Alli Williams

Score (What’s this?)

Perlu Network score measures the extent of a member’s network on Perlu based on their connections, Packs, and Collab activity.

View our support article for more information.

Pulse (What’s this?)

Perlu Pulse score measures how active a member is on Perlu, on a scale of 0 to 100.

View our support article for more information.

💵Sharing my financial journey & helping you start yours 👩🏽‍💻Author, Blogger, and Money Coach 💰Paying off $154k of debt as a newlywed 📍Upstate SC

Location SC
Member Since OCTOBER 09, 2019
Social Audience 19K
  • Moz DA 26
financiallifocused 19K Last Month Last 3 Months
  • Posts 13 34
  • Engagement Rate 0.4% 0.6%
  • Sponsored Posts N/A N/A
  • Sponsored Engagement Rate N/A N/A
  • Avg Likes 74 116
  • Avg Comments 3 8
  • Books and Literature
  • Careers
  • Career Advice
  • Family and Relationships
  • Personal Finance
  • Financial Planning
  • Personal Debt
  • Shopping
  • Travel Preparation
  • Traveling

I’ve been wanting to say this for a while. ⁣⁣ ⁣⁣ There are many issues with this:⁣⁣ 1. It’s a debt (no interest but you owe someone)⁣⁣ 2. You’re risking spiraling out of control and becoming reliant on these services⁣⁣ 3. Your budget clearly isn’t working if you need to use these services⁣⁣ ⁣⁣ Maybe you’re thinking “but Alli, I use these all the time and it’s never an issue”.⁣⁣ ⁣⁣ It might not be now but what if an unexpected medical bill comes up? Repair bill? You lose your job?⁣⁣ ⁣⁣ Can you still afford all of these afterpay/sezzle payments? ⁣⁣ ⁣⁣ Now if you use them, this isn’t to judge or shame (that isn’t my thing) but to make you aware of the risks and help you find a solution.⁣⁣ ⁣⁣ As a mom, I see this ALL the time in FB groups for baby clothes (IYKYK). Women spending $500 on baby clothes and splitting up the payments because they know they can’t afford the $500 right now and “what’s the harm?!”⁣⁣ ⁣⁣ I want what’s best for you. I want you to save and purchase what you want. I don’t believe in deprivation but these services aren’t fixing the actual problem.⁣⁣ ⁣⁣ Let me know your thoughts👇🏽 #budgetingtips #moneytipsforwomen #moneymanagement #moneymindset #moneymotivation

Managing money with ADHD might be a little more difficult but definitely isn’t impossible. Traditional advice might be harder to implement but here are some tips to help you successfully manage your money so you can still reach your big money goals.⁣ ⁣ You might have struggled with:⁣ 💵Keeping track of bank balances or expenses⁣ 💵Organizing checks, bills, and important tax papers⁣ 💵Late payments and large credit card balances⁣ 💵Procrastinating on paying bills or organizing files⁣ 💵Saving for future needs or wants⁣ ⁣ Check out the blog to read the full article with tips on how to manage your money with ADHD. I’ll share the link in my stories. #adhdsupport #moneymanagement #moneytips #moneytipsforwomen #budgetingtips

You have to first create a realistic financial plan so that you can do all of those things you’ve been dreaming about.⁣ ⁣ And if you already have that great. You’re on your way.⁣ ⁣ But if you need help creating that plan, want someone to dream with you, and would love to see results faster..Flourish FinanciALLI is the program for you.⁣ ⁣ Together we will make sure you have all the strategies and systems necessary for you to truly live your financial dream life.⁣ ⁣ Head over to @flourishfinancialli to learn more about my Black Friday offer (or send me a DM and I’ll send it to you)⁣ ⁣ #moneytips #budgetinghacks #budgethelp #debtfreejourney #moneymindset

It’s completely free to check your credit reports. ⁣ ⁣ Make sure to visit⁣ ⁣ Have you reviewed yours recently? ⁣ ⁣ Make sure to follow so you don’t miss part 4 and check out parts 1 & 2 if you missed those!⁣ ⁣ #budgetinghacks #creditscore #moneytips #debtfreejourney

Money & Marriage is available now! The 50% discount ends today (use code FIFTY)! ⁣ We’ve had our ups and downs. Our first 3 years of marriage have been way more hectic than I planned 😂⁣ ⁣ But we wouldn’t have been able to accomplish everything we have if we weren’t on the same page. ⁣ ⁣ If we didn’t create a realistic plan we could both stick to. ⁣ If we weren’t open and honest about our struggles, numbers, and feelings. ⁣ ⁣ If we didn’t make money conversational⁣. ⁣ If you’re struggling to get on the same page with your finances, my new course Money & Marriage is for you ❤️ #moneyandmarriage #marriageadvice #moneytipsforcouples #budgethelp #moneymindset

Things that helped us get on the same page:⁣ 💵 Being clear on how we would handle debt, savings, and budgeting ⁣ 💵 Talking about money often and not being so formal with our check-ins⁣ 💵 Sharing all of our numbers⁣ 💵 Never using our money pasts against each other. ⁣ ⁣ Need help getting on the same page? Money & Marriage (my new self-paced course) opens TOMORROW and there will be a 50% discount so don’t miss it☺️⁣ #marriagetips #budgetingtips #moneyandmarriage #newlywedlife #moneytipsforcouples #moneytips

