debtfreelife instagram hashtags, hashtags meanings debtfreelife images, #debtfreelife tag pics
Posted at: 2019-12-11 14:30:13
So earlier this year we wrote a check for 21,800.67 to pay off the Jeep. We didn’t borrow this money, nor did we receive a settlement. The money came our bank account earned from hard work and strict budgeting ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
We don’t have kids yet and we were discussing our plans for when we became pregnant. We agreed on a goal to invest $30,000 in growth stock mutual funds for our kid before he / or she turned 1 years old ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
In doing so, if we get an 8% return on the $30,000 (in most cases average return). At the age of 24 (the average age that most people graduate) our kid will have $203,329.07 to start their young adult life 😳. That’s almost a quarter of a million dollars even if we never add a dime to the initial investment ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
So I posed the question, “with a great start like this does our kid even need to go to college”? Alicia responded “Absolutely”! The difference will be that we won’t be sending our kids to school to acquire skills to enter the work force to work as an employee (as we did). We will be sending them to school to acquire skills to manage what they already have. There is a big difference ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
It is amazing how your choice to live debt free can change the life’s of your family tree for generations to come. It’s truly humbling to know that because of our discipline we will be able to set up our future kids with choices and opportunities that we never had 🙏🏾 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Posted at: 2019-11-30 02:00:01
AWESOME story. Congratulations, you guys!
On October 16, 2019
30 months and 2 weeks
Here’s to many more adventures...
Livin’ a debt free life 🥳🙌🏽
We finally did it! $78,725.70 PAID OFF!
If you know us, my husband plans for our future and I’m the one that plans to do everything and anything right now. I wasn’t on board at first and then I saw how much more we can do for our future, for our family. Since the day we got married, we got serious on planning for our future - saying no and tackling all of our debts.
Between my husband and I, working 2 full time jobs, plus my husband working his side gig at McDonalds, living off of one paycheck, budgeting for every dollar, cutting down on going out to eat, meal prepping, canceled gym memberships & turned our garage into a gym (we budgeted for that), all bonuses went to paying off debt, canceled all cell phone insurance, bought-out our phones instead of leasing it, and canceled cable. You name it, we budget for it all - my husband currently in school for his MBA (cash flowing), our annual family vacation, and despite having to take a slight paused in our baby steps, as we welcomed the newest addition to our family. We live within our means and evicted Sallie Mae from our home at the same time!
Our end goal came down to crushing $39,147 in car loan, cutting up $12,232 in credit card debt (plasectomy 💳✂️), eliminating $8,573 in personal loan, and kicking Sallie Mae to the curb with a $18,746.70 student loan eliminated- NO MORE DEBT! On to Baby Step 3!
All thanks to @daveramsey and #financialpeaceuniversity
“Live like no one else today, so later you can live like no one else tomorrow.” Hoping to do our debt free scream live and in person on The Dave Ramsey Show!
Posted at: 2019-12-03 15:15:10
Louder for the people in the back! Stop getting one-time-use clothes!
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I keep seeing these ads all over the place for family Christmas PJs. You know the ones, they're super cute looking and the family all looks so happy and not at all chaotic and stressed and you're like "YES! THESE!"
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And next thing you know you've spent $100 getting 4 sets of PJs that say something ridiculous like "best Christmas ever" on them... and ya know what happens? You never wear them again. Or worse! You lose them before Christmas morning and you don't even have them for the cliche Christmas morning picture.
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Shots fired, y'all. But we're going there! Just STOP IT! If you want to get your kids Christmas PJs, get plain ol' plaid ones that they can wear all year. But for the love of all that's good and holy...
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STOP BREAKING THE BUDGET ON ONE-TIME THINGS TO LOOK CUTE ON INSTAGRAM.
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Get your whole family a membership to the local zoo or aquarium (even if it's a smaller zoo or something like that, it's a blast) for the whole year instead. (Or you could get PJs for everyone for the next year that are normal!)
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Do something BETTER than one-day-$25 PJs.
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Ok, I'll hop off my soapbox. 😘 We cool? Ok good.
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Talkin' to you, @inspiredbudget 😘🤣 Hope you got the kids some PJs they'll wear more than once!🤣
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Have you ever done matching Christmas PJs for your family?
