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YAY ... GIVEAWAY TIME!!.
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To celebrate hitting 5000 followers(so close) there is no better time than to do a giveaway to thank all of you for inspiring me to get off my butt & smash my goals every day 💃.
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I have partnered up with the lovely Rachel from @rusticwoodcoau in Margaret River WA who makes the beautiful signs & decals for all occasions to give you guys the chance to win my favourite saying in the financial freedom world ‘Live Like No One Else’ 🤗 .
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So if you have never heard this saying, it is the start of the fabulous Dave Ramsey’s quote ‘Live like no one else so later you can live & give like no one else’ ... in some of our toughest times I have heard him say this to people on his radio show & it always gives me goosebumps at the possibilities it could bring!.
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💥💥How To Enter 💥💥.
* Like this post
* Tag a friend
* Make sure you are following @lookingaftermycents & @rusticwoodcoau .
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You can enter once per day ... & if you share the giveaway on your page or insta-story I will give you another 2 bonus entries for that day!! Ensure to tag me though so I know 😉.
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The giveaway will end Friday, 30th November 2018 at 6pm Western Australian Time. The winner will be announced by 8pm the same night 🏆.
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🌟 Open to Australian & New Zealand residents 🌟.
😟 Sorry to the rest of world ... definitely be a 🌍 world wide one next time 😟
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❌⛔️NO GIVEAWAY ACCOUNTS❌.
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💰✌️ GOOD LUCK ✌️💰. ~

#livelikenooneelse #debtfreedom #debtsucks #debtfree #debtfreecommunity #debtfreejourney #aussiemoney #debtfreecommunityaustralia #cashisking #mumlife #daveramsey #zerobasedbudget #bs6 #savingmoney #5000followers #mortgage #frugallife #frugal #goals #motivationalquotes #declutter #budget #budgetlife #stepmum #budgeting #budgetplanner #frugalgiveaway #signs #frugalhome #shabbychic
YAY ... GIVEAWAY TIME!!. ~ To celebrate hitting 5000 followers(so close) there is no better time than to do a giveaway to thank all of you for inspiring me to get off my butt & smash my goals every day 💃. ~ I have partnered up with the lovely Rachel from @rusticwoodcoau in Margaret River WA who makes the beautiful signs & decals for all occasions to give you guys the chance to win my favourite saying in the financial freedom world ‘Live Like No One Else’ 🤗 . ~ So if you have never heard this saying, it is the start of the fabulous Dave Ramsey’s quote ‘Live like no one else so later you can live & give like no one else’ ... in some of our toughest times I have heard him say this to people on his radio show & it always gives me goosebumps at the possibilities it could bring!. ~ 💥💥How To Enter 💥💥. * Like this post * Tag a friend * Make sure you are following @lookingaftermycents & @rusticwoodcoau . ~ You can enter once per day ... & if you share the giveaway on your page or insta-story I will give you another 2 bonus entries for that day!! Ensure to tag me though so I know 😉. ~ The giveaway will end Friday, 30th November 2018 at 6pm Western Australian Time. The winner will be announced by 8pm the same night 🏆. ~ 🌟 Open to Australian & New Zealand residents 🌟. 😟 Sorry to the rest of world ... definitely be a 🌍 world wide one next time 😟 ~ ❌⛔️NO GIVEAWAY ACCOUNTS❌. ~I 💰✌️ GOOD LUCK ✌️💰. ~ #livelikenooneelse  #debtfreedom  #debtsucks  #debtfree  #debtfreecommunity  #debtfreejourney  #aussiemoney  #debtfreecommunityaustralia  #cashisking  #mumlife  #daveramsey  #zerobasedbudget  #bs6  #savingmoney  #5000followers  #mortgage  #frugallife  #frugal  #goals  #motivationalquotes  #declutter  #budget  #budgetlife  #stepmum  #budgeting  #budgetplanner  #frugalgiveaway  #signs  #frugalhome  #shabbychic 
Getting out of debt is hard. It takes a lot of hard work, sacrifices and discipline.
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🔑: When you feel like giving up, remember your why. Know that better days are coming.
Getting out of debt is hard. It takes a lot of hard work, sacrifices and discipline. . . 🔑: When you feel like giving up, remember your why. Know that better days are coming.
Who inspires you?
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I love talking to everyday women who have worked towards the goal of home ownership. I particularly enjoy hearing from women who have worked through their goal on their own.
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@cyclingrsmith sees the world in a different way to most, through experiences and relationships as opposed to acquiring lots of possessions. Slide for a summary of three key insights from this month’s Woman in Wealth, Rachel Smith, the single Brisbane based lady, who bought her home and then ✅ paid off her mortgage in seven years ‼️
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🕺Check our the link in my profile to read the full article 💞. Would you like to be featured as my next Women in Wealth, please get in touch!
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#zerobasedbudget #womeninwealth #feminism #savingforahouse #debtfreecommunity #frugality #babystep3b #barefootinvestor #australianinvestor #brisbaneblogger #brisbanerealestate #ozsavingcommunity #grit #determination #inspireme #underspent
Who inspires you? _______________________________________________________ I love talking to everyday women who have worked towards the goal of home ownership. I particularly enjoy hearing from women who have worked through their goal on their own. _______________________________________________________ @cyclingrsmith sees the world in a different way to most, through experiences and relationships as opposed to acquiring lots of possessions. Slide for a summary of three key insights from this month’s Woman in Wealth, Rachel Smith, the single Brisbane based lady, who bought her home and then ✅ paid off her mortgage in seven years ‼️ _______________________________________________________ 🕺Check our the link in my profile to read the full article 💞. Would you like to be featured as my next Women in Wealth, please get in touch! _______________________________________________________ #zerobasedbudget  #womeninwealth  #feminism  #savingforahouse  #debtfreecommunity  #frugality  #babystep3b  #barefootinvestor  #australianinvestor  #brisbaneblogger  #brisbanerealestate  #ozsavingcommunity  #grit  #determination  #inspireme  #underspent 
Welcome back to the #intentionalminimalist challenge! @deliberate_intention and I were so impressed with your participation in the last one, we’re going again... and this time we’re going digital!
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Challenges will be posted on Tuesdays and Fridays for the next three weeks. They will be focused around decluttering digital items from your phone or computer.
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Two participants will win a donation to the charity of their choice at the end of the challenge. With Christmas coming up there are so many worthy causes to choose from. Get thinking! See you tomorrow for day 1.
Welcome back to the #intentionalminimalist  challenge! @deliberate_intention and I were so impressed with your participation in the last one, we’re going again... and this time we’re going digital! - Challenges will be posted on Tuesdays and Fridays for the next three weeks. They will be focused around decluttering digital items from your phone or computer. - Two participants will win a donation to the charity of their choice at the end of the challenge. With Christmas coming up there are so many worthy causes to choose from. Get thinking! See you tomorrow for day 1.
Only put off until tomorrow what you are willing to die having left undone.
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Pablo Picasso
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It's just another magic Monday.  Let's go get them this week!
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#thewealthgardener
Only put off until tomorrow what you are willing to die having left undone. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Pablo Picasso ⠀⠀⠀⠀⠀⠀⠀⠀⠀ It's just another magic Monday. Let's go get them this week! ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #thewealthgardener 
Some sunshine and sand were just what we needed ☀️
Some sunshine and sand were just what we needed ☀️
We’re enjoying our first debt free vacation together! We had brunch and did a little shopping at my old stomping grounds - Walmart. 😂
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A lot of you may not know, but I used to work at Walmart! It was a walk down memory lane to see how far I’ve come. I went from making around $8 an hour to getting my degree, increasing my income a lot, and becoming debt free! 🥳
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#debtfreecommunity #debtfreeinsunnyca #debtfree #weredebtfree #debtfreejourney #emergencyfund #babystep2 #babystep3 #budget #zerobasedbudget #daveramsey #financiallyindependent #fire #frugal #savemoney #cashenvelopes #cashisking
We’re enjoying our first debt free vacation together! We had brunch and did a little shopping at my old stomping grounds - Walmart. 😂 • • A lot of you may not know, but I used to work at Walmart! It was a walk down memory lane to see how far I’ve come. I went from making around $8 an hour to getting my degree, increasing my income a lot, and becoming debt free! 🥳 • • #debtfreecommunity  #debtfreeinsunnyca  #debtfree  #weredebtfree  #debtfreejourney  #emergencyfund  #babystep2  #babystep3  #budget  #zerobasedbudget  #daveramsey  #financiallyindependent  #fire  #frugal  #savemoney  #cashenvelopes  #cashisking 
This is our unchanged furnace filter we completely dropped the ball on. I’m 9 days sick now, & booked this week off too...which now brings me to a $7k income loss this month. I don’t know if this is why I’m sick but it’s a possibility. I contacted a company to come clean our ducts. I’m estimating about $400 from what I’ve read. Did you know the air in our homes is 5x more pollutant than outside?! I spent some time last night educating myself on reducing this for our own home. It’s way to expensive for me to be sick. We’re fine losing my income for most of the month because we save most of it anyway but I’d rather be working.
This is our unchanged furnace filter we completely dropped the ball on. I’m 9 days sick now, & booked this week off too...which now brings me to a $7k income loss this month. I don’t know if this is why I’m sick but it’s a possibility. I contacted a company to come clean our ducts. I’m estimating about $400 from what I’ve read. Did you know the air in our homes is 5x more pollutant than outside?! I spent some time last night educating myself on reducing this for our own home. It’s way to expensive for me to be sick. We’re fine losing my income for most of the month because we save most of it anyway but I’d rather be working.
By 11am this morning I talked to one friend about the importance of zero based budgets and how you can actually accomplish a lot because you are telling your money where to go instead of wondering where it went. I also talked to 2 acquaintances about cash flowing grad school. One person thought it was a great idea and the other person wasn’t having any of it—she felt like taking out loans to a private school was her only option, even though she already had burdensome loans. Debt free community, I’m curious...what do you do when you hear people wish they could accomplish goals with $ that they don’t feel are possible (and they don’t have a budget), or you hear about someone ready to dive head first into student loan debt? Sometimes I just listen and other times I can’t help but give them my two cents! #debtfreecommunity #debtfreejourney #finance #llnoe #daveramseybabysteps #daveramsey #zerobasedbudget #financialfreedom #financialpeace #studentloans
By 11am this morning I talked to one friend about the importance of zero based budgets and how you can actually accomplish a lot because you are telling your money where to go instead of wondering where it went. I also talked to 2 acquaintances about cash flowing grad school. One person thought it was a great idea and the other person wasn’t having any of it—she felt like taking out loans to a private school was her only option, even though she already had burdensome loans. Debt free community, I’m curious...what do you do when you hear people wish they could accomplish goals with $ that they don’t feel are possible (and they don’t have a budget), or you hear about someone ready to dive head first into student loan debt? Sometimes I just listen and other times I can’t help but give them my two cents! #debtfreecommunity  #debtfreejourney  #finance  #llnoe  #daveramseybabysteps  #daveramsey  #zerobasedbudget  #financialfreedom  #financialpeace  #studentloans 
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As I’ve said before, my husband and I are coffee nuts. I’d love to go out and buy Starbucks every morning, but that’s not realistic- especially being on a debt free journey. So until we have another gift card I’ll be sitting at home drinking the coffee we have here.☕️
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#debtfreejourney #debtfreecommunity #debt #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #debtfree #minimalism #minimalistjourney #declutter
As I’ve said before, my husband and I are coffee nuts. I’d love to go out and buy Starbucks every morning, but that’s not realistic- especially being on a debt free journey. So until we have another gift card I’ll be sitting at home drinking the coffee we have here.☕️ ——————————————————————— #debtfreejourney  #debtfreecommunity  #debt  #debtsnowball  #budget  #teamsmallshovel  #zerobasedbudget  #babystep2  #daveramsey  #debtfree  #minimalism  #minimalistjourney  #declutter 
Our plan for the rest of this year was always to make the minimum monthly payment and stack up anything extra in the offset until bub arrived. We’ve changed the plan basically once a week since we moved in... but I think we’ve finally got it settled.
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The crux of it is that we don’t want to live here. There are many places in this beautiful city that we’d choose to live... and this is not one of them. So we’ve decided to go back “home” probably in the next two years and we are both SO relieved.
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So for now we’re going to continue stacking that offset for our next deposit and, for a huge long list of reasons, we’ll sell here too. The relief you guys! It’s real.
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Will bring you along on the adventure as always 🏡
Our plan for the rest of this year was always to make the minimum monthly payment and stack up anything extra in the offset until bub arrived. We’ve changed the plan basically once a week since we moved in... but I think we’ve finally got it settled. - The crux of it is that we don’t want to live here. There are many places in this beautiful city that we’d choose to live... and this is not one of them. So we’ve decided to go back “home” probably in the next two years and we are both SO relieved. - So for now we’re going to continue stacking that offset for our next deposit and, for a huge long list of reasons, we’ll sell here too. The relief you guys! It’s real. - Will bring you along on the adventure as always 🏡
Checking and savings accounts combined or separate with your spouse.