Talking about money isn’t always easy (let’s be honest, it’s usually not) but the earlier you do it the better.⁣ ⁣ My NEW course, Money & Marriage, launches next Tuesday 11/8.⁣ ⁣ This 4-week self-paced course will help you get on the same page financially whether you’re dating, engaged, or married. ⁣ ⁣ Make sure you’re notifications are on or you’re on my email list so you don’t miss the launch discount 😉 ⁣ ⁣ #marriagetips #financialgoals #budgetingtips #marriagegoals #debtfreecommunity #moneymindset

Let’s talk about Roth IRAs.⁣⁣ ⁣⁣ Opening an account will take you about 5 minutes!⁣ ⁣⁣ Okay so why do I love Roth IRAs so much?⁣⁣ 1️⃣ Tax Free Retirement Income: you put in after tax dollars now and when you take the money out later it’s tax free!⁣⁣ ⁣⁣ 2️⃣ Access To Your Contributions: You can withdraw your contributions if needed. Of course I don’t think you should do this but in an emergency situation it’s an option.⁣⁣ ⁣⁣ 3️⃣ No Required Minimum Distributions: some accounts require you to make withdrawals starting at 72 and that’s not the case for Roth IRAs. You can leave the money as long as you want.⁣⁣ ⁣⁣ 4️⃣ Tax-Free Income for Beneficiaries: an inherited Roth IRA is an amazing tool ⁣⁣ ⁣⁣ Yes there are income limits and you can only contribute $6000/year (2022) or $6500/year (2023).⁣ If you’re over 50 and you can contribute $7000/year (2022) or $7500/year (2023)⁣ ⁣⁣ BUT if you’re a high earner there is an back door Roth.⁣⁣ ⁣⁣ Even if you can’t contribute a lot monthly, just start with $25-$50/mo. I started with $50/mo when I opened my Roth a few years ago because that’s all I could do at the time.⁣⁣ ⁣ What questions do you have about Roth IRAs? I’ll answer them in the comments! 👇🏽⁣ ⁣ #moneymoves #moneytips #financialgoals #rothira

👉🏽Share this reel with a friend ⁣👈🏽 ⁣ If you’re planning on going, here are some things to do so you don’t go into debt:⁣ ⁣ 1. Review your November budget: do you have room for the tickets in your budget?⁣ 2. Review your sinking funds: Do you have a sinking fund that can cover the tickets (or at least most of the tickets)?⁣ 3. Make some money quick: set a goal, sell stuff in your house, get to work you only have a few weeks!⁣ 4. Set a ticket budget: Based on tips 1-3 what’s the max you can spend on a ticket? Know this number BEFORE they go on sale and stick to it.⁣ 5. Discuss your budget with your friends before: Say something like “hey I definitely want to try to get tickets but the max I can spend is $X”⁣ ⁣ Are you going to try to get tickets? Which location? 👇🏽⁣ ⁣ #taylorswift #taylorswiftconcert #moneytips #budgetinghacks ⁣

5 Ways to Budget With an Irregular Income > financiALLI focused

not sure how much money you’re going to be bringing in month-to-month and figuring out your spending and money goals overwhelms you. Once you have established what you need to save for your one month initial emergency fund, create a budget using an average baseline of income. That’s why, in addition to a minimum one month emergency fund, you need to get one month ahead on expenses. Once you have your minimum one month emergency fund set up and you’re working off of a baseline budget, use the leftover money from your budget, or any excess money that exceeded your baseline budget, and use that money as a buffer in your checking account.

3 Steps to Get Back on Track If You Go Over Budget > financiALLI focused

Figure out what went wrong The first and most important step to getting back on track if you go over budget is figuring out what exactly went wrong. If you haven’t done so already, track a month of expenses to get your actual numbers — not just your ideal budget numbers. It means that when you sit down at the end of the month to create the budget for the next month, it doesn’t mean that what you write is set in stone. For example: If you overspent in your grocery budget by $200 and you have a “Personal Care” budget that has $200 in it, move that $200 to the grocery fund so that you are no long “over budget” in that area.

5 Ways to Reduce Impulse Spending > financiALLI focused

Here are 5 ways you can reduce impulse spending today: One of the major reasons that budgets, or spending plans fail, is because they are too restrictive. You also have the option to put these emails in a “roundup email” that way instead of getting 50 sale emails a day, you only receive one. Much like unsubscribing from retailer emails, this tip to reduce impulse spending is about putting barriers up for yourself. Time is the ultimate victor against impulse spending, but it takes time to train your brain to think like instead of favoring a quick endorphin release with a new purchase.

Why You Need to Set Specific Savings Goals > financiALLI focused

If you have: $2,000 emergency fund $2,000 house down payment $500 repair fund $500 annual car insurance Do you really need that $100 if it will be coming from your emergency fund? The Ally buckets feature allows you to allocate money to specific goals within one account which is why I love Ally. but you can’t keep pulling from your savings account if you want to get ahead financially and actually reach your goals.

Join Perlu And Let the Influencers Come to You!