struggle with most budget-wise? A. Family food shopping B. Clothes shopping C. Movies, shows, entertainment + wine Tell us in the comments below and we will share free advice to help you move forward with confidence. + check out our easy to use budgeting tool here: http://bit.ly/BudgetingMadeEasy #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Hi, it’s Rachael here, the founder of Thrive Financial. I believe in creating a safe space for individuals and families to build a long-term financial plan that sets them up for financial freedom. What would you do with 1 million dollars? Drop a comment below and let us know! 👇👇👇 #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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It’s Sunday, and there are only 4 days left in October. Have you created your November budget yet? Your budget should look different every month, based on what your goals are, which means your budget needs to be updated to reflect those goals. For example, my husband and I have been saving towards catching up on our Roth IRA’s, since we paused retirement savings to save for our #20% #housedownpayment . However, we’ve decided to do a couple more #homeimprovementprojects including #custombuiltins in our master sitting area and....a #garagegym ! Since we have until we file our taxes to contribute to our Roth IRA’s for the year, we are pausing our Roth savings again to #cashflow our #homeprojects. I teach all of my clients how to #livewithintheirmeans and #budget but still with some room to #havefun and #enjoyspending what they’ve worked hard to earn. Happy budgeting! #budget #novemberbudget #financialgoals #debtfreegoals #debtfreeliftstyle #tonimullinsfinancialcoaching #empoweringfinancialfreedom


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Don’t become overwhelmed with all the financial advice out there. We can help pull back the curtain on your financial future! We offer affordable rates for world-class financial planning. Learn more about how we empower you to reach financial freedom, click through to the link in the bio. #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Financial wellness isn’t just for the elite class... it’s for everyone. We believe in empowering your financial freedom with multiple tools all in one place, like goal setting, cash flow, and debt management. Go on, we challenge you to take back control of your money today. Don't do it alone. We love seeing the success of our clients when they walk away feeling clarity around their finances. Ready to feel the same? #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Wouldn’t it be nice to pay yourself before you pay your bills? 💰 You can! It’s actually an important part of wealth building. Send us a DM and we can chat over a glass of wine, or a cuppa. #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Are you stressing over your financial situation? Who aren’t these days. Costs are rising and families are growing. Don't do financial planning on your own. We will walk you through a step by step processes that is easy for you to understand and implement. #thrivefinancial #financial #financialservices #services #finances #money #life #business #budget #stocks #debt #control #kids #financialfreedom #money #investment #families #empoweringfinancialfreedom #financialfreedom #freedom #quote #moneyquote


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Yikes!!! Are you a teacher or a public servant with student loan debt holding out for your loans to be forgiven? If so, listen up! There are several rules which you must follow in order to qualify for Public Student Loan Forgiveness (PSLF): 1) You must make 120 consecutive on-time payments, 2) you must have a consolidated Federal direct loan, 3) you must work a minimum of 30 hours per week for a qualified employer*, and 4) your loan must not be in default. *If you are laid off, redistricted, take time off to raise kids, are transferred to a non-qualified employer, etc., you become disqualified for PSLF. Oh, and the best one is that the government can change the program at any time! All of the odds are stacked against you. When Nate and I first started dating, he used the #debtsnowball and some #gazelleintensity to aggressively pay off all of his private student loans in 14 months, to the tune of $25,000! After that, we decided that making minimum payments on the Federal loans would be the smartest decision to allow us to save for our wedding, since, as a teacher, he would qualify for PSLF. After going through my training to become a #financialcoach ,Nate and I realized that waiting on the government to forgive his student loans was not a smart plan, given those statistics. So, we tightened up the budget and got to chunking away at his loans and paid off over $45,000 within a matter of months. The strategies that Nate and I used to pay off and pay for $98,000 (student loans + car +wedding + honeymoon) in 18 months are the same strategies that I teach my clients. Anyone can do this, but you have to have an intentional plan to accomplish #debtpayoff. If I just rocked your world, please do not stress! Click on the link in my bio to inquire about coaching! #financialcoach #empoweringfinancialfreedom #tonimullinsfinancialcoaching #moneycoach #winwithmoney #studentloancrisis #studentloans #payingforcollege #payingstudentloans #debtfreeliving #debtfree #debtfreegoals


