an online Instagram web viewer

#daveramseyapproved medias

Photos

Better than chipotle burrito bowl! 
Recipe to come later. I am excited so say I have been working on a recipe e book! 
What sort of recipes do you like? 
#recipes #budgetmeal #food #cooking #homemademeals #intermittentfasting #tumeric #spices #avacado #budget #debtfreecommunity #daveramseyapproved #daveramsey #burritobowl
I kinda did this, but I didn’t go into debt to do it. When I was 19 I started a bikini blog, I would buy very expensive bikinis to share and take photos of. This habit hasn’t gone away but I’m not spending $400 on swimwear every second week. Now I only do it occasionally and actually sell a fair bit of it
I kinda did this, but I didn’t go into debt to do it. When I was 19 I started a bikini blog, I would buy very expensive bikinis to share and take photos of. This habit hasn’t gone away but I’m not spending $400 on swimwear every second week. Now I only do it occasionally and actually sell a fair bit of it
💁🏼‍♀️💁🏼‍♀️
💁🏼‍♀️💁🏼‍♀️
Take back the control in your life. You are choosing not to spend your money on shit. Be purposeful.
Take back the control in your life. You are choosing not to spend your money on shit. Be purposeful.
Looks like I need to start adding to the medical category again in our budget. Husbands new anti anxiety medication is $8.50 a month
Looks like I need to start adding to the medical category again in our budget. Husbands new anti anxiety medication is $8.50 a month
Hubs agreed to go to Oktoberfest.... AND play dress up with me 😂😂😂😻😻😻😻
Hubs agreed to go to Oktoberfest.... AND play dress up with me 😂😂😂😻😻😻😻
*Rant post ahead!* Just had to unfollow a couple people that feel the need to be judgemental twits. Personal finance, should be just that, personal. You shouldn’t judge others just because they chose to have a car payment or to go to school.. the dumbest thing I’ve heard.. “YOU CHOSE to go to school!” Well dummy, there’s nothing wrong with an education it’s not guaranteed you’ll ever get a job out of your degree but at least they attempted too, there’s nothing wrong with wanting to further your education.. and there’s NOTHING wrong with wanting a reliable vehicle and making payments, it doesn’t always mean someone’s trying to “keep up with the Joneses”.. not everyone has 10k just sitting around.. yes, Save up for it IF YOU CAN..but all circumstances are different and stop being judgmental pricks 😡
*Rant post ahead!* Just had to unfollow a couple people that feel the need to be judgemental twits. Personal finance, should be just that, personal. You shouldn’t judge others just because they chose to have a car payment or to go to school.. the dumbest thing I’ve heard.. “YOU CHOSE to go to school!” Well dummy, there’s nothing wrong with an education it’s not guaranteed you’ll ever get a job out of your degree but at least they attempted too, there’s nothing wrong with wanting to further your education.. and there’s NOTHING wrong with wanting a reliable vehicle and making payments, it doesn’t always mean someone’s trying to “keep up with the Joneses”.. not everyone has 10k just sitting around.. yes, Save up for it IF YOU CAN..but all circumstances are different and stop being judgmental pricks 😡
Here’s the deal... these are not long term replacements but so far they are holding up super well, look like the real deal, and it’s a GREAT way to see if you like something before putting all that money into it! So I highly recommend it! All of these were bought through amazon (other than the paint which was from lowes)
1. When all appliances are stainless and black except your dishwasher, you find a strong decal! That’s right... a FANCY sticker!! 👍🤷‍♀️
2. Paint... paint your doors, trim, and walls and it can be a quick and cheap transformation!
3. Backsplash... y’all, this is another sticker 😂 I tried to take the current backsplash off but couldn’t figure out how to keep the walls in good shape and not create more to repair so I decided to just put them on top. Then caulk around it and all the seams around the corners and edges and boom it looks like the real deal!
4. Counters... this is contact paper! Suuuuuuuper sticky contact paper! It’s thick but basically another sticker 🙌 FYI it goes on much easier with 2 people but is totally doable either way. 
5. Cabinets- 2 coats of paint really freshen things up! Again, paint does wonders!!
There’s our secrets in a nutshell! So if you’re looking for a cheaper fix or just want to test it out before shelling out the money, try these out!!
#gamechanger #diy #kitchenremodel #farmhouse #contactpaper #budget #daveramseyapproved
Here’s the deal... these are not long term replacements but so far they are holding up super well, look like the real deal, and it’s a GREAT way to see if you like something before putting all that money into it! So I highly recommend it! All of these were bought through amazon (other than the paint which was from lowes) 1. When all appliances are stainless and black except your dishwasher, you find a strong decal! That’s right... a FANCY sticker!! 👍🤷‍♀️ 2. Paint... paint your doors, trim, and walls and it can be a quick and cheap transformation! 3. Backsplash... y’all, this is another sticker 😂 I tried to take the current backsplash off but couldn’t figure out how to keep the walls in good shape and not create more to repair so I decided to just put them on top. Then caulk around it and all the seams around the corners and edges and boom it looks like the real deal! 4. Counters... this is contact paper! Suuuuuuuper sticky contact paper! It’s thick but basically another sticker 🙌 FYI it goes on much easier with 2 people but is totally doable either way. 5. Cabinets- 2 coats of paint really freshen things up! Again, paint does wonders!! There’s our secrets in a nutshell! So if you’re looking for a cheaper fix or just want to test it out before shelling out the money, try these out!! #gamechanger  #diy  #kitchenremodel  #farmhouse  #contactpaper  #budget  #daveramseyapproved 
