Here are 5 things I no longer purchase and what I use instead! ——————————————
1. Paper towels / old T-shirt’s
2. Dryer sheets / wool balls and essential oils
3. Dish sponge / silicon scrubber
4. cleaning products / white vinegar and essential oils
5. Tampons / menstrual cup ———————————————
Not only do these things help the environment, it helps my budget so much!
Ps. Before you freak out ladies, try it! I can’t imagine life without it now.
Tagging @debtfreeby_30 @kbgetsdebtfree @debtfree_again @debtdestroyer30 what are 5 things you no longer purchase!?
Social media can allow you to perceive many people as Financially secure who actually may not be. Don’t allow social media to drive your security. Leave that to us!
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Today I saw the legend that is @thecosentino
I have been amazed by magic and illusion since seeing David Copperfield as a child (showing my age ha).
His words today - my uniqueness is my currency - resonated with me 110%.
I am an accountant and always thought that unless I wore a designer suit, heels and climbed the corporate ladder sucking up to ungrateful bosses I would never get anywhere.
Thankfully, I stuck with being me and gave the ungrateful bosses the 🖕🏻many years ago.
I don’t own a suit, I certainly don’t kiss anyone’s arse and I am proud to have an opinion.
I am not “normal” - normal is boring.
Thank you @myobteam - Cosentino was more than fabulous.
My Chinese mother would always remind me of this, over and over again, even before I knew the difference between champagne and beer. She came from Taiwan to the States to marry my dad, and they didn’t have much initially. Over time, they worked hard and saved well, and were able to help pay for my brother and my college tuition. I have some small loans left but for the most part, my parents paid for my school and I helped a bit with some scholarships and work study throughout college. I know I’m lucky my parents helped me so much, but on top of the sponsored schooling, my mom also constantly taught me a lot of the basic life skills I hold onto to this day. She would also tell me, “Always pay all your credit card bills in full! Don’t being stingy with other people, just yourself. Never take a drink you haven’t seen prepared. Always save, save, save instead spend spend spend! Ai-ya, but don’t saving when it comes to skincare” Ha! And thanks to her constant motherly nagging-I mean kind reminders, I was able to start my IRA at the age of 22, I never missed a monthly facial, and I kept increasing my 401k percentage contributions with each pay increase and continued to live like a first year associate until I was 28. Most of my fine dining experiences were through awkward first dates or firm sponsored dinners, and I managed to save quite a bit! Sometimes, it’s hard to ignore what your parents say over and over, but in this case, I’m glad I listened. What funny things have your parents told you that’s stuck with you your entire life?!
Here is my #groceryhaul for the week. Now that the 4wk flybuys spend is over, its back to utilising the Woolworths click and collect and the local fruit and veg grocer, while finishing up at Coles. Im really trying to bring my flybuys spends down as it went up by $10 to $130.
I normally make all Mr1 meals as it works at better, but when @annabelkarmel are only $2, I like to get a few to have on hand. More to use in an emergency and to give him a little variety.
I picked up the 4pk of nappies using my raincheck from Woolworths and putting the $20 I saved from last weeks shop towards them. They cost me $34. I can't recommend enough getting rainchecks wherever possible, especially on bulk buy items. While technically the item needs to be out of stock to receive a raincheck, I find if I ask at the checkout for one they generally will just give you one.
Woolworths: $52.63 ( food only )
Woolworths: $34 ( nappies)
This puts me $1.59 under budget minus the $20 I rolled over
In any given moment, if you don’t have money available for something, you simply cannot afford it. Therefore, you shouldn’t buy it.
A friend and I were just talking about credit cards, and she mentioned that she pays off her balance every month with her last pay check. I told her that paying in full is the way to go, but if she’s not able to immediately pay off each charge, she’s *borrowing money* from herself. That’s a very slippery slope. She agreed and was surprised she hadn’t seen it that way before.
We don’t believe credit cards are evil, but it’s important that they be used wisely. If you use credit cards (like we do), one of the best things you can do is to pay off a purchase the moment it goes through.
Pertama kali dengar buku The Barefoot Investor (TBI) ada kalau setahunan lalu. Cari, cari, cari, akhirnya dapat newsletter-nya dua bulanan kemarin.
Sejauh ini yg bisa kusimpulkan: itu buku kurang-lebih The Total Money Makeover (TTMM)-nya Australia. Kalau TTMM titik beratnya di mutus siklus hidup gaji ke gaji tanpa ganti karir jadi pengusaha/investor (dalam konteks AS), TBI titik beratnya di berinvestasi yg aman bagi kelas pekerja (dalam konteks Australia) yg notabene harus putar otak utk bisa menyisihkan penghasilan. Aku bisa aja salah sih. Belum baca sendiri TTMM dan TBI.