Let me know in the comments! 👇👇👇
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#debtfreeliving #debtfree #debtfreejourney #debtfreecommunity #debtfreelife #frugal#frugalliving #savingmoney #money#saving#frugallife #momlife#finance#debtfreelife #debtisdumb #debt#smartmoney#money#saving#frugallife #budget#budgeting #christmasmorning #kids#daveramsey#shopping#pjs#christmas#christmaspjs
4 tips to make your time worth the money 💰
As I shared yesterday, I'm sourcing in Chicago and I had an EPIC thrift haul! (Working on a video to share with you all). It was my first time sourcing in the Midwest and I have very limited time, so I have to be as efficient as possible at the thrifts. I am constantly analyzing my profits and losses in my business in order to ensure everything is healthy. 📈
One area, however, that can be a little sneakier to track is the cost of my time spent. Especially since sourcing is so fun for me! However, unless I am intentional and measure and track and improve this area, I risk wasting more time than needed. TIME > MONEY ⏰>💰
I've been working on systems and processes to get more efficient to maximize my time and therefore profits. Speaking of, check out my last post to see how I got $100 off my total goodwill purchase! 🤑
Here are some ways I try to be more efficient while sourcing, especially while traveling:
💫I put a timer on my watch and I try to stay within 20 minute increments in different sections of the thrift store
💫Visit highest profit margin sections first (for me that would be shoes, jackets, dresses and denim)
💫Sort items into 3 piles
➡️ items that are damaged or too worn-to be put back
➡️ items I know will sell and the price is right- take off hangers and put immediately into cart ☺️
➡️ items I’m not too familiar with, may need further research - check recent completed sales of similar items
💫Be okay walking away knowing you may have left some treasures
So many of us have limited time to source due to schedules and busy lives so I'm hoping these tips can be helpful for you! 🤗
❓What're some of your BEST time saving tips?❓
No “What Sold” video since I was on vacation. But here is what sold “while” I was on Vacation. Happy Sales to you all! .
These are brands that historically have sold well for me too! Bolo! .
❓Have you done well with any of these?❓
Going to get back in the saddle and start filming some more YouTube videos shortly! ❤️ .
#poshmark#poshmarkseller #ebay#ebayseller #reseller#resellerlife #mercariseller #mercari
🐶 Maggie’s first Christmas! Baby dog got to meet Santa today at an A&M Christmas event for which Jacob agreed to wear our matching Christmas pjs to 👩❤️👨 (which I consider straight proof he loves me). You know I love a free event and when I saw that dogs were allowed and there would be photos with Santa, I saw a great “Christmas card” style opportunity for a cute family holiday pic! I think it came out great- and the pro pics will come out right before the holiday so forgive a potential repost ❤️ The only thing missing was Rory, who no longer really enjoys public events with other dogs, so she stayed home.
Maggie was enough to deal with, she borked at everyone but Santa - Jacob thinks the little dress we put on her gave her an over abundance of confidence 😂
What are your favorite free holiday activities? 🎄🤶🏻🎅🏼
Posted at: 2019-12-12 23:51:32
It was super frustrating to have to put the breaks on my workout program to give this back some time to settle down. But after I got past feeling sorry for myself (yes, you’re allowed a bit of self pity...just don’t let it last too long 😉) and realized that this would give me an opportunity to just slow down and enjoy movement, it’s actually been really nice 👍🏼 And bonus - I do believe my back is appreciating the kindness I’m showing it 💕
Don’t move because you HAVE to - do it because you GET to. That simple shift in perspective can change so much! 🥰
the 1 thing you should be doing right now to get a grip on your money 👇🏼
wait let me ask a question first.. 💭
do you know how much money you are spending monthly & on what? 💸
how much on avg. do you spend on groceries? 🍎
how about monthly subscriptions? 📱
what about on shopping? 🛍
if you aren’t not aware of your spending habits, this has gotta change!
There are so many free and easy resources at our fingertips! 🙈
The apps Mint or EveryDollar (my fav) are free to download & so user friendly
being aware of your habits it the first step you can take to having more control of your money 💪🏼
without this we are just mindlessly wandering through the weeks, months & years! 🔄
Here’s how I do it:
1. I downloaded EveryDollar app for free
2. I created customized “buckets” in the app that apply to my life / spending
3. Every time I swipe or spend, I track that expense and assign it to a bucket
4. At the end of the month I can see EXACTLY where all my money went
this is literally SO simple & a real game changer... after tracking and awareness we can move on to setting up a budget that fits your lifestyle and allows you to achieve the goals you desire!
but first? Just start simple, & track.
