Our family of five had an amazing time at the Indianapolis Children’s Museum today. After walking up to the building we knew we would be visiting multiple times so we switched to the family membership instead individual tickets. We still do a monthly budget and we track all our expenses in EveryDollar so we’re prepared. #daveramsey#everydollar#budgeting#indianapolischildrensmuseum
I was in grocery heaven today. Our local fruit and veg shop has very good prices:
Pumpkin 10c/kg, so 2 pumpkins cost us 40c
Punnet tomatoes 99c/punnet
Total for this week shop was $103.62
Coles: $52 to qualify us the 1st week of 4 weeks $50 spend to get 10,000 points
F&V shop: $21.62
We didn't shop at Woolies this week.
Swipe 👉 for before and after pictures of our fridge.
Swipe 👉 👉 for this week's meal plan.
I did some shopping outside of the budget today. I went and did something for myself. It’s not been a great week or even a great day. I genuinely think I’m depressed and today was just the icing on the fucking cake I’m about to eat and get fat off.
I’m an ultra-nerd (I scored an 8 on the #daveramsey free spirit/nerd quiz!) and Mark is definitely the free spirit. I’ve got 14 sheets in my personal budget excel file and 15 for my business 😂 And even though Mark is a free spirit and spender, we are still very much on the same page. We have been able to find a really good balance where we’re both happy with the budget every month (especially now that he got his very own line for spending money this month!!). My spending triggers are restaurants/food and family fun. That’s what I’m really interested in for savers — what are your spending triggers?
... for our honeymoon!! As some of you might know, I am getting married in March 2019. As we are getting closer to the wedding day, we’ve come to a decision on a honeymoon destination and it’s time to switch from debt payoff to savings. The honeymoon we have picked will cost us a grand total of about $5,500. This may sound absolutely ridiculous to some... but this is so important to us. We have never taken a vacation as a couple, and my fiancé has never even been on a plane or out of the country. We are so excited and given that we don’t usually budget for travel, we feel this honeymoon is very reasonable for us. This will obviously push our debt free date out, but we are ok with that for what we are getting in return.
We will be using our CREDIT CARD 😱 for this honeymoon, and paying it all off the day we charge it. For the rewards of course ☺️ we should have it all saved by our final payment due date so we will not need to carry a balance over.
Has anyone else in the #debtfreecommunity taken an extravagant trip recently? Did you feel guilty about it or were you ok with it because it was a planned, thought out expense?
this account has been made to document and honor this journey I have chosen to be #debtfree . It all started mid October 2018 when one of my coworker’s saw the grave face I had when I was checking my online personal loan to Lending Club. I had almost $4000 on it at the time. He looked at me and smiled and told me I could pay that off in a month or two if I really tried. I looked at him as if he was crazy. Then he looked at me as if I was crazy after seeing my interest rate on the loan. I told him how I wanted a new hobby after my wedding, and how I wanted my new hobby to make me honest money or a happy living. Then he told me why not have a hobby saving money and be happy? He then introduced me to #DaveRamsey . And it has been a load of blessings since. But it has not been an easy road. I am hoping to use this account as a tool to give me & my new hubby the strength we need to grow and prosper. 🌱
My phone bill will go down in a couple months as I’ve decided to no longer carry on with a contract (con in my opinion) and I’m in my last year of car payments so next year I’ve decided to no longer lease a car!
FINDING THE PERFECT STORAGE SOLUTION DON’T HAVE TO BE EITHER EXPENSE NOR BORING!!!!! Creating custom labels is easy and affordable, all you will need is:
3. Laser Printer
So I got my first pay for maternity leave last week. Wasn’t a good start either the lady paid me wrong the week before didn’t tell me but just cut my pay this week and we are prepared for it but was still a shock. I’ve been saving up to $500 a fortnight after we paid our car which has been 4 pays so we have a little Mojo saved but it will definitely be slower from now on as we can only probably afford $50 a fortnight now while I’m on maternity leave. February is a massive month we have most of our bills all due in Feb plus my husband car insurance and rego. So I’ll be putting more away in our bills sinking funds. I won’t be paid half of December and half of January as that’s just how the catholic system works 👎🏼 so full steam ahead in putting money into sinking funds. We decided to pay our Rates in one lump payment so I’ve been putting money in a different account for that too. I think we can make it without touching MOJO but I’m happy to if it means not using credit cards 💳 what are you saving for? How’s your savings going? #budgeting#barefoot#debtfreejourney#debtfreecommunityaustralia#saving#savingmoney#sinkingfunds
Fill in with...⠀
1. A few mid-priced items from Hobby Lobby, Walmart, or Target⠀
Make sure these fill-in items make a statement...meaning don't waste your sacred budgeted money on things that no one will notice. If you're going to splurge on a few mid-priced items I'd make them noticeable pieces like throw pillows, a wreath, garland, tree toppers, or a few fancy statement ornaments.⠀
2. Several low-priced items from Dollar Tree⠀
This is where "filling-in" really happens for me! I grab lots of ornaments, ribbons, candles, wrapping items, and even some craft supplies for DIY projects from Dollar Tree. My money goes so far here and I love it!⠀
3. DIY Projects⠀
My favorite DIY projects are Wreathes, Ornaments, Centerpieces, Fabric Garlands, + Candle Holders. Do the math to make sure that your supplies + time required aren't actually making these projects more expensive than just buying these items. Also, don't assume that Hobby Lobby or other big name craft stores are the only places to buy craft supplies, Walmart + most dollar stores sell lots of great items for even cheaper!⠀
Find all of my tips + resources at asunnysideuplife.com/christmas⠀⠀⠀⠀
OR find the link in my bio @asunnysideuplife⠀⠀⠀⠀
Our sandwich meat was on the brink of going off so I decided to make a bunch of sandwiches for my other half to chuck in the freezer. All I have to do is take one out the night before work and it’s ready for lunch for him the next day.