I’ve missed a rather interesting conversation. I feel that the saying, “to each their own” really applies to this. Why? Because what I’ve experienced and what you’ve experienced may be very different and may cause me to need a safety net and for you to not need one.

My husband and I each have our own account and a combined account. I have my own savings account as well that my husband knows about, but doesn’t have access to.

It’s not a matter of trust, it’s a matter of what we feel comfortable with. I was all for having only a combined account before we got married and then once we got married I realized I’d really rather have a separate account, not because I need to be secretive, but because I don’t want him to question when I get lunch or something and I also don’t want to see his and question him.

#getoutofdebt #payingoffdebt #daveramsey #gazelleintense #rachelcruze #formybabies #babysteps #babystep2 #financialpeace #financialfreedom #mindovermatter #twojobs #fulltimemommy #bosschick #ladyboss #putinwork #doinwork #budget #budgeting #everydollar #extramoney #debtfree #debtfreecommunity #debtfreejourney #frugal #savingmoney #onabudget #zerobasedbudget #debtfreenurse
Checking and savings accounts combined or separate with your spouse. I’ve missed a rather interesting conversation. I feel that the saying, “to each their own” really applies to this. Why? Because what I’ve experienced and what you’ve experienced may be very different and may cause me to need a safety net and for you to not need one. My husband and I each have our own account and a combined account. I have my own savings account as well that my husband knows about, but doesn’t have access to. It’s not a matter of trust, it’s a matter of what we feel comfortable with. I was all for having only a combined account before we got married and then once we got married I realized I’d really rather have a separate account, not because I need to be secretive, but because I don’t want him to question when I get lunch or something and I also don’t want to see his and question him. #getoutofdebt  #payingoffdebt  #daveramsey  #gazelleintense  #rachelcruze  #formybabies  #babysteps  #babystep2  #financialpeace  #financialfreedom  #mindovermatter  #twojobs  #fulltimemommy  #bosschick  #ladyboss  #putinwork  #doinwork  #budget  #budgeting  #everydollar  #extramoney  #debtfree  #debtfreecommunity  #debtfreejourney  #frugal  #savingmoney  #onabudget  #zerobasedbudget  #debtfreenurse 
Fall for budgeting myths such as you don't have time, you feel restricted, or do you don't like math. The budget gives you freedom throughout the month to spend money how you want to. Visit this URL to see 10 budgeting myths that people fall for.

https://www.daveramsey.com/blog/budgeting-myths
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#financialpeaceuniversity #financialcoach #focusednotfinished #finances #financialpeace #showmethemoney #debtfreecommunity #debtfreecommunity #defense #gazelleintense #gazelle #livegivesave #livelikenooneelse #contentment #retireinspired #wealth #money #millionairestatus #millenials #budget #zerocredit #zerobasedbudget
Fall for budgeting myths such as you don't have time, you feel restricted, or do you don't like math. The budget gives you freedom throughout the month to spend money how you want to. Visit this URL to see 10 budgeting myths that people fall for. https://www.daveramsey.com/blog/budgeting-myths . . . . . . . . . . . . . . . . . . . . . #financialpeaceuniversity  #financialcoach  #focusednotfinished  #finances  #financialpeace  #showmethemoney  #debtfreecommunity  #debtfreecommunity  #defense  #gazelleintense  #gazelle  #livegivesave  #livelikenooneelse  #contentment  #retireinspired  #wealth  #money  #millionairestatus  #millenials  #budget  #zerocredit  #zerobasedbudget 
We’ve been so off focus this past 6 weeks when it comes to our finances. We’ve had quite a few high expense things to spend on during this time and to be honest I was lacking motivation because of all the spending that was going on, like what’s an extra night of takeaway when we’re spending $100s on other things. I also slowly checked out of this Instagram account which made me realise I’d been taking for granted how important you all are to my journey. I’m back now with a renewed motivation to push through this final debt. I need to check how much it is because I missed calculating November, but I’ll wait now until the 1st of December... less than 2 weeks 😱. Looking forward to going through your accounts and seeing what I’ve missed while I’ve been off the rails 😂
We’ve been so off focus this past 6 weeks when it comes to our finances. We’ve had quite a few high expense things to spend on during this time and to be honest I was lacking motivation because of all the spending that was going on, like what’s an extra night of takeaway when we’re spending $100s on other things. I also slowly checked out of this Instagram account which made me realise I’d been taking for granted how important you all are to my journey. I’m back now with a renewed motivation to push through this final debt. I need to check how much it is because I missed calculating November, but I’ll wait now until the 1st of December... less than 2 weeks 😱. Looking forward to going through your accounts and seeing what I’ve missed while I’ve been off the rails 😂
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#debtfreejourney #debtfreecommunity #debt #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #debtfree #minimalism #minimalistjourney #declutter
New video upload!! Go checkout my second weekly check-in now up on YouTube!! Do you  enjoy budgeting videos? I’m kinda obsessed with watching them right now so if you have your own channel I’d love to check it out!!
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#budgetplanner #youtubechannel #weeklycheckin #erincondren #erincondrendeluxemonthlyplanner #erincondrenstickers #planneraddict #plannersticker #debtfreecommunity #debtfreejourney #debtsucks #daveramsey #daveramseybabysteps #zerobasedbudget #budget #budgeting
New video upload!! Go checkout my second weekly check-in now up on YouTube!! Do you enjoy budgeting videos? I’m kinda obsessed with watching them right now so if you have your own channel I’d love to check it out!! . . . #budgetplanner  #youtubechannel  #weeklycheckin  #erincondren  #erincondrendeluxemonthlyplanner  #erincondrenstickers  #planneraddict  #plannersticker  #debtfreecommunity  #debtfreejourney  #debtsucks  #daveramsey  #daveramseybabysteps  #zerobasedbudget  #budget  #budgeting 
• NOVEMBER PROGRESS •
Here's an update on our progress so far in Nov! Our month runs from 31 Oct to 27 Nov due to starting our journey right on Halloween.

1️⃣ FIXED EXPENSES 
Most of our projected fixed expenses have been bang on! We have however made savings on power this month of $64.52. Just Spotify and cellphone plans to be paid then that's us for Nov. Stoked to have reduced our monthly cellphone bills from $74 to $49 a month! 
2️⃣ DEBT 
This should be our focus and we could have completed baby step 2 by now (be debt free). But with Christmas just weeks away, and loads of events between now and then, we decided to chip away at debt and save accordingly for everything else. Total debt: 1603.65. Currently paid: $823.48. Officially over halfway to becoming debt free! 🎉
3️⃣ SPENDING FUNDS 
We have made the most savings here and I credit it all to my cash envelopes! Dave Ramsey is 100% right that having cash gives you the power to say NO, and you spend less knowing that the money in your envelopes is all you have to survive on until the next pay. When I pay in cash at shops, 90% of shop attendants have to cancel the EFTPOS transaction. Don't assume mate, you don't know me and my cash envelope game 😂😂 We had money left in all our spending envelopes. This never happened when we relied on plastic! 
4️⃣ SINKING FUNDS 
Our sinking funds are unexpected expenses, kids, trips, gifts and now Christmas fund. When we had one savings account it made me feel like we still didn't have money for other things, and that we kept using our savings. Now that we are saving for multiple short term goals at once, we are more prepared for things that may pop up, and can pull from a sinking fund if we need to!