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2 months. 3 coaching sessions. $12,988 paid towards debt. 1 AWESOME, on-fire, motivated, debt-hating, life-loving engaged couple who are setting themselves up for future #millionairestatus ! Proud of you two @lyds_hall @williescab ! #proudcoach #myclientsrock #debtsnowball #debtpayoff #winningwithmoney #killinit #tonimullinsfinancialcoaching #empoweringfinancialfreedom #puttinginwork #worktheplan #babysteps #financialcoaching #clientwins


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Calling all couples and singles (so all of you)! Want to know the #secrettoasuccessfulmarriage ?! Statistics show that if you and your significant other agree on these four things, your chance of #divorce is less than 10%! 1) Money: you and your #spouse have to be on the same page about how you view and handle money. If one of you is an #extremespender and the other is an #extremesaver , you will likely have a tough road ahead. How you spend your money reflects your #values which can positively or negatively impact your marriage. 2) Kids: You want kids and your husband doesn’t? For me, that was always a #dealbreaker . It is so important that the two of you want the same things out of life, and kids are a #hugedeal because #newsflash you can’t return them, and you can only have them (biologically speaking) for a certain window of your life. 3) Religion: I don’t mean the difference in faith denominations. If one person believes in God and the other person doesn’t, there will likely be a myriad of other negative impacts. 4) In-laws/family: you two have to be on the same page about how you will spend time with family. One person cannot cling to their family while the other person just wants to spend time away from family. As a financial coach, I address #1: the money problem, which is a leading cause of #divorce. I may not be able to make sure you are fundamentally aligned with your spouse in other categories, but financial coaching can be viewed as #premaritalcounseling or #marriagecounseling because it will get you on the same page (and on the same team) with your #money. If you and your spouse could be better aligned in the money category, send me a note on my website, and let’s chat! I’d love to help! #linkinbio #tonimullinsfinancialcoaching #empoweringfinancialfreedom #moneygoals #marriagegoals #marriagestats #winningwithmoney #financialcoach #moneyandmarriage #love #lovegoals


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#cheers to my bada$$ client @caitlyn_fralin , who has paid off $17,000 in #debt in just five months and is now officially #debtfree ! We had to celebrate with a #debtfreehappyhour! Caitlyn, you’ve been a pleasure to work with, and I’m so #proudofyou for accomplishing this feat and changing your #financialfuture ! You are on your way to becoming an #everydaymillionaire ! #empoweringfinancialfreedom #tonimullinsfinancialcoaching #debtfreecoach #financialfreedom #debtfreecommunity #debtfreegoals #debtfreejourney #clientwins #thisgirlisonfire #moneywin #winningwithmoney


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Guess what, people! @naterade54 and I closed on our first house today! We followed all the rules and stayed disciplined to keeping with the plan, despite how hot the market has been. We were able to save up a 20% downpayment and get a 15-year fixed mortgage for no more than 25% of our base after-tax income. That gives us the freedom and flexibility with our #budget to do some #homeprojects and still pay off the mortgage early. Our goal is to pay off the house in 10 years or less, like #millionaires do, and when we set our minds to something, we do it! The only downside is that we are no longer completely #debtfree , but we’re #debtfreebesidesthemortgage . All of our commissions, bonuses, and #sidehustleincome will now go towards the mortgage. Want to know the best part? In a white-hot seller’s market, we still were able to #negotiate the price, and we got the house for under list price!! That’s right: we #neverpayfullprice and especially not on our largest purchase ever! #debtfreecommunity #debtfreejourney #homepurchase #newhome #homeowners #newhomeowners #timetopayoffthehouse #youcandoit #livebelowyourmeans #tonimullinsfinancialcoaching #practicewhatipreach #financialcoach #empoweringfinancialfreedom


