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Budgeting is difficult... Why not offer yourself a helping hand? Plus, if you're lucky, these handy little apps will tell you where you're losing money (on top of keeping your finances in order 😎). #yyj #student #university #cheapeats #budgeting #budgetingtips #studentdeals #savemoney #canada #youngdumbbroke #youngbudgeting #ts3hunnid #followforfollow #likesforlikes #followback #lessmoneystress #savingmoney #moneysaver #savingsgoals #college
#money #finances #savingmoney #cash #cashmoney #deals #hacks #moneyhacks
Budgeting is difficult... Why not offer yourself a helping hand? Plus, if you're lucky, these handy little apps will tell you where you're losing money (on top of keeping your finances in order 😎). #yyj  #student  #university  #cheapeats  #budgeting  #budgetingtips  #studentdeals  #savemoney  #canada  #youngdumbbroke  #youngbudgeting  #ts3hunnid  #followforfollow  #likesforlikes  #followback  #lessmoneystress  #savingmoney  #moneysaver  #savingsgoals  #college  #money  #finances  #savingmoney  #cash  #cashmoney  #deals  #hacks  #moneyhacks 
Hubby is a great natural saver. He’s been saving and balancing his checkbook since around age 16... Me? I’m a reformed spender ! I have to constantly keep myself in check, but I have been getting better and more disciplined with saving. I have become a little obsessed with my excel spreadsheets, too. Oh, the dude in the middle? That’s Benjamin Franklin.  #debtfreecommunity #daveramseybabysteps #daveramsey #debtfreeliving #debtisdumb #cashisking #babystep3 #savings #savemoney #debtfreeaf #debtsnowball #debtfreedom #budgeting #budget #debtsucks#financialpeaceuniversity #gazelleintense #saveforthefuture #piggybank
Hubby is a great natural saver. He’s been saving and balancing his checkbook since around age 16... Me? I’m a reformed spender ! I have to constantly keep myself in check, but I have been getting better and more disciplined with saving. I have become a little obsessed with my excel spreadsheets, too. Oh, the dude in the middle? That’s Benjamin Franklin. #debtfreecommunity  #daveramseybabysteps  #daveramsey  #debtfreeliving  #debtisdumb  #cashisking  #babystep3  #savings  #savemoney  #debtfreeaf  #debtsnowball  #debtfreedom  #budgeting  #budget  #debtsucks #financialpeaceuniversity  #gazelleintense  #saveforthefuture  #piggybank 
#WinBackYourLife #Debt #DebtFree #DebtTrap 
Getting out of debt is the most important decision you can ever make!

#LetsTalk

Call us at 03 9394 6392 or Visit My Family Finance: http://myfamilyfinance.com.au/

#DebtReduction #WealthCreation #Budgeting
#MyFamilyFinance #Melbourne
So next month I’ll be celebrating the last year in my Roaring 20’s 😭 & while I could make an exception & blow money on this special day, I refuse. To be honest, I did envision a nice vacation overseas spending money in a non-frugal manner 🤣 BUTTT, that isn’t my reality this moment & I’m totally okay with that- life happens 🤷🏻‍♀️so, I’ll be celebrating locally & my intention is to save as much as I can where I can- so I started a list on areas I’ll be saving some $$$ [SWIPE]. I figured it’s okay to have a healthy balance & these are things I can do without ⚖️ what are your tips for saving money on a special day?
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#minimalism#minimalist#savings#financialfreedom#goaldigger#babysteps#money#investinyourself#cash#tracking#budget#debtfree#millennials#savingmoney#successtips#poderosa#frugal#debtfreecommunity#personalfinance#budgeting#daveramsey#frugalliving#sisepuede#goals#debtfreejourney#friday#fridaymood #weekendvibes#29#roaring20s
So next month I’ll be celebrating the last year in my Roaring 20’s 😭 & while I could make an exception & blow money on this special day, I refuse. To be honest, I did envision a nice vacation overseas spending money in a non-frugal manner 🤣 BUTTT, that isn’t my reality this moment & I’m totally okay with that- life happens 🤷🏻‍♀️so, I’ll be celebrating locally & my intention is to save as much as I can where I can- so I started a list on areas I’ll be saving some $$$ [SWIPE]. I figured it’s okay to have a healthy balance & these are things I can do without ⚖️ what are your tips for saving money on a special day? . . . . . #minimalism #minimalist #savings #financialfreedom #goaldigger #babysteps #money #investinyourself #cash #tracking #budget #debtfree #millennials #savingmoney #successtips #poderosa #frugal #debtfreecommunity #personalfinance #budgeting #daveramsey #frugalliving #sisepuede #goals #debtfreejourney #friday #fridaymood  #weekendvibes #29 #roaring20s 
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
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 
Baby step 1 ✅

Save $1000 as a rainy day fund before attacking debt. Debt you better run because I’m coming for you once and for all! Thanks @daveramsey for the motivation!