Do you use any financially literacy apps? Share your favorites below!👇🏼
I started this account back in August when I discovered the #debtfreecommunity. I hoped it would keep me accountable...and it did...until it didn’t.
We were literally halfway done with #babystep1 and then we lost momentum. Heck, I even managed to pay off 1 of my credit cards! (That’s right, screw you Victoria Secret!) Everything I had learned and watched on YouTube videos got thrown out the window. It was my own fault. I’m ashamed but here I am, starting over from scratch. This time around I REFUSE to fail. I haven’t written down the exact numbers yet but we are about $85,000 in debt.
Although I’m TERRIFIED of looking at all the statements on everything we owe on, I know this is what me and A need. We need a reality check. I was going to wait until January to start on this journey for the second time but why wait? Payments don’t wait. Interest doesn’t wait and neither will we. The quicker we can complete #BS1, the quicker we start attacking our pile of debt. I’m more motivated and determined than ever. With that being said,
LET’S FUCKING DO THIS.
#debtfree#debtfreecommunity #debtfreejourney #debtfreegoals #daveramseybabysteps#daveramseybabysteps#babystep1#bs1#debtfreelife #debtfreeliving
Frugal Win!!! I found 2 good condition Malm Ikea nightstands for FREE on craigslist. They had tons of stickers stuck to them and it took some real patience and elbow grease to clean them up but it was worth it. Swipe to see the before
Most of our furniture is second hand. Actually ALL (but 2 pieces) of our furniture is second hand😂😂 Finding furniture new-to-us helps keep from adding more debt to our mountain. Very thankful for all my thrifty scores!
Posted at: 2019-12-12 22:11:46
QUICK!💄There's a #CharlotteTilbury £10 off code if you're on O2 Priority! 💄I've just ordered a sample size miracle glow plus two FREE samples and just paid delivery! 💄🤩👍🏻
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Posted at: 2019-12-12 20:44:08
🎄Christmas is such a joyous occasion full of warmth and giving, that it is easy to get carried away.🎁
By the time January arrives, to avoid having empty bank accounts and dreaded credit card bills, make sure you create a Christmas budget and stick to it!🙌🏾
Leave a comment below sharing what you are doing to stick to your Christmas budget?
Posted at: 2019-12-12 20:39:35
Hi 😄 I'm Nicole, wife of 11 yrs and mom to 3 rascals. Welcome to our debt free adventure.
Today is the day husband and I have committed to changing our family tree (love @daveramsey ). We have big dreams and are tired of the struggle living paycheck to paycheck. I've watched so many in the #debtfreecommunity kill it on their journeys and we are finally ready to jump in and give it our all.
I have a bit of a problem not committing to my dreams and plans so I'm hoping creating a DF account will keep me engaged in the journey and accountable.
I will be sharing some fairly amateur content on momming, frugal life, budget stuff and our daily ins and outs. Hope you stick around! ✌✌
YES Yes yessss, @alexhartsuff. I will not let my life be compromised by technology addiction. Within the past few weeks, I have: removed apps from my phone, set stricter time limits, set reminders on Instagram, and most effectively, I’ve moved my phone across the room at night so I don’t lay in bed scrolling for an hour before sleep or before getting to it in the morning. What a waste that time was! .
Be intentional. Live intentional. I’m all for self-care, but please don’t be limited by laziness. ❤️❤️❤️
(I was inspired by the fabulous @elliemondelli to do this image)
Thought I’d share a bit about us today:
Early in our marriage we both worked full time, but knew we’d like one of us to eventually stay home with our 𝘧𝘶𝘵𝘶𝘳𝘦 kids if possible. With that goal in mind, we started working our butts off to pay off our consumer debt & then cash flow my husband’s BA degree.
During that time we became pregnant with our 1st kiddo.
She was born and her first few years, we kept working. My job was very tiring & stressful, and my husband was working & going to school full time. Not gonna lie, those years were the hardest years thus far, but we knew it would end & be worth it 🙏🏻
Our daughter was 3, and our son was born the spring that my husband finished school (so freaking happy). It would be tighter and an adjustment losing my income, but I was finally able to stay home with our kids.
My husband has been with the same company since graduating college (15 years), & so his pay has slowly increased over that time.
We’ve learned so much about who we really are over these years, and what WE really want for our fam & future.