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☝🏻☝🏻☝🏻This. I heard this on a finance podcast today, and it really resonated with me. 🙌🏻👏🏻Why are we so afraid to celebrate when we are winning 🏆, and why are we so quick to cut people down who are?? . . . As a financial coach, I want to see my clients shouting from the rooftops about their debt payoff, yet our culture doesn’t seem to value #financialindependence like we should. Being #debtfree and #financiallyindependent is way harder than being “normal” and doing what everyone else does. Almost 80% of Americans live paycheck to paycheck, yet everyone is so quick to shoot down the idea of actually spending only what you make (or better yet, less than that!) I hear it all the time: “Why would I use a debit card when I can make money off of my normal expenses?!” (Hint: You spend way more money when you don’t have to actually pay for it right away. Why do you think credit card companies have such high interest? They know you’re gonna pay it off later. #instantgratification ) Since when is it more impressive to have credit card rewards (i.e. a ton of debt) than the ability to actually #paycash for something you want or need? . . . To my clients and fellow hustlers on the #debtfreejourney or living a #debtfreelifestyle , don’t ever apologize for #winningwithmoney . What you’re doing is creating opportunity for yourself and your family for generations to come. Now THAT should be celebrated. If you agree, comment a 🙋‍♀️! #debtfreecommunity #personalfinance #empoweringfinancialfreedom #wealthbuilding #millionaireinthemaking #whatsyourwhy #retireearly #retireearlyandtravel #outrageousgenerosity #livelikenooneelse #financialcoaching #tonimullinsfinancialcoaching #winning #dontapologize #winningisgood #ignorethehaters #creatingopportunity #buildinggenerationalwealth


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Whether you win or lose with money has little to do with how much money you make. It has everything to do with what you do with what you make and your personal behaviors and habits with money. Here’s a question I get all the time: “If someone is in debt, why would they pay you to be their financial coach?” As a financial coach, my job is to teach you the behaviors and habits to win with money, regardless of your income. As my coach @daveramsey says, “Personal Finance is 80% behavior and only 20% head knowledge.” I’ll teach you the knowledge about personal finance, but more importantly, I’m going to give you the life skills to win with money for the rest of your life! If you are sick and tired of the paycheck-to-paycheck grind, wondering how you’ll ever tackle your debt, or just want to learn some habits and behaviors to become an #everydaymillionaire , head on over to my website and submit a request on my contact form. Link in bio. #financialcoach #daveramseyfinancialcoach #tonimullinsfinancialcoaching #personalfinance #winwithmoney #empoweringfinancialfreedom #debtfreecommunity #debtfreejourney #debtfree #moneygoals


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A lot of people have been asking me lately about my #sidehustle and wondering what exactly this whole #financialcoaching thing is, so I wanted to point you to some Frequently Asked Questions #faq on my website. Link in bio! Check it out and let me know what you think and if I can help you! . . . Also, thank you to those who have helped spread the good word of #financialfreedom to your network. I’m launching a #referralprogram as a “thank you” for helping to share my message, because getting out of debt and creating generational wealth is so important! This is how you change your family tree and leave a legacy, people! . . . So the referral program works like this: if you are an existing client of mine and refer someone to me who purchases a financial coaching package or subscription, I will either give you a 15% #discount on additional coaching OR up to $100 #cashmoney as a #thankyou you! If you are not a client of mine but you refer someone who purchases coaching from me, I will give you up to $100 cash money OR a 10% discount to purchase a coaching package from me. Make sure to have them mention your name in the referral section on my website contact form, so I know you referred them! #referralbonus #getpaid #spreadtheword #debtfreecommunity #debtfree #debtfreejourney #livebelowyourmeans #financialcoach #tonimullinsfinancialcoaching #empoweringfinancialfreedom #thankyou #referralprogram #bonus #makingmillionaires #wealthbuilding #controlyourdestiny #daveramseyfinancialcoach #changeyourfamilytree https://tonimullinsfinancialcoaching.com/the-process/frequently-asked-questions-faq/