#debtfreejourney #daveramsey #daveramseybabysteps #budgeting #goals #aspiringliving
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
Blueberries $1.50/punnet
Cucumber 99c/kg
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
Aldi: $30
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.

#groceryhaul #budgetmum #budgetmeals #weeklygroceries #budgeting #debtfreecommunity #debtfreejourney
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 Blueberries $1.50/punnet Cucumber 99c/kg 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 Aldi: $30 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. #groceryhaul  #budgetmum  #budgetmeals  #weeklygroceries  #budgeting  #debtfreecommunity  #debtfreejourney 
👏👏🥺🥺🙌🏻 Say it ain’t so ! 
#debtfreecommunity #debtfreejourney #debtfree #daveramsey #budgeting
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 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?
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#moneynerd #savemoney #savers #frugalisfun #marriagegoals #fpu #ultranerd #budgetplanner #budgetlife #budgeting
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? . . . . #moneynerd  #savemoney  #savers  #frugalisfun  #marriagegoals  #fpu  #ultranerd  #budgetplanner  #budgetlife  #budgeting 
Check out my recent stories to see how I ended last pay period with my cash envelopes and how I decided to handle paying for gas for our trip to Missouri (then onto Colorado) that we leave for TOMORROW! 😍
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#budgeting #budgetplans #sinkingfunds #debtfreeplanning #plannerbabe #plannersgonnaplan #ashleymarieplans #budgetbypaycheck #thebudgetmom
... 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?
... 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?
I have been DESPERATE for some maternity jeans. My regular jeans were all getting so uncomfortable by the end of the day. Maternity clothes are so expensive though... especially to only wear for a few months. 
Found these for 7 dollars at a Burke’s Outlet. I couldn’t pass it up. 
#livingfrugal #budgeting #daveramseybabysteps #babystep2 #debtsnowball #daveramsey #debtfreecommunity #debtfreejourney #daveramsey #frugalliving
Results are in!  If YOU had  an extra $50k, what would you do with it?
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❗️25% would spend it on their family
❗️22% would spend it on material things
❗️22% would spend it on existing debt
❗️10% would spend it on travel
❗️21% would spend it on some type of charity (church, non-profit, homeless...)
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Next week I’ll chat about money. In researching the amount of people in debt in this country, it’s appalling to to me how many never have education in this area. 😕 I hope we can change that!
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#usdebt #bills #education #finances #badcycle #financialadvisor #investments #helpeachother #payoffdebt #wisespending #advice #smartprinciple #planahead #spendinghabits #budgeting #goals #dontbestupid #minimalliving #investinyourself
Results are in! If YOU had an extra $50k, what would you do with it? —————————————- ❗️25% would spend it on their family ❗️22% would spend it on material things ❗️22% would spend it on existing debt ❗️10% would spend it on travel ❗️21% would spend it on some type of charity (church, non-profit, homeless...) —————————————— Next week I’ll chat about money. In researching the amount of people in debt in this country, it’s appalling to to me how many never have education in this area. 😕 I hope we can change that! ——————————————- #usdebt  #bills  #education  #finances  #badcycle  #financialadvisor  #investments  #helpeachother  #payoffdebt  #wisespending  #advice  #smartprinciple  #planahead  #spendinghabits  #budgeting  #goals  #dontbestupid  #minimalliving  #investinyourself 
We are growing!!! Welcome Iconic Credit!!! We are not just repairing credit... We are giving you Iconic Credit!! .
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Life happens and your Credit suffers... Give your credit life with US... .
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We are waving the registration fee for 15 people to Celebrate Iconic Tax and Financial Services 1 year anniversary!!!
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DM or call 904-717-1181 to get Iconic Credit!!!
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#virtualmentor #financialplanning #businesscredit #budgeting #entrepreneur #duvaltaxpreparere #duvaltax #jacksonvilleflorida #allstates #servicingallstates #creditrepair #business
We are growing!!! Welcome Iconic Credit!!! We are not just repairing credit... We are giving you Iconic Credit!! . . Life happens and your Credit suffers... Give your credit life with US... . . We are waving the registration fee for 15 people to Celebrate Iconic Tax and Financial Services 1 year anniversary!!! . . DM or call 904-717-1181 to get Iconic Credit!!! . . #virtualmentor  #financialplanning  #businesscredit  #budgeting  #entrepreneur  #duvaltaxpreparere  #duvaltax  #jacksonvilleflorida  #allstates  #servicingallstates  #creditrepair  #business 
God!!! I am so very thankful and blessed!!! .
