Natural Hair and Other Kinky Stuff

Financial Freedom

You have already read about how I have been making it rain here. Today though, I am going to share with you the steps I have taken to get my finances in order to live with financial peace and freedom. I also included my 2016 financial goals as well.


  • Financial Peace University by Dave Ramsey
  • 40lk contribution slightly above the company match
  • Roth IRA
  • HSA max contribution
  • Electronic debit for all bills
  • No use of credit cards unless I can pay the balance in full every month
  • Automatic, direct deposit of 20% of each paycheck into a savings account
  • Emergency fund with 1 year living expenses in a high yield savings account (check out capitalone 360)
  • Paid off car and won’t have another car note for at least 3 years

2016 Financial Plans

  • Pay off student loans (start with the smallest one 1st and then move to the larger one using the snowball effect)
  • Increase charitable donations
  • Practice minimalism
  • Raise insurance deductible to lower monthly payment since my emergency fund can over the deductible in the event of an accident
  • Review life insurance policy
  • Study investing more critically and diversify financial portfolio as needed
  • Generate another source of income

What are your favorite saving and budgeting tips?


Don’t forget to subscribe for weekly content and while you are here, you should get comfortable, look around, and comment or like a post so I know you stopped by.

Have a topic request? Leave it below and I will address that topic within a week.

~Thanks for Keeping it Kinky~



For personal advice or business inquires, please contact me at

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )


Connecting to %s

Basic HTML is allowed. Your email address will not be published.

Subscribe to this comment feed via RSS

%d bloggers like this: