Investing Basics 101

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Am a huge stock owner, do I know everything about the stock market, can I make you millions with $10? No, but I am just like you working a normal job(well sorta I’m a SAHM) making average pay and had no idea about the stock market. That’s the reason I believe I can not only help you understand it but, can get you excited to start investing. First lets dive into simple terminology that is used on wall street.


Stock is a representation of a piece of ownership one has in a company. Stock is what you buy on the market to have this ownership. Think of stock like an orange, you go to the market and you buy the fruit, once you make the purchase you own the orange.

Portfolio: A collection of investments owned by an investor. You can have as little as one stock in a portfolio to an infinite amount of stocks. When you start buying stock you then have a “portfolio”.

Broker: A person who buys or sells an investment for you in exchange for a fee (a commission). I will later on show you ways to buy stock without paying fees to a broker.

Initial Public Offering (IPO): The first sale or offering of a stock by a company to the public, rather than  just being owned by private or inside investors. Whenever facebook decided to go public it was called an IPO, the “new kid on the block”

Rally: A rapid increase in the general price level of the market or of the price of a stock. Sometime certain events can cause the stock market to go up fast in a short time this is when a “rally” happens.

Sector: A group of stocks that are in the same business. An example would be the “Technology” sector including companies like Apple and Microsoft. A fancier way of saying category. Like retail is a “sector” that most investor are staying away from due to low sales.

Best graph for reference (image source)




Now this may seem like a lot of information at one time, but this is just the basics and you learn most of the definitions when you actually dive into investing. Now I have been investing for 2 years now, and I haven’t invested alot of money. However, I have gain a great return and I plan to increase every year. There are 2 ways I to go about investing, you can either spend the time and look deep into a stock you want to own. Or you can let someone create a portfolio of stocks they believe will earn you a great return. Well I tried both, and got different outcomes.



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This app is AMAZING! I love it and always rave about it. It takes my spare cash rounds it up and deposits it into my portfolio. Where they have hand picked stocks and bonds for me. I don’t spend time looking for stock to own or what bonds to buy. This apps way of investing, is good for someone who wants to put there money on auto pilot. You will earn a return depending on the stock market and not have to worry about doing the heavy lifting. However, you don’t get to control what you own. So if you hate apple and would rather amazon or another stock you will not be able to change where your money goes. For those who like a certain company and want to pick where there investment goes I would recommend my next tip.



Image result for robinhood app investing

I’ve had this app for about 6 months. I own 5 stocks ranging in different sectors. I study which stocks to own, at what price to buy, and how long I should hold them. This way of investing takes more time, but if you are good at it you can make alot of money. It doesn’t take a warren buffet to know whats going to hit. My husband who doesn’t have a passion for investing picked a few stocks and some months they are outperforming the stocks I spent hours on studying. This app is easy to navigate, I was able to get my mom into it and she loves it.

I plan to keep both app, and increase the amount I invest in each year. My main focus is paying down debt but the interest rate on my car loan is 4%, while the money I have invest has yielded me over 11%. Just remember to keep a balance and take it slow. Don’t put all your eggs in 1 basket.

I handpicked, Target, Fitbit, Square, Phillips 66, Teladoc. Want to start investing use my link below to get $5 started in your acorns account.

What “NOT” to do with your refund check

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So here I am thinking of many ways to tell people to maxamize there refund check, and it hit me let me first cover what not to do with your extra money. Now I had to do some research and what does the common person do with there money and how much does the average american save. Now there is no black and white anwser, however I have asked a few people, seen many post on my fb timeline, and have a good estimation where this money goes. Lets dig into where you shouldn’t spend that extra cash.



So, funny story I went to a rather diverse school when it came to income amounts. While my friends were not rich I always knew when there mama got there refund check. Either my friend or my friends mom would be rolling in a new vehicle. Now is buying a new car wrong. No, but if you didn’t have a need for new wheels then why are you wasting money on it. Was 2017 so dreadful that getting a new car in 2018 will change things. Okay I drive a 2005 Nissian sentra 188k miles one of my rims is missing I have a massive crack in the window My engine light is on as much as my heat is. Now does it still drive yes, so as for 2018 I will still be pushing my rough looking baby around! I understand that you may crave a new whip or see a great deal on a new car. However saving money should be priority number 1. Wouldn’t it be nice if you could go without a car note? I still drive my car because It allows my family to live on 1 income and sets us up financially better for the future. We could not be a family of 3 living on 1 income with 2 car payments. So keep rolling what you got and move that money to the bank!



I have heard the theory of paying up a few months on rent. Now if you have 0 self control and you could see yourself buying gucci bags rather than paying your rent. Then go ahead but if not and you have better self control (I pray you have self control). Don’t pay up on something that isn’t debt. Paying next months rent does nothing when you already have the money. Now if this was a mortgage then yes, a car note yes. But a lease NO! Try to save the money and in the future if you cant make rent you will have it saved. This is a poor mindset, you are in the state of thinking of today. I have money today so I need to spend what I have. I read lots of articles on how the poor think differently from the rich. Living for today and spending all you have for the moment you receive it, is number 1 mentality of the poor.



Don’t we all need a vaca. I know I am up for one at any moment. However if my goal is to get out of debt or buy a house right now isn’t the time for one. Wait to you achieve your goals before you spend time “celebrating”. Before I had my son me and my husband wanted to travel but we knew I would be on leave for 3 months and not receiving a full check. We ended up staying at the house, thank goodness because I quit my job a week before giving birth.



If you know that you are receiving a tax refund and you have 0 idea on where your going to spend it then you got a problem. No plan usually ends in a disator. Try to look at your finances and see where the money would go best. If its savings or debt. Opt to have at least 1,000 saved before you start paying down debt. This is just a safety net just in case things go bad. I try to tell people to have 3-6 months of living expenses saved. If you don’t have an emergency fund or 3-6 months saved, put your refund to either one of the causes.



After spending time looking into what people actually do I am suprised. However they said it depends on the economy. Just remember your refund check is money you already put in the system unless you have kids or are receiving the Income tax credit. Make a plan and execute! When me and my husband got married we worked ALOT! I had 2 jobs and so did he. Our first year we received a small amount mostly due to the fact he was still in school working fast food. We took the money and threw half in savings the rest went to his student loans. But once we started working full time jobs with higher pay, that next tax season we owed the IRS. This is a testament to how life works sometimes your up and sometimes your down. But if your savings always stays afloat you can maneuver through life no matter the valley! So take that extra check and let it work for you, save it or get out of debt!