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  • penniestowealth
    DJ & Dannie - Debt Free Fam
    @penniestowealth

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Did you know that you can reduce a lot of your monthly bills just by asking nicely? πŸ€”
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We've  been able to get discounts on our cable, internet, phone bill, Sirius radio (when we had it), and a few other things JUST by talking to the customer service reps.
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They have a lot of discounts that they CAN offer, people just don't know that they CAN call up and ask.
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Pro tip: Negotiating REALLY works when you hint that you found a better deal elsewhere. πŸ˜‰
Did you know that you can reduce a lot of your monthly bills just by asking nicely? πŸ€” . We've been able to get discounts on our cable, internet, phone bill, Sirius radio (when we had it), and a few other things JUST by talking to the customer service reps. . They have a lot of discounts that they CAN offer, people just don't know that they CAN call up and ask. . Pro tip: Negotiating REALLY works when you hint that you found a better deal elsewhere. πŸ˜‰
How are you guys doing with your budget so far this month? We're still in the green!!!
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FYI: this is the money we have left. Hence the green lines πŸ˜‚
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(There's a link in our bio about how we use @goodbudgetapp to track our digital envelopes throughout the month)
How are you guys doing with your budget so far this month? We're still in the green!!! ... FYI: this is the money we have left. Hence the green lines πŸ˜‚ . (There's a link in our bio about how we use @goodbudgetapp to track our digital envelopes throughout the month)
In my feelings πŸ˜­πŸ’™
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Don't give up fam!
In my feelings πŸ˜­πŸ’™ ... Don't give up fam!
Are YOUR spending habits where you want them to be right now???
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To us, how much you MAKE is not nearly as important as how much you SPEND -- because you can't out earn bad habits! πŸ™…πŸ½β€β™€οΈπŸ’Έ
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There are people with 6 figure incomes that will retire with nothing, and there are middle class families that will retire with millions.
Are YOUR spending habits where you want them to be right now??? . To us, how much you MAKE is not nearly as important as how much you SPEND -- because you can't out earn bad habits! πŸ™…πŸ½β€β™€οΈπŸ’Έ . There are people with 6 figure incomes that will retire with nothing, and there are middle class families that will retire with millions.
Many people believe that your sacrifice begins and ends with military deployment but what they dont realize is that sacrifice for a military member and their families are 24/7/365.
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Thank you hubz for wanting to serve this country even when it is full of hate and division.
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God is proud. Your mom is proud. I am proud πŸ’™
Many people believe that your sacrifice begins and ends with military deployment but what they dont realize is that sacrifice for a military member and their families are 24/7/365. ... Thank you hubz for wanting to serve this country even when it is full of hate and division. ... God is proud. Your mom is proud. I am proud πŸ’™
So ya'll said that you'd like to see a budget meeting recap every month and here is the 1st one πŸ™ŒπŸ½πŸ’™
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The link is in our bio or you can just look us up on YouTube.
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I hope this helps show that budgeting doesn't need to be complicated or time consuming πŸ˜«πŸ’°
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Update. Review. Plan. Done!
So ya'll said that you'd like to see a budget meeting recap every month and here is the 1st one πŸ™ŒπŸ½πŸ’™ ... The link is in our bio or you can just look us up on YouTube. ... I hope this helps show that budgeting doesn't need to be complicated or time consuming πŸ˜«πŸ’° ... Update. Review. Plan. Done!
