Hey guys! Welcome to my page. For starters, I’m Mina Knows the creator of JTML Associates. It’s a millennial focused platform working to educate others on how to create their ideal life. I started this idea 4 years ago and have been living my motto ever since.
I’m a big fan of speaking from experience. During my years of research, I have found one thing in common, which is people are searching for answer but don’t understand exactly were to begin.
There is a big challenge in life due to the fact that you can have more than you got, but you have to be willing to make the steps to get it. This is what keeps people from attaining ultimate wealth. Life also can be negative, but that is based on your attitude. So you must learn to listen, be wise and how to be careful.
For things to change for you, you will need to change. If not you will be stuck remaining the same. Recognize wishing for change, is different from making it happen. …
There is one thing for sure the millennials have figured out, that is the power of now.
Today is better than tomorrow and yesterday. We have built our lives into understanding this. We have also decided as a whole, that we are no longer waiting for an opportunity. Instead, we are learning how to create it and doing it now.
With this, comes many choices on deciding what is relevant and what is sacrificial. These choices can vary from peer to peer, but the advice given here will make those choices worthwhile.
When you can’t afford a tangible item, go…
8. It will not happen overnight.
9. You can get better by having passion mixed with perseverance.
10. Always, do your research….Google should be your best friend.
For those who don’t know, there are many ways of selling gently used or new clothes online. This has always been a thing but with the rise of technology, you don’t really have to leave your house to do so. You’ve heard of Craiglist, eBay, Buffalo Exchange, Plato's Closet and so on.
My experience will speak on Poshmark.
Part 11: Because negotiating really makes a difference
Negotiating is the key to living well. I never understood it until I got into my career. And yet, I’m still learning the power of just doing it.
It helps you achieve things you didn’t imagine you were able to attain. It also helps create leverage to those things you seek for in the future. But, in order to learn about negotiating you must educate yourself on what it is you’re trying to negotiate.
There are several times when these skills will come into play. Therefore, I went ahead and spoke about…
If you have been walking with me during this journey to wealth, you’ve established a budget, created an emergency fund, and created a plan on how you’ll be paying off debt. If you’ve missed it, I’ve linked it here:
Once you’ve completed the tasks that were listed prior to this post, you can start to invest. As a beginner I personally recommend learning to understand the difference between saving and investing.
There is investing which helps multiply your dollar and then there is saving which is just collecting it.
When you need something for an emergency or you are planning…
The best thing in this world is not feeling like you owe anybody anything. Pay off your debt. Simple put. Especially if it’s less than 1k. I have seen some individuals just keep debt revolving because it’s just $50. That $50 becomes $80 real quick. Especially if you get a late fee and then you forget, so now it’s $180. It becomes a ripple effect. Now your credit score is messed up all because you didn’t take it seriously. Pay your bills on time and in full. …
In part 7 of this personal development series, I mentioned that it is recommended to save 20% of your income. I will break down the importance of doing so in this article. Our era is different from that of our parents. We don’t have to work forever, but for some reason this is televised often. If you missed it, no worries I added the article here for you to check it out yourself.
Retiring by the age of 65 blah, blah, blah, is so outdated. I don’t know about you, but I do not plan on having to work until…
The 50/30/20 method is not difficult, yet some have made it seem this way. In simple terms, it just means that you want to ensure that you live within your means by categorizing your spending into buckets. Let’s break it down.
According to many financial studies, it is recommended that 50% of your income is spent on living expense. This consist of rent, utilities, phone bill, food and other things needed for survival.
30% should be dedicated to things you don’t need but want. This is known as the lifestyle expense (beauty, cable, bars, shopping, that Starbucks coffee you enjoy…