We were both spenders for the longest time. I had a light bolt moment while hubs was still on "baller status" 👀👀. Now I'm all about saving that penny and planning out where the money is actually going. Hubs has recently got on board with saving...but is still weak when it comes to car parts 🚙🚗😂😂
When it's 12.00 and you receive a message asking what time you're going to go to an event that starts at 1.00pm, it's 'bring a plate' and you forgot about it... no choice but to whip up some cookies... #i 'musuallyorganised #budgeting#baking
Cover reveal number 4: Painted Floral 🌸 It's been a customer favorite for 2019 Ashley Shelly Planners and will now be available in the Budget Notebook starting Black Friday on ashleyshelly.com 🎉 Hand painted by me, this one is always close to my heart 💕
Something happened today!!!! We are credit card debt free!! 🤩
We are so excited to put this part of our lives behind us, but we have already discussed our next step to becoming consumer debt free (two car loans left). •
We owe $9,000 on Michael’s car and $18k on my car. We’ve decided to save $5k in a Dave car sinking fund. Once that is funded we will sell my car and then work on paying off Michael’s car.
At the beginning on this #debtfreejourney we weren’t planning on selling any of our cars but we have been pretty #gazelleintense so priorities change. •
Now when we make purchases or decisions we are asking ourselves, “Is this benefiting our long-term goals?” •
Introducing the hubby in order to join in on the fun. Chris and I both consider ourselves savers. Married in 2017, we’ve pretty much been on the same page about money, values, and goals since the day we met. I brought the debt into our marriage (car and student loan) but neither of us have ever had credit card debt nor lived too far beyond our means. ⠀
I love this picture from our honeymoon. For a little backstory: we got married, closed on our first house, began home renovations, and honeymooned all within 7 weeks. To say we were spending a lot was an understatement! ⠀ ⠀
We didn’t exchange gifts on our wedding day. There was nothing we “needed.” But while at the resort in St. Lucia, a pair of blue sapphire stud earrings caught my eye. I do not own a lot of jewelry - just a few special pieces I can count on one hand! Chris encouraged me to get them and I reminded him of all the money we had just spent. ⠀ ⠀
Chris insisted and insisted and after I debated about it all week, I finally gave in. I get the most JOY wearing these earrings. They take me back to the best summer of my life with the best friend I’ve ever known. ⠀ ⠀
I’m all about mantras to live by lately and one of them for me is “buy the honeymoon earrings!” (And as for Chris, I insisted he buy that handsome watch!) ⠀
My stash for @sharethedignityaustralia It's in the Bag campaign 💖 everything was on sale at @colessupermarkets so it didn't cost me a whole lot. However, it will make a special lady's day this Christmas.
I care enough to fix the debt crisis we all fall accustomed to. My goal is to help guide individuals and families to financial freedom.
What are you passionate enough about to help change?
Financial coaching services starting as low as $50. DM me or visit my website to schedule a free consultation to talk about your life and your money.
I had NO clue what this meant before I started using @youneedabudget but now I know the importance!
You can see from our report that it’s been a journey of ups and downs, but look at that 33 DAYS!! THIRTY THREE!! And now I’m getting paid HALF of my previous income (I taught full time for 11 years, just switched the part time in August). What does this mean?? We have become smarter and more responsible with our money! Thanks to the #4rulesofynab !!
Technology is a cool thing, especially when it helps reduce inflammation and stimulate relaxation to stiff muscles. *Cue DPL flex wrap pain relief system* FSA-eligible pain relief is our favorite kind of pain relief, so shop with us (and our thousands of other products).
GIVEAWAY EXTENSION! Don’t forget to like our Facebook page: Miss Frugal •
ALREADY ENTERED? Tag 3 friends on this post and get more entries to win! #amazongiveaway •
See original post for details. Ends Sunday 11/18 7pm PST. Thanks!
Love this! -
#Repost @debtfreeweirdos with @get_repost
Who will accept this challenge with me?! 🙋♀️•
I have come up with a short list of why you should not go black friday shopping:
1.) SPENDING TEMPATIONS ARE EVERYWHERE. Impulse buys and so called “door busters” should be called “budget busters”!•
2.) GOOD DEALS ARE NOT WHAT THEY SEEM. Stores often hike up prices prior to putting things on sale. If it truly is a great deal, there is likely a very limited quantity just to get you in the door. •
3.) YOU WILL BUY THINGS FOR YOURSELF. You think you are going shopping to find a perfect gift for someone until you walk into old navy and you forget you have friends and family and end up in the dressing room for yourself.•
4.) YOU WILL THINK YOU NEED STARBUCKS. Because the other 101.8 million people that are out there shopping also have a Starbucks in their hand. (101.8 million black friday shoppers in 2017). •
5.) YOU WILL BUY FOOD. Unless you are cool like me and bring a cooler everywhere you go, you will become hungry and dehydrated and end up at a mall food court or a drive thru. •
6.) YOU COULD TURN INTO A GREEDY, HOSTILE SAVAGE. Black friday creates urgency and excitement in people that can lead to “mob mentality” ie violence and running to an item, which leads to #7 •
7.) YOU COULD DIE. I don’t want anyone, especially in the debt free community, being trampled in a stampede.•
Lets throw all those black friday ads we are getting in the mail right into the trash can! Instead, we can celebrate the week of Thanksgiving how it is meant to be celebrated- being thankful for what we already have. 🦃🥰•
Very excited about sharing these articles. Understanding Financial Issues for #Women . Financial Literacy Article Series for Women. Follow @lily_online to make sure you don’t miss them and follow @bamboo.wealth for lots of tips and info from Sam Tabit the Financial Planner who has generously offered his extensive wisdom for these articles....Articles include: ✔️ #Wealth protect, what is it and why do I need it?
✔️ #Retirement Planning - what do I need to consider?
✔️ What does a Financial Planner do and how does the process work?
✔️ Investing for #Children and children’s education #investment bonds ✔️ 10 Things couples can do to take control of their financial #future
✔️ Securing your future after #divorce
✔️ How to Manage your debt
✔️ Protecting your #family with Personal #Insurance and Risk Management ✔️ Superannuation Planning and Self Managed Super Funds
✔️ Home Loans, how do they work and what are your options?
✔️ Strategies for #budgeting and #cashflow
✔️ Why you need to prioritise Estate Planning
✔️ Demystifying Investing - Shares, #Borrowing & Property #empowerwomen#educationforwomen#womenempowerment#supportingwomen#empowerment
Yesterday’s seminar on budgeting for A/E/C firms was terrific. Kat Pephens and her firm Books Balanced and Beyond (Team 3B) are experts on design firm financial consulting and Ajera! We are fortunate to have her as a chapter member. Spread the word and keep an eye on our website for membership info and upcoming events! www.sdasandiego.org
@CavignacIns @aiasandiego @ULISANDIEGOTJ
This week's Supper Club featured #sousvide burgers that were crazy juicy followed by a screening of @martianmovie. These #frugalhangouts help me get through the week. And now, finally: Hello Weekend! 🎉🎊
I am not really loyal to any supermarket and generally shop wherever has the beat deals/is convenient. Occasionally I will do click and collect at my local Foodland, (here in SA) especially if we have a big weekend!
It’s worth it when they have good specials, and I find that the meat always weighs more than what we pay! For example, we paid $10 for a kg of rump steak this week and ended up with 1.3kgs.
All of this came to $103. This included $10 worth of salmon and $10 of dog food
Cover reveal number 3: Blueberry Geo! I'm bringing back an old favorite with this one! Who had a Blueberry Geo #AshleyShellyPlanner in 2017? 🙌😍 I love this geometric pattern with its cool-toned color scheme. Launching Black Friday on ashleyshelly.com 🎉 1 cover design left to go!
FriYAY. Woot woot. Some awesome fall cocktails being whipped up over here. Really digging this Sparkling Spiced Pear Vodka Cocktail. Warms my insides right up.
- Pear Juice
- Bubbly Water - Vodka
- Vanilla Bean
- Thyme - Cinnamon
As I’ve mentioned before, entertaining at home is always more affordable. These cocktails would probably run you $16 at a bar. Much less at my place :)