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debtfreelife A sneak peek of something fun and happy Monday! What is one goal you have this week? 
For me it’s to reshoot 3 videos that my audio got messed up on and to finish a space I’ve been working on. 
#killyourmonday #letsdothis #mondaygoals #diy .
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#debtfree #debtfreecommunity
#debtfreejourney #debtfreedom #debtfreelife #personalfinance
#financialfreedom #buildwealth #financialindependence #savemoney #moneysaver #fire
#savingmoney #frugal #frugalliving
#frugallife #budgetgirl
Likes: 171
Posted at: 2019-07-22 15:38:31
A sneak peek of something fun and happy Monday! What is one goal you have this week? For me it’s to reshoot 3 videos that my audio got messed up on and to finish a space I’ve been working on. #killyourmonday #letsdothis #mondaygoals #diy . . . #debtfree #debtfreecommunity #debtfreejourney #debtfreedom #debtfreelife #personalfinance #financialfreedom #buildwealth #financialindependence #savemoney #moneysaver #fire #savingmoney #frugal #frugalliving #frugallife #budgetgirl
debtfreelife My husband and I talked about our finances yesterday and we want to challenge ourselves to live on ALOT less until the end of the year. We talked about putting his income into just savings and towards debt whereas mine will go towards all the bills and mortgage. I bring home about 2800 and our bills and mortgage is about 2500 a month! Wish us luck!
Likes: 1453
Posted at: 2019-07-21 18:51:49
My husband and I talked about our finances yesterday and we want to challenge ourselves to live on ALOT less until the end of the year. We talked about putting his income into just savings and towards debt whereas mine will go towards all the bills and mortgage. I bring home about 2800 and our bills and mortgage is about 2500 a month! Wish us luck!
debtfreelife Can't believe that in just 5 months, we will start the pre-qualification process for our mortgage. Then we will hire a realtor and start viewings.
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It is exciting but scary at the same time. We are not excited for the increase in housing payment but look forward to a place we can finally take roots in.
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We have been renters for so long and going into this process eyes wide open. We know there are a lot to adjust to and hidden cost that we can't forseen.
•
We also budget for home maintenance, appliances, furnitures and immediate upgrade. Communication with each other is important during this time too.
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5 months, that's crazy fast.
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#debtfreejourney #financialindependence #personalfinance #babysteps #minimalist #changingourfamilytree #goaldigger #minimalism  #financialfreedom #debtfreecommunity #debtfreelife #ynabcommunity #ynab #choosefi #babystep3b #liveyourbestlife #budgeting #debtfreeaf #declutter #simplelife #simpleliving #smallspaceliving #zerobasedbudgeting
Likes: 187
Posted at: 2019-07-22 18:41:20
Can't believe that in just 5 months, we will start the pre-qualification process for our mortgage. Then we will hire a realtor and start viewings. • It is exciting but scary at the same time. We are not excited for the increase in housing payment but look forward to a place we can finally take roots in. • We have been renters for so long and going into this process eyes wide open. We know there are a lot to adjust to and hidden cost that we can't forseen. • We also budget for home maintenance, appliances, furnitures and immediate upgrade. Communication with each other is important during this time too. • 5 months, that's crazy fast. _____ #debtfreejourney #financialindependence #personalfinance #babysteps #minimalist #changingourfamilytree #goaldigger #minimalism  #financialfreedom #debtfreecommunity #debtfreelife #ynabcommunity #ynab #choosefi #babystep3b #liveyourbestlife #budgeting #debtfreeaf #declutter #simplelife #simpleliving #smallspaceliving #zerobasedbudgeting
debtfreelife These days you always hear ‘marry well’ or ‘get yourself a rich husband’ 
But it’s a no from me hun! 
I want to be successful for myself & be able to support myself with or without a partner 💁🏼‍♀️💅🏻
Likes: 1122
Posted at: 2019-07-21 22:26:10
These days you always hear ‘marry well’ or ‘get yourself a rich husband’ But it’s a no from me hun! I want to be successful for myself & be able to support myself with or without a partner 💁🏼‍♀️💅🏻
debtfreelife $6,282.75
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Swipe 👉🏼👉🏼👉🏼 to see the breakdown. This is how much more we were able to put towards debt in 2019 compared to 2018. To some this may not seem like a big difference. But to us, it's HUGE! So many things changed in order for us to be able to put this much more to debt this year compared to last year. .
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.
Here's a few things that are different this year compared to last year:
1️⃣ WE HAD SEPARATE FINANCES IN 2018. Tim and I were NEWLYWEDS. We
weren't even sure if we were going to combine finances. But we eventually did halfway
into 2018. So now, in 2019 we were already starting with combined finances and were slowly getting accustomed to living on one income. 
2️⃣ WE HAVE LESS DEBTS IN 2019 compared to 2018. 2018 we started with 16 different debts. That included 12 student loans, 3 credit cards, and a boat compared to 2019 where we had our two remaining credit cards left. 
3️⃣ OUR 2019 SHOVEL IS BIGGER THAN OUR 2018 shovel as a result of having less debts. In 2018 we paid down the majority of our debts using the snowball method and made the huge decision to sell our boat.This allowed our shovel to GROW. 
4️⃣ WE EMBRACED OUR NEW FRUGAL LIFESTYLE. 2018 was a transformational year for us as a couple. We were very into the YOLO life prior to our debt free journey. But in 2018 we slowly learned to live on less than we make, eat at home, sell things we no longer need, etc. These small changes made a HUGE impact in our debt free journey. 
5️⃣ We learned to say NO. We prioritized what to say YES to and what to say NO to. We said YES to free
activities, and NO to those that ate the budget. We said YES to fixing things, and NO to buying things. We said YES to eating at home and NO to big fancy dinners every weekend. .
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If you're just starting your debt free journey I want you to know that things don't happen over night. We didn't magically
learn to live on less than we make, Tim didn't automatically get on board. Embrace the journey, each step of the way. When you feel discouraged, look back at how far you have come. That's exactly what we're doing. We're finding motivation anywhere that we can. I hope you do the same. You got this. 💕
Likes: 302
Posted at: 2019-07-22 17:26:33
$6,282.75 . . . Swipe 👉🏼👉🏼👉🏼 to see the breakdown. This is how much more we were able to put towards debt in 2019 compared to 2018. To some this may not seem like a big difference. But to us, it's HUGE! So many things changed in order for us to be able to put this much more to debt this year compared to last year. . . . Here's a few things that are different this year compared to last year: 1️⃣ WE HAD SEPARATE FINANCES IN 2018. Tim and I were NEWLYWEDS. We weren't even sure if we were going to combine finances. But we eventually did halfway into 2018. So now, in 2019 we were already starting with combined finances and were slowly getting accustomed to living on one income. 2️⃣ WE HAVE LESS DEBTS IN 2019 compared to 2018. 2018 we started with 16 different debts. That included 12 student loans, 3 credit cards, and a boat compared to 2019 where we had our two remaining credit cards left. 3️⃣ OUR 2019 SHOVEL IS BIGGER THAN OUR 2018 shovel as a result of having less debts. In 2018 we paid down the majority of our debts using the snowball method and made the huge decision to sell our boat.This allowed our shovel to GROW. 4️⃣ WE EMBRACED OUR NEW FRUGAL LIFESTYLE. 2018 was a transformational year for us as a couple. We were very into the YOLO life prior to our debt free journey. But in 2018 we slowly learned to live on less than we make, eat at home, sell things we no longer need, etc. These small changes made a HUGE impact in our debt free journey. 5️⃣ We learned to say NO. We prioritized what to say YES to and what to say NO to. We said YES to free activities, and NO to those that ate the budget. We said YES to fixing things, and NO to buying things. We said YES to eating at home and NO to big fancy dinners every weekend. . . . If you're just starting your debt free journey I want you to know that things don't happen over night. We didn't magically learn to live on less than we make, Tim didn't automatically get on board. Embrace the journey, each step of the way. When you feel discouraged, look back at how far you have come. That's exactly what we're doing. We're finding motivation anywhere that we can. I hope you do the same. You got this. 💕
debtfreelife Decluttering has slowed down to a crawl with my recovery, but I did manage to sell the glow dreaming kit (kids sleep aid) for $85 which was a win! I'm going to deposit it into our account tomorrow and put it towards our credit card.

I have also decided to donate the glass entertainment unit my parents had before. It's just not selling, so I'm going to give it away. It's in perfect condition and just needs a home.

Once I start to declutter the garage, this list is probably going to look insane and be about 2 to 3 pages long!
Likes: 513
Posted at: 2019-07-21 06:02:57
Decluttering has slowed down to a crawl with my recovery, but I did manage to sell the glow dreaming kit (kids sleep aid) for $85 which was a win! I'm going to deposit it into our account tomorrow and put it towards our credit card. I have also decided to donate the glass entertainment unit my parents had before. It's just not selling, so I'm going to give it away. It's in perfect condition and just needs a home. Once I start to declutter the garage, this list is probably going to look insane and be about 2 to 3 pages long!
debtfreelife Have you been going out to eat too much like I have?! If so, you might need a reset to help encourage you to eat at home more.⁠⠀
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I'm hosting a 5 day eat at home challenge and I'd LOVE for you to join me! I'm committing to eating at home from July 22-26. I'll be hitting up the grocery store this weekend to get all my ingredients! ⁠⠀
⁠⠀
To help make this easier, I'll be using Eat At Home Meal Plans! I bought my own subscription and I CANNOT WAIT to use it! I'm given all the recipes and grocery list for my meals. Basically, all the planning is done for me (yay!). You don't have to use this meal plan to join in on the challenge, but if you want to check it out you can use the code BUDGET for 30% off! Click the link in my bio to learn more!⁠⠀
⁠⠀
Raise your hand in the comments if you want to join in on this challenge!⁠⠀
= = = ⁠⠀
#inspiredbudget #budget #budgeting #eatathome #budgettip #budgettips #savemoney #moneysaver #cashenvelope #cashenvelopes #debtfree #debtfreecommunity #debtfreedom #debtfreelife #debtfreeliving #cash #daveramsey #personalfinance #personalfinanceforwomen
Likes: 1123
Posted at: 2019-07-20 23:02:39
Have you been going out to eat too much like I have?! If so, you might need a reset to help encourage you to eat at home more.⁠⠀ ⁠⠀ I'm hosting a 5 day eat at home challenge and I'd LOVE for you to join me! I'm committing to eating at home from July 22-26. I'll be hitting up the grocery store this weekend to get all my ingredients! ⁠⠀ ⁠⠀ To help make this easier, I'll be using Eat At Home Meal Plans! I bought my own subscription and I CANNOT WAIT to use it! I'm given all the recipes and grocery list for my meals. Basically, all the planning is done for me (yay!). You don't have to use this meal plan to join in on the challenge, but if you want to check it out you can use the code BUDGET for 30% off! Click the link in my bio to learn more!⁠⠀ ⁠⠀ Raise your hand in the comments if you want to join in on this challenge!⁠⠀ = = = ⁠⠀ #inspiredbudget #budget #budgeting #eatathome #budgettip #budgettips #savemoney #moneysaver #cashenvelope #cashenvelopes #debtfree #debtfreecommunity #debtfreedom #debtfreelife #debtfreeliving #cash #daveramsey #personalfinance #personalfinanceforwomen
debtfreelife #dead #dead 💀 #screaming #debt #debtfreejourney #debtfreecommunity #debtfreeliving #debtfreelife
Likes: 1695
Posted at: 2019-07-11 23:09:00
#dead #dead 💀 #screaming #debt #debtfreejourney #debtfreecommunity #debtfreeliving #debtfreelife
debtfreelife ✨
Likes: 2372
Posted at: 2019-07-19 17:11:28
debtfreelife Money can’t buy love 💖

