#debtfreegoals

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Confession: I’m really bad at saving money. But thanks to @thebudgetmom and her methods (including hella cute cash envelopes) I’m getting better all the time 💰 Also, #handstand
Confession: I’m really bad at saving money. But thanks to @thebudgetmom and her methods (including hella cute cash envelopes) I’m getting better all the time 💰 Also, #handstand
The kitchen table.⁣
The couch.⁣
The bed.⁣
The car.⁣
The beach.⁣
The park.⁣
The bathroom at work.⁣
A coffee shop.⁣
A tent.⁣
A hotel.⁣
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Those are all places that I’ve worked my business (there are probably more that I just can’t think of at the moment). Partially because I was busy AF and partially because I love to travel! I worked the business whenever + whenever I could MAKE time.⁣
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Now, I have my own little office + room (aka the spare bedroom in my parents place) to continue to take work on myself and to help others find that inner happiness and get fit! ✌️🙌⁣
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The thing is, you just have to have a DRIVE for helping people, a big enough WHY to keep you going and a device to do it on!⁣
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#ilovemyjob #livefreewellness
The kitchen table.⁣ The couch.⁣ The bed.⁣ The car.⁣ The beach.⁣ The park.⁣ The bathroom at work.⁣ A coffee shop.⁣ A tent.⁣ A hotel.⁣ .⁣ .⁣ Those are all places that I’ve worked my business (there are probably more that I just can’t think of at the moment). Partially because I was busy AF and partially because I love to travel! I worked the business whenever + whenever I could MAKE time.⁣ .⁣ .⁣ Now, I have my own little office + room (aka the spare bedroom in my parents place) to continue to take work on myself and to help others find that inner happiness and get fit! ✌️🙌⁣ .⁣ .⁣ The thing is, you just have to have a DRIVE for helping people, a big enough WHY to keep you going and a device to do it on!⁣ ⁣ #ilovemyjob #livefreewellness
I am a huge coffee mug collector. I recently got this mug for only a couple dollars. It is great to celebrate St Patrick’s day but also really speaks to me. I am lucky!! Life can be hard sometimes but I am lucky to be where I am. Finding the DFC has been life changing for me and my family and I am so lucky to have you all!! #blessed #blessedandcoffeeobsessed #coffeemug #lucky #debtfree #debtfreegoals #debtfreecommunity #debtfreejourney #daveramseybabysteps
I am a huge coffee mug collector. I recently got this mug for only a couple dollars. It is great to celebrate St Patrick’s day but also really speaks to me. I am lucky!! Life can be hard sometimes but I am lucky to be where I am. Finding the DFC has been life changing for me and my family and I am so lucky to have you all!! #blessed #blessedandcoffeeobsessed #coffeemug #lucky #debtfree #debtfreegoals #debtfreecommunity #debtfreejourney #daveramseybabysteps
May 12th 2020 marks the last day of my spring term & masters program! I can’t believe I’m literally 5.5 credits away. Education ✅ debt-free & financial freedom next ✅
May 12th 2020 marks the last day of my spring term & masters program! I can’t believe I’m literally 5.5 credits away. Education ✅ debt-free & financial freedom next ✅
Becoming debt free happens at the intersection of “I’ve had enough” and “I have enough”. What was your “I’ve had enough” moment? Mine was when we were paying $1100/month(between the lease, insurance and gas) for a truck we didn’t need and were so house poor, we were literally going into debt every month just to “survive”. We realized we weren’t even trying to climb out of the hole we put ourselves in, but that we were still digging  the hole deeper. Yikes. Our first budget was a wake up call. What was your moment? #ivehadenough #ihaveenough #fedup #motivated #debtfree #debtfreegoals #insp #quotes #debtquotes #daveramsey #makeyourdreamsreality #dreambig #trendingnow #intersection #crossroads #changeyourlife #familytree #changeyourfamilytree #mindsetmatters #mindset #mindsetiseverything #mindovermatter #mindfulness #minimalism #minimalist #mariekondo #clutterfree #mariekondomethod
