The Beforepay Beat

Ways to boost your financial independence

Written by Danielle Osifo | Mar 20, 2024 6:00:00 AM

Depending on your goals, values and life stage, being financially independent can look different. For some it might be about paying off debt. For others it might be about improving their financial literacy or buying their first home.

In this edition of The Beforepay Beat we look at different ways you can boost your financial independence.

  • Debunking popular myths about buying your first home    
  • Can money buy you happiness? We asked the community.    
  • Steps to help you increase your salary    
  • Tips to help you manage your debt

MONEY TIPS

Tips for increasing your salary

Career development and skill training could lead to a boost in your income and financial independence by helping you with responsibilities like paying off debts and building an emergency fund.

And with everything going digital, it’s now easier and more convenient to balance your learning with full-time work and other commitments through platforms like:

  1. Short, focused sessions (15-30 mins) that fit into your busy day.
  2. Audiobooks, podcasts or educational content during commutes for learning on the go.
  3. Online courses and webinars that fit your schedule and location.

Check out our latest blog to find out more about how to increase your salary with career development and skill training!

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MONEY TIPS

Debunking common homeownership myths

Starting the journey into homeownership might feel a bit overwhelming, especially with various myths floating around. One common misconception is that you need a perfect credit score to buy your first home. In reality loan lenders look at other things such as your income and spending habits.

Believing these myths can make decisions take longer, causing stress and possibly missing out on home ownership opportunities.

We've debunked some common home-buying myths to help you feel confident and in control when it comes to decisions about buying your first home in your journey towards financial dependence.

For more myths explained, check out our blog!

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IN THE COMMUNITY

Can money buy you happiness?

In our latest chat with the community, we picked up some life lessons about money and happiness, including why saving for retirement is important.

Tap below to see what they had to say.


MONEY TIPS

Ways to help you manage your debt

Handling your debt wisely is a key step toward financial freedom. Since you’re not tied down to anything, this can help you cover other financial obligations or build an emergency fund.

Here are simple practices to weave into your routine, paving the way to financial independence:

  1. Budget: Your budget should cover everything – income, rent or mortgage, utilities, food, transportation, and entertainment.
  2. Pay off your credit card monthly: Avoid accumulating debt and the potential long-term financial consequences by paying your balance in full.
  3. Set financial goals: Establishing goals gives you direction and motivation, helping you save and invest.

For more useful tips on how to manage your debt check out our blog.

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