We are making small steps this month I’ve changed the way I do my budgeting, immensely. I tend to wait til payday to create the budget now as I like to have as much of a heads up on upcoming events so that way there are less surprises along the way.. I’ve found that this way tends to really work for me. •
•
Small steps this payday 250 towards my car payoff savings account (this is not including the payment I make towards my car each month) and 300 towards my last credit card this is not going to make a dent in it since I bought that new clothes since nothing fit me, and that’s okay :) i needed the clothes since I started a new job and I wanted to feel good about myself each day is a learning experience. :)
We are making small steps this month I’ve changed the way I do my budgeting, immensely. I tend to wait til payday to create the budget now as I like to have as much of a heads up on upcoming events so that way there are less surprises along the way.. I’ve found that this way tends to really work for me. • • Small steps this payday 250 towards my car payoff savings account (this is not including the payment I make towards my car each month) and 300 towards my last credit card this is not going to make a dent in it since I bought that new clothes since nothing fit me, and that’s okay :) i needed the clothes since I started a new job and I wanted to feel good about myself each day is a learning experience. :)
Hubs was diagnosed with severe anxiety at the doctors. He finally managed to get himself to work and they sent him home for a fucking cold. Apparently it’s soo unsafe. That’s more money he won’t earn. The minute he is out the door I am reporting the work place for having unsafe work practises. Half the employees do cocaine in the car park at lunch! And they make their unqualified casual team climb up scaffolding. That’s absolutely against the law. I didn’t want to call them when hub’s is still working there because I didn’t want them to think it was him and he lose his job over it.
Hubs was diagnosed with severe anxiety at the doctors. He finally managed to get himself to work and they sent him home for a fucking cold. Apparently it’s soo unsafe. That’s more money he won’t earn. The minute he is out the door I am reporting the work place for having unsafe work practises. Half the employees do cocaine in the car park at lunch! And they make their unqualified casual team climb up scaffolding. That’s absolutely against the law. I didn’t want to call them when hub’s is still working there because I didn’t want them to think it was him and he lose his job over it.
Good morning #dfc happy Monday! Here I am getting ready to catch the bloody bus into work and I’m cold and tired. I spent all night having nightmares about my death, so I woke up every few hours 😩😩
Good morning #dfc  happy Monday! Here I am getting ready to catch the bloody bus into work and I’m cold and tired. I spent all night having nightmares about my death, so I woke up every few hours 😩😩
What’s everyone’s November food budget?!? We are not hosting Thanksgiving but will be bringing some sides! We have 4 mouths in my house? I want to set a reasonable budget but really want to shave ours down. Our food is the biggest envelope for us! 🙄 I shop at aldi to keep costs down but my husband eats a lot of meat! 🤦🏻‍♀️ at baby step 6 he doesn’t want to eat beans and rice. He won’t actually! 🙄🙄🙄🙄 😂😂😂😂 Tell me your holiday month budgets! I need to get my husband on a cheaper food budget program! #foodbudget #debtfreecommunity #debtfree #debtfreejourney #debtfreelivin #daveramsey #daveramseybabysteps #daveramseyapproved #daveramseyplan #november #novemberiscoming #thanksgiving #thanksgivingdinner #aldi #frugal #spendless #minimalist #minimalism #mortgagefree #cashenvelopesystem #cashenvelopes
What’s everyone’s November food budget?!? We are not hosting Thanksgiving but will be bringing some sides! We have 4 mouths in my house? I want to set a reasonable budget but really want to shave ours down. Our food is the biggest envelope for us! 🙄 I shop at aldi to keep costs down but my husband eats a lot of meat! 🤦🏻‍♀️ at baby step 6 he doesn’t want to eat beans and rice. He won’t actually! 🙄🙄🙄🙄 😂😂😂😂 Tell me your holiday month budgets! I need to get my husband on a cheaper food budget program! #foodbudget  #debtfreecommunity  #debtfree  #debtfreejourney  #debtfreelivin  #daveramsey  #daveramseybabysteps  #daveramseyapproved  #daveramseyplan  #november  #novemberiscoming  #thanksgiving  #thanksgivingdinner  #aldi  #frugal  #spendless  #minimalist  #minimalism  #mortgagefree  #cashenvelopesystem  #cashenvelopes 
#sundaymotivation We have all dreamed of winning the lottery to become a millionaire. Friends and colleagues ask you; What would you do with the money? Would you still work?
•
Instead we should ask; What will you do when you are out of debt? Will you still work here? How much will you invest to ensure you retire a millionaire?
•
Like @chrishogan360 says, the plan works if people work it. Let me know if you need help getting a plan in place.
•
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.
#sundaymotivation  We have all dreamed of winning the lottery to become a millionaire. Friends and colleagues ask you; What would you do with the money? Would you still work? • Instead we should ask; What will you do when you are out of debt? Will you still work here? How much will you invest to ensure you retire a millionaire? • Like @chrishogan360 says, the plan works if people work it. Let me know if you need help getting a plan in place. • 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.
Sounds like a scam in the making 😂😂💁🏼‍♀️
Sounds like a scam in the making 😂😂💁🏼‍♀️
🤷🏼‍♀️🤷🏼‍♀️🤷🏼‍♀️
🤷🏼‍♀️🤷🏼‍♀️🤷🏼‍♀️
The numbers are slowly going down! We don’t exactly snowball anymore. I pick a round number that I want each debt to look like and get it there by the end of the month. Another $493 to go 💸💸💸💸💸💸💸💸💸💸💸💸
The numbers are slowly going down! We don’t exactly snowball anymore. I pick a round number that I want each debt to look like and get it there by the end of the month. Another $493 to go 💸💸💸💸💸💸💸💸💸💸💸💸