Becoming debt free happens at the intersection of “I’ve had enough” and “I have enough”. What was your “I’ve had enough” moment? Mine was when we were paying $1100/month(between the lease, insurance and gas) for a truck we didn’t need and were so house poor, we were literally going into debt every month just to “survive”. We realized we weren’t even trying to climb out of the hole we put ourselves in, but that we were still digging the hole deeper. Yikes. Our first budget was a wake up call. What was your moment? #ivehadenough #ihaveenough #fedup #motivated #debtfree #debtfreegoals #insp #quotes #debtquotes #daveramsey #makeyourdreamsreality #dreambig #trendingnow #intersection #crossroads #changeyourlife #familytree #changeyourfamilytree #mindsetmatters #mindset #mindsetiseverything #mindovermatter #mindfulness #minimalism #minimalist #mariekondo #clutterfree #mariekondomethod
It’s GO TIME!!!!! ▪️So jazzed to finally tackle 213,000 of DEBT (Read: you’re hard earned money going to OTHER people) ▪️ you do NOT “have to” be in debt. It’s okay to not be normal, to be ‘abnormal’, because you can be extraordinary. Your ability to grow wealth limitless- if you just get out of the darn debt. ▪️ budgeting is hard - but it’s step one. Go, do, be abnormal in the best way possible
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#debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #debtsnowball #budgeting #budget #money #motivation #accountability #partner #moneygram #moneymoves #daveramseybabysteps #financialfreedom #finance #financialliteracy #yougotthis #youcandoit #commitment #committed #blog #blogger #bloggerlife #bloggersofinstagram #blogpost #bloggers
It’s GO TIME!!!!! ▪️So jazzed to finally tackle 213,000 of DEBT (Read: you’re hard earned money going to OTHER people) ▪️ you do NOT “have to” be in debt. It’s okay to not be normal, to be ‘abnormal’, because you can be extraordinary. Your ability to grow wealth limitless- if you just get out of the darn debt. ▪️ budgeting is hard - but it’s step one. Go, do, be abnormal in the best way possible . . . . . #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #debtsnowball #budgeting #budget #money #motivation #accountability #partner #moneygram #moneymoves #daveramseybabysteps #financialfreedom #finance #financialliteracy #yougotthis #youcandoit #commitment #committed #blog #blogger #bloggerlife #bloggersofinstagram #blogpost #bloggers
𝑻𝒉𝒆 𝑷𝒐𝒘𝒆𝒓 𝑶𝒇 𝑪𝒐𝒎𝒑𝒖𝒏𝒅𝒊𝒏𝒈, 𝑮𝒓𝒐𝒘 𝑽𝒆𝒓𝒕𝒊𝒄𝒂𝒍. 💵 📈⠀
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Follow @billzbillzfinancials⠀
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DM me to book a call 📞⠀
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𝑺𝒕𝒂𝒓𝒕 𝒀𝒐𝒖𝒓 𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝑰𝒏𝒅𝒆𝒑𝒆𝒏𝒄𝒆 𝑱𝒐𝒖𝒓𝒏𝒆𝒚 𝑭𝒓𝒐𝒎 𝑻𝒐𝒅𝒂𝒚. 💮⠀
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#financialliteracy #financialplanner #financialadvisor #financialpeaceuniversity #financialtimes #financialeducation  #financialdomination #financialservices #financialpeace #financialgoals #financialtips #financialcoaching #financialintelligence #creditcoach #buildcredit #buildingcredit #financialplanning #creditrecovery #debtfreecommunityv#debtfreegoals #debtsucks #payingoffdebt #debtfreefuture debtfreeby30 #savingmoneytips #creditscores #creditscoreincrease #creditscoresmatter #moneysavingtips #savingmoneyisfun #debtfreeliving
𝑻𝒉𝒆 𝑷𝒐𝒘𝒆𝒓 𝑶𝒇 𝑪𝒐𝒎𝒑𝒖𝒏𝒅𝒊𝒏𝒈, 𝑮𝒓𝒐𝒘 𝑽𝒆𝒓𝒕𝒊𝒄𝒂𝒍. 💵 📈⠀ .⠀ Follow @billzbillzfinancials⠀ .⠀ DM me to book a call 📞⠀ .⠀ 𝑺𝒕𝒂𝒓𝒕 𝒀𝒐𝒖𝒓 𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝑰𝒏𝒅𝒆𝒑𝒆𝒏𝒄𝒆 𝑱𝒐𝒖𝒓𝒏𝒆𝒚 𝑭𝒓𝒐𝒎 𝑻𝒐𝒅𝒂𝒚. 💮⠀ .⠀ .⠀ .⠀ .⠀ .⠀ #financialliteracy #financialplanner #financialadvisor #financialpeaceuniversity #financialtimes #financialeducation #financialdomination #financialservices #financialpeace #financialgoals #financialtips #financialcoaching #financialintelligence #creditcoach #buildcredit #buildingcredit #financialplanning #creditrecovery #debtfreecommunityv#debtfreegoals #debtsucks #payingoffdebt #debtfreefuture debtfreeby30 #savingmoneytips #creditscores #creditscoreincrease #creditscoresmatter #moneysavingtips #savingmoneyisfun #debtfreeliving
Holy moly!
