Shanelle 🌺🌊☀️🌴

883 followers

Follow

Follow

Follow

1/4

44 saved

84

10

1 simple trick to save you money!

Car loan payments are never anyone’s favorite thing! But there is one simple step that can help you with your auto loan payments from a former loan officer ❤️

🙌 PAY YOUR LOAN BI-weekly!!!! 🙌

⭐️ divide your monthly payment by two and set up an auto payment to pull half your car payment ever two weeks!

WHY!???

➡️ Paying bi-weekly on your auto loan actually gives you one extra payment every year! (12 months vs 26 weeks payment!

➡️ I set my auto payment to come out when my paycheck comes in every other week so it doesn’t even feel like I’m paying on my loan!

➡️ interest is accrued on auto loans daily, if you minimize the amount of days between each loan payment you will pay less in interest! (Think of it as you pay interest on 14 days twice, which is 28 days rather than 30 days… saving two days worth of interest accrued each time!

#lemon8cars #buyingacar #carpayment #buyacar #carhacks #shareyourthoughts #smartmoney #moneytips #car #savinghacks

2024/5/6 Edited to

Managing your car loan payments efficiently is crucial for financial health. By opting for bi-weekly payments, you can effectively make 13 payments instead of 12 each year, helping you pay off your loan faster. This strategy not only reduces your overall interest charges but also aligns your payments with your paycheck schedule, making it feel less burdensome. To implement this, calculate half of your monthly payment and set an automatic deduction every two weeks. Because interest on most car loans is calculated daily, paying more frequently means less interest accrues over time. This means you'll lower your total interest paid on the loan and could potentially free up cash flow for other expenses or savings. Additionally, explore the impact of making one extra annual payment, which can significantly shorten your loan term and lead to substantial savings. Financial literacy is key, so consider consulting experts or using online calculators to visualize your potential savings when adopting this payment strategy. Start maximizing your financial potential today with these simple yet effective tips!

Related posts

How to Budget If You’re Bad With Money

If budgeting has never worked for you…it’s probably because you made it too complicated. You don’t need to be perfect, disciplined or “good with money.” You just need a system you’ll actually stick to. Start simple and consistent. Save this post for later and follow for real-life money tips that

3816 likes

A home interior scene featuring a white cabinet with wicker baskets, topped with green plants. Overlay text reads "ADHD FRIENDLY HOME HACKS to Help You Stay Organized," with "lemon8 @itsannabrynn" at the bottom.

A clear glass bowl on a white surface containing keys, a pen, and a small tin. Overlay text describes creating a "Drop-Zone" near the door for everyday items like keys, wallets, bags, and mail to keep essentials in one spot.

A gray woven basket on a kitchen counter containing a plush mushroom, a notebook, and a small flashlight. Overlay text explains the "DOOM Basket" (Didn't Organize, Only Moved) for tossing out-of-place items and sorting weekly.

Simple ADHD Home Hacks for Busy Days 🙌

I know how quickly things can pile up and feel chaotic at home. That’s why I’m sharing these ADHD-friendly home hacks that have helped me keep my space in check without the stress! These tips are simple, effective, and perfect for making everyday life a little more organized. 1. Create a “Drop-

11.7K likes

✨ Transform your Body with a Simple Trick! ✨ 

✨ Transform your Body with a Simple Trick! ✨ No more impossible diets! Scientists have discovered a method to activate fat burning 3X faster, without drastic changes to your routine! ✅ Works while you sleep ✅ Tested and approved ✅ Quickly visible results 🔗 Click on the link in the bio an

2172 likes

The Lazy Way to Save More Money

💰 You don’t need more willpower—you need better money tricks. If saving feels impossible, it’s probably because you’re relying on discipline instead of systems. Life is expensive, temptations are everywhere, and waiting until you “feel like saving” is a losing game. But when you make saving a

2299 likes

A Canva interface displaying a poster with 'EMBRACE YOUR feminine SIDE' and two teddy bears. The elements search bar shows 'set:nAEoE1a8J0c', highlighting Canva keywords for design elements. The screen also shows various design elements on the left panel.

A close-up of the Canva interface showing the search term 'set:nAEoE1a8J0c' in the elements panel. The panel displays various aesthetic soft core stickers like bunnies, bears, flowers, and houses, alongside a poster design with teddy bears.

