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We had a plasectomy at Financial Peace University today 💳➡✂! Did y'all know the credit card debt in the U.S. is now a record $930 Billion😲?!?! The total household debt is also at a record $14.15 Trillion. These newly released statistics makes me EXTREMELY happy that this participant cut up 4 credit cards🥳. #debtfreecommunity #debtfreejourney #changingthenarrative #fpu #financialpeaceuniversity #plasectomy
#personalfinance #debtsnowball #budget #financialpeace #debtfreemindset #debtpayoff  #daveramsey
We had a plasectomy at Financial Peace University today 💳➡✂! Did y'all know the credit card debt in the U.S. is now a record $930 Billion😲?!?! The total household debt is also at a record $14.15 Trillion. These newly released statistics makes me EXTREMELY happy that this participant cut up 4 credit cards🥳. #debtfreecommunity #debtfreejourney #changingthenarrative #fpu #financialpeaceuniversity #plasectomy #personalfinance #debtsnowball #budget #financialpeace #debtfreemindset #debtpayoff #daveramsey
America Saves Week 2020 continues with today’s focus on #Save4Retirement! ⁠
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It's easy to put off saving for retirement to focus on present needs and expenses. Very few Americans have a plan for retirement savings - let alone an adequate plan to support their desired standard of living after retirement.😩⁠
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Getting a late start with your retirement fund doesn’t exclude you from participation, but may require a little extra to enjoy the retirement of your dreams.❕⁠
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If your retirement savings need a boost, check out our blog for some helpful reminders! Find this photo in our #LinkInBio to read!⁠
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#ASW2020 #Save4Retirement #MySSA⁠⁠ #wealth #finance #debt #budget #goals #financialintentionality #save #investments #financialindependence #daveramsey #personalfinance #independentliving #imdoingthis #altana #altanacares #creditunion #camping #hiking #outdoors #glamping #woodsman #campvibes #montana #montanamoment #visitbillings
America Saves Week 2020 continues with today’s focus on #Save4Retirement! ⁠ .⁠ It's easy to put off saving for retirement to focus on present needs and expenses. Very few Americans have a plan for retirement savings - let alone an adequate plan to support their desired standard of living after retirement.😩⁠ .⁠ Getting a late start with your retirement fund doesn’t exclude you from participation, but may require a little extra to enjoy the retirement of your dreams.❕⁠ .⁠ If your retirement savings need a boost, check out our blog for some helpful reminders! Find this photo in our #LinkInBio to read!⁠ .⁠ .⁠ .⁠ .⁠ .⁠ .⁠ #ASW2020 #Save4Retirement #MySSA⁠⁠ #wealth #finance #debt #budget #goals #financialintentionality #save #investments #financialindependence #daveramsey #personalfinance #independentliving #imdoingthis #altana #altanacares #creditunion #camping #hiking #outdoors #glamping #woodsman #campvibes #montana #montanamoment #visitbillings
Since I’m waiting for my AES loan payment to still post to my checking account, I’m calculating that next month. We didn’t plan on getting our tax refund back so fast so we are saving everything and using it toward the March budget.

I decided to close up my payments for February what has already cleared. And I’m so ecstatic we will less than $70,000 this year :)! Yasssss
Since I’m waiting for my AES loan payment to still post to my checking account, I’m calculating that next month. We didn’t plan on getting our tax refund back so fast so we are saving everything and using it toward the March budget. I decided to close up my payments for February what has already cleared. And I’m so ecstatic we will less than $70,000 this year :)! Yasssss
My goal for February is to finish the nursery and get all the “essential” baby items. ⁠
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All the big items have been purchased - crib, dresser, closet storage, glider chair, stroller, decorations, etc. Sneak peek in the background! 😉⁠
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So how much have we spent so far? It’s between $2,500-$3,000. I wish I kept track of all our purchases. Those small items add up here and there! ⁠
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I don’t think that’s too bad considering all the big items we got! And yes, I know. “Babies can be cheaper” blah blah blah. Feel free to leave those comments out! 😂 Let us enjoy our debt freedom and new baby, please and thank you. ⁠
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We’re hanging up decorations this weekend and then I’ll be ready to reveal the nursery! Are you interested in a nursery tour? ⁠
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My goal for February is to finish the nursery and get all the “essential” baby items. ⁠ ⁠ All the big items have been purchased - crib, dresser, closet storage, glider chair, stroller, decorations, etc. Sneak peek in the background! 😉⁠ ⁠ So how much have we spent so far? It’s between $2,500-$3,000. I wish I kept track of all our purchases. Those small items add up here and there! ⁠ ⁠ I don’t think that’s too bad considering all the big items we got! And yes, I know. “Babies can be cheaper” blah blah blah. Feel free to leave those comments out! 😂 Let us enjoy our debt freedom and new baby, please and thank you. ⁠ ⁠ We’re hanging up decorations this weekend and then I’ll be ready to reveal the nursery! Are you interested in a nursery tour? ⁠ ⁠
Today I closed out my February budget! This month I tested my greatest strengths! I made sure every dollar I received had a purpose! I broke a milestone for myself. I would’ve never thought I could hold on to $20 much less $1000!!!!!!! Envelopes 1-40 are officially stuffed! I am 10 envelopes away from being halfway done the challenge! I’m super excited for next month and the entire year! Never give up it gets easier!!!!!! #debtfree #debtfree2020 #debtfreecommunity #snowballmethod #daveramsey #envelopechallenge #5dollarchallenge #thebudgetmom #thebudgetsistas #savings #financialfreedom #financialfreedom2020 #changechallenge #52weekchallenge #budget #budgeting #cashenvelopes #debtfreejourney #debtfreegoals #savemoney #savings #saving2020 #money #moneychallenge #livingdebtfree 
#savemoney2020 #financiallyfree #financialfun #easylife #debtfreelife #100envelopechallenge
Today I closed out my February budget! This month I tested my greatest strengths! I made sure every dollar I received had a purpose! I broke a milestone for myself. I would’ve never thought I could hold on to $20 much less $1000!!!!!!! Envelopes 1-40 are officially stuffed! I am 10 envelopes away from being halfway done the challenge! I’m super excited for next month and the entire year! Never give up it gets easier!!!!!! #debtfree #debtfree2020 #debtfreecommunity #snowballmethod #daveramsey #envelopechallenge #5dollarchallenge #thebudgetmom #thebudgetsistas #savings #financialfreedom #financialfreedom2020 #changechallenge #52weekchallenge #budget #budgeting #cashenvelopes #debtfreejourney #debtfreegoals #savemoney #savings #saving2020 #money #moneychallenge #livingdebtfree #savemoney2020 #financiallyfree #financialfun #easylife #debtfreelife #100envelopechallenge
This picture means a whole lot to me .
I have many more like it , nothing makes my heart swell like pictures of my husband making our home our home with a tiny child in tow .

Let me explain; eleven years ago we were SURPRISE pregnant. I finished getting my associates degree so we bought, gutted and moved into a hundred year old house. Four years later I was pregnant a fifth time , we sold , donated and tossed seventy five percent of everything we owned, drove twelve hours to be homeless for a bit (really that meant living in an attic for a time ) we rented another short time , then moved into our dream house. 
Here we are three children more , we have six earth side 😊 And nothing stopped my husband from working full time , enroll in school , then work at two professions for a short time before transferring to working from home completely.

And we still have all our children; we are still doing life while achieving the blessing of making some dreams come true .

It feels GOOD to be almost debt free and to have some prayers answered.

But this still took time , it took a lot of effort ,a lot of heart struggles to rid ourselves of wants (idols) and to turn into God’s plan and way of achievement over what we thought was the way to go .

When we move forward we cannot forget what we are taking along the way. We can’t forget that we must still love our neighbors, serve our community and carry on with life . Too many times people have suggested that our little ones are a burden, but these little people have helped drive us on. They are the reason we have set goals and they’ve been the sole reason we want to strive for better, every single day.
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. #reno #minimalism #minimalistmotherhood #wildandfree #daddyshelper #frugalliving #documentaryphotography #daveramsey #truth #allthethings #blessed #thankful #goals #houserenovation #homedecor #mancrush
This picture means a whole lot to me . I have many more like it , nothing makes my heart swell like pictures of my husband making our home our home with a tiny child in tow . Let me explain; eleven years ago we were SURPRISE pregnant. I finished getting my associates degree so we bought, gutted and moved into a hundred year old house. Four years later I was pregnant a fifth time , we sold , donated and tossed seventy five percent of everything we owned, drove twelve hours to be homeless for a bit (really that meant living in an attic for a time ) we rented another short time , then moved into our dream house. Here we are three children more , we have six earth side 😊 And nothing stopped my husband from working full time , enroll in school , then work at two professions for a short time before transferring to working from home completely. And we still have all our children; we are still doing life while achieving the blessing of making some dreams come true . It feels GOOD to be almost debt free and to have some prayers answered. But this still took time , it took a lot of effort ,a lot of heart struggles to rid ourselves of wants (idols) and to turn into God’s plan and way of achievement over what we thought was the way to go . When we move forward we cannot forget what we are taking along the way. We can’t forget that we must still love our neighbors, serve our community and carry on with life . Too many times people have suggested that our little ones are a burden, but these little people have helped drive us on. They are the reason we have set goals and they’ve been the sole reason we want to strive for better, every single day. . . . . . #reno #minimalism #minimalistmotherhood #wildandfree #daddyshelper #frugalliving #documentaryphotography #daveramsey #truth #allthethings #blessed #thankful #goals #houserenovation #homedecor #mancrush
Absolutely loving our small group on Thursday nights❤️
#financialpeace #daveramsey #daveramseybabysteps #debtfreejourney #everydollar #debtfreecommunity #financialfreedom
🤯🤯🤯 Do I have to say anything else? 
It may be easier.

It may taste better.

It may be faster.

It is not cheaper.

Unless you are picking up a Little Caesars Hot n Ready for the Family every single night. 
Then the food is cheaper.

