Get
Good
with
Money
Ten Simple Steps to
Becoming Financially Whole
Tiffany Aliche,
THE BUDGETNISTA
Copyright
1 © 2021 by Tiffany Aliche
Appendix
Selected Resources
Get the most updated version of these resources and additional site
links via your complimentary Get Good with Money Tool Kit, at
www.getgoodwithmoney.com.
Chapter 1: Before We Begin: Get to Know Financial Wholeness
Budgetnista Boosters
Kara Stevens, CEO and founder of The Frugal Feminista: www
.thefrugalfeminista.com
ash Cash Exantus, wealth coach and chief financial educator at
MindRight Money Management: www.IamashCash.com
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Chapter 2: 10% Whole: Budget Building
MONEY LIST
MONTHLY TAKE HOME MONTHLY TAKE HOME
(money in) (money in)
MONTHLY SPENDING REDUCED MONTHLY SPENDING
(money out) (money out)
subtract
BEGINNING SAVINGS AMT. NEW SAVINGS AMT.
MONEY IN MONEY IN MONEY OUT
(NAME) (AMOUNT) (NAME)
TOTAL: $
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subtract
MONEY OUT REDUCED NAME OF ACCOUNT TYPE DUE DATE
(AMOUNT) MONEY OUT (EX. BILLS) (B/
UB/C)
TOTAL $ TOTAL $
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MONEY LIST (COMPLETED)
MONTHLY TAKE HOME MONTHLY TAKE HOME
$4,150.00
(money in) (money in)
MONTHLY SPENDING REDUCED MONTHLY SPENDING
$4,960.00
(money out) (money out)
subtract
BEGINNING SAVINGS AMT. -$810.00 NEW SAVINGS AMT.
MONEY IN (NAME) MONEY IN (AMOUNT) MONEY OUT (NAME)
Salary $3,200.00 Mortgage
lyft $650.00 Car Note
Etsy Shop $300.00 Car Insurance
Student loan (federal)
Cell Phone
Internet
visa Credit Card
MasterCard
Store Credit Card
Utilities (water, gas, electric)
Gas
Groceries
Toiletries
Grooming (Haircut, eyebrows, nails)
Dining Out (Breakfast, lunch, Dinner)
Entertainment
TOTAL:
$4,150.00
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$4,150.00
$3,955.00
subtract
$195.00
MONEY OUT REDUCED NAME OF ACCOUNT: TYPE: DUE DATE
(AMOUNT) MONEY OUT EX. BILLS B/UB/C
$2,600.00 $2,200.00 Bills B 1st
$300.00 $300.00 Bills B 28th
$235.00 $200.00 Bills B 15th
$250 $150.00 Bills B 5th
$150.00 $100.00 Bills B 26th
$80.00 $80.00 Bills B 28th
$195.00 $100.00 Bills B 16th
$50.00 $25.00 Bills B N/a
$75.00 $75.00 Bills B 8th
$200.00 $200.00 Bills UB 5th
$100.00 $100.00 Deposit/Spending UB N/a
$100.00 $100.00 Deposit/Spending C N/a
$100.00 $100.00 Deposit/Spending C N/a
$75.00 $50.00 Deposit/Spending C N/a
$250.00 $75.00 Deposit/Spending C N/a
$200.00 $100.00 Deposit/Spending C N/a
TOTAL: TOTAL:
$4,960.00 $3,955.00
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Chapter 4: 30% Whole: Dig Out of Debt
DEBT LIST
NAME OF TOTAL AMT. MIN. INTEREST DUE CLOSING STATUS
DEBT OWED MONTHLY DATE DATE
PAYMENT
DEBT LIST (COMPLETED)
NAME OF TOTAL AMT. MIN. INTEREST DUE CLOSING STATUS
DEBT OWED MONTHLY DATE DATE
PAYMENT
Mortgage $320,000.00 $2,200.00 6.00% 1st 15th Current
Car Note $22,000.00 $300.00 6.00% 28th 30th Current
visa Credit $5,000.00 $60 18.99% 16th 8th 1 month late
Card
Store Card $650.00 $75 24.75% 8th 1st Current
MasterCard $2,000.00 $25 15.00% N/a 5th Delinquent
Student $35,000.00 $150.00 5.50% 5th last day Forbearance
loans of the
(Federal) month
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Chapter 5: 40% Whole: Score High (Credit)
Budgetnista Booster
Netiva Heard, aka the Frugal Creditnista, founder of MNH Financial
Services, financial educator, certified credit counselor, and
licensed real estate broker: www.thefrugalcreditnista.com
Credit Bureau List (the top three and their websites)
Experian: experian.com
TransUnion: transunion.com
Equifax: equifax.com
Chapter 6: 50% Whole: Learn to Earn (Increase Your Income)
Budgetnista Booster
Sandy Smith, personal finance expert and small business strategist:
www.iamsandysmith.com
Chapter 7: 60% Whole: Invest Like an Insider
(Retirement and Wealth)
Budgetnista Boosters
INVESTING- RETIREMENT:
Kevin l. Matthews II, founder of Building Bread, financial planner
and author: www.buildingbread.com
INVESTING-WEALTH BUILDING:
Courtney Richardson, founder of The Ivy Investor, attorney, former
stockbroker, and investment advisor: www.theivyinvestor.com
Chapter 8: 70% Whole: Get Good with Insurance
Budgetnista Booster
anjali Jariwala, founder of FIT advisors, certified public accountant
(CPa), and certified financial planner (CFP): www.FITadvisors.com
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Chapter 9: 80% Whole: Grow Richish
(Increase Your Net Worth)
NET WORTH WORKSHEET
Complete each category by entering a value for assets and subtracting any
liabilities. The difference will be your net worth.