How’s my shopping detox going you ask? #100dayshoppingdetox I’ve ordered one review cardigan from eBay since the last time I mentioned it. I did not go online for reviews 40% off sale prices - you guys would have been so proud... but you shouldn’t be, I didn’t buy anything because I own it all already 😂💁🏼‍♀️
How’s my shopping detox going you ask? #100dayshoppingdetox  I’ve ordered one review cardigan from eBay since the last time I mentioned it. I did not go online for reviews 40% off sale prices - you guys would have been so proud... but you shouldn’t be, I didn’t buy anything because I own it all already 😂💁🏼‍♀️
I’ve already looked up my next car. At maximum the Mazda 3 2010 model - 5 years newer than my current Mazda - is $10,500. I have also seen it go for as low as $5,000. I don’t think we will spend more then 16k on two new cars for the both of us. What car do you want next and what are you willing to spend?
I’ve already looked up my next car. At maximum the Mazda 3 2010 model - 5 years newer than my current Mazda - is $10,500. I have also seen it go for as low as $5,000. I don’t think we will spend more then 16k on two new cars for the both of us. What car do you want next and what are you willing to spend?
Pasta tonight. 1/4 of a $0.65 pasta packet, $1.70 pasta sauce, $4 500g of mince plus some grated cheese
Pasta tonight. 1/4 of a $0.65 pasta packet, $1.70 pasta sauce, $4 500g of mince plus some grated cheese
Shame you can’t resell them 😂😂😂
Shame you can’t resell them 😂😂😂
Accidentally made two posts with the same colour background so I had to make a whole heap more to break the colour up because remaking this one is just a pain in the ass 😩 this week’s budget is only my pay since my husband didn’t work. Notice how there’s no weed this week? 😏😏😏 hubs has no income so he can’t buy it... I almost call that a win myself 😂😂
Accidentally made two posts with the same colour background so I had to make a whole heap more to break the colour up because remaking this one is just a pain in the ass 😩 this week’s budget is only my pay since my husband didn’t work. Notice how there’s no weed this week? 😏😏😏 hubs has no income so he can’t buy it... I almost call that a win myself 😂😂
Make good choices out there today guys
Make good choices out there today guys
Just a reminder today
Just a reminder today
New tyres this week for $316. My step dad went hunting to find the best deal for me. Hopefully this helps out fuel consumption. Just gotta send him the money on payday because I don’t want to take it out of our EF. Next step is the 10,000k service for $350
New tyres this week for $316. My step dad went hunting to find the best deal for me. Hopefully this helps out fuel consumption. Just gotta send him the money on payday because I don’t want to take it out of our EF. Next step is the 10,000k service for $350
Ali Wong, cracks me up. She breast fed because it was free
Ali Wong, cracks me up. She breast fed because it was free
Breakfast for lunch with my boo $18
Breakfast for lunch with my boo $18
Since I know how much you guys like my fashion, I thought I would share my Melbourne Cup outfit. I go to the races every year with my grandparents and have for the last 10 years
Since I know how much you guys like my fashion, I thought I would share my Melbourne Cup outfit. I go to the races every year with my grandparents and have for the last 10 years
#saturdayvibes Get a plan in place and sacrifice today for a better tomorrow.
•
Repost @anthonyoneal
•
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.
#saturdayvibes  Get a plan in place and sacrifice today for a better tomorrow. • Repost @anthonyoneal • 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.
Not enjoying this over 25 bullshit. Getting sick and tired all the time
Not enjoying this over 25 bullshit. Getting sick and tired all the time
**should I buy another floral skirt 😂😂 I’m not actually, I just thought this was too funny not to share
**should I buy another floral skirt 😂😂 I’m not actually, I just thought this was too funny not to share
Frozen stir fry veggies, honey, hoisin sauce, chicken and salt 💁🏼‍♀️ #easypeasy
Frozen stir fry veggies, honey, hoisin sauce, chicken and salt 💁🏼‍♀️ #easypeasy 
What does your view look like?
What does your view look like?
So interesting to see where this is at. My super fund has grown so much since the beginning of this financial year. I can’t wait to see my next statement
So interesting to see where this is at. My super fund has grown so much since the beginning of this financial year. I can’t wait to see my next statement
😂😂😂
😂😂😂
#funfriday David from @freedomintwo invited me to be on his podcast to share with him all what I do. First time being on a podcast and I really enjoyed it!
•
If you want me to be on your blog or podcast just reach out via DM. I love to collaborate within this community.
•
Give the podcast a listen and let me know your thoughts! Happy Friday!
•
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.
#funfriday  David from @freedomintwo invited me to be on his podcast to share with him all what I do. First time being on a podcast and I really enjoyed it! • If you want me to be on your blog or podcast just reach out via DM. I love to collaborate within this community. • Give the podcast a listen and let me know your thoughts! Happy Friday! • 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.
So this past month, I had the opportunity to work as a contractor at the Concordia Summit. The Concordia Summit is a bipartisanship focused on bringing global influencers to discuss - current issues. I was excited for the work - which was scheduling meetings for dignitaries and media. 
I met Secretary of Transportation Elaine Chao, Jennifer Lawrence and Ivanka Trump (not pictured). While that was fun - I got to meet and listen to former White House aides - Denis McDonough and Thomas McLarty, former Obama administration alum - Jeh Johnson, and Mayor Keisha Bottoms, Atlanta. I also listened to Lyft’s presentation and Postmates Vikrum Aiyer on the importance of a diversified income economy - and platform curated revenue generation. 💛