Di newsletter-nya yg terakhir penulis TBI bilang dia punya 3 aturan dalam berinvestasi khususnya saham:
1. Jangan pakai uang yg TIDAK sejati, sungguhan, betulan nganggur.
2. Jangan taruh semua dana investasi kita di satu tempat (=satu perusahaan).
3. Jangan taruh dana investasi kita di perusahaan yg jelas-jelas TIDAK mendatangkan uang masuk (perusahaan yg menjual sahamnya pasti punya pembukuan yg bisa diakses publik; nggak tahu lagi kalau di Ind; mestinya sama; iya nggak sih?).
Kulihat-lihat 3 aturannya itu ada samanya dikit dg 4 Pedoman Berinvestasi Bagi Keuangan UMR yg kutulis beberapa bulan lalu. Link-nya kutaruh di profile. Mungkin ada yg belum baca.
Nampak di foto: resto di tengah kota Pacet yg sudah 3 kali ganti kepemilikan sejak Okt 2016. Pemiliknya yg sekarang yg bisa bawa ini resto jadi unit usaha yg menguntungkan. Tempat sama, jenis usaha sama, pemilik/pengelola beda, tingkat return-nya juga beda. Gimana ya njelaskannya?
Yes I paid 26k off in 8 months, it’s sooo fucking possible. I’ve seen people in the #debtfreecommunity pay more than we have on debt. Debt is not normal! I’ve seen people paying 3k worth of debt between mortgages, car loans and credit cards as minimum payments.
Watch Nicholas and I shop together. It's football season and that means that we are in and out of sport stores regularly.
But I like to approach going into any store with a plan. The hardest part is sticking to it... I hope this short video provides some entertainment and value for you all. If we get 10 likes, we will upload similar clips in the future. Share with friends and family.
Shopping on a #budget may even become a series 🤷🏽♂️ #escapetypical
Wow wow wow! Hi everyone!! Long time no see! College life is a rough life, and I’ve been dressing business professional everyday (but no one to take pictures of my outfits😫). Idk if any of you have heard of @daveramsey but he’s a staple in my Frugal Life. Now that I’m on my own, I have been trying to budget more, and save a whole lot more as well. Since this page is more than just fashion, it’s really about frugal living, I’m adding in more about how to live life to the fullest without breaking the bank. Basically live save says “live like no one else now, so later, you can LIVE like no one else!” So pumped to share this new aspect! Yes, I’ll still be doing fashion!! I just haven’t bought any new clothes (TIP: don’t buy clothes when you don’t need them 😉)
Hola. Wanted to introduce myself and when I say myself I really mean to include my hubby. We began this journey just recently when my sister loaned me her copy of The Total Money Makeover book. I began to read it and immediately everything began to make sense. I got my husband to read it as well and we are 💯 on board to tackle this debt. •
I am a stay at home mom. 3 kids (the smallest having a complex heart condition).
Growing up we were never “educated” about handling finances and I vow to teach our children differently. I hope they never will be in this same boat 😅. #debtfreecommunity#debtfreeliving#daveramsey#gazelleintense#mexicandebtfree#mexicandebtcrisis#debtsnowball#budgeting#stayathomemom#debtisdumb
Update: I’ve made it a week so far and it is way harder then I would have ever thought! I want to go to the grocery store so bad! QUESTION: Is it considered spending if I scrounge up change to go buy a roll of paper towels? (We have a puppy and I would rather not use my cloth towels to clean up messes) I hate to screw up my streak but it’s a necessity at this point. 🤷🏻♀️ #debtfreejourney#debtfreecommunity#debtfree#budgeting#bulletjournal
High school and college students / young adults: what do you want to know about financially preparing for life after school? Grownups: what is the biggest piece of financial advice you would give your younger self?
Made another sale! 😎 Sold (one of) my wedding dress(es) last week via consignment. The e-transfer just hit my account and I sent the full amount straight to the LOC! 👊🏼 We are officially down to $6,330 and we GET PAID TOMORROW 🎉
Story time: We eloped! I bought a dress at a consignment shop fairly quick. I had slight dress regret, thinking “what if something better was out there”. Sure enough there was 🙈
Both dresses combined were about $1300. Last week I sold the dress I didn’t end up wearing. The dress I actually wore is at the consignment shop too. Hoping it sells soon 🤞🏻
💰💴💵#Repost @hoodestates (@get_repost)
Regrann from @theluxurycapital - Success is a decision, you must be intentional about it.💡 Your decisiveness will show in how serious you become about only planting seeds of good habits in your "work ethic garden".💡So we're here to encourage you to:
• Start #budgeting
• Come up with a plan towards #retirement when you're still young
• Live within your means
• Create several streams of passive income
• Protect your #assets
•Don't accumulate massive amounts of #debt .