But the medical bills will be costly.
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#fpu #financialpeaceuniversity #financialpeace #daveramsey #daveramseybabysteps #budgeting #totalmoneymakeover #datenight #debtfreecommunity #debtfreejourney #debtsnowball #babystep2 #budget #budgeting #budgetfriendly #debtsnowballcalculator #frugal #contentment #financialfreedom #easybudget #studentloans #debtpayoff #budgetlife #personalfinance #financialindependence
🤯🤯🤯 Do I have to say anything else? It may be easier. It may taste better. It may be faster. It is not cheaper. Unless you are picking up a Little Caesars Hot n Ready for the Family every single night. Then the food is cheaper. But the medical bills will be costly. . . . . #fpu #financialpeaceuniversity #financialpeace #daveramsey #daveramseybabysteps #budgeting #totalmoneymakeover #datenight #debtfreecommunity #debtfreejourney #debtsnowball #babystep2 #budget #budgeting #budgetfriendly #debtsnowballcalculator #frugal #contentment #financialfreedom #easybudget #studentloans #debtpayoff #budgetlife #personalfinance #financialindependence
I finally have my numbers together to share! In February we paid off our PayPal card and made a huge payment of $480.00 on Nelnet B (in addition to the minimum payment)! I am actually really happy with this progress! We have been working so hard and are finally feeling some movement in our snowball!
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We have reduced our debt by $15,903.23!  It was such a huge goal for us to pay off $15K and we are already moving toward $20k! We have a huge goal of paying off Nelnet B by 4/1 and to do it without using our tax return money! We will be hustling our way through March! •
I also just need to point out that we are so close to being under 90k! This journey is far from over but I am so proud of us! We are working together as a team, we negotiate and compromise over huge financial decisions and little ones, and we both are in the grind to make this happen! We both are working 2 jobs and relying on each other to make life work while we hustle! •
I welcome March with open arms! I am looking forward to the nice weather and cannot wait to see the progress we make in March! •
Happy Thursday 😘
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#debtfreecommunity #debtfreejourney #debtfreeby2022 #daveramsey #babysteps #babystep1done #babystep2 #debtisdumb #progressnotperfection #marriagegoals #everydollarbudget #budgeteverydamnday #financiallysavvymamas #mamastalkmoney
I finally have my numbers together to share! In February we paid off our PayPal card and made a huge payment of $480.00 on Nelnet B (in addition to the minimum payment)! I am actually really happy with this progress! We have been working so hard and are finally feeling some movement in our snowball! • We have reduced our debt by $15,903.23! It was such a huge goal for us to pay off $15K and we are already moving toward $20k! We have a huge goal of paying off Nelnet B by 4/1 and to do it without using our tax return money! We will be hustling our way through March! • I also just need to point out that we are so close to being under 90k! This journey is far from over but I am so proud of us! We are working together as a team, we negotiate and compromise over huge financial decisions and little ones, and we both are in the grind to make this happen! We both are working 2 jobs and relying on each other to make life work while we hustle! • I welcome March with open arms! I am looking forward to the nice weather and cannot wait to see the progress we make in March! • Happy Thursday 😘 • • • • • #debtfreecommunity #debtfreejourney #debtfreeby2022 #daveramsey #babysteps #babystep1done #babystep2 #debtisdumb #progressnotperfection #marriagegoals #everydollarbudget #budgeteverydamnday #financiallysavvymamas #mamastalkmoney
*GULP* We did it. Our worst credit card is PAID OFF! Our @capitalone card payment was $299 a month. $171 of that was going toward interest. $171!!! No more!! 👏🏼
*GULP* We did it. Our worst credit card is PAID OFF! Our @capitalone card payment was $299 a month. $171 of that was going toward interest. $171!!! No more!! 👏🏼
The Coronavirus 😷 has investors spooked! Check out the recent drop in the S&P 500. So much scary red color!  But look at it another way and it’s green and way up from a year ago.  It’s all about perspective and context.  Same data, two different stories.  It might seem terrifying, but if you’re investing in your 401k or in the market directly, remember: you’re in it for the long term. Don’t let fear or excitement determine your investing strategy. As they say, “It’s about time in the market, not timing the market.” -
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#coronavirus #covid19 #sp500 #stockmarket #podcast #friendsonfire #financialindependence #minimalism #personalfinance #personalbudget #earlyretirement #fi #financialfreedom #frugalfriendsunite #firemovement #daveramsey #minimalism #debtsucks #trackyourspending #spendtracking #daveramsey #daveramseybabysteps #expensetracker #budgeting #401k #retirementplanning #retirementgoals #retirement
The Coronavirus 😷 has investors spooked! Check out the recent drop in the S&P 500. So much scary red color! But look at it another way and it’s green and way up from a year ago. It’s all about perspective and context. Same data, two different stories. It might seem terrifying, but if you’re investing in your 401k or in the market directly, remember: you’re in it for the long term. Don’t let fear or excitement determine your investing strategy. As they say, “It’s about time in the market, not timing the market.” - - - #coronavirus #covid19 #sp500 #stockmarket #podcast #friendsonfire #financialindependence #minimalism #personalfinance #personalbudget #earlyretirement #fi #financialfreedom #frugalfriendsunite #firemovement #daveramsey #minimalism #debtsucks #trackyourspending #spendtracking #daveramsey #daveramseybabysteps #expensetracker #budgeting #401k #retirementplanning #retirementgoals #retirement
Another credit card paid off this month!! Feels sooo good to feel like I’m actually making progress. My goal for this year is to budget every single one of my paychecks and to stay committed. That’s something I struggled with last year. My goal for March is to pay for everything with CASH only. No more debit card swiping because I feel like I spend the small buffer I leave on there every single time.
Another credit card paid off this month!! Feels sooo good to feel like I’m actually making progress. My goal for this year is to budget every single one of my paychecks and to stay committed. That’s something I struggled with last year. My goal for March is to pay for everything with CASH only. No more debit card swiping because I feel like I spend the small buffer I leave on there every single time.
Finally making time to celebrate our breaking below the $50k mark. Getting crazy tonight with 2 bottles of Aldi’s Winking Owl wine 😂 .
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#debt #debtfreejourney #debtfreecommunity #daveramsey #daveramseybabysteps #babysteps #babystep2 #budget #budgeting #money
Finally making time to celebrate our breaking below the $50k mark. Getting crazy tonight with 2 bottles of Aldi’s Winking Owl wine 😂 . . #debt #debtfreejourney #debtfreecommunity #daveramsey #daveramseybabysteps #babysteps #babystep2 #budget #budgeting #money
having so much making cash envelopes, check out the etsy shop! opened today :)
#cashenvelopes #daveramsey #cashenvelopesystem #cashenvelopestuffing
having so much making cash envelopes, check out the etsy shop! opened today :) #cashenvelopes #daveramsey #cashenvelopesystem #cashenvelopestuffing
Our house is STILL a disaster with this leak repair! This is like the slowest home repair project in the world because "we" are working around our work schedule. I say we, but really it's my amazingly talented husband who is doing all the repairs.😍
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Anyway, as I've said before this whole thing inspired us to switch around the rooms and it has inspired me to declutter everything! Everything must go!! #
These days instead of spending money I am shopping my house for items we no longer need or use. This week I gathered 7 trash bags full of my children's old clothes and donated them to those affected by the volcano eruption in the Philippines. What a relief to send those bags out of my home!! I have reclaimed space and a little peace of mind. Happy to purge and happy to help! 
#declutter #debtfreecommunity #debtfreejourney #DFC #sahm #wahm #MomLife #stayathomemom #daveramsey #progressnotperfection
Our house is STILL a disaster with this leak repair! This is like the slowest home repair project in the world because "we" are working around our work schedule. I say we, but really it's my amazingly talented husband who is doing all the repairs.😍 # Anyway, as I've said before this whole thing inspired us to switch around the rooms and it has inspired me to declutter everything! Everything must go!! # These days instead of spending money I am shopping my house for items we no longer need or use. This week I gathered 7 trash bags full of my children's old clothes and donated them to those affected by the volcano eruption in the Philippines. What a relief to send those bags out of my home!! I have reclaimed space and a little peace of mind. Happy to purge and happy to help! #declutter #debtfreecommunity #debtfreejourney #DFC #sahm #wahm #MomLife #stayathomemom #daveramsey #progressnotperfection
A survey✏️of 1,000 Millennials conducted by YPulse showed that Millennials' #1 life goal is not to get into a fulfilling relationship, build the career of their dreams, or start a family👪...no...their top life goal is to be debt-free!⁠💰⁠
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If you have debt, it can be confusing🤷and frustrating. Especially with a growing family! Hopefully, these 10 tips from the @daveramsey blog📝will help those struggling with debt--a little to a lot of debt-- to get clear and more motivated to get rid of it so you can start building wealth!⁠
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If you're looking for ideas💡to start a side gig, check out my Link in Bio which will take you to a bunch of different work from home ideas, perfect for stay-at-home moms👩⁠
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🙋Tag a friend who would find value in this!⁠
📲 Save this for later!⁠
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-Follow me for more 🔥@mymochamoney⁠
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-⁠Fee free to share this post but make sure to give me credit, please 😀⁠
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#budgeting #daveramsey #momlifebelike #savemoneylivebetter #budgetplanner #budgetingtips #budgetlife #budgetplanning #budgets #budgettip #budgettips #budgetbuild #livingonabudget #debtfreegoals #debtfreelife #savemoneytips #savemoneytime #budgetliving #budgetmom #budgeting101 #daveramseybudget #daveramseycommunity #everydollar #everydollarbudget #debtfreemom #debtfreefamily #debtfreelifestyle #sinkingfunds #sinkingfund
A survey✏️of 1,000 Millennials conducted by YPulse showed that Millennials' #1 life goal is not to get into a fulfilling relationship, build the career of their dreams, or start a family👪...no...their top life goal is to be debt-free!⁠💰⁠ -⁠ If you have debt, it can be confusing🤷and frustrating. Especially with a growing family! Hopefully, these 10 tips from the @daveramsey blog📝will help those struggling with debt--a little to a lot of debt-- to get clear and more motivated to get rid of it so you can start building wealth!⁠ -⁠ If you're looking for ideas💡to start a side gig, check out my Link in Bio which will take you to a bunch of different work from home ideas, perfect for stay-at-home moms👩⁠ -⁠ 🙋Tag a friend who would find value in this!⁠ 📲 Save this for later!⁠ ⁠ -Follow me for more 🔥@mymochamoney⁠ -⁠ -⁠Fee free to share this post but make sure to give me credit, please 😀⁠ -⁠ -⁠ -⁠ -⁠ -⁠ -⁠ -⁠ -⁠ -⁠ -⁠ -⁠ -⁠ -⁠ #budgeting #daveramsey #momlifebelike #savemoneylivebetter #budgetplanner #budgetingtips #budgetlife #budgetplanning #budgets #budgettip #budgettips #budgetbuild #livingonabudget #debtfreegoals #debtfreelife #savemoneytips #savemoneytime #budgetliving #budgetmom #budgeting101 #daveramseybudget #daveramseycommunity #everydollar #everydollarbudget #debtfreemom #debtfreefamily #debtfreelifestyle #sinkingfunds #sinkingfund
July 2019 was the month we said “that’s it! I’ve had enough.” I  was afraid to look at my bank account. We were reckless and were living above our means with TWO incomes. I was so tired of seeing red numbers in my bank account telling me we were over drafted. ⁣
