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Thrive with Jacie @UCOLMjDHgRYuOWfGQInygytA@youtube.com

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Hello Thrivers! Welcome to Thrive with Jacie where we learn

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Welcoem to posts!!

in the future - u will be able to do some more stuff here,,,!! like pat catgirl- i mean um yeah... for now u can only see others's posts :c

Thrive with Jacie
Posted 1 day ago

Let's allocate and automate your budget on excel while at it, subscribe, like comment and share!

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Thrive with Jacie
Posted 2 days ago

Check out these healthy recipes ‪@Sustainablelifewithjess‬

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Thrive with Jacie
Posted 4 days ago

Good evening,

The video is now up, check it out!

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Thrive with Jacie
Posted 5 days ago

Are you struggling to budget your income every month?

In today's video, we share a step by step guide of how to allocate your income by percentage and automate the process on Microsoft excel.

Our illustration relates to an income of 50,000 but you can adopt the budget based on your net income. See you at 8.15 pm, EAT!

A warm welcome to our new subscribers.

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Thrive with Jacie
Posted 5 days ago

Finance Tuesday: Retirement planning is essential to ensure a comfortable and financially secure future. Here are some strategies to help you save for your retirement:

1. Start Early:

Compound interest: The earlier you start saving, the more time your money has to grow.
Even small contributions can make a big difference.

2. Utilize Employer-Sponsored Retirement Plans:

401(k) or 403(b): Contribute as much as possible to take advantage of employer matching.
Consider a Roth 401(k): Offers tax-free withdrawals in retirement.

3. Open an Individual Retirement Account (IRA):

Traditional IRA: Tax-deferred contributions and tax-deferred withdrawals.
Roth IRA: Tax-free contributions and tax-free withdrawals in retirement.
Consider a self-directed IRA: For more investment options and control.

4. Set Realistic Goals:

Determine your desired retirement age and lifestyle.
Estimate your retirement expenses.
Calculate the amount you need to save.

5. Diversify Your Investments:

Spread your investments across different asset classes: Stocks, bonds, real estate, etc.
Consider a target-date fund for automatic rebalancing.

6. Review and Adjust Your Plan Regularly:

Monitor your progress and make adjustments as needed.
Consult with a financial advisor for personalized advice.

7. Consider Side Hustles or Part-Time Work:

Earn extra income to accelerate your savings.
Explore options that align with your interests and skills.

Remember, retirement planning is a long-term commitment. By starting early, contributing regularly, and making informed investment decisions, you can increase your chances of achieving a comfortable retirement.

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Thrive with Jacie
Posted 1 week ago

If you want to host with ease, you must watch this video. I enjoyed hosting and so can you!

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Thrive with Jacie
Posted 1 week ago

If you want to succeed in 2025, you must watch this video!

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Thrive with Jacie
Posted 1 week ago

We are fast approaching the end of 2024 and it is important to review your goals 2 or 3 months before the end of the year for a better way of strategizing for the coming year with no haste. Here is a snippet of what is coming today at 8.15 pm EAT: youtube.com/shorts/RR83BigE17...

Leave a comment on your take on goals review 2 or 3 months before end of the year!

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Thrive with Jacie
Posted 1 week ago

Finance Tuesday: Saving for a home Down Payment: Saving for a down payment is a crucial step in the home-buying process. Here are some tips to help you reach your goal:

1. Set a Clear Goal:

Determine your desired home price: Research the housing market in your area to set a realistic target.
Calculate the down payment: Most lenders require a down payment of 20% or less.

2. Create a Savings Plan:

Allocate a portion of your income: Dedicate a specific amount to your down payment savings each month.
Consider additional income sources: Explore side hustles or part-time jobs to accelerate your savings.

3. Reduce Expenses:

Cut unnecessary expenses: Identify areas where you can save money.
Cook at home: Eating out less can significantly reduce your spending.
Negotiate bills: Try to negotiate lower rates for utilities, insurance, and other services.

4. Build Your Credit Score:

Pay bills on time: Consistent on-time payments are crucial for improving your credit.
Reduce debt: Pay down existing debt to lower your debt-to-income ratio.
Monitor your credit report: Check for errors and dispute any inaccuracies.

5. Consider Down Payment Assistance Programs:

Research local programs: Many government agencies and nonprofit organizations offer down payment assistance programs.
Meet eligibility requirements: These programs often have specific criteria, such as income limits or first-time homebuyer status.

6. Save for Closing Costs:

Remember closing costs: In addition to the down payment, you'll need to save for closing costs, which can typically range from 2-5% of the loan amount.

7. Be Patient and Persistent:

By following these tips, you can work towards your goal of saving for a down payment and achieving homeownership.

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Thrive with Jacie
Posted 2 weeks ago

Catch up on this video

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