Tate | Personal Finance
@paycheckdoneright.bsky.social
I used to suck at money
Now I share the lessons I learned the hard way
Not financial advice
https://stan.store/paycheckdoneright
Now I share the lessons I learned the hard way
Not financial advice
https://stan.store/paycheckdoneright
Budgeting didn’t make me rich, but it gave me stability and peace of mind.
If you’re tired of feeling stuck and want control over your money, this budgeting template can help you build the same habits 👇 paycheckdoneright.com/budget-templ...
If you’re tired of feeling stuck and want control over your money, this budgeting template can help you build the same habits 👇 paycheckdoneright.com/budget-templ...
The Ultimate Budgeting Template (5k+ Downloads) by @paycheckdoneright | Stan
Even millionaires track every dollar 💵 start budgeting, saving and invest in your dreams.
paycheckdoneright.com
February 10, 2026 at 4:01 PM
Budgeting didn’t make me rich, but it gave me stability and peace of mind.
If you’re tired of feeling stuck and want control over your money, this budgeting template can help you build the same habits 👇 paycheckdoneright.com/budget-templ...
If you’re tired of feeling stuck and want control over your money, this budgeting template can help you build the same habits 👇 paycheckdoneright.com/budget-templ...
Everything changed when I finally started budgeting monthly. I stopped guessing and started seeing the numbers clearly.
I went from living paycheck to paycheck to feeling in control. In the very first month alone, I managed to save $250—something I thought was impossible before.
I went from living paycheck to paycheck to feeling in control. In the very first month alone, I managed to save $250—something I thought was impossible before.
February 10, 2026 at 4:01 PM
Everything changed when I finally started budgeting monthly. I stopped guessing and started seeing the numbers clearly.
I went from living paycheck to paycheck to feeling in control. In the very first month alone, I managed to save $250—something I thought was impossible before.
I went from living paycheck to paycheck to feeling in control. In the very first month alone, I managed to save $250—something I thought was impossible before.
Want to manage your money like high earners do? This all-in-one template is for you.
It helped me see my money clearly, make smarter decisions, and grow faster financially.
5k+ people worldwide are already using it to improve their finances in 2026. 👇 paycheckdoneright.com/budget-templ...
It helped me see my money clearly, make smarter decisions, and grow faster financially.
5k+ people worldwide are already using it to improve their finances in 2026. 👇 paycheckdoneright.com/budget-templ...
The Ultimate Budgeting Template (5k+ Downloads) by @paycheckdoneright | Stan
Even millionaires track every dollar 💵 start budgeting, saving and invest in your dreams.
paycheckdoneright.com
February 10, 2026 at 2:00 PM
Want to manage your money like high earners do? This all-in-one template is for you.
It helped me see my money clearly, make smarter decisions, and grow faster financially.
5k+ people worldwide are already using it to improve their finances in 2026. 👇 paycheckdoneright.com/budget-templ...
It helped me see my money clearly, make smarter decisions, and grow faster financially.
5k+ people worldwide are already using it to improve their finances in 2026. 👇 paycheckdoneright.com/budget-templ...
1. Automate a weekly transfer to savings—when you don’t see it, you won’t spend it.
2. Cut one regular expense—skip that extra coffee or takeout and reroute the cash.
3. Sell stuff you don’t use—your old clutter might be someone else’s treasure (and your savings boost!).
2. Cut one regular expense—skip that extra coffee or takeout and reroute the cash.
3. Sell stuff you don’t use—your old clutter might be someone else’s treasure (and your savings boost!).
February 10, 2026 at 2:00 PM
1. Automate a weekly transfer to savings—when you don’t see it, you won’t spend it.
2. Cut one regular expense—skip that extra coffee or takeout and reroute the cash.
3. Sell stuff you don’t use—your old clutter might be someone else’s treasure (and your savings boost!).
2. Cut one regular expense—skip that extra coffee or takeout and reroute the cash.
3. Sell stuff you don’t use—your old clutter might be someone else’s treasure (and your savings boost!).
Loved it!
February 10, 2026 at 2:51 AM
Loved it!
Want to manage your money like high earners do? This all-in-one template is for you.
5k+ people worldwide are already using it to stay consistent and improve their finances in 2026. 👇🏾https://paycheckdoneright.com/budget-template
5k+ people worldwide are already using it to stay consistent and improve their finances in 2026. 👇🏾https://paycheckdoneright.com/budget-template
The Ultimate Budgeting Template (5k+ Downloads) by @paycheckdoneright | Stan
Even millionaires track every dollar 💵 start budgeting, saving and invest in your dreams.
paycheckdoneright.com
February 10, 2026 at 1:51 AM
Want to manage your money like high earners do? This all-in-one template is for you.