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Happy 1 years anniversary!! #financialplanning #businesscredit #budgeting #businesscredit #entrepreneur #virtualmentor #creditrepair
#pantrychallenge okay so I used garlic I had sitting on my counter, mushrooms from about a week ago that needed to be used up, pasta from the pantry, milk that expires in a couple days and two chicken breasts that were in the freezer. Made chicken fettuccini (well I used spaghettini noodles lol). Oh and I used some parsley flakes from the spice cupboard. It was delicious! #usewhatwehave #debtisdumb #debtfreegoals #debtfreeliving #debtfreecommunity #debtfreecommunitycanada #budgeting #budgetmeals #budgetmeal
#pantrychallenge  okay so I used garlic I had sitting on my counter, mushrooms from about a week ago that needed to be used up, pasta from the pantry, milk that expires in a couple days and two chicken breasts that were in the freezer. Made chicken fettuccini (well I used spaghettini noodles lol). Oh and I used some parsley flakes from the spice cupboard. It was delicious! #usewhatwehave  #debtisdumb  #debtfreegoals  #debtfreeliving  #debtfreecommunity  #debtfreecommunitycanada  #budgeting  #budgetmeals  #budgetmeal 
We are growing!!! Welcome Iconic Credit!!! We are not just repairing credit... We are giving you Iconic Credit!! .
.
Life happens and your Credit suffers... Give your credit life with US... .
.
We are waving the registration fee for 15 people to Celebrate Iconic Tax and Financial Services 1 year anniversary!!!
.
.
DM or call 904-717-1181 to get Iconic Credit!!!
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.
#virtualmentor #financialplanning #businesscredit #budgeting #entrepreneur #duvaltaxpreparere #duvaltax #jacksonvilleflorida #allstates #servicingallstates #creditrepair #business
We are growing!!! Welcome Iconic Credit!!! We are not just repairing credit... We are giving you Iconic Credit!! . . Life happens and your Credit suffers... Give your credit life with US... . . We are waving the registration fee for 15 people to Celebrate Iconic Tax and Financial Services 1 year anniversary!!! . . DM or call 904-717-1181 to get Iconic Credit!!! . . #virtualmentor  #financialplanning  #businesscredit  #budgeting  #entrepreneur  #duvaltaxpreparere  #duvaltax  #jacksonvilleflorida  #allstates  #servicingallstates  #creditrepair  #business 
baby steps
🐺 
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. 🌱

#debtfreejourney #debtfreecommunity #livefree #behappy #happylife #happywife #happyhubby #daveramseybabysteps #budgeting #budgetwolfie
baby steps 🐺 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. 🌱 #debtfreejourney  #debtfreecommunity  #livefree  #behappy  #happylife  #happywife  #happyhubby  #daveramseybabysteps  #budgeting  #budgetwolfie 
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!
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!
God!!! I am so very thankful and blessed!!! .
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Happy 1 years anniversary!! #financialplanning #businesscredit #budgeting #businesscredit #entrepreneur #virtualmentor #creditrepair
Can't stress it enough - stay within budget,  but also choose gifts that are useful, meaningful and of great quality.

#christmasfund #christmas #christmaslist #howisavemoney #howisaveonchristmas #budget #budgeting #babystep3 #daveramseybabysteps #debtfreejourney #debtfreecommunity #debtfreeliving #financialpeace #financialfreedom #frugalhabits
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:

1.  Paper
2. Tape
3. Laser Printer
4. Water
5. Scissor
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: 1. Paper 2. Tape 3. Laser Printer 4. Water 5. Scissor
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
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 
Trying to list 100 items by Christmas. I made this PDF to help me visualize my goal. Is anyone else doing a listing challenge?
Trying to list 100 items by Christmas. I made this PDF to help me visualize my goal. Is anyone else doing a listing challenge?
Fill in with...⠀
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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.⠀
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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!⠀
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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!⠀
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Find all of my tips + resources at asunnysideuplife.com/christmas⠀⠀⠀⠀
OR find the link in my bio @asunnysideuplife⠀⠀⠀⠀
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#budget #budgeting #budgetlife #debt #debtfree #debtfreedom #debtfreejourney #debtfreelife #momlife #motherhood #budgettip #frugualliving #work #goals #debt #debtfreecommunity #daveramsey #christmas #holidays #christmasonabudget #christmas2018 #holidayseason #lookslikechristmas #blackfriday #homeschoolfamily
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⠀⠀⠀⠀ .⠀⠀⠀⠀⠀ .⠀⠀⠀⠀⠀ .⠀⠀⠀⠀⠀ .⠀⠀⠀⠀⠀ .⠀ ⠀⠀⠀⠀ #budget  #budgeting  #budgetlife  #debt  #debtfree  #debtfreedom  #debtfreejourney  #debtfreelife  #momlife  #motherhood  #budgettip  #frugualliving  #work  #goals  #debt  #debtfreecommunity  #daveramsey  #christmas  #holidays  #christmasonabudget  #christmas2018  #holidayseason  #lookslikechristmas  #blackfriday  #homeschoolfamily 
It’s time for another #FeatureFriday because the DFC is and should be a place of encouragement and celebration as people become come closer and closer to living and giving like no one else! Let’s celebrate because @debtfree.familytree is under $20k 🎉 @poormetodebtfree has left the six figure club FOREVER! 🎉 and @loveandcents drives and completely PAID OFF car!!!🎉 Way to go all!!
