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Leaving work & headed to @nordstrom to shop their Anniversary Sale! Linked my favorite men’s & women’s items from the #nsale on the blog. Oh & everything’s under $100😉 #shopping
Leaving work & headed to @nordstrom to shop their Anniversary Sale! Linked my favorite men’s & women’s items from the #nsale  on the blog. Oh & everything’s under $100😉 #shopping 
#Repost from @debtfreegameon
Payday means sending another chunk of money to my smallest student loan! I get so excited to pay debt. It’s my favorite thing to do! 🎓💰🙈💪🏼💪🏼💪🏼 #debtfreegoals #studentloans #gettingoutofdebt #debtfreejourney #payingoffdebt #debtsucks #debtfreecommunity #singledebtfreecommunity #debtsucks #millennial #millennialdebt
Ok guys, as promised, I’m doing a 2k follower giveaway. I am so thankful for this #debtfreecommunity You all offer me so much support and encouragement. I love doing giveaways, to give back. One lucky follower will win a $25 gift card to Aldi. I know a lot of us struggle with our grocery budget, so hopefully this will help someone. If you don’t have an Aldi in your town, you can still enter, I’ll get you a gift card for the grocery store you shop at, if you win. To enter: make sure you follow me and leave a comment below, telling me your favorite item from Aldi. If you don’t have an Aldi, comment the grocery store you shop at. The giveaway will end Sunday July 21st at 9:00 pm eastern and I will announce the winner Monday. #debtfreejourney #daveramseybabysteps #daveramsey #frugalliving #debtisdumb #debtfreegoals
Ok guys, as promised, I’m doing a 2k follower giveaway. I am so thankful for this #debtfreecommunity  You all offer me so much support and encouragement. I love doing giveaways, to give back. One lucky follower will win a $25 gift card to Aldi. I know a lot of us struggle with our grocery budget, so hopefully this will help someone. If you don’t have an Aldi in your town, you can still enter, I’ll get you a gift card for the grocery store you shop at, if you win. To enter: make sure you follow me and leave a comment below, telling me your favorite item from Aldi. If you don’t have an Aldi, comment the grocery store you shop at. The giveaway will end Sunday July 21st at 9:00 pm eastern and I will announce the winner Monday. #debtfreejourney  #daveramseybabysteps  #daveramsey  #frugalliving  #debtisdumb  #debtfreegoals 
I have paid $550 towards debt already this month! 🙌🏼 My goal was $500, but you can’t just stop at your goal. You have to crush it! 🌟 •
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#debtfreecommunity #debtfreegoals #debtsnowball #babysteps #moneymoves #daveramseybabysteps #daveramsey #moneymanagement #budgeting #budget #budgettips #debt #payoff #goals #goaldigger
Just made a wicked #homemade chicken curry. Who needs expensive takeaways when you can cook something so delicious from scratch with what little you have in the cupboard/fridge/freezer
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Just made a wicked #homemade  chicken curry. Who needs expensive takeaways when you can cook something so delicious from scratch with what little you have in the cupboard/fridge/freezer . . . . . . . #moneysaving  #moneysavingexpert  #savingmoney  #moneysavingmeals  #frugal  #frugalliving  #frugallife  #frugalfood  #frugalfoodie  #thrifty  #thriftycooking  #thriftymeals  #mealideas  #whatsfordinner  #storecupboard  #curry  #chickencurry  #everypennycounts  #debtfreejourney  #debtfreegoals  #debtfreecommunity  #savenotspend 
"I'm a movement by myself, but I'm a force when we're together." 💪 .
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#powercouple #powercouplegoals #relationshipgoals #debtfreegoals #debtfreejourney #powerful #marriagelife
Now that I’ve updated my numbers, my debt payoff calculator is showing that we should be debt free May 2021.. when I first logged into this app a few months ago, it was estimating August 2021! Like I said in my previous post, things might slow down towards the end of the year once we have extra costs to factor in, but once we’ve adjusted to life including me back at work & Littlest at nursery, I’m sure we can pick things back up again! 💳🔨 #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debt #debtfreeliving #financialfreedom #financiallyfree #debtfreegoals #debtfreelifestyle #finance #credit #creditcard #lifestyle #mummymanagingmoney #debtmanagement #budget #budgeting #mummy #money #snowball #snowballmethod #family #estimate #debtfreedate #lessthanthree #2021
Now that I’ve updated my numbers, my debt payoff calculator is showing that we should be debt free May 2021.. when I first logged into this app a few months ago, it was estimating August 2021! Like I said in my previous post, things might slow down towards the end of the year once we have extra costs to factor in, but once we’ve adjusted to life including me back at work & Littlest at nursery, I’m sure we can pick things back up again! 💳🔨 #debtfreecommunity  #debtfreejourney  #debtsnowball  #debtfree  #debt  #debtfreeliving  #financialfreedom  #financiallyfree  #debtfreegoals  #debtfreelifestyle  #finance  #credit  #creditcard  #lifestyle  #mummymanagingmoney  #debtmanagement  #budget  #budgeting  #mummy  #money  #snowball  #snowballmethod  #family  #estimate  #debtfreedate  #lessthanthree  #2021 
This is one of the reasons why we decided to go on our debt free journey.. We both want to travel to Japan 🇯🇵!!! It’s one our long time dreams and part of our bucket list lol knowing that we can actually save  up and pay off everything in cash one day keeps us motivated! This is what gives us strength to not give up! 👊🏼💥 being debt free and getting to travel?! ✈️ Yassss pleasee! 🙌🏼 #debtfreegoals #debtfreelife #debtfreejourney #debtfreecommunity #debtfreeliving #japantravel
This is one of the reasons why we decided to go on our debt free journey.. We both want to travel to Japan 🇯🇵!!! It’s one our long time dreams and part of our bucket list lol knowing that we can actually save up and pay off everything in cash one day keeps us motivated! This is what gives us strength to not give up! 👊🏼💥 being debt free and getting to travel?! ✈️ Yassss pleasee! 🙌🏼 #debtfreegoals  #debtfreelife  #debtfreejourney  #debtfreecommunity  #debtfreeliving  #japantravel 
🌈So with every storm brings rainbows.🌈
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This morning I delved into a bit of the current storm I am facing with you but see, I always try to spin things in a positive direction.....and in amongst all I also have a PRAISE report. 💕
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You see despite all of the circumstances I faced, one thing always stays lit within me, and that's my desire to SUCCEED.  I want to WIN at life and show others that they can OVERCOME. 😘
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So then we delve into a Taboo topic➡️ MONEY. .
You see Dave Ramseys Total Money Makeover was introduced to me in 2007 when my health issues were on the rise and I had to short sale my home in Virginia. I needed to find a way to tackle my debt.  And so I began my journey.  Reading, taking the Financial Peace Course and more.
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And as life has worked out I have bounced back and forth on this journey but I remained consistent towards my plan to achieve being "DEBT FREE."
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To date I have faced 💳 $45,000 medical debt 💳 $8,000 additional debt this past year medically due to high deductibles and my cancer scare.
💳 $11,000 of credit card debt when Tim lost his job in 2015.