But it can buy...
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➡️ Freedom from debt
➡️ Freedom from stress
➡️ Freedom of choice
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If you’re struggling to save, here are a few tips to help you:
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✅ Lay the foundation – focus on a short term goal
✅ Know where you stand financially – income and expenses
✅ Create a plan – be intentional with where that money is going
✅ Track your plan – see what’s working, what’s not and adjust
✅ Start small, ease into it – save say  0.5% of your income in the first month, then increase it every month by a further 0.5%
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When you’re on top of your money, life is good 🧡💚
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#goodlife
#motivation
#smallsteps
#debtfreelife
#financialfreedom
#startup
#womenintech
#pasifikaintech
#KokoTālā
#TālāApp 🌞🌺
Likes: 4
Posted at: 2019-07-22 22:21:16
Money can’t buy love 💖 But it can buy... . ➡️ Freedom from debt ➡️ Freedom from stress ➡️ Freedom of choice . If you’re struggling to save, here are a few tips to help you: . ✅ Lay the foundation – focus on a short term goal ✅ Know where you stand financially – income and expenses ✅ Create a plan – be intentional with where that money is going ✅ Track your plan – see what’s working, what’s not and adjust ✅ Start small, ease into it – save say 0.5% of your income in the first month, then increase it every month by a further 0.5% . When you’re on top of your money, life is good 🧡💚 . #goodlife #motivation #smallsteps #debtfreelife #financialfreedom #startup #womenintech #pasifikaintech #KokoTālā #TālāApp 🌞🌺
debtfreelife Today my car needed 2 new front tires. I also had to get my wheels aligned, my air filters changed, and my emissions test done. That totalled a whopping $532. Luckily, I had $550 in my car maintenance fund. While it was painful to fork over the money and to now have an almost empty envelope, I am thankful that I started that fund and didn't have to charge this to my credit card 💳
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I started putting away $50 a paycheck until I hit my goal of $600. I recently had my oil changed so my envelope was less than my goal amount. I will start putting $50 away again until I hit $600. It's less painful to put it away a little at a time and I am praying I don't have any other major car expenses anytime soon!! .

#debtfreecommunity #debtfreejourney #debtfreelife #babystep2 #cashenvelopesystem #sinkingfunds
Likes: 1
Posted at: 2019-07-22 22:13:33
Today my car needed 2 new front tires. I also had to get my wheels aligned, my air filters changed, and my emissions test done. That totalled a whopping $532. Luckily, I had $550 in my car maintenance fund. While it was painful to fork over the money and to now have an almost empty envelope, I am thankful that I started that fund and didn't have to charge this to my credit card 💳 . I started putting away $50 a paycheck until I hit my goal of $600. I recently had my oil changed so my envelope was less than my goal amount. I will start putting $50 away again until I hit $600. It's less painful to put it away a little at a time and I am praying I don't have any other major car expenses anytime soon!! . #debtfreecommunity #debtfreejourney #debtfreelife #babystep2 #cashenvelopesystem #sinkingfunds
debtfreelife GUILTY! I don’t even want to go into how much I used to do this AND how much money I’ve wasted...it’s embarrassing! Please say I’m not the only one whose done this!? LOL 😂 ••••••••••••••••••••••••••••••••••••••••••••••••
#debtfreecommunity #singledebtfreejourney #singledebtfreecommunity #singledebtfreegoals #debtfreejourney #snowball #debtisdumb #sixfiguredebt #daveramsey #rachelcruze #chrishogan #debtfreelife #debtfreegoals #debtpayoff #debtsnowball #budget #babystep2 #bs2 #financialgoals #financialfreedom #frugalliving #zerobasedbudget #creditcarddebt #carloandebt #studentloandebt #goodbyedebt #cashflow #sinkingfunds #livingonabudget
Likes: 55
Posted at: 2019-07-22 21:18:07
GUILTY! I don’t even want to go into how much I used to do this AND how much money I’ve wasted...it’s embarrassing! Please say I’m not the only one whose done this!? LOL 😂 •••••••••••••••••••••••••••••••••••••••••••••••• #debtfreecommunity #singledebtfreejourney #singledebtfreecommunity #singledebtfreegoals #debtfreejourney #snowball #debtisdumb #sixfiguredebt #daveramsey #rachelcruze #chrishogan #debtfreelife #debtfreegoals #debtpayoff #debtsnowball #budget #babystep2 #bs2 #financialgoals #financialfreedom #frugalliving #zerobasedbudget #creditcarddebt #carloandebt #studentloandebt #goodbyedebt #cashflow #sinkingfunds #livingonabudget
debtfreelife Does your bank pay you to be a client?
⠀
Mine does! 🙋🏼‍♀️
⠀
They have a program that allows you to earn “relationship points” every month.  You earn these just by doing everyday transactions with your account.
⠀
I get points for loan, my credit card, mobile banking, direct ACHs, etc.  every month you can earn up to 1,000+ points to become a “Platinum Member”.
⠀
Your points never expire, and you accumulate them every month!  I had 10,000 points as of today, so I cashed it out for money!
⠀
Every 5,000 points gets you $25 cash, or bank swag from the shop!  I take cash.
⠀
I walked out $50 wealthier for doing just everyday stuff, I’d do regardless.
⠀
If your bank isn’t paying you to bank with them, they are doing it wrong.  Research your banks and see if any offer programs such as this one.  I will stick with a Credit Union forever because of the relationships they offer.
⠀
What is your favorite perk of your banking institution?
Likes: 20
Posted at: 2019-07-22 21:15:15
Does your bank pay you to be a client? ⠀ Mine does! 🙋🏼‍♀️ ⠀ They have a program that allows you to earn “relationship points” every month. You earn these just by doing everyday transactions with your account. ⠀ I get points for loan, my credit card, mobile banking, direct ACHs, etc. every month you can earn up to 1,000+ points to become a “Platinum Member”. ⠀ Your points never expire, and you accumulate them every month! I had 10,000 points as of today, so I cashed it out for money! ⠀ Every 5,000 points gets you $25 cash, or bank swag from the shop! I take cash. ⠀ I walked out $50 wealthier for doing just everyday stuff, I’d do regardless. ⠀ If your bank isn’t paying you to bank with them, they are doing it wrong. Research your banks and see if any offer programs such as this one. I will stick with a Credit Union forever because of the relationships they offer. ⠀ What is your favorite perk of your banking institution?
debtfreelife It’s amazing how many high income folks don’t know about the Backdoor Roth IRA. When you do, you’ll have this same look like @prattprattpratt 🤣
•
Check out link in bio for latest YouTube video and learn about the Backdoor Roth IRA conversion and current Roth IRA conversion limits! 💪🏾
Likes: 7
Posted at: 2019-07-22 21:03:43
It’s amazing how many high income folks don’t know about the Backdoor Roth IRA. When you do, you’ll have this same look like @prattprattpratt 🤣 • Check out link in bio for latest YouTube video and learn about the Backdoor Roth IRA conversion and current Roth IRA conversion limits! 💪🏾
debtfreelife Generosity #moneymonday

This past weekend I helped a few friends attend Comic Con - which, unbeknownst to me, was on their bucket lists. Seeing the convention through their eyes during my breaks was amazing.

It is no fun to get ahead and stand alone- help others! Generosity is counterculture but has helped me on my financial journey so much. Keeps me grounded, grateful, and aware that we are blessed to be a blessing.

xoxo
Likes: 11
Posted at: 2019-07-22 20:43:57
Generosity #moneymonday This past weekend I helped a few friends attend Comic Con - which, unbeknownst to me, was on their bucket lists. Seeing the convention through their eyes during my breaks was amazing. It is no fun to get ahead and stand alone- help others! Generosity is counterculture but has helped me on my financial journey so much. Keeps me grounded, grateful, and aware that we are blessed to be a blessing. xoxo
debtfreelife Pack your lunch vs eating out! •
They say the average lunch, if packed, is approx $6. (I’m rounding up). So $11 average spending out - $6 = $5. $5x 5 days a week = $25. •
$25/week saved at 8% rate of return for 10years is approx $20,000. •
So again we ask... should we pack or eat out 😊😊
Likes: 9
Posted at: 2019-07-22 20:31:34
Pack your lunch vs eating out! • They say the average lunch, if packed, is approx $6. (I’m rounding up). So $11 average spending out - $6 = $5. $5x 5 days a week = $25. • $25/week saved at 8% rate of return for 10years is approx $20,000. • So again we ask... should we pack or eat out 😊😊
debtfreelife I personally feel like nursing license renewal should be paid for by your employer, if you are actively using it. Just a thought 🤷🏻‍♀️
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#debt #debtfree #debtfreeIG #debtfreeinstagram #debtfreecommunity #debtfreejourney #debtfreegoals #debtfreedom #debtfreeliving #debtfreelife #debtfree2019 #debtfree2020 #daveramsey #daveramseybabysteps #daveramseybabystep2 #babystep2 #babysteps #financialpeace #FPU #creditcarddebt #studentloans #studentloandebt #singledebtfreecommunity #singledebtfreejourney
Likes: 29
Posted at: 2019-07-22 20:12:30
I personally feel like nursing license renewal should be paid for by your employer, if you are actively using it. Just a thought 🤷🏻‍♀️ . . . #debt #debtfree #debtfreeIG #debtfreeinstagram #debtfreecommunity #debtfreejourney #debtfreegoals #debtfreedom #debtfreeliving #debtfreelife #debtfree2019 #debtfree2020 #daveramsey #daveramseybabysteps #daveramseybabystep2 #babystep2 #babysteps #financialpeace #FPU #creditcarddebt #studentloans #studentloandebt #singledebtfreecommunity #singledebtfreejourney
debtfreelife Well said! What are some ways you work towards having
Likes: 30
Posted at: 2019-07-22 19:49:25
Well said! What are some ways you work towards having "fewer ends?" Comment your answer below. 👇
debtfreelife ...He's not wrong.
Likes: 36
Posted at: 2019-07-22 19:36:07
...He's not wrong.
debtfreelife ✨Winner✨The OH found out that he won two tickets for Alton Towers from work for doing a well-being survey! Just have to buy a child’s ticket and it’s a cheap(ish) day out for us this summer!🌟_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
Likes: 10
Posted at: 2019-07-22 19:30:41
✨Winner✨The OH found out that he won two tickets for Alton Towers from work for doing a well-being survey! Just have to buy a child’s ticket and it’s a cheap(ish) day out for us this summer!🌟_____________________________________________________________#moneysaving #debtfreegoals #debtsnowball #debtfreeliving #frugalliving #debtfreecommunity #debtfreejourney #debtfreelife #debtfreeuk #debtfreecommunityuk #debtfreefamily #ukdebtfreecommunity #debtfreelifestyle #bs2 #debtfreedom #moneysavingexpert #moneysaving #ukdebt #smallshovel #bs2 #ukdebtfree #ukdebt #debtsnowballin #babystep2 #snowballin #debt #debtfreelife #teamsmallshovel #budgetlife
debtfreelife Your Finances can be easy once you learn some simple strategies. This feed will assist you to become debt free.