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We decided to get serious about our finances and to change our family tree. Since we have gotten serious about our debt in just 7 months we paid over $10k off in debt and got rid of my husbands student loans, one of my loans AND our car payment that was over $300 a month. ⁣
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This allowed me to stay home with our babies and live off of one income and still pay down debt with the snowball effect. We are changing our family tree and are hoping to be DEBT FREE by Dec 2021. 
#financialfreedom #financialliteracy #lcswexam #lmsw #clincialsocialwork #sahm #mama #mamalife #sahmlife #daveramsey #daveramseybabysteps #debtfreejourney #debtfree #debtfreegoals #debtfreescream #budgeting #budget #livelikenooneelse #soyoucangivelikenooneelse
July 2019 was the month we said “that’s it! I’ve had enough.” I was afraid to look at my bank account. We were reckless and were living above our means with TWO incomes. I was so tired of seeing red numbers in my bank account telling me we were over drafted. ⁣ ⁣ We decided to get serious about our finances and to change our family tree. Since we have gotten serious about our debt in just 7 months we paid over $10k off in debt and got rid of my husbands student loans, one of my loans AND our car payment that was over $300 a month. ⁣ ⁣ This allowed me to stay home with our babies and live off of one income and still pay down debt with the snowball effect. We are changing our family tree and are hoping to be DEBT FREE by Dec 2021. #financialfreedom #financialliteracy #lcswexam #lmsw #clincialsocialwork #sahm #mama #mamalife #sahmlife #daveramsey #daveramseybabysteps #debtfreejourney #debtfree #debtfreegoals #debtfreescream #budgeting #budget #livelikenooneelse #soyoucangivelikenooneelse
F E B R U A R Y • B A L A N C E S
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We're way past due for an update... If you've been following along I'm sorry. 😂😂😂 Consistency is hard with full-time work and a toddler.
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On mat leave, we depleted all of our savings. We're still just barely scraping by and it's rough. We're trying to rebuild our mini emergency fund but it's currently sitting at a grand total of: $0
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We need a change. I am planning to be more consistent here because when I was posting regularly we were doing better. It was always top of mind which helped a lot.
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So these are our numbers as of today. It has dropped since I posted like this on October 1st, but not much. It's a good day to start!
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#daveramsey #debt #debtsucks #debtisdumb #debtfreecommunity #debtfreedom #journeytodebtfreedom #babysteps #babystep2 #debtfreecommunitycanada #debtfreeparenting #debtfreealberta #debtfreecalgary #debtfreeyyc
F E B R U A R Y • B A L A N C E S . We're way past due for an update... If you've been following along I'm sorry. 😂😂😂 Consistency is hard with full-time work and a toddler. . On mat leave, we depleted all of our savings. We're still just barely scraping by and it's rough. We're trying to rebuild our mini emergency fund but it's currently sitting at a grand total of: $0 . We need a change. I am planning to be more consistent here because when I was posting regularly we were doing better. It was always top of mind which helped a lot. . So these are our numbers as of today. It has dropped since I posted like this on October 1st, but not much. It's a good day to start! . #daveramsey #debt #debtsucks #debtisdumb #debtfreecommunity #debtfreedom #journeytodebtfreedom #babysteps #babystep2 #debtfreecommunitycanada #debtfreeparenting #debtfreealberta #debtfreecalgary #debtfreeyyc
It is not fancy. And it might not make it much longer. But the price can't be beat. My actual "true" costs for the past year have been around $3,500. If I had gotten something new it would have likely been double or triple. The day I get to upgrade will be awesome, but I'm okay waiting.
It is not fancy. And it might not make it much longer. But the price can't be beat. My actual "true" costs for the past year have been around $3,500. If I had gotten something new it would have likely been double or triple. The day I get to upgrade will be awesome, but I'm okay waiting.
Progress! Never been more determined! Auto loan almost paid off! 💃🏽💃🏽 #debtfreecommunity #budgeting #debtpayments #babystep2 #daveramsey #debtfreejourney #debtfree
Progress! Never been more determined! Auto loan almost paid off! 💃🏽💃🏽 #debtfreecommunity #budgeting #debtpayments #babystep2 #daveramsey #debtfreejourney #debtfree
As February wraps up, the market has not been kind this week.
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Our net worth did decline. We had large gains in the first 3 weeks of February, it was on track to be on of our our strongest months, which got wiped out along with this number.  Not much else to report really 🤷‍♀️.
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What do we do? Move on to March.....
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#debtfreejourney
As February wraps up, the market has not been kind this week. . Our net worth did decline. We had large gains in the first 3 weeks of February, it was on track to be on of our our strongest months, which got wiped out along with this number. Not much else to report really 🤷‍♀️. . What do we do? Move on to March..... . #debtfreejourney
This is a personal decision and I’m just curious to hear some opinions. If it has a balance I myself consider it a debt worth attacking.
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My husband’s phone recently took a turn for the worse and truly needed replacing. We both had iPhone 6s’ and planned to use them until we couldn’t anymore. So I looked at some used ones and didn’t know who I could trust or if we should go down that route because it felt a little iffy. We went ahead and took advantage of a BOGO promotion through Verizon where I got a new phone as well, but we are only paying for his. My 6s is now our backup phone in case something happens with one of ours.
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In an effort to lower our monthly bills, I wanted to knock out that extra monthly payment we didn’t have before. So I talked to Verizon today to see if I could pay his off without hurting the promotion and they said I could. So I did! $1116.16 later and we officially owe nothing to anyone except for the housing, utilities, and services we use monthly. This lowered our monthly payment by around $46! #debtfree and it feels GOOD!
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#dfc #debtfreecommunity #daveramsey #babysteps #financialfreedom #nomorepayments #debtfreemillennials #simplify #money #babystep2 #babystep3 #paidoff #freedom #taxrefund
This is a personal decision and I’m just curious to hear some opinions. If it has a balance I myself consider it a debt worth attacking. . My husband’s phone recently took a turn for the worse and truly needed replacing. We both had iPhone 6s’ and planned to use them until we couldn’t anymore. So I looked at some used ones and didn’t know who I could trust or if we should go down that route because it felt a little iffy. We went ahead and took advantage of a BOGO promotion through Verizon where I got a new phone as well, but we are only paying for his. My 6s is now our backup phone in case something happens with one of ours. . In an effort to lower our monthly bills, I wanted to knock out that extra monthly payment we didn’t have before. So I talked to Verizon today to see if I could pay his off without hurting the promotion and they said I could. So I did! $1116.16 later and we officially owe nothing to anyone except for the housing, utilities, and services we use monthly. This lowered our monthly payment by around $46! #debtfree and it feels GOOD! . #dfc #debtfreecommunity #daveramsey #babysteps #financialfreedom #nomorepayments #debtfreemillennials #simplify #money #babystep2 #babystep3 #paidoff #freedom #taxrefund
$2,888 towards debt in February 🙌🏻🙌🏻
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I picked up 4 extra shifts in March (on top of my usual 40 hour work week 😭) so I’m hoping I can continue making decent payments towards debt.
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Sometimes there aren’t any shortcuts to meeting a goal.... becoming debt free is definitely that goal for me. I know it’s going to take time and while I’m not “ok” with that, it is something I’ve come to terms with. I just have to stay motivated AND discipled.
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Love this quote by Wareen Buffet, “No matter how great the talent or efforts, some things just take time. You can’t produce a baby in one month by getting nine women pregnant.”
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Which quote(s) has helped you during your debt free journey?
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GBYA
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#bulletjournal #bulletjournalbudget #bulletjournalspendinglog #bulletjournalspread  #bujobudget #bujobudgeting  #bujofinances #bujolove #bujogram #bujo #bujocommunity #bujospendingtracker #bujoexpenses #budgetwithbujo #budgetbujo #travelersjournal #budgetlife #budgeting #budgetplanning #budgetplanner #expensetracker #debtfree #dfc #dfcaustin #debtfreecommunity #debtfreejourney #daveramsey #babysteptwo #budgetbypaycheck
$2,888 towards debt in February 🙌🏻🙌🏻 〰️ I picked up 4 extra shifts in March (on top of my usual 40 hour work week 😭) so I’m hoping I can continue making decent payments towards debt. 〰️ Sometimes there aren’t any shortcuts to meeting a goal.... becoming debt free is definitely that goal for me. I know it’s going to take time and while I’m not “ok” with that, it is something I’ve come to terms with. I just have to stay motivated AND discipled. 〰️ Love this quote by Wareen Buffet, “No matter how great the talent or efforts, some things just take time. You can’t produce a baby in one month by getting nine women pregnant.” 〰️ Which quote(s) has helped you during your debt free journey? 〰️ GBYA • • • #bulletjournal #bulletjournalbudget #bulletjournalspendinglog #bulletjournalspread #bujobudget #bujobudgeting #bujofinances #bujolove #bujogram #bujo #bujocommunity #bujospendingtracker #bujoexpenses #budgetwithbujo #budgetbujo #travelersjournal #budgetlife #budgeting #budgetplanning #budgetplanner #expensetracker #debtfree #dfc #dfcaustin #debtfreecommunity #debtfreejourney #daveramsey #babysteptwo #budgetbypaycheck
Today I got to submit a payment that more than doubled what we usually pay each month on the Slingshot 🙌🏻 since we no longer have a wedding to pay for, we are now using my coaching income for one bill that stays the same each month and anything left over goes to paying off debt!⠀
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It’s really freaking cool that helping people work towards their health and fitness goals is also helping us work towards our financial goals! Coaching has been the biggest blessing for me - it keeps me more consistent than anything ever has, it allows me to share how good I feel with other people, and it gives me the ability to add to our income without taking a job I have to physically go to⠀
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This week my team is sharing more about what coaching is.. the actual tasks we do, how we make money, and how you can get started doing it too! Go check out the posts on @teamposifitlyfun_coachinfo if you’d like to learn more!
Today I got to submit a payment that more than doubled what we usually pay each month on the Slingshot 🙌🏻 since we no longer have a wedding to pay for, we are now using my coaching income for one bill that stays the same each month and anything left over goes to paying off debt!⠀ ⠀ It’s really freaking cool that helping people work towards their health and fitness goals is also helping us work towards our financial goals! Coaching has been the biggest blessing for me - it keeps me more consistent than anything ever has, it allows me to share how good I feel with other people, and it gives me the ability to add to our income without taking a job I have to physically go to⠀ ⠀ This week my team is sharing more about what coaching is.. the actual tasks we do, how we make money, and how you can get started doing it too! Go check out the posts on @teamposifitlyfun_coachinfo if you’d like to learn more!
Marriage Milestone
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Before we got married we talked about jumping on my student loans fast and furious after the wedding day. 
Luckily @filmcoveproductions did well in 2018 which enabled me to pay for @jensenharrell’s engagement ring, weddings bands, and our honeymoon in cash. But took pretty much all the money to my name to do it.

