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Phone: (727) 619-4443
Email: josh@mindfulmoneyhabits.com
jess@mindfulmoneyhabits.com
Address: P.O. Box 8271 Seminole, FL 33775.
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  • What do you like to do to make people happy?⠀ ⠀ You all know that our favorite thing is giving in various ways (see our story for a super fun one from this weekend!), but it’s about more than that.⠀ ⠀ This quote is a huge part of our why for starting Mindful Money Habits. It’s not just a business to us.⠀ ⠀ Once we felt the freedom of getting out of debt, we knew that all we wanted to do was help others do the same. We love getting to talk with people about ways that they can meet their financial goals.⠀ ⠀ Money coaching is Josh’s full time job and it makes him love getting up in the morning. Napoleon Hill was spot on with this- happiness through providing it to others.⠀ ⠀ Happy Monday y’all, what will you do to help someone find happiness today? 🤗
  • Fueling our pineapple addiction:⠀ ⠀ The cashier gave us this for free (Perhaps it was because of my outfit)!⠀ ⠀ This is going to sound strange to some, but mindset means so much in personal finance. Might be the most important piece. When we started really getting into this thing, we decided to switch our thinking - to know that it was possible to pay off ungodly amounts of debt ($147,000 to be exact) in a short amount of time (slightly over 3 years if we’re keeping track).⠀ ⠀ People often ask how we did it and I swear to you that once our mindset shifted, money just started showing up. Random things all the time, checks appearing in the mail (twice in a row, I got refund checks from overpaying on something that I knew nothing about), bonuses, lots of fun little sales and upgrades and gifts - like free pineapples!⠀ ⠀ “What you appreciate appreciates”
  • It’s not too late to:⠀ ⠀ Budget.⠀ Learn.⠀ Follow your passion.⠀ Become debt free.⠀ Invest.⠀ Do whatever it is you dream of.⠀ Start.⠀ ⠀ We all have this weird thing in us where we feel like if we didn’t start 20 years ago, it’s too late. We’re in a constant state of feeling the pressure to catch up.⠀ ⠀ We felt this way when we first starting paying off debt. “If only we had thought like this 10 years ago...” ⠀ We kicked ourselves for not knowing about the stock market, about real estate investing, about financial independence. But there’s no sense in worrying about what you could’ve/should’ve done... it’s far more beneficial to just start.⠀ ⠀ Maybe we’re not where we could be in our 30s had we known then what we know now, but we’re a heck of a lot farther than we would’ve been had we never started.⠀ ⠀ Plant that tree. ☺️🌳⠀
  • In the month of May, we decided to challenge ourselves... we wanted to give something (whether that be financially, our time, or in some other way) everyday for the entire month. Some were small, donating clothes and some were big, giving $1,000 to someone we believe in. We documented all of it here - check our highlight under #MMHGive.⠀ ⠀ The reason we decided to be so open about it is because we are hopeful that in sharing what we’re doing to be generous, that it will inspire others to do the same.⠀ ⠀ We learned some fantastic lessons along the way:⠀ • There is always enough.⠀ • Opportunities to give will always present themselves.⠀ • Generosity can take many shapes.⠀ ⠀ We wrote about our experience over on the blog {the link is in our bio}. Check it out to see just why we think giving is the key to everything.⠀ ⠀ Do you have a favorite story of when you were generous? We want to hear about it!
  • Does your company match your 401(k) contribution? ⠀ ⠀ @moneymag published an article the other day about 401(k) company matches.⠀ ⠀ If you’re not familiar, the employer match is when your company matches your contribution to your retirement plan up to a predetermined maximum. ⠀ ⠀ Many think that this amount is pretty standard across jobs, but it actually varies quite a bit or is totally nonexistent. ⠀ ⠀ The job I just left matched zero.⠀ Jess’s last job matched up to 3%, but her current one matches 50% up to the maximum allowable pretax amount ($19,000).⠀ ⠀ The article did a great job giving useful, simple tips and insight on a 401(k) match. ⠀ ⠀ For example, the salary negotiation tip for a company without a match is really good. ⠀ ⠀ I love that it brings attention to just how powerful a 401(k) match can be. ⠀ ⠀ Regardless of the size of the match, you should consider contributing the amount to hit the maximum match because it’s an instant raise without having to have ask for one. ⠀ ⠀ We’ll throw the link in our bio so you can read it! It’s full of useful information.
  • If you were following our stories last weekend, you know that our car battery died. ⠀ ⠀ An emergency? Hardly. ⠀ An inconvenience, sure, but minor.⠀ ⠀ You know we often talk about mindset and this is a great example of such. Sure we could’ve been frustrated about it, but instead we laughed and were thankful that we happened to be in a Walmart parking lot so that we could run in and grab jumper cables (Which we ended up not needing and being able to return because we met the nicest man who jumped it for us 🙌).⠀ ⠀ But this is why an emergency fund is so important... We definitely believe that more than $1000 is needed in it, but it’s a great place to start. It turns “emergencies” into “just an inconvenience.”⠀ ⠀ ⠀ We have sinking funds for everything (vacation funds all the way to our annual fantasy football dues). Every pay check a certain amount gets moved over and places into these different funds. That way, when we need to go drop $200 on a car battery, it’s no biggie because we have a car maintenance fund for that exact reason.⠀ ⠀ ⠀ ⠀ *Also learned from that apparently our engine is filthy and an embarrassment. (Thanks for letting us know @el_dewey. 🤣)
  • Saving rate. How many of you calculate your savings rate? Did you know that your savings rate can predict how long you’ll HAVE to work? That’s why it’s one of the metrics we track so closely! We know that at our current savings rate, we’d only have to work 7 years until we hit financial independence (if our net worth was zero). So, if you have dreams of retiring early, consider your savings rate the ONE metric you MUST track.
  • Cheers to June!⠀ ⠀ What are you looking forward to the most?⠀ ⠀ For us, it’s slowing down- we’ve been nonstop for months and felt like we haven’t had much time to breathe. So June will (hopefully!) be for moving slower, reading more, talking more, doing less running.⠀ ⠀ Or at least that’s the plan... 🤣
  • Ready for June!⠀ ⠀ What big goals do you have?⠀ ⠀ Ours are kind of minor this month, but hey - goals are still goals so we’ll share. 🙃⠀ ⠀ • Our gym offers a discount if you hit 12 sessions in a month, which is such a win-win and good motivator for us both.⠀ ⠀ • We’ve put a lot of time into getting the rental ready and we want to get a renter in there ASAP! Holding costs are no joke.⠀ ⠀ • We always have a goal of around 60% for our savings rate - we’re trying to retire early y’all.⠀ ⠀ • We know that we want to go to AZ in the fall, but haven’t looked at the logistics yet. We also have some things we want to do this summer (like a mini-trip to SeaWorld! That’s a June goal too before our free passes expire. 😬)⠀ ⠀ What are your goals looking like? Finish up this first half of the year strong!
  • ((Are we supposed to bake cookies or something?)) ⠀ Something really cool happened. We listed our rental property less than a week ago and we’ve already had over 100 people reach out asking about it. 🤯 ⠀ We’re having an open house tonight for people to come check things out and it seems like it’s going to be pretty packed.⠀ ⠀ Excited for what’s ahead!⠀ ⠀ (Not fully pictured: the fact that Jess was in a hurry and didn’t realize until we were 3 hours from home that she misspelled “application” on the cards she printed. But we’ve just decided to still pass them out and just let everyone think she’s not so bright 🤣🤷‍♀️ Good idea or bad idea? It has the address for the website to apply...)

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