Shout out to my homegirl and budgeting buddy @livingonabudgetnz for continuing to inspire me, and making my zero based budget super flash with formulas and running totals 😂 big congrats to her for completing baby step 1 this week!! Bring on 27 Nov - I want to see if we have achieved all of our Nov goals! 😊

#debtfreejourney #debtfreecommunity #daveramsey #daveramseybabysteps #babystep2 #budgeting #money #financialfreedom #zerobasedbudget #betterdecisions #cashenvelopes
• NOVEMBER PROGRESS • Here's an update on our progress so far in Nov! Our month runs from 31 Oct to 27 Nov due to starting our journey right on Halloween. 1️⃣ FIXED EXPENSES Most of our projected fixed expenses have been bang on! We have however made savings on power this month of $64.52. Just Spotify and cellphone plans to be paid then that's us for Nov. Stoked to have reduced our monthly cellphone bills from $74 to $49 a month! 2️⃣ DEBT This should be our focus and we could have completed baby step 2 by now (be debt free). But with Christmas just weeks away, and loads of events between now and then, we decided to chip away at debt and save accordingly for everything else. Total debt: 1603.65. Currently paid: $823.48. Officially over halfway to becoming debt free! 🎉 3️⃣ SPENDING FUNDS We have made the most savings here and I credit it all to my cash envelopes! Dave Ramsey is 100% right that having cash gives you the power to say NO, and you spend less knowing that the money in your envelopes is all you have to survive on until the next pay. When I pay in cash at shops, 90% of shop attendants have to cancel the EFTPOS transaction. Don't assume mate, you don't know me and my cash envelope game 😂😂 We had money left in all our spending envelopes. This never happened when we relied on plastic! 4️⃣ SINKING FUNDS Our sinking funds are unexpected expenses, kids, trips, gifts and now Christmas fund. When we had one savings account it made me feel like we still didn't have money for other things, and that we kept using our savings. Now that we are saving for multiple short term goals at once, we are more prepared for things that may pop up, and can pull from a sinking fund if we need to! Shout out to my homegirl and budgeting buddy @livingonabudgetnz for continuing to inspire me, and making my zero based budget super flash with formulas and running totals 😂 big congrats to her for completing baby step 1 this week!! Bring on 27 Nov - I want to see if we have achieved all of our Nov goals! 😊 #debtfreejourney  #debtfreecommunity  #daveramsey  #daveramseybabysteps  #babystep2  #budgeting  #money  #financialfreedom  #zerobasedbudget  #betterdecisions  #cashenvelopes 
My husband went to school the end of September and we’ve been waiting for the reimbursement to come back from paying for flights/hotel while there. Just checked the bank and was pleasantly surprised to see it finally in there. This is the overage he was given because they have a set amount they are permitted to use, so I’m excited for the extra money after the $200 decrease from this pay period.🙌🏻
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#debtfreejourney #debtfreecommunity #debt #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #debtfree #minimalism #minimalistjourney #declutter
My husband went to school the end of September and we’ve been waiting for the reimbursement to come back from paying for flights/hotel while there. Just checked the bank and was pleasantly surprised to see it finally in there. This is the overage he was given because they have a set amount they are permitted to use, so I’m excited for the extra money after the $200 decrease from this pay period.🙌🏻 ——————————————————————— #debtfreejourney  #debtfreecommunity  #debt  #debtsnowball  #budget  #teamsmallshovel  #zerobasedbudget  #babystep2  #daveramsey  #debtfree  #minimalism  #minimalistjourney  #declutter 
She’s a keeper and a saver 🙌🏻
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For those who have not taken Financial Peace University, Dave Ramsey says that more than likely, one of you is more interested in crunching the numbers than the other (a.k.a the nerd). Nerds enjoy putting together the monthly budget and calculating the numbers. They like that it gives them a sense of security, and they feel like they’re taking care of their loved ones. Free spirits don’t want to have anything to do with the numbers and tend to “forget” about a budget. They may feel controlled or not cared for, and appear irresponsible to the nerd.
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As you go through your debt free journey together you learn how to work together and let each other’s views compliment one another. We usually compromise with her view 😉
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Financial coaching services starting as low as $50. DM me or visit my website to schedule a free consultation to talk about your life and your money.
She’s a keeper and a saver 🙌🏻 • For those who have not taken Financial Peace University, Dave Ramsey says that more than likely, one of you is more interested in crunching the numbers than the other (a.k.a the nerd). Nerds enjoy putting together the monthly budget and calculating the numbers. They like that it gives them a sense of security, and they feel like they’re taking care of their loved ones. Free spirits don’t want to have anything to do with the numbers and tend to “forget” about a budget. They may feel controlled or not cared for, and appear irresponsible to the nerd. • As you go through your debt free journey together you learn how to work together and let each other’s views compliment one another. We usually compromise with her view 😉 • 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.
It’s almost Sunday!! 💚

Sunday is the chores day in most of the households. While you are cooking, cleaning and running errands, spend some time on your finances too.
Do you have a bill that you want to dispute but just didn’t get around to picking up the phone?

Do you have a dress laying around waiting to be returned?

Have you remembered to file all expenses from the last work trip?