We entered marriage on 1/20/2019 with $19,867.86 of student loan debt. This week we made our last bulk payment and now finally owe $0.00 😱

We were also able to buy Jensen a new car in cash last summer when her’s bit the dust. None of this post is to brag but rather to celebrate something we’ve been tackling for the past 13 months.

Jensen asked me what I would like to do when we were debt free. Thinking it would be a few more years down the road I said “Take you to one of my favorite places on earth, @universalorlando” and this past week, minutes after submitting our last payment, she surprised me with a trip she’s had up her sleeve for a while now!! 😱

This all feels so surreal and I’m beyond thankful to God, my bride, my family and friends,  @daveramsey and all of his helpful content and each client and supporter of my entrepreneurial career.

We are thrilled to be debt free.
Marriage Milestone _____________________________________ Before we got married we talked about jumping on my student loans fast and furious after the wedding day. Luckily @filmcoveproductions did well in 2018 which enabled me to pay for @jensenharrell’s engagement ring, weddings bands, and our honeymoon in cash. But took pretty much all the money to my name to do it. We entered marriage on 1/20/2019 with $19,867.86 of student loan debt. This week we made our last bulk payment and now finally owe $0.00 😱 We were also able to buy Jensen a new car in cash last summer when her’s bit the dust. None of this post is to brag but rather to celebrate something we’ve been tackling for the past 13 months. Jensen asked me what I would like to do when we were debt free. Thinking it would be a few more years down the road I said “Take you to one of my favorite places on earth, @universalorlando” and this past week, minutes after submitting our last payment, she surprised me with a trip she’s had up her sleeve for a while now!! 😱 This all feels so surreal and I’m beyond thankful to God, my bride, my family and friends, @daveramsey and all of his helpful content and each client and supporter of my entrepreneurial career. We are thrilled to be debt free.
🤙🏾Introduction Time👋🏼 ⁣
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Hey family, we’ve had a lot of new face around here since the last time we’ve done an intro, so welcome to fitnfunds and thanks for following along on the journey! 😁 ⁣
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We are Melissa & Murphy aka Mel & Murph or M&M!  In a nut shell, almost six years ago we had a rock bottom in our marriage and in our finances.  At that point we had been married for four years and came to terms with the fact that we were in an enormous about of consumer/student loan debt and we had to make some drastic changes.  After Murph did some research and learned about the baby steps from financial guro Dave Ramsey – we began our debt free journey in January 2014.  In March 2019 we made our final debt payment of $229,000 total and today we are enjoying our new debt free life, traveling, giving back, family planning, finishing school, and building wealth. 🎊 ⁣
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Most recently, we’ve had the opportunity to teach financial literacy classes to all demographics and speak to audiences about our story/steps and to get your finances in order. ⁣
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fitnfunds was created in the last year of our debt free journey as a place to share our passions for a healthy lifestyle and our financial journey, but also to encourage, inspire, and teach what we’ve have learned with all of you. ⁣
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We are excited to make some upgrades around here in the next few months and for all that’s in store for fitnfunds.  Grateful to be a part of such an amazing community and meet such incredible people on this platform who work hard, share their knowledge, and aspire to live financially free on a daily basis. ⁣
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Now, tell us something about yourself👇🏾👇🏼
🤙🏾Introduction Time👋🏼 ⁣ ⁣ Hey family, we’ve had a lot of new face around here since the last time we’ve done an intro, so welcome to fitnfunds and thanks for following along on the journey! 😁 ⁣ ⁣ We are Melissa & Murphy aka Mel & Murph or M&M!  In a nut shell, almost six years ago we had a rock bottom in our marriage and in our finances.  At that point we had been married for four years and came to terms with the fact that we were in an enormous about of consumer/student loan debt and we had to make some drastic changes.  After Murph did some research and learned about the baby steps from financial guro Dave Ramsey – we began our debt free journey in January 2014.  In March 2019 we made our final debt payment of $229,000 total and today we are enjoying our new debt free life, traveling, giving back, family planning, finishing school, and building wealth. 🎊 ⁣ ⁣ Most recently, we’ve had the opportunity to teach financial literacy classes to all demographics and speak to audiences about our story/steps and to get your finances in order. ⁣ ⁣ fitnfunds was created in the last year of our debt free journey as a place to share our passions for a healthy lifestyle and our financial journey, but also to encourage, inspire, and teach what we’ve have learned with all of you. ⁣ ⁣ We are excited to make some upgrades around here in the next few months and for all that’s in store for fitnfunds.  Grateful to be a part of such an amazing community and meet such incredible people on this platform who work hard, share their knowledge, and aspire to live financially free on a daily basis. ⁣ ⁣ Now, tell us something about yourself👇🏾👇🏼
Facebook marketplace for the win. ⁣
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I’ll be using this to cover my daughter’s t-ball registration fee which is $155. Now to dig through stuff to see what else I can sell. ⁣
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I think my goal will be to sell items to cash flow unexpected bills like this t-ball fee. I just decided a week ago I wanted her to play but it wasn't in the budget. ⁣
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#inspiredbudget #budgeting #budget #budgetlife #budgetfriendly #debtfree #debtfreejourney #debtfreedom #debtfreecommunity #debtfreelife #studentloan #studentloanpayment #debtfreeliving #savemoney #moneysaver #savingmoney #cash #personalfinance #personalfinanceforwomen #budgetadvice #finanicalfreedom #financialindependence #savings #ynab #daveramsey #everydollar #zerobasebudget #generationalwealthchallenge
Facebook marketplace for the win. ⁣ ⁣ I’ll be using this to cover my daughter’s t-ball registration fee which is $155. Now to dig through stuff to see what else I can sell. ⁣ ⁣ I think my goal will be to sell items to cash flow unexpected bills like this t-ball fee. I just decided a week ago I wanted her to play but it wasn't in the budget. ⁣ ⁣ = = = ⁠⠀ ⁣ ⁣ #inspiredbudget #budgeting #budget #budgetlife #budgetfriendly #debtfree #debtfreejourney #debtfreedom #debtfreecommunity #debtfreelife #studentloan #studentloanpayment #debtfreeliving #savemoney #moneysaver #savingmoney #cash #personalfinance #personalfinanceforwomen #budgetadvice #finanicalfreedom #financialindependence #savings #ynab #daveramsey #everydollar #zerobasebudget #generationalwealthchallenge
Our new car savings goal is complete.. well sort of. We didn’t reach the goal we originally set, which was to of save $16k by the summer. Instead we opted to buy a cheaper, older model vehicle and pay cash with what we had now vs. continuing to save for several more months. 
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We found a 2012 CR-V listed locally with 114k miles. Only one owner, a retired school teacher and his wife who had the vehicle serviced like clockwork at the local dealership - so it’s in good shape and has been well taken care of. 
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The final price for the vehicle was $10,443.12 including the tax, title & registration fee. This comes in just slightly under what we had set aside in savings for a car up until this point.
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Because we chose to go the cheaper vehicle route, we can now use what would have went to car savings these next couple months & put that money towards paying down my student loans instead 🙌🏼 shooting to have them (our last debt) down below $10k by the start of summer now!
Our new car savings goal is complete.. well sort of. We didn’t reach the goal we originally set, which was to of save $16k by the summer. Instead we opted to buy a cheaper, older model vehicle and pay cash with what we had now vs. continuing to save for several more months. # We found a 2012 CR-V listed locally with 114k miles. Only one owner, a retired school teacher and his wife who had the vehicle serviced like clockwork at the local dealership - so it’s in good shape and has been well taken care of. # The final price for the vehicle was $10,443.12 including the tax, title & registration fee. This comes in just slightly under what we had set aside in savings for a car up until this point. # Because we chose to go the cheaper vehicle route, we can now use what would have went to car savings these next couple months & put that money towards paying down my student loans instead 🙌🏼 shooting to have them (our last debt) down below $10k by the start of summer now!
February wrap up! We were able to send $5,678 to debt this month, about $2,600 of that was in extra snowball payments! Only $800 of this came from a tax return that was super unexpected, and the remaining amount was from our incomes. Praise God! We are very encouraged to see our snowball pick up so much momentum. Can't wait to see what March brings!
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#dfc #debtsucks #debtfreecommunity #daveramsey #babysteps #bs2 #babystep2 #gazelleintense #fpu #financialpeaceuniversity #financialpeace #debtfreejourney #debtsnowball
February wrap up! We were able to send $5,678 to debt this month, about $2,600 of that was in extra snowball payments! Only $800 of this came from a tax return that was super unexpected, and the remaining amount was from our incomes. Praise God! We are very encouraged to see our snowball pick up so much momentum. Can't wait to see what March brings! . . . . . #dfc #debtsucks #debtfreecommunity #daveramsey #babysteps #bs2 #babystep2 #gazelleintense #fpu #financialpeaceuniversity #financialpeace #debtfreejourney #debtsnowball
March is right around the corner. Is YOUR budget ready?⠀
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Join thousands of cash budgeters using the Bella Taylor Cash System Wallet for their Dave Ramsey and cash envelope budget systems.⠀
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Learn more:  click link in profile⠀⠀
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#daveramsey #cashenvelopewallet #cashenvelopesystem #debtfreecommunity #debtfreejourney #debtfree #debtfreeliving #budget #budgeting #daveramseybabysteps⠀⠀⠀⠀
#cashsystemwallet #TheBitLoomCo #cashsystem⠀⠀⠀⠀
#cashenvelopes #DaveRamseyEnvelopeSystem⠀⠀⠀⠀
#financialpeace #cashflow #coupon #couponing⠀⠀⠀⠀
#couponcommunity #couponers #debtisdumb⠀⠀⠀⠀
#finance #savemoney #findwalletpeace #sidehustle
March is right around the corner. Is YOUR budget ready?⠀ ⠀ Join thousands of cash budgeters using the Bella Taylor Cash System Wallet for their Dave Ramsey and cash envelope budget systems.⠀ ⠀ Learn more: click link in profile⠀⠀ ⠀⠀ #daveramsey #cashenvelopewallet #cashenvelopesystem #debtfreecommunity #debtfreejourney #debtfree #debtfreeliving #budget #budgeting #daveramseybabysteps⠀⠀⠀⠀ #cashsystemwallet #TheBitLoomCo #cashsystem⠀⠀⠀⠀ #cashenvelopes #DaveRamseyEnvelopeSystem⠀⠀⠀⠀ #financialpeace #cashflow #coupon #couponing⠀⠀⠀⠀ #couponcommunity #couponers #debtisdumb⠀⠀⠀⠀ #finance #savemoney #findwalletpeace #sidehustle
Another new addition to the shop! Link in bio! Mint and Yellow, set of 10 Cash Envelopes! #budgeting #plannercommunity #daveramseybudget #daveramsey
Another new addition to the shop! Link in bio! Mint and Yellow, set of 10 Cash Envelopes! #budgeting #plannercommunity #daveramseybudget #daveramsey
This workplace ready outfit comes to you courtesy of.... you guessed it... Goodwill!  What have you found lately? #goodwillfinds #goodwill #daveramseybabysteps #daveramsey #gazelleintense
This workplace ready outfit comes to you courtesy of.... you guessed it... Goodwill! What have you found lately? #goodwillfinds #goodwill #daveramseybabysteps #daveramsey #gazelleintense
Income wise, this has been an exceptionally unusual month for us. In 2017 we got hit with a huge IRS bill. Since then we've been extra paranoid about withholdings and such. Well in 2019 we over compensated by alot (unknowingly) and we got a huge refund back in 2020. We live and learn, but needless to say... we were able to pay off one of our vehicles using that refund plus company bonuses and its such an amazing feeling. We'll sit in this moment and allow ourselve to be so damn proud of this milestone.
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Most important thing I have learned in the past 2 years is this:  find your gratitude for what you have NOW. Gratitude is everything you need in order to break old habits and to avoid of comparison.
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#daveramsey #debtsucks #debtfreecommunity #livelikenooneelse #goalsetting #cashisking #emergencyfund #cashenvelopes #sinkingfunds #financialpeace #debtpayoff #snowball #babysteps #babystep2 #lifeinthesimplelane
Income wise, this has been an exceptionally unusual month for us. In 2017 we got hit with a huge IRS bill. Since then we've been extra paranoid about withholdings and such. Well in 2019 we over compensated by alot (unknowingly) and we got a huge refund back in 2020. We live and learn, but needless to say... we were able to pay off one of our vehicles using that refund plus company bonuses and its such an amazing feeling. We'll sit in this moment and allow ourselve to be so damn proud of this milestone. . Most important thing I have learned in the past 2 years is this: find your gratitude for what you have NOW. Gratitude is everything you need in order to break old habits and to avoid of comparison. . . . #daveramsey #debtsucks #debtfreecommunity #livelikenooneelse #goalsetting #cashisking #emergencyfund #cashenvelopes #sinkingfunds #financialpeace #debtpayoff #snowball #babysteps #babystep2 #lifeinthesimplelane
My sweet little girl wanted to share her stomach bug with me. So I’m spending the evening in bed and taking this time to work on our March budget and goals. Do you take time to write down your goals each month? 
Research has shown that if you write them down you’re more likely to accomplish them. I know that’s true in my own life.

