Penny Pinching Annie

📌Successfully saving money 💰 does not come without discipline & sacrifice.

It’s been a while since I’ve posted! I’m a new mommy, so I’ve been adjusting to my new normal, but one thing that hasn’t changed is my relationship with my finances🪙⭐️.

People ask me all the time, “How did you get your credit score?” Long story short… I worked my ass off, bookie😂!

Every dollar has an assignment. The #1 thing I tell anyone looking to get started is PAY YOUR BILLS ON TIME.

Contrary to what people say, credit does matter. You don’t have to do everything overnight. Small steps are still progress.

Start today. Your future self will thank you💳✨.

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Here are ways you could be losing money 💰

➡️ Bank fees
➡️Unused subscriptions
➡️Food wastage
➡️Impulse purchases
➡️ Not shopping around
➡️ Not tracking spending

✅Ways to maximize your credit score
Keep your utilization low
Keep old accounts open
PAY YOUR BILLS ON TIME
Dispute errors
Pay off debt
Avoid hard inquiries

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Financial self-love checklist 💫📋💰

Why are you still paying for subscriptions you don’t use or need?! You’re leaving coins on the table

The first step in saving is knowing what you're bringing in and paying out down to LAST RED CENT‼️💰 create a budget

What are your savings goals for 2025?

Starting somewhere is better than starting nowhere 💰🤎💫🙂🥳