A close-up of the Canva interface with '@trendify' in the elements search bar. The panel shows bright Y2K aesthetic stickers including cameras, hearts, stars, and rainbows, next to a poster design featuring teddy bears.

canva keywords you need to save 🌸

‧°𐐪♡𐑂°‧₊ More recommendations for keywords to use to find special collections of design elements on Canva! This has been a really useful trick so far when I’m designing content or for assignments, to make sure my design is consistent throughout!v 🌸 set:nAEoE1a8J0c (simple and cute 2D cottage c

3799 likes

Save Money Effortlessly with These 5 Simple Habits

Ever feel like saving money is all about saying ‘no’? It doesn’t have to be. These five habits make saving easier, with small changes that won’t cramp your style. Think of it as smart tweaks you can fit into your day-to-day—no giving up the things you love, just saving in ways that fe

1467 likes

5 Simple Steps to Financial Success 🙂‍↕️🔑

Financial literacy at a beginner level is simply understanding the basics of how to manage your money. This includes knowing how to budget, save, and spend wisely. It also means being aware of how to handle debt, like loans or credit cards, and learning ways to build your savings for future goals.

104 likes

Save money make your own sweet treats

This recipe is super simple. What is your favorite type of danish? #recipe #starbucks #pastry #danish #fruit

5866 likes

Save this to prep next week 🥳

In order for me to stop skipping breakfast, I have to start prepping it 😭. But this literally took me maybe 30 mins MAX, to prep and cook this quiche. The instructions are pretty simple and straightforward, and this will save you time and money while keeping you on track! I have more recipes li

5745 likes

A simple Feng Shui Trick to banish bad luck!

A simple Feng Shui Trick to banish bad luck! #fengshui #fengshuitips #fengshuilifestyle #energy #energyreading #goodluck #fengshuisofia

3200 likes

A beige wallet with a strawberry pattern and fifty-dollar bills, with the text overlay "MUST HAVE MONEY ACCOUNTS" on a background with abstract shapes, introducing a guide to money management.

A beige wallet and fifty-dollar bills illustrating a checking account, where all money lands and daily expenses like groceries, gas, bills, and rent are paid, before transferring budgeted money.

A beige wallet and fifty-dollar bills illustrating emergency funds in a high-yield savings account for unexpected expenses, such as car repairs and medical bills.

Money Goals: 5 Accounts To Organize Your Money✨💸

Ready to take control of your money? Here’s the breakdown: Start with one main checking account where all your income lands, then transfer it out to work smarter, not harder. 💸 Set aside what you need for daily expenses, stash emergency funds in a high-yield savings, save for big goals and f

3056 likes

SAVE MONEY WITH Olive Garden Copy Cat Alfredo

I love finding copy cat recipes to make my favorite meals at home! Here’s one that I love to make and it’s pretty fast and easy clean up! We could spend an average of $60-$70 on average for 4 of us. And by making it at home it’s on average $29 for the 4 of us! Save money and eat at home thi

3013 likes

How to save money each month

✨the easy way✨ 💓Start a Savings Tracker - can be whatever goal you want - make it a long term goal you want to achieve over months - make it cute and aesthetic - print it out or add to your Home Screen/ Lock Screen 💞Start a Monthly Budget Plan - helps you see a visual overview - h

996 likes

Simple laundry hacks every women should know✨

Laundry doesn’t have to be a hassle! 🧺✨ Try these smart, simple hacks to keep your clothes fresh, bright, and long-lasting—without harsh chemicals. Which tip will you try first? #LaundryTips #HomeHacks #StainRemoval #EcoLaundry #FreshClothes #LaundryDay #CleaningHacks #Sustainable

2991 likes

The image shows a wallet with cash, including fifty-dollar bills, on a textured surface. Overlay text reads "3 steps to create A Budget" and "BEGINNER FRIENDLY," introducing a guide to budgeting.

The image displays a wallet with cash and text outlining the first budgeting step: "KNOW YOUR NUMBERS." It advises writing down income, listing expenses, and checking bank statements to track spending.

The image presents a sample monthly budget for a $2,000 income, detailing expenses like rent, groceries, car payments, subscriptions, and other costs, showing $300 remaining. It suggests using tools for tracking.

3 Simple Steps to Build Your Budget ✨💵

Feeling broke and overwhelmed? 💸 Don’t worry, we’ve all been there! Building a budget doesn’t have to be scary or complicated—it’s just a plan for YOUR money 📝✨. In just 3 simple steps, you’ll know exactly where your money’s going, how to save for the things you love 💅🏽💼, and stop feeling like p

571 likes

A hand with manicured nails holds a thick stack of US hundred-dollar bills on a fluffy white surface. Overlay text reads "8 THINGS i STOPPED DOING AND BUYING To manage my finances accurately" with a "SWIPE" indicator.

A stack of US hundred-dollar bills rests on a white quilted blanket next to a silver laptop. Overlay text describes earning free gift cards to reduce spending on necessities.

