Net worth worksheet: Free download

Budget worksheet: Free download

Here’s a quick video showing you how to use the #freedownloadable worksheets

The importance of interest when earned and when paid!

Tips for saving during uncertain times.

How I saved $10k in one year!

Dear Budget,

Nov 25, 2019

A new year is quickly approaching so you should have known that a money episode was coming. I have talked about budgeting before on many occasions,  Dear Finance podcast episodesBudgeting for BeginnersMy Method for Saving over the yearsNew Year, New Money !

This time around, I am giving the who, what, when, where and why’s of budgeting.

How I budget, what is budgeting, why you should budget, when to budget, where to budge and what to budget and finally who can budget. This was a quick episode since I already have a few tips floating around. I just wanting to put it on your mind since a new year is knocking at the door. Be ready to answer!

Listen here or search Sincerely Angie on any podcast platform!

Do you know your net worth?

Aug 15, 2019

I know what you’re probably thinking, why would I, the average hundredaire or thousandaire need to know my net worth? Great question and I’m glad that you asked. LOL! There are many reasons why you should know your net worth but specifically, you should know it so that it can be used as motivation for a better financial future. Further down, you’ll notice an example worksheet to use to assist you in finding out your net worth.

Let me slow down and start at the beginning. What is net worth? Net worth is what you own minus what you owe. What does it mean? The total value of your assets minus your debts. What are assets? Assets are your possessions that have value. For example, money in your bank accounts, stocks, personal property, your home or other real estate. What are debts? Debts or liabilities are your financial obligations. Examples, credit card balances, personal or auto loans or mortgages. How do I calculate it? To calculate your net worth, first add up all of the things that you own and then subtract all of the things that you still owe money on. Now that I know this, what happens next? Create a net worth statement and update it yearly. This will help you to see your growth and financial progress and help you to better meet your financial goals. Knowing where your money is and its growth potential as well as knowing how much money you have is necessary. You can avoid a lot of financial mistakes that your parents or those close to you may have made and you can educate your kids, who are the next generation. Most importantly, seeing a positive or negative net worth will motivate you to go harder to live a debt free life and a life of abundance! After all, when you know better, you do better.

If you haven’t gotten into investing and would like to start, knowing your net worth is one of the first steps. If you have trouble budgeting and saving and you need a little help, I have blog posts and podcast episodes to help you along the way.  Budgetingsaving and your futureKNOW YOUR WORTH (in all aspects)!

P.s. Please don’t just take my word for it. RESEARCH!!! I am still growing and learning and I share as I learn. Don’t be afraid to seek financial counsel!


Assets (your possessions that have value)

Savings Account                      $ ________________

Checking Account                   $ ________________

Investments                             $ ________________

Life Insurance Policy             $ ________________

Retirement Fund                    $ ________________

Profit Sharing Equity             $ ________________

Employer Savings Plan          $ ________________

Personal Property                   $ ________________

Pension Equity                        $ ________________

Real Estate (Home included) $ ________________

Other                                          $ ________________

$ ________________

Liabilities (your financial obligations)

Mortgage Balance                  $ ________________

Car Loans                                $ ________________

Credit Card Bills                     $ ________________

Unpaid Medical/Dental Bills  $ ________________

Home Equity Loans                $ ________________

Personal Loans                        $ ________________

Unpaid Taxes                           $ ________________

Other                                         $ ________________

$ ________________

Total Assets                             $ ________________


Total Liabilities                      $ ________________

Net Worth                               $ ________________

Budgeting for beginners

Nov 12, 2018

Life gets hard and adulting sucks but until we learn how to manage the small daily tasks and responsibilities, the possibility of getting ourselves back into negative financial situations will remain high. Having a great relationship with money will insure that you can head problems off at the pass. I am sharing 5 steps on how to begin budgeting and I have also attached examples just to give you an idea of how you can start. Budgeting requires you to be active and disciplined, so please be prepared to be honest with yourself. There are podcast episodes, where I discuss finances and budgeting, check them out to learn more.

1. First thing, is to write down all of your bills for the month along with their due dates and calculate them.

-This may or may not change monthly but focus on the upcoming month. The other months will get their turn.

2. If you are paid weekly, bi-weekly or whatever income you receive during the month, calculate it.

-You’ll need to do a budget list on a month to month basis, as some bills for the month are subject to change and income may vary month to month.

3. Subtract total bills from total income for the month. 

-This will allow you to be able to see if you’re spending more than you’re making

4. Separate the bills into those due during the first half of the month and those due during the second half of the month.

-It’s possible that you’re paying some bills earlier than you need to.

5. Next step is to see what bills are necessary or what bills can be downgraded or eliminated(i.e. Cheaper internet package or cable package. Cut out Netflix or Hulu and gain access through a family or friend.)