And my praise report.....😘
You see these 15 bills! They are from 2018 alone!  And......
🔥 My medical debt is paid off
🔥 My credit card debt is paid off
🔥 My goal to being debt free is drawing near
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I have one final school loan that is millimeters away from being paid off.  And one last medical bill. 2019 is my plan to being debt free outside of my mortgage. .
Then onto step #3 and on my way to SUCCESS!
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Why do I tell you this?! Dave Ramsey baby!!!
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He will save your life! .
And remember to LIVE like NOONE else you need to LIVE like NOONE ELSE! 💸💕
🌈So with every storm brings rainbows.🌈 . This morning I delved into a bit of the current storm I am facing with you but see, I always try to spin things in a positive direction.....and in amongst all I also have a PRAISE report. 💕 . You see despite all of the circumstances I faced, one thing always stays lit within me, and that's my desire to SUCCEED. I want to WIN at life and show others that they can OVERCOME. 😘 . So then we delve into a Taboo topic➡️ MONEY. . You see Dave Ramseys Total Money Makeover was introduced to me in 2007 when my health issues were on the rise and I had to short sale my home in Virginia. I needed to find a way to tackle my debt. And so I began my journey. Reading, taking the Financial Peace Course and more. . And as life has worked out I have bounced back and forth on this journey but I remained consistent towards my plan to achieve being "DEBT FREE." . To date I have faced 💳 $45,000 medical debt 💳 $8,000 additional debt this past year medically due to high deductibles and my cancer scare. 💳 $11,000 of credit card debt when Tim lost his job in 2015. And my praise report.....😘 You see these 15 bills! They are from 2018 alone! And...... 🔥 My medical debt is paid off 🔥 My credit card debt is paid off 🔥 My goal to being debt free is drawing near . I have one final school loan that is millimeters away from being paid off. And one last medical bill. 2019 is my plan to being debt free outside of my mortgage. . Then onto step #3  and on my way to SUCCESS! . Why do I tell you this?! Dave Ramsey baby!!! . He will save your life! . And remember to LIVE like NOONE else you need to LIVE like NOONE ELSE! 💸💕
Well, July went a little differently than planned😅
🔸I only put minimums to my loans this month😭
🔸I won’t beat myself up about it, things happen! But I will not let this become a pattern. Next month will proceed as normal. Can’t let one bump in the road ruin everything else I’ve done!
🔸I can still make my 20k to debt goal if I stay focused, and that’s all the motivation I need to keep going.
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#debtfreecommunity #debtfreejourney #getoutofdebt #debtfreedom #debtfreegoals #studentloans #debtsnowball
Well, July went a little differently than planned😅 🔸I only put minimums to my loans this month😭 🔸I won’t beat myself up about it, things happen! But I will not let this become a pattern. Next month will proceed as normal. Can’t let one bump in the road ruin everything else I’ve done! 🔸I can still make my 20k to debt goal if I stay focused, and that’s all the motivation I need to keep going. . . . #debtfreecommunity  #debtfreejourney  #getoutofdebt  #debtfreedom  #debtfreegoals  #studentloans  #debtsnowball 
I know I had this happened! Luckily I plugged into these strategies where overdrafts are not my reality. It does not have to be yours. Comment "BANKS" and I will send you the info so You can pay YOU! #moneyinthebank #personalfinance #incomeshifting #debtfreegoals #money #financialfreedom #finances #refund #yourmoneymatters
It’s pay day! I’m updating my budget and excited to see my raise kick in! Wooooo!!!!! I hope y’all are having a great Friday and y’all are being kind to yourselves on this journey to financial freedom! 
#debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #financiallyfree #gazelleintense #debtfreeliving #debtisdumb #beweird #zerobasedbudget #budget #budgeting #debtsucks
I seriously do not want to cook today! 
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#debtfree  #debtisdumb #debtfreejourney #debtfreegoals #debt
Since we use #YNAB we don’t have a ton of cash on hand. It’s more of a virtual envelope system that seems to work best for us. But today required a trip by the ATM. I was good and only got out what I had budgeted for—which was for Anne’s spending money for camp. 
This week has been successful for staying on budget, but I’m not gonna lie...it’s been hard at times not to eat out or plan an activity that costs money. But I am enjoying time at home and have found that when you’re trying not to spend money, it allows for a lot more time at home to get things done. So that’s a win! 
We are looking forward to working in the yard and having dinner with friends (at home) this weekend. 
Since Michael recently started a new job this month, we are very excited to see how our budget will look come August!
#debtfree #debtfreecommunity #daveramseybabysteps #babystep1 #debtfreegoals #stewardship #moneytalk #motivation
Since we use #YNAB  we don’t have a ton of cash on hand. It’s more of a virtual envelope system that seems to work best for us. But today required a trip by the ATM. I was good and only got out what I had budgeted for—which was for Anne’s spending money for camp. This week has been successful for staying on budget, but I’m not gonna lie...it’s been hard at times not to eat out or plan an activity that costs money. But I am enjoying time at home and have found that when you’re trying not to spend money, it allows for a lot more time at home to get things done. So that’s a win! We are looking forward to working in the yard and having dinner with friends (at home) this weekend. Since Michael recently started a new job this month, we are very excited to see how our budget will look come August! #debtfree  #debtfreecommunity  #daveramseybabysteps  #babystep1  #debtfreegoals  #stewardship  #moneytalk  #motivation 
The truth hurts. When you cant afford to fix a problem in it's infancy it turns into a much worse one later down the road. This is why it can be extremely difficult to escape the cycle of poverty and why its important to take action on your finances

#Repost @worldstar
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Facts 💯 #WSHH
The truth hurts. When you cant afford to fix a problem in it's infancy it turns into a much worse one later down the road. This is why it can be extremely difficult to escape the cycle of poverty and why its important to take action on your finances #Repost  @worldstar • • • • • Facts 💯 #WSHH 
Most people don’t intend to fall into debt. It is often an unforeseen disaster, a loss of income or a another bill that tips them over the edge. Once you’re behind with one debt, the rest just seem to pile up too.

The sad fact about debt is that once you are down, it seems even harder to get yourself back on your feet. The outstanding payment grows at a frightening rate with interest and court fees. And then the threat of bailiffs hangs over you, and you fear you will lose even what you have.

That’s why Aunt Meg is here. Knowing your rights and getting professional help early on can make all the difference, especially if you’re a single parent struggling to keep your family life together.

Getting help before the Bailiffs threaten. Read full article here - https://buff.ly/2JEjsxi
Most people don’t intend to fall into debt. It is often an unforeseen disaster, a loss of income or a another bill that tips them over the edge. Once you’re behind with one debt, the rest just seem to pile up too. The sad fact about debt is that once you are down, it seems even harder to get yourself back on your feet. The outstanding payment grows at a frightening rate with interest and court fees. And then the threat of bailiffs hangs over you, and you fear you will lose even what you have. That’s why Aunt Meg is here. Knowing your rights and getting professional help early on can make all the difference, especially if you’re a single parent struggling to keep your family life together. Getting help before the Bailiffs threaten. Read full article here - https://buff.ly/2JEjsxi
I am hoping to pay off all my debt a year ahead of the calculated date... With side hustle, retraining, frugality and determination, I WILL DO IT! I want a good life for the kids, for us, to cut down working hours, to buy that bottle of Gin if I fancy it.. to book a holiday for us if we want too.. all those things we can’t do now.. But also, to not have to check my bank account to make sure I can afford to buy the milk and paper every week... #ukdebtfreecommunity #debtfreegoals #newlife
I am hoping to pay off all my debt a year ahead of the calculated date... With side hustle, retraining, frugality and determination, I WILL DO IT! I want a good life for the kids, for us, to cut down working hours, to buy that bottle of Gin if I fancy it.. to book a holiday for us if we want too.. all those things we can’t do now.. But also, to not have to check my bank account to make sure I can afford to buy the milk and paper every week... #ukdebtfreecommunity  #debtfreegoals  #newlife 
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#creditrepair #getstartedtoday #fridayspecial #creditreport #creditscore #fixmycredit #personalfinance #lifechanging #debtfreegoals #getoutofdebt
So true! Time and money slip through our hands like water if we are not intentional about how we spend it. #daveramsey #debtfreejourney #debtfreegoals
Hands down my favorite grocery app is Ibotta. I've used it since 2013. It takes me a while to get to a point where I can cash out, but it's fun. Now that we're on our #debtfreejourney all my app money is going to our debt. Going to cash out soon for my next round of payments! 💸
SHAMELESS PLUG: If you want to sign up for Ibotta, use my referral code to sign up and we can help each other earn: fgbug ☺️
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#debtfree #debtfreejourney #debtfreeliving #debt #debtfreegoals #debtfreecommunity #debtsnowball #financialfreedom #frugalliving #frugal #budget #budgeting #personalfinance #frugality #cashenvelopes
Hands down my favorite grocery app is Ibotta. I've used it since 2013. It takes me a while to get to a point where I can cash out, but it's fun. Now that we're on our #debtfreejourney  all my app money is going to our debt. Going to cash out soon for my next round of payments! 💸 SHAMELESS PLUG: If you want to sign up for Ibotta, use my referral code to sign up and we can help each other earn: fgbug ☺️ ..............… #debtfree  #debtfreejourney  #debtfreeliving  #debt  #debtfreegoals  #debtfreecommunity  #debtsnowball  #financialfreedom  #frugalliving  #frugal  #budget  #budgeting  #personalfinance  #frugality  #cashenvelopes 
There’s nothing like that feeling of freedom when you pay off one of your debts!

It’s like a weight has been lifted.

No more owing someone else.

The rest of the income you get is all yours!

Isn’t that a beautiful thought?! There are a ton of different methods for paying off your debt. I suggest you pick one and stick to it.

Randomly throwing extra money at a different debt each month will get you nowhere fast.

Pick one to pay off first. This will be your focus until it’s at zero. Then, you can go at the next one.