Easiest money I ever made because I enjoyed what I learned far more than what I earned. Looking forward to doing more contracting as a side hustle in NYC. 💛

#debtfreecommunity #debtfreejourney #debtfree #debtsucks #debtfreeisthenewsexy #debtfreetwins #debtfreeby29 #debtfree2021 #cashmeoutsidehowboutdat #cashisking #daveramsey #daveramseybabysteps #daveramseyapproved #babystep2 #financialfreedom #financialpeaceuniversity #financiallyfit #personalfinance #financialfortitude
So this past month, I had the opportunity to work as a contractor at the Concordia Summit. The Concordia Summit is a bipartisanship focused on bringing global influencers to discuss - current issues. I was excited for the work - which was scheduling meetings for dignitaries and media. I met Secretary of Transportation Elaine Chao, Jennifer Lawrence and Ivanka Trump (not pictured). While that was fun - I got to meet and listen to former White House aides - Denis McDonough and Thomas McLarty, former Obama administration alum - Jeh Johnson, and Mayor Keisha Bottoms, Atlanta. I also listened to Lyft’s presentation and Postmates Vikrum Aiyer on the importance of a diversified income economy - and platform curated revenue generation. 💛 Easiest money I ever made because I enjoyed what I learned far more than what I earned. Looking forward to doing more contracting as a side hustle in NYC. 💛 #debtfreecommunity  #debtfreejourney  #debtfree  #debtsucks  #debtfreeisthenewsexy  #debtfreetwins  #debtfreeby29  #debtfree2021  #cashmeoutsidehowboutdat  #cashisking  #daveramsey  #daveramseybabysteps  #daveramseyapproved  #babystep2  #financialfreedom  #financialpeaceuniversity  #financiallyfit  #personalfinance  #financialfortitude 
Me making plans this weekend with only $25 in my cash envelopes. 🙏🏾
Me making plans this weekend with only $25 in my cash envelopes. 🙏🏾
😂😂😂 Saw this as a #sidehustle  suggestion for a #davejob in a #daveramsey group .
.
.
#daveramseybabysteps #daveramseyapproved #financialpeaceuniversity
There’s nothing like celebrating your date night at home, playing a game of monopoly, eating a wonderful home cooked meal from your favorite recipe. ❤️
We’ve really enjoyed spending our evenings at home (admittedly watching the voice Monday & Tuesday). *I LOVE Kelly Clarkson* ❤️
We don’t need fancy movie theaters that we pay $10 each a ticket for ya’ll. 
#frugalliving #daveramsey #gazelleintense #daveramseyapproved #livelikenooneelse
There’s nothing like celebrating your date night at home, playing a game of monopoly, eating a wonderful home cooked meal from your favorite recipe. ❤️ We’ve really enjoyed spending our evenings at home (admittedly watching the voice Monday & Tuesday). *I LOVE Kelly Clarkson* ❤️ We don’t need fancy movie theaters that we pay $10 each a ticket for ya’ll. #frugalliving  #daveramsey  #gazelleintense  #daveramseyapproved  #livelikenooneelse 
Student loans 🙄 Good news is, I literally became a nerd overnight 🤓 I’m living proof that anyone can embrace this journey. I used to spend and not think twice and once all my money was gone, I’d ask Kenny for his 🙋🏾‍♀️🤣 Completely different story now 💛
Student loans 🙄 Good news is, I literally became a nerd overnight 🤓 I’m living proof that anyone can embrace this journey. I used to spend and not think twice and once all my money was gone, I’d ask Kenny for his 🙋🏾‍♀️🤣 Completely different story now 💛
Just in case you forgot
Just in case you forgot
Looking at this pic I could just kick myself and cry.

I stupidly bought a BMW when my husband and I split up nearly 7 years ago. I wanted something cool. I’d driven a Tarago for years and fell in love with this sexy 2 door car.

Everything that could break, broke. I had a dodgy mechanic who appeared to fix things but then a month later, no surprise, something else would break. When I started this debt free journey I went through netbank and calculated how much money I’d spent on fixing it. Wait for it.
.
.
.
.
.
.
.
.
.
.
.
.
$57,000

What a fucking waste of money. In the end it ended up having oil where the water should be and vice versa and was going to cost $7000 minimum to fix. I told the mechanic to ead and bought a sweet little Laser for $1200. Best decision EVER. I’m not out to impress anyone. I have grown so much as a person. I’m literally a completely different version of myself than I was 7 years ago. I sold the bmw to my son’s boss for $300 and lay in bed sobbing, not for seeing it go, but lamenting my own stupidity. 
#wasteofmoney #biggestwasteofmoneyever #carexpenses #rippedoff #dodgymechanic #iamstupid #lessonlearned #cartrouble #somuchmoneywasted #somuchmoney #daveramsey #daveramseyapproved #dontbuyabmw #daveramseybabysteps #budget #debtfreecommunity #cheapcars #fordlaser
Looking at this pic I could just kick myself and cry. I stupidly bought a BMW when my husband and I split up nearly 7 years ago. I wanted something cool. I’d driven a Tarago for years and fell in love with this sexy 2 door car. Everything that could break, broke. I had a dodgy mechanic who appeared to fix things but then a month later, no surprise, something else would break. When I started this debt free journey I went through netbank and calculated how much money I’d spent on fixing it. Wait for it. . . . . . . . . . . . . $57,000 What a fucking waste of money. In the end it ended up having oil where the water should be and vice versa and was going to cost $7000 minimum to fix. I told the mechanic to ead and bought a sweet little Laser for $1200. Best decision EVER. I’m not out to impress anyone. I have grown so much as a person. I’m literally a completely different version of myself than I was 7 years ago. I sold the bmw to my son’s boss for $300 and lay in bed sobbing, not for seeing it go, but lamenting my own stupidity. #wasteofmoney  #biggestwasteofmoneyever  #carexpenses  #rippedoff  #dodgymechanic  #iamstupid  #lessonlearned  #cartrouble  #somuchmoneywasted  #somuchmoney  #daveramsey  #daveramseyapproved  #dontbuyabmw  #daveramseybabysteps  #budget  #debtfreecommunity  #cheapcars  #fordlaser 
I’ve decided to look at things with a positive mindset, inspired by the @accidental_investor ‘s recent posts. 
I had posted earlier today about finding out my son’s motorbike repairs were going to cost over $1200 (“OMG!” I thought!). I was having a pity party.

But then I thought, “hang on a sec, is it really that bad?” And the answer was “no” and I deleted the post.

You see, if this had happened 2 years ago when I lived off my credit card and had zero savings it would have been a complete end of the world moment.

But 2 years ago I woke up and started paying attention to my finances due to dropping back to part time work and wanting to be home more for my son.

And then I found @daveramsey and I really sorted myself out! Goodbye credit card, hello budgeting and being on a plan. As a single mum I had to be my own accountability partner but I also got to make all the decisions myself.

Fast forward to today’s “crisis”. It wasn’t one! Thanks to what I’d learnt over the past 2 years and to sticking with the baby steps I am now on steps 4,5 &6 with a healthy 6 months of expenses saved into my emergency fund. 
I am looking at this unexpected expense as a moment to be grateful for achieving financial peace. ——————————————————— #daveramsey #daveramseybabysteps #daveramseyplan #daveramseyapproved #daveramseywouldbeproud #financialfreedom #financialpeace #ozdebtfreecommunity #debtfreecommunityaustralia #cashisking #debtisdumb #ozdebtfreecommunity #budgeting #frugalmum #frugalliving #onabudget #budget #frugal #savingmoney #emergencyfund #cashenvelopes #pitypartyover #positivemindset
I’ve decided to look at things with a positive mindset, inspired by the @accidental_investor ‘s recent posts. I had posted earlier today about finding out my son’s motorbike repairs were going to cost over $1200 (“OMG!” I thought!). I was having a pity party. But then I thought, “hang on a sec, is it really that bad?” And the answer was “no” and I deleted the post. You see, if this had happened 2 years ago when I lived off my credit card and had zero savings it would have been a complete end of the world moment. But 2 years ago I woke up and started paying attention to my finances due to dropping back to part time work and wanting to be home more for my son. And then I found @daveramsey and I really sorted myself out! Goodbye credit card, hello budgeting and being on a plan. As a single mum I had to be my own accountability partner but I also got to make all the decisions myself. Fast forward to today’s “crisis”. It wasn’t one! Thanks to what I’d learnt over the past 2 years and to sticking with the baby steps I am now on steps 4,5 &6 with a healthy 6 months of expenses saved into my emergency fund. I am looking at this unexpected expense as a moment to be grateful for achieving financial peace. ——————————————————— #daveramsey  #daveramseybabysteps  #daveramseyplan  #daveramseyapproved  #daveramseywouldbeproud  #financialfreedom  #financialpeace  #ozdebtfreecommunity  #debtfreecommunityaustralia  #cashisking  #debtisdumb  #ozdebtfreecommunity  #budgeting  #frugalmum  #frugalliving  #onabudget  #budget  #frugal  #savingmoney  #emergencyfund  #cashenvelopes  #pitypartyover  #positivemindset 
Bills bills bills. We have a few things the last two weeks that were not bills (baby shower, birthday, kids school pictures). Have to pay the rest of our bills with tomorrow's paycheck. 
I love writing out my budget. Still have not gotten on the spreadsheet wagon yet.

#budget #budgetlife #daveramseyapproved #daveramsey #debtfreecommunity #debtfree #debtfreelife
Fall vibes 🍁🍂 probably never gonna take these boots off for the next 4 months 💁🏼‍♀️😍🎆🖤💖👢#budgetapproved #cash #fallclothes #boots #envelopesystem #cashenvelope #shopwithcash #debtfreegoals #debtfreecommunity #daveramsey #daveramseyapproved #debtfreejourney #walmartfinds #gazelleintense #cashisking #fallvibes #fallweather #happiness #inspire
I’m looking for some more Australian accounts to follow! Any suggestions? Tag them below also if you know of any other hashtags for the Aussie community let me know
I’m looking for some more Australian accounts to follow! Any suggestions? Tag them below also if you know of any other hashtags for the Aussie community let me know
#debtfree with a #debtfreebaby on the way for us OR debt free and back in the job that I’m doing now. Both of these would make me happy. Where are you going to be financially?
#debtfree  with a #debtfreebaby  on the way for us OR debt free and back in the job that I’m doing now. Both of these would make me happy. Where are you going to be financially?
When you’re in a wedding and the bridesmaids’ dresses are super affordable 👌🏻 🐨!
When you’re in a wedding and the bridesmaids’ dresses are super affordable 👌🏻 🐨!
Just a little perspective this morning
Just a little perspective this morning
Today I’m dead tired. I’m congested as fuck and have the biggest headache.
Today I’m dead tired. I’m congested as fuck and have the biggest headache.
Get back up and keep fighting! #debtfree #daveramsey #daveramseybabysteps #daveramseyplan #daveramseyapproved @daveramsey
#thursdaythoughts Intentionality. In my opinion, the key to success.
•
The root of the word ‘intentionality’ reflects the notion that it expresses, deriving from the Latin intentio, meaning ‘directed at’.
•
What are you directed at right now? If nothing, then someone else will direct for you.
•
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.
#thursdaythoughts  Intentionality. In my opinion, the key to success. • The root of the word ‘intentionality’ reflects the notion that it expresses, deriving from the Latin intentio, meaning ‘directed at’. • What are you directed at right now? If nothing, then someone else will direct for you. • 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.
Had lunch with my MIL and my nephew today. It was so lovely to see them both and to have the flexibility to leave the office to spend some time with them
Had lunch with my MIL and my nephew today. It was so lovely to see them both and to have the flexibility to leave the office to spend some time with them
⭐️Hope you are having a wonderful day! ☺️ We wanted to take a min and share our pride for being Dave Ramsey Endorsed Local Providers in Omaha! It’s a select group and we love the clients we get from his amazing network! Of course... whether you use Dave Ramsey or not... we love you! ⭐️ #daveramsey #financialfreedom #elp #daveramseyapproved #realestate #realtor #omaha #local #agents #teamwork #wesellhomes #home
I didn’t have this as a listed debt,  but it’s paid out again with my Christmas savings. I decided with all the stress I’ve had the last few days the only thing that removes the stress and that I enjoy doing is paying debt off 😂
I didn’t have this as a listed debt, but it’s paid out again with my Christmas savings. I decided with all the stress I’ve had the last few days the only thing that removes the stress and that I enjoy doing is paying debt off 😂
#websitewednesday Thinking about getting your finances in shape before the holidays?
•
Visit my website to learn about the services I offer, read real testimonials, and sign up for a free consultation.
•
Financial coaching services starting as low as $50.
#websitewednesday  Thinking about getting your finances in shape before the holidays? • Visit my website to learn about the services I offer, read real testimonials, and sign up for a free consultation. • Financial coaching services starting as low as $50.
Today’s power outfit 🌸 always in a skirt I swear
Today’s power outfit 🌸 always in a skirt I swear
One of my followers just messaged me about an illness she’s seen in the ER she works at. Cannabinoid hyperemesis syndrome. It matches all the description of what my husband is sick with. There’s no money for him to do anything next week, so he won’t be purchasing anymore. Thank fucking god 🎉🎉🎉
One of my followers just messaged me about an illness she’s seen in the ER she works at. Cannabinoid hyperemesis syndrome. It matches all the description of what my husband is sick with. There’s no money for him to do anything next week, so he won’t be purchasing anymore. Thank fucking god 🎉🎉🎉
He can’t make it through his shower this morning without vomiting. I expect he will be off for the rest of the week. He reckons he is going to try to go to work but I don’t think he will get there, if he does they will send him home.
He can’t make it through his shower this morning without vomiting. I expect he will be off for the rest of the week. He reckons he is going to try to go to work but I don’t think he will get there, if he does they will send him home.
Life time of free travel 💁🏼‍♀️
Life time of free travel 💁🏼‍♀️
Kids “ when are we going to the pumpkin patch ?” Me: “ when I get my inheritance check from my lost lost uncle the Prince of Nigeria “ 😂😂😂 .
.
.
#momlife #momtruth #daveramsey #daveramseyapproved #funcheaporfree #budgetbootcamp #jordanpage 
#momonabudget
Every time you spend money on “things” you are slowly (or quickly for some people) killing your chances to get ahead financially. Why work hard for a dollar instead of having your dollar work hard for you. I’m not necessarily mandating people to not spend money. But I’m a believer that most things in our life don’t bring value or happiness. Value what you spend your money on. Let your money work for you, eventually with consistency and persistency it will work harder than you one day. -
-
-
-
-
My motivational, educational, inspirational journey
👇👇👇
@journey2wealthy 🔥 💵
@journey2wealthy 🔥 💵
@journey2wealthy 🔥 💵
-
-
-
-
-
-
#investmentproperty #invest #investing #moneytips #investingtips #moneysaver #jimrohn #grantcardone #warrenbuffet #entrepreneurmind #escapetheratrace #investmentproperties #successtip #successhabits #millionairenextdoor #richdadpoordad #budgeting #financialindependence #financialeducation #financialfreedom #financialliteracy #personalfinance #daveramsey #daveramseyapproved #debtfreecommunity
Every time you spend money on “things” you are slowly (or quickly for some people) killing your chances to get ahead financially. Why work hard for a dollar instead of having your dollar work hard for you. I’m not necessarily mandating people to not spend money. But I’m a believer that most things in our life don’t bring value or happiness. Value what you spend your money on. Let your money work for you, eventually with consistency and persistency it will work harder than you one day. - - - - - My motivational, educational, inspirational journey 👇👇👇 @journey2wealthy 🔥 💵 @journey2wealthy 🔥 💵 @journey2wealthy 🔥 💵 - - - - - - #investmentproperty  #invest  #investing  #moneytips  #investingtips  #moneysaver  #jimrohn  #grantcardone  #warrenbuffet  #entrepreneurmind  #escapetheratrace  #investmentproperties  #successtip  #successhabits  #millionairenextdoor  #richdadpoordad  #budgeting  #financialindependence  #financialeducation  #financialfreedom  #financialliteracy  #personalfinance  #daveramsey  #daveramseyapproved  #debtfreecommunity 
🚗🚙🚕
🚗🚙🚕
No colours today #blackandwhite 😴😴😴
😂😂😂 that’s one way to keep up with the Jones’
😂😂😂 that’s one way to keep up with the Jones’
My employer for the new job will contribute 15.4% towards my retirement. I’m wondering in baby step 4, should I include an additional 15% or just keep it at 15.4% from my employer?
My employer for the new job will contribute 15.4% towards my retirement. I’m wondering in baby step 4, should I include an additional 15% or just keep it at 15.4% from my employer?
Another day another dollar paid towards debt! 💸💸💸💸💸💸💸💸💸💸💸💸
Another day another dollar paid towards debt! 💸💸💸💸💸💸💸💸💸💸💸💸
Because #YOLO 💁🏼‍♀️🤷🏼‍♀️
Because #YOLO  💁🏼‍♀️🤷🏼‍♀️
😂😂😂
😂😂😂
So excited to start our Financial Peace University class tonight!! We have followed the program for years but, I thought a reminder is always good!! Our church has a class!  Plus, if I ever want to teach it I have to take the class!!😃
#daveramsey #daveramseyplan #daveramseyapproved #financialpeace #frugalblogger #frugalbloggers #frugalfamily #frugal #frugality #livelikenooneelse #fpu #budgeting #budgetingtips #savingmoney #debtfreecommunity #debtfree #debtisdumb #debtisdumbcashisking #debtsnowball #debtfreeliving
So excited to start our Financial Peace University class tonight!! We have followed the program for years but, I thought a reminder is always good!! Our church has a class! Plus, if I ever want to teach it I have to take the class!!😃 #daveramsey  #daveramseyplan  #daveramseyapproved  #financialpeace  #frugalblogger  #frugalbloggers  #frugalfamily  #frugal  #frugality  #livelikenooneelse  #fpu  #budgeting  #budgetingtips  #savingmoney  #debtfreecommunity  #debtfree  #debtisdumb  #debtisdumbcashisking  #debtsnowball  #debtfreeliving 
#tiptuesday Dave’s team always says “we are in the crockpot business, not the microwave business”.
•
Financial freedom takes time, discipline and intentionality over a LONG period of time.
.•
Like anything in life, consistency is key. Make a plan for your money or it will disappear. It’s not too late to start in October.
•
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.
#tiptuesday  Dave’s team always says “we are in the crockpot business, not the microwave business”. • Financial freedom takes time, discipline and intentionality over a LONG period of time. .• Like anything in life, consistency is key. Make a plan for your money or it will disappear. It’s not too late to start in October. • 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.
Husband made it 10 minutes into the drive to work before he was sick apparently. So he didn’t go to work again today. I swapped my handbag over and left my keys to my desk draw at home. My laptop to do my work is locked in my draw. No one is here yet so I can’t ask them who to call if this happens. I’m stressed out of my fucking eye balls now. I’m just waiting for the fucking third thing to happen
Husband made it 10 minutes into the drive to work before he was sick apparently. So he didn’t go to work again today. I swapped my handbag over and left my keys to my desk draw at home. My laptop to do my work is locked in my draw. No one is here yet so I can’t ask them who to call if this happens. I’m stressed out of my fucking eye balls now. I’m just waiting for the fucking third thing to happen
Since, I’ve moved to Brooklyn. I’ve been clinching pennies tighter. Food is a luxury. Eating out here impacts the budget a lot more here. So I make food to last a week. It’s not quite meal prep because I make food to last a week and eat the leftovers each day. It’s not the most exciting but it has saved me money and inches on my waistline. Last week it was zucchini spaghetti, this week it will be stir fry. I eat oatmeal or cereal for breakfast so that’s the only change. I also snack less during the day because the meals make me so full.