A stack of US hundred-dollar bills rests on a white quilted blanket next to a silver laptop. Overlay text discusses cutting cable and streaming services to save money monthly.

8 Simple Ways I Cut Spending & Gained Control 💰

LISTEN UP 👂🏽 Becoming financially responsible doesn’t have to be overwhelming. It’s about making small changes that add up over time. By cutting unnecessary expenses like subscriptions you rarely use, or skipping that casual drink out, you can save more than you think. Cooking at home instead of

915 likes

A woman with curly hair smiles at the camera, with text overlay discussing how going toxin-free can save money and reduce stress, promoting a sustainable lifestyle.

A roll of reusable fabric towels with a cherry pattern on a wooden holder. Text explains using these for cleaning and as napkins, saving money compared to disposable paper towels.

A bar of solid dish soap and a bamboo dish scrubber are shown next to a sink. Text highlights switching from liquid to bar soap to reduce plastic waste, toxins, and save money.

Toxin Free Swaps That Will Save You Money

These are swaps I have made and end up saving me money each month. When being conscious of what you consume and are exposed to, the first thing you might notice is products can be more costly. Switch product out one by one, and do your research on each one so you know what you are buying and can ma

65 likes

Simple Ways I Make Extra Money & Save

I have tried several side hustles - from survey’s, to digital content, to operating my own vending machines and this seems to be the most do-able way that works for me. Besides being a business analyst & wellness coach, this side hustle works perfectly with my busy schedule and hopefully thi

164 likes

Save money with these 10 simple habits

💸 Simple habits = big savings! Whether you’re renting your first apartment or just want to stretch your dollars, these cozy & renter-friendly tips make saving money feel soft and doable. 🌿✨ From unplugging devices to meal planning and thrifting home essentials, every little habit adds up. L

268 likes

Elegant Nails Made Simple 💅

Here’s the thing: a lot of nail inspo looks gorgeous… but when you try to do it yourself, it’s way too complicated, messy, or expensive. 😩 I’m obsessed with this design—it gives you that elegant, polished vibe without needing salon-level skills. ✨ The trick is focusing on layering neutrals with

20K likes

Simple Toxin Free Swaps

Here are simple toxin free swaps to make for your home and health! My favorite part is most of these will save you money. I barely buy paper towels now, and I save money by making my own cleaning and body care products. If you have any questions on products or recipes, just ask! I'm always here

224 likes

✨⛽️ Apps To SAVE MONEY On Gas + Get CASH BACK 🚗✨

✨ Gas prices usually have me STRESSED, so I made it my mission to start saving where I could at the pump 🛑⛽ Here’s what I use to consistently cut down my gas expenses and keep more cash in my wallet! ⬇️ 📱 My go-to gas-saving and cash back apps: ✔️ GasBuddy ✔️ Fuel Rewards & Cash Back Progr

880 likes

Teaching my husband to save

Teaching my husband to save money like it’s a game show , Step 1: Tap tap tap. Step 2: Fold the money, Step 3: Tap tap tap 😂 #simpleshopz #budgeting #benjamins #moneygoals

2262 likes

An infographic titled 'Do THIS Every Time You Get Paid' shows six financial tips. These include paying yourself first, paying bills, checking spending against a budget, setting aside money for irregular expenses, making additional debt payments, and setting aside income for guilt-free spending.

💸 Smart Money Hacks to Save & Grow! 💡✨

Discover easy and effective money hacks to boost your savings, manage your budget, and grow your wealth. Start mastering your finances today with simple tips anyone can use! Perfect for anyone looking to improve financial health and build a secure future. #MoneyHacks #SaveSmart #FinancialTi

234 likes

Easy iPhone Typing Trick You NEED to Know! ⌨️📱

Did you know you can turn your iPhone keyboard into a trackpad? ⌨️📱 I often struggle to move the cursor to the right spot, this simple trick solves the trouble. Here's how to use: 📌 Step 1: Tap and hold the spacebar on your iPhone keyboard. 📌 Step 2: Your keyboard turns into a trackpad—no

410 likes

This simple, natural trick triples calorie burn.

A purple peel, a crazy idea, and years of dedication to revolutionize fat burning. 🍇✨ This simple, natural trick triples calorie burn – no strict diets or long hours at the gym. It’s already impacted millions and could be the change you’ve been waiting for. Watch the Purple Peel Exploit now a

362 likes

An overhead view of US dollar bills (ones, fives, twenties) on a grey surface with the text 'Save $1000 fast' overlaid. Small colorful emojis are scattered around the money.