What debt are you focusing on first?
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#debtfreecommunity #debtfreejourney #debtfreeliving #freedomfromdebt #financiallyfree #financialindependence #financiallyfit #daveramsey #totalmoneymakeover #budgeting #debtfreedom #livelifebydesign #livelikenooneelse #moneycoach #financialcoach #retireearly #freedomisthegoal #livefreely #debtfreeliving #debtfreegoals
There’s nothing like that feeling of freedom when you pay off one of your debts! It’s like a weight has been lifted. No more owing someone else. The rest of the income you get is all yours! Isn’t that a beautiful thought?! There are a ton of different methods for paying off your debt. I suggest you pick one and stick to it. Randomly throwing extra money at a different debt each month will get you nowhere fast. Pick one to pay off first. This will be your focus until it’s at zero. Then, you can go at the next one. What debt are you focusing on first? . . . . . . #debtfreecommunity  #debtfreejourney  #debtfreeliving  #freedomfromdebt  #financiallyfree  #financialindependence  #financiallyfit  #daveramsey  #totalmoneymakeover  #budgeting  #debtfreedom  #livelifebydesign  #livelikenooneelse  #moneycoach  #financialcoach  #retireearly  #freedomisthegoal  #livefreely  #debtfreeliving  #debtfreegoals 
Happy Friday friends!! Today another SL FINALLY bites the dust! I have been struggling to stay the course. But today was a reminder that hard work really does pay off. It’s the small CONSISTENT decisions to put my financial future first that got me to the point to paying off another SL. I need to remember these moments when my FOMO sets in. This journey is just a chapter in my life and I will be better because of it. So what’s something you have accomplished recently? How do you stay the course when this get boring or tough? #debtfreecommunity #singledebtfreejourney #ballinonabudget #budgetsforlife #fincialfreedom #bosslady #debtfreegoals
Happy Friday friends!! Today another SL FINALLY bites the dust! I have been struggling to stay the course. But today was a reminder that hard work really does pay off. It’s the small CONSISTENT decisions to put my financial future first that got me to the point to paying off another SL. I need to remember these moments when my FOMO sets in. This journey is just a chapter in my life and I will be better because of it. So what’s something you have accomplished recently? How do you stay the course when this get boring or tough? #debtfreecommunity  #singledebtfreejourney  #ballinonabudget  #budgetsforlife  #fincialfreedom  #bosslady  #debtfreegoals 
Lots of debt reduction sheets out there. I highly recommend this one by Vertex42. Very user friendly! Shows you an estimated timeline for debt payoff and allows you to determine which debt is the best to payoff first. If you focus on debt snowball, debt avalanche, or my custom method of asset-less debt first this sheet has it all. Follow me so you don’t miss out when I share my method of debt payoff compared to debt snowball or debt avalanche. #debtfree #debtfreeliving #journeystartshere #daveramseybabysteps #debtfreegoals #debtfreecommunity #financialfreedom #financialadvisor #daveramsey #daveramseyplan #myplan #healthylifestyle
Lots of debt reduction sheets out there. I highly recommend this one by Vertex42. Very user friendly! Shows you an estimated timeline for debt payoff and allows you to determine which debt is the best to payoff first. If you focus on debt snowball, debt avalanche, or my custom method of asset-less debt first this sheet has it all. Follow me so you don’t miss out when I share my method of debt payoff compared to debt snowball or debt avalanche. #debtfree  #debtfreeliving  #journeystartshere  #daveramseybabysteps  #debtfreegoals  #debtfreecommunity  #financialfreedom  #financialadvisor  #daveramsey  #daveramseyplan  #myplan  #healthylifestyle 
Today I was cross checking my bank statement with my book & learned I had an extra $195.75 deposited from my job at college! 😏
I looked at my online account and they gave me a paycheck adjustment! 🙌🏼 What an awesome blessing! 💕
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#debtfreecommunity #moneymanagement #debtfreegoals #debtsnowball #babysteps #moneymoves #money #moneyinthebank #babystep2
#daveramsey #daveramseybabysteps #debtfreedom
WAR ON WASTE 🗑️
With season 2 due to start soon, I thought I would go back and re-watch all of season 1 of #waronwasteau
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It's so scary just how much we waste as a nation!
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It's also fuelling my little business idea.... Need to get cracking. 🙂
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#frugalliving #frugallife #minimalism #debtfreegoals #debtfreecommunity #waronwaste #letsmakeadifference #minimisingourlife
Why does this make me cringe to share?

When deep down I want to shout it from the freakin’ rooftops to inspire someone else out there! 
Payday used to always give me a sigh of relief....for a split second. Then the stress would creep back in. I got a Bachelors degree, landed a corporate job right out of college and still for the first 5 years I lived paycheck to paycheck.

I debated about sharing this.... But my teams payday is every single week, and my friends recently have made between $14 and $2,500 every WEEK. 
A few of which have made an extra $800 $3,500 and $15K on top of that! 
For a new coach this side hustle could mean a sigh of relief because it pays for their cell phone bill that month. Or for a more experienced coach that could be their entire mortgage in a WEEK. It’s so crazy to think what this has done for all of us and our families. 
Most of my team have full-time jobs (nurses, teachers, financial directors, marketing specialists, etc), have families (dog moms or moms of 1 or 6 kids!), and they tons of other commitments. But they are working in what we call “little pockets” of time throughout the day because it brings them joy, it gives them purpose and they are paying it forward with something they completely transformed their lives.

HOW are they doing it?

By sharing their health & fitness journey, empowering others, fearlessly putting themselves out there, being unapologetic about building a team of ladies that have in return become some of their best friends. 
For me it started as a fun little hobby that was making an extra couple hundred a month, to working part time a couple thousand dollars a month to now doing it full-time.