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#debtfreeindetroit #debtfreeinMichigan #debtfree #debtfreecommunity #babystep2 #daveramsey #slaughterdebt #noexcuses #payingoffdebt #byebyedebt #debtfreeliving 
#debtavalanche #debtisdumb #nomoredebt #budgetlife #reachinggoals #budgeting 
#debtfreejourney #budgeterswin #financialfreedom #personalfinance #frugal #detroitmichigan
It’s time for another #FeatureFriday  because the DFC is and should be a place of encouragement and celebration as people become come closer and closer to living and giving like no one else! Let’s celebrate because @debtfree.familytree is under $20k 🎉 @poormetodebtfree has left the six figure club FOREVER! 🎉 and @loveandcents drives and completely PAID OFF car!!!🎉 Way to go all!! . . . #debtfreeindetroit  #debtfreeinMichigan  #debtfree  #debtfreecommunity  #babystep2  #daveramsey  #slaughterdebt  #noexcuses  #payingoffdebt  #byebyedebt  #debtfreeliving  #debtavalanche  #debtisdumb  #nomoredebt  #budgetlife  #reachinggoals  #budgeting  #debtfreejourney  #budgeterswin  #financialfreedom  #personalfinance  #frugal  #detroitmichigan 
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.
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 🚙🚗😂😂
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#spender #saver #budgeting #debtfree #savingsjourney #budgetmama #budgetingiskey
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 🚙🚗😂😂 * * * #spender  #saver  #budgeting  #debtfree  #savingsjourney  #budgetmama  #budgetingiskey 
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
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 
2 hours of arcade games, laser tag & dodgems for both boys ... $30 (save $40) from Groupon 👌🏼 Boys are having a blast 👾 I’m the ticket carrier 😂
2 hours of arcade games, laser tag & dodgems for both boys ... $30 (save $40) from Groupon 👌🏼 Boys are having a blast 👾 I’m the ticket carrier 😂
For those of you who do cash envelopes and use or have used paper envelopes, you know how quickly they get all tattered and torn. I got tired of that so I found these plastic envelopes at Office Max and they have held up really well! The big ones were only a few dollars and the small ones less than that! So just thought I would share in case anyone else is tired of throwing envelopes away because they tear up! ;) Oh, and these aren't sponsored or anything, just sharing a tip! 😊
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#budgeting #budget #debtfreecommunity #personalfinance #daveramsey #frugalliving #debtfreeliving #momblogger #momsonabudget #savemoney #cash #debtisdumb #financialpeace #budgetmom #moneytips #saving #sidehustle #daveramseybabysteps #farmhousetable #becomingminimalist #minimalistliving #moneymatters #frugallife #cashisking #debtfreegoals #momsinbusiness #financialgoals #livelikenooneelse #inspiration #inspiredbudget
For those of you who do cash envelopes and use or have used paper envelopes, you know how quickly they get all tattered and torn. I got tired of that so I found these plastic envelopes at Office Max and they have held up really well! The big ones were only a few dollars and the small ones less than that! So just thought I would share in case anyone else is tired of throwing envelopes away because they tear up! ;) Oh, and these aren't sponsored or anything, just sharing a tip! 😊 . . . . . #budgeting  #budget  #debtfreecommunity  #personalfinance  #daveramsey  #frugalliving  #debtfreeliving  #momblogger  #momsonabudget  #savemoney  #cash  #debtisdumb  #financialpeace  #budgetmom  #moneytips  #saving  #sidehustle  #daveramseybabysteps  #farmhousetable  #becomingminimalist  #minimalistliving  #moneymatters  #frugallife  #cashisking  #debtfreegoals  #momsinbusiness  #financialgoals  #livelikenooneelse  #inspiration  #inspiredbudget 
*** MY BEST MONEY SAVING WEDDING TIPS *** ⁣
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1. Set a CLEAR, WRITTEN budget. I’ve seen many weddings where there was all these expenses and no clear communication of a budget, and everyone ends up looking at each other trying to figure out who is going to pay who. ⁣
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2. Ask to borrow! We saved a ton of money just by borrowing things from family friends and my church! It NEVER hurts to ask!⁣
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3. Get creative with flowers. We ordered all mine from Costco in bulk. Spent $100 total!⁣
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4. Pick a few items to splurge on, then commit to being frugal with the rest. I chose to splurge on my dress and I don’t regret it one bit. ⁣
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5. Most importantly, invest in a marriage, NOT A wedding. Do you ever see those brides who literally act psycho on their wedding day? Who have to have the BEST of everything? Imagine if they put that much time and effort into their relationship... just sayin😉⁣
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#personalfinance #financialfreedom #moneyblog #budget #moneytips #frugalwedding #weddingplanning #weddinghacks #weddingtips #thriftybride #weddingdetails #ido #brideandgroom #weddingseason #weddingblog #weddingreception #weddinginspo #weddingflowers #christianmomblog #weddinggown #weddingstyle #millionairementor #gettingmarried #weddingdecor #personalfinanceblog #budgeting #weddingbudget #frugalliving #frugalhacks #momblog