I have all of the above to do 😂😝 Anything that you’ve been forgetting to get to but will free up some cash or bring financial peace of mind, let’s get to it now!! #mindfulwithmoney #moneyatbay #daveramsey #daveramseybabysteps #debtfree #debtfreecommunity #payyourselffirst #zerobasedbudget #budgeting #budgettip #frugal #frugalliving #savingmoney #savinghalfourincomme #newmoney #savinggoals #savingstrategy #downpayment #firsttimehomeowners #howwesavemoney #money💰 #goals #savingtips #newmoney #saving #financialfreedom #personalfinance
It’s almost Sunday!! 💚 Sunday is the chores day in most of the households. While you are cooking, cleaning and running errands, spend some time on your finances too. Do you have a bill that you want to dispute but just didn’t get around to picking up the phone? Do you have a dress laying around waiting to be returned? Have you remembered to file all expenses from the last work trip? I have all of the above to do 😂😝 Anything that you’ve been forgetting to get to but will free up some cash or bring financial peace of mind, let’s get to it now!! #mindfulwithmoney  #moneyatbay  #daveramsey  #daveramseybabysteps  #debtfree  #debtfreecommunity  #payyourselffirst  #zerobasedbudget  #budgeting  #budgettip  #frugal  #frugalliving  #savingmoney  #savinghalfourincomme  #newmoney  #savinggoals  #savingstrategy  #downpayment  #firsttimehomeowners  #howwesavemoney  #money 💰 #goals  #savingtips  #newmoney  #saving  #financialfreedom  #personalfinance 
Over halfway done with credit card debt since I started this journey in March. If you haven’t noticed my car payment posts, in February I bought a new car and took my first FPU class a couple weeks later. I wish I took that class earlier, but you live and learn. I pay my car payment in cash so I remember never to do that again! #stupidtax
Thank you @debtfreecharts for making these charts! They really help with seeing progress.
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#budget #budgeting #zerobasedbudget  #everydollarbudget #fpu #fpugrad #daveramsey #rachelcruze #debtfreemom #debtfreecommunity #debtisdumb #debtfreedom #debtfreejourney #debtfreeliving #debtfreeisthenewsexy #debtfreegoals #debtfree #gazelleintense #babysteps #babystep2 #moneygoals #daveramseybabysteps #millionaremindset #wealthbuilding #moneytips #financialpeace
Over halfway done with credit card debt since I started this journey in March. If you haven’t noticed my car payment posts, in February I bought a new car and took my first FPU class a couple weeks later. I wish I took that class earlier, but you live and learn. I pay my car payment in cash so I remember never to do that again! #stupidtax  Thank you @debtfreecharts for making these charts! They really help with seeing progress. . . . #budget  #budgeting  #zerobasedbudget  #everydollarbudget  #fpu  #fpugrad  #daveramsey  #rachelcruze  #debtfreemom  #debtfreecommunity  #debtisdumb  #debtfreedom  #debtfreejourney  #debtfreeliving  #debtfreeisthenewsexy  #debtfreegoals  #debtfree  #gazelleintense  #babysteps  #babystep2  #moneygoals  #daveramseybabysteps  #millionaremindset  #wealthbuilding  #moneytips  #financialpeace 
PAYDAY 
Its payday!!! Well yesterday was payday lol but didn’t have time to post it. Honesty not happy with what I got paid but since it is a 3 paycheck month for me I am ok with it! Super excited that I get to put almost $300 into my emergency fund! Super crazy to think that I’ve made it this far! Anyways here is my Budget for this week. I decided to write it down. I still have it in my google spreadsheet but I just decided to do it this way. 
I will say I already blew through my spending and restaurant budget 😒 but it’s ok I know that Tuesday I get to fill those again hopefully with not as much money because I’m trying to cut down on eating out! 
#debtfreecommunity #daveramsey  #financialpeaceuniversity #debt #debtfreejourney #debtsnowball #babystep1 #thetotalmoneymakeover #budget #zerobasedbudget #debtfreejourney #goals #debt #financialplan #fpu #llnoe #daveramsey #budgetgoals
PAYDAY Its payday!!! Well yesterday was payday lol but didn’t have time to post it. Honesty not happy with what I got paid but since it is a 3 paycheck month for me I am ok with it! Super excited that I get to put almost $300 into my emergency fund! Super crazy to think that I’ve made it this far! Anyways here is my Budget for this week. I decided to write it down. I still have it in my google spreadsheet but I just decided to do it this way. I will say I already blew through my spending and restaurant budget 😒 but it’s ok I know that Tuesday I get to fill those again hopefully with not as much money because I’m trying to cut down on eating out! #debtfreecommunity  #daveramsey  #financialpeaceuniversity  #debt  #debtfreejourney  #debtsnowball  #babystep1  #thetotalmoneymakeover  #budget  #zerobasedbudget  #debtfreejourney  #goals  #debt  #financialplan  #fpu  #llnoe  #daveramsey  #budgetgoals 
Instead of shopping, I’m spending my Saturday mending some clothing! My husband got a hole in his shorts (we live in a year round shorts area) and also one of my scrub bottoms split down the side - so I finally forced myself to take out my sewing machine and mend both 👊🏻
Instead of shopping, I’m spending my Saturday mending some clothing! My husband got a hole in his shorts (we live in a year round shorts area) and also one of my scrub bottoms split down the side - so I finally forced myself to take out my sewing machine and mend both 👊🏻
Meal plan and shopping list done ✅ Budget for the week done ✅ Sunday funday indeed! I guess there are benefits to waking up waaaay too early due to messed up sleep from night shift life 💤 Now.... Coffee time ☕️😍
Meal plan and shopping list done ✅ Budget for the week done ✅ Sunday funday indeed! I guess there are benefits to waking up waaaay too early due to messed up sleep from night shift life 💤 Now.... Coffee time ☕️😍
Here I go, quoting myself again 🙄😂 I said this to @minimalist.mo the other day and had to share it with you guys...
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Doesn’t it feel amazing to let go! I know that when I finally call it and make the decision to let go of something that doesn’t serve me, I feel a weight lifted and a sense of freedom.
Here I go, quoting myself again 🙄😂 I said this to @minimalist.mo the other day and had to share it with you guys... - Doesn’t it feel amazing to let go! I know that when I finally call it and make the decision to let go of something that doesn’t serve me, I feel a weight lifted and a sense of freedom.
And my favorite bill that’s gone... the truck payment!!! This one was our biggest monthly minimums at $430. Since my car has been paid off five years, this was our only auto loan during our snowball and since it fell under half our income, it passed Dave’s criteria. Also, with all of the renovations we were doing to the house we just sold, it made sense to keep it. But boy am I glad it is gone!! And I gonna keep sharing photos of all these payoffs!! 😂❤️#debtfreecommunity #debtfreejourney #debtsnowball #babystep2 #zerobasedbudget #daveramsey #livelikenooneelse
And my favorite bill that’s gone... the truck payment!!! This one was our biggest monthly minimums at $430. Since my car has been paid off five years, this was our only auto loan during our snowball and since it fell under half our income, it passed Dave’s criteria. Also, with all of the renovations we were doing to the house we just sold, it made sense to keep it. But boy am I glad it is gone!! And I gonna keep sharing photos of all these payoffs!! 😂❤️#debtfreecommunity  #debtfreejourney  #debtsnowball  #babystep2  #zerobasedbudget  #daveramsey  #livelikenooneelse 
My husband and I keep a running list of things we would like to budget for. Every month when we sit down to do our budget, we look at the list decide which items take priority and which items can wait.
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We’ve had “six-seater dining set” on our list for a while (we had a round table with four seats). It’s not every day that we need more seating, but it comes up occasionally as we have family & friends over. So this item was always pushed to the back burner on our “budget wish list”. Coincidentally last week, our wonderful next-door neighbors (you know who you are!❤️) posted on our community FB page that they were selling their dining set! It is the perfect fit and we were happy to give their set a new home.❤️ It also made it easy to transport since our houses are actually attached to each other🤣 #townhouselife 🙌🏻 And then our set sold on FB marketplace in a few hours and someone is picking it up from us today 🙌🏻
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Now let’s talk budget! You may wonder how we were able to easily pay for something like this that we hadn’t budgeted in at the beginning of the month. This was covered by what I refer to as our extra “cash flow.” As I mentioned in my previous post on zero-based budgeting, we underestimate my husband’s paychecks at the beginning of the month, so we know our priorities are covered in a worst-case scenario. But usually, as the month goes on, we end up with extra money to allocate as his paychecks come in. My husband is paid weekly, so we had already earned the extra money this month to simply cash flow this purchase. It’s still accounted for and tracked in @everydollar. Bottom line is - by diligently tracking both our income and spending in real time, we confidently know what we can cash flow and what needs to wait. 💰
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Do you keep a “budget wish list” with your spouse? We find it helpful to have a shared list on our phones (we use the AnyList app), and when we think of something randomly, we add it to the list and then revisit it together later. What works for you?😊
My husband and I keep a running list of things we would like to budget for. Every month when we sit down to do our budget, we look at the list decide which items take priority and which items can wait. • We’ve had “six-seater dining set” on our list for a while (we had a round table with four seats). It’s not every day that we need more seating, but it comes up occasionally as we have family & friends over. So this item was always pushed to the back burner on our “budget wish list”. Coincidentally last week, our wonderful next-door neighbors (you know who you are!❤️) posted on our community FB page that they were selling their dining set! It is the perfect fit and we were happy to give their set a new home.❤️ It also made it easy to transport since our houses are actually attached to each other🤣 #townhouselife  🙌🏻 And then our set sold on FB marketplace in a few hours and someone is picking it up from us today 🙌🏻 • Now let’s talk budget! You may wonder how we were able to easily pay for something like this that we hadn’t budgeted in at the beginning of the month. This was covered by what I refer to as our extra “cash flow.” As I mentioned in my previous post on zero-based budgeting, we underestimate my husband’s paychecks at the beginning of the month, so we know our priorities are covered in a worst-case scenario. But usually, as the month goes on, we end up with extra money to allocate as his paychecks come in. My husband is paid weekly, so we had already earned the extra money this month to simply cash flow this purchase. It’s still accounted for and tracked in @everydollar. Bottom line is - by diligently tracking both our income and spending in real time, we confidently know what we can cash flow and what needs to wait. 💰 • Do you keep a “budget wish list” with your spouse? We find it helpful to have a shared list on our phones (we use the AnyList app), and when we think of something randomly, we add it to the list and then revisit it together later. What works for you?😊
#saturdaymorning Don’t put off till tomorrow what you can do today.
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Financial coaching services starting as low as $50. DM me or visit my website to schedule a free consultation to talk about your life and your money.
#saturdaymorning  Don’t put off till tomorrow what you can do today. • 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.
November has been bananas!
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$1000 to BS3b was done the first week 🥳
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10/15 No Spend Days. Really wish it was more, but I’ll hit this goal.
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Business Tasks 6-10 are in progress. Weather isn’t cooperating for me AT ALL. Snow + Ice might hold this one back. 😒
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My budget templates are done. I will print these out on the beginning of December. Digital planning is so convenient, but I just can’t give up paper yet. 🤷🏻‍♀️
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On a side note, my dad walked out of car accident coming back from a fishing trip. He hit ice + spun into a wall. My mom has been asking me about finances and what I would do for a new vehicle. 🤓 We talked about how much she had, and I said I wouldn’t go into debt for a new vehicle.
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I can honestly say November has not been even a tiny bit boring.😂
November has been bananas! • $1000 to BS3b was done the first week 🥳 • 10/15 No Spend Days. Really wish it was more, but I’ll hit this goal. • Business Tasks 6-10 are in progress. Weather isn’t cooperating for me AT ALL. Snow + Ice might hold this one back. 😒 • My budget templates are done. I will print these out on the beginning of December. Digital planning is so convenient, but I just can’t give up paper yet. 🤷🏻‍♀️ • On a side note, my dad walked out of car accident coming back from a fishing trip. He hit ice + spun into a wall. My mom has been asking me about finances and what I would do for a new vehicle. 🤓 We talked about how much she had, and I said I wouldn’t go into debt for a new vehicle. • I can honestly say November has not been even a tiny bit boring.😂
💰What would you do with an extra $628 after completing Dave Ramsey's most popular (and quick!) money-saving tip? // That’s the average savings after having an independent insurance agent check your home & auto insurance rates. Would you top off your emergency fund? Knock out your debt? Boost your retirement fund? The possibilities are endless! So what are you waiting for?
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⚠️OolaFinance Goal: Review your home & auto insurance in November. 👉🏼Action steps: Call or email your current provider and two other independent insurers to ensure you're getting a fair deal. 🔎 Google to find some. Independent insurance agents are like personal shoppers—they’re not limited to a single provider’s options.
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🍀 Are you in AZ, CO, IA, MN, ND, SD or WI? Lucky!! The Canopy Group (and MN Independent Insurance Agents & Brokers Association’s 2018 Agency of the Year) writes policies in your state and I recommended them. WE SAVED $1,050! While saving money is awesome, cutting costs by cutting corners isn't. These extremely responsive agents walk you through your options so you can make decisions right for you.
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⏱To learn more about The Canopy Group, swipe left you or take a minute to request a quote online (www.thecanopygroup.com) or call Lynn Johnson at 507-665-8640 if you’re in one of those states.
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🤗No thanks needed . . . all I ask is that you comment below what you saved and what you're putting the savings toward. .
#TheCanopyGroup #NotAnAd #NotSponsored
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#oolafinance #oolafamily
💰What would you do with an extra $628 after completing Dave Ramsey's most popular (and quick!) money-saving tip? // That’s the average savings after having an independent insurance agent check your home & auto insurance rates. Would you top off your emergency fund? Knock out your debt? Boost your retirement fund? The possibilities are endless! So what are you waiting for? . ⚠️OolaFinance Goal: Review your home & auto insurance in November. 👉🏼Action steps: Call or email your current provider and two other independent insurers to ensure you're getting a fair deal. 🔎 Google to find some. Independent insurance agents are like personal shoppers—they’re not limited to a single provider’s options. . 🍀 Are you in AZ, CO, IA, MN, ND, SD or WI? Lucky!! The Canopy Group (and MN Independent Insurance Agents & Brokers Association’s 2018 Agency of the Year) writes policies in your state and I recommended them. WE SAVED $1,050! While saving money is awesome, cutting costs by cutting corners isn't. These extremely responsive agents walk you through your options so you can make decisions right for you. . ⏱To learn more about The Canopy Group, swipe left you or take a minute to request a quote online (www.thecanopygroup.com) or call Lynn Johnson at 507-665-8640 if you’re in one of those states. . 🤗No thanks needed . . . all I ask is that you comment below what you saved and what you're putting the savings toward. . #TheCanopyGroup  #NotAnAd  #NotSponsored  . #oolafinance  #oolafamily 
Our car loan is under $10k!! This is not our current snowball so this is from minimum payments but our 1st goal for 2019 will be to pay this car off!
Our car loan is under $10k!! This is not our current snowball so this is from minimum payments but our 1st goal for 2019 will be to pay this car off!
Amazon (and American Eagle) are officially paid off. I didn't include AE in my overall debt because it was only about $30, but every little bit helps! You'll notice the biggest change from my last screenshot: my available credit went from over $700 to $0.