5k+ people worldwide are already using it to stay consistent and improve their finances in 2026. 👇🏾https://paycheckdoneright.com/budget-template
5k+ people worldwide are already using it to stay consistent and improve their finances in 2026. 👇🏾https://paycheckdoneright.com/budget-template
5. I keep sharpening my financial knowledge
Whether it’s a podcast, a book, or a YouTube video from a trusted source, I’m always learning and adapting. That way, my financial decisions stay smart as life evolves.
Whether it’s a podcast, a book, or a YouTube video from a trusted source, I’m always learning and adapting. That way, my financial decisions stay smart as life evolves.
February 10, 2026 at 1:51 AM
5. I keep sharpening my financial knowledge
Whether it’s a podcast, a book, or a YouTube video from a trusted source, I’m always learning and adapting. That way, my financial decisions stay smart as life evolves.
Whether it’s a podcast, a book, or a YouTube video from a trusted source, I’m always learning and adapting. That way, my financial decisions stay smart as life evolves.
4. I keep my investing strategy simple
I don’t try to be a market genius. I keep most of my portfolio in ETFs and a small portion in individual stocks — for example, 90% ETFs and 10% stocks. Broad coverage first, small risk second.
I don’t try to be a market genius. I keep most of my portfolio in ETFs and a small portion in individual stocks — for example, 90% ETFs and 10% stocks. Broad coverage first, small risk second.
February 10, 2026 at 1:51 AM
4. I keep my investing strategy simple
I don’t try to be a market genius. I keep most of my portfolio in ETFs and a small portion in individual stocks — for example, 90% ETFs and 10% stocks. Broad coverage first, small risk second.
I don’t try to be a market genius. I keep most of my portfolio in ETFs and a small portion in individual stocks — for example, 90% ETFs and 10% stocks. Broad coverage first, small risk second.
3. I don’t spend right after payday
Fresh money creates fake confidence. I don't shop for at least 7 days after getting paid to avoid impulse buys.
I also set a quarterly shopping allowance, so my wants have a hard ceiling.
Fresh money creates fake confidence. I don't shop for at least 7 days after getting paid to avoid impulse buys.
I also set a quarterly shopping allowance, so my wants have a hard ceiling.
February 10, 2026 at 1:51 AM
3. I don’t spend right after payday
Fresh money creates fake confidence. I don't shop for at least 7 days after getting paid to avoid impulse buys.
I also set a quarterly shopping allowance, so my wants have a hard ceiling.
Fresh money creates fake confidence. I don't shop for at least 7 days after getting paid to avoid impulse buys.
I also set a quarterly shopping allowance, so my wants have a hard ceiling.
2. I use a clear money split every month
I follow the 50–20–30 structure:
• 50% goes to needs like rent, transport, and bills.
• 20% goes to wants like shopping and travel.
• 30% goes to investing.
30% is high for some people, but I’m aiming for early retirement, so my plan reflects that.
I follow the 50–20–30 structure:
• 50% goes to needs like rent, transport, and bills.
• 20% goes to wants like shopping and travel.
• 30% goes to investing.
30% is high for some people, but I’m aiming for early retirement, so my plan reflects that.
February 10, 2026 at 1:51 AM
2. I use a clear money split every month
I follow the 50–20–30 structure:
• 50% goes to needs like rent, transport, and bills.
• 20% goes to wants like shopping and travel.
• 30% goes to investing.
30% is high for some people, but I’m aiming for early retirement, so my plan reflects that.
I follow the 50–20–30 structure:
• 50% goes to needs like rent, transport, and bills.
• 20% goes to wants like shopping and travel.
• 30% goes to investing.
30% is high for some people, but I’m aiming for early retirement, so my plan reflects that.
1. If I can’t pay in full, I can’t afford it.
No Buy Now, Pay Later. If the cash isn’t there today, the item doesn't come home with me. Debt for lifestyle is a trap.
No Buy Now, Pay Later. If the cash isn’t there today, the item doesn't come home with me. Debt for lifestyle is a trap.
February 10, 2026 at 1:51 AM
1. If I can’t pay in full, I can’t afford it.
No Buy Now, Pay Later. If the cash isn’t there today, the item doesn't come home with me. Debt for lifestyle is a trap.
No Buy Now, Pay Later. If the cash isn’t there today, the item doesn't come home with me. Debt for lifestyle is a trap.