*** MY BEST MONEY SAVING WEDDING TIPS *** ⁣ .⁣ 1. Set a CLEAR, WRITTEN budget. I’ve seen many weddings where there was all these expenses and no clear communication of a budget, and everyone ends up looking at each other trying to figure out who is going to pay who. ⁣ .⁣ 2. Ask to borrow! We saved a ton of money just by borrowing things from family friends and my church! It NEVER hurts to ask!⁣ .⁣ 3. Get creative with flowers. We ordered all mine from Costco in bulk. Spent $100 total!⁣ .⁣ 4. Pick a few items to splurge on, then commit to being frugal with the rest. I chose to splurge on my dress and I don’t regret it one bit. ⁣ .⁣ 5. Most importantly, invest in a marriage, NOT A wedding. Do you ever see those brides who literally act psycho on their wedding day? Who have to have the BEST of everything? Imagine if they put that much time and effort into their relationship... just sayin😉⁣ .⁣ #personalfinance  #financialfreedom  #moneyblog  #budget  #moneytips  #frugalwedding  #weddingplanning  #weddinghacks  #weddingtips  #thriftybride  #weddingdetails  #ido  #brideandgroom  #weddingseason  #weddingblog  #weddingreception  #weddinginspo  #weddingflowers  #christianmomblog  #weddinggown  #weddingstyle  #millionairementor  #gettingmarried  #weddingdecor  #personalfinanceblog  #budgeting  #weddingbudget  #frugalliving  #frugalhacks  #momblog 
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 💕
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 💕
You guys, I turned into the person that reviews my receipt for errors and goes to customer service for a refund for being overcharged for coffee...whatever, it’s almost Christmas and I got back $1.54 👵🏻 .
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#debtfreejourney #debtfreedom #fpu #daveramsey #frugal #debtfreecommunity #financialfreedom #goals #2018goals #zerobudget #cashenvelopes #envelopesystem #babysteps #babystep2 #budgeting #budget #financialpeace #totalmoneymakeover #debtfreeisthenewsexy #debtsnowball #debtpayoff #debtavalanche
You guys, I turned into the person that reviews my receipt for errors and goes to customer service for a refund for being overcharged for coffee...whatever, it’s almost Christmas and I got back $1.54 👵🏻 . . . . . #debtfreejourney  #debtfreedom  #fpu  #daveramsey  #frugal  #debtfreecommunity  #financialfreedom  #goals  #2018goals  #zerobudget  #cashenvelopes  #envelopesystem  #babysteps  #babystep2  #budgeting  #budget  #financialpeace  #totalmoneymakeover  #debtfreeisthenewsexy  #debtsnowball  #debtpayoff  #debtavalanche 
$18k of credit cards paid! ✅ We are credit card debt free!! @debtfreecharts #debtfreecommunity #debtfreejourney #debtfree #daveramsey #budgeting #debtfreegoals #babystep2
Something happened today!!!! We are credit card debt free!! 🤩
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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.
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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?” •

@daveramsey #debtfreecommunity #debtfree #daveramsey #debtfreegoals #budgeting #babystep2
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?” • @daveramsey #debtfreecommunity  #debtfree  #daveramsey  #debtfreegoals  #budgeting  #babystep2 
Are you Stressed about your student loan debt? Do you feel like you’re just always gonna have it?  Are you frustrated with your balance that seems to keep growing even though you’ve been making your payments faithfully for months and months?  My comprehensive webinar can help.  As an attorney, I had plenty of student loan debt to deal with!  Designed for people who have already taken out federal student loans, this webinar is intended to give you as much information as possible to help you manage your student loans.  When it comes to paying off your debt, information is your secret weapon.  This webinar Can save you thousands of dollars for less than the cost of your monthly cell phone bill. Claim your spot in the webinar today at courses.newcashview.com/product/student-loan-debt-101/⁣
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Are you Stressed about your student loan debt? Do you feel like you’re just always gonna have it? Are you frustrated with your balance that seems to keep growing even though you’ve been making your payments faithfully for months and months? My comprehensive webinar can help. As an attorney, I had plenty of student loan debt to deal with! Designed for people who have already taken out federal student loans, this webinar is intended to give you as much information as possible to help you manage your student loans. When it comes to paying off your debt, information is your secret weapon. This webinar Can save you thousands of dollars for less than the cost of your monthly cell phone bill. Claim your spot in the webinar today at courses.newcashview.com/product/student-loan-debt-101/⁣ ⁣ #savemoney  #debtfree  #personalfinance  #moneymanagement  #wealth  #money  #moneymindsent  #finance  #debtfree  #financialfreedom  #entrepreneurialmindset  #paydebt  #budgeting  #greatliving  #savemoney  #buildwealth  #debtfreedom  #millionairemindset  #moneytips  #debtfreeliving  #financialeducation  #financialhelp  #financialdomination  #financial  #entrepreneurmom  #debt  #financiallyfree  #financialliteracy  #dollars  #cash 
Good morning! 😉
I'm really sad that today is my last day in Kyoto 😭😭
Last week was full of surprises! Went to amazing places, ate incredibly yummy foods and saw so many things 💕💕
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#autumn #travel #travels #traveler #travelling #travelphotography #travelpic #travelblog #travelgram #nature #foliage #kyoto #japan #京都 #日本 #旅行 #大学生 #紅葉 #uk #student #lietuve #keliones #lithuaniangirl #japonija #dinner #cheap #budgeting #budgettravel #hotelview
Good morning! 😉 I'm really sad that today is my last day in Kyoto 😭😭 Last week was full of surprises! Went to amazing places, ate incredibly yummy foods and saw so many things 💕💕 . . . #autumn  #travel  #travels  #traveler  #travelling  #travelphotography  #travelpic  #travelblog  #travelgram  #nature  #foliage  #kyoto  #japan  #京都  #日本  #旅行  #大学生  #紅葉  #uk  #student  #lietuve  #keliones  #lithuaniangirl  #japonija  #dinner  #cheap  #budgeting  #budgettravel  #hotelview 
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!) ⠀
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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!) ⠀ . . .
Another payment down, 4 more to go until #nelnet is paid off! 🥰
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#debtfreecommunity #debtfreejourney #debtfreeiniowa #debtfreewannabe #debtfreefrenzy #studentloans #budgeting #budget #budgetlife
We keep the results coming!!! Go to www.fortunereliancegroup.com to learn more!!!
We keep the results coming!!! Go to www.fortunereliancegroup.com to learn more!!!
Are you Stressed about⁣
your student loan debt? Do you feel like you’re just always going to have it?⁣ Are you frustrated with your balance that seems to keep growing even⁣
though you’ve been making your payments faithfully for months and months?  This⁣
download is for you!  It's a list of 5 Student Loan Debt Tips.  As an⁣
attorney, I had my own student loan to deal with.  When it comes to paying⁣
off your debt, information is your secret weapon.  This download can help⁣
start you on your way to paying your student loan debt off, once and for all!⁣ ***For 5 Student Loan Debt Tips, click on the link in my profile!⁣
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Are you Stressed about⁣ your student loan debt? Do you feel like you’re just always going to have it?⁣ Are you frustrated with your balance that seems to keep growing even⁣ though you’ve been making your payments faithfully for months and months? This⁣ download is for you! It's a list of 5 Student Loan Debt Tips. As an⁣ attorney, I had my own student loan to deal with. When it comes to paying⁣ off your debt, information is your secret weapon. This download can help⁣ start you on your way to paying your student loan debt off, once and for all!⁣ ***For 5 Student Loan Debt Tips, click on the link in my profile!⁣ ⁣ ⁣ ⁣ #savemoney  #debtfree ⁣ #personalfinance  #moneymanagement  #wealth  #money  #moneymindsent  #finance ⁣ #debtfree  #financialfreedom  #entrepreneurialmindset  #paydebt  #budgeting ⁣ #greatliving  #savemoney  #buildwealth  #debtfreedom  #millionairemindset ⁣ #moneytips  #debtfreeliving  #financialeducation  #financialhelp ⁣ #financialdomination  #financial  #entrepreneurmom  #debt  #financiallyfree ⁣ #financialliteracy  #dollars  #studentloans 
High taste, low income?
High taste, low income?
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.
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.
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What are you passionate enough about to help change?
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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 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.
With just a little extra time every night, you can master one of these skills and slowly work your way to gaining income on the side. Potentially allowing you to quit your 9-5 job. #business #entrepreneur #businessmindset #startabusiness #businesstips #success #successfulbusiness #businessmentor #mentor #finance #trading #stocktrading #instagood #potd #wallst #wallstreet #investing #stockinvesting #warrenbuffett #timothysykes es #timsykes #budgeting #money #makemoney
With just a little extra time every night, you can master one of these skills and slowly work your way to gaining income on the side. Potentially allowing you to quit your 9-5 job. #business  #entrepreneur  #businessmindset  #startabusiness  #businesstips  #success  #successfulbusiness  #businessmentor  #mentor  #finance  #trading  #stocktrading  #instagood  #potd  #wallst  #wallstreet  #investing  #stockinvesting  #warrenbuffett  #timothysykes  es #timsykes  #budgeting  #money  #makemoney 
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Mid November check in! Not as much on the truck this month, because we have vaca coming up, plus setting aside funds for the holidays. Still decent progress!
