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money management

0 In Money/ Money Management

How To Invest Your Tax Refund Wisely This Year

Six ways to capitalize off of your tax refund this year. | Imperfect Concepts

IRS has pushed tax refunds back until February which can be a good thing or a bad thing depending on you. Today, I wanted to break down how to invest your tax refund wisely so you are reaping the benefits not just for a couple weeks but throughout this entire year. Too many people receive refunds of a thousand or more and it goes to things like a trip, car or a tv. Things that truly do not hold their value or help you in the long run.

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0 In Money/ Money Management

Small Business Owners 2017 Fiscal Budget

Breaking down how to handle your fiscal budget in 2017 as a small business owner or creative. | Imperfect Concepts

Running a small business is pricey compared to what social media teaches you. Even as a service based company, I still have serious overhead to run my company on a yearly. A plethora of the information I am sharing below are tax write offs you can utilize when filling your taxes. If you, have not called your accountant to file your taxes please make sure to add that to your schedule. I tend to call my accountant the first week of the year and schedule my appointment for around March. In addition to that, we meet at the start of the year to talk fisical goals, taxes and more. Just as it’s important to have a relationship with your business banker, you need one with a CPA or accountant in your city.  Continue Reading →

2 In Money/ Money Management

Why Shopping Aldi Saves My Business Money

Switching groceries helped me saved hundreds of dollars a month. That is now used for my small business.

As someone who is self employed one of the biggest things that matters is keeping all my coins. Yes, my company mission matters and all that fine stuff, but truth be told if I am not retaining money, I am losing money. You’re probably thinking what does this have to do with Aldi the grocery store. Well, earlier this year when I introduced myself to the zero budget method I had to rearrange how I was spending money and allocate it better. Continue Reading →

10 In Money/ Money Management

How To Make $35,000 A Year In Sales

Breaking down how to make a reasonable amount of money when you just started your small business. | Imperfect Concepts #smallbusiness #income #blogging

I know every time you log onto social media specifically Pinterest you see are bombard with graphics saying how to make $100,000 a year or some other large sum of money. Honestly, I do not want to just post one article on the subject of how to make that sum of money. Instead, I have decided to do a series on the subject matter. First, I want to share how to make $35,000 a year in sales. Then share how to make $50,000, $75,000 and finally $100,000Continue Reading →

1 In Money/ Money Management

The Importance of A Business Checking and Savings Account

Understanding the importance of having a your money separate when running a small business. | Imperfect Concepts #blogging #finances #smallbusiness

If you’re running a small business or plan on launching one it is imperative for you to have a business checking and savings account that is separate from your personal accounts. Last month, in 5 Ways To Create Money Habits a commentator asked me to dig deeper into this topic matter.

To be honest, there are only a couple reason why you need to separate your finances and they all evolve around legal reasons.  Continue Reading →

6 In Money/ Money Management

How To Tackle Your Student Loan Debt While Starting A Business

Step by step guide on how I personally gained control of my student loans and run a profitable business. | Imperfect Concepts #SmallBusiness #MoneyManagement #StudentLoan #DebtFree

While I’m growing my business, the main goal for my personal life right now is to be debt free from all student loans and commercial debt (credit cards). As mentioned in, Establishing A Better Relationship With Money and Nice Girls Don’t Get Rich, I have been working on this for some years now. Some people will say that when you start a business it’s okay to have business owner debt and others might say that they can’t afford to get out of personal debt while simultaneously starting a business. I just wanted to share with you all, how I have cut my debt in half and will be hopefully debt free by the end of 2016.  Continue Reading →

22 In Money/ Money Management

Establishing A Better Relationship With Money

How I went from being stressed with debt to healthy relationship. | Imperfect Concepts #SmallBusiness #DebtFree #MoneyManagement

Three years ago, I was a horrible manager of my money. That’s putting it nicely. Money would come in and go out the same day. I had no self-control or balance to my finances. I just did what I wanted. This was a disaster in the making. To break it down, I had missed payments on my student loans and a few other bills. In addition to that, I had no real savings account.

A good majority of American’s are two paychecks away from being homeless. We have become a society that depends upon our checks to always come in and help me out. We rely daily on our credit cards to live. It shouldn’t be this way. So, I am going to get real transparent on what I did to change my finances. This is going to work for some people and not others.

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0 In Money/ Taxes

How To Maximize Your Tax Refund

Learn how to maximize your tax refund to help you grow your small business.

For the last two weeks on Twitter, I have seen several W2 meme’s and people discussing what they will do once all their papers come in. There use to be a time when I got close to a thousand dollars back on my taxes. I was also a decade younger and naive to what handling my finances really meant. I wanted to share with my fellow business owners how they could maximize their tax refunds no matter the amount received.  Continue Reading →

6 In Money/ Money Management

Save An Additional $3,000 This Year

Save An Additional $3,000 This Year

If you are one of the millions of individuals trying to build wealth that last for generations, you are also one of those people looking to save additional funds every month. As I get closer to 30 years of age I realize that I need to have more money in my saving account. I’m no longer a teen or young adult who can depend on her parents to fund her lifestyle or take care of life expectancies such as new car, wedding, down-payment on a house, fix my washer and dryer, or other things that happen when you become a real adult.

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0 In Money/ Money Management

Money Management Tips For Building Wealth

Money management tips for building wealth

If you are like most individuals accumulating wealth is important to you. Not because you want to be on the Forbes list or something of that nature. More so to have security for you, your family, and for generations to come. However, we all know that most people are spenders not savers. Earlier this year, I decided to join the savers. Last year, I did a plethora of work to get my finances on track but this year I really took it up a notch.

If you are person who grow up in home where money was not talked about and you were lost when you became adult here are some things I learned this year that has helped my personal and business life so much. Continue Reading →

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