If you became debt free, what's the No. 1 thing you would do?
COMMENT BELOW 🔽
〰️〰️💵💴💶💷💳〰️〰️
➡️Follow @personal.finances for content relating to general finances, generating money, money saving and much more.
〰️〰️💵💴💶💷💳〰️〰️
🎦 Credit @businessmentorship @businessmentorship
#debtfreelife #personalfinanceforwomen #DebtFreeFuture #personalfinance #makemoneyworkingfromhome #makemoneyonlinenow #makemoneytoday #makemoneymoney #makemoneyfromyourphone #debtfreeAF #makemoneyonlinefree #savemoneygivebetter2019 #debtfreejourney #makemoneyfromanywhere #DebtFreeProject #savemoneylivebetter #personalfinanceexpert #personalfinancetips #debtfreemission #debtfree2019 #makemoneymatter #DebtFreedomJourney #debtfreesince2001 #debtfree2020 #makemoneyonlinesites #savemoneymakemoney
Likes: 9
Posted at: 2019-07-22 19:11:55
Your Finances can be easy once you learn some simple strategies. This feed will assist you to become debt free. If you became debt free, what's the No. 1 thing you would do? COMMENT BELOW 🔽 〰️〰️💵💴💶💷💳〰️〰️ ➡️Follow @personal.finances for content relating to general finances, generating money, money saving and much more. 〰️〰️💵💴💶💷💳〰️〰️ 🎦 Credit @businessmentorship @businessmentorship #debtfreelife #personalfinanceforwomen #DebtFreeFuture #personalfinance #makemoneyworkingfromhome #makemoneyonlinenow #makemoneytoday #makemoneymoney #makemoneyfromyourphone #debtfreeAF #makemoneyonlinefree #savemoneygivebetter2019 #debtfreejourney #makemoneyfromanywhere #DebtFreeProject #savemoneylivebetter #personalfinanceexpert #personalfinancetips #debtfreemission #debtfree2019 #makemoneymatter #DebtFreedomJourney #debtfreesince2001 #debtfree2020 #makemoneyonlinesites #savemoneymakemoney
debtfreelife Alright, so you know how people say to stay off Google otherwise your anxiety will be through the roof? Well, I never listen!😂
...
My car is due for an oil change and I’m getting the last bit of repairs done tomorrow (rotors). She (my car) has been so reliable it makes me suspicious. 173k miles and still no major repairs🤔. So, I decided to browse through some Mazda forums to see how long I can expect her to stay alive. Some comments said up to 500k. Cool right? But some comments said 200k and I’m damn near there. Hello there mini panic attack😩.
...
That being said I’ve set up a sinking fund for a new car. I will lower my student loan payments by $200 a month to put into this fund. Best case scenario: She lives to 500k miles. Worst case scenario: She dies and I have to use the money. Only $4,773.71 left to go!😅
Likes: 57
Posted at: 2019-07-22 18:59:08
Alright, so you know how people say to stay off Google otherwise your anxiety will be through the roof? Well, I never listen!😂 ... My car is due for an oil change and I’m getting the last bit of repairs done tomorrow (rotors). She (my car) has been so reliable it makes me suspicious. 173k miles and still no major repairs🤔. So, I decided to browse through some Mazda forums to see how long I can expect her to stay alive. Some comments said up to 500k. Cool right? But some comments said 200k and I’m damn near there. Hello there mini panic attack😩. ... That being said I’ve set up a sinking fund for a new car. I will lower my student loan payments by $200 a month to put into this fund. Best case scenario: She lives to 500k miles. Worst case scenario: She dies and I have to use the money. Only $4,773.71 left to go!😅
debtfreelife Can't believe that in just 5 months, we will start the pre-qualification process for our mortgage. Then we will hire a realtor and start viewings.
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It is exciting but scary at the same time. We are not excited for the increase in housing payment but look forward to a place we can finally take roots in.
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We have been renters for so long and going into this process eyes wide open. We know there are a lot to adjust to and hidden cost that we can't forseen.
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We also budget for home maintenance, appliances, furnitures and immediate upgrade. Communication with each other is important during this time too.
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5 months, that's crazy fast.
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#debtfreejourney #financialindependence #personalfinance #babysteps #minimalist #changingourfamilytree #goaldigger #minimalism  #financialfreedom #debtfreecommunity #debtfreelife #ynabcommunity #ynab #choosefi #babystep3b #liveyourbestlife #budgeting #debtfreeaf #declutter #simplelife #simpleliving #smallspaceliving #zerobasedbudgeting
Likes: 187
Posted at: 2019-07-22 18:41:20
Can't believe that in just 5 months, we will start the pre-qualification process for our mortgage. Then we will hire a realtor and start viewings. • It is exciting but scary at the same time. We are not excited for the increase in housing payment but look forward to a place we can finally take roots in. • We have been renters for so long and going into this process eyes wide open. We know there are a lot to adjust to and hidden cost that we can't forseen. • We also budget for home maintenance, appliances, furnitures and immediate upgrade. Communication with each other is important during this time too. • 5 months, that's crazy fast. _____ #debtfreejourney #financialindependence #personalfinance #babysteps #minimalist #changingourfamilytree #goaldigger #minimalism  #financialfreedom #debtfreecommunity #debtfreelife #ynabcommunity #ynab #choosefi #babystep3b #liveyourbestlife #budgeting #debtfreeaf #declutter #simplelife #simpleliving #smallspaceliving #zerobasedbudgeting
debtfreelife 💰MONTHLY SPENDING💰

This is what my monthly spending looks like. I have paid off my student loans 👩🏻‍🎓 and I have never had a car payment 🚗 which frees up A LOT of income. This extra income is used for savings and vacation. A large portion is going to saving to build up our emergency fund because we just put a downpayment on a house 🏠 
What does your monthly spending look like? What do you want it to look like? 
#financialfreedom #debtfreecomunity #debtfree #debtfreejourney #budget #savemoney #goals #investing 
#financialindependence #studentloans
Likes: 18
Posted at: 2019-07-22 18:26:25
💰MONTHLY SPENDING💰 This is what my monthly spending looks like. I have paid off my student loans 👩🏻‍🎓 and I have never had a car payment 🚗 which frees up A LOT of income. This extra income is used for savings and vacation. A large portion is going to saving to build up our emergency fund because we just put a downpayment on a house 🏠 What does your monthly spending look like? What do you want it to look like? #financialfreedom #debtfreecomunity #debtfree #debtfreejourney #budget #savemoney #goals #investing #financialindependence #studentloans
debtfreelife Fingers crossed people!!! 🤞🏻 Today I interviewed for an RN position on the postpartum floor of the hospital I’m currently working at. I’ve wanted to do postpartum nursing for probably close to 10 years. I shadowed on the unit 2 Friday’s ago and absolutely fell in love with it. This whole time I thought I was going to have to start on night shift (I currently work day shift so it would be quite the adjustment) but the manager told me today that the position open is for day shift-I’m so relieved! The manager still has to get the position approved before I can officially be hired, so now it’s just a waiting game. Now we wait and pray ❤️
Likes: 68
Posted at: 2019-07-22 18:07:57
Fingers crossed people!!! 🤞🏻 Today I interviewed for an RN position on the postpartum floor of the hospital I’m currently working at. I’ve wanted to do postpartum nursing for probably close to 10 years. I shadowed on the unit 2 Friday’s ago and absolutely fell in love with it. This whole time I thought I was going to have to start on night shift (I currently work day shift so it would be quite the adjustment) but the manager told me today that the position open is for day shift-I’m so relieved! The manager still has to get the position approved before I can officially be hired, so now it’s just a waiting game. Now we wait and pray ❤️
debtfreelife Another 2 receipts for shoppix !  Having a BBQ tonight just me and hubby decided it’s a bbq week. Might make me feel better after being head butted by a puppy! Pretty sure he has fractured my nose. 🤦🏼‍♀️ #moneysavingtips #money #moneysaver #shoppix #savings #debtfree #debtfreecommunity #debtfreelife
Likes: 8
Posted at: 2019-07-22 17:44:03
Another 2 receipts for shoppix ! Having a BBQ tonight just me and hubby decided it’s a bbq week. Might make me feel better after being head butted by a puppy! Pretty sure he has fractured my nose. 🤦🏼‍♀️ #moneysavingtips #money #moneysaver #shoppix #savings #debtfree #debtfreecommunity #debtfreelife
debtfreelife Habit Share app update... It’s almost the end of the month and I’m happy to say that I’ve managed to keep up with bringing my lunch to work everyday! Love this app!
#debtfreegoals #debtfreeliving #debtpayoff #debtfreelife #debtavalanche
Likes: 11
Posted at: 2019-07-22 17:30:29
Habit Share app update... It’s almost the end of the month and I’m happy to say that I’ve managed to keep up with bringing my lunch to work everyday! Love this app! #debtfreegoals #debtfreeliving #debtpayoff #debtfreelife #debtavalanche
debtfreelife $6,282.75
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Swipe 👉🏼👉🏼👉🏼 to see the breakdown. This is how much more we were able to put towards debt in 2019 compared to 2018. To some this may not seem like a big difference. But to us, it's HUGE! So many things changed in order for us to be able to put this much more to debt this year compared to last year. .
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Here's a few things that are different this year compared to last year:
1️⃣ WE HAD SEPARATE FINANCES IN 2018. Tim and I were NEWLYWEDS. We
weren't even sure if we were going to combine finances. But we eventually did halfway
into 2018. So now, in 2019 we were already starting with combined finances and were slowly getting accustomed to living on one income. 
2️⃣ WE HAVE LESS DEBTS IN 2019 compared to 2018. 2018 we started with 16 different debts. That included 12 student loans, 3 credit cards, and a boat compared to 2019 where we had our two remaining credit cards left. 
3️⃣ OUR 2019 SHOVEL IS BIGGER THAN OUR 2018 shovel as a result of having less debts. In 2018 we paid down the majority of our debts using the snowball method and made the huge decision to sell our boat.This allowed our shovel to GROW. 
4️⃣ WE EMBRACED OUR NEW FRUGAL LIFESTYLE. 2018 was a transformational year for us as a couple. We were very into the YOLO life prior to our debt free journey. But in 2018 we slowly learned to live on less than we make, eat at home, sell things we no longer need, etc. These small changes made a HUGE impact in our debt free journey. 
5️⃣ We learned to say NO. We prioritized what to say YES to and what to say NO to. We said YES to free
activities, and NO to those that ate the budget. We said YES to fixing things, and NO to buying things. We said YES to eating at home and NO to big fancy dinners every weekend. .
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If you're just starting your debt free journey I want you to know that things don't happen over night. We didn't magically
learn to live on less than we make, Tim didn't automatically get on board. Embrace the journey, each step of the way. When you feel discouraged, look back at how far you have come. That's exactly what we're doing. We're finding motivation anywhere that we can. I hope you do the same. You got this. 💕
Likes: 302
Posted at: 2019-07-22 17:26:33
$6,282.75 . . . Swipe 👉🏼👉🏼👉🏼 to see the breakdown. This is how much more we were able to put towards debt in 2019 compared to 2018. To some this may not seem like a big difference. But to us, it's HUGE! So many things changed in order for us to be able to put this much more to debt this year compared to last year. . . . Here's a few things that are different this year compared to last year: 1️⃣ WE HAD SEPARATE FINANCES IN 2018. Tim and I were NEWLYWEDS. We weren't even sure if we were going to combine finances. But we eventually did halfway into 2018. So now, in 2019 we were already starting with combined finances and were slowly getting accustomed to living on one income. 2️⃣ WE HAVE LESS DEBTS IN 2019 compared to 2018. 2018 we started with 16 different debts. That included 12 student loans, 3 credit cards, and a boat compared to 2019 where we had our two remaining credit cards left. 3️⃣ OUR 2019 SHOVEL IS BIGGER THAN OUR 2018 shovel as a result of having less debts. In 2018 we paid down the majority of our debts using the snowball method and made the huge decision to sell our boat.This allowed our shovel to GROW. 4️⃣ WE EMBRACED OUR NEW FRUGAL LIFESTYLE. 2018 was a transformational year for us as a couple. We were very into the YOLO life prior to our debt free journey. But in 2018 we slowly learned to live on less than we make, eat at home, sell things we no longer need, etc. These small changes made a HUGE impact in our debt free journey. 5️⃣ We learned to say NO. We prioritized what to say YES to and what to say NO to. We said YES to free activities, and NO to those that ate the budget. We said YES to fixing things, and NO to buying things. We said YES to eating at home and NO to big fancy dinners every weekend. . . . If you're just starting your debt free journey I want you to know that things don't happen over night. We didn't magically learn to live on less than we make, Tim didn't automatically get on board. Embrace the journey, each step of the way. When you feel discouraged, look back at how far you have come. That's exactly what we're doing. We're finding motivation anywhere that we can. I hope you do the same. You got this. 💕
debtfreelife Reposting this!!!!! Thinking about this on this Monday morning while working 😌 .
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Likes: 18
Posted at: 2019-07-22 17:06:55
Reposting this!!!!! Thinking about this on this Monday morning while working 😌 . . . .
debtfreelife We all need a little reminder to pause and reflect on our lives, if even for just a moment
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#reflect #pause #appreciatewhatyouhave
Likes: 31
Posted at: 2019-07-22 17:02:39
We all need a little reminder to pause and reflect on our lives, if even for just a moment // #reflect #pause #appreciatewhatyouhave
debtfreelife When we were ready to invest we wanted to go with a financial advisor who'd take care of everything for us. But after meeting with one, the fees were so high & the options were so limited! That's why I think robo-advisors play a key role in the investment landscape. Learn if this one is right for you and get 6 months of FREE management from @EmperorInvests. It's on the blog today, click the link in my bio to check it out.⁠
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#sponsored #frugalnotcheap #frugalfriday #frugalliving #frugality #frugallife #frugalfashion #frugal #frugalshopper #debtfreecommunity #debtfreeisthenewsexy #debtfreejourney #debtfreedom #financialindependence #debtfreelife
Likes: 17
Posted at: 2019-07-22 17:01:17
When we were ready to invest we wanted to go with a financial advisor who'd take care of everything for us. But after meeting with one, the fees were so high & the options were so limited! That's why I think robo-advisors play a key role in the investment landscape. Learn if this one is right for you and get 6 months of FREE management from @EmperorInvests. It's on the blog today, click the link in my bio to check it out.⁠ .⁠ .⁠ .⁠ #sponsored #frugalnotcheap #frugalfriday #frugalliving #frugality #frugallife #frugalfashion #frugal #frugalshopper #debtfreecommunity #debtfreeisthenewsexy #debtfreejourney #debtfreedom #financialindependence #debtfreelife
debtfreelife Is your savings plan automated? If not, why not?⁣
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I feel like I talk a lot about paying yourself first. Probably because I so talk a lot about it. Why? Because it's so dang important!⁣
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Paying yourself first requires a mindset shift. It's you saying that your future is a priority. When you do your budget and you immediately allocate money towards savings goals, retirement, etc, you're prioritizing your future. ⁣
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Today we add a new step: automation. Take the human element out of it! Decide how much you're going to save each month and set up automatic transfers into the appropriate accounts. Set it up to happen as soon as money gets deposited. ⁣
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Whether you're contributing to your 401k through payroll deduction or setting up automatic transfers to a high yield savings account, automating the process will help you start building real wealth.
Likes: 9
Posted at: 2019-07-22 16:30:58
Is your savings plan automated? If not, why not?⁣ ⁣ I feel like I talk a lot about paying yourself first. Probably because I so talk a lot about it. Why? Because it's so dang important!⁣ ⁣ Paying yourself first requires a mindset shift. It's you saying that your future is a priority. When you do your budget and you immediately allocate money towards savings goals, retirement, etc, you're prioritizing your future. ⁣ ⁣ Today we add a new step: automation. Take the human element out of it! Decide how much you're going to save each month and set up automatic transfers into the appropriate accounts. Set it up to happen as soon as money gets deposited. ⁣ ⁣ Whether you're contributing to your 401k through payroll deduction or setting up automatic transfers to a high yield savings account, automating the process will help you start building real wealth.
debtfreelife July home payoff progress.⁣⁣
The interest saved always blows my mind! 😲⁣⁣
𝗪𝐞 𝐟𝐞𝐥𝐥 𝐛𝐞𝐥𝐨𝐰 $𝟏𝟗𝟎𝐤 𝐭𝐡𝐢𝐬 𝐦𝐨𝐧𝐭𝐡!⁣⁣
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* This pic of me is from a hike I did with my mom through the Enchantments in WA.⁣⁣
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#beweird #freedomlife #mortgage #goals #owenoone #freeasabird #sahm #esl #workfromhome #debtfreecommunity #financialfreedom #debtfreejourney #teachonline #mortgagefreecommunity #debtfreeliving #debtfreelife #financialpeace #livelikenooneelse #minimalism #daveramsey #mortgagefree #financialpeaceuniversity #debtfree #tesol #debtsnowball #minimalist #budget #babystep6 #keepingupwiththedfc⁣⁣
Likes: 59
Posted at: 2019-07-22 16:17:50
July home payoff progress.⁣⁣ The interest saved always blows my mind! 😲⁣⁣ 𝗪𝐞 𝐟𝐞𝐥𝐥 𝐛𝐞𝐥𝐨𝐰 $𝟏𝟗𝟎𝐤 𝐭𝐡𝐢𝐬 𝐦𝐨𝐧𝐭𝐡!⁣⁣ ⁣⁣ * This pic of me is from a hike I did with my mom through the Enchantments in WA.⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ #beweird #freedomlife #mortgage #goals #owenoone #freeasabird #sahm #esl #workfromhome #debtfreecommunity #financialfreedom #debtfreejourney #teachonline #mortgagefreecommunity #debtfreeliving #debtfreelife #financialpeace #livelikenooneelse #minimalism #daveramsey #mortgagefree #financialpeaceuniversity #debtfree #tesol #debtsnowball #minimalist #budget #babystep6 #keepingupwiththedfc⁣⁣
debtfreelife Wanna know how you match up to others?