Saved $27 on my fuel!
The total was $96.83 and I wanted to cry! Lucky I had it locked in for a much better price and it came down to $69.83!! As I walked out the door I re-locked a great price in. For some reason one of the petrol stations is always cheaper, but further from me so fuel lock with 7-eleven it is!
Oh and you get some freebies and good discounts on the app too!
#debtfreegoals #debtfreedreamsandme #whyispetrolalwaysexpensive
Holy moly! Saved $27 on my fuel! The total was $96.83 and I wanted to cry! Lucky I had it locked in for a much better price and it came down to $69.83!! As I walked out the door I re-locked a great price in. For some reason one of the petrol stations is always cheaper, but further from me so fuel lock with 7-eleven it is! Oh and you get some freebies and good discounts on the app too! #debtfreegoals #debtfreedreamsandme #whyispetrolalwaysexpensive
Reposted from @barebudgets 💥Don’t leave Q1 with trash finances ⁣⁣
❌The Bare Budgets Workshop is just around the corner! ⁣⁣
💡 Use this opportunity to learn a better way⁣⁣
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🧾Bring all your #𝐛𝐢𝐥𝐥𝐬 and #𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬 and let’s work through it together⁣⁣
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🗣You only get 1 life why struggle through the whole things if you don’t have to.⁣⁣
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👥This is a 𝐬𝐚𝐟𝐞 𝐬𝐩𝐚𝐜𝐞 to #𝐥𝐞𝐚𝐫𝐧, #𝐠𝐫𝐨𝐰 and #𝐝𝐞𝐯𝐞𝐥𝐨𝐩 a financial plan for your future⁣⁣
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👉🏽Use the 𝐋𝐈𝐍𝐊 𝐈𝐍 𝐓𝐇𝐄 𝐁𝐈𝐎 to purchase your tickets today !⁣⁣
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Shout out to @dovecotecafe for hosting, 𝗪𝐞 𝐀𝐩𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐞 𝐘𝐎𝐔 ☕️ 🖤⁣⁣
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💰💰💰💰💰💰💰💰💰💰💰💰💰⁣⁣
#financialfreedom #dmv #debtfreegoals #plannercommunity #financialliteracy #blackownedbusiness #dmvmakeupartist  #dmvnails  #dmvnailtech  #dmvbraider  #dmvnailsalon #moneytips #moneytalks #moneyquotes #smallbusinessfinance  #debtfreecommunity  #payoffdebt #baltimorerealestate #moneymoves #wealthmindset #bmoresmallbusiness #mompreneur #baltimorebusiness #financecoach⁣⁣
Reposted from @barebudgets 💥Don’t leave Q1 with trash finances ⁣⁣ ❌The Bare Budgets Workshop is just around the corner! ⁣⁣ 💡 Use this opportunity to learn a better way⁣⁣ ⁣⁣ 🧾Bring all your #𝐛𝐢𝐥𝐥𝐬 and #𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬 and let’s work through it together⁣⁣ ⁣⁣ 🗣You only get 1 life why struggle through the whole things if you don’t have to.⁣⁣ ⁣⁣ 👥This is a 𝐬𝐚𝐟𝐞 𝐬𝐩𝐚𝐜𝐞 to #𝐥𝐞𝐚𝐫𝐧, #𝐠𝐫𝐨𝐰 and #𝐝𝐞𝐯𝐞𝐥𝐨𝐩 a financial plan for your future⁣⁣ ⁣⁣ 👉🏽Use the 𝐋𝐈𝐍𝐊 𝐈𝐍 𝐓𝐇𝐄 𝐁𝐈𝐎 to purchase your tickets today !⁣⁣ ⁣⁣ Shout out to @dovecotecafe for hosting, 𝗪𝐞 𝐀𝐩𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐞 𝐘𝐎𝐔 ☕️ 🖤⁣⁣ ⁣⁣ 💰💰💰💰💰💰💰💰💰💰💰💰💰⁣⁣ #financialfreedom #dmv #debtfreegoals #plannercommunity #financialliteracy #blackownedbusiness #dmvmakeupartist #dmvnails #dmvnailtech #dmvbraider #dmvnailsalon #moneytips #moneytalks #moneyquotes #smallbusinessfinance  #debtfreecommunity #payoffdebt #baltimorerealestate #moneymoves #wealthmindset #bmoresmallbusiness #mompreneur #baltimorebusiness #financecoach⁣⁣
Tracking your spending is one of the most important steps in becoming #debtfree and pursuing #financialindependence. Be conscious of your spending habits. Do you really need that random home-good item from Target that is on sale but you actually don’t need?Nope. You don’t. Put it down. Walk out of Target (I know it’s hard, I love Target too!) .