#daveramsey #debtfreecommunity #minnesotablogger #blog #minnesota #goals #budget
My sweet little girl wanted to share her stomach bug with me. So I’m spending the evening in bed and taking this time to work on our March budget and goals. Do you take time to write down your goals each month? Research has shown that if you write them down you’re more likely to accomplish them. I know that’s true in my own life. #daveramsey #debtfreecommunity #minnesotablogger #blog #minnesota #goals #budget
Always have gratitude 😊💖 #debtfreecommunity #debtfreejourneyuk #daveramsey #babystep2
Lately I’ve started to feel inspired again. Between a few big paychecks, tax return and a bonus coming tomorrow i feel like my motivation is coming back. I went through such a slow season of saving I lost a lot of motivation and started to wonder if I really wanted to continue this journey. The truth is I definitely do I was just frustrated with where I was at. •
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Embracing each season can be tough but through prayer and perseverance there is light at the end of the tunnel! Can’t wait to make a big snowball payment tomorrow! •
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#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #minimalist #minimalism #zerobasedbudget #debtisdumb #cashisking #llnoe #studentloans #sidehustle #payday #livelikenooneelse #studentloans #contentment #konmari #mariekondo #sixfiguredebt #personalfinance #personalfinanceforwomen #spendwisely
Lately I’ve started to feel inspired again. Between a few big paychecks, tax return and a bonus coming tomorrow i feel like my motivation is coming back. I went through such a slow season of saving I lost a lot of motivation and started to wonder if I really wanted to continue this journey. The truth is I definitely do I was just frustrated with where I was at. • • Embracing each season can be tough but through prayer and perseverance there is light at the end of the tunnel! Can’t wait to make a big snowball payment tomorrow! • • • #daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #minimalist #minimalism #zerobasedbudget #debtisdumb #cashisking #llnoe #studentloans #sidehustle #payday #livelikenooneelse #studentloans #contentment #konmari #mariekondo #sixfiguredebt #personalfinance #personalfinanceforwomen #spendwisely
1…2….3.. WE’RE DEBT FREE
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I’m so proud of us! When Ephraim and I got engaged, we decided to cultivate a value of stewarding our money well and decided we were going to “live to work, not work to live.” We were gifted @daveramsey FPU as a wedding gift and it was so helpful! We picked up extra projects, extra jobs, worked our butts off and said no sometimes when we really wanted to say yes. •
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In 13 months, we paid off $19,867.86 in student loans!!!
🔥🔥🔥
During this time we also paid off Ephraim’s car and bought a car in CASH when my car that I’ve had since I was 15 died 6 months into our first year of marriage. •
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We are THANKFUL for financial freedom and for our YES to live like no one else so we can truly live and give like no one else!! The whole cultural norm says “debt is normal” and if you can afford payments then you can afford what you’re buying, but that’s so far from the truth. Debt is a vicious cycle and it is clear that the borrower is slave to the lender. (Proverbs 22:7)
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If you are wanting financial freedom, but don’t know where to start, IT IS POSSIBLE! Read Dave’s books, start saying no, listen to podcasts, watch YouTube videos, make a budget, and start snowballing your way into freedom! You will fail and it is okay, but get back up and try again!! It isn’t always easy to say no, but, it is WORTH IT! I promise! I love you @ephraimharrell and I wouldn’t want to journey life with anyone else. 
Here’s to Baby Step 3 and beyond! ✨🥳🤩
1…2….3.. WE’RE DEBT FREE __________________________________ I’m so proud of us! When Ephraim and I got engaged, we decided to cultivate a value of stewarding our money well and decided we were going to “live to work, not work to live.” We were gifted @daveramsey FPU as a wedding gift and it was so helpful! We picked up extra projects, extra jobs, worked our butts off and said no sometimes when we really wanted to say yes. • • In 13 months, we paid off $19,867.86 in student loans!!! 🔥🔥🔥 During this time we also paid off Ephraim’s car and bought a car in CASH when my car that I’ve had since I was 15 died 6 months into our first year of marriage. • • We are THANKFUL for financial freedom and for our YES to live like no one else so we can truly live and give like no one else!! The whole cultural norm says “debt is normal” and if you can afford payments then you can afford what you’re buying, but that’s so far from the truth. Debt is a vicious cycle and it is clear that the borrower is slave to the lender. (Proverbs 22:7) • • If you are wanting financial freedom, but don’t know where to start, IT IS POSSIBLE! Read Dave’s books, start saying no, listen to podcasts, watch YouTube videos, make a budget, and start snowballing your way into freedom! You will fail and it is okay, but get back up and try again!! It isn’t always easy to say no, but, it is WORTH IT! I promise! I love you @ephraimharrell and I wouldn’t want to journey life with anyone else. Here’s to Baby Step 3 and beyond! ✨🥳🤩
Ha! So good. 🎉

#repost @ebkearse

Student loan balance: $0 🤩
#debtfree #debtisdumb #daveramsey
Ha! So good. 🎉 #repost @ebkearse Student loan balance: $0 🤩 #debtfree #debtisdumb #daveramsey
What's in my meal prep? Chicken that cooked itself in the slow cooker in alfredo sauce and cheesy country scalloped potatoes. So good and classic comfort food.

#chickenandpotatoes #weightwatchers #myww #food #mywwfood #wwfood #mealprep #mealprepping #wehavefoodathome #brownbaggingit #chicken #potatoes #cheesypotatoes #cooking #comfortfood #countrycooking #slowcooker #crockpot #daveramsey #savingmoney #dinner #supper #countrylife #countrykitchen
What's in my meal prep? Chicken that cooked itself in the slow cooker in alfredo sauce and cheesy country scalloped potatoes. So good and classic comfort food. #chickenandpotatoes #weightwatchers #myww #food #mywwfood #wwfood #mealprep #mealprepping #wehavefoodathome #brownbaggingit #chicken #potatoes #cheesypotatoes #cooking #comfortfood #countrycooking #slowcooker #crockpot #daveramsey #savingmoney #dinner #supper #countrylife #countrykitchen
#mood
I feel like I’ve been waiting for this moment all my life! 💃🏻 We’ve worked really hard for the majority of our marriage to get this sucker paid off. We bought it in November of 2017 and it had been a rental for 5 months before that. So while it wasn’t brand new, it was still a 2017 and around $23,000 after warranties and whatnot. We put $8000 down and took a $15,491.82 loan out for the rest. 🤦🏻‍♀️ Never again. Since then we’ve been paying it down at an accelerated rate: $500 a month while the payment was actually only $298. While that certainly helped speed up the process I couldn’t wait to see that number hit $0. When we had extra money we’d throw it at it here and there and, with our tax return, I was FINALLY able to make the last $1,878.40 payment. 👏🏻👏🏻👏🏻 60 month loan paid off in 26 months!
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The second picture is what I see now when I open up the banking app where we had the loan. It’s never felt better to NOT be a customer.
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#dfc #debtfreecommunity #daveramsey #debtfree #paidoff #debtfreeclutterfree #babystep2 #babystep3 #finally #officiallyowners #gimmemytitle #carloan #car #freedom #teamtinyshovel
I feel like I’ve been waiting for this moment all my life! 💃🏻 We’ve worked really hard for the majority of our marriage to get this sucker paid off. We bought it in November of 2017 and it had been a rental for 5 months before that. So while it wasn’t brand new, it was still a 2017 and around $23,000 after warranties and whatnot. We put $8000 down and took a $15,491.82 loan out for the rest. 🤦🏻‍♀️ Never again. Since then we’ve been paying it down at an accelerated rate: $500 a month while the payment was actually only $298. While that certainly helped speed up the process I couldn’t wait to see that number hit $0. When we had extra money we’d throw it at it here and there and, with our tax return, I was FINALLY able to make the last $1,878.40 payment. 👏🏻👏🏻👏🏻 60 month loan paid off in 26 months! . The second picture is what I see now when I open up the banking app where we had the loan. It’s never felt better to NOT be a customer. . #dfc #debtfreecommunity #daveramsey #debtfree #paidoff #debtfreeclutterfree #babystep2 #babystep3 #finally #officiallyowners #gimmemytitle #carloan #car #freedom #teamtinyshovel
Beautiful new laminated cash envelopes available in my Etsy shop linked in bio. #cashenvelopes #daveramsey #budgeting
Beautiful new laminated cash envelopes available in my Etsy shop linked in bio. #cashenvelopes #daveramsey #budgeting
Tomorrow is payday for us which means we’re officially wrapping up February! We made good progress towards the mortgage this month and sent $1,608.52 to the principal of our loan. Even more exciting is for the first time ever we officially made it UNDER $230,000 on our overall balance! 🙌🙌🙌
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We bought our house December 2014 for $242,000 and almost 5 years later (November 2019) refinanced for $235,900. That means that in the 3 months that we’ve been making extra mortgage payments, we’ve ALREADY made more progress towards the loan than we did the first FIVE YEARS of having it. 🤯🤯🤯
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Even though the extras we’ve paid towards our loan isn’t anywhere near what we used to pay to our other debt, seeing this progress has been mind blowing. March is likely to be a little more low key than February but baby step 6 is all about that steady consistency!
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#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #babystep3 #babystep6
Tomorrow is payday for us which means we’re officially wrapping up February! We made good progress towards the mortgage this month and sent $1,608.52 to the principal of our loan. Even more exciting is for the first time ever we officially made it UNDER $230,000 on our overall balance! 🙌🙌🙌 • We bought our house December 2014 for $242,000 and almost 5 years later (November 2019) refinanced for $235,900. That means that in the 3 months that we’ve been making extra mortgage payments, we’ve ALREADY made more progress towards the loan than we did the first FIVE YEARS of having it. 🤯🤯🤯 • Even though the extras we’ve paid towards our loan isn’t anywhere near what we used to pay to our other debt, seeing this progress has been mind blowing. March is likely to be a little more low key than February but baby step 6 is all about that steady consistency! • • • #daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #babystep3 #babystep6
Here's a list of tools I found essential on my debt-free journey! I also recently added ”The Intelligent Investor” by Benjamin Graham. This one is a lot to digest but it's worth the time!
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#DebtfreeJourney #Daveramsey #teachers #Debtsnowball  #studentsloans #babysteps #millennials #minimalist #budget #Allthingsteacheredition #financialmistake #bill #election2020 #babystep2 #blogpost #financialgoals #Financialyoutube #debtfreeenthusiast #financialcoach #debtfreecommunity #frugal #financialfreedom #savings #financialpeace #studentloancrisis #navient
Here's a list of tools I found essential on my debt-free journey! I also recently added ”The Intelligent Investor” by Benjamin Graham. This one is a lot to digest but it's worth the time! . . . . . . . #DebtfreeJourney #Daveramsey #teachers #Debtsnowball #studentsloans #babysteps #millennials #minimalist #budget #Allthingsteacheredition #financialmistake #bill #election2020 #babystep2 #blogpost #financialgoals #Financialyoutube #debtfreeenthusiast #financialcoach #debtfreecommunity #frugal #financialfreedom #savings #financialpeace #studentloancrisis #navient
🤑 Saving Strategy 🤑 .