I canceled my first 2 credit cards,  I was so nervous about doing it but after the fact I feel better!
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#debtfreecommunity #daveramsey #totalmoneymakeover #debtfreejourney 
#zerobasedbudget 
#babystep2
Amazon (and American Eagle) are officially paid off. I didn't include AE in my overall debt because it was only about $30, but every little bit helps! You'll notice the biggest change from my last screenshot: my available credit went from over $700 to $0. I canceled my first 2 credit cards, I was so nervous about doing it but after the fact I feel better! . . . . . . #debtfreecommunity  #daveramsey  #totalmoneymakeover  #debtfreejourney  #zerobasedbudget  #babystep2 
Luckily when it’s required I don’t have to live pay-by-pay. Even though I like to have a zero based budget, it’s times like this weekend that having a positive bank balance is helpful. 
I am on a school excursion this weekend with 9 students for a Robotics competition. I have had to purchase our meals from my pocket and will hopefully be reimbursed next week 🤞🏻 We often have to pay our own expenses, and get reimbursed at a later date. If I didn’t have savings I am not sure anyone in the office would understand, and I would not have been able be able to run this excursion. #zerobasedbudget #expenses #schoolexcursion #thankful
Luckily when it’s required I don’t have to live pay-by-pay. Even though I like to have a zero based budget, it’s times like this weekend that having a positive bank balance is helpful. I am on a school excursion this weekend with 9 students for a Robotics competition. I have had to purchase our meals from my pocket and will hopefully be reimbursed next week 🤞🏻 We often have to pay our own expenses, and get reimbursed at a later date. If I didn’t have savings I am not sure anyone in the office would understand, and I would not have been able be able to run this excursion. #zerobasedbudget  #expenses  #schoolexcursion  #thankful 
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I forgot to color in today. 
2nd of 12 no-spend challenges to not spend money between paydays until end of April 2019.
I don’t even buy “good deals”. Someone pointed out a deal on large Dawn dish soap for “only $1.97” and they are stockpiling. No thank you. I still got one backup bottle at home and I am only on day 7 of my 13 days nospend days.
🍂 I forgot to color in today. 2nd of 12 no-spend challenges to not spend money between paydays until end of April 2019. I don’t even buy “good deals”. Someone pointed out a deal on large Dawn dish soap for “only $1.97” and they are stockpiling. No thank you. I still got one backup bottle at home and I am only on day 7 of my 13 days nospend days.
I care enough to fix the debt crisis we all fall accustomed to. My goal is to help guide individuals and families to financial freedom.
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What are you passionate enough about to help change?
•
Financial coaching services starting as low as $50. DM me or visit my website to schedule a free consultation to talk about your life and your money.
I care enough to fix the debt crisis we all fall accustomed to. My goal is to help guide individuals and families to financial freedom. • What are you passionate enough about to help change? • Financial coaching services starting as low as $50. DM me or visit my website to schedule a free consultation to talk about your life and your money.
Waiting for my husband to come home, dreaming of burgers 🍔 and cocktails 🍹. We squeezed date night into the budget because we were REALLY TIRED of being a couple of 🛋🥔’s and we are in need some focused time for us. #mcmenaminspassport #fititinthebudget #makedatenightgreatagain #zerobasedbudget #makeusapriority
I knew my budget going in so after some quick math I decided to grab my toddler some snacks because they were on sale and had a coupon. Here’s to staying on budget. 🙌🏻
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#debtfreejourney #debtfreecommunity #debt #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #debtfree #minimalism #minimalistjourney #declutter
I love @deliberate_intention’s hashtags #makeyourbed and #goforawalk... so I thought I’d add one to the mix.
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#putitaway
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It seriously makes a difference! I feel so much calmer when everything is away in its place and I can look around and know where everything is.
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Give it a go and please show me if you do! I’d love to see how you #putitaway.
I love @deliberate_intention’s hashtags #makeyourbed  and #goforawalk ... so I thought I’d add one to the mix. - #putitaway  - It seriously makes a difference! I feel so much calmer when everything is away in its place and I can look around and know where everything is. - Give it a go and please show me if you do! I’d love to see how you #putitaway .
Yesterday was payday and in keeping with our November goal (living on half our income), I immediately transferred half our paychecks into a savings account with a different bank. It stung a bit to see the checking account so low right after getting paid, but I know this will be the secret to our success! I keep reminding myself of this quote from the almighty Warren Buffett. ///
#debtfreecommunity #debtfreeliving #debtfreedom #savemoney #financialindependence #financialfreedom #debtfreejourney #zerobasedbudget #babysteps #bs3b #babystep3b #savingsgoals #livewithless #excepthashtags
Yesterday was payday and in keeping with our November goal (living on half our income), I immediately transferred half our paychecks into a savings account with a different bank. It stung a bit to see the checking account so low right after getting paid, but I know this will be the secret to our success! I keep reminding myself of this quote from the almighty Warren Buffett. /// #debtfreecommunity  #debtfreeliving  #debtfreedom  #savemoney  #financialindependence  #financialfreedom  #debtfreejourney  #zerobasedbudget  #babysteps  #bs3b  #babystep3b  #savingsgoals  #livewithless  #excepthashtags 
When your 12 year old stepdaughter donates $33 of her savings so that we can reach our house goal faster 😂😍 🤦🏻‍♀️
I think she is sick of me talking about budgeting 😏

#savemoney #liveonless #progress #debtfree #budget #zerobasedbudget #housebuilding #downpayment #debtfreejourney #babysteps #babystep3b #personalfinance #money #daveramsey #suzeorman #ficommunity #goals #frugal #work #hardwork #debtfreeliving #debtfreecommunity #moneygoals #llnoe #fire #motivation #frugallife #gazelleintense #debtfreisthenewsexy
When your 12 year old stepdaughter donates $33 of her savings so that we can reach our house goal faster 😂😍 🤦🏻‍♀️ I think she is sick of me talking about budgeting 😏 #savemoney  #liveonless  #progress  #debtfree  #budget  #zerobasedbudget  #housebuilding  #downpayment  #debtfreejourney  #babysteps  #babystep3b  #personalfinance  #money  #daveramsey  #suzeorman  #ficommunity  #goals  #frugal  #work  #hardwork  #debtfreeliving  #debtfreecommunity  #moneygoals  #llnoe  #fire  #motivation  #frugallife  #gazelleintense  #debtfreisthenewsexy 
Here’s my mid month review for November and it’s a bit of a mixed bag:
💷 lunch every day ❌ failed. Bought lunch twice already.
💷 10 NSDs ✅ on track with 8 so far.
💷 £100 to baby emergency fund ✅ on track hopefully 💷 £80 per week for groceries ✅ on track so far
🏃🏼‍♀️exercise 4 times a week 🤷🏼‍♀️ on track this week, only 3 last week though. Might even out by the end of the month
🎁 majority of Christmas shopping done ✅ not all done but getting there
🛏 bed by 10pm weekdays ❌ big fat fail 😝
👩🏼 meet up with a friend ✅ had a running buddy for the first time in forever 😃
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How are you doing with your November goals?
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#ukdebtfreecommunity#sidehustle#hustle#debtfreejourney#sideincome#cashisking#debtfreecommunity#emergencyfund#babysteps#babystep1#daveramsey#savings#moneysaving#frugal#frugalliving#budgeting#zerobasedbudget#sinkingfunds#ebai
y#moneymaking#savingmoney#nospendday#mealplanning#grocerybudget#trackingspending#novembergoals#budget update
Here’s my mid month review for November and it’s a bit of a mixed bag: 💷 lunch every day ❌ failed. Bought lunch twice already. 💷 10 NSDs ✅ on track with 8 so far. 💷 £100 to baby emergency fund ✅ on track hopefully 💷 £80 per week for groceries ✅ on track so far 🏃🏼‍♀️exercise 4 times a week 🤷🏼‍♀️ on track this week, only 3 last week though. Might even out by the end of the month 🎁 majority of Christmas shopping done ✅ not all done but getting there 🛏 bed by 10pm weekdays ❌ big fat fail 😝 👩🏼 meet up with a friend ✅ had a running buddy for the first time in forever 😃 . How are you doing with your November goals? . 💷💶💸💵 . . #ukdebtfreecommunity #sidehustle #hustle #debtfreejourney #sideincome #cashisking #debtfreecommunity #emergencyfund #babysteps #babystep1 #daveramsey #savings #moneysaving #frugal #frugalliving #budgeting #zerobasedbudget #sinkingfunds #ebai  y#moneymaking #savingmoney #nospendday #mealplanning #grocerybudget #trackingspending #novembergoals #budget  update
BABY STEP FRIDAY:
This is my personal #debtfreejourney and I use instagram as my journal 📓. It’s what keeps me on track, I find an immense amount of support from the #debtfreecommunity here. Though you may tire of my posts, if I can inspire just one who follows me to do the same, then it will be worth the time for me. I have my story on how I lost everything and had to struggle on my own for some time. I then met and married someone who also had just lost everything. We were starting from less than zero with an understanding of how each of us got here. After devastating divorces, massive court costs, custody loss, injuries, job loss, home loss, foreclosures and bankruptcy, we had each other and we believed we could find our way back to financial security and eventually wealth. Each Friday I will do my best to continue to tell our story. 🙏 Thank you #daveramsey 🙏
BABY STEP FRIDAY: This is my personal #debtfreejourney  and I use instagram as my journal 📓. It’s what keeps me on track, I find an immense amount of support from the #debtfreecommunity  here. Though you may tire of my posts, if I can inspire just one who follows me to do the same, then it will be worth the time for me. I have my story on how I lost everything and had to struggle on my own for some time. I then met and married someone who also had just lost everything. We were starting from less than zero with an understanding of how each of us got here. After devastating divorces, massive court costs, custody loss, injuries, job loss, home loss, foreclosures and bankruptcy, we had each other and we believed we could find our way back to financial security and eventually wealth. Each Friday I will do my best to continue to tell our story. 🙏 Thank you #daveramsey  🙏
This is a total of $2,200 for the month of November!! We keep outdoing ourselves and I'm so pumped.

My husband got a raise in August and instead of giving ourselves more leeway in our budget... Something we could definitely appreciate... We kept chugging along as usual to put ALL of his raise each month into our snowball.

The best news is that this is still not counting our #sidehustle.  eBay sales are going decently and we are at $200 profit for the month.  Our goal is to hit $300 each month and put it toward debt on the last day of the month. $300 shouldn't be a problem (fingers crossed!) So we're looking at $2,500 to debt this MONTH!! On TOP of our minimums. What on Earth?!? Insane.

#debtfreecommunity #ebayseller #ebay #reseller #debtfreeliving #studentloans #payingbills #payingoffdebt #budgetmom #onabudget #frugalliving #budget #debtsnowball #daveramseybabysteps #babystep2 #debtfreejourney #killinit #zerobasedbudget #homemaker #sahm #gazelleintense
This is a total of $2,200 for the month of November!! We keep outdoing ourselves and I'm so pumped. My husband got a raise in August and instead of giving ourselves more leeway in our budget... Something we could definitely appreciate... We kept chugging along as usual to put ALL of his raise each month into our snowball. The best news is that this is still not counting our #sidehustle . eBay sales are going decently and we are at $200 profit for the month. Our goal is to hit $300 each month and put it toward debt on the last day of the month. $300 shouldn't be a problem (fingers crossed!) So we're looking at $2,500 to debt this MONTH!! On TOP of our minimums. What on Earth?!? Insane. #debtfreecommunity  #ebayseller  #ebay  #reseller  #debtfreeliving  #studentloans  #payingbills  #payingoffdebt  #budgetmom  #onabudget  #frugalliving  #budget  #debtsnowball  #daveramseybabysteps  #babystep2  #debtfreejourney  #killinit  #zerobasedbudget  #homemaker  #sahm  #gazelleintense 
Inspired by @doctor_in_debt 💚 These are a few things I try to do this time of year!  What are some other amazing strategies I am missing? .
OHH... also I’ve totally gone Black Friday shopping but without my wallet.  You CAN cheer on others and no spend too.  And maintain a social life 😂
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And who else loves #8 🙋🏼‍♀️🙋🏼‍♀️🙋🏼‍♀️
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#debtfreecommunity #budget #budgetsarelife #zerobasedbudget
Inspired by @doctor_in_debt 💚 These are a few things I try to do this time of year! What are some other amazing strategies I am missing? . OHH... also I’ve totally gone Black Friday shopping but without my wallet. You CAN cheer on others and no spend too. And maintain a social life 😂 . And who else loves #8  🙋🏼‍♀️🙋🏼‍♀️🙋🏼‍♀️ . #debtfreecommunity  #budget  #budgetsarelife  #zerobasedbudget 
I miss filling out my debt snowball template! 😍 It’s almost weird to say that. I miss the journey of getting out of debt! There. I said it. So crazy how motivated I was to get out of debt and now my switch has flipped. •
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I need to make a fun one for savings to help motivate me. It’s nice that we’ve been able to cash flow a lot of things, but we really need to buckle down and get our emergency fund done so we can buy our sailboat! ⛵️ •
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This template is available for  FREE on my website. Click the link in my bio and then “Free Resources”. I’m working on revamping all of my freebies. The original balance, current balance, and Minimum Payment columns automatically total at the bottom. This does not calculate your debt free date. If you’re wanting to do that, check out the EasyBudget Debt Snowball Calculator in the link in my bio. •
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**Edit to add. Our debt snowball is out of order because we were working it separately before getting married. We also paid off the credit cards before my student loans. **
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#debtfreecommunity #debtfreeinsunnyca #debtfree #weredebtfree #debtfreejourney #emergencyfund #babystep2 #babystep3 #budget #zerobasedbudget #daveramsey #financiallyindependent #fire #frugal #savemoney #cashenvelopes #cashisking
I miss filling out my debt snowball template! 😍 It’s almost weird to say that. I miss the journey of getting out of debt! There. I said it. So crazy how motivated I was to get out of debt and now my switch has flipped. • • I need to make a fun one for savings to help motivate me. It’s nice that we’ve been able to cash flow a lot of things, but we really need to buckle down and get our emergency fund done so we can buy our sailboat! ⛵️ • • This template is available for FREE on my website. Click the link in my bio and then “Free Resources”. I’m working on revamping all of my freebies. The original balance, current balance, and Minimum Payment columns automatically total at the bottom. This does not calculate your debt free date. If you’re wanting to do that, check out the EasyBudget Debt Snowball Calculator in the link in my bio. • • **Edit to add. Our debt snowball is out of order because we were working it separately before getting married. We also paid off the credit cards before my student loans. ** • • #debtfreecommunity  #debtfreeinsunnyca  #debtfree  #weredebtfree  #debtfreejourney  #emergencyfund  #babystep2  #babystep3  #budget  #zerobasedbudget  #daveramsey  #financiallyindependent  #fire  #frugal  #savemoney  #cashenvelopes  #cashisking 
It’s a snow day! Working from home and daydreaming about having this chart complete! We were helped this week by some awesome interest from Ally!

