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Shirria Mac LCSW
США
Добавлен 28 мар 2009
Hello!
Welcome to my channel! Here I am sharing my entrepreneurship, debt freedom journey, and life upgrade journeys. My name is Shirria Mac and I'm a 40 year old mother and wife. I have a depressing amount of debt that includes massive student loans, and I recently went into entrepreneurship as a Licensed Clinical Social Worker in private practice. I'm here to document my journeys, and share it with you in hope to inspire you to upgrade your life in whatever way you feel is necessary.
Welcome to my channel! Here I am sharing my entrepreneurship, debt freedom journey, and life upgrade journeys. My name is Shirria Mac and I'm a 40 year old mother and wife. I have a depressing amount of debt that includes massive student loans, and I recently went into entrepreneurship as a Licensed Clinical Social Worker in private practice. I'm here to document my journeys, and share it with you in hope to inspire you to upgrade your life in whatever way you feel is necessary.
Budget With Me Budget by Paycheck August Week 1
Budget With me Budget By Paycheck August Week 1
🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into Budget By Paycheck August Week 1! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effectively and achieve financial success.
💼 Budgeting Session Highlights:
💰 1. Setting Financial Priorities: Start by identifying your financial priorities and goals for the month. Whether it's paying off debt, saving for a vacation, or building an emergency fund, clarifying your objectives will guide your budg...
🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into Budget By Paycheck August Week 1! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effectively and achieve financial success.
💼 Budgeting Session Highlights:
💰 1. Setting Financial Priorities: Start by identifying your financial priorities and goals for the month. Whether it's paying off debt, saving for a vacation, or building an emergency fund, clarifying your objectives will guide your budg...
Просмотров: 55
Видео
July Monthly Budget Close Out
Просмотров 6316 часов назад
🌟 It's time to wrap up July and take stock of our financial journey with the July Monthly Budget Closeout! Join us for a reflective and insightful video as we review our budgeting progress for the past month, celebrate wins, and set new goals for August . From budget breakdowns to lessons learned, this video offers valuable real-life insights and practical tips to help you stay on track with yo...
Transfer Tuesday with Shirria Mac, August 6, 2024
Просмотров 63День назад
Transfer Tuesday with Shirria Mac 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into our monetary transfers of our debt free journey! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effective...
July Transfer Tuesday Total
Просмотров 8114 дней назад
Transfer Tuesday with Shirria Mac 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into our monetary transfers of our debt free journey! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effective...
Transfer Tuesday with Shirria Mac July 22, 2024
Просмотров 10621 день назад
Transfer Tuesday with Shirria Mac 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into our monetary transfers of our debt free journey! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effective...
Budget With Me Budget by Paycheck July Week 2
Просмотров 115Месяц назад
Budget With me Budget By Paycheck July Week 2 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into Budget By Paycheck July Week 1! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effectively an...
Transfer Tuesday with Shirria Mac July 16, 2024
Просмотров 46Месяц назад
Transfer Tuesday with Shirria Mac 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into our monetary transfers of our debt free journey! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effective...
June 2024 Debt Confession Update
Просмотров 198Месяц назад
June 2024 Debt Confession Update 🌟 It's time for an honest and transparent update on our June 2024 Debt Confession journey! Join us for a heartfelt and insightful video as we share our latest progress, challenges, and victories on the path to debt freedom. From confronting financial obstacles to making strides towards our debt repayment goals, this video offers valuable real-life insights and p...
Budget With Me Budget by Paycheck July Week 1
Просмотров 63Месяц назад
Budget With me Budget By Paycheck July Week 1 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into Budget By Paycheck July Week 1! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effectively an...
Transfer Tuesday with Shirria Mac July 9, 2024
Просмотров 73Месяц назад
Transfer Tuesday with Shirria Mac 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into our monetary transfers of our debt free journey! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effective...
Net Worth Update: Journey to $500,000
Просмотров 167Месяц назад
Net Worth Update: Journey to $500,000 Net worth is defined at the total number of assets ( things of cash value) minus liabilities )things that cost you money). We started our FIRE journey in October 2023 with $305,884 of debt and have a goal to have it paid off (including primary mortgage) by 12/31/2026. To then build wealth, become millionaires, and be work optional by age 50 which is in 9 ye...