If you send greeting cards for the holidays, this tip will save you SO much money. Instead of spending $3 - $5 on each card, you can get them 2 for $1 at the @dollartree! πŸ™ŒπŸ½
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The great thing is that they are the SAME Hallmark cards you can find everywhere else and they still show the regular price on the back, so no one will ever know where you got them from! πŸ˜‰
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They also have packs of blank cards available too 😍
If you send greeting cards for the holidays, this tip will save you SO much money. Instead of spending $3 - $5 on each card, you can get them 2 for $1 at the @dollartree! πŸ™ŒπŸ½ ... The great thing is that they are the SAME Hallmark cards you can find everywhere else and they still show the regular price on the back, so no one will ever know where you got them from! πŸ˜‰ ... They also have packs of blank cards available too 😍
Our credit scores used to be in the 500s but they're in the 800s now! Having a high credit score is important for SOME people so here are the highlights from one of our blog posts. (LINK IN BIO)
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You can fix your own credit score for FREE, you just need to know the steps. If we can do it, YOU can definitely do it too. πŸ’ͺ🏽
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DISCLAIMER: We don't follow DRs baby steps, so keep that in mind before you start commenting "it's an I love debt score". You don't HAVE to carry debt to have a good credit score. πŸ™ƒ
Our credit scores used to be in the 500s but they're in the 800s now! Having a high credit score is important for SOME people so here are the highlights from one of our blog posts. (LINK IN BIO) . You can fix your own credit score for FREE, you just need to know the steps. If we can do it, YOU can definitely do it too. πŸ’ͺ🏽 . DISCLAIMER: We don't follow DRs baby steps, so keep that in mind before you start commenting "it's an I love debt score". You don't HAVE to carry debt to have a good credit score. πŸ™ƒ
Here are our BASIC living expenses. It's not our full budget, just the bare minimum of what it would take for us to to maintain our household in NorCal.
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Inspired by @the.gal.hustle
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Our full budget for last month is on our YouTube channel. The November one is coming soonπŸ’™
Here are our BASIC living expenses. It's not our full budget, just the bare minimum of what it would take for us to to maintain our household in NorCal. ... Inspired by @the.gal.hustle ... Our full budget for last month is on our YouTube channel. The November one is coming soonπŸ’™
πŸ‡ΊπŸ‡ΈWhen you don't vote, you're allowing other people to make decisions about your community,  family and life.
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Be smart and READ in depth about those running in your area then VOTE!
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Find your polling place at whenweallvote.org πŸ’™
πŸ‡ΊπŸ‡ΈWhen you don't vote, you're allowing other people to make decisions about your community, family and life. ... Be smart and READ in depth about those running in your area then VOTE! ... Find your polling place at whenweallvote.org πŸ’™
I heard this quote on the @angelarye podcast on my way to work last week. @staceyabrams said her parents used to tell her this all the time when she was growing up.
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It really resounded with me because I think this is true in ALL of our lives. You have to do what you can with what you have.
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All you really need is the determination to START from where you are today. You've got this! πŸ’ͺ🏽 - Dj
I heard this quote on the @angelarye podcast on my way to work last week. @staceyabrams said her parents used to tell her this all the time when she was growing up. . It really resounded with me because I think this is true in ALL of our lives. You have to do what you can with what you have. . All you really need is the determination to START from where you are today. You've got this! πŸ’ͺ🏽 - Dj
DJ took me to see the Sequoia trees at the #calaverasbigtrees 😍
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National and State Parks are so beautiful and affordable to visit. We spent $10 on parking and $11 on a souvenir but we have memories that'll last forever (+ the fresh air is PRICELESS πŸ™ŒπŸ½)
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Do you like hiking and visiting nature parks?πŸŒ²πŸ‚πŸŒ³πŸπŸƒ
DJ took me to see the Sequoia trees at the #calaverasbigtrees  😍 ... National and State Parks are so beautiful and affordable to visit. We spent $10 on parking and $11 on a souvenir but we have memories that'll last forever (+ the fresh air is PRICELESS πŸ™ŒπŸ½) ... Do you like hiking and visiting nature parks?πŸŒ²πŸ‚πŸŒ³πŸπŸƒ
November should be a quiet month for usπŸ’™πŸ™ŒπŸ½
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Our variable expenses haven't changed over the years except for gas πŸ˜‘
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We added a random giving category a few months ago and that's about itπŸ‘πŸ½
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Have you completed your budget for November yet? πŸ˜‰
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➑️We use @goodbudgetapp to track spending πŸ’™
November should be a quiet month for usπŸ’™πŸ™ŒπŸ½ ... Our variable expenses haven't changed over the years except for gas πŸ˜‘ ... We added a random giving category a few months ago and that's about itπŸ‘πŸ½ ... Have you completed your budget for November yet? πŸ˜‰ ... ➑️We use @goodbudgetapp to track spending πŸ’™
Happy Halloween everyone! πŸŽƒπŸ‘» It's the end of the month, so you know what that means....it's time to share and cheer each other on! πŸ’™πŸ‘πŸ½
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➑️ Comment your win and then cheer on others by liking or commenting on their posts.