This is not to say look at me, or look at US. This is to say...if we can do it, YOU totally can do it! Just must be willing to learn, bust your butt and put yourself out there. Do you think this could be for you? Feel free to send in an application in bio & let’s chat 💙 <Beachbody does not guarantee any level of success or income from the Team Beachbody Coach Opportunity. Each Coach’s income depends on his or her own efforts, diligence, and skill.>
Why does this make me cringe to share? When deep down I want to shout it from the freakin’ rooftops to inspire someone else out there! Payday used to always give me a sigh of relief....for a split second. Then the stress would creep back in. I got a Bachelors degree, landed a corporate job right out of college and still for the first 5 years I lived paycheck to paycheck. I debated about sharing this.... But my teams payday is every single week, and my friends recently have made between $14 and $2,500 every WEEK. A few of which have made an extra $800 $3,500 and $15K on top of that! For a new coach this side hustle could mean a sigh of relief because it pays for their cell phone bill that month. Or for a more experienced coach that could be their entire mortgage in a WEEK. It’s so crazy to think what this has done for all of us and our families. Most of my team have full-time jobs (nurses, teachers, financial directors, marketing specialists, etc), have families (dog moms or moms of 1 or 6 kids!), and they tons of other commitments. But they are working in what we call “little pockets” of time throughout the day because it brings them joy, it gives them purpose and they are paying it forward with something they completely transformed their lives. HOW are they doing it? By sharing their health & fitness journey, empowering others, fearlessly putting themselves out there, being unapologetic about building a team of ladies that have in return become some of their best friends. For me it started as a fun little hobby that was making an extra couple hundred a month, to working part time a couple thousand dollars a month to now doing it full-time. This is not to say look at me, or look at US. This is to say...if we can do it, YOU totally can do it! Just must be willing to learn, bust your butt and put yourself out there. Do you think this could be for you? Feel free to send in an application in bio & let’s chat 💙
I’m thinking ahead because I want to hold my self accountable for every cent I get. Again thanks to @thebudgetmom for explaining things in detail of her reality that my reality has finally sunk in. Now these are projected numbers and you will see that it looks sloppy because I’m using an erasable pen so that I can change things if needed. I’m sure I’m forgetting things on here, and it will take time getting use to it. I can definitely say this will not be the outcome of having $$ as extra/save because as of right now I sit at a negative balance in my checking account. The thought of it is making me sick on how I’m giving my hard earned money away from my callous decisions. I do have a side hustle and I’m praying that I can make some of it up and of course get extra, which means more work and that’s ok, I know hard work pays off. Here’s to a fresh start 🙌🏽 snowballing will begin and can’t wait to see the results #debtfreecommunity #debtfreejourney #debtfreegoals #debtsnowball #debtmanagement #debtfreelife #debt #debtsucks
I’m thinking ahead because I want to hold my self accountable for every cent I get. Again thanks to @thebudgetmom for explaining things in detail of her reality that my reality has finally sunk in. Now these are projected numbers and you will see that it looks sloppy because I’m using an erasable pen so that I can change things if needed. I’m sure I’m forgetting things on here, and it will take time getting use to it. I can definitely say this will not be the outcome of having $$ as extra/save because as of right now I sit at a negative balance in my checking account. The thought of it is making me sick on how I’m giving my hard earned money away from my callous decisions. I do have a side hustle and I’m praying that I can make some of it up and of course get extra, which means more work and that’s ok, I know hard work pays off. Here’s to a fresh start 🙌🏽 snowballing will begin and can’t wait to see the results #debtfreecommunity  #debtfreejourney  #debtfreegoals  #debtsnowball  #debtmanagement  #debtfreelife  #debt  #debtsucks 
F R I Y A Y !!!! And it’s ||PAYDAY||
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I hope the community is having amazing Friday!!! Let the debt payments begin!
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We are making another large payment to our credit card. Just 3 more months of this stupid debt!
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#nospendchallenge #debtsnowball #arizona🌵 #spendingmoney #babystep2 #babysteps #livinglife #frugalliving #budget #adulting #adultingishard #daveramseybabysteps #daveramsey #debtjourney #debtfreecommunity #debtsnowball #debtfreejourney #debtfree #debt #debtfreeliving #cashisking #gazelleintense #debtfree #debtfreegoals #debtisdumb #zerobasebudget #california #boss #bossbabe
F R I Y A Y !!!! And it’s ||PAYDAY|| . I hope the community is having amazing Friday!!! Let the debt payments begin! . We are making another large payment to our credit card. Just 3 more months of this stupid debt! . #nospendchallenge  #debtsnowball  #arizona 🌵 #spendingmoney  #babystep2  #babysteps  #livinglife  #frugalliving  #budget  #adulting  #adultingishard  #daveramseybabysteps  #daveramsey  #debtjourney  #debtfreecommunity  #debtsnowball  #debtfreejourney  #debtfree  #debt  #debtfreeliving  #cashisking  #gazelleintense  #debtfree  #debtfreegoals  #debtisdumb  #zerobasebudget  #california  #boss  #bossbabe 
Just totting up all payments made this month! Pretty pleased with myself ... and Credit Card 3 is being paid off at the end of the month too! 🎉🎉 #ukdebtfreecommunity #debtfreegoals #monthlypayments
(NOT MY BUDGET Guys lol) I been telling my friend for YEARS it makes no sense to make all that money and not budget it, I guess I finally got through ❤️❤️ here’s a great example of an excel spreadsheet budget! I don’t care how you do it as long as you’re doing it ❤️😍❤️ #debtfreecommunity #debtfreejourney #debtfreeliving #debtfreegoals #debtfreelife
(NOT MY BUDGET Guys lol) I been telling my friend for YEARS it makes no sense to make all that money and not budget it, I guess I finally got through ❤️❤️ here’s a great example of an excel spreadsheet budget! I don’t care how you do it as long as you’re doing it ❤️😍❤️ #debtfreecommunity  #debtfreejourney  #debtfreeliving  #debtfreegoals  #debtfreelife 
Friday motivation! It's not a pay Friday for me, so I need a little extra boost to get me through the day. Luckily I have meal planning and the August budget to keep me occupied today! Can you believe it's almost August?! #daveramsey #daveramseybabysteps #babysteps #babystep2 #studentloans #frugal #budget #mealplan #mealprep #financialfreedom #financialpeace #totalmoneymakeover #debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtfreeliving #debtfreedom #debtfreegoals
Friday motivation! It's not a pay Friday for me, so I need a little extra boost to get me through the day. Luckily I have meal planning and the August budget to keep me occupied today! Can you believe it's almost August?! #daveramsey  #daveramseybabysteps  #babysteps  #babystep2  #studentloans  #frugal  #budget  #mealplan  #mealprep  #financialfreedom  #financialpeace  #totalmoneymakeover  #debtfreecommunity  #debtfreejourney  #debtfree  #debtsnowball  #debtfreeliving  #debtfreedom  #debtfreegoals 
We have a monthly manager’s meeting at work and I’m responsible for the logistics and catering. Yesterday we had Moe’s. I opened the receipt this morning and I got $15 in Moe’s Bucks. Whoohooo! 
#freefood #welcometomoes #budgetlife #budgetliving #debtfreejourney #debtfreecommunity #debtfreegoals #daveramseybabysteps #babystep2 #financialpeaceuniversity
Let's do a quick check on your New Year Resolutions. Oh those things? Have you forgotten about them since February? .
Some things take forever to really show results. I know how hard it is to keep a full head of steam when progress is moving slower than 🐌. ⠀
🌟 Debt Freedom ⠀
🌟 Saving for Big Fun Stuff⠀
🌟 Retirement⠀
It's like the dream that you keep working toward but it's still far off in the distance. .
This is when you need to buckle down and focus. This is when your momentum is really building. Looking backward you may feel stagnant, but things are just getting picking up pace. .
Don't Quit. Give it another few weeks. Push through, and you'll see it. Promise.
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#quoteoftheday #quote #moneyquote #hardwork #happiness #passion #grind #inspire #follow #followfriday #savemoney #debtfree
#financialfreedom #debtfreecommunity #diyfinance #budgetfriendly #savemoneylivebetter #debtfreejourney #debtfreedom #debtfreeisthenewsexy #debtfreeliving #debtfreelife #debtfreeAF #debtfreegoals #womenwhohustle #bosschick #womenentrepreneurs #ladyboss #femaleentrepreneur #hardworkpaysoff
Let's do a quick check on your New Year Resolutions. Oh those things? Have you forgotten about them since February? . Some things take forever to really show results. I know how hard it is to keep a full head of steam when progress is moving slower than 🐌. ⠀ 🌟 Debt Freedom ⠀ 🌟 Saving for Big Fun Stuff⠀ 🌟 Retirement⠀ It's like the dream that you keep working toward but it's still far off in the distance. . This is when you need to buckle down and focus. This is when your momentum is really building. Looking backward you may feel stagnant, but things are just getting picking up pace. . Don't Quit. Give it another few weeks. Push through, and you'll see it. Promise. . #quoteoftheday  #quote  #moneyquote  #hardwork  #happiness  #passion  #grind  #inspire  #follow  #followfriday  #savemoney  #debtfree  #financialfreedom  #debtfreecommunity  #diyfinance  #budgetfriendly  #savemoneylivebetter  #debtfreejourney  #debtfreedom  #debtfreeisthenewsexy  #debtfreeliving  #debtfreelife  #debtfreeAF  #debtfreegoals  #womenwhohustle  #bosschick  #womenentrepreneurs  #ladyboss  #femaleentrepreneur  #hardworkpaysoff 
5 years between these two pictures. 
I feel like I am almost completely unrecognisable.
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5 years ago I was in £18,000 of debt.
Credit cards, loans, catalogue accounts, over drafts and so much more.
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5 years ago I was engaged to someone I thought was 'it'. (3rd time lucky and all that...)
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5 years ago I was working in the security industry with not an end in sight. Fed up of long hours, early mornings and late nights.
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And then 5 years ago... Everything changed.
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You see, 5 years ago I was introduced to the magical world of running your own business, being an entrepreneur.
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It sparked a fire in me that I knew I was capable, and that i WANTED so much more out of life.
But, it put me more in to debt.
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I got a business loan for £2,500 for products and other business items. 
So now my debt racked up to over £20,000!!
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I spammed people HARD. .
And guess what, I didn't get anywhere.
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I was oblivious to everything.
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I was becoming more self confident and self assured that I knew what I wanted in my future. But my then-fiance wasn't happy about that.
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He actually said 'I don't like the person you've become'.
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We split up, I moved away and after that I didn't have much to do with the business I had started.
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Instead, I tried something else. And then something else. And then something else.
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What I'm trying to get at here, is that no matter where you start, you must START to become successful.
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5 years... It's a long time that passes so quick, and a lot can change. But the time will pass either way. .
Are you going to put your time to good use?
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Right now, I have one debt left on my credit file, for £100, and it will be gone soon.
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I have huge savings for the first time in my life.
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I have had a hard education where money is concerned, and my wasteful days are almost all behind me.
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If you want to start something special and make a change, get in touch.
Now is the best time.
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Who knows where it could lead you to be in 5 years time.
5 years between these two pictures. I feel like I am almost completely unrecognisable. . 5 years ago I was in £18,000 of debt. Credit cards, loans, catalogue accounts, over drafts and so much more. . 5 years ago I was engaged to someone I thought was 'it'. (3rd time lucky and all that...) . 5 years ago I was working in the security industry with not an end in sight. Fed up of long hours, early mornings and late nights. . And then 5 years ago... Everything changed. . You see, 5 years ago I was introduced to the magical world of running your own business, being an entrepreneur. . It sparked a fire in me that I knew I was capable, and that i WANTED so much more out of life. But, it put me more in to debt. . I got a business loan for £2,500 for products and other business items. So now my debt racked up to over £20,000!! . I spammed people HARD. . And guess what, I didn't get anywhere. . I was oblivious to everything. . I was becoming more self confident and self assured that I knew what I wanted in my future. But my then-fiance wasn't happy about that. . He actually said 'I don't like the person you've become'. . We split up, I moved away and after that I didn't have much to do with the business I had started. . Instead, I tried something else. And then something else. And then something else. . What I'm trying to get at here, is that no matter where you start, you must START to become successful. . 5 years... It's a long time that passes so quick, and a lot can change. But the time will pass either way. . Are you going to put your time to good use? . Right now, I have one debt left on my credit file, for £100, and it will be gone soon. . I have huge savings for the first time in my life. . I have had a hard education where money is concerned, and my wasteful days are almost all behind me. . If you want to start something special and make a change, get in touch. Now is the best time. . Who knows where it could lead you to be in 5 years time.