Many people want to learn more about setting up a spending plan. The starting point will always be your spending in the last 3 months. It can then be customized to what you desired since it is your own spending plan. However, it would be nice to see how you stack up as well to others in the same city and income range.

Challenge yourself by learning more about how you spend and what makes you happy. Although we are moving quickly towards an instant gratification world, it takes time to take control over your finances. Earning more and spending on what matters are key to saving more towards your dreams. Once you accumulated some funds, smart investing will help you reach your dreams faster through wealth growth.

If you are interested in learning more, then help us design a savvy digital financial health platform built for you by answering our poll at https://www.naolife.com/ and being rewarded with a chance to win a $100 gift card. Get your entries by July 31, 2019 to qualify for the draw.

Please share with others so we can hear more voices and you can increase your chances of winning.

Earn your first entry by completing the poll at https://www.naolife.com/.
*
Earn an additional entry with any of the following below:
1. Follow näo Financial.
2. Like this post.
3. Share this post by tagging others in the comments (one tag per comment).
*
Earn 5 more entries for every 2 friends who complete the poll. Make sure they fill in your email in the referral box.

Note that you must complete poll to be eligible to win. We reserve the right to verifying eligibility prior to declaring the winner.
Likes: 4
Posted at: 2019-07-22 16:14:29
Wanna know how you match up to others? Many people want to learn more about setting up a spending plan. The starting point will always be your spending in the last 3 months. It can then be customized to what you desired since it is your own spending plan. However, it would be nice to see how you stack up as well to others in the same city and income range. Challenge yourself by learning more about how you spend and what makes you happy. Although we are moving quickly towards an instant gratification world, it takes time to take control over your finances. Earning more and spending on what matters are key to saving more towards your dreams. Once you accumulated some funds, smart investing will help you reach your dreams faster through wealth growth. If you are interested in learning more, then help us design a savvy digital financial health platform built for you by answering our poll at https://www.naolife.com/ and being rewarded with a chance to win a $100 gift card. Get your entries by July 31, 2019 to qualify for the draw. Please share with others so we can hear more voices and you can increase your chances of winning. Earn your first entry by completing the poll at https://www.naolife.com/. * Earn an additional entry with any of the following below: 1. Follow näo Financial. 2. Like this post. 3. Share this post by tagging others in the comments (one tag per comment). * Earn 5 more entries for every 2 friends who complete the poll. Make sure they fill in your email in the referral box. Note that you must complete poll to be eligible to win. We reserve the right to verifying eligibility prior to declaring the winner.
debtfreelife Our income for July is done (last payday of the month was last week), so I can post our progress updates. ⁣⁣⁣
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It was one of the smallest months so far (oh summer), and probably will be of the whole year. It’s progress though & we’re still rolling!⁣ ⁣⁣
𝗪𝐞 𝐟𝐞𝐥𝐥 𝐛𝐞𝐥𝐨𝐰 $𝟏𝟗𝟎𝐤 𝐭𝐡𝐢𝐬 𝐦𝐨𝐧𝐭𝐡! 👏🏻⁣⁣
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#beweird #freedomlife #mortgage #goals #owenoone #freeasabird #sahm #esl #workfromhome #debtfreecommunity #financialfreedom #debtfreejourney #teachonline #mortgagefreecommunity #debtfreeliving #debtfreelife #financialpeace #livelikenooneelse #minimalism #daveramsey #mortgagefree #financialpeaceuniversity #debtfree #tesol #debtsnowball #minimalist #budget #babystep6 #keepingupwiththedfc⁣⁣⁣
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Likes: 60
Posted at: 2019-07-22 16:05:51
Our income for July is done (last payday of the month was last week), so I can post our progress updates. ⁣⁣⁣ ⁣⁣ It was one of the smallest months so far (oh summer), and probably will be of the whole year. It’s progress though & we’re still rolling!⁣ ⁣⁣ 𝗪𝐞 𝐟𝐞𝐥𝐥 𝐛𝐞𝐥𝐨𝐰 $𝟏𝟗𝟎𝐤 𝐭𝐡𝐢𝐬 𝐦𝐨𝐧𝐭𝐡! 👏🏻⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ #beweird #freedomlife #mortgage #goals #owenoone #freeasabird #sahm #esl #workfromhome #debtfreecommunity #financialfreedom #debtfreejourney #teachonline #mortgagefreecommunity #debtfreeliving #debtfreelife #financialpeace #livelikenooneelse #minimalism #daveramsey #mortgagefree #financialpeaceuniversity #debtfree #tesol #debtsnowball #minimalist #budget #babystep6 #keepingupwiththedfc⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⠀⠀⁣⁣
debtfreelife Standard.. But I WILL get there... I WILL save up so I can afford the drop to a lesser wage but a better job. I’ve set myself a target by Christmas to have my notice handed into this dump and looking forward to the future 💫