July 2024 Monthly Budget with Shirria Mac
Просмотров 99Месяц назад
July 2024 Monthly Budget with Shirria Mac Hello Budgeting Family and Friends! I am sharing my July 2024 monthly budget with you guys. If you are not aware, we are budgeting to get out of $305,884 of debt and one key component is monthly budgets, weekly budgets, and debt updates. 🌟 Start your budget off on the right financial foot with July 2024 Monthly Budget With Shirria Mac! Join Shirria Mac ...
Transfer Tuesday with Shirria Mac July 2, 2024
Просмотров 48Месяц назад
Transfer Tuesday with Shirria Mac 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into our monetary transfers of our debt free journey! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effective...
June Monthly Budget Close Out
Просмотров 116Месяц назад
🌟 It's time to wrap up March and take stock of our financial journey with the June Monthly Budget Closeout! Join us for a reflective and insightful video as we review our budgeting progress for the past month, celebrate wins, and set new goals for July. From budget breakdowns to lessons learned, this video offers valuable real-life insights and practical tips to help you stay on track with your...
Weekly Budget with Me Close-out
Просмотров 62Месяц назад
Budget With me Budget By Paycheck June Week 3 🌟 Ready to take control of your finances and crush your money goals in 2024? Join us for a budgeting session as we dive into Budget By Paycheck June Week 1! In this motivating video, we'll walk you through the process of budgeting your income by paycheck, offering practical tips, insights, and inspiration to help you manage your money effectively an...
Budget With Me Budget by Paycheck June Week 4
Просмотров 95Месяц назад
Budget With Me Budget by Paycheck June Week 4
Budget With Me Budget by Paycheck June Week 3
Просмотров 89Месяц назад
Budget With Me Budget by Paycheck June Week 3
Transfer Tuesday with Shirria Mac June 25, 2024
Просмотров 78Месяц назад
Transfer Tuesday with Shirria Mac June 25, 2024
Budget With Me Budget by Paycheck June Week 2
Просмотров 60Месяц назад
Budget With Me Budget by Paycheck June Week 2
May 2024 Therapist In Private Practice Income Report
Просмотров 123Месяц назад
May 2024 Therapist In Private Practice Income Report
Budget With Me Budget by Paycheck June Week 1
Просмотров 85Месяц назад
Budget With Me Budget by Paycheck June Week 1
Transfer Tuesday with Shirria Mac June 18, 2024
Просмотров 802 месяца назад
Transfer Tuesday with Shirria Mac June 18, 2024
June 2024 Monthly Budget with Shirria Mac
Просмотров 1552 месяца назад
June 2024 Monthly Budget with Shirria Mac
Transfer Tuesday with Shirria Mac June 4, 2024
Просмотров 562 месяца назад
Transfer Tuesday with Shirria Mac June 4, 2024
Budget With me Budget By Paycheck May Week 5
Просмотров 762 месяца назад
Budget With me Budget By Paycheck May Week 5
Budget With Me Budget by Paycheck May Week 4
Просмотров 422 месяца назад
Budget With Me Budget by Paycheck May Week 4
Budget With me Budget By Paycheck May Week 3
Просмотров 582 месяца назад
Budget With me Budget By Paycheck May Week 3
Budget With me Budget By Paycheck May Week 2
Просмотров 792 месяца назад
Budget With me Budget By Paycheck May Week 2
I really like your videos 😊 Question- what's savings for 808?
Savings for 808 is savings for our investment property. “808” is the address😂
@@WealthySocialWorker82 ok gotcha 😁
Here catching up! 🌷💗🌸
Thank you for the support!
Shirria, getting a lower interest rate for your vehicle loan will greatly help your payoff goal!🎉
Yes, I am so grateful!!
Not giving up vacation for a time period suggests you will stay in debt.
We pay for our vacations cash because we have a vacation sinking fund. We have NEVER gone into debt for a vacation
5k/wk? Or month?
At that time it was a month. I now share income reports for the money I make in my private practice. I also share the money I make on my TikTok. www.tiktok.com/@shirria.mccullough?_t=8oe5AZDahkE&_r=1
Making steady progress!