I’ve set a goal for myself to sell 50 items at roughly $10 each between now and the end of the year. That would give me $500 😍😍 My hope is to use this $500 to be the first extra student loan payment I make in January (if I reach our goal to pay off our credit card by December). I started listing on Mercari and I’m still on Poshmark - eBay has had zero hits for me in the past month so I moved on to easier platforms. I might look into LetGo too if I find some larger things to sell.  Anyone else have selling goals for the end of the year??
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#debtfreegoals #totalmoneymakeover #debtfreejourney #debtfreecommunity #sidehustle #poshmark #poshmarkseller #mercariseller #daveramsey #daveramseybabysteps #loanpayments #babystep2 #babysteps #babysteps👣 #financialfreedom #financialpeaceuniversity #debtsnowball #debtavalanche
I’ve set a goal for myself to sell 50 items at roughly $10 each between now and the end of the year. That would give me $500 😍😍 My hope is to use this $500 to be the first extra student loan payment I make in January (if I reach our goal to pay off our credit card by December). I started listing on Mercari and I’m still on Poshmark - eBay has had zero hits for me in the past month so I moved on to easier platforms. I might look into LetGo too if I find some larger things to sell. Anyone else have selling goals for the end of the year?? • #debtfreegoals  #totalmoneymakeover  #debtfreejourney  #debtfreecommunity  #sidehustle  #poshmark  #poshmarkseller  #mercariseller  #daveramsey  #daveramseybabysteps  #loanpayments  #babystep2  #babysteps  #babysteps 👣 #financialfreedom  #financialpeaceuniversity  #debtsnowball  #debtavalanche 
Popped to @poundworld today.. I went in a couple of days ago & bagged some bargains (Christmas gift wrapping mainly) & I decided I’d head back in to see if I could get any Halloween bits as it’s our turn with the kids this year. We won’t be up to anything terribly exciting, but figured we could have a mini Halloween party for the 5 of us.. picked this lot up for £2.78! 🎃 #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debt #debtfreeliving #financialfreedom #financiallyfree #debtfreegoals #debtfreelifestyle #finance #credit #creditcard #lifestyle #mummymanagingmoney #debtmanagement #budget #budgeting #mummy #money #snowball #snowballmethod #family #halloween #christmas #bargain #shopping #decorations
Popped to @poundworld today.. I went in a couple of days ago & bagged some bargains (Christmas gift wrapping mainly) & I decided I’d head back in to see if I could get any Halloween bits as it’s our turn with the kids this year. We won’t be up to anything terribly exciting, but figured we could have a mini Halloween party for the 5 of us.. picked this lot up for £2.78! 🎃 #debtfreecommunity  #debtfreejourney  #debtsnowball  #debtfree  #debt  #debtfreeliving  #financialfreedom  #financiallyfree  #debtfreegoals  #debtfreelifestyle  #finance  #credit  #creditcard  #lifestyle  #mummymanagingmoney  #debtmanagement  #budget  #budgeting  #mummy  #money  #snowball  #snowballmethod  #family  #halloween  #christmas  #bargain  #shopping  #decorations 
I’ve been carrying this balance since December y’all and it feels amazing to no longer have credit card debt.  I’m definitely motivated to keep going especially now that I see what sticking to a plan AND what budgeting can do.  My student loan is next and my overall goal for the rest of 2018 is to get that balance below $20K‼️
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#wheresthewine🍷 #debtfreejourney #debtsnowball #debtfreegoals #debtfreedom #debtfreeby30 #debtfreeisthenewsexy #debtfreefuture #debtfreeisthewaytobe
I’ve been carrying this balance since December y’all and it feels amazing to no longer have credit card debt. I’m definitely motivated to keep going especially now that I see what sticking to a plan AND what budgeting can do. My student loan is next and my overall goal for the rest of 2018 is to get that balance below $20K‼️ • • • #wheresthewine 🍷 #debtfreejourney  #debtsnowball  #debtfreegoals  #debtfreedom  #debtfreeby30  #debtfreeisthenewsexy  #debtfreefuture  #debtfreeisthewaytobe 
💳 Things you can start doing TODAY to aggressively improve your credit ✔️ focus on these:
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1. Credit Card Utilization
2. Payment History
3. Derogatory Marks
4. Age of Credit History
5. Total Accounts
6. Credit Inquiries
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1. Credit Card Utilization
Explained in the video - the lower the Utilization the better. Everything under 30% is GOOD and you want to be in this range. Spend less or increase your credit limit, those are your options here
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2. Payment History
They want to see good payment history – things to avoid would be missing a payment, late payment or only paying the minimum. Don’t miss a payment
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Optimize and set up automatic debits for your credit cards so they are paid in full every time automatically. Or make payments throughout the month, this will help guarantee you can make the payment by the time it’s due. Treat your credit card like a #debit card
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3. Derogatory Marks
These include dings on your record like missed payments, carrying a balance on your credit cards, sent to debt collections, bankruptcy, ohhhh no... DM me
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1 & 2 above will help avoid these ✔️
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4. Age of Credit History
The longer you have active credit accounts, the better. They take the average number of years for all your accounts into it
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Since you can’t speed up time, don’t apply for a new credit card right before you know your credit needs to be checked. Do it after
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5. Total Accounts
A lot of people think the more accounts you have is bad, that’s not necessarily true, as long as, they’re all in good standing order. Credit companies like to see you can handle a few #creditcards
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Having more credit available doesn't equal spending more #money. If spending is an issue, check my other post on the Wealth Machine (you need one)
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6. Credit Inquiries
Its best to avoid constantly having your credit checked. It makes it look like you’re in dire need to borrowing money and sets off a bit of a flag when they calculate your credit score. You are generally permitted 1 free check a year before they start getting counted.
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YOU'RE ALL SET! 💳
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#debtfreecommunity #creditrepair #debtfree #debtfreejourney #debtsnowball #debtfreegoals #debtfreeisthenewsexy #torontobloggers #babysteps
💳 Things you can start doing TODAY to aggressively improve your credit ✔️ focus on these: - 1. Credit Card Utilization 2. Payment History 3. Derogatory Marks 4. Age of Credit History 5. Total Accounts 6. Credit Inquiries - 1. Credit Card Utilization Explained in the video - the lower the Utilization the better. Everything under 30% is GOOD and you want to be in this range. Spend less or increase your credit limit, those are your options here - 2. Payment History They want to see good payment history – things to avoid would be missing a payment, late payment or only paying the minimum. Don’t miss a payment - Optimize and set up automatic debits for your credit cards so they are paid in full every time automatically. Or make payments throughout the month, this will help guarantee you can make the payment by the time it’s due. Treat your credit card like a #debit  card - 3. Derogatory Marks These include dings on your record like missed payments, carrying a balance on your credit cards, sent to debt collections, bankruptcy, ohhhh no... DM me - 1 & 2 above will help avoid these ✔️ - 4. Age of Credit History The longer you have active credit accounts, the better. They take the average number of years for all your accounts into it - Since you can’t speed up time, don’t apply for a new credit card right before you know your credit needs to be checked. Do it after - 5. Total Accounts A lot of people think the more accounts you have is bad, that’s not necessarily true, as long as, they’re all in good standing order. Credit companies like to see you can handle a few #creditcards  - Having more credit available doesn't equal spending more #money . If spending is an issue, check my other post on the Wealth Machine (you need one) - 6. Credit Inquiries Its best to avoid constantly having your credit checked. It makes it look like you’re in dire need to borrowing money and sets off a bit of a flag when they calculate your credit score. You are generally permitted 1 free check a year before they start getting counted. - YOU'RE ALL SET! 💳 - #debtfreecommunity  #creditrepair  #debtfree  #debtfreejourney  #debtsnowball  #debtfreegoals  #debtfreeisthenewsexy  #torontobloggers  #babysteps 
So when I started to look at my outgoings and where my money was going I got out all my food receipts for that week and my food spend was £95.99! I was in shock. I am buying food just for myself. I have a modest diet (partly because I am on a diet!) I take my own pack-lunch to work, I eat salad every days with some fruit and yoghurt, veg for dinner so my food shop was mostly fresh produce with zero wastage. My point is I’m not out buying expensive foods, lavish branded products and steaks every week! But still with no wastage this completely shocked me. Something had to change. So three weeks ago I switched to @aldiuk and have been able to get my food spend dramatically down. I still have to pop to another supermarket to pick up a few items that I cannot get at Aldi but this is very minimal. I have now given my self a starting budget of £40 a week / £160 a month with a slight £20 increase for 5 week months. So far this month my spend is coming in at £119.99 leaving me with a remaining £40.01 for the rest of the month which I think will be completely do able... I’ll let you know the final figures at the end of the month #debtfreefrankie #cashenvelopes #financialfreedom #frugalmeals #frugalfood #groceryshopping #grocerybudget #aldi
So when I started to look at my outgoings and where my money was going I got out all my food receipts for that week and my food spend was £95.99! I was in shock. I am buying food just for myself. I have a modest diet (partly because I am on a diet!) I take my own pack-lunch to work, I eat salad every days with some fruit and yoghurt, veg for dinner so my food shop was mostly fresh produce with zero wastage. My point is I’m not out buying expensive foods, lavish branded products and steaks every week! But still with no wastage this completely shocked me. Something had to change. So three weeks ago I switched to @aldiuk and have been able to get my food spend dramatically down. I still have to pop to another supermarket to pick up a few items that I cannot get at Aldi but this is very minimal. I have now given my self a starting budget of £40 a week / £160 a month with a slight £20 increase for 5 week months. So far this month my spend is coming in at £119.99 leaving me with a remaining £40.01 for the rest of the month which I think will be completely do able... I’ll let you know the final figures at the end of the month #debtfreefrankie  #cashenvelopes  #financialfreedom  #frugalmeals  #frugalfood  #groceryshopping  #grocerybudget  #aldi 
🙌🙌 My husband and I have always used money responsibly and invested wisely, but our passion to be financially independent has only been ignited in recent years. I feel very comfortable with my decision to live simply and mindfully in order to achieve our goal of early retirement and financial freedom.
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#goals #financialfreedom #financialindependence #debtfree #debtfreegoals #debtfreejourney #debtfreecommunity #livelikenooneelse #firecommunity #simpleliving #frugalliving #frugal #mortgagefree #mindfulliving #sustainableliving
🙌🙌 My husband and I have always used money responsibly and invested wisely, but our passion to be financially independent has only been ignited in recent years. I feel very comfortable with my decision to live simply and mindfully in order to achieve our goal of early retirement and financial freedom. • • • #goals  #financialfreedom  #financialindependence  #debtfree  #debtfreegoals  #debtfreejourney  #debtfreecommunity  #livelikenooneelse  #firecommunity  #simpleliving  #frugalliving  #frugal  #mortgagefree  #mindfulliving  #sustainableliving 
$1000 put towards my first snowball payment today!!! Minimum payment was $151.34 so an extra $850 down👌🏼 #debtfreeisthenewsexy #debtfree #debt #debtsucks #debtsnowball #debtfreedom #debtfreecommunity #debtfreejourney #debtfreegoals #debtrelief #debtmanagement #debtfreegoals #payment #creditcards
💯One day, or day one?💯
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@daveramsey @thesharkdaymond @grantcardone @elenacardone @edmylett @tonyrobbins
💯One day, or day one?💯 • • @daveramsey @thesharkdaymond @grantcardone @elenacardone @edmylett @tonyrobbins
I’ve had no access to money since last Sunday (due to a bank cock up I’ll get into later). All I’ve had for these whole 6 days were the £2.80 left in my Monzo account and a £5 note I had left in my purse! 😱 However annoying it has been, it’s really hit a massive point home for me, money-wise: if I can SEE it, I SPEND it.