#determination #newcareer #worklifebalance #happinessismostimportant #debtfree #debtfreelife #hurryup
Likes: 15
Posted at: 2019-07-22 15:52:00
Standard.. But I WILL get there... I WILL save up so I can afford the drop to a lesser wage but a better job. I’ve set myself a target by Christmas to have my notice handed into this dump and looking forward to the future 💫 #determination #newcareer #worklifebalance #happinessismostimportant #debtfree #debtfreelife #hurryup
debtfreelife Trying to get your debts under control?⠀
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Do these 5 things:⠀
⚖️List and organize your current expenses⠀
⚖️Trim the list to only be what you need⠀
⚖️Factor in possible pop up expenses⠀
⚖️Tackle the debt with the highest APR⠀
⚖️Hire an advisor if help is needed⠀
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You should check out @helloarnita for the awesome LifeStyle Planner if you are pumped to budget out your finances.⠀
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#Debt #DebtFree #DebtFreeLife #DebtFreeCommunity #Budget #Planner #PlanOut #Expenses #YourBudget #Planning
Likes: 4
Posted at: 2019-07-22 15:50:07
Trying to get your debts under control?⠀ ⠀ Do these 5 things:⠀ ⚖️List and organize your current expenses⠀ ⚖️Trim the list to only be what you need⠀ ⚖️Factor in possible pop up expenses⠀ ⚖️Tackle the debt with the highest APR⠀ ⚖️Hire an advisor if help is needed⠀ ⠀ You should check out @helloarnita for the awesome LifeStyle Planner if you are pumped to budget out your finances.⠀ ⠀ #Debt #DebtFree #DebtFreeLife #DebtFreeCommunity #Budget #Planner #PlanOut #Expenses #YourBudget #Planning
debtfreelife Good Monday morning! Just a loving reminder ❤️
Likes: 441
Posted at: 2019-07-22 15:48:20
Good Monday morning! Just a loving reminder ❤️
debtfreelife Give yourself a #financialcheckup before the summer gets away from you! From credit score to investments, from debts to resolutions, it’s time to look under the hood! Link in bio. #citizenfcu #westtexas #debtmanagement #debtfreelife
Likes: 1
Posted at: 2019-07-22 15:38:46
Give yourself a #financialcheckup before the summer gets away from you! From credit score to investments, from debts to resolutions, it’s time to look under the hood! Link in bio. #citizenfcu #westtexas #debtmanagement #debtfreelife
debtfreelife A sneak peek of something fun and happy Monday! What is one goal you have this week? 
For me it’s to reshoot 3 videos that my audio got messed up on and to finish a space I’ve been working on. 
#killyourmonday #letsdothis #mondaygoals #diy .
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#debtfree #debtfreecommunity
#debtfreejourney #debtfreedom #debtfreelife #personalfinance
#financialfreedom #buildwealth #financialindependence #savemoney #moneysaver #fire
#savingmoney #frugal #frugalliving
#frugallife #budgetgirl
Likes: 171
Posted at: 2019-07-22 15:38:31
A sneak peek of something fun and happy Monday! What is one goal you have this week? For me it’s to reshoot 3 videos that my audio got messed up on and to finish a space I’ve been working on. #killyourmonday #letsdothis #mondaygoals #diy . . . #debtfree #debtfreecommunity #debtfreejourney #debtfreedom #debtfreelife #personalfinance #financialfreedom #buildwealth #financialindependence #savemoney #moneysaver #fire #savingmoney #frugal #frugalliving #frugallife #budgetgirl
debtfreelife 🏡One week from today I’m heading back to the investment property in Fort Wayne, Indiana to hang curtains, finish floors and start furnishing the kitchen and dining room (my parental units and I are pondering transitioning this to a short term rental)! This house is my father’s real retirement project! .
🌿Don’t you love this Target last-season welcome mat I bought for $3 at The Salvation Army (it was new!!!). My mother things it might be Christmassy, but it brings me joy! Thoughts?
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🌼As I work to make this 700 square foot 2-bedroom feel all cozy and luxurious, I’m attempting to buy 100% of the furnishings second hand or wholesale!
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#investmentproperty #thriftyfinds #ficommunity #shorttermrental #shorttermrentals #househacking #househacks #firecommunity #financialindependence #financialindependenceretireearly #tinyhousecommunity #frugalliving #frugallife #frugalmom #renovator #realestateinvestors #realestateinvesting101 #debtfreecommunity #debtfreejourney #debtfreelife #debtfreelifestyle #airbnbhost #airbnbhosting #airbnbhosts
Likes: 12
Posted at: 2019-07-22 15:18:29
🏡One week from today I’m heading back to the investment property in Fort Wayne, Indiana to hang curtains, finish floors and start furnishing the kitchen and dining room (my parental units and I are pondering transitioning this to a short term rental)! This house is my father’s real retirement project! . 🌿Don’t you love this Target last-season welcome mat I bought for $3 at The Salvation Army (it was new!!!). My mother things it might be Christmassy, but it brings me joy! Thoughts? . 🌼As I work to make this 700 square foot 2-bedroom feel all cozy and luxurious, I’m attempting to buy 100% of the furnishings second hand or wholesale! . . . . #investmentproperty #thriftyfinds #ficommunity #shorttermrental #shorttermrentals #househacking #househacks #firecommunity #financialindependence #financialindependenceretireearly #tinyhousecommunity #frugalliving #frugallife #frugalmom #renovator #realestateinvestors #realestateinvesting101 #debtfreecommunity #debtfreejourney #debtfreelife #debtfreelifestyle #airbnbhost #airbnbhosting #airbnbhosts
debtfreelife START SOMEWHERE ••• I didn’t realize home ownership would lead to ALL the projects that need to get done. And it just feels so overwhelming. So I decided to start somewhere....even if that somewhere was a tiny piece of our lawn. Our lamp post is dated and from the 70s but has so much potential to be super cute! In a matter of hours, I primed and spray painted the lamppost black, ripped up the sod, planted the new flowers that were on sale from @walmart , mulched and added a few American flags from @dollartree ...cause Murica. I did it all in 90 degree heat too. I was covered head to toe in dirt but I am so proud of my little corner. It’s a great first step, cost less than $75 and has me motivated to tackle more DIY projects!
Likes: 44
Posted at: 2019-07-22 15:14:00
START SOMEWHERE ••• I didn’t realize home ownership would lead to ALL the projects that need to get done. And it just feels so overwhelming. So I decided to start somewhere....even if that somewhere was a tiny piece of our lawn. Our lamp post is dated and from the 70s but has so much potential to be super cute! In a matter of hours, I primed and spray painted the lamppost black, ripped up the sod, planted the new flowers that were on sale from @walmart , mulched and added a few American flags from @dollartree ...cause Murica. I did it all in 90 degree heat too. I was covered head to toe in dirt but I am so proud of my little corner. It’s a great first step, cost less than $75 and has me motivated to tackle more DIY projects!
debtfreelife When my wife and I got married, we had a plan that we would enter real estate as investors. 
We planned to borrow $50,000 each from our 401Ks. We would take the $100,000 and use it as collateral for a $500,000 loan to invest into real estate. 
I figured this will be easy! We will buy or build properties in great neighbors, fix them up if the property needs care and sell them for a profit! 
We found a plot of land for a really good price and we purchased it before taking out the loans. Alicia was reluctant about having a $500,000 note and decided that we should regroup. 
We began to read Dave Ramsey’s Total Money Makeover and the experience changed our mindset. To find out that Dave did the exact thing and became rich very fast was eye opening! He spoke about becoming rich very fast and also losing with money because of the way that he acquired it. We also learned that there are clauses in huge loans in which the bank can pull the loan giving you 90 days to return the money! If we invested the money in homes there would be no way that we could return that amount of money on such short notice. 
We decided to go against the 401K loans because of the clauses that the banks put in huge loan agreements. Also after reading the Total Money Makeover we learned that by taking a loan out on our 401Ks the money that remained in our 401Ks would loss it’s compounding potential! We had a plan that could’ve destroyed our life’s and our marriage because of the risk factors!! We decided to work Dave Ramsey’s Baby Steps and we sold the plot of land in baby step number 2, eliminating a debt and also we gained a profit from the sell. Dave teaches us to take as small risk as possible. The fact that we were going to borrow $100,000 from ourselves back in January, decided against it and actually spent $114,000 on debt in 6 months is eye opening! With sacrifice and patience anything is possible. We will never borrow money from anyone.

#worried2wealthy #debtfreejourney #debtfreecommunity 
Proverbs 22:7 
The rich will rule the poor; and the borrower will be slave to the lender.
Likes: 66
Posted at: 2019-07-22 14:54:48
When my wife and I got married, we had a plan that we would enter real estate as investors. We planned to borrow $50,000 each from our 401Ks. We would take the $100,000 and use it as collateral for a $500,000 loan to invest into real estate. I figured this will be easy! We will buy or build properties in great neighbors, fix them up if the property needs care and sell them for a profit! We found a plot of land for a really good price and we purchased it before taking out the loans. Alicia was reluctant about having a $500,000 note and decided that we should regroup. We began to read Dave Ramsey’s Total Money Makeover and the experience changed our mindset. To find out that Dave did the exact thing and became rich very fast was eye opening! He spoke about becoming rich very fast and also losing with money because of the way that he acquired it. We also learned that there are clauses in huge loans in which the bank can pull the loan giving you 90 days to return the money! If we invested the money in homes there would be no way that we could return that amount of money on such short notice. We decided to go against the 401K loans because of the clauses that the banks put in huge loan agreements. Also after reading the Total Money Makeover we learned that by taking a loan out on our 401Ks the money that remained in our 401Ks would loss it’s compounding potential! We had a plan that could’ve destroyed our life’s and our marriage because of the risk factors!! We decided to work Dave Ramsey’s Baby Steps and we sold the plot of land in baby step number 2, eliminating a debt and also we gained a profit from the sell. Dave teaches us to take as small risk as possible. The fact that we were going to borrow $100,000 from ourselves back in January, decided against it and actually spent $114,000 on debt in 6 months is eye opening! With sacrifice and patience anything is possible. We will never borrow money from anyone. #worried2wealthy #debtfreejourney #debtfreecommunity Proverbs 22:7 The rich will rule the poor; and the borrower will be slave to the lender.
debtfreelife Throwback to our dream Maui vacation after we paid off our house and became debt free. 🌴 We worked so hard to pay off our mortgage and couldn’t wait to celebrate in Hawaii! ☀️ Such an amazing trip!! ✈️ What will you do when you become debt free or what did you do to celebrate?? 🥂 Check out the new post on my blog for ideas! 😎😎😎 #debtfreecommunity #debtfreejourney #debtfreelife #debtpayoff #mortgagefree #freedom #createalifeyoulove #thelittlefrugalhouse #moneygoals #mauihawaii #dreamtrip #dreamlife
Likes: 24
Posted at: 2019-07-22 14:49:06
Throwback to our dream Maui vacation after we paid off our house and became debt free. 🌴 We worked so hard to pay off our mortgage and couldn’t wait to celebrate in Hawaii! ☀️ Such an amazing trip!! ✈️ What will you do when you become debt free or what did you do to celebrate?? 🥂 Check out the new post on my blog for ideas! 😎😎😎 #debtfreecommunity #debtfreejourney #debtfreelife #debtpayoff #mortgagefree #freedom #createalifeyoulove #thelittlefrugalhouse #moneygoals #mauihawaii #dreamtrip #dreamlife
debtfreelife Sinking Funds
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We had a Sinking Fund envelope of $200 for my birthday BBQ that unfortunately did not happen this year due to home renovations. •
So we @homewithmamaar used to this cash to enjoy a dinner with friends @momdrews20. It was nothing but steak steak and more steak @mealsteak. •
How to set up a sinking fund:
1. Choose what to fund: “Fit Budget Daddy B-day” 
2. Choose Amount to Budget ($200)
3. Divide amount by months until event. So July is the 7 month. $200➗7= $28.57 ($29)
4. Start stuffing that envelope ✉️ •
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#debtsnowball #debtfreecommunity #debtsnowballin #moneysavingtips #buildingwealth #lessismore #strongmindset #raisingconsciouness #focusonyou #beanexample #patienceiskey #disciplined
#youcandoanything #pushforward #bethegood #moneymanagement #investinyou #evolving #strongbody #strongmind #savingmoney #moveforward #payitforward #higherpurpose #livingonabudget #financeblogger
#disciplined #learners #debtfreelife
#frugallife
Likes: 41
Posted at: 2019-07-22 14:41:00
Sinking Funds • We had a Sinking Fund envelope of $200 for my birthday BBQ that unfortunately did not happen this year due to home renovations. • So we @homewithmamaar used to this cash to enjoy a dinner with friends @momdrews20. It was nothing but steak steak and more steak @mealsteak. • How to set up a sinking fund: 1. Choose what to fund: “Fit Budget Daddy B-day” 2. Choose Amount to Budget ($200) 3. Divide amount by months until event. So July is the 7 month. $200➗7= $28.57 ($29) 4. Start stuffing that envelope ✉️ • • • #debtsnowball #debtfreecommunity #debtsnowballin #moneysavingtips #buildingwealth #lessismore #strongmindset #raisingconsciouness #focusonyou #beanexample #patienceiskey #disciplined #youcandoanything #pushforward #bethegood #moneymanagement #investinyou #evolving #strongbody #strongmind #savingmoney #moveforward #payitforward #higherpurpose #livingonabudget #financeblogger #disciplined #learners #debtfreelife #frugallife
debtfreelife Come and listen to Podcast #3 all about saving money on food! .
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#Frugalworkshop #frugalworkshopblog #frugalworkshoppodcast #blogger #frugalblogger #podcast #frugalpodcast #frugal #frugalliving #frugallife #savingmoney #debtfree #debtfreelife #debtfreecommunity #frugalinfluencer #yardsalesaturday #feedingmyfamilyforless
Likes: 10
Posted at: 2019-07-22 14:27:42
Come and listen to Podcast #3 all about saving money on food! . . . #Frugalworkshop #frugalworkshopblog #frugalworkshoppodcast #blogger #frugalblogger #podcast #frugalpodcast #frugal #frugalliving #frugallife #savingmoney #debtfree #debtfreelife #debtfreecommunity #frugalinfluencer #yardsalesaturday #feedingmyfamilyforless
debtfreelife Sometimes facing up to things is the most difficult part! .
When I switched a credit card balance to a 0% interest card, that became apparent! .
Thinking the total on the card was around £2k, I was surprised...actually horrified when it was closer to £4K!! That with a comment from the bank lady... it was pretty embarrassing. .
But at that point i knew the total debt, I knew some of the others so this just wrapped things up. .
It’s always best to know the details regardless of how scary it might be! .
It is scary, but how can you get started without knowing the path to take and the predicted journey time! .
Take a deep breath and look!
Likes: 22
Posted at: 2019-07-22 13:35:37
Sometimes facing up to things is the most difficult part! . When I switched a credit card balance to a 0% interest card, that became apparent! . Thinking the total on the card was around £2k, I was surprised...actually horrified when it was closer to £4K!! That with a comment from the bank lady... it was pretty embarrassing. . But at that point i knew the total debt, I knew some of the others so this just wrapped things up. . It’s always best to know the details regardless of how scary it might be! . It is scary, but how can you get started without knowing the path to take and the predicted journey time! . Take a deep breath and look!
debtfreelife I'm being 100% honest. These words have saved me a lot of money and time. Whether it's purchasing something, donating to charity, or going out with friends. When you do a budget, you understand your limits. You know how much you can afford to spend on shopping. You know how much you can afford to donate for the month. You know how much you can spend on entertainment or recreation with friends. It's all there laid out before when you did your budget at the beginning of the month. •••••••••••••••••••••••••••••••••••••••••••••••• What is really interesting is the relationship between saving time and money. If something is not in the budget, it also allows me to save time in a few ways. I save time thinking about the opportunity at hand to spend money. I also save time in spending the money. Lastly, I save time from not going to the outing/event/recreation, etc. The cool part is what I do with that saved time can really create more money by doing something that betters me as an individual, or it could simply mean taking time for my self and self-care. #paychecks2power
Likes: 144
Posted at: 2019-07-22 13:16:00
I'm being 100% honest. These words have saved me a lot of money and time. Whether it's purchasing something, donating to charity, or going out with friends. When you do a budget, you understand your limits. You know how much you can afford to spend on shopping. You know how much you can afford to donate for the month. You know how much you can spend on entertainment or recreation with friends. It's all there laid out before when you did your budget at the beginning of the month. •••••••••••••••••••••••••••••••••••••••••••••••• What is really interesting is the relationship between saving time and money. If something is not in the budget, it also allows me to save time in a few ways. I save time thinking about the opportunity at hand to spend money. I also save time in spending the money. Lastly, I save time from not going to the outing/event/recreation, etc. The cool part is what I do with that saved time can really create more money by doing something that betters me as an individual, or it could simply mean taking time for my self and self-care. #paychecks2power
debtfreelife Murphy's law- anything that can go wrong will go wrong. ⁣
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I can't tell you how many times having a savings has saved me. Financial emergencies happen all throughout the year, when you least expect it. But being ready for them makes a huge difference in how you will feel when Murphy does hit. You'll have peace of mind. ⁣
Likes: 51
Posted at: 2019-07-22 12:47:30
Murphy's law- anything that can go wrong will go wrong. ⁣ ⁣ I can't tell you how many times having a savings has saved me. Financial emergencies happen all throughout the year, when you least expect it. But being ready for them makes a huge difference in how you will feel when Murphy does hit. You'll have peace of mind. ⁣
debtfreelife Part time study! I started studying part time this year as I felt I needed a hobby and side hustle that let me be creative. Unfortunately it adds $10k to my debt by the time I'm finished but it should help boost my income in the long run. 💅💄💆‍♀️
Likes: 13
Posted at: 2019-07-22 12:47:02
Part time study! I started studying part time this year as I felt I needed a hobby and side hustle that let me be creative. Unfortunately it adds $10k to my debt by the time I'm finished but it should help boost my income in the long run. 💅💄💆‍♀️
debtfreelife This year I want to help others pay off $100,000 in debt by the end of 2019. So far, my first Financial Peace Class paid off over $23,000 in debt. 
If you want to learn how to become debt free join my 9-week online Financial Peace Class, that starts on August 15th.  For more information inbox me!