Every time I have to expense miles for work when I visit job sites, I put half payout into savings - specifically my car maintenance fund!  It’s what they’re paying you for, isn’t it?! The cost of driving for work to maintain your car and gas 🚙 .

There are few things I hate more than paying to fix and maintain my car, so this makes the inevitable blows a little more bearable 🤪 .
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#personalfinance #debtfreecommunity #budgettips #budgetingtips #studentloans #studentloandebt #carloan #moneytips #zerobasedbudget #daveramsey #debtfreejourney #savings #savingstips #savingsaccount #financialindependence #fi #fire #firemovement #blondebob #longbob #blondebalayage #carfund
🤑 Saving Strategy 🤑 . Every time I have to expense miles for work when I visit job sites, I put half payout into savings - specifically my car maintenance fund! It’s what they’re paying you for, isn’t it?! The cost of driving for work to maintain your car and gas 🚙 . There are few things I hate more than paying to fix and maintain my car, so this makes the inevitable blows a little more bearable 🤪 . . . . . . #personalfinance #debtfreecommunity #budgettips #budgetingtips #studentloans #studentloandebt #carloan #moneytips #zerobasedbudget #daveramsey #debtfreejourney #savings #savingstips #savingsaccount #financialindependence #fi #fire #firemovement #blondebob #longbob #blondebalayage #carfund
He is such a big boy now. When did my baby grow up? Lucas finally got a twin size bed tonight. In reality, his big sister just wanted her mattress on the floor instead of a frame, and we already had an extra twin mattress. $0 spent, bed upgraded. I just can’t believe he is out of his crib and toddler bed. 😭😭❤️❤️❤️
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#lucaswalter #babeo #bingo #bigboy #growingup #babystep2 #daveramseybabysteps #daveramsey #debtfreejourney
He is such a big boy now. When did my baby grow up? Lucas finally got a twin size bed tonight. In reality, his big sister just wanted her mattress on the floor instead of a frame, and we already had an extra twin mattress. $0 spent, bed upgraded. I just can’t believe he is out of his crib and toddler bed. 😭😭❤️❤️❤️ . . . #lucaswalter #babeo #bingo #bigboy #growingup #babystep2 #daveramseybabysteps #daveramsey #debtfreejourney
Per my post a few days ago, it’s been a roller coaster last few days with our finances and trying to figure out whether we would be over or under budget for the month. After a crazy back in forth based on some extenuating circumstances, we went from being over budget to $50 under budget a few days ago. But then, my son ends up at the doctor and is diagnosed with the flu. Between the doctors visit and medicine, we were back over budget 😫. Our final paychecks clear tomorrow and as I was entering the last few items in our budget tracker, it looked as though we were going to be $26 over budget BUT there was another random and completely unexpected check being deposited via a bonus/commission check from Whitney’s work and now we are a few hundred under budget!! PTL for more money than month!! We are going to put some of that towards getting our buffer back where it needs to be and the rest to build back up our baby emergency fund. We are still working hard to try to get  Everett’s surgery paid for that he is having next Friday. Unfortunately, I had to miss a few days of work this week to stay home with Ev so that’s going to put our first paycheck in March a little lower than normal. I guess it’s time to do our taxes and get that refund!! Our goal next month is to not cut it so close with our budget and continue to save for Ev’s surgery.
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#debtfreecommunity #debtfreejourney #debtfree #debtsucks #daveramseybabysteps #daveramsey #totalmoneymakeover #fitnessandfinances #cashflow #budget #budgeting #debtfreeliving #minimalism #livelikenooneelse #moremoneythanmonth #sidehustle
Per my post a few days ago, it’s been a roller coaster last few days with our finances and trying to figure out whether we would be over or under budget for the month. After a crazy back in forth based on some extenuating circumstances, we went from being over budget to $50 under budget a few days ago. But then, my son ends up at the doctor and is diagnosed with the flu. Between the doctors visit and medicine, we were back over budget 😫. Our final paychecks clear tomorrow and as I was entering the last few items in our budget tracker, it looked as though we were going to be $26 over budget BUT there was another random and completely unexpected check being deposited via a bonus/commission check from Whitney’s work and now we are a few hundred under budget!! PTL for more money than month!! We are going to put some of that towards getting our buffer back where it needs to be and the rest to build back up our baby emergency fund. We are still working hard to try to get Everett’s surgery paid for that he is having next Friday. Unfortunately, I had to miss a few days of work this week to stay home with Ev so that’s going to put our first paycheck in March a little lower than normal. I guess it’s time to do our taxes and get that refund!! Our goal next month is to not cut it so close with our budget and continue to save for Ev’s surgery. . . . #debtfreecommunity #debtfreejourney #debtfree #debtsucks #daveramseybabysteps #daveramsey #totalmoneymakeover #fitnessandfinances #cashflow #budget #budgeting #debtfreeliving #minimalism #livelikenooneelse #moremoneythanmonth #sidehustle
Ladzzzzz. If you’re not making your own jerk marinade and shelling out $ for premade, you’re missing out! Bulk barn jerk mix (about $2 to fill this jar!) and soy sauce. Marinate over night. Good lord....
Ladzzzzz. If you’re not making your own jerk marinade and shelling out $ for premade, you’re missing out! Bulk barn jerk mix (about $2 to fill this jar!) and soy sauce. Marinate over night. Good lord....
If you are going to invest in the real estate you need to know these steps.

My suggestion; Find an expert in each of these divisions and have them assist you.  Doing it all on your own can be overwhelming and stressful.  Surrounding yourself with a team will be the easiest way to invest.
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#investor #realestateinvestor #realestatementor #realestateinvesting #biggerpockets #rentalproperties #landlordlife #realtorlife #realtorsofinstagram #717 #centralpa #downtownmechanicsburg #harrisburgpa #camphillpa #camphill #houseflipping #househacking #househackingpodcast #biggerpocketsbusiness #grantcardone #daveramsey #realestatebroker #buyingandselling #entrepreneur #entrepreneurlife #sellingrealestate
If you are going to invest in the real estate you need to know these steps. My suggestion; Find an expert in each of these divisions and have them assist you. Doing it all on your own can be overwhelming and stressful. Surrounding yourself with a team will be the easiest way to invest. . . . . #investor #realestateinvestor #realestatementor #realestateinvesting #biggerpockets #rentalproperties #landlordlife #realtorlife #realtorsofinstagram #717 #centralpa #downtownmechanicsburg #harrisburgpa #camphillpa #camphill #houseflipping #househacking #househackingpodcast #biggerpocketsbusiness #grantcardone #daveramsey #realestatebroker #buyingandselling #entrepreneur #entrepreneurlife #sellingrealestate
S•O  V•E•R•Y  C•L•O•S•E