Two years ago, we made the decision to buy this modest 1960’s house & 𝐥𝐢𝐯𝐞 𝐚𝐬 𝐢𝐟 𝐰𝐞’𝐫𝐞 𝐨𝐧 𝐚 𝐬𝐢𝐧𝐠𝐥𝐞 𝐢𝐧𝐜𝐨𝐦𝐞 𝐭𝐡𝐚𝐭 𝐢𝐬 𝐚𝐬 𝐥𝐨𝐰 𝐚𝐬 𝐦𝐲 𝐡𝐮𝐬𝐛𝐚𝐧𝐝’𝐬 𝐞𝐧𝐭𝐫𝐲 𝐥𝐞𝐯𝐞𝐥 𝐢𝐧𝐜𝐨𝐦𝐞 𝐰𝐚𝐬 𝟏𝟓 𝐲𝐞𝐚𝐫𝐬 𝐚𝐠𝐨.
Here’s where MY current income comes in.
Last year, I was looking for something to help us reach our goal even faster & stumbled on my current work from home teaching job. I didn’t need a degree specifically related to the field or experience. It has been such a blessing!
As you can see in the pic, EVERY cent I make gets thrown at the mortgage. My paychecks are helping us pay it off another 1.5 years sooner than we would otherwise 👏🏻
If you're thinking of buying a house while you are $25k or greater in credit card debts, personal loan debt, have collection accounts, or medical bills...
Think twice before you do! Adding another large expensive monthly bill aka mortgage payment to your overall stressed budget, will cause you tremendous personal & financial stress that will eventually break you, both personally & financially.
I see so many people that buy homes, to only lose them to foreclosure, or end up in divorce, and most times it's both!
So be careful when you decide to buy a house, get rid of your old debt, like credit cards, personal loan, collection accounts, medical bills that you have, before chasing to buy a house.
Buying a house while your already in deep debt, makes no sense, and it's not worth throwing your life away for it. .
#mortgage#home#house#homeloan #debt#whatsamortgage#debtconsolidation #debtfreecommunity #debtisdumb #debtfreelife
Posted at: 2019-12-12 18:17:42
Emergency Funds — Most experts will tell you that you should have at least 3 - 6 months of your monthly expenses in an emergency fund. According to Dave Ramsey I believe he says you should have $1,000 until you pay off your debt. So what is the correct amount? That it a decision you have to come to on your own.
It depends on your lifestyle and the stability of your employment. Are you renting or do you have a mortgage? I personally currently have about $1,200 in an emergency savings account that I plan on increasing eventually but it is not a top priority for me at the moment.
I am so grateful for my emergency savings though because guess what happened last night. I freaking hit a deer or rather the deer hit me. Man oh man after my initial shock and reassuring myself (really my boyfriend keeping me calm on the phone) I was so happy to realize that I could afford the $500 deductible that my insurance would require for me to be able to get my car fixed. All because of my emergency savings.
I use Vio Bank to house my emergency savings. They currently offer a 2.02% interest rate on their savings accounts. When I opened mine up it was 2.5% but it’s declining over time.
Do you have an emergency savings account? How much do you keep in it? What bank and what is the interest rate? .
#fckdebt#BrokeMelannial#debtfreelife#debtfreecommunity#savingmoney#moneygoals#debtfreegoals#personalfinance#finlit#debtfreejourney#debtfreelife # #roadtodebtfreedom#DFC#melaninmoneytalk#viobank#emergencyfund#emergencysavingsaccount#onlinebanks
Posted at: 2019-12-12 18:05:00
There are some pretty massive goals we smashed this year, and its encouraging looking at ways they came to fruition.
There's also plenty of areas I missed the mark or didn't get to in the way I intended. And then, there's the "different path" spaces. The ones I never expected or planned for, but leaned into nonetheless when life happened or I felt called.
Spaces that challenged and grew me, while others led me to new opportunities or deeper purpose. It's always interesting to me to see the ways God works in my life -- and in looking forward to a new year I'm feeling much is still in store.
As I'm carving out what I'd like to put more (and less) energy into in 2020, I'd love to hear
how I can continue to serve y'all in this space!
What would you love to see?!?
Posted at: 2019-12-12 18:00:04
Do you smell that? ‘Tis nearly tax return time!🤸🏾♂️💸
DO NOT look at that deposit as a way to live your best life for a week and then wind up back in the same position you were in before. Maximize your return by setting your future self up for success. Push past the need for instant gratification and focus on those #goals.
For years, I have given up most of my returns to pay off debt and pay up bills. I know I wouldn’t have been able to do as much as I did if I hadn’t used them to my advantage! This year will probably be my last getting anything back, but I did what I had to do and now I stand on solid ground.
Use a free online tax return calculator to estimate your refund, whip out pen & paper, and get to planning!
Our fixed monthly expenses for (most of) 2020! 💵
2020 is bringing major life changes for us - we’re getting married in Q1, 👩🏼🎓 is graduating from law school in Q2 and starting a great job in the fall in Q3, and we’re moving out of Chicago to a slightly lower cost-of-living city in the Midwest in Q3. Although our financial situation will change enormously as a result, these are our FIXED expenses for the first ~3 quarters of the year ($2304/month).
Shortly after we get married, we will also add DEBT PAYMENTS to this list 🙃 It’s entirely law school debt and will total >$65,000.
What changes to your FIXED expenses do you anticipate this year?
Taking the bus when it's wet sucks but for the sake of my mental health, I must bc Bay Area traffic suuuuuucks and driving to and from work last week got me messed up.
I keep thinking I need to upgrade my rain boots...I make "grown-up money" and I deserve it. I deserve to be comfortable when the weather sucks, so my feet aren't cold and I'm miserable on this long journey.
But I hate shopping...haaaaate shopping for clothes and shoes. And these pair still do a pretty good job.
Plus, I got these online from Target for $15 when I lived in Hilo 14 years ago (starving student status!), so they hold some sentimental value.
I have this mentality about so many things in my life, and hubs and I are pretty frugal by nature, which makes this #financialindependence journey pretty easy. (The waiting is the hard part.)
We mostly live like we did in college but with a few more nice vacations and some fancier dinners sprinkled in there. It's why we've lived in the same apartment for almost 10 years and kept our cars after they were paid off.
I'm glad for the rain, but what I want more than new rain boots is for it to be tank top weather again. (I know I'm spoiled...😌)
Actually, I can't wait till we get to be in tank top weather ALL THE TIME!!!!
Cheers! Happy Thursday!
#budgetlife#commuterlife#debtfreelife #debtfreeaf #debtfree#financialindependence#frugalaf#arewethereyet
Yesterday we took a day-trip to Sintra. This is a short train ride from Lisbon, which I recommend if you're visiting Portugal. ✨
We #saveduppaidcash for this trip and sightseeing was at the top of your itinerary. Traveling doesn't have to be expensive. One of the best ways to save money is to decide which type of trip you want to have. This means, do you want to prioritize sightseeing, food, shopping, relaxation, or tours? ✨
When traveling to a new destination, we like to try and see as much of the top attractions as we can. That's why I like to purchase a tourism pass, if available. We found the Lisboa Card very helpful. Although it doesn't include attractions for Sintra. ✨
We have been trying to cut back on food costs by choosing affordable restaurants. Fortunately, Lisbon is not expensive for dining out, which has been great. We like to bring good granola bars with us when traveling so we can eat something on-the-go for breakfast. Or make something at our Airbnb accommodation. We always use Airbnb when traveling to Europe. It's such a fun way to experience the city like a local and get tips from our host. ✨
Have you been wanting to travel more? What is your favorite type of trip? Sightseeing or relaxation?
Posted at: 2019-12-12 15:56:46
1. It’s okay if your kids don’t get everything they ask for.
2. Material things will never be able to take the place of your focused presence.
3. Blessings do not have debt attached to them.
Posted at: 2019-12-12 15:55:32
Posted at: 2019-12-12 15:45:18
Raising two young, growing girls can make any parent's budget tight. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Not to mention, saving money is no simple task. Between bills, enjoying activities with your kids and those unavoidable expenses that surprise you out of the blue, you may not have much meat left on the bone at the end of the month. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Even if you fully understand the importance of stashing away cash for future goals or a rainy day, building a robust savings account is easier said than done. At the end of the day though, my girls still need new clothes to fit their growing little bodies and I'm not sure if you looked online lately, but kids' clothes aren't getting cheaper. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I save my money on clothing by shopping around online and utilizing the @honey app. The chrome extension always finds a way to save me more money on products and help me identify when I can save the most. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Have you tried using Honey before?⠀⠀⠀⠀⠀⠀⠀⠀⠀
#honeyapp #honey#savingmoney#kidsclothes#blogginggals#momminsohard#mommingainteasy ⠀⠀⠀⠀⠀⠀⠀⠀⠀
You aren't cursed to struggle with money. Just because your parents struggled, doesn't mean you have to, too.