I tend to leave a little cushion in my current account (and I literally mean maybe £15, £20 at a time, not any sort of real savings) in the event a direct debt comes out on a weird day for some reason or anything of that nature. But just KNOWING that money is there makes it SO easy for me to justify buying little bits here and there. And that’s exactly the mindset that got me into this mess in the first place. 🤔

I think now I’ve proven to myself I can actually exist and in fact SURVIVE without those little random purchases, it’ll make this journey a lot easier. Every cloud really does have a silver lining. ☁️😉
I’ve had no access to money since last Sunday (due to a bank cock up I’ll get into later). All I’ve had for these whole 6 days were the £2.80 left in my Monzo account and a £5 note I had left in my purse! 😱 However annoying it has been, it’s really hit a massive point home for me, money-wise: if I can SEE it, I SPEND it. I tend to leave a little cushion in my current account (and I literally mean maybe £15, £20 at a time, not any sort of real savings) in the event a direct debt comes out on a weird day for some reason or anything of that nature. But just KNOWING that money is there makes it SO easy for me to justify buying little bits here and there. And that’s exactly the mindset that got me into this mess in the first place. 🤔 I think now I’ve proven to myself I can actually exist and in fact SURVIVE without those little random purchases, it’ll make this journey a lot easier. Every cloud really does have a silver lining. ☁️😉
Yay! It’s finally payday! I can’t wait until I’m at a point in my life where I’m not counting down the days and hours until payday. Anyways, my direct deposit just kicked in but I’ve already “spent” my money. Meaning, I’ve created my zero-based budget and I’ve told my money where to go instead of wondering where it went. Swipe to see my budget! 
#DebtFreeJourney #DebtFreeCommunity #DebtFreeJourneySD #StudentLoans #CarLoan #CreditCardDebtSucks #CreditCardDebt #JourneyToFreedom  #Budget #DebtFreeGoals #DebtManagement #SnowAvalanche #DaveRamsey #TotalMoneyMakeover #FinancialFreedom #Adulting  #GazelleIntensity #NoNewDebt #Budgeting #Budget #DebtFreeDreams #FinancilHealth  #PersonalFinances #FinancialPeace  #ZeroBasedBudget #DebtIsDumb
Yay! It’s finally payday! I can’t wait until I’m at a point in my life where I’m not counting down the days and hours until payday. Anyways, my direct deposit just kicked in but I’ve already “spent” my money. Meaning, I’ve created my zero-based budget and I’ve told my money where to go instead of wondering where it went. Swipe to see my budget! #DebtFreeJourney  #DebtFreeCommunity  #DebtFreeJourneySD  #StudentLoans  #CarLoan  #CreditCardDebtSucks  #CreditCardDebt  #JourneyToFreedom  #Budget  #DebtFreeGoals  #DebtManagement  #SnowAvalanche  #DaveRamsey  #TotalMoneyMakeover  #FinancialFreedom  #Adulting  #GazelleIntensity  #NoNewDebt  #Budgeting  #Budget  #DebtFreeDreams  #FinancilHealth  #PersonalFinances  #FinancialPeace  #ZeroBasedBudget  #DebtIsDumb 
#godfamilyself #MCA #beastmode #workhardplayharder #debtfreegoals #retirementby45  #volunterrfirefighter
#dad #workethicspeaksforitself

Some days I feel like I'm cheating. This can't be a job, I love this. 6 month old takes up my spot anyways so I mind as well be making money. Gotta pay for that racecar.lol
🥂 Here is to reorganising my entire life... #debtfreejourney #debtfreegoals #debtfreecommunity #mindset #lifequotes #lifegoals #focus
So I’ve been doing the math.. this would be with the move we will be doing at the end of the month. We will be throwing about 2500/month towards debt.. this makes me so happy.. and this is me without a job.. planning to get a job in the next month so these numbers could possibly double. I’m stoked!! 😆😆 #debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtfreeliving #debtfreedom #debtfreegoals #debtrelief
Next to pay off: BOA CC at $3369.. well after this payment it'll be $2050!  I originally got this BOA card with 0% interest for a year to transfer some of the balance off my Delta Amex. The BOA limit was $4000 & it let me transfer like $3700 from Delta... I told myself I wouldn't max out my Delta card again buuuut yall know how that goes. Swipe swipe swipe & I almost maxed that sucker out again. The 0% expires at the end of this month so we're gonna bust our butts to pay this off by the end of the month! 
How are you guys doing this month?
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#personalfinance#daveramsey#babystep2#financialpeaceuniversity#financialfreedom#youngdumbandbroke#mytotalmoneymakeover#fpu#alaska#debtfreejourney#debtfreewannabe#debtsnowball#totalmoneymakeover#loveyourlifenottheirs#getoutofdebt#livelikenooneelse#debtfreegoals#debtfreecommunity#frugallife#budget#debtfree#debtfreemafia#snowball
Next to pay off: BOA CC at $3369.. well after this payment it'll be $2050! I originally got this BOA card with 0% interest for a year to transfer some of the balance off my Delta Amex. The BOA limit was $4000 & it let me transfer like $3700 from Delta... I told myself I wouldn't max out my Delta card again buuuut yall know how that goes. Swipe swipe swipe & I almost maxed that sucker out again. The 0% expires at the end of this month so we're gonna bust our butts to pay this off by the end of the month! How are you guys doing this month? . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #debtfree #debtfreemafia #snowball 
Happy Friday lovelies! My husbands tax return landed in our bank this morning to the tune of $2000. It only lasted a couple of seconds though, because you guessed it, the whole amount was transferred to our CUA CC. 🎉 Not sure if my return will be finalised prior to the end of July when I do our totals for the month, but regardless I think it will be a good month figure wise for us! How are you all tracking? 😘
Happy Friday lovelies! My husbands tax return landed in our bank this morning to the tune of $2000. It only lasted a couple of seconds though, because you guessed it, the whole amount was transferred to our CUA CC. 🎉 Not sure if my return will be finalised prior to the end of July when I do our totals for the month, but regardless I think it will be a good month figure wise for us! How are you all tracking? 😘
I started thinking about living a life with less "stuff" back in May. I woke up one morning and decided that I needed to have a garage sale. Look at that mess! It took me three weeks to prepare. I worked my ass off. I told myself nothing was coming back into my house. For the most part I kept that end of the deal. It ended up being quite a success. I made 600 dollars! I was so proud of myself.

Fast forward to today ⏭ I have no idea where that 600 dollars went. Just poof and gone.