Almost at £50 payout on YouGov after two paid surveys tonight....come on surveys!!
S•O V•E•R•Y C•L•O•S•E Almost at £50 payout on YouGov after two paid surveys tonight....come on surveys!!
Focus on yourself 🌱🤑.
Your mindset, your health, your relationships and you will live a rich life before you have a rich bank accountant. 🌱🤑 #moneymoves #mindsetiseverything #moneygram #debtfreecommunity #debtfree #financialindependence #financialliteracy #financialfreedom #personalfinance #youneedabudget #budget #daveramsey #daveramseybabysteps #millionairemindset #debtsnowball #getoutofdebt #emergencyfund
Focus on yourself 🌱🤑. Your mindset, your health, your relationships and you will live a rich life before you have a rich bank accountant. 🌱🤑 #moneymoves #mindsetiseverything #moneygram #debtfreecommunity #debtfree #financialindependence #financialliteracy #financialfreedom #personalfinance #youneedabudget #budget #daveramsey #daveramseybabysteps #millionairemindset #debtsnowball #getoutofdebt #emergencyfund
My Starting Debt (SD) is $150, 435. That seems like such a massive number to me. In the past I would have felt hopeless about paying it off in my lifetime. But I have since changed my mindset on the entire subject.
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This last year I have been half-assing trying to get out of debt but I haven't been super intense about it. However this year, 2020. On my Birthday. I'm making a real change. ...
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#ImInDebtYall #Coconut #strapped #ballingonabudget #milliennialbudget #strappedforcash #goals #debtfreecommunity #startingdebt #payingoffdebt #babystep1 #financialindependence #debtfreejourney #daveramsey #redhead #redheaded #redheads #redheadedblackgirl #budget #budgeting #brokebutnotpoor  #girlnamedcoconut #coconutchick #debtsnowball #getdebtfree #ineedmymoney #mediumshovel #moneymanagement #choosefi #StrappedCoconuts
My Starting Debt (SD) is $150, 435. That seems like such a massive number to me. In the past I would have felt hopeless about paying it off in my lifetime. But I have since changed my mindset on the entire subject. .🥥. This last year I have been half-assing trying to get out of debt but I haven't been super intense about it. However this year, 2020. On my Birthday. I'm making a real change. ... .🥥. .🥥. .🥥. .🥥. .🥥. .🥥. .🥥. #ImInDebtYall #Coconut #strapped #ballingonabudget #milliennialbudget #strappedforcash #goals #debtfreecommunity #startingdebt #payingoffdebt #babystep1 #financialindependence #debtfreejourney #daveramsey #redhead #redheaded #redheads #redheadedblackgirl #budget #budgeting #brokebutnotpoor #girlnamedcoconut #coconutchick #debtsnowball #getdebtfree #ineedmymoney #mediumshovel #moneymanagement #choosefi #StrappedCoconuts
𝐓𝐡𝐢𝐬 𝐰𝐞𝐞𝐤’𝐬 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐥𝐢𝐭𝐞𝐫𝐚𝐜𝐲 𝐰𝐨𝐫𝐤𝐬𝐡𝐨𝐩𝐬!💰 ⁣
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CEO Jennifer Lammer was back in front of an audience this week to run financial literacy workshops on the topics of credit score, reducing debt & saving more money. ⁣
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We are out to improve financial health for everyday Americans one financial session at a time. 👏🏻⁣
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𝗪𝐚𝐧𝐭 𝐭𝐨 𝐣𝐨𝐢𝐧 𝐮𝐬? 𝐂𝐡𝐞𝐜𝐤 𝐨𝐮𝐭 𝐭𝐡𝐞 𝐥𝐢𝐧𝐤 𝐢𝐧 𝐨𝐮𝐫 𝐛𝐢𝐨!⁣
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𝐓𝐡𝐢𝐬 𝐰𝐞𝐞𝐤’𝐬 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐥𝐢𝐭𝐞𝐫𝐚𝐜𝐲 𝐰𝐨𝐫𝐤𝐬𝐡𝐨𝐩𝐬!💰 ⁣ ⁣ CEO Jennifer Lammer was back in front of an audience this week to run financial literacy workshops on the topics of credit score, reducing debt & saving more money. ⁣ ⁣ We are out to improve financial health for everyday Americans one financial session at a time. 👏🏻⁣ ⁣ 𝗪𝐚𝐧𝐭 𝐭𝐨 𝐣𝐨𝐢𝐧 𝐮𝐬? 𝐂𝐡𝐞𝐜𝐤 𝐨𝐮𝐭 𝐭𝐡𝐞 𝐥𝐢𝐧𝐤 𝐢𝐧 𝐨𝐮𝐫 𝐛𝐢𝐨!⁣ ⁣
You come from a long line of strength. ⁠
You come from women who birthed babies without modern medicine, yet they kept the population going. ⁠
You come from women who couldn’t vote or earn a degree, yet kept pushing for a voice. ⁠
You come from women who have lived through tragedies, yet they didn’t give up. ⁠
You come from women who persevered no matter the circumstances. ⁠
You come from women who suffered so you could soar.⁠
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Their strength was inherited in your bones. ⁠
Their blood runs through your veins. ⁠
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Tap into that greatness.⁠
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Remember that we come from warriors. Honor the women who fought for our current way of life. ⁠
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Sit proudly on the hips of our ancestors. ⁠
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Let them lift us up towards the sky into the greatness that they dreamed of. ⁠
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Then turn around and lift up the next generation. ⁠
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#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #mom #women #empowerment #asunnysideuplife #samiwomack ⁠
⁠#kids #daughters #warrior #love #family #feministmom #financialfeminist #feminist ⁠
You come from a long line of strength. ⁠ You come from women who birthed babies without modern medicine, yet they kept the population going. ⁠ You come from women who couldn’t vote or earn a degree, yet kept pushing for a voice. ⁠ You come from women who have lived through tragedies, yet they didn’t give up. ⁠ You come from women who persevered no matter the circumstances. ⁠ You come from women who suffered so you could soar.⁠ ⁠ Their strength was inherited in your bones. ⁠ Their blood runs through your veins. ⁠ ⁠ Tap into that greatness.⁠ ⁠ Remember that we come from warriors. Honor the women who fought for our current way of life. ⁠ ⁠ Sit proudly on the hips of our ancestors. ⁠ ⁠ Let them lift us up towards the sky into the greatness that they dreamed of. ⁠ ⁠ Then turn around and lift up the next generation. ⁠ ⁠ ⁠ ⁠ #debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #mom #women #empowerment #asunnysideuplife #samiwomack ⁠ ⁠#kids #daughters #warrior #love #family #feministmom #financialfeminist #feminist
Most people have both car and home insurance policies in place in the event that something happens. But what about life insurance?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Life insurance is put in place to pay a sum of money out to your family when you die. Having a policy in place is not preparing for your death, it's simply ensuring that your loved ones are financially secure after you're gone.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Life insurance can cover loss of income, funeral expenses, debt and other financial needs that might come up after you pass away.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It's important that you use a reputable source to secure your policy with. I recommend getting a term life insurance policy, over any other type, because life insurance is to help your family after you're gone, not to be sued an investment vehicle. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Click the link in my bio, and select the '30-Day Money Challenge' button to download a FREE copy of the 30-Day Money Challenge calendar to learn how to transform your finances in just 30 days. 🔗 @pHERsonalfinance⁣⁣⁣⁣⁣⁣⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#debtfreecommunity #debtfreedom #livingonabudget #debtisdumb #babystep2 #debtfreegoals #personalfinance #moneygoals #budgets #personalfinanceforwomen #financialpeace #savingmoney #onabudget #creditcards #thinkandgrowrich #credittips #payoffdebt #moneysavingtips #savingmoneytips #moneymindset #blackgirlbloggers #millennialmoney #financialempowerment #budgetlife #daveramsey #debtfreeliving #financialindependence #payoffdebt #moneymatters #gazelleintense
Most people have both car and home insurance policies in place in the event that something happens. But what about life insurance?⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Life insurance is put in place to pay a sum of money out to your family when you die. Having a policy in place is not preparing for your death, it's simply ensuring that your loved ones are financially secure after you're gone.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Life insurance can cover loss of income, funeral expenses, debt and other financial needs that might come up after you pass away.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ It's important that you use a reputable source to secure your policy with. I recommend getting a term life insurance policy, over any other type, because life insurance is to help your family after you're gone, not to be sued an investment vehicle. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Click the link in my bio, and select the '30-Day Money Challenge' button to download a FREE copy of the 30-Day Money Challenge calendar to learn how to transform your finances in just 30 days. 🔗 @pHERsonalfinance⁣⁣⁣⁣⁣⁣⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ #debtfreecommunity #debtfreedom #livingonabudget #debtisdumb #babystep2 #debtfreegoals #personalfinance #moneygoals #budgets #personalfinanceforwomen #financialpeace #savingmoney #onabudget #creditcards #thinkandgrowrich #credittips #payoffdebt #moneysavingtips #savingmoneytips #moneymindset #blackgirlbloggers #millennialmoney #financialempowerment #budgetlife #daveramsey #debtfreeliving #financialindependence #payoffdebt #moneymatters #gazelleintense
This is a big deal.

Something that nobody really knows is I have been TERRIBLE with credit cards for years.

I was one of the people that turned 18 and thought “oh cool, free money” and went swipe crazy. 
I would pay them off with income tax and then rack them back up until the following years return came.

I am posting this on social media because @saramarie754 and I are going to get all of our current debt paid off and use cash for everything we need. 
I want to stay accountable, just like I did and still do on my fitness lifestyle change.

The main reason I changed my mindset and wanted to focus more on our family finance is from @laurajulaine “finance Friday” posts! 
So here is roughly $6,000 of credit cards damaged and bent up!