That little bit of money adds up over time. You can put it towards debt, build your savings account or invest it. No matter what you do, saving that money will start to help you buy your future back. Every dollar you save is one less you have to work for later. Save your money folks, you deserve a happier life. .
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#financialfreedom #budgeting #budgetingtips #frugal #firemovement #ficommunity #debtfreegoals #debtfreejourney #fire #purposedrivenlife #investinyourself #inthesearchof
Tracking your spending is one of the most important steps in becoming #debtfree and pursuing #financialindependence. Be conscious of your spending habits. Do you really need that random home-good item from Target that is on sale but you actually don’t need?Nope. You don’t. Put it down. Walk out of Target (I know it’s hard, I love Target too!) . That little bit of money adds up over time. You can put it towards debt, build your savings account or invest it. No matter what you do, saving that money will start to help you buy your future back. Every dollar you save is one less you have to work for later. Save your money folks, you deserve a happier life. . . . . . . . #financialfreedom #budgeting #budgetingtips #frugal #firemovement #ficommunity #debtfreegoals #debtfreejourney #fire #purposedrivenlife #investinyourself #inthesearchof
We’ve been talking a lot about debt recently!  I’m going to continue over the next week and then I’ll give it a break.  I promise! -

Debt can and continues to take over people’s lives if they don’t keep their borrowing in check. -

I stress the debt talk because I know there are many young people out there without debt.  I want to encourage you to live a life debt free except for your mortgage.  Don’t let others tell you, you need to finance that 🚗 or just put things you want on 💳 without paying it off each month.  Have a 💰mindset. -

In our most recent video, we take a look at those 6 ways to save and pay off debt as well as summarize the debt snowball and debt avalanche. ◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️ 👉Follow @gymclassfinance on Instagram and YouTube 🎥
We’ve been talking a lot about debt recently! I’m going to continue over the next week and then I’ll give it a break. I promise! - Debt can and continues to take over people’s lives if they don’t keep their borrowing in check. - I stress the debt talk because I know there are many young people out there without debt. I want to encourage you to live a life debt free except for your mortgage. Don’t let others tell you, you need to finance that 🚗 or just put things you want on 💳 without paying it off each month. Have a 💰mindset. - In our most recent video, we take a look at those 6 ways to save and pay off debt as well as summarize the debt snowball and debt avalanche. ◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️ 👉Follow @gymclassfinance on Instagram and YouTube 🎥
Don’t sink, Swim!! I promise we gotcha!! Let us at Opticredit Repair help you be financially free.  Click the #linkinbio!  What are you waiting for? #opticreditrepair
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#financialfreedom #financialjourney #creditconsultant #debtfree #explorer #debtcoach #debtfreecommunity #debtfreejourney #debtfreelife #debtfreegoals #debtfreefamily #moneygoals #financialfreedom #personalfinance #buildwealth #goaldigger #mamabudget #cashbudget
Ok, lets get real!!! I am fairly new, but would love to get to know more about people and talk about things that people dont like to mention. Ask me anything!  #lifeonabudget #debtfreejourney #budgetmum #budgetliving #debtfreecommunity #livingonabudget #budgetingtips #frugalliving #frugalmum #budget #money #organisedmum #makingmoneyfromhome #ozdebtfreejourney #makingmoneyonline #sideincome #sidehustle #sidehustlegoals  #debtfreegoals #moneymoneymoney #askme
Anyone else have this problem😂 our grocery budget and meal planning is our biggest struggle.. #debtfreejourney #debtfreegoals #debtfreedreamin #budgeting
Anyone else have this problem😂 our grocery budget and meal planning is our biggest struggle.. #debtfreejourney #debtfreegoals #debtfreedreamin #budgeting