#debtfreecommunity #debtfreejourney #budgeting #payingoffdebt #daveramsey
Please tell me what the hell I was thinking haha. Glad there was nothing I “needed” 🙄
#debtfree #debtfreecommunity #debtfreejourney #debtfreecanada #debtfreecommunitycanada #budget #budgeting #debtfreeliving #debtisdumb #debtfreegoals
#AgeOfMoney
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!!
#AgeOfMoney  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 !!
Satisfying your craving for travel is OK, even if you have debt. However, in order to do so without compromising your debt free journey, you need to know how to cut costs when you're on the road. Check out my blog on the keys to traveling cheap in my bio! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Satisfying your craving for travel is OK, even if you have debt. However, in order to do so without compromising your debt free journey, you need to know how to cut costs when you're on the road. Check out my blog on the keys to traveling cheap in my bio! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🔸⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🔸⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🔸 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #debt  #debtfree  #debtfreecommunity  #debtfreejourney  #money  #millennial  #millennials  #budget  #budgeting  #personalfinance  #travel 
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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).
LORD, WHY ALL OF THESE FINANCIAL PROBLEMS⠀
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The Cash System Wallet is the ultimate envelope wallet rated ★★★★★ by over 12,000 budget-conscious users! ⠀
Perfect for the Dave Ramsey system, helping you to budget your cash and organize your cards. ⠀
Learn more...click link in profile.⠀
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The Cash System Wallet is the ultimate envelope wallet rated ★★★★★ by over 12,000 budget-conscious users! ⠀ Perfect for the Dave Ramsey system, helping you to budget your cash and organize your cards. ⠀ Learn more...click link in profile.⠀ ⠀ ⠀ #daveramsey  #cashenvelopewallet  #cashenvelopesystem  #debtfreecommunity  #debtfreejourney  #debtfree  #debtfreeliving  #budget  #budgeting  #daveramseybabysteps ⠀⠀ #cashsystemwallet  #TheBitLoomCo  #cashsystem ⠀⠀ #cashenvelopes  #DaveRamseyEnvelopeSystem ⠀⠀ #financialpeace  #cashflow  #coupon  #couponing ⠀⠀ #couponcommunity  #couponers  #debtisdumb ⠀⠀ #money  #finance  #savemoney  #savings  #sidehustle ⠀⠀ #BellaTaylor  #frugalliving 
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#financialpeace comes in the form of #cashenvelopes 🙌🏽😬
GIVEAWAY EXTENSION!  Don’t forget to like our Facebook page: Miss Frugal •
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ALREADY ENTERED? Tag 3 friends on this post and get more entries to win! #amazongiveaway •
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See original post for details. Ends Sunday 11/18 7pm PST. Thanks!
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!
Redid the budget after yesterday’s spending spree. I think we are good and back on track. Yay budgets.
Redid the budget after yesterday’s spending spree. I think we are good and back on track. Yay budgets.
Don’t let this be like you 😂 have a great weekend everyone! #millennialplanning
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Love this! -
#Repost @debtfreeweirdos with @get_repost
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Who will accept this challenge with me?! 🙋‍♀️•
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I have come up with a short list of why you should not go black friday shopping:
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1.) SPENDING TEMPATIONS ARE EVERYWHERE. Impulse buys and so called “door busters” should be called “budget busters”!•
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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. •
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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.•
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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). •
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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. •
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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•
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7.) YOU COULD DIE. I don’t want anyone, especially in the debt free community, being trampled in a stampede.•
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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. 🦃🥰•
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#daveramsey #thankful #babystep2 #beintentional #debtfreecommunity #debtfreejourney #daveramseybabysteps #totalmoneymakeover #financialfreedom #financialpeace #financialpeaceuniversity #beweird #beintentional #behaviormodification #debtfreeweirdos #budgeting #loveyourlifenottheirs #debtisdumb
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. 🦃🥰• • #daveramsey  #thankful  #babystep2  #beintentional  #debtfreecommunity  #debtfreejourney  #daveramseybabysteps  #totalmoneymakeover  #financialfreedom  #financialpeace  #financialpeaceuniversity  #beweird  #beintentional  #behaviormodification  #debtfreeweirdos  #budgeting  #loveyourlifenottheirs  #debtisdumb 
Yesterday we had a close call and here is why. Christmas is our month. We love alllllllllll things Christmas from the atmosphere, the spirit of Christmas to decorating the tree as a family, holiday movies, cooking, baking and cleaning...You get the gist. We always go all out and spend spend spend.
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This year we made a conscious effort to write our December budget early and reduce all the unnecessary spending. This budget includes our reduced Christmas budget and the purchasing of two beds for our middle boys. Yesterday I received another maternity cheque in the mail (the plan is to put all maternity cheques directly to our debt) but in our excitement we said we would use that money for Christmas and buy the beds when we got paid in December. I know to some this may seem okay because at least there is a plan but guys this is where we always go wrong. I can assure you that in December that money  would've been wasted on more junk and would never be paid back to our debt. .