Making it my goal to keep trying lower carb friendly meals. If you’re on the debt free journey and a weight loss journey like me, share some recipes!
Since, I’ve moved to Brooklyn. I’ve been clinching pennies tighter. Food is a luxury. Eating out here impacts the budget a lot more here. So I make food to last a week. It’s not quite meal prep because I make food to last a week and eat the leftovers each day. It’s not the most exciting but it has saved me money and inches on my waistline. Last week it was zucchini spaghetti, this week it will be stir fry. I eat oatmeal or cereal for breakfast so that’s the only change. I also snack less during the day because the meals make me so full. Making it my goal to keep trying lower carb friendly meals. If you’re on the debt free journey and a weight loss journey like me, share some recipes!
What would you do if you knew you couldn’t fail?
What would you do if you knew you couldn’t fail?
🙏🏻🙏🏻🙏🏻🙏🏻
🙏🏻🙏🏻🙏🏻🙏🏻
😂😂😂🤷🏼‍♀️
😂😂😂🤷🏼‍♀️
I hope to god I don’t regret this! I feel so guilty! I’m not going to celebrate this because I don’t feel it’s something to celebrate at all. I’m not happy about my choice at all. They’ve asked for a business case to increase the salary above base since the difference between 71k and 91k is so big. It will go out for approval for 4 weeks plus 2 weeks on boarding. I will have leave for Christmas! I feel fucking awful because my boss is off from work on a leave of absence due to her mum being diagnosed with cancer. She’s going to come back to no EA. I feel so guilty about it.
I hope to god I don’t regret this! I feel so guilty! I’m not going to celebrate this because I don’t feel it’s something to celebrate at all. I’m not happy about my choice at all. They’ve asked for a business case to increase the salary above base since the difference between 71k and 91k is so big. It will go out for approval for 4 weeks plus 2 weeks on boarding. I will have leave for Christmas! I feel fucking awful because my boss is off from work on a leave of absence due to her mum being diagnosed with cancer. She’s going to come back to no EA. I feel so guilty about it.
What an amazing experience with the #debtfreecommunity at the #sacvalleymeetup 
#1 take away: I am not alone! There is literally an entire community out there that supports and encourages each other. If you’re contemplating joining our #tribe just do it. We’re all waiting to cheer you on! 
#debtfreegoals #daveramseybabysteps #debtsnowball #debtfreeliving #debtfreecommunity #debtfreejourney #debtisdumb #daveramseyapproved #debt #cashisking #joinus
♥️♥️♥️
♥️♥️♥️
#moneymonday This is my why. Why I help people change their family tree and life forever.
•
More from the article “Furthermore, 56% of American adults have less than $10,000 saved for retirement when you combine the 33% who have nothing saved with the 23% who have a small amount saved.”
•
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.
#moneymonday  This is my why. Why I help people change their family tree and life forever. • More from the article “Furthermore, 56% of American adults have less than $10,000 saved for retirement when you combine the 33% who have nothing saved with the 23% who have a small amount saved.” • 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.
Hanging out listening to the Dave Ramsey pod cast while playing with the kids and me feeding the baby  @daveramsey he has no problem letting you know when you are wrong... we have to build though skin and take constructive criticism is for our own good don’t you want #financialfreedom #debtfreejourney #whatwedoathome #daveramseywouldbeproud #daveramsey #daveramseypodcast #daddyisoff #debtfreejourney #debt #debtisdumb #daveramseyapproved #babystep2 #debtfreedom #debtsnowball
Hanging out listening to the Dave Ramsey pod cast while playing with the kids and me feeding the baby @daveramsey he has no problem letting you know when you are wrong... we have to build though skin and take constructive criticism is for our own good don’t you want #financialfreedom  #debtfreejourney  #whatwedoathome  #daveramseywouldbeproud  #daveramsey  #daveramseypodcast  #daddyisoff  #debtfreejourney  #debt  #debtisdumb  #daveramseyapproved  #babystep2  #debtfreedom  #debtsnowball 
#debtfreejourney our journey started March 2018
Starting debt: $101,000
Current debt: $83,680.40
In 7 months we’ve paid total of $17,319.60
September alone $1,718.96
Proud to share our journey and our current balance as of October 2018, is not easy but it sure is exciting, every day is another step closer to becoming debt free, to no longer being just another number but to be in control of our lives, who ever sees this and you are on your #debtfreejourney remember you are not alone, this is being done on one income only, with 3 kids, who buy organic products (as you know eating healthy is expensive) and we are home owners, everything is possible with a budget and staying in track #cashisking #debtfreegoals #debtfreecommunity #daveramsey @daveramsey #daveramseybabysteps #daveramseyplan #daveramseyapproved #daveramseywouldbeproud #daveramseycommunity #debtsnowball #debtisdumb
#debtfreejourney  our journey started March 2018 Starting debt: $101,000 Current debt: $83,680.40 In 7 months we’ve paid total of $17,319.60 September alone $1,718.96 Proud to share our journey and our current balance as of October 2018, is not easy but it sure is exciting, every day is another step closer to becoming debt free, to no longer being just another number but to be in control of our lives, who ever sees this and you are on your #debtfreejourney  remember you are not alone, this is being done on one income only, with 3 kids, who buy organic products (as you know eating healthy is expensive) and we are home owners, everything is possible with a budget and staying in track #cashisking  #debtfreegoals  #debtfreecommunity  #daveramsey  @daveramsey #daveramseybabysteps  #daveramseyplan  #daveramseyapproved  #daveramseywouldbeproud  #daveramseycommunity  #debtsnowball  #debtisdumb