US dollar bills on a grey surface with text outlining savings timelines to reach $1,000, from 1 month ($250/week) to 6 months ($42/week), and a tip to set a deadline.

US dollar bills on a grey surface with text identifying common spending traps like eating out, unused subscriptions, and coffee runs, advising to redirect that cash to savings.

Save $1,000 FAST With These Simple Hacks

Be honest—how many times have you tried to save money, only to end up using it for something else? Saving feels hard when your paycheck is already stretched thin… but what if you had a plan that actually worked? Saving $1,000 isn’t about luck—it’s about small, intentional moves that add up. Here

157 likes

How to save money effortlessly on a low income? 💸

Saving money doesn't have to be difficult! Learn about budgeting finances and taking control of your finances with these money saving tips! When you want to save money, following simple saving money ideas can be a gamechanger. 💸 1. TRACK YOUR EXPENSES 2. MEAL PLAN 3. COOK BUDGET FRIENDLY M

170 likes

An iPad displays a customized home screen with various widgets and app icons, including a 'let it all work out' widget and a '2025' icon. The text overlay reads 'turn your planner into app', illustrating the trick's outcome.

A digital planner is open on an iPad screen, showing weekly layouts and notes. The text explains that Shortcuts can turn a Goodnotes planner into an app for easy home screen access, with a '2025' icon graphic.

This image shows three steps for creating a shortcut: opening the Shortcuts app, searching for 'Goodnotes' and choosing 'Open Document', then selecting the planner document from a dropdown menu on an iPad screen.

Simple Trick That Helps Me Stick With My Planner

I’ve been using my planner in Goodnotes for a while now, but having to open the app and dig through folders every time started to feel a bit clunky. So I set up a Shortcut that turns my planner into its own app on my iPad - with a custom icon right on my home screen. Now it opens with one tap, j

335 likes

The image shows an open envelope filled with US dollar bills on a dark desk, with text overlay introducing how banks make money and how individuals can too.

The image displays text explaining the basic principle that banks don't just hold money but move it, lending and investing deposits for profit.

The image lists four primary ways banks make money: through loans, various fees, investments using customer deposits, and small fees from card swipes.

how banks make money (explained simple) 💰

nobody really explains how banks make money — they just tell you to “save” and call it a day 😭 the truth is, banks don’t actually make money by holding yours. they flip it. every deposit you make gets loaned out, invested, and multiplied. they pay you maybe 1–3% interest for “saving,” then

289 likes

A woman holding a bubble wand with colorful balloons in the background, illustrating the title "How to Save $3,000 in 6 Months Simple plan" for a financial glow-up.

A glass jar filled with coins and dollar bills, illustrating the goal breakdown of saving $3,000 in 6 months, cutting daily spending, and saving windfalls.

Text outlining steps for saving money: a weekly goal of $125, reducing big expenses, increasing income, and using a dedicated savings account.

💵 How to Save $3,000 in 6 MonthsSimple plan

Saving $3,000 in 6 months is 100% doable—and no, you don’t need to be rich to do it. It comes down to breaking it into simple, manageable steps. $500/month $125/week That’s it. When you look at it like that, it feels way less overwhelming 👀 Focus on: – Cutting small daily spending –

5 likes

A green shopping cart filled with Dollar Tree Simplemade collection items, including a seal brush, bottle brush, sink caddy, and two-pack sink strainers, highlighting the new collection's high quality and low price.

A close-up of two gray Simplemade sink strainers in their packaging, labeled as a 2-pack, with text stating "Really nice and high quality!"

A single silver sink strainer with a black center, displayed against a black background, indicating a price of $9.99 for one sink strainer at Target.

Dollar Tree SimpleMade Collection! Less Expensive

Dollar Tree just got in a NEW collection of sink accessories! They have sink strainers, bottle brushes, a sink caddy, and a scrub brush you can fill with dish soap! All of these items are way more exspensive at other retailers, so purchasing them at Dollar Tree will save you a lot of money! Thes

2740 likes

Simple Money Habits for Creators

Making money is one thing — keeping it is another. Simple habits make your income feel more stable and predictable over time. #moneyhabits #creatortips #moneyreset #habit #contentcreatortips

40 likes

How to save more Money! 🤍

1. Cut back on subscriptions - Review all your subscriptions (Netflix, Spotify, beauty boxes, etc.) and cancel the ones you don’t use often. Even $10–$20 a month adds up. 2. Cook at home - Eating out or ordering takeout can quickly drain your wallet. Meal prep or cook simple meals at home. It’s