#becomingminimalist #debtfreejourney #debtfreedom #debtfreegoals #minimalism #minimalist
I started thinking about living a life with less "stuff" back in May. I woke up one morning and decided that I needed to have a garage sale. Look at that mess! It took me three weeks to prepare. I worked my ass off. I told myself nothing was coming back into my house. For the most part I kept that end of the deal. It ended up being quite a success. I made 600 dollars! I was so proud of myself. Fast forward to today ⏭ I have no idea where that 600 dollars went. Just poof and gone. #becomingminimalist  #debtfreejourney  #debtfreedom  #debtfreegoals  #minimalism  #minimalist 
I’m turning into a crazy woman getting rid of “stuff”! This is just today’s haul. 🤷🏻‍♀️ Over the last two weeks my grand total, and I’m not near done, is: 🤦🏻‍♀️10 bags of clothes/blankets/who knows what else for goodwill (for 3 of us)
🤦🏻‍♀️1 large outdoor garbage bin of trash. 
I’m not the absolute cleanest person, but I’m not super messy either.  The problem is I have too much stuff!!!!! 😳  All my stuff was making me feel a false sense of security in a very odd way.  If I had all this stuff I was safe, I was “cozy”, I had something to show for the debt I’m in, even though I’m now single, look at all the stuff I have. 
When we sold our house in October and got divorced, I moved pretty fast and took everything with me.  Now I’m just purging “all the stuff.” And holy 💩 does it feel absolutely fantastic!!! I’m not a minimalist, but DEFINITELY leaning towards that side of the spectrum.  Thank you @thelaminimalist for being a part of this push for me!!!💖
I’m turning into a crazy woman getting rid of “stuff”! This is just today’s haul. 🤷🏻‍♀️ Over the last two weeks my grand total, and I’m not near done, is: 🤦🏻‍♀️10 bags of clothes/blankets/who knows what else for goodwill (for 3 of us) 🤦🏻‍♀️1 large outdoor garbage bin of trash. I’m not the absolute cleanest person, but I’m not super messy either. The problem is I have too much stuff!!!!! 😳 All my stuff was making me feel a false sense of security in a very odd way. If I had all this stuff I was safe, I was “cozy”, I had something to show for the debt I’m in, even though I’m now single, look at all the stuff I have. When we sold our house in October and got divorced, I moved pretty fast and took everything with me. Now I’m just purging “all the stuff.” And holy 💩 does it feel absolutely fantastic!!! I’m not a minimalist, but DEFINITELY leaning towards that side of the spectrum. Thank you @thelaminimalist for being a part of this push for me!!!💖
New current read! 54 mins into this book on Hoopla my new debt free fun! Have you read this book? What are your thoughts? Have you checked out hoopla?#thespendersguidetodebtfreeliving #whatamireading #livinglikenooneelse #debtfreedom #debtfreeliving #debtfreecommunity #debtfreejourney #debtfreegoals #cashisking #debtmanagement #debtsnowball #debtfreeisthenewsexy #debtslave #debtisdumb
If you are not hip to freezer paper, get hip to freezer paper! I did a terrible job #budgeting this last pay for period. I was in pain from my new mattress I bought last fall (another day, another time), so I bought a mattress topper which has helped tremendously. I couldn’t take it anymore. That and going out to eat put me way over. So, next pay period which is tomorrow I’m back on plan. Anyway, back to freezer paper. When meat is on sale? Buy it in bulk! Get yourself a $3 roll of freezer paper, tape, a Sharpie and some freezer bags! @karenrey is my former college professor who introduced me to this budget hack and I’ve freezes raw meat with zero issue since. She actually doesn’t know that I’ve been doing this! But, it’s a great way for single people like me (woohoo!) to buy meat cheaply without worrying about waste. Sometimes, it can also be cheaper to buy one piece of meat at the meat counter and have it wrapped but if you spend ten minutes doing this you can save a ton of money. I used to make a lot of freezer meals, but with my #lowfodmap and #glutenfree diet, it’s harder to do. But I watch for store brand freezer bags to go on sale and stock up. As a word of caution 🛑 sometimes generic freezer bags can be low quality and cause freezer burn. Do your research OR coupon name brand. #debtfreeinohio #debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtmanagement #debtfreegoals #money #personalfinance #debtfreedom #debtfree #moneymoneymoney #daveramsey #budgeting #budget #food #homeeconomics #eatathome #finance #financialfreedom #debtslave #studentloans
If you are not hip to freezer paper, get hip to freezer paper! I did a terrible job #budgeting  this last pay for period. I was in pain from my new mattress I bought last fall (another day, another time), so I bought a mattress topper which has helped tremendously. I couldn’t take it anymore. That and going out to eat put me way over. So, next pay period which is tomorrow I’m back on plan. Anyway, back to freezer paper. When meat is on sale? Buy it in bulk! Get yourself a $3 roll of freezer paper, tape, a Sharpie and some freezer bags! @karenrey is my former college professor who introduced me to this budget hack and I’ve freezes raw meat with zero issue since. She actually doesn’t know that I’ve been doing this! But, it’s a great way for single people like me (woohoo!) to buy meat cheaply without worrying about waste. Sometimes, it can also be cheaper to buy one piece of meat at the meat counter and have it wrapped but if you spend ten minutes doing this you can save a ton of money. I used to make a lot of freezer meals, but with my #lowfodmap  and #glutenfree  diet, it’s harder to do. But I watch for store brand freezer bags to go on sale and stock up. As a word of caution 🛑 sometimes generic freezer bags can be low quality and cause freezer burn. Do your research OR coupon name brand. #debtfreeinohio  #debtfreecommunity  #debtfreejourney  #debtfree  #debtsnowball  #debtmanagement  #debtfreegoals  #money  #personalfinance  #debtfreedom  #debtfree  #moneymoneymoney  #daveramsey  #budgeting  #budget  #food  #homeeconomics  #eatathome  #finance  #financialfreedom  #debtslave  #studentloans 
Me? Food and clothes.

I consider myself as a generally thrifty person. I don't spend that much on anything but those two. I could go weeks or months without shopping for new clothes, BUT when I start buying something, I couldn't seem to stop until I realized I've already spent $200 in one day. The worst thing about being a shopaholic (for clothes) is that I feel like I still don't know what to wear most of the time! As for food, I just didn't really hold back. To me it was both a pleasure and necessity. That definitely is going to change as I begin my debt-free journey and frugal lifestyle. 
What about you? 😱

#debtfreejourney #debtfreecommunity #debtfreerncommunity #babysteps #babystep2 #daveramsey #financialfreedom #financialindependence #debtsucks #debtfree #debtfreegoals #debtfreeliving #frugal #frugalliving #frugallifestyle #frugalnurse #nurse #l4l #debtsnowball
Me? Food and clothes. I consider myself as a generally thrifty person. I don't spend that much on anything but those two. I could go weeks or months without shopping for new clothes, BUT when I start buying something, I couldn't seem to stop until I realized I've already spent $200 in one day. The worst thing about being a shopaholic (for clothes) is that I feel like I still don't know what to wear most of the time! As for food, I just didn't really hold back. To me it was both a pleasure and necessity. That definitely is going to change as I begin my debt-free journey and frugal lifestyle. What about you? 😱 #debtfreejourney  #debtfreecommunity  #debtfreerncommunity  #babysteps  #babystep2  #daveramsey  #financialfreedom  #financialindependence  #debtsucks  #debtfree  #debtfreegoals  #debtfreeliving  #frugal  #frugalliving  #frugallifestyle  #frugalnurse  #nurse  #l4l  #debtsnowball 
Mentally preparing myself for a very busy August (even though it’s only July 19th!). Took some vacation days but instead of relaxing I’m picking up extra hours at my side job. Those student loans aren’t going to pay themselves. Just gotta get through the next 52 days. #debtfreecommunity #debtfreejourney #debtfreegoals #debtfreeliving #studentloans #beltedgalloway #beefcow
When I started this business, I had no idea what I was doing. 🤷🏼‍♀️ And to be honest, I often still feel that way - which is proof positive that you don’t need to be anything but YOU in order to be successful.
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Today, I received my highest ever paycheck from a job that’s given me more blessings than I could have imagined a year and a half ago. 💰My team is growing fast and I can just feel the momentum growing every single day.
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I’ve connected with an amazing community of women, 👭 made some of my closest friends, lost weight, developed confidence, began conquering binge eating disorder, and I’d be lying if I didn’t say that the financial benefits weren’t one of the biggest perks of all.
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You don’t have to be thin. You don’t need a 6-pack. You don’t need a business degree or any degree, really. All you need is a little hustle and you can change your life - and your entire family’s - forever.🌈
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#workingmomma #workingmomlife #workingonmyself #bringhomethebacon #lifebydesign #wahm #sahm #hustle #everydayimhustlin #debtfreejourney #debtfreegoals #debtfreecommunity #hippiemom #hippiemama #hotmessmama #crunchymom #crunchymama #oldnavystyle #crystaljewelry #crystalsofinstagram #crystalhealing #teaminspiredwellness
When I started this business, I had no idea what I was doing. 🤷🏼‍♀️ And to be honest, I often still feel that way - which is proof positive that you don’t need to be anything but YOU in order to be successful. - Today, I received my highest ever paycheck from a job that’s given me more blessings than I could have imagined a year and a half ago. 💰My team is growing fast and I can just feel the momentum growing every single day. - I’ve connected with an amazing community of women, 👭 made some of my closest friends, lost weight, developed confidence, began conquering binge eating disorder, and I’d be lying if I didn’t say that the financial benefits weren’t one of the biggest perks of all. - You don’t have to be thin. You don’t need a 6-pack. You don’t need a business degree or any degree, really. All you need is a little hustle and you can change your life - and your entire family’s - forever.🌈 . . . . . . #workingmomma  #workingmomlife  #workingonmyself  #bringhomethebacon  #lifebydesign  #wahm  #sahm  #hustle  #everydayimhustlin  #debtfreejourney  #debtfreegoals  #debtfreecommunity  #hippiemom  #hippiemama  #hotmessmama  #crunchymom  #crunchymama  #oldnavystyle  #crystaljewelry  #crystalsofinstagram  #crystalhealing  #teaminspiredwellness 
I am in the process of designing a budget spreadsheet and snowball calculator. And I want to hear from you! 👋🏻 ⭐️What features would you want in *your* ultimate budget and debt snowball spreadsheet?⭐️
✏️What features are most important?
✏️Would you want to be able to print it? Or have access to it on your smart phone?
✏️ What bothers you about budget and snowball calculators currently? ✏️ Would you want the ability to change colours/fonts etc?