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I had a reality check with myself and immediately logged on and put that entire cheque to my loan before the devil on my left shoulder persuaded me to do otherwise. Whew!! Close call 😅 - KJ
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#realitywiththejoneses #debtfreecommunity #debtisdumb #roadtofinancialfreedom #debtfree #debtfreedom #debtfreejourney #debtfreelife #debtfreegoals #debtsucks #debtfreesnowball #finanicalpeace #daveramsey #moneymanagement #moneyskills #daveramseybabysteps #budgeting #goalsetting #nomoredebt #everypennycounts #payingoffdebt #savingmoney #motivation #debtfreeliving #sidehustle #debtsnowball #budgetplanner
Yesterday we had a close call and here is why. Christmas is our month. We love alllllllllll things Christmas from the atmosphere, the spirit of Christmas to decorating the tree as a family, holiday movies, cooking, baking and cleaning...You get the gist. We always go all out and spend spend spend. . . . This year we made a conscious effort to write our December budget early and reduce all the unnecessary spending. This budget includes our reduced Christmas budget and the purchasing of two beds for our middle boys. Yesterday I received another maternity cheque in the mail (the plan is to put all maternity cheques directly to our debt) but in our excitement we said we would use that money for Christmas and buy the beds when we got paid in December. I know to some this may seem okay because at least there is a plan but guys this is where we always go wrong. I can assure you that in December that money would've been wasted on more junk and would never be paid back to our debt. . . . I had a reality check with myself and immediately logged on and put that entire cheque to my loan before the devil on my left shoulder persuaded me to do otherwise. Whew!! Close call 😅 - KJ . . . #realitywiththejoneses  #debtfreecommunity  #debtisdumb  #roadtofinancialfreedom  #debtfree  #debtfreedom  #debtfreejourney  #debtfreelife  #debtfreegoals  #debtsucks  #debtfreesnowball  #finanicalpeace  #daveramsey  #moneymanagement  #moneyskills  #daveramseybabysteps  #budgeting  #goalsetting  #nomoredebt  #everypennycounts  #payingoffdebt  #savingmoney  #motivation  #debtfreeliving  #sidehustle  #debtsnowball  #budgetplanner 
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
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 
#AEC #sanDiego #AECmgmt #DesignFirms #budgeting
@CavignacIns @aiasandiego @ULISANDIEGOTJ
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 #AEC  #sanDiego  #AECmgmt  #DesignFirms  #budgeting  @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! 🎉🎊
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
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!
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!
Another Black Friday ad to help keep you within your 🎄🎅🏼 holiday budget!  Check it out on the blog! www.bargainbrother.com or click on link in bio.#bargain #bargainbrother #couponcommunity #couponing #couponingcommunity #debtfreecommunity #debtfreeliving #blackfriday #blackfriday2018 #sale #deals #savemoney #savingmoney #budget #budgeting @bargain.brother
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. 
Recipe..
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- Pear Juice
- Bubbly Water - Vodka
- Vanilla Bean
- Thyme - Cinnamon
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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 :)
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. Recipe.. . - 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 :)
Think these work? 🤔
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🚨I do LIVE Q&A every week! Turn on post notifications to get notified
Think these work? 🤔 🗣Follow @alexhartsuff for daily money management tricks, tips and hacks! 🚨I do LIVE Q&A every week! Turn on post notifications to get notified
This client started at a 568 and look she’s gained 130 points 🙌🏾🙌🏾🙌🏾🙌🏾 I produce real results. If you’re looking to fix your credit for the new year comment or dm “ME”
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#financialfreedom #credit #financialadvisor #finance #financialdomination #creditrepair #inspirationalquotes #inspiration #money #savingmoney #savings #thinkmoney #livesmarter  #cutyourcost  #homebuyers #goals #empowerment #empoweringacommunity #empirestateofmind #girlboss #wealth #rich #womeninbusiness #debtfreecommunity #debt #savemoney #budgeting
This client started at a 568 and look she’s gained 130 points 🙌🏾🙌🏾🙌🏾🙌🏾 I produce real results. If you’re looking to fix your credit for the new year comment or dm “ME” 💰 📈 💰 💰 💰 💰 💰 💳 💳 #financialfreedom  #credit  #financialadvisor  #finance  #financialdomination  #creditrepair  #inspirationalquotes  #inspiration  #money  #savingmoney  #savings  #thinkmoney  #livesmarter  #cutyourcost  #homebuyers  #goals  #empowerment  #empoweringacommunity  #empirestateofmind  #girlboss  #wealth  #rich  #womeninbusiness  #debtfreecommunity  #debt  #savemoney  #budgeting 
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💰Follow @alexhartsuff for more money spending hacks!
🚨Turn on post notifications to catch our LIVE Q&A!
Will this trick work? 🤔 💰Follow @alexhartsuff for more money spending hacks! 🚨Turn on post notifications to catch our LIVE Q&A!