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True story: my parents are both in their 60s. And neither of them have any retirement money. Neither of them have savings. They've both filed for bankruptcy. They both have credit card debt. They're both still making BAD financial decisions.
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But that doesn't mean that I'm doomed to follow the same path they've taken!
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My brother and I are thriving. No, not because we were handed anything. I was a teen mom and my brother took a traveling salesman job out of college that paid OK, but he had to live out of hotels for 3 years.
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But neither of us have credit card debt. Both of us have savings and investments. And both of us know that we don't want to end up like our parents.
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We could have fallen into the "well, I guess credit cards and not saving for retirement are the only ways to go" route in life, but we didn't.
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Sadly, our parents have irrevocably messed up their financial lives. But that doesn't mean that we're doomed to the same misery.
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Just because your parents struggled and made you think that this was how life was, doesn't mean that you have to stay stuck like that.
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Listen to me – print this out and repeat it over and over again if you need to – I AM NOT MY MOM OR DAD. MY FINANCIAL LIFE IS GOING TO BE AMAZING NO MATTER HOW I GREW UP.
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Ya hear me?
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What curse from your parents are you breaking with your money?
Let me know in the comments! 👇👇👇
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#debtfreeliving #debtfree #debtfreejourney #debtfreecommunity #debtfreelife #frugal#frugalliving #savingmoney #money#saving#frugallife #momlife#finance#debtfreelife #debtisdumb #debt#smartmoney#personalfinance#saving#womeninbiz#budget#budgeting #babystep2#daveramseyplan #daveramsey#quote#motivation#moneytruth #truth#empoweredwomen
🎄🤩 Absolute game changer! A new Christmas must have! 🎄🤩
I think I grabbed this for only £1.50 in Tesco? But I have seen them for only £1 in The Range 👍🏻
I just used it neat (couple dabs) on a wet cloth to clean the door handles, light switches and radiators 👍🏻
Happy Friday Jr.!😃 Today is my second payday of the month, and as always, my paycheck was direct deposited into our online savings account. My husband and I have brought home $3,404.31 so far this month and have saved $2,118.96 of that.🏘
Posted at: 2019-12-12 13:28:47
I received a small bonus this morning from my weekend side gig, so I put $100 right into my emergency fund 🤸🏾♀️.
Posted at: 2019-12-12 13:25:31
#Tbt one of my biggest accomplishments is not only getting debt free at 25 but helping others get there. That’s how you really make an impact. Be the change you want to see they say... so I am.
Debt Free at 25... When I think about this, it's hard to believe, and I actually lived it. To think that at such a young age took care of all my debt has allowed me to really live this life of empowering others. Who would have thought that a kid from Atlanta, GA, and parents who are immigrants would be able to have such an impact? The same kid that almost failed 12th grade English who has published a 5 star rated book. All of this took place because I made ONE decision to stop living check to check and eliminate debt my life. What you see today is the result of that choice.
Enough about me, though. When are you going to make a choice for your life? When are you going to get your finances in order so you can do the unimaginable? When are you going to get out of debt so you can allow your full potential to be fulfilled? When you are going to do what is necessary to change your family tree forever and allow yourself to prosper? When are you going to stop making excuses?
You don't know what life has in stored for you if you just got out from financial slavery.
It all starts with one CHOICE! The choice to not be a slave to the lender. The CHOICE to be in control. The Choice to dominate financially. The CHOICE to give your future a chance to thrive beyond your wildest imagination.
Let one thing be clear. Not making a choice is a choice. You can choose to have things continue the same way, or you can choose to have different results. You are the captain of your fate and the master of your soul.
Thank you all for following this page and for your support in every post. The movement for financial liberation is real. Let's continue to build.
Need help shifting your mindset or getting your finances in order. DM me about my coaching services. I’m taking on a few more clients for 2020 #paychecks2power
Posted at: 2019-12-12 13:07:46
👍🏻£2.15 for the lot!👍🏻
🤩Purchased at @sainsburys via @greenjinnapp cashback 🤩 full details in my story, but basically everything was free apart from the gelato 💙
Posted at: 2019-12-12 13:00:31
“Be unapologetic in fighting for what you deserve"
Ladies you can have a family and grow your career at the same time.
You don't feel that you have to choose one or the other.
Also, If you want to lead a rich & happy life, feel free to reach us out!