aSSETS valUE lIaBIlITIES BalaNCE
PERSONal POSSESIONS DEBTS
SavINGS & INvESTMENTS TOTAL LIABILITIES =
TOTal aSSESTS
TOTal lIaBIlITIES –
TOTAL NET WORTH =
RETIREMENT SavINGS
TOTal aSSESTS =
Chapter 10: 90% Whole: Pick Your Money Team
(Financial Professionals)
My So-Called Financial Life Template
Use this template to create your own and share it with potential certified
financial planners before interviewing them.
WHAT I’M LOOKING FOR:
Example: I want to use my money to match my values and to
fund a great life. I’d like to pay (hourly or annually) for advice on
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how to best do so. I want help creating a retirement plan and a
plan to pay for college and to support my special needs child
when I’m no longer here.
CURRENT (FINANCIAL) SITUATION:
age, marital status, children
Employment
Homeownership? Renting?
Cars? What’s owed?
Debt: Student loans, credit cards. Balances? Current status?
Current? Behind?
Credit scores:
Retirement accounts: a pension? IRa? 401(k)? Roth? How much?
are there any loans withdrawn? What companies manage them?
Individual stocks? How much do you have invested? What plat-
form are you using?
Other investments: Real estate? Other investment accounts?
value?
Insurance: Do you have disability, pet, renter’s, life, health, term,
whole life, etc.? How much? With which companies? Does your
job offer health/disability/life insurance? How much? Does your
spouse or child have insurance? How much?
What is your and your family’s cost to maintain a month?
How much was your adjusted gross household income for last
year? (check tax return)
I currently have [insert amount] in savings.
I would say I: am fairly frugal? Spend too much? Moderate?
any business? list any gross business income from last year.
What kind of business? llC? S corp? C corp? Do you have a
business partner? What percentage do you own?
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CURRENT FINANCIAL GOALS:
Examples:
1. I want to achieve financial wholeness within the next ten
years.
Debt freedom
Passively earning $75k to $100k per year (dividends and real
estate)
Owning at least one apartment building of eight to twenty units
Tax management plan
Frequent travel
Philanthropy
a comprehensive estate plan
a will
Trust(s)
Healthcare directives
Power-of-attorney appointees
Identified beneficiaries
Insurances (life, disability, etc.)
Funeral/Final arrangement plan
Business succession plan
Document storage
2. I want a retirement account I can eventually manage myself.
Target date fund? Index funds? What should my allocations
look like?
3. I want to invest for wealth, too. What does that look like?
4. I want to protect my wealth. What types of insurances do I
need?
5. I want to invest in real estate.
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6. I need updated disability and life insurance.
7. I need a long-term healthcare plan for when I’m older.
8. I currently set aside funds for my daughter, nieces, and neph-
ews in individual savings accounts. We’d like to be more stra-
tegic with those savings.
9. I want to offer my employees benefits. Retirement, health
benefits, disability, maternity leave, vacation, etc.
10. I want someone to work in conjunction with my CFO and ac-
countant to ensure I have a tax plan that best suits my family
and my businesses.
11. I’d like to keep money on hand to purchase real estate.
12. I want to have an organized system so that I can easily have
access to important docs and accounts.
13. I want to work with someone to create a strategic financial
plan that we can monitor and adjust as our finances and life
changes.
14. I’d like someone to review my current company benefits.
QUESTIONS:
Examples:
Do you do working meetings? Example: Having me do a
screenshare where together we rebalance my asset alloca-
tions in my online brokerage account.
What is your fee structure? are you open to an hourly rate?
What’s your financial philosophy?
Who is your ideal client (i.e., teachers, doctors, women, etc.)?
CONCEPTS I’D LIKE TO LEARN MORE ABOUT:
Examples:
Investing in stocks.
The FIRE movement (Financial Independence, Retire Early).
lowering my tax burden.
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Chapter 11: 100% Whole: Leave a Legacy (Estate Planning)
Budgetnista Booster
Toni Moore, attorney and business strategist with over twenty years of
business structuring, real estate, asset protection, and estate planning
experience: www.moorelegallaw.com
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