Live on purpose!

#financialscientist #debtsurvivors #financialcoach #financialeducator #speaker #debtfreelife #lifechangers #wealthbuilders
Likes: 19
Posted at: 2019-07-22 12:33:54
This year I want to help others pay off $100,000 in debt by the end of 2019. So far, my first Financial Peace Class paid off over $23,000 in debt. If you want to learn how to become debt free join my 9-week online Financial Peace Class, that starts on August 15th. For more information inbox me! Live on purpose! #financialscientist #debtsurvivors #financialcoach #financialeducator #speaker #debtfreelife #lifechangers #wealthbuilders
debtfreelife What little step are you taking today to make a debt free life for yourself?

Yes, it started with little steps for me. I honestly kicked it off by taking over half of my wardrobe to the consignment shop and using that money to get caught up on bills. Then? We budgeted like rockstars. That was the only way you could take 2 rigid people who were out of control with spending and teach them to stop. Create a budget and stick to it as hard as you can. We are both reward driven and rigid. This worked for us!!! We are deep in Baby Step 2, or the Avalanche or whatever you call it. It's working though. Start with a small step and begin your journey. Why not? What do you actually have to lose? .
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#motivationmonday #adventure #motivation #entrepreneur #bossbabe #thegoodlife #bossmom #goalcrusher #dreams #makeithappen #debtfreecommunity #debtfreegoals #debtsucks #savemoney #debtfreeliving #debtfreelife #debtfreejourney #frugalliving #budgeting #smartmoney #tips #debtsnowball #financialfreedom #personalfinance #debt #babystep2 #workfromanywhere #coffeetime #coffee #quoteoftheday
Likes: 7
Posted at: 2019-07-22 12:23:39
What little step are you taking today to make a debt free life for yourself? Yes, it started with little steps for me. I honestly kicked it off by taking over half of my wardrobe to the consignment shop and using that money to get caught up on bills. Then? We budgeted like rockstars. That was the only way you could take 2 rigid people who were out of control with spending and teach them to stop. Create a budget and stick to it as hard as you can. We are both reward driven and rigid. This worked for us!!! We are deep in Baby Step 2, or the Avalanche or whatever you call it. It's working though. Start with a small step and begin your journey. Why not? What do you actually have to lose? . . . . #motivationmonday #adventure #motivation #entrepreneur #bossbabe #thegoodlife #bossmom #goalcrusher #dreams #makeithappen #debtfreecommunity #debtfreegoals #debtsucks #savemoney #debtfreeliving #debtfreelife #debtfreejourney #frugalliving #budgeting #smartmoney #tips #debtsnowball #financialfreedom #personalfinance #debt #babystep2 #workfromanywhere #coffeetime #coffee #quoteoftheday
debtfreelife When your heart is on fire for something, it can be so tempting to scream it from the rooftops and tell everyone you know! You want everyone else to be as excited for you as you are for yourself. You're looking for support and encouragement...but some people are not safe
Likes: 4
Posted at: 2019-07-22 12:15:18
When your heart is on fire for something, it can be so tempting to scream it from the rooftops and tell everyone you know! You want everyone else to be as excited for you as you are for yourself. You're looking for support and encouragement...but some people are not safe "dream keepers." Some people will find a flaw in your plan and chip away at your joy. Some people will project their own fears and discontentment into your resolve. Some people will tell you why it "can't" or "shouldn't" be done and how THEY believe your dream won't be good for YOU. But who has to live with the consequences if your dream does flop? Not them. And who has to live with an unfulfilled heart and a life of regret if you don't chase that dream? YOU. Which risk would you rather take? Share your heart with those who cheer for your success and be mindful of how much you share with those intent on watching you fail just so they can say, "I told you so." ✨Be a ruthless protector of your dreams so when the challenges come and you feel discouraged, you can turn to the people in your corner and know they've got your back.✨
debtfreelife I’ve been shortlisted for a higher position within my office.  It’s just me against another staff member + we’ve been allocated two quality assurance tasks to complete by 4pm tomorrow + will have to do written answers to four different questions tomorrow at 11am.  I think I’ve nailed the QA tasks + I’m all prepped for whatever questions there will be tomorrow.  If I’m successful in the position, it’ll bring my pay from $80k to $93k, so here’s hoping 🤞🏻
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#debt #debtfree #debtfreecommunity #ozdebtfreecommunity #aussiedebtfreecommunity #frugal #budget #debtfreelife #financialfreedom #fire #thrifty #finance #moneymaker #barefootinvestor #invest #daveramsey #mindfulmoney #money #propertyinvestor  #sidehustle #hustle #ozsavingcommunity #money
Likes: 54
Posted at: 2019-07-22 12:06:58
I’ve been shortlisted for a higher position within my office. It’s just me against another staff member + we’ve been allocated two quality assurance tasks to complete by 4pm tomorrow + will have to do written answers to four different questions tomorrow at 11am. I think I’ve nailed the QA tasks + I’m all prepped for whatever questions there will be tomorrow. If I’m successful in the position, it’ll bring my pay from $80k to $93k, so here’s hoping 🤞🏻 • #debt #debtfree #debtfreecommunity #ozdebtfreecommunity #aussiedebtfreecommunity #frugal #budget #debtfreelife #financialfreedom #fire #thrifty #finance #moneymaker #barefootinvestor #invest #daveramsey #mindfulmoney #money #propertyinvestor #sidehustle #hustle #ozsavingcommunity #money
debtfreelife Kicking off the week with one of my favorite personal finance quotes! ✨