Let me know! I am interested to hear your views and opinions! Those who help me can have a copy of my final product! ☺️ #debtfree #debtfreecommunity #debtfreegoals #debtfreeliving #debtfreejourney #afterpay #babysteps #babystep1 #daveramsey #daveramseybabysteps #budget #budgeting #zerodollarbudget #spreadsheet #printables #pdf
I am in the process of designing a budget spreadsheet and snowball calculator. And I want to hear from you! 👋🏻 ⭐️What features would you want in *your* ultimate budget and debt snowball spreadsheet?⭐️ ✏️What features are most important? ✏️Would you want to be able to print it? Or have access to it on your smart phone? ✏️ What bothers you about budget and snowball calculators currently? ✏️ Would you want the ability to change colours/fonts etc? Let me know! I am interested to hear your views and opinions! Those who help me can have a copy of my final product! ☺️ #debtfree  #debtfreecommunity  #debtfreegoals  #debtfreeliving  #debtfreejourney  #afterpay  #babysteps  #babystep1  #daveramsey  #daveramseybabysteps  #budget  #budgeting  #zerodollarbudget  #spreadsheet  #printables  #pdf 
I'm excited to be under that $200k mark! We bought at $320k three years ago. It wasn't until I found myself in the #debtfreecommunity last year that I ever would have considered paying the house off earlier than our planned 25yrs! But we will save thousands & thousands of dollars doing so 💰 ...& I actually think it's fun paying the mortgage and planning it's end ...did you know mortgage means death contract?
I'm excited to be under that $200k mark! We bought at $320k three years ago. It wasn't until I found myself in the #debtfreecommunity  last year that I ever would have considered paying the house off earlier than our planned 25yrs! But we will save thousands & thousands of dollars doing so 💰 ...& I actually think it's fun paying the mortgage and planning it's end ...did you know mortgage means death contract?
We’ve been thinking about what our Baby Step 3 Budget would look like for a loooooong time - like ever since we started Baby Step 2. The plan is to go to Europe when we pay off our last debt in August, and start this budget on September 1st. We are still planning to be as gazelle intense as possible, but after two years of saying “no” to many things (like personal money), we’re going to start saying yes to a few.
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I’ve noticed over two years of watching that Baby Step 3 can sometimes be harder than Baby Step 2. I think that’s going to be the case for us too. So we’re trying to have a plan in place so that we can (hopefully 🤞🏻) transition smoothly and keep moving full-steam ahead. We hope to save $50k plus cash flow a few trips (about $4k) and large home projects (about $9k) in the next 11 months.
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I know we talk a lot about our “dream budgets” (aka “Baby Step 7 budgets” in the #debtfreecommunity) but what reasonable things are you looking forward to adding to your budget when you don’t have debt?!
We’ve been thinking about what our Baby Step 3 Budget would look like for a loooooong time - like ever since we started Baby Step 2. The plan is to go to Europe when we pay off our last debt in August, and start this budget on September 1st. We are still planning to be as gazelle intense as possible, but after two years of saying “no” to many things (like personal money), we’re going to start saying yes to a few. . I’ve noticed over two years of watching that Baby Step 3 can sometimes be harder than Baby Step 2. I think that’s going to be the case for us too. So we’re trying to have a plan in place so that we can (hopefully 🤞🏻) transition smoothly and keep moving full-steam ahead. We hope to save $50k plus cash flow a few trips (about $4k) and large home projects (about $9k) in the next 11 months. . I know we talk a lot about our “dream budgets” (aka “Baby Step 7 budgets” in the #debtfreecommunity ) but what reasonable things are you looking forward to adding to your budget when you don’t have debt?!
Motivational Meme time 🖤 We are over half way in our goal for $1000 in Emergency Savings Fund, and we are about to knock out our smallest debt by the end of July with my check I get on the 31st 🤓 It’s begun! #daveramsey #debtfreegoals #debtfreejourney #debtfreecommunity #motivationalquotes #motivation #motivationalmeme
Our debt started piling up 7 years ago when my husband and I were struggling with addiction. In October of 2011 we turned our hearts to God and broke the chains of drug and alcohol addiction! How our lives have changed for the better since becoming saved and living for the Lord!
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 Little did we know the devil would eventually creep in and attack us in the area of money, selfishness, and perfectionism.
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Telling us we deserve this and that bc we aren't buying alcohol or weed anymore. We work hard, why can't we have the things we want? As long as we can afford the minimum payments, what's the problem?
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We now know the devil is a liar and it's time to take back our joy while enjoying the journey of becoming #debtfree 💗
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#debtfreefamily #debtfreegoals #debtfreecommunity #daveramseybabysteps #debtfreedom #debtfreeliving #debtfreejourney #budget #budgeting #totalmoneymakeover #livelikenooneelse #jesuschristsaves #jesusfreak #socialworker #givingwithagratefulheart
Our debt started piling up 7 years ago when my husband and I were struggling with addiction. In October of 2011 we turned our hearts to God and broke the chains of drug and alcohol addiction! How our lives have changed for the better since becoming saved and living for the Lord! . Little did we know the devil would eventually creep in and attack us in the area of money, selfishness, and perfectionism. . Telling us we deserve this and that bc we aren't buying alcohol or weed anymore. We work hard, why can't we have the things we want? As long as we can afford the minimum payments, what's the problem? . We now know the devil is a liar and it's time to take back our joy while enjoying the journey of becoming #debtfree  💗 . . . . . . . . #debtfreefamily  #debtfreegoals  #debtfreecommunity  #daveramseybabysteps  #debtfreedom  #debtfreeliving  #debtfreejourney  #budget  #budgeting  #totalmoneymakeover  #livelikenooneelse  #jesuschristsaves  #jesusfreak  #socialworker  #givingwithagratefulheart 
-I am a 27 yo mum of two young boys
-I live in a small country town in North-West Tasmania
-I am a bit of an introvert and find it hard to put myself out there to make new friends
-I would prefer to deal with a snake than deal with a spider -I hate mess and like everything in its place all the time...this doesn't work with a young family though
-I have been with my fiance for 7 years and there is a 10 year age gap
-I don't beat around the push, I like to tell it how it is
- I am very short tempered but get over things quickly too as I don't like to argue with anyone or feel angry
-We lived in a bus in far north qld for 12 months before falling pregnant with my first son
- I had always had big hopes for myself career wise and it's time to figure out which path I want to go down

I have just realised I am a very boring person
-I am a 27 yo mum of two young boys -I live in a small country town in North-West Tasmania -I am a bit of an introvert and find it hard to put myself out there to make new friends -I would prefer to deal with a snake than deal with a spider -I hate mess and like everything in its place all the time...this doesn't work with a young family though -I have been with my fiance for 7 years and there is a 10 year age gap -I don't beat around the push, I like to tell it how it is - I am very short tempered but get over things quickly too as I don't like to argue with anyone or feel angry -We lived in a bus in far north qld for 12 months before falling pregnant with my first son - I had always had big hopes for myself career wise and it's time to figure out which path I want to go down I have just realised I am a very boring person
With so much easy credit, it’s not surprising that more people than ever are in debt and stuffing from financial stress. Unfortunately, many people do not even know it!

It only takes an unexpected job loss, a rise in interest repayments or a relationship breakup to tip you into a downward spiral of debt where you cannot even meet the minimum repayments.

So how do you stay afloat in these tough times?

Read full article here - https://buff.ly/2L3A4Eb
With so much easy credit, it’s not surprising that more people than ever are in debt and stuffing from financial stress. Unfortunately, many people do not even know it! It only takes an unexpected job loss, a rise in interest repayments or a relationship breakup to tip you into a downward spiral of debt where you cannot even meet the minimum repayments. So how do you stay afloat in these tough times? Read full article here - https://buff.ly/2L3A4Eb