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A lot of people have been asking me lately about my #sidehustle and wondering what exactly this whole #financialcoaching thing is, so I wanted to point you to some Frequently Asked Questions #faq on my website. Link in bio! Check it out and let me know what you think and if I can help you! . . . Also, thank you to those who have helped spread the good word of #financialfreedom to your network. I’m launching a #referralprogram as a “thank you” for helping to share my message, because getting out of debt and creating generational wealth is so important! This is how you change your family tree and leave a legacy, people! . . . So the referral program works like this: if you are an existing client of mine and refer someone to me who purchases a financial coaching package or subscription, I will either give you a 15% #discount on additional coaching OR up to $100 #cashmoney as a #thankyou you! If you are not a client of mine but you refer someone who purchases coaching from me, I will give you up to $100 cash money OR a 10% discount to purchase a coaching package from me. Make sure to have them mention your name in the referral section on my website contact form, so I know you referred them! #referralbonus #getpaid #spreadtheword #debtfreecommunity #debtfree #debtfreejourney #livebelowyourmeans #financialcoach #tonimullinsfinancialcoaching #empoweringfinancialfreedom #thankyou #referralprogram #bonus #makingmillionaires #wealthbuilding #controlyourdestiny #daveramseyfinancialcoach #changeyourfamilytree https://tonimullinsfinancialcoaching.com/the-process/frequently-asked-questions-faq/


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Another successful coaching session in the books! Tonight, I had my second coaching session with an #engagedcouple , and can I just tell you how much these two are #onfire ?! In a month, the two of them have paid off $9,623 in debt! They are committed to starting off their #marriage in a healthy financial spot and working together to accomplish their #financialgoals . . . . I can’t express how important this is for a #healthymarriage ! Money-related problems are one of the leading causes of divorce in the US, and that’s because too often, couples don’t take the time to get on the same page with their spouse about #money and #finances before they get married, and then they never learn how to work as a team on their finances once married. If you are engaged and want to drastically increase your odds of a successful marriage or are currently married and don’t know how to effectively communicate with your spouse about money, send me a DM or submit an inquiry on my website. I’d love to help! #moneyandmarriage #marriagecounseling #premaritalcounseling #engaged #married #debtfreecommunity #debtfreejourney #debtfree #financialfreedom #empoweringfinancialfreedom


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Attention homeowners! I’m giving away the SECRET TIP for how to save $75,000 on your mortgage, on average, and I’m giving you this advice 100% OFF! That’s right: TOTALLY FREE! All you have to do is: 1) Like this post 2) Follow me on Instagram @tmullinsfinancialcoach 3) Tag 3 friends in this post who have a mortgage 4) DM me to get the answer . . . That’s it! Four easy steps to save you $75,000 on average! Ready, set, go! #empoweringfinancialfreedom #debtfreecommunity #debtfreejourney #debtfree #debtfreeliving #wealthbuilding #makingmillionaires #everydaymillionaires #financialcoach #financialfreedom #mortgagesavings #savingmoney #moneysavingtips #wealthtip


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$6,928! In just 3 weeks since starting coaching, one of my clients has already paid off $6,928 of #studentloandebt ! During her first coaching session, we created a #budget , set #smartgoals for short-term, mid-term, and long-term, and made an intentional plan to give #everydollar an assignment. Instead of wondering where her money is going while her interest accrued to make #salliemae #rich , she’s now telling her money where to go, while rapidly paying off debt and positioning herself to become wealthy and become an #everydaymillionaire ! . . Have you ever wondered what it might be like to reduce #financialstressors and #moneyproblems in your own life? Drop a comment below or visit my website linked in my bio to inquire about financial coaching. #clientwins #empoweringfinancialfreedom #debtfreecommunity #debtfree #debtfreeliving #financialcoach #daveramseyfinancialcoach #buildingwealth #creatingmillionaires #tonimullinsfinancialcoaching