Happy Monday! #mondaymood
Likes: 39
Posted at: 2019-07-22 12:01:08
Kicking off the week with one of my favorite personal finance quotes! ✨ Happy Monday! #mondaymood
debtfreelife Don’t have an emergency fund yet❓
Well, there’s no better time to start then NOW! Start with something small, anywhere between $500-$1000 with that I guarantee you of getting $5,250 weekly. Emergency funds are so very important in life, every single person on this Earth should have some sort of fund in place.
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✅Trust me when I say this, your future-self will give a huge THANK YOU. Especially when small emergencies pop up like vet bills, medicals bills, or even small car repairs. Dm me if you are interested.
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#paychecktopaycheck #career #financialfreedom #paychecks #daveramseybabysteps #budgetlife #income #babysteps #checks #debtisdumb #debtfreegoals #frugalliving #cashisking #ukdebtfreecommunity #checkstub #employmentverification #lightbill #frugallife #debtfreelife #change #familyfinances #insurancecard #creditscore #payday #insurance #checkstubs #verification #familybudget #financialpeace #budgetbybankaccount
Likes: 7
Posted at: 2019-07-22 11:25:10
Don’t have an emergency fund yet❓ Well, there’s no better time to start then NOW! Start with something small, anywhere between $500-$1000 with that I guarantee you of getting $5,250 weekly. Emergency funds are so very important in life, every single person on this Earth should have some sort of fund in place. - ✅Trust me when I say this, your future-self will give a huge THANK YOU. Especially when small emergencies pop up like vet bills, medicals bills, or even small car repairs. Dm me if you are interested. . . . . #paychecktopaycheck #career #financialfreedom #paychecks #daveramseybabysteps #budgetlife #income #babysteps #checks #debtisdumb #debtfreegoals #frugalliving #cashisking #ukdebtfreecommunity #checkstub #employmentverification #lightbill #frugallife #debtfreelife #change #familyfinances #insurancecard #creditscore #payday #insurance #checkstubs #verification #familybudget #financialpeace #budgetbybankaccount
debtfreelife One week left and we're so close to hitting our goal of reducing our grocery budget by 25%. This is just the start though. We would really like to reduce it by 50% which would be saving us $400 every single month😯. It's definitely a challenge but meal prepping is helping. The hardest part is of course telling yourself no LOL. No to the chocolate, no to the frozen snacks, no to most things that you're paying that convenience cost for. This week we are planning to shop our cabinets so that we can come in under budget and get the win! And then we will take what we learned from July and set our sights higher next month.😁🔥🔥🔥
Likes: 65
Posted at: 2019-07-22 10:43:48
One week left and we're so close to hitting our goal of reducing our grocery budget by 25%. This is just the start though. We would really like to reduce it by 50% which would be saving us $400 every single month😯. It's definitely a challenge but meal prepping is helping. The hardest part is of course telling yourself no LOL. No to the chocolate, no to the frozen snacks, no to most things that you're paying that convenience cost for. This week we are planning to shop our cabinets so that we can come in under budget and get the win! And then we will take what we learned from July and set our sights higher next month.😁🔥🔥🔥
debtfreelife I had 2 No Spend Days yesterday and today and going for one more tomorrow..
No Spend Day for me is not spending a single cent (of my own money anyway)
I waste so much money on groceries and alot gets wasted and it drives me mad.
Tonight MR wanted to get takeaway (he was paying) but I said no, there's food in the fridge 😆, he wasn't too impressed but I told him I'm sick of wasting my money on food.
I'm only planning on spending $50 or less for the week and that's to buy bread and fresh produce, we have enough food at home.
Anyone else have this struggle? •••••••••••••••••••••••••••••••••••••••••
#goodvibes #debtfreecommunity #debt #debtfreejourney #debtslave #debtfreeliving #heath #gym #chunky #organised #money #debtfreegoals #financialfreedom #financialgoals #budget #budgeting #debtfreelife #goals #planning #thebarefootinvestor #simplelife #keepitsimple #lovelife #aussiedebtfreecommunity #Australia #barefoot #money #work #debtfree #debtisdumb
Likes: 52
Posted at: 2019-07-22 10:40:28
I had 2 No Spend Days yesterday and today and going for one more tomorrow.. No Spend Day for me is not spending a single cent (of my own money anyway) I waste so much money on groceries and alot gets wasted and it drives me mad. Tonight MR wanted to get takeaway (he was paying) but I said no, there's food in the fridge 😆, he wasn't too impressed but I told him I'm sick of wasting my money on food. I'm only planning on spending $50 or less for the week and that's to buy bread and fresh produce, we have enough food at home. Anyone else have this struggle? ••••••••••••••••••••••••••••••••••••••••• #goodvibes #debtfreecommunity #debt #debtfreejourney #debtslave #debtfreeliving #heath #gym #chunky #organised #money #debtfreegoals #financialfreedom #financialgoals #budget #budgeting #debtfreelife #goals #planning #thebarefootinvestor #simplelife #keepitsimple #lovelife #aussiedebtfreecommunity #Australia #barefoot #money #work #debtfree #debtisdumb
debtfreelife Who's been here before? 😂😂 Before we started focusing on our debt, there were days like this for sure! #staypositive
Likes: 404
Posted at: 2019-07-22 10:37:49
Who's been here before? 😂😂 Before we started focusing on our debt, there were days like this for sure! #staypositive
debtfreelife 🙊 Not something I ever wanted to hear (or admit!) while we were living the Jones's Lifestyle.

It was always - next year it will be different; next raise we'll save more; this consolation loan will get us out of debt; this better interest rate; that credit transfer; these lower repayments ... blah blah blah.

And where did all that 'extra' money we found go?

F$@k knows!

Not on reducing our debts, that's for sure!

Truth is nothing changes if nothing changes.

Sure, we *thought* we were making *smarter* moves with our money, but in reality we were simply shuffling things around.

You know the old saying
Likes: 203
Posted at: 2019-07-22 10:24:56
🙊 Not something I ever wanted to hear (or admit!) while we were living the Jones's Lifestyle. It was always - next year it will be different; next raise we'll save more; this consolation loan will get us out of debt; this better interest rate; that credit transfer; these lower repayments ... blah blah blah. And where did all that 'extra' money we found go? F$@k knows! Not on reducing our debts, that's for sure! Truth is nothing changes if nothing changes. Sure, we *thought* we were making *smarter* moves with our money, but in reality we were simply shuffling things around. You know the old saying "Change is as good as a holiday!" ... well all our shuffling made us *feel* like we were doing something, when in reality we hadn't moved an inch. It was all an illusion. Because we weren't addressing the heart of the problem; we weren't looking at our day to day behaviours with money. We weren't prepared to pay to win. We weren't willing to sacrifice our current lifestyle in order to have the life we desired. It was our spending habits that got us into debt - not our income, not our interest rates, & not our monthly minimum repayments. It was our spending habits, and nothing else. And it was our spending habits that were going to get us out. That meant a lot of our spending habits had to change. I'm not just talking about *what* we spent our money on & how much, but also how we managed our money, how we talked about money & our attitude towards it. The ONLY way to get out of debt is to STOP adding to it & pay it off. And that starts with our spending habits. #lifeonabudget #debtfreejourney #debtfreecommunity #debtfreecommunityAustralia #ozdebtfreecommunity #journeytofi #frugalliving #budgetliving #frugalmum #budgetmum #frugallife #budgetlife #savemoney #buildwealth #payoffdebt #debtfree #debtfreelife #debtfreeAF #debtfreedom
debtfreelife 🔆 NET WORTH UPDATE 🔆 
April: 1.9% increase. Liabilities are my wife's business expenses that need to be reimbursed by her job. I include them because teeeeechnically they ARE on her personal card. No worries tho, we are still debt free! 🙌🏾
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This is our Year to date net worth growth and we are at a 21% increase for the year!!!! Our long term goal is to be millionaires in 7 years, but by 2020 we want to be half millionaires✊🏿💪🏾
#debtfreeliving #debtfreelife #debtfreejourney #debtfreecommunity #blackexcellence #retirement #goals #itsgonnabemay #networth #personalfinance #wealth #wealthy #wealthnoir #generationalwealth #wealthbuilding #moneymag #yahoofinance #financialwellness #financialwellbeing personalcapital #investor #investing #dreams #2020
Likes: 5
Posted at: 2019-07-22 10:15:14
🔆 NET WORTH UPDATE 🔆 April: 1.9% increase. Liabilities are my wife's business expenses that need to be reimbursed by her job. I include them because teeeeechnically they ARE on her personal card. No worries tho, we are still debt free! 🙌🏾 ×××××××SWIPE LEFT××××××××× This is our Year to date net worth growth and we are at a 21% increase for the year!!!! Our long term goal is to be millionaires in 7 years, but by 2020 we want to be half millionaires✊🏿💪🏾 #debtfreeliving #debtfreelife #debtfreejourney #debtfreecommunity #blackexcellence #retirement #goals #itsgonnabemay #networth #personalfinance #wealth #wealthy #wealthnoir #generationalwealth #wealthbuilding #moneymag #yahoofinance #financialwellness #financialwellbeing personalcapital #investor #investing #dreams #2020
debtfreelife 🔆 NET WORTH UPDATE 🔆 
April: 1.9% increase. Liabilities are my wife's business expenses that need to be reimbursed by her job. I include them because teeeeechnically they ARE on her personal card. No worries tho, we are still debt free! 🙌🏾
×××××××SWIPE LEFT×××××××××
This is our Year to date net worth growth and we are at a 21% increase for the year!!!! Our long term goal is to be millionaires in 7 years, but by 2020 we want to be half millionaires✊🏿💪🏾
#debtfreeliving #debtfreelife #debtfreejourney #debtfreecommunity #blackexcellence #retirement #goals #itsgonnabemay #networth #personalfinance #wealth #wealthy #wealthnoir #generationalwealth #wealthbuilding #moneymag #yahoofinance #financialwellness #financialwellbeing personalcapital #investor #investing #dreams #2020
Likes: 5
Posted at: 2019-07-22 10:09:56
🔆 NET WORTH UPDATE 🔆 April: 1.9% increase. Liabilities are my wife's business expenses that need to be reimbursed by her job. I include them because teeeeechnically they ARE on her personal card. No worries tho, we are still debt free! 🙌🏾 ×××××××SWIPE LEFT××××××××× This is our Year to date net worth growth and we are at a 21% increase for the year!!!! Our long term goal is to be millionaires in 7 years, but by 2020 we want to be half millionaires✊🏿💪🏾 #debtfreeliving #debtfreelife #debtfreejourney #debtfreecommunity #blackexcellence #retirement #goals #itsgonnabemay #networth #personalfinance #wealth #wealthy #wealthnoir #generationalwealth #wealthbuilding #moneymag #yahoofinance #financialwellness #financialwellbeing personalcapital #investor #investing #dreams #2020
debtfreelife There is so many ways to make money in real estate! 1. Rental income 2. Loan pay down 3. Appreciation 4. Tax benefits
Likes: 22
Posted at: 2019-07-22 10:03:49
There is so many ways to make money in real estate! 1. Rental income 2. Loan pay down 3. Appreciation 4. Tax benefits
debtfreelife Today we celebrate the birthday of Lizette Tanie from our Admin Department! May there be many more 🥂🥳 #DebtZen #debtfreecommunity #debtfreelife #debtcounselling #debtreview #debtfree #debtconsolidation #workhardplayharder #lessdebtlessstress #becomedebtfreetoday #lessdebtstress #winter #petrolprices #debtfreenewme #sdpattorneys
Likes: 3
Posted at: 2019-07-22 09:59:00
Today we celebrate the birthday of Lizette Tanie from our Admin Department! May there be many more 🥂🥳 #DebtZen #debtfreecommunity #debtfreelife #debtcounselling #debtreview #debtfree #debtconsolidation #workhardplayharder #lessdebtlessstress #becomedebtfreetoday #lessdebtstress #winter #petrolprices #debtfreenewme #sdpattorneys
debtfreelife Today we celebrate the birthday of Lizette Tanie from our Admin Department! May there be many more 🥂🥳 #DebtZen #debtfreecommunity #debtfreelife #debtcounselling #debtreview #debtfree #debtconsolidation #workhardplayharder #lessdebtlessstress #becomedebtfreetoday #lessdebtstress #winter #petrolprices #debtfreenewme #sdpattorneys
Likes: 5
Posted at: 2019-07-22 09:55:30
Today we celebrate the birthday of Lizette Tanie from our Admin Department! May there be many more 🥂🥳 #DebtZen #debtfreecommunity #debtfreelife #debtcounselling #debtreview #debtfree #debtconsolidation #workhardplayharder #lessdebtlessstress #becomedebtfreetoday #lessdebtstress #winter #petrolprices #debtfreenewme #sdpattorneys
debtfreelife Today we celebrate the birthday of Lizette Tanie from our Admin Department! May there be many more 🥂🥳 #DebtZen #debtfreecommunity #debtfreelife #debtcounselling #debtreview #debtfree #debtconsolidation #workhardplayharder #lessdebtlessstress #becomedebtfreetoday #lessdebtstress #winter #petrolprices #debtfreenewme #sdpattorneys
Likes: 6
Posted at: 2019-07-22 09:55:17
Today we celebrate the birthday of Lizette Tanie from our Admin Department! May there be many more 🥂🥳 #DebtZen #debtfreecommunity #debtfreelife #debtcounselling #debtreview #debtfree #debtconsolidation #workhardplayharder #lessdebtlessstress #becomedebtfreetoday #lessdebtstress #winter #petrolprices #debtfreenewme #sdpattorneys
debtfreelife A huge money saver for me is cooking my own meals and meal prepping. At least once a week I batch cook. I typically, try to have meals on hand by Thursday ( I prefer not to meal prep during the weekends). I also make fresh watermelon juice at home for the fraction of the price that stores sell it for. Not only does doing this save me money. It also allows me to make healthy meal choices. .
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Do you meal prep? .
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#debtfreejourney #debtfree #frugalliving #frugal #debt #debtfreedom #debtfreelife #mealprep #meal #mealplanning #mealplanner #mealplanbabes
Likes: 10
Posted at: 2019-07-22 09:38:53
A huge money saver for me is cooking my own meals and meal prepping. At least once a week I batch cook. I typically, try to have meals on hand by Thursday ( I prefer not to meal prep during the weekends). I also make fresh watermelon juice at home for the fraction of the price that stores sell it for. Not only does doing this save me money. It also allows me to make healthy meal choices. . . Do you meal prep? . . . #debtfreejourney #debtfree #frugalliving #frugal #debt #debtfreedom #debtfreelife #mealprep #meal #mealplanning #mealplanner #mealplanbabes
debtfreelife It's so easy to worry about debt every day, when you have a lot it plays a huge part in your day to day life. I try not to let it get me down as a lot of my debt I chose to have. When I turned 21 I chose to take a nice car out on finance and put fancy holidays on my credit card etc as well as using it to help me get from paycheck to paycheck. I've accumulated quite a bit of debt over the years and only paid minimum payments but I now have a plan to become debt free and as long as I stick to it and don't have unrealistic expectations of becoming debt free overnight, it should all work out. I don't regret having debt in general but I have learnt the hard way how to manage my money better and not get into the same situation again. Worrying won't change anything or take the debt away. Stay positive!! 😊
#budget #budgeting #save #debt #debtfreegoals #debtfreejourney #debtfreecommunity #financialfreedom #financialgoals #moneysaving #moneysavingtips #savemoney #l4l #like4like #f4f #follow4followback #followforfollow #follow4follow #moneysaver #savy #thrifty #thriftyliving #debtfreedom #savyshopper #broke #finances #debtproblems #payday #debtfreelife #worry
Likes: 18
Posted at: 2019-07-22 09:27:59
It's so easy to worry about debt every day, when you have a lot it plays a huge part in your day to day life. I try not to let it get me down as a lot of my debt I chose to have. When I turned 21 I chose to take a nice car out on finance and put fancy holidays on my credit card etc as well as using it to help me get from paycheck to paycheck. I've accumulated quite a bit of debt over the years and only paid minimum payments but I now have a plan to become debt free and as long as I stick to it and don't have unrealistic expectations of becoming debt free overnight, it should all work out. I don't regret having debt in general but I have learnt the hard way how to manage my money better and not get into the same situation again. Worrying won't change anything or take the debt away. Stay positive!! 😊 #budget #budgeting #save #debt #debtfreegoals #debtfreejourney #debtfreecommunity #financialfreedom #financialgoals #moneysaving #moneysavingtips #savemoney #l4l #like4like #f4f #follow4followback #followforfollow #follow4follow #moneysaver #savy #thrifty #thriftyliving #debtfreedom #savyshopper #broke #finances #debtproblems #payday #debtfreelife #worry
debtfreelife BOOM! Please tell me some of your stupid or high priced purchases.  #money #ozdebtfreecommunity #debtfreecommunity #ant #cash #frugal #debtfreejourney #debtfree #nodebt #debtfreelife #daveramsey #budget #family #mum #mumof4 #hustle.
Likes: 21
Posted at: 2019-07-22 09:13:16
BOOM! Please tell me some of your stupid or high priced purchases. #money #ozdebtfreecommunity #debtfreecommunity #ant #cash #frugal #debtfreejourney #debtfree #nodebt #debtfreelife #daveramsey #budget #family #mum #mumof4 #hustle.
debtfreelife I’m off work now for two weeks with my husband and as we are on a budget we will be holidaying at home this year. This doesn’t mean that we will be restricted to the house and not do anything exciting though. We intend to get out and about and explore the local surroundings and see things that we never normally have time to do when we are working. I have written a list of things that we want do as here is nothing worse than wasting half your day trying to decide on what you are going to do! I’ve also got a small budget so that we can treat ourselves occasionally on things such as having lunch out, drinks and ice cream. Most of the time we will take picnics and flasks of tea from home. I wish we were heading off somewhere exotic and warm but I’m sure we will have a lovely time at home. The aim is to get debt free so we can travel further afield in the future. #debt #debtfree #debtfreedom #debtfreedreams #debtfreegoals #debtfreelife #debtfreejourney  #debtfreejourneyuk #debtfreeuk #debtfreecommunity  #debtfreecommunityuk #staycation #holidayingonabudget #summer
Likes: 44
Posted at: 2019-07-22 08:43:15
I’m off work now for two weeks with my husband and as we are on a budget we will be holidaying at home this year. This doesn’t mean that we will be restricted to the house and not do anything exciting though. We intend to get out and about and explore the local surroundings and see things that we never normally have time to do when we are working. I have written a list of things that we want do as here is nothing worse than wasting half your day trying to decide on what you are going to do! I’ve also got a small budget so that we can treat ourselves occasionally on things such as having lunch out, drinks and ice cream. Most of the time we will take picnics and flasks of tea from home. I wish we were heading off somewhere exotic and warm but I’m sure we will have a lovely time at home. The aim is to get debt free so we can travel further afield in the future. #debt #debtfree #debtfreedom #debtfreedreams #debtfreegoals #debtfreelife #debtfreejourney #debtfreejourneyuk #debtfreeuk #debtfreecommunity #debtfreecommunityuk #staycation #holidayingonabudget #summer
debtfreelife #debtfreecommunity #debtfreejourney  #debtfreeby40  #debtfreelife
Likes: 5
Posted at: 2019-07-22 08:13:40
debtfreelife Nice little flip sale yesterday 🤑 I bought this as 3 for £1 from the community centre where my daughter does dance lessons, they have a big shelf of donated books and DVDs. As it’s just a donation shelf I don’t think anyone goes through to online price check like a charity shop might do these days. 
I priced this in line with similar sold items but with a margin to accept offers. 
I recently refused a £10 offer and went back in with £14 which they refused. Now I’m glad I stuck to my price! Now I’m off for the summer hols I plan to go sourcing a bit more as I do really enjoy finding rare items like this.