Do you have your finances under control?!
This is a big deal. Something that nobody really knows is I have been TERRIBLE with credit cards for years. I was one of the people that turned 18 and thought “oh cool, free money” and went swipe crazy. I would pay them off with income tax and then rack them back up until the following years return came. I am posting this on social media because @saramarie754 and I are going to get all of our current debt paid off and use cash for everything we need. I want to stay accountable, just like I did and still do on my fitness lifestyle change. The main reason I changed my mindset and wanted to focus more on our family finance is from @laurajulaine “finance Friday” posts! So here is roughly $6,000 of credit cards damaged and bent up! Do you have your finances under control?!
Paid an extra $150 towards my lowest student loans the day before payday! 😁 that extra payment is more than my required minimum monthly payment 👏🏻👌🏻
Paid an extra $150 towards my lowest student loans the day before payday! 😁 that extra payment is more than my required minimum monthly payment 👏🏻👌🏻
How do you eat an elephant? One bite at a time. ⁠⠀
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How do you pay off all of your debt? One payment at a time. ⁠⠀
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How do you save for an emergency fund or a down payment? One paycheck at a time.⁠⠀
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Sometimes when we focus on the big picture we can get overwhelmed and bogged down. If this is you right now then it's time to start focusing on each individual step! ⁠⠀
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What can you do right now to get you closer to your goals?⁠⠀
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⁠⠀ #stresslevel  #daveramsey  #stressedaf  #financialfreedom💰  #financetips  #debtfreeliving  #letitallgo  #ownyourlife  #financiallyfree  #millennialproblems  #sostressed  #minimalistlife  #debtfreeaf  #debtsnowball  #minimalistliving  #stressrelieving  #marriedaf  #hubbynwifey  #stressfreelife  #overworked  #debtfreelife  #stressfreezone  #lovetorewear  #financegoals  #financialindependence  #relievestress  #leadwithlove  #overwhelm  #debtfreegoals  #youngadults
How do you eat an elephant? One bite at a time. ⁠⠀ ⁠⠀ How do you pay off all of your debt? One payment at a time. ⁠⠀ ⁠⠀ How do you save for an emergency fund or a down payment? One paycheck at a time.⁠⠀ ⁠⠀ Sometimes when we focus on the big picture we can get overwhelmed and bogged down. If this is you right now then it's time to start focusing on each individual step! ⁠⠀ ⁠⠀ What can you do right now to get you closer to your goals?⁠⠀ ⁠⠀ ⁠⠀ ⁠⠀ #stresslevel #daveramsey #stressedaf #financialfreedom💰 #financetips #debtfreeliving #letitallgo #ownyourlife #financiallyfree #millennialproblems #sostressed #minimalistlife #debtfreeaf #debtsnowball #minimalistliving #stressrelieving #marriedaf #hubbynwifey #stressfreelife #overworked #debtfreelife #stressfreezone #lovetorewear #financegoals #financialindependence #relievestress #leadwithlove #overwhelm #debtfreegoals #youngadults
First pay day of the 2020 for me!! Back to work this week and the thought was worse than the reality! I don’t even think they missed me! 😂 -
The most exciting news of the week I got paid!!! So nice to have money coming in again!! I have decided to #budgetbypaycheck as it seems to the most suitable for me! :
So the details:
As we have been lucky enough to try to do a #nochildcareyear this morning I transferred what we would have spent on #childcare into our #savings. :
I have also set up some #sinkingfunds in my Revolut account: 
1️⃣ Birthdays
2️⃣ Holiday Spending Money
3️⃣ Holiday Clothes
4️⃣ Hair & Beauty
5️⃣ Groceries
6️⃣ Petrol
7️⃣ Personal Allowance -
We have a family wedding abroad in May so most of our spare money is going into that. After May that extra money will be going into savings! -
I’m really hoping we can stick to our budget, I’m definitely excited to try! 
#budgeting #budget #payday #mindfulspending #debtfreecommunity #debtfreejourney #money #moneytalks #makingmoneywork #daveramsey #excelbudgets #networth #spend
First pay day of the 2020 for me!! Back to work this week and the thought was worse than the reality! I don’t even think they missed me! 😂 - The most exciting news of the week I got paid!!! So nice to have money coming in again!! I have decided to #budgetbypaycheck as it seems to the most suitable for me! : So the details: As we have been lucky enough to try to do a #nochildcareyear this morning I transferred what we would have spent on #childcare into our #savings. : I have also set up some #sinkingfunds in my Revolut account: 1️⃣ Birthdays 2️⃣ Holiday Spending Money 3️⃣ Holiday Clothes 4️⃣ Hair & Beauty 5️⃣ Groceries 6️⃣ Petrol 7️⃣ Personal Allowance - We have a family wedding abroad in May so most of our spare money is going into that. After May that extra money will be going into savings! - I’m really hoping we can stick to our budget, I’m definitely excited to try! #budgeting #budget #payday #mindfulspending #debtfreecommunity #debtfreejourney #money #moneytalks #makingmoneywork #daveramsey #excelbudgets #networth #spend
You can’t win with your money if you’re in debt. — Rachel Cruze .
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I love following @rachelcruze and @daveramsey for money saving tips. One of my personal goals is to be debt free. Debt free to me is no payments...not even a house payment. Three years left and I’ll hit our big family goal! I have 4 years until my daughter starts college so it’s always been a goal of mine to get rid of our debt before she enters college. This allows us the freedom to help our kids giving them the best financial start as they kick off their careers.

Set a family goal for your finances and work together as a team. You need to be on the same page as it will take sacrifices along your debt free journey. (Ask my hubby as he has had the same truck for 14.5 years. 😜 This has been a huge help but honestly no vehicle payments in general for the last 14 years has helped us get ahead and allowed us to take more family trips and make some bigger purchases for our family.) DM me if you want more money saving tips.
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#daveramseyplan #daveramseybudget #finance #daveramseycommunity #daveramsey #debtfree #rachelcruzeinspired #rachelcruzeshow #dailydose #rachelcruze #financialfreedom #debtfreejourney  #debtfreecommunity #debtfreegoals #debtfreelife #nopayments #nocarpayments #nocreditcarddebt #familygoals #moneysavingtips #tightass #besmart #triciaheislen #thdailydose #dailydose #workhard
You can’t win with your money if you’re in debt. — Rachel Cruze . . I love following @rachelcruze and @daveramsey for money saving tips. One of my personal goals is to be debt free. Debt free to me is no payments...not even a house payment. Three years left and I’ll hit our big family goal! I have 4 years until my daughter starts college so it’s always been a goal of mine to get rid of our debt before she enters college. This allows us the freedom to help our kids giving them the best financial start as they kick off their careers. Set a family goal for your finances and work together as a team. You need to be on the same page as it will take sacrifices along your debt free journey. (Ask my hubby as he has had the same truck for 14.5 years. 😜 This has been a huge help but honestly no vehicle payments in general for the last 14 years has helped us get ahead and allowed us to take more family trips and make some bigger purchases for our family.) DM me if you want more money saving tips. . . . . . . . . . . . . . . . . . . #daveramseyplan #daveramseybudget #finance #daveramseycommunity #daveramsey #debtfree #rachelcruzeinspired #rachelcruzeshow #dailydose #rachelcruze #financialfreedom #debtfreejourney #debtfreecommunity #debtfreegoals #debtfreelife #nopayments #nocarpayments #nocreditcarddebt #familygoals #moneysavingtips #tightass #besmart #triciaheislen #thdailydose #dailydose #workhard
💲THIS WHY WE SAVE
💲THIS IS WHY WE HAVE EMERGENCY FUNDS

PEOPLE! The Dow has dropped the most it ever has in history! Now is the time to buy! Stocks on discount! Go go go! .
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#finance #budget #budgettips #motivation #money #behavior #financialfreedom #moneytips #FIREcommunity #smartmoney #debtfreejourney #noregrets #freedom #debt #getoutofdebt #cash #choice #entrepeneur #wealth #save #invest #mentor #wealthbuildingcrew #retire #passiveincome #daveramsey #getoutofdebt #debtfreecommunity #debtfree #invest #creditcard
💲THIS WHY WE SAVE 💲THIS IS WHY WE HAVE EMERGENCY FUNDS PEOPLE! The Dow has dropped the most it ever has in history! Now is the time to buy! Stocks on discount! Go go go! . . . . . #finance #budget #budgettips #motivation #money #behavior #financialfreedom #moneytips #FIREcommunity #smartmoney #debtfreejourney #noregrets #freedom #debt #getoutofdebt #cash #choice #entrepeneur #wealth #save #invest #mentor #wealthbuildingcrew #retire #passiveincome #daveramsey #getoutofdebt #debtfreecommunity #debtfree #invest #creditcard
Fun fact: I went #urbanexploring in Detroit soon after I moved there for my job! I went with one of my then-roommates who does stuff like this all the time (please only do this if you’re with someone who knows what they’re doing!!). There are still a lot of abandoned buildings like this in the not-so-great parts of town.

Speaking of Detroit, I wrote a blog post about what I spend in a week as a 24-year-old (following the YouTube trend, I know). I think it’s an interesting insight to see where your money goes and to gain perspective on what others your age are spending on💸 I’m not an internet-famous Youtuber who makes a ton of money, so my situation is probably a bit more relatable than the videos you’ve seen.

Check out the post at the link in my bio, more blog stuff is coming this weekend🎉

#newblogger #millennialmoney #moneyblog #millennialblogger #moneyblogger #midwestblogger #debtfreecommunity #studentloans #studentloanpayoff #detroitblogger #budgeting #whatispendinaweek #personalfinance #lifestyleblogger #communityovercompetion #commcreators #detroitmichigan #detroit #daveramsey #babystep2 #collegeblogger #adulting #meganmakessense #discoverunder500 #parttimeblogger #engineer #exploredetroit #the313
Fun fact: I went #urbanexploring in Detroit soon after I moved there for my job! I went with one of my then-roommates who does stuff like this all the time (please only do this if you’re with someone who knows what they’re doing!!). There are still a lot of abandoned buildings like this in the not-so-great parts of town. Speaking of Detroit, I wrote a blog post about what I spend in a week as a 24-year-old (following the YouTube trend, I know). I think it’s an interesting insight to see where your money goes and to gain perspective on what others your age are spending on💸 I’m not an internet-famous Youtuber who makes a ton of money, so my situation is probably a bit more relatable than the videos you’ve seen. Check out the post at the link in my bio, more blog stuff is coming this weekend🎉 #newblogger #millennialmoney #moneyblog #millennialblogger #moneyblogger #midwestblogger #debtfreecommunity #studentloans #studentloanpayoff #detroitblogger #budgeting #whatispendinaweek #personalfinance #lifestyleblogger #communityovercompetion #commcreators #detroitmichigan #detroit #daveramsey #babystep2 #collegeblogger #adulting #meganmakessense #discoverunder500 #parttimeblogger #engineer #exploredetroit #the313
Whoooooooop there it is. Debt is falling off so fast when we budget and be intentional. 3 MORE DEBTS TO GO AND WE ARE DEBT FREE MINUS THE HOME! this does not include my annual bonus around 12k after taxes in December and our tax return. Hoping that will pay the rest of the next loan and most of school loan to make is faster payoff. -
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Budget 
It looks hard to start but do it 
It’s worth it
Feels so much lighter of stress
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Do it this weekend before March starts! I dare you.... #babysteps #zerobasedbudget #hustlewithease #debt #debtfreecommunity #babysteps #daveramsey @daveramsey @rachelcruze
Whoooooooop there it is. Debt is falling off so fast when we budget and be intentional. 3 MORE DEBTS TO GO AND WE ARE DEBT FREE MINUS THE HOME! this does not include my annual bonus around 12k after taxes in December and our tax return. Hoping that will pay the rest of the next loan and most of school loan to make is faster payoff. - - Budget It looks hard to start but do it It’s worth it Feels so much lighter of stress - Do it this weekend before March starts! I dare you.... #babysteps #zerobasedbudget #hustlewithease #debt #debtfreecommunity #babysteps #daveramsey @daveramsey @rachelcruze
FEBRUARY NUMBERS!⁣
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Snowball pause means our savings (green) will be greater than our debt payments (pink) for a while. And that’s okay. (Me telling myself that it’s okay lol)⁣
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Thanks to our tax refund, we were able to fully replenish our EF, breathe some life into our family savings, and start adding to our “unexpected savings” - (aka SAVINGS 2). ⁣
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March is going to be a busy month, but we’ve got a game plan down, to keep us focused on reaching our savings goals, so we can get back to paying extra toward debt, ASAP. ⁣
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TYL for Your provision. Thank you most of all, for my hardworking husband.❤️ #everybitcounts
FEBRUARY NUMBERS!⁣ ⁣ Snowball pause means our savings (green) will be greater than our debt payments (pink) for a while. And that’s okay. (Me telling myself that it’s okay lol)⁣ ⁣ Thanks to our tax refund, we were able to fully replenish our EF, breathe some life into our family savings, and start adding to our “unexpected savings” - (aka SAVINGS 2). ⁣ ⁣ March is going to be a busy month, but we’ve got a game plan down, to keep us focused on reaching our savings goals, so we can get back to paying extra toward debt, ASAP. ⁣ ⁣ TYL for Your provision. Thank you most of all, for my hardworking husband.❤️ #everybitcounts
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