#savemoney #liveonless #progress #debtfree #budget #zerobasedbudget #housebuilding #downpayment #debtfreejourney #babysteps #babystep3b #personalfinance #money #ficommunity #goals #frugal #work #hardwork #debtfreeliving #debtfreecommunity #moneygoals #llnoe #fire #motivation #frugallife #gazelleintense #debtfreisthenewsexy
It’s a snow day! Working from home and daydreaming about having this chart complete! We were helped this week by some awesome interest from Ally! #savemoney  #liveonless  #progress  #debtfree  #budget  #zerobasedbudget  #housebuilding  #downpayment  #debtfreejourney  #babysteps  #babystep3b  #personalfinance  #money  #ficommunity  #goals  #frugal  #work  #hardwork  #debtfreeliving  #debtfreecommunity  #moneygoals  #llnoe  #fire  #motivation  #frugallife  #gazelleintense  #debtfreisthenewsexy 
Life insurance is a good idea when you have a lot of financial obligations (kids, mortgage, and other debt). Term life insurance is particularly worth it because it's the most affordable type of life insurance available that provides a tax-free lump sum death benefit.
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It’s called "term" because the policy lasts a set amount of time and then expires, after which you will no longer be covered by it. You’ll have to buy a new policy or renew the old one before it expires if you want to remain covered after the initial term.
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It’s an easy-to-understand insurance product. This might not sound like that big of a deal, but once you take a look at all the varieties of permanent life insurance, you’ll appreciate how straightforward term life is.
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It’s good for young families Because term life doesn’t build cash value and only covers a specific period, it’s less expensive than whole life insurance and a better value for young families. Many young families are financially stressed, shouldering the costs of caring for small children, a mortgage, perhaps an auto loan, saving for college and retirement and other expenses. Term life insurance can provide peace of mind without gutting your wallet.
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If you live in KY, or TN and are looking to buy term life insurance send me a dm. I'm licensed insurance broker and would love to get you the best deal.
Life insurance is a good idea when you have a lot of financial obligations (kids, mortgage, and other debt). Term life insurance is particularly worth it because it's the most affordable type of life insurance available that provides a tax-free lump sum death benefit. . It’s called "term" because the policy lasts a set amount of time and then expires, after which you will no longer be covered by it. You’ll have to buy a new policy or renew the old one before it expires if you want to remain covered after the initial term. . It’s an easy-to-understand insurance product. This might not sound like that big of a deal, but once you take a look at all the varieties of permanent life insurance, you’ll appreciate how straightforward term life is. . It’s good for young families Because term life doesn’t build cash value and only covers a specific period, it’s less expensive than whole life insurance and a better value for young families. Many young families are financially stressed, shouldering the costs of caring for small children, a mortgage, perhaps an auto loan, saving for college and retirement and other expenses. Term life insurance can provide peace of mind without gutting your wallet. . If you live in KY, or TN and are looking to buy term life insurance send me a dm. I'm licensed insurance broker and would love to get you the best deal.
Frugal Friday tip!!!
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I travel sometimes for work as well as with my sons basketball team throughout the year and sometimes we have to fly. Majority of the time we fly @southwestair when we do. Well a few months back I signed up for the @southwestair dining rewards account that’s linked to my rapid rewards account. For every $1 I spend I earn 3 points. This is beyond great for me. All you have to do is attach your cards to the account and you start earning. Granted, the restaurant/dining has to be signed up with Southwest but most major cities have numerous places that are. I’ve earned 260 rewards thus far with doing my normal thing.
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If you are on a budget I understand, because I am too! Im not trying to make you spend money because Im not trying to as well! But if you have to spend some money, might as well get something out of it. Right? .
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Disclaimer: I’m not getting paid to tell you this, I just like points! .
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#debtfreecommunity #debtfreejourney #debtsnowball #debt #debtfree #financialfreedom #debtfreegoals #debtfreedom #getoutofdebt #payoffdebt #budgeting #daveramsey #babysteps #financialpeace #financialgoals #livelikenooneelse #gazelleintense #debtisdumb #zerobasedbudget #debtsnowball #debtavalanche #ynab
Frugal Friday tip!!! . . . I travel sometimes for work as well as with my sons basketball team throughout the year and sometimes we have to fly. Majority of the time we fly @southwestair when we do. Well a few months back I signed up for the @southwestair dining rewards account that’s linked to my rapid rewards account. For every $1 I spend I earn 3 points. This is beyond great for me. All you have to do is attach your cards to the account and you start earning. Granted, the restaurant/dining has to be signed up with Southwest but most major cities have numerous places that are. I’ve earned 260 rewards thus far with doing my normal thing. . . If you are on a budget I understand, because I am too! Im not trying to make you spend money because Im not trying to as well! But if you have to spend some money, might as well get something out of it. Right? . . Disclaimer: I’m not getting paid to tell you this, I just like points! . . #debtfreecommunity  #debtfreejourney  #debtsnowball  #debt  #debtfree  #financialfreedom  #debtfreegoals  #debtfreedom  #getoutofdebt  #payoffdebt  #budgeting  #daveramsey  #babysteps  #financialpeace  #financialgoals  #livelikenooneelse  #gazelleintense  #debtisdumb  #zerobasedbudget  #debtsnowball  #debtavalanche  #ynab 
This is what’s left of our Christmas fund!  I transferred $250 from our @capitalone 360 savings account at the beginning of the month to purchase several paintings from Etsy!  Got the idea from @goaldigger_pdx!  We are trying to be more intentional with gifts so we are gifting families (instead of individuals) watercolor portraits!  This remainder I am getting ready to transfer will be for our kids, God Kids and siblings.  We don’t usually do presents to each other but my hubby asked for at least $50 for my present so I will do the same.  And I’m so thankful we had this Christmas #sinkingfund! @thefiguremaker always sending reminders about SF’s has definitely helped!  This is the first time we’ve been this intentional with our Christmas spending and gifting!  I usually go overboard and buy multiple gifts but not this year!
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#debtfree #debtfreecommunity #debtfreejourney #financialfreedom #emergencyfund #daveramsey #babystep2 #cashenvelopes #cashmoney #cashclips #budget #babysteps #totalmoneymakeover #changingmyfamilytree #takingcontrolofmyfinances #zerodollarbudget #sinkingfunds #zerobasedbudget #debtisdumb #cashisking #minimalist #minimalism #intentionalism #intentionalliving #livingintentionally #livewithless #livingwithless
This is what’s left of our Christmas fund! I transferred $250 from our @capitalone 360 savings account at the beginning of the month to purchase several paintings from Etsy! Got the idea from @goaldigger_pdx! We are trying to be more intentional with gifts so we are gifting families (instead of individuals) watercolor portraits! This remainder I am getting ready to transfer will be for our kids, God Kids and siblings. We don’t usually do presents to each other but my hubby asked for at least $50 for my present so I will do the same. And I’m so thankful we had this Christmas #sinkingfund ! @thefiguremaker always sending reminders about SF’s has definitely helped! This is the first time we’ve been this intentional with our Christmas spending and gifting! I usually go overboard and buy multiple gifts but not this year! . . . #debtfree  #debtfreecommunity  #debtfreejourney  #financialfreedom  #emergencyfund  #daveramsey  #babystep2  #cashenvelopes  #cashmoney  #cashclips  #budget  #babysteps  #totalmoneymakeover  #changingmyfamilytree  #takingcontrolofmyfinances  #zerodollarbudget  #sinkingfunds  #zerobasedbudget  #debtisdumb  #cashisking  #minimalist  #minimalism  #intentionalism  #intentionalliving  #livingintentionally  #livewithless  #livingwithless 
There are different ways to handle your money, but we like using a zero-based budget. 💰 What exactly does this mean? It means that when we look at the month ahead, we allocate every dollar we project to earn into our budget categories until we have zero dollars left. It ensures that every dollar is accounted for (before the month even begins) and has a job.
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Remember that budget categories are not solely for expenses & bills. We also have categories for giving & church, as well as savings & retirement. It’s also helpful to have categories for any debt payments you may have.
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Overall, we like using a zero-based budget because nothing falls through the cracks. We decide before the month even starts where each dollar is going. This helps us to feel confident when we do spend because we know we have it on hand.👍🏻