If downgrading/eliminating isn’t applicable/necessary, then it’s time to implement budgeting. After seeing what’s left after the bills are paid, you should start to spend the extra wisely. Food, gas and necessities have already been subtracted, now you want to have a set amount of cash on you to spend until your next income is received. This way you’re not swiping your debit card and losing track of available or accounted for monies.

Please remember that the changes that you are making are only temporary until you can get your finances in order. This is not a forever thing.

Hopefully this helps. There is a lot more to budgeting but this is the best place to start. 😊

Dear Finances

August 16, 2018


This episode is about adulting. The bills, money, saving, credit, priorities, etc. I also share my methods for saving and how to earn additional money by doing things that I would do on a regular basis. Links below will take you where you need to go to learn more and sign up.

Ebates – www.ebates.com/r/BANANA2629?eeid=28187
Ibotta – ibotta.com/r/roxkmwo
Walmart savings catcher – Download the app in the app store.
Shell Fuel Rewards – www.fuelrewards.com/fuelrewards/welcome.html?RefId=6c0d42d1c72044b2aeea5bf27f6b7ac7

Blog post on saving: sincerelyangiem.tumblr.com/post/170664927775/new-year-new-money

New year, new money!

2/8/18 @ 6:30pm

This year I am focusing on saving more without watching it and taking from it. I recently watched a Lisa Nichols interview and I have seen her face before but never heard her story. She put money into a savings account from side work that she was doing and years later went checked the balance and was amazed. This caused me to start thinking of ways to start saving more without being tempted to touch the money.

I am always looking for ways to save money. Whether it’s using coupons, discount codes, clearance/sales racks/aisles, I’m all for it. I have been using Shell gas since I started driving and last year I started using Fuel Rewards. With FR, you save 5 cents a gallon every time you fill up to 20 gallons. I’ve saved close to $70 on gas in less than a year. I also use Wal-mart’s Savings Catcher app, where you scan your receipt and Wal-mart looks for the the same items in your area for cheaper prices and gives you back the difference if they find cheaper prices. I’m up to $16 in rewards dollars that I have gotten back. I just started using Ebates and got my first $10 back. It can be linked to your PayPal account so you get actual cash and not points. With Ebates, you save while shopping online at your favorite stores. They find coupons as well as extra percentages off. I just started using Ibotta and after you go shopping, just scan your receipt and you get cash back from items that you select before shopping. It seems to be just like the Wal-mart app but you are not limited to just Wal-mart. I also went to unclaimed.org to see if I had unclaimed money waiting for me, I did. So I filled out the necessary paperwork and mailed it in.

Click the names of the apps or sites that I have used to learn how to save more. It may seem like these are small amounts of money to be excited about saving, but considering that I don’t save that much that often, it’s a start. I will place the funds that I get from all of these accounts into its own separate account and at the end of the year I think that I will check the account to see how much I saved by doing what I do on a normal basis. Happy saving!


March 9, 2017

When I got my first job at 17, I was getting paid about $225 every two weeks. This was before direct deposit so I actually received a paper check that I had to go to the bank and cash. I didn’t have bills at this time so I would deposit $200 into my savings account and keep the $25 to spend for the next 2 weeks. I did that for almost 2 years. Then my second job I was getting paid every week so I did the same thing. If a check was $150 for that week, I would bank $125 and use the $25 for that week.

Gas and food was a necessity but I worked at a restaurant and lived with moms. I didn’t eat out a lot. I shopped on clearance when I did shop so 15 years ago I was able to make $50 go far. Personal products, leisure time and activities were included. I almost never went into my savings account. It had to be an extreme emergency, which I almost never had. If I couldn’t buy it out of the cash I had on hand or the extra in my checking account, I didn’t need it.

By my 3rd job, I was making a few dollars more per hour than my first two jobs. Clearing between $500-$600 every two weeks. Still did not have many bills. A car note and car/life insurance and a cell phone bill and helping moms out with a few bills. I was still able to save about 300-400 dollars a month. Months later I moved out and got my own place. By this time, I had been working for a few years so I was comfortable with saving and budgeting. Then Hurricane Katrina hit and my apartment complex closed. Now I’m back to saving an extra $500 a month since there was no rent or utilities. I would probably say that I was addicted to watching my saving accounts grow.

I still operate by this method til this day but it’s less money being saved because there is very little cash on hand on a regular basis. I operate a tad bit differently because I do a lot of online banking.  If my checking account has $637.18 in it, I would transfer $37.18 or $7.18 to my savings account. That’s dependent upon what is due in the next couple of weeks. This way I am still saving but in smaller amounts. I check my account weekly and sometimes every few days and I will round it off every time I check it. Sometimes only transferring $2.75. At the end of the year it can sometimes total $300+ dollars. If I didn’t save this way, I wouldn’t be able to save at all because there is no cash on hand, just swiping a card.