GM again loving your content and yall are smashing 5hat debt!! Love ❤it keep going!!
Loving your content please keep posting and motivating us all!! Love ❤️ it!!
The actual amounts should automatically update for you as you enter in payments on your log. You should only enter in information in the yellow fields. So what you will probably need to do to correct it just make you another copy of the spreadsheet from your original download of the spreadsheet. But don't quote me on it for sure. Odette may have another way for you to update it! Check with her she is very willing to help out where she can!! ... love her products 😍 here spreadsheets have truly been a life savor and has opened my eyes to better budgeting!!!
The last one sounds more feasible...where u can still provide for yourself, still pay your business expenses, and still have some left to put in your business savings.
Congrats!!! You got this!!
Congratulations on the part time job! I know it will be a great boost to your debt free journey.
Hii Shirria!!! Thanks for sharing. Great video!!! I want to payoff my Acura MDX by the end of the year too! I’m at $20,118.90!!! I’m writing a plan and looking for a part time job too to add to my FT income.
That's my goal too! I have an Acura MDX as well! I'm at 19K now! We got this!!!
I'm so proud of you. As someone who struggles with mental health, what you're doing is so important. Here's your flowers 🌹🌹🌹🌹🌷🌷🌷🌷🌷
Good Morning, awesome video. You guys are doing very well tackling that debt.
Hi! Looking forward to following your debt payoff journey. I hope you reach the 🌙 😁.
oh this is good. you guys are making so much progress!! 🤎
Shirria good use of your bonus and your husband's side hustle funds!
Good Morning. Happy Friday, hope you have a wonderful weekend.
love this networth update. now that M1 Finance is charging a fee for portfolio balances under $10k will you still keep it open? you are on pace for reaching$500k. You guys will be millionaires so soon!
I’m planning on switching to Fidelity soon, so I’ll be keeping my account until yhen
You’re definitely on track to reach your goals! It would be helpful if you displayed the numbers on the screen while discussing as it can be difficult for visual folks to follow along. Great video!
Noted!
What do you mean when you say that you have a $0 balance on X credit card, but are still paying minimum payments?
I keep the minimum payments listed to keep up with the snowball amount since I do weekly budgets…I hope I explained that well.
Good Morning. Happy 4th of July! Great run down.
Happy 4th to you!!!! Thank you!
Great job with that extra principal payment!!
Thank you!
If I were you I would definitely raise the income as much as possible (while of course not going in any debt with your business), thus prioritizing your personal debt free journey. I think that you already have a lot on your table without adding the pressure of training another person, but of course if you feel like you can manage that as well then saving 8 months of income + increasing yours accordingly would also be great! Also let me tell you, you work so hard that you inspire me every time I check in with your videos! Keep up the great work!
Thank you so much for your kind words. I really appreciate it. I agree that I already have a lot going on and in retrospect, taking on more task, is more of me being in my own way than not, in the long run! So, I’ve decided to take the advice offered in the comments, increase my income, pay down debt (maybe not even take another job) placing most of my energy into letting content creation become monetized.
Hello, what spreadsheet or program are you using to track your budget? Can this be used to track business expenses as well?
Hello Kimberly! I got it from an Etsy store, I believe is linked in the description. I believe she also has a business option as well but I think it could be functional for a business budget!
Raise it to 75k-80k
Thank you so much for this input it so helpful!
Shirria raise your salary to 75k starting in August. I agree with saving 8 months of salary for your possible new hire. You have an excellent business plan!
Thank you so much for this input! It is very helpful!
Happy Friday.
🤗
Keep going Shirria. Your consistency will make great strides!
That is what I am hoping on!
Great job crushing your goals to make your principal payment to your Honda Pilot! 🎉
Thank you!! 😁
Hey girl hey 👋 Awesome budget video ☺️
Hey! Thank you so much! Hope all is well!!
I always love your breakdown with your income!
Thank you so much!
Shirria, I am amazed at your entrepreneurial spirit. It will provide for your debt free journey and beyond. I look forward to following along your amazing journey.