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It’s certainly easier to use a zero-based budget if you have a regular salaried pay, but it is possible to do otherwise. My husband’s income varies based on commission, but we still work through a monthly zero-based budget. We simply make a low estimate of what his paychecks will be for the month. By underestimating, we know we can cover everything we need to in a worst case scenario. As any paycheck comes in that is higher than expected, we take that overage amount and allocate it to our top priority categories. At the end of the day, all of our income is accounted for and given direction.☑️
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Do you use a zero-based budget? Something different? Let me know!👇🏻
There are different ways to handle your money, but we like using a zero-based budget. 💰 What exactly does this mean? It means that when we look at the month ahead, we allocate every dollar we project to earn into our budget categories until we have zero dollars left. It ensures that every dollar is accounted for (before the month even begins) and has a job. • Remember that budget categories are not solely for expenses & bills. We also have categories for giving & church, as well as savings & retirement. It’s also helpful to have categories for any debt payments you may have. • Overall, we like using a zero-based budget because nothing falls through the cracks. We decide before the month even starts where each dollar is going. This helps us to feel confident when we do spend because we know we have it on hand.👍🏻 • It’s certainly easier to use a zero-based budget if you have a regular salaried pay, but it is possible to do otherwise. My husband’s income varies based on commission, but we still work through a monthly zero-based budget. We simply make a low estimate of what his paychecks will be for the month. By underestimating, we know we can cover everything we need to in a worst case scenario. As any paycheck comes in that is higher than expected, we take that overage amount and allocate it to our top priority categories. At the end of the day, all of our income is accounted for and given direction.☑️ • Do you use a zero-based budget? Something different? Let me know!👇🏻
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S O M E D A Y.
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We all think about “someday” from time to time.
Sometimes the thoughts are simple and sometimes they’re more complex. These thoughts evolve and change as time goes by.
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Thinking of Someday is a personal blog with a keen focus on personal finance and how it tends to affect every aspect of your life. If you want to see how it’s possible for the average young couple to balance family and finances while avoiding debt, then you’re in the right place.
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Click the link in our bio and take a look around. We started blogging over a year ago, but then took a break. More like an extended vacation. Lol. But we’re back now!
S O M E D A Y. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ We all think about “someday” from time to time. Sometimes the thoughts are simple and sometimes they’re more complex. These thoughts evolve and change as time goes by. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Thinking of Someday is a personal blog with a keen focus on personal finance and how it tends to affect every aspect of your life. If you want to see how it’s possible for the average young couple to balance family and finances while avoiding debt, then you’re in the right place. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Click the link in our bio and take a look around. We started blogging over a year ago, but then took a break. More like an extended vacation. Lol. But we’re back now!
Wedding Fund Update: 
I added a couple of hearts.
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Dont let anywho squash the idea that true love doesnt exist. .
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Im a hopeful romantic 😍👸🏽.
Wedding Fund Update: I added a couple of hearts. . . Dont let anywho squash the idea that true love doesnt exist. . . Im a hopeful romantic 😍👸🏽.
If you want to change your life, change your choices.
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You if want different results, change your habits.
If you want to change your life, change your choices. . . You if want different results, change your habits.
A quick tip to help keep your savings goals motivated and fun is to name your accounts with quirky titles so every time you open them you are reminded why you are working so hard to hit them!! .
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Some of the names I have had over the years are ....
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-💂🏼‍♀️ Red N Em do the UK.
- 🚙 Smash Frog Loan.
-🌪 Savings Storm.
- 🏡 Bills Busters.
- ❌ Don’t Farkin Touch.
- ✈️ Work Flights.
- 💃 Party Like it’s 1999!.
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Just to name a few ❤️ you can call them what ever you need to get you across the line and straight in your goals! .
Hope you have a great weekend 🥳.
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#debtfreedom #debtsucks #debtfree #debtfreecommunity #debtfreejourney #aussiemoney #debtfreecommunityaustralia #cashisking #freemoney #zerobasedbudget #babystep6 #savingmoney #savings #mortgage #frugallife #frugalfun #frugal #goals #motivaltion #declutter #budget #budgetlife #stepmum #budgeting #budgetplanner #sidehustle #savingtips #financialfriday #ingbank
A quick tip to help keep your savings goals motivated and fun is to name your accounts with quirky titles so every time you open them you are reminded why you are working so hard to hit them!! . . Some of the names I have had over the years are .... . -💂🏼‍♀️ Red N Em do the UK. - 🚙 Smash Frog Loan. -🌪 Savings Storm. - 🏡 Bills Busters. - ❌ Don’t Farkin Touch. - ✈️ Work Flights. - 💃 Party Like it’s 1999!. . Just to name a few ❤️ you can call them what ever you need to get you across the line and straight in your goals! . Hope you have a great weekend 🥳. . #debtfreedom  #debtsucks  #debtfree  #debtfreecommunity  #debtfreejourney  #aussiemoney  #debtfreecommunityaustralia  #cashisking  #freemoney  #zerobasedbudget  #babystep6  #savingmoney  #savings  #mortgage  #frugallife  #frugalfun  #frugal  #goals  #motivaltion  #declutter  #budget  #budgetlife  #stepmum  #budgeting  #budgetplanner  #sidehustle  #savingtips  #financialfriday  #ingbank 
This pay periods grocery haul was a win. 🙌🏻 I just need to grab some chicken breast tomorrow, but that won’t be over $10 which means we stayed within our $200 limit. Plus we got some extra cash from #Ibotta and points for #Fetchrewards
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#debtfreejourney #debtfreecommunity #debt #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #debtfree #minimalism #minimalistjourney #declutter
This pay periods grocery haul was a win. 🙌🏻 I just need to grab some chicken breast tomorrow, but that won’t be over $10 which means we stayed within our $200 limit. Plus we got some extra cash from #Ibotta  and points for #Fetchrewards  ——————————————————————— #debtfreejourney  #debtfreecommunity  #debt  #debtsnowball  #budget  #teamsmallshovel  #zerobasedbudget  #babystep2  #daveramsey  #debtfree  #minimalism  #minimalistjourney  #declutter 
Woody might be the only saver in our family anymore! He’s a frugal pup. Instead of expensive chew toys, he likes sticks, arms, and toes. 😂 Maybe it’s the baby step 3 effect. Buy all the things! I used to think I was a saver, but just because I didn’t spend a whole lot of money doesn’t mean I’m a saver. I’m undecided for now. •
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Josh on the other hand is a free spirit spender. Using cash envelopes has helped so much. 💵 Buddy is a spender just like his dad. Lots and lots of treats. 😋
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How’s the dynamic in your household? Thanks to @conrad_inspire for getting this one started!
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#debtfreecommunity #debtfreeinsunnyca #debtfree #weredebtfree #debtfreejourney #emergencyfund #babystep2 #babystep3 #budget #zerobasedbudget #daveramsey #financiallyindependent #fire #frugal #savemoney #cashenvelopes #cashisking #freespirit #nerd #spender #saver
Woody might be the only saver in our family anymore! He’s a frugal pup. Instead of expensive chew toys, he likes sticks, arms, and toes. 😂 Maybe it’s the baby step 3 effect. Buy all the things! I used to think I was a saver, but just because I didn’t spend a whole lot of money doesn’t mean I’m a saver. I’m undecided for now. • • Josh on the other hand is a free spirit spender. Using cash envelopes has helped so much. 💵 Buddy is a spender just like his dad. Lots and lots of treats. 😋 • • How’s the dynamic in your household? Thanks to @conrad_inspire for getting this one started! • • #debtfreecommunity  #debtfreeinsunnyca  #debtfree  #weredebtfree  #debtfreejourney  #emergencyfund  #babystep2  #babystep3  #budget  #zerobasedbudget  #daveramsey  #financiallyindependent  #fire  #frugal  #savemoney  #cashenvelopes  #cashisking  #freespirit  #nerd  #spender  #saver 
Here is my #groceryhaul for the week. This shop saw me having to buy a few items that I tend to buy every 4-6 wks. Things like cat biscuits, water, honey and margarine. And I treated us to a tub of icream now that its getting hotter.
It did mean I over spent, but only by about $25. Im not worried as this is the first shop of my fortnight, so I will do a smaller shop next week.
I also focused on my flybuy offers this week. I grabbed 2x $50 uber gift cards as they had 2000pts.
I also had a 4400 pt offer if I spend over $110 ending today. Now I had planned on ignoring that one, but then I received another one exactly the same. Technically the second one doesnt start till Saturday, but I have been finding flybuys still give the points once its activated.
So if they give me both of the 4400 pt offers, I will of earnt 12,800pts ($60), but if they dont, then 8800pts ($40) is still pretty good this close to Christmas. 
Grabbed my free flybuys Spice Taylor offer and collected 2 of the Woolworths pop out Christmas decorations.

