12 Financial Strategies I’ve Learned Over 12 Years of Adulting (Am I becoming a personal finance girlie?)

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  • Introduction: Hilary reflects on her journey from struggling financially to implementing smart financial practices and achieving success in her career.

  • Dollar-based Budgeting: Learn how to budget based on the previous month's income using a downloadable template available on Hilary's website.

  • Credit Card Usage: Hilary shares how she manages expenses by using a credit card with rewards and paying off the balance monthly for passive income.

  • Monthly Tracking: Importance of tracking income and expenses monthly for better financial awareness and preparation for tax season.

  • Tools for Wise Money Management: Hilary discusses using High-Yield Savings Accounts (HYSA), investing in I bonds, and exploring ETFs for investment opportunities.

  • Additional Tips: Increase rates as a service provider, research funding options for home purchases, and sell unused items for extra income.

  • Hustle & Grace Group Coaching: Hilary introduces the upcoming group coaching program and encourages listeners to apply for a chance to participate.

  • Recommended Resources: Hilary shares book recommendations and podcasts for further financial education and inspiration.

  • Conclusion: Wrapping up with a reminder to define financial goals and pursue them with determination and strategic planning.

Don't miss out on actionable personal finance and career tips in this episode of Hustle & Grace!

Resources and Recommendations from this episode:

Dave Ramsey’s 7 Baby Steps 

Think Like a Breadwinner 

We Should All Be Millionaires

How to Money Podcast

Money with Katie Show

Hustle & Grace Group Coaching application

Dollar-based budgeting template (Available on Hilary Sutton's website)

Chase Sapphire credit card (Recommended by Hilary for perks and rewards)

CIT Bank (Recommended for high-yield savings accounts)

I bonds (U.S. savings bonds designed to protect cash from inflation)

Schwab (Brokerage firm for investing in ETFs and stocks)