Josue 📊

Data Scientist | Building $1,000+ in monthly passive income | Simplifying data analytics in day to day personal finance with illustrations 📊 | #coffeeholic

[Josue 📊 @JosuePerFin]

3 illustrations that will help you improve your personal finance in less than 2 minutes:

📈 - THREAD -🧵

[Josue 📊 @JosuePerFin]

3 components that will improve your personal finance:

- Know your spending trend
- Optimize your spending trend
- Keep your spending below your income trend

📈

[Josue 📊 @JosuePerFin]

@financeman_ Increase the gap between your income vs. expenses 📈

[Josue 📊 @JosuePerFin]

@unusual_whales Aaaand... all users were from Meta QA team 😂

[Josue 📊 @JosuePerFin]

@BadMoneyAdvice1 It has never been!

[Josue 📊 @JosuePerFin]

How many 🚩🚩🚩 did you get? 🚦

1/3 - Its okay to forget something

2/3 - If you just started organizing your personal finances, it will be improved over time

3/3 - Follow me, and I will be sharing with how to start from 0

[Josue 📊 @JosuePerFin]

TL;DR: Track

(3)🚩🚩🚩that impact negatively in your personal finances:

- You are unaware about how much $ you spend monthly

- You have monthly subscriptions but don't know the total you spend on them

- You use credit cards, but don't track your expenses by credit card

[Josue 📊 @JosuePerFin]

He arrived to the restaurant, in a 2012 Spark, wore comfortable shoes, shorts, a no-brand t-shirt and a casio watch, no expensive accesories for someone who earns that amount

Moral of the story: This is how financially smart people look like 📈

[2/2]

[Josue 📊 @JosuePerFin]

Yesterday, I went to dinner with my ex-boss (now he works remotely for another 🇺🇸 company). A genius, Computer Science engineer. He now earns $10k/mo

[1/2]

[Josue 📊 @JosuePerFin]

We better start working on our savings, at least a 6-Month emergency fund may be helpful

[unusual_whales @unusual_whales]

World bank president Malpass says there is a risk and real danger of world recession next year.

[Josue 📊 @JosuePerFin]

@WatcherGuru Buy NFTs, they said

It's an investment, they said

🤡

[Josue 📊 @JosuePerFin]

@financeman_ - Use your expenses data to take better decisions on your spending trends

Like using a cash back credit card for your food expenses, life miles credit card for your gasoline, this way you can earn points by spending and you are being data driven

[Josue 📊 @JosuePerFin]

@msfinancialfit @Tomelio A very basic concept, but yet most people seem to forget:

If you have 10 apples, spend less than 10 apples 🍎

[GoLimitless @GoLimitlesss]

Define your day. Or others will.

[Josue 📊 @JosuePerFin]

5 months ago, I was going to share a thread about how to ask for a raise and get it

But the reality is that 5 months ago, global economy started painting a recession 📉

Making these last quarters, not a good season to apply the thread

I'll share it on Q1 2023 🧵

[David | Filled With Money @FilledWithMoney]

There is a Austin house listed for $600k in 7/20/2022.

The same house listed for $425k in 9/26/2022.

30% hit in just 2 months.

But everything is fine.

[Josue 📊 @JosuePerFin]

Here's a Tip for your important passwords:

Add comma (,) semicolon (;) space (' ') and/or back slash (\) to your password

This will f*ck-up the day for anyone trying to dump your credentials data into a CSV

Personal InfoSec 📈

[Jrod Money 🇺🇸🚙 @MoneyJrod]

You could invest $500 a month

But you have a $865 car payment, eat out everyday and have 25 Amazon packages on your front porch

[Josue 📊 @JosuePerFin]

Friends often ask me, why do I save and invest almost ~70% of my earnings, that I could have a nice X or travel to Y.

My answer has always been this one: I am a lazy person, and as I am lazy, I don't wanna "work to live" during my life 🤷🏻‍♂️

Then, that makes sense for them

[Josue 📊 @JosuePerFin]

Yeah 📉, but when for house prices 🏠?

[Josue 📊 @JosuePerFin]

Money is good, but cash flow is even better

Stacking your money 🚩
Creating income sources ✅