336 likes

Simple Strategies to Save $1,000 Quickly

Saving $1,000 requires focus, discipline, and small, consistent changes to your spending habits. Start by creating a budget to track your income and expenses, identifying areas to cut back. Focus on reducing discretionary spending by limiting dining out, skipping expensive coffee runs, and cancelin

222 likes

✨Let’s save that money 💰 money rules🫶

I used to think saving money meant cutting back on everything-less coffee, fewer hobbies, no fun😭. 🥰But now I’ve learned: saving isn’t about spending less, it’s about spending smarter✨. If you’re also in your “secure the bag” era , try my approach. 👂🏻Now tell me: what’s one “growth investm

25 likes

I've been thinking a lot about saving money lately

I've been thinking a lot about saving money lately, especially with everything getting more expensive. One thing that's really stood out to me is how simple some money-saving tips can be, yet many of us overlook them. For example, something as easy as bringing lunch to work instead of buyi

983 likes

🪴💸 Save Money While Living in an Apartment 💸🪴

Simple habits = big savings! 🏠✨ Try these renter-friendly tips: 1. Unplug when not in use – Chargers, toasters, lamps… they still use power! 2. Use draft stoppers – Block door & window drafts to cut AC/heat bills. 3. Meal plan weekly – Avoid takeout traps + redu

703 likes

💖 How I Save Money as a Teenager

Saving money doesn’t have to be complicated! 💖 Here’s how I use the 50/30/20 budgeting method as a high school student to save, spend, and invest wisely while still having fun. 💰✨ #BudgetingTips #TeenMoney #HighSchoolStudent #MoneyManagement #FinancialLiteracy #SavingMoney

45 likes

🔥 The Simple Trick That’s Helping People Lose Weig

🔥 The Simple Trick That’s Helping People Lose Weight Fast! 🔥 This scientific breakthrough is making weight loss easy—no gym, no diets, no stress! ✅ Works for all body types ✅ Takes seconds before bed ✅ 100% natural! 🔗 Tap the bio link to see why everyone’s trying it! #FastFatLoss

1962 likes

A flat lay image showing scattered US dollar bills ($5, $10, $20 denominations) and a pink Guess wallet. Overlay text reads "5 MONEY SAVING HACKS FOR BEGINNERS" in white and pink, with a Lemon8 watermark.

US dollar bills and a pink wallet are visible in the background. Overlay text in pink states that saving money doesn't have to be restrictive, offering beginner-friendly tips to save cash without sacrificing joy. A yellow arrow points right.

US dollar bills and a pink wallet are in the background. Overlay text in pink and white outlines the "AUTOMATE YOUR SAVINGS" hack, explaining how to set up automatic transfers and use high-yield savings accounts, with pink flower icons.

Save Money w/out Stress: 5 Easy Hacks That Work ✨🫶

Saving money doesn’t have to mean giving up your favorite coffee ☕ or never having fun again 🎉. It’s all about small, smart changes that actually work! 💡 Imagine saving hundreds (or thousands!) a year without stress or sacrifice. Sounds good, right? These 5 easy hacks will help you save money wh

400 likes

🔥 The One Simple Trick That’s Changing Weight Los

🔥 The One Simple Trick That’s Changing Weight Loss Forever! 🔥 Struggling to lose weight? This new discovery is making fat loss 3X faster—with zero effort! ✅ Works while you rest ✅ No exercise needed ✅ Backed by science! 🔗 Click the link in our bio to start now! #FatBurningSecrets #LoseW

112 likes

20 simple online ideas you can start fast .💸

Most people wait too long to start making money online. Truth? You don’t need perfect skills, big money, or the “right time.” You need speed. These 20 simple online ideas can be started fast—some today, not someday. Stop overthinking. Pick one. Stay consistent. Let small moves create big r

11 likes

Easy Way To Use What You Have, Save Money

Sounds fancy, but there's an app on every phone that can do this for you! Chat GPT is the most common but it's even at the top of Google searches! Do you use it yet? #groceryhaul #grocerystore #easyrecipes #simpledinner #foodhacks

200 likes

✨🤫 5 UNDERRATED Money HACKS That SAVE $$$ 🤑✨

✨ Saving money isn’t always about cutting out everything fun, sometimes it’s just about being a little more strategic. I came across these underrated money management hacks and honestly… they’re game-changers for keeping more coins in your pocket without feeling deprived. 📝 Top 5 Underrated Mone

399 likes

What to do if you can't save money.

Investment Over Savings: Investing is a smarter move than plain saving. While saving keeps your money idle, investing allows it to grow over time. Emergency Fund: Before diving into specific investments, I ensure I have an emergency fund. This safety net covers unexpected expenses (like car re

126 likes

See more