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If all you did in October was make it through, then that is also a win!
Happy Halloween everyone! πŸŽƒπŸ‘» It's the end of the month, so you know what that means....it's time to share and cheer each other on! πŸ’™πŸ‘πŸ½ ... ➑️ Comment your win and then cheer on others by liking or commenting on their posts. ... If all you did in October was make it through, then that is also a win!
So, y'all know we do things a little differently than other people, right?
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In our latest feature on @gobankingrates we're explaining how we use CREDIT CARDS during our budgeting process.
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You can read all about it by following the link in our bio or story!
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Huge shoutout to @yahoofinance for also picking up the story! πŸ’ͺ🏽 - Dj #SmartMoneySquad
So, y'all know we do things a little differently than other people, right? . In our latest feature on @gobankingrates we're explaining how we use CREDIT CARDS during our budgeting process. . You can read all about it by following the link in our bio or story! . Huge shoutout to @yahoofinance for also picking up the story! πŸ’ͺ🏽 - Dj #SmartMoneySquad 
Doing these 3 things changed our lives forever! We paid off $120k in debt, stopped living paycheck to paycheck and were able to accomplish so many $ goals as a result of taking control of our lives.
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Getting everything out on paper or in a spreadsheet gives you an idea of your financial situation and helps you make a plan for theΒ future. However, changing your financial situation also requires a change in behavior and thinking.
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We have a lot of new followers since writing our "Basics" series so if you would like to learn more about these steps, check out our site πŸ’™ [Link in our story and bio.]
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We're here to show that budgeting doesn't have to be complicated, tedious or stressful. Once you get the hang of it, you'll be set for the long run!
Doing these 3 things changed our lives forever! We paid off $120k in debt, stopped living paycheck to paycheck and were able to accomplish so many $ goals as a result of taking control of our lives. ... Getting everything out on paper or in a spreadsheet gives you an idea of your financial situation and helps you make a plan for theΒ future. However, changing your financial situation also requires a change in behavior and thinking. ... We have a lot of new followers since writing our "Basics" series so if you would like to learn more about these steps, check out our site πŸ’™ [Link in our story and bio.] ... We're here to show that budgeting doesn't have to be complicated, tedious or stressful. Once you get the hang of it, you'll be set for the long run!
Release whatever is keeping you from moving forward fam.
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Each day is new and you have the power to achieve your goals regardless of your present circumstances πŸ’™
Release whatever is keeping you from moving forward fam. ... Each day is new and you have the power to achieve your goals regardless of your present circumstances πŸ’™
Randomly checked their site today because I'm weird πŸ˜‚ and was pleasantly surprised πŸ™ŒπŸ½πŸ™ŒπŸ½πŸ™ŒπŸ½
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If you are still getting 0.01% for your savings account we're fighting πŸ₯ŠπŸ₯Š -Dannie
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P.S. We've been with them since 2012.
Randomly checked their site today because I'm weird πŸ˜‚ and was pleasantly surprised πŸ™ŒπŸ½πŸ™ŒπŸ½πŸ™ŒπŸ½ ... If you are still getting 0.01% for your savings account we're fighting πŸ₯ŠπŸ₯Š -Dannie ... P.S. We've been with them since 2012.