However I also am wary of shifting the stuff I already have listed (60+ items -mostly own decluttered stuff); wasting money on things that don’t end up selling and filling my house with other people’s unwanted crap that doesn’t sell! 
It’s a fine line unless I want to turn this into a serious income stream rather than a casual thing. 
I would love to board out the loft and have pull down ladders installed so everything could be stored and accessed as easy as going into a cupboard, at the moment the loft is full but it’s a mission to get in! Definitely one for the long term plan...
Likes: 38
Posted at: 2019-07-22 08:10:09
Nice little flip sale yesterday 🤑 I bought this as 3 for £1 from the community centre where my daughter does dance lessons, they have a big shelf of donated books and DVDs. As it’s just a donation shelf I don’t think anyone goes through to online price check like a charity shop might do these days. I priced this in line with similar sold items but with a margin to accept offers. I recently refused a £10 offer and went back in with £14 which they refused. Now I’m glad I stuck to my price! Now I’m off for the summer hols I plan to go sourcing a bit more as I do really enjoy finding rare items like this. However I also am wary of shifting the stuff I already have listed (60+ items -mostly own decluttered stuff); wasting money on things that don’t end up selling and filling my house with other people’s unwanted crap that doesn’t sell! It’s a fine line unless I want to turn this into a serious income stream rather than a casual thing. I would love to board out the loft and have pull down ladders installed so everything could be stored and accessed as easy as going into a cupboard, at the moment the loft is full but it’s a mission to get in! Definitely one for the long term plan...
debtfreelife HALLELUJAH 🙌 #Repost @bemorewithless bc in the last week, I've had at least five people say some sort of variation of
Likes: 192
Posted at: 2019-07-22 05:42:11
HALLELUJAH 🙌 #Repost @bemorewithless bc in the last week, I've had at least five people say some sort of variation of "Wow, you must be so busy" which I'm sure was intended as a compliment or was a nice assumption based off my social media. Or maybe just a way to make conversation. Somehow being "busy," (aka being stressed, having too many things to do, feeling like you have no time) seems to be a badge of honor we wear. Counterintuitively, my new definition of success is to NEVER BE BUSY. I want the time and freedom to do what I like to do, when I like to do it, with people I want to do it with. While I'm still not 💯 there, I'm working to get there, day by day. So I guess you can say I'm real busy, trying to not be busy 😆 #mondaymotivation
debtfreelife Hey everyone! I’ve been M.I.A. lately and not able to post as much. Had work, traveled out of state for a wedding and was helping my mom by going over finances and budgeting this past week (glad she’s finally going to give this a shot!). Today, I’ve been tallying up how much I need to max out my investments, etc. (yup, did this for fun hahaha). Although I won’t be maxing out as of the next few years, I wanted to break down my 401K, Roth IRA, etc… Sooo I just decided to calculate all my cash, savings, and investments while I was at it. Here’s a quick break down of my assets and liabilities. This is just an estimate, as the end of the month is still a bit aways.
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Although others in my age group may have a lot more assets (Go them! Ya’ll are rocking’ it and giving me hope, motivation and inspiration!), I’m proud of what I’ve been able to accumulate these last few years. To think, after I finished my DPT program, I wasn’t working yet, I only had about $3-4K in my bank account, no savings, AND I was in the negatives ($184.5K in debt). This is what I’ve been able to manage to grow while paying down my student loans aggressively. It is offset by the amount I owe in student loans… so it puts me at a negative over all. Buuuttt little by little I am getting closer to that $0.00 breakeven number. THREE MORE YEARS! THREE MORE YEARS! I have to keep telling myself this when I’m feeling defeated.
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Note: I also added ‘credit payment’ since, as of now, it is not paid for. As mentioned before, I put everything on a credit card (I get cash back, points, etc.) and pay it off completely at the end of the month. Since I technically haven’t paid it off, I included it in the debt portion. I’ll post my monthly expenses breakdown and remaining balance closer to the end of the week/month, once I calculate  and pay for everything. Stay tuned and happy start of the week!
Likes: 40
Posted at: 2019-07-22 03:46:58
Hey everyone! I’ve been M.I.A. lately and not able to post as much. Had work, traveled out of state for a wedding and was helping my mom by going over finances and budgeting this past week (glad she’s finally going to give this a shot!). Today, I’ve been tallying up how much I need to max out my investments, etc. (yup, did this for fun hahaha). Although I won’t be maxing out as of the next few years, I wanted to break down my 401K, Roth IRA, etc… Sooo I just decided to calculate all my cash, savings, and investments while I was at it. Here’s a quick break down of my assets and liabilities. This is just an estimate, as the end of the month is still a bit aways. . Although others in my age group may have a lot more assets (Go them! Ya’ll are rocking’ it and giving me hope, motivation and inspiration!), I’m proud of what I’ve been able to accumulate these last few years. To think, after I finished my DPT program, I wasn’t working yet, I only had about $3-4K in my bank account, no savings, AND I was in the negatives ($184.5K in debt). This is what I’ve been able to manage to grow while paying down my student loans aggressively. It is offset by the amount I owe in student loans… so it puts me at a negative over all. Buuuttt little by little I am getting closer to that $0.00 breakeven number. THREE MORE YEARS! THREE MORE YEARS! I have to keep telling myself this when I’m feeling defeated. . Note: I also added ‘credit payment’ since, as of now, it is not paid for. As mentioned before, I put everything on a credit card (I get cash back, points, etc.) and pay it off completely at the end of the month. Since I technically haven’t paid it off, I included it in the debt portion. I’ll post my monthly expenses breakdown and remaining balance closer to the end of the week/month, once I calculate and pay for everything. Stay tuned and happy start of the week!
debtfreelife My very realistic meal plan 😂

I forgot to pop meat out of the freezer for tonight, we haven’t been shopping since the beginning of the month, and we have family coming to stay this weekend, life is in full swing 😂
Likes: 27
Posted at: 2019-07-22 03:28:45
My very realistic meal plan 😂 I forgot to pop meat out of the freezer for tonight, we haven’t been shopping since the beginning of the month, and we have family coming to stay this weekend, life is in full swing 😂


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