INCUBATE HEALTHY #FINANCIAL HABITS💰. - #regrann#Hoodestates#NoSacrificeNoReward#investtobuildwealth
I don’t know about you, but I am a fan of physical books. Whether it’s a book to read, a planner, a notebook, or a bill tracker. I always get apps and then end up deleting them. I really want to learn the skill of budgeting and these notebooks from @thelavenderloop are definitely going to help! I feel like writing down every expense we make is going to make me realize how much money we spend! If you’re interested in buying one, the link is in my bio. They are super affordable and come with a matching pocket sized expense tracker!
Now I want to know. What is your BEST budgeting tip/money saving tip?
Hello! I wanted to do a round of introductions for people I’ve recently connected with. 👋🏼 Tell me in the comments where you’re from & something you’re looking forward to!
Here’s a little bit about me:
I’m a Nashville native. 🦄 After graduating from Belmont, I moved to Orlando ☀️ for 11 years.
I majored in journalism and my first interview ever was Christopher Cross of yacht rock fame. 🎤⛴ But my all time favorite singer in the world forever and ever is Michael McDonald.❣️
My favorite movie growing up was Audrey Hepburn’s My Fair Lady. 💃 I even had the collectible themed Barbies.
I’ve dated two bodybuilders and married one. 🤷🏼♀️💪🏼
I live in house that I sold once and bought twice. 🏡I photograph and video wild turkey, deer, rabbits and other critters who live around my house. 🦃🦌🐿🐇🦉🐺
I don’t watch TV or movies or Netflix but love to waste time online, reading books, listening to music 🎶 and drinking coffee. ☕️
I’m a Type 6 on the Enneagram, which sometimes means I have anxiety about anxiety, which is the indescribable fear of nothing. 😩🤷🏼♀️
I hate scary stuff, horror films, haunted houses, ☠️but having little ones redeemed Halloween for me and now it’s a favorite.🎃🍬
Speaking of, my dad was an artist and I grew up with framed paintings of clowns 🤡 in our house.
I was part of the starting lineup for Relevant magazine in 2001 📰and was a cohost of the podcast for two years. 🎧It was the closest I got to 15 minutes of fame. 🤩
There, I published a book called Cheap Ways to Tie the Knot 👰💍& started my blog, Cheap Ways To.💸 .
What I’m looking forward to: I’m hosting my first ever teaching series on financial anxiety starting Oct.1 called ➡️ [Budgeting 101] 💰& you can sign up for free in the link on my bio.👩🏼💻😬
One of my new fave things since moving from St. Paul to San Diego is açaí bowls. Working at juice shops around town has been a great way to get to know my new city.
Today I’m enjoying this deliciousness at @projectjuice in Hillcrest, a super queer friendly neighborhoods in SD.
What’s one of your fave ways to #treatyoself ? Share below! 👇
I don’t have health insurance for a couple of reasons. .
1. I NEVER go to the doctor. If I feel ill, I let it take its course.
2. Its a good chunk out of my paycheck. My job already takes 9% of my take home pay for “retirement” and I make less than 30k so I would really miss that money
3. Paying that tax penalty is cheaper than deducting it from my paycheck. .
After speaking with a coworker, I’m considering getting the benefits, but I’m unsure. .
Do you have health insurance? What company? How much do you spend on the benefit? .
I have been contemplating this decision for a while now.... so yesterday I sent the email to daycare to notify we will be dropping 1 of the 2 days of care PW. This frees up enough $ to cover swimming lesson costs for the twins (they start next week yayyy 😀)and gives us a decent buffer for groceries whilst leaving our current budget in place. Whilst I was easily able to bring our grocery budget down by 35% since starting our debt free journey, trying to do 40% and 45% cut was a struggle I’m not going to lie, and I was going over the “budgeted” grocery amount every week for the last 4 weeks. So having that buffer there will help so much, any unused amount will rollover for extra special Xmas feed. I can still do my part time work on fridays, after hours and some w/ends. You can’t get the time back with your kids, they grow so fast, and they are late are overdue for learning to swim! Not long and they will be off to school, more quality time with them, save us some $ and use it elsewhere win win. #budgetplanner#budgeting#budget#familygoals#finacialfreedom#debtfreejourney#debtfreegoals#budgetmum#babysteps#mumlife#frugal#frugalliving#savingmoney#newwayoflife#positivity#sahm#wfhm#moneymatters#largefamily#sacrifice#happy#debtsnowball#getoutofdebt