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Side Hustle Saturday! Today I’m doing some work on my coaching business by reviewing some of the course content from Financial Coach Master Training. I want to make sure my “coaching toolbox” is chock-full of strategies, tips, and ideas to #empowerfinancialfreedom in others who are motivated to take control of their lives and their finances and change their family tree. . . . Sometimes, when you are working to get out of debt, you’ve just got to #sidehustle . Since @naterade54 and I are #debtfree and #livebelowourmeans , my side hustle is more about helping others experience this same #financialfreedom that we’ve accomplished, because let me tell you this: it is absolutely #lifechanging ! . . . What’s your side-hustle? Drop a comment below and tell me about it! 👇🏻👇🏻 #tonimullinsfinancialcoaching #financialcoach #empoweringfinancialfreedom #debtfreecommunity #debtfree #debtfreedom #livelikenooneelse #sidehustle #sidehustlesaturday


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Myth busted! Have you ever heard someone say “my mortgage is cheaper than my rent” when talking about buying a home? I hear it all the time! . . Folks, this is where we have let Fannie Mae brainwash us! Don’t be fooled by the realtors, the big banks, and the mortgage lenders who want to push you into buying a house. When you hear this, I want to to train your brain to say, “false!” . . . Unfortunately, it’s just not true, and the math proves it. (By the way, math doesn’t lie.) Landlords assign a value to your apartment which they then assign you to pay as “rent.” Houses work the same way, in that they are also assigned a value. However, the key difference is that rentals are pre-paid, while homes are post-paid. Have you ever thought about that? Your landlord requires you to pay rent at the beginning of every month, BEFORE you reside in the apartment for that month. Banks and mortgage lenders on the other hand, pay for your house up front on your behalf, knowing that you’ll pay them back. That means that banks and mortgage lenders are assuming significant financial risk. In order to make the risk worth it, they charge you interest on the loan. That, my friends, is how you end up spending an extra $140,000 in interest on a house (based on cost of the average home in the US: $250K). Do you think your landlord is making anywhere near that kind of profit (56%) on your apartment rental? Nope! . . . So, if you are not out of debt with your fully-funded emergency fund in place, you should continue renting and NOT buy a house yet, even if people tell you your mortgage will be “cheaper.” Remember: if you have 30 years to pay something vs. 12 months, your monthly payment MAY be lower than your monthly rent, but in the long run, you are paying tens of thousands of dollars (in interest alone) more than you would otherwise have paid renting. . . . Looking to get out of debt and get financially ready to buy a house? Send me a DM, and I’ll show you how! #debtfreecommunity #debtfreejourney #debtfree #homeshopping #homebuying #rentvsbuying #tonimullinsfinancialcoaching #millionairemindset #empoweringfinancialfreedom


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#fridayfinancefact : According to a recent 2018 National Financial Capability Study (NFCS), 36% of Americans spend as much money as they earn and 19% of Americans spend more than they earn. That means that 55% of the US (roughly 180 million Americans) are just breaking even or spending money that they don’t actually have. This is why we have such a culture of debt and living paycheck-to-paycheck: because everyone does it! . Not coincidentally, 53% of Americans get anxiety just thinking about their personal finances. . If you fall into either of these categories, there is help! As a financial coach, I am here to help you lay the foundation for successful behaviors in personal finance. I will teach you the fundamental skills to get out of debt, stay out of debt, and build generational wealth. All you have to do is take the first step and ask for help. Drop me a line on my website and let me help you achieve financial freedom! https://tonimullinsfinancialcoaching.com/contact/ #tonimullinsfinancialcoaching #empoweringfinancialfreedom #debtfreecommunity #debtfree #debtfreejourney #youcandoit #moneymotivation #creatingmillionaires #daveramseyfinancialcoach #changingyourfamilytree #takecontrol


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Hi! Welcome to my page! My name is Toni Mullins, and I’m a Dave Ramsey trained Master Financial Coach. I help people get out of debt; save for big expenses like weddings, houses, college, cars, etc.; help people to save for retirement; and teach people how to build wealth and win with money! Have you ever wanted to take control of your finances and get on the path to financial freedom? Give me a shout! Like to my website in bio! #empoweringfinancialfreedom #debtfreecommunity #debtfreelife #debtfree #winwithmoney #retireearly #daveramseyfinancialcoach #personalfinance


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