Posted at: 2019-12-12 12:50:40
Some time around 9pm last night we transferred $1,000 into our Ally savings account. We have officially reached 60% saved of our goal. If you look closely you'll notice that our Ally savings account is nicknamed "Home Downpayment." That isn't in error. Once we complete our goal of $10,000, we will be taking advantage of Ally's interest rate to save our down payment on our first home.
I have learned MANY lessons on my #debtfreejourney and through being a part of this amazing community.
One lesson is we ALL make mistakes and that is perfectly ok. No one is perfect. We are all learning my trial and error as we go.
Gratitude for everything you have is key. You may come online and see someone else highlight reel and just *wish* you had their life, whether it be a beautiful home, vacations, debt freedom, large monthly debt payments, children, etc. But you know what? Someone else out there could be looking at you just *wishing* they have all that you have. Be grateful for the blessings in your life.
Being intentional each day helps you stay focused on short and long term goals. Especially on a #DFJ you would be amazed how much money can be mindlessly spent.
One smile can change your entire day. It can change someone else’s.
5 deep breaths is long enough to let go of any anger, resentment, jealousy, etc. It is also enough to help you rethink an unnecessary or non-budgeted purchase.
What are some lessons you’ve learned on you journey to debt freedom? What are things you do daily to stay focused on your journey? Comment and share below!!
Are you overspending on food?
Well you are certainly 𝐍𝐎𝐓 alone! This is the #1 category that families that I work with tend to overspend on. It is the biggest thief of extra money that you could be utilizing elsewhere (ehem... getting your debt payoff moving faster).
So how do we not overspend when it seems like we are ALWAYS at the grocery store or eating out. Here are a couple things that I have found to help families reign in their spending on food:
1️⃣. Meal Plan - I know that sounds daunting, but it can be a quick list that you make on Sunday that will give you ideas for meals so that you don't feel the urge to pick up fast food instead. Which brings me to my next point...
2️⃣. Drastically reduce eating out - I get it! This is hard when you are constantly going to baseball games, picking up kids, running errands, and the list goes on. But guys... for a family of four at ChickFila I spent $35. THIRTY-FIVE DOLLARS. Can you imagine what $35 could have got me at a grocery store?
3️⃣. Make a list for the grocery store - If you go into a store without a list, you can easily DOUBLE the amount of money that you would have spent. Make a list of what you need and stick to it. If you are the type that can't go through the store without picking up extra, consider shopping services. For a minimal fee, the store will shop for you and deliver it to your car. That minimal fee will pale in comparison to the money you would have spent on extra items.
This money drain category is essential for you to inventory and get a hold of if you want to make progress in your budget and on your financial goals.
What other areas do you feel you might be overspending on?
#itspossible#selfempowerment#inspiredbudget#budget#budgeting #budgetfriendly #debtfree#debtfreecommunity #debtfreejourney #debtfreedom #debtfreeliving #debtfreelife #money#savemoney#mealplanning#moneysaver #savings#financialpeace#financialfreedom#financialindependence#moneycoach #moneywisdom #personalfinance#moneyexpert #financialcoach#shopsmart#reduceeatingout
Posted at: 2019-12-12 11:54:52
While we were in Mexico last week, Tate was asked how he felt about me being home with the kids and working my coaching business instead of working full time as a CPA.
His response was he was super grateful. Life was stressful as 2 working parents. I am sure many of you can relate. The biggest thing he has found to be a blessing is we no longer argue who has to stay home with a sick kid. We would both defend our jobs and that we HAD to work due to client meetings, appointments and quotas to meet. It was not fun conversations about whose career was 'more important'.
Debt freedom and coaching together has given us options and flexibility. Both journey's haven't been smooth sailing and sacrifices most definitely had to be made, but at the end of the day...it's been 100% worth it because we know both have brought us to this moment today.
When there is a sick kid, we no longer question who is staying home and we don't feel a need to RUSH to the doctor. We have time now. Time to snuggle and cuddle. Time to really understand what our child needs to heal. Time to soak in more of these moments I was missing so much.
My friend, you can have that time too. You are not stuck and you can DO MORE. "God absolutely loves to take ordinary people and do extraordinary things in them, through them and with them." - Lysa Terkeurst.
It is NEVER too late to start something new and chase after your dreams and vision for your life. It won't fall in your lap and happen by 'chance', you have to work for it and take action. My biggest piece of advice is to do something today that will get you closer and that your future self will thank you for!