Thank you so much! I can be difficult at times, but I have faith that it will pay off as long as I follow God’s will!
Would you consider uploading your Tik Toks on RUclips as shorts (making part 1, part 2 etc of the same one in order to get them under 90 seconds) or as short videos? So that people like me that just have RUclips can still enjoy that content:) Secondly, do you think it would be realistic to get out of 6 figures debt with a 2500 monthly income (considering what you said about wanting to hire someone else) with the added risk of possibly not being able to scale the business to get your original income back after a "buffer period"? I applaude your entrepeneur spirit and your courage about it, and evidently being an entrepeneur is not my job ahah so I could definitely be wrong, but I think that maybe in this case you could benefit in your full debt free journey and in your overall mental peace from your current income which is amazing! Since your business is doing well you could maybe even think about increasing it in order to follow that goal of being debt free by december 2026. By all means do what you reckon most healthy for your business now and long term, but maybe holding off that income decrease until you're debt free could possibly help expedite this current journey Good luck and, again, amazing work!
Hello! I had not considered uploading in parts. Thank you very much for the suggestion. I may have misspoke, or you misunderstood. I would live comfortably on $2500 monthly AFTER I decrease my debts. It is true that it would be EVEN more difficult to reach our goal should I decrease it anymore, as we are on the same page about that. Thank you so much for your kind words and for watching!
@@WealthySocialWorker82 Thanks to you for the response! Yeah I must have misunderstood since I got the impression that you would start decreasing the income immediately after paying off the car debt, which would leave still a 6 figures remaining debt to pay off. Looking forward for the next videos, and again good work with everything!!
Hi Shrirria! I might be missing it. What is your debt balance overall?
Hello! I started at $305,884 currently sitting at $278,481
@@WealthySocialWorker82 That's awesome! Keep up the good work! You will achieve your goal as long as you don't quit!!!
Thank you so much! I plan to keep going!
🤞🏾🙏🏾
Going on two vacations a year while trying to get out of consumer debt? I suggest a short term sacrifice for a long term success. But good luck!
Thank you for the suggestion. Personal finance is personal!
Making money moves! 💗🌸🎉
I am trying!
Love your videos they really are motivating me to get my finances together and pay off debt
Thank you so much! Best of wishes on getting your finances together, you can do it!
Focusing on getting out of debt can be tiresome at times. Maybe giving a quarterly update on your investment account could provide a nice distraction for you.
It does become monotonous! I will absolutely consider this!
I enjoy your videos and thank you for your transparency!!
Thanks for watching!
Happy Sunday ❤ Listening while working 🤗🌹
Thank you so much for the support!
Shirria, you are doing great.
Thank you, it does not always feel that way!
Great job putting so much more toward debt! 🧡🧡
Thank you!
Great that your income was more than expected! And it's so easy to go overbudget in the gas category! Great budgeting!💛
Thank you! I am seeing a pattern of being over budget in gas, grocery, and miscellaneous. I need to practice more discipline!
I also cannot believe that it is almost June already 😂
I was flabbergasted😂!
I'd like to respectfully suggest that you consider giving your daughter a lump sum in cash each month rather than letting her use your credit card... I know that family stuff is complicated. But I feel like I see a pattern in your posts (which I've been watching for a while now) where that exact amount that she may or may not have spent is unclear and I just feel like it might be derailing your progress more than you realize. Again, a respectful suggestion because I've been in similar situation before and just doing the cash sum made a huge difference. Best of luck as always, Shirria
Thank you for your suggestion. She does not have a “budget” Per say to spend on the Amex. As much as we wish we could trust her with the lump sum of cash throughout the month, WE CANT😅. It is easier to monitor her transactions via the card and freeze the card. It doesn’t necessarily make the best of sense but it works for her. I’m working on her becoming more responsible with money
Hi! Your journey is inspiring. Are you familiar with Dr. Watkins and his Wife Dr. Alicia. She is also a LCSW and they can probaby assist with accelerating you on your journey.
Hi! I have not heard of them but am interested in knowing more. Are they on RUclips?
Great video. Wishing you much growth and for your goals to become reality! 💗🌸🎉
Thank you so much!!