Woolworths $63.80
Coles 110.34
Total $174.14
Overspent $24.14
Here is my #groceryhaul  for the week. This shop saw me having to buy a few items that I tend to buy every 4-6 wks. Things like cat biscuits, water, honey and margarine. And I treated us to a tub of icream now that its getting hotter. It did mean I over spent, but only by about $25. Im not worried as this is the first shop of my fortnight, so I will do a smaller shop next week. I also focused on my flybuy offers this week. I grabbed 2x $50 uber gift cards as they had 2000pts. I also had a 4400 pt offer if I spend over $110 ending today. Now I had planned on ignoring that one, but then I received another one exactly the same. Technically the second one doesnt start till Saturday, but I have been finding flybuys still give the points once its activated. So if they give me both of the 4400 pt offers, I will of earnt 12,800pts ($60), but if they dont, then 8800pts ($40) is still pretty good this close to Christmas. Grabbed my free flybuys Spice Taylor offer and collected 2 of the Woolworths pop out Christmas decorations. Woolworths $63.80 Coles 110.34 Total $174.14 Overspent $24.14
I’m so hooked to @refinery29 #moneydiaries !! They are the main reason why I felt comfortable talking about money to others #notsponsored .

Personal finance has been such a taboo to talk about among my friends and social circle. I am thankful to #r29 and #debtfreecommunity for encouraging healthy discussions about this 💜

What is your favorite money blog or podcast? Share with us 👇🏼👇🏼 #mindfulwithmoney #moneyatbay #daveramsey #daveramseybabysteps #debtfree #debtfreecommunity #payyourselffirst #zerobasedbudget #budgeting #budgettip #frugal #frugalliving #savingmoney #savinghalfourincomme #newmoney #millenialmoney #savingstrategy #moneyminded #refinery29 #money💰 #gazelleintense #savingtips #newmoney #podcast #financeblog  #personalfinnce #financialfreedom #financeblogger
I’m so hooked to @refinery29 #moneydiaries  !! They are the main reason why I felt comfortable talking about money to others #notsponsored  . Personal finance has been such a taboo to talk about among my friends and social circle. I am thankful to #r29  and #debtfreecommunity  for encouraging healthy discussions about this 💜 What is your favorite money blog or podcast? Share with us 👇🏼👇🏼 #mindfulwithmoney  #moneyatbay  #daveramsey  #daveramseybabysteps  #debtfree  #debtfreecommunity  #payyourselffirst  #zerobasedbudget  #budgeting  #budgettip  #frugal  #frugalliving  #savingmoney  #savinghalfourincomme  #newmoney  #millenialmoney  #savingstrategy  #moneyminded  #refinery29  #money 💰 #gazelleintense  #savingtips  #newmoney  #podcast  #financeblog  #personalfinnce  #financialfreedom  #financeblogger 
Yesterday, I was blessed enough to give back to my community. We sorted through 9,021 lbs of non perishable food items in just 2 hours, which translates into roughly 7,500 meals.
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I thoroughly enjoyed myself with my coworkers and I would like to expose myself in giving back to the community more often. So, I will be adding giving back to my 2019 goals which I am currently drafting. I will be sharing how I goal set next month in my blog. Stay tuned and pay it forward!
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Financial coaching services starting as low as $50. DM me or visit my website to schedule a free consultation to talk about your life and your money.
Yesterday, I was blessed enough to give back to my community. We sorted through 9,021 lbs of non perishable food items in just 2 hours, which translates into roughly 7,500 meals. • I thoroughly enjoyed myself with my coworkers and I would like to expose myself in giving back to the community more often. So, I will be adding giving back to my 2019 goals which I am currently drafting. I will be sharing how I goal set next month in my blog. Stay tuned and pay it forward! • 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.
Controversial opinion: pets are a luxury .
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If you follow the Barefoot Investor method of budgeting, you might know about the split between Daily Expenses and Splurge money. DE is bills, or essentials, and splurge is money for fun and enjoyment in life. I did a post a while back on luxuries versus essentials, but I think pets are worth their own post. .
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I love my dog @lucy_dumpling very much. She has been such a source of joy in our lives, and I’m so thankful that after wanting a dog for over 10 years I finally get to call her my own. So if the rest of this rant sounds heartless, remember that I made my dog an Instagram so I’m one of those owners 😂
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But I don’t consider having pets a necessity. If we were in a huge stack of debt, I wouldn’t have gotten her. We budgeted for her, and have a budget every year now for her grooming and food costs plus a pet emergency fund. But I consider this to be a luxury, something I choose to spend money on. I forgo other luxuries in order to afford Lucy. .
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I see on Facebook groups so often people arguing about how pets need to come out of daily expenses, and that they can’t get out of debt because their DE or necessities are too high. Yes, once you have a pet you need to budget and care for it. But that means you sacrifice other luxury spending. I would rather have Lucy than Netflix and Spotify any day! But for some people, if they can’t make ends meet then perhaps they aren’t in a financial position to care for a pet. .
At the end of the day, we are responsible for the choices we make with our money. I don’t mind if people choose to get pets, but don’t blame the pets for your debt or for why your bills are so high. Take responsibility for your choices and budget for them, including animals. .
Do you think pets are splurge/luxury spending? Or do you think they’re a daily expense?
Controversial opinion: pets are a luxury . . If you follow the Barefoot Investor method of budgeting, you might know about the split between Daily Expenses and Splurge money. DE is bills, or essentials, and splurge is money for fun and enjoyment in life. I did a post a while back on luxuries versus essentials, but I think pets are worth their own post. . . I love my dog @lucy_dumpling very much. She has been such a source of joy in our lives, and I’m so thankful that after wanting a dog for over 10 years I finally get to call her my own. So if the rest of this rant sounds heartless, remember that I made my dog an Instagram so I’m one of those owners 😂 . . But I don’t consider having pets a necessity. If we were in a huge stack of debt, I wouldn’t have gotten her. We budgeted for her, and have a budget every year now for her grooming and food costs plus a pet emergency fund. But I consider this to be a luxury, something I choose to spend money on. I forgo other luxuries in order to afford Lucy. . . I see on Facebook groups so often people arguing about how pets need to come out of daily expenses, and that they can’t get out of debt because their DE or necessities are too high. Yes, once you have a pet you need to budget and care for it. But that means you sacrifice other luxury spending. I would rather have Lucy than Netflix and Spotify any day! But for some people, if they can’t make ends meet then perhaps they aren’t in a financial position to care for a pet. . At the end of the day, we are responsible for the choices we make with our money. I don’t mind if people choose to get pets, but don’t blame the pets for your debt or for why your bills are so high. Take responsibility for your choices and budget for them, including animals. . Do you think pets are splurge/luxury spending? Or do you think they’re a daily expense?
This is my vision board for 2018. These were the goals I set up for myself:
1. No spend year on clothes 
2. Read 6 books
3. Hike more often with husband and dogs 
4. Train regularly 
5. See the sea once per month 
6. Pay debt in advance.
7. Eat ealthier
I am happy to report that I am about to complete number 1, completed 2, did not really make it with 3,4 and 7. Completed half of 5. And freaking killing 6.
Even though we paused our snowball again, I paid 2 consumer loans, lowered another personal, we paid one of hubby’s (basically thanks to my MIL), and saved for a Type Rating for my husband.
I like the idea of a vision board. And if you have so many things that require a lot of behavior changes ( such as improving your finances or go on the healthy side), I truly believe you can’t do it all at once. I crushed the finance part and set up good habits and definitely think I will be able to step up my game next year and incorporate more of the healthy part. I know @thefiguremaker would agree.
How about you? Do you set goals for yourself?
This is my vision board for 2018. These were the goals I set up for myself: 1. No spend year on clothes 2. Read 6 books 3. Hike more often with husband and dogs 4. Train regularly 5. See the sea once per month 6. Pay debt in advance. 7. Eat ealthier I am happy to report that I am about to complete number 1, completed 2, did not really make it with 3,4 and 7. Completed half of 5. And freaking killing 6. Even though we paused our snowball again, I paid 2 consumer loans, lowered another personal, we paid one of hubby’s (basically thanks to my MIL), and saved for a Type Rating for my husband. I like the idea of a vision board. And if you have so many things that require a lot of behavior changes ( such as improving your finances or go on the healthy side), I truly believe you can’t do it all at once. I crushed the finance part and set up good habits and definitely think I will be able to step up my game next year and incorporate more of the healthy part. I know @thefiguremaker would agree. How about you? Do you set goals for yourself?
Did you know that many banks and credit card companies are offering, as part of their services, monthly updates on your credit score? The pictures reflect my credit score as provided by my Citi double cash back card (through Equifax) and my Chase Card (through Transunion).◾️A friend recently asked if it’s true that you should keep a *balance on your credit card in order to have a good credit score - NO. When you keep a balance, you’re paying interest to the credit card companies, so DO not carry a balance! I have 0 credit card debt (ton of student loan debt), but use my cards responsibly and have a solid score. ◾️Keep in mind that checking your credit score number does not excuse you from checking your credit REPORT. You can access your report once a year (for free) through annualcreditreport.com ◾️ How often do you check your credit score? Does your bank/credit card company provide this service? .
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#budget #debtfree #debtfreecommunity #debtfreejourney #debtfreeliving #debtpayoff #debtsnowball #debtsucks #financialfreedom #finances #personalfinance #minimalism #wealth #zerobasedbudget #zerobasedbudgeting #youneedabudget #everydollar #studentloans #studentloandebt #lawschool #lawschooldebt #lawschoolloans #firecommunity #earlyretirement
Did you know that many banks and credit card companies are offering, as part of their services, monthly updates on your credit score? The pictures reflect my credit score as provided by my Citi double cash back card (through Equifax) and my Chase Card (through Transunion).◾️A friend recently asked if it’s true that you should keep a *balance on your credit card in order to have a good credit score - NO. When you keep a balance, you’re paying interest to the credit card companies, so DO not carry a balance! I have 0 credit card debt (ton of student loan debt), but use my cards responsibly and have a solid score. ◾️Keep in mind that checking your credit score number does not excuse you from checking your credit REPORT. You can access your report once a year (for free) through annualcreditreport.com ◾️ How often do you check your credit score? Does your bank/credit card company provide this service? . . . #budget  #debtfree  #debtfreecommunity  #debtfreejourney  #debtfreeliving  #debtpayoff  #debtsnowball  #debtsucks  #financialfreedom  #finances  #personalfinance  #minimalism  #wealth  #zerobasedbudget  #zerobasedbudgeting  #youneedabudget  #everydollar  #studentloans  #studentloandebt  #lawschool  #lawschooldebt  #lawschoolloans  #firecommunity  #earlyretirement 
Since sharing my average monthly expenses, I’ve had a lot of questions about how I manage to spend so little on groceries in NYC. Here’s exactly what I do to spend $200 or less on groceries per month in one of the most expensive cities in the country: 
x
1. I buy almost all of my groceries at Stop and Shop (part of the Giant chain of stores), where grocery prices are more like the national averages. 
x
2. I have a Stop and Shop member card (free!) to access discounts on everyday products. I love scanning it at the end of every transaction and watching the price plummet anywhere from $5-20. 
x
3. I check the Stop and Shop ad to see what’s available for discount, and I stock up. The store almost always has sales on fruit, veggies, and fresh meat. So depending on what’s on sale, that’s what I try to base my meal plan on. 
x
4. I meal plan and shop my pantry. Sometimes my meals are as simple as a cup of rice with some veggies and ground turkey tossed in. Meal planning doesn’t have to be a super involved process. 
x
5. I don’t let myself be tempted by convenience. The Stop and Shop is about three miles from my apartment. Since I don’t have a car, I take an Uber home with all of my bags. I COULD shop at the grocery store behind my apartment building, which is much more expensive, but I plan and set aside time to shop to save money.
Since sharing my average monthly expenses, I’ve had a lot of questions about how I manage to spend so little on groceries in NYC. Here’s exactly what I do to spend $200 or less on groceries per month in one of the most expensive cities in the country: x 1. I buy almost all of my groceries at Stop and Shop (part of the Giant chain of stores), where grocery prices are more like the national averages. x 2. I have a Stop and Shop member card (free!) to access discounts on everyday products. I love scanning it at the end of every transaction and watching the price plummet anywhere from $5-20. x 3. I check the Stop and Shop ad to see what’s available for discount, and I stock up. The store almost always has sales on fruit, veggies, and fresh meat. So depending on what’s on sale, that’s what I try to base my meal plan on. x 4. I meal plan and shop my pantry. Sometimes my meals are as simple as a cup of rice with some veggies and ground turkey tossed in. Meal planning doesn’t have to be a super involved process. x 5. I don’t let myself be tempted by convenience. The Stop and Shop is about three miles from my apartment. Since I don’t have a car, I take an Uber home with all of my bags. I COULD shop at the grocery store behind my apartment building, which is much more expensive, but I plan and set aside time to shop to save money.
Dining out on payday like... x
x
#Repost @jayversace with @get_repost
・・・
welp 🤷🏾‍♂️
Dining out on payday like... x x #Repost  @jayversace with @get_repost ・・・ welp 🤷🏾‍♂️
Over half past my goal for this month. Goal is $700 bucks. I have already paid $563 on it. .
This is me dancing 💃🏽💃🏽💃🏽💃🏽
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Small shovels matter too lol ⛏⛏
Over half past my goal for this month. Goal is $700 bucks. I have already paid $563 on it. . This is me dancing 💃🏽💃🏽💃🏽💃🏽 . Small shovels matter too lol ⛏⛏