Today I was off of work for Ski week I think it’s called. I decided to take some surveys while my crew napped. I ended up being able to take 4 surveys at $10 a pop🤑 We are planning a trip to Disneyland in April and all money will go toward eating out during our trip. I’m feeling super motivated to take more tomorrow if I qualify. #debtfreecommunity #debtfreejourney #debtfreegoals #babystep2
Today I was off of work for Ski week I think it’s called. I decided to take some surveys while my crew napped. I ended up being able to take 4 surveys at $10 a pop🤑 We are planning a trip to Disneyland in April and all money will go toward eating out during our trip. I’m feeling super motivated to take more tomorrow if I qualify. #debtfreecommunity #debtfreejourney #debtfreegoals #babystep2
I had my compensation meeting today at work, and I found out that I’d be receiving a nearly five-figure bonus (my biggest one yet) based on getting a perfect performance review 😬⁣
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I’ll also be getting a 3% raise, but I’ll leave that for another post. ⁣
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When I learned that I received an excellent review at the end of last year, I instantly calculated an estimate of how much my bonus would be (yes, I’m a math nerd lol) and I was spot on. Seeing it in writing today felt so surreal. ⁣
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Following the advice I give you guys, I wanted to make a plan for this money before it hits our account next week so that it doesn’t get spent unnecessarily. ⁣
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I promised my husband that we could each get a gift. He’s been wanting an Apple Watch and you guys know I need to replace my ancient computer so this is the perfect time to do so. My daughter is still opening Christmas gifts and doesn’t need anything else 😩⁣
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We’re planning a family vacay for the summer so I want to start saving for that now, and I also wanted to add to our home and auto maintenance sinking funds. ⁣
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10% is definitely due to God because without him this wouldn’t even be possible. ⁣
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And IRS takes their money off top 🙄 can’t wait until we’re debt free so that I can forgo paying these taxes and instead deposit 100% of my bonus into my 401k account, but I digress. ⁣
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What’s left is going directly to the student loans. And I think we’ll be able to pay off TWO this month 😳 Of course I’d like to put more, but priorities. ⁣
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Do you get bonuses at work? How do you plan to spend it?
I had my compensation meeting today at work, and I found out that I’d be receiving a nearly five-figure bonus (my biggest one yet) based on getting a perfect performance review 😬⁣ ⁣ I’ll also be getting a 3% raise, but I’ll leave that for another post. ⁣ ⁣ When I learned that I received an excellent review at the end of last year, I instantly calculated an estimate of how much my bonus would be (yes, I’m a math nerd lol) and I was spot on. Seeing it in writing today felt so surreal. ⁣ ⁣ Following the advice I give you guys, I wanted to make a plan for this money before it hits our account next week so that it doesn’t get spent unnecessarily. ⁣ ⁣ I promised my husband that we could each get a gift. He’s been wanting an Apple Watch and you guys know I need to replace my ancient computer so this is the perfect time to do so. My daughter is still opening Christmas gifts and doesn’t need anything else 😩⁣ ⁣ We’re planning a family vacay for the summer so I want to start saving for that now, and I also wanted to add to our home and auto maintenance sinking funds. ⁣ ⁣ 10% is definitely due to God because without him this wouldn’t even be possible. ⁣ ⁣ And IRS takes their money off top 🙄 can’t wait until we’re debt free so that I can forgo paying these taxes and instead deposit 100% of my bonus into my 401k account, but I digress. ⁣ ⁣ What’s left is going directly to the student loans. And I think we’ll be able to pay off TWO this month 😳 Of course I’d like to put more, but priorities. ⁣ ⁣ Do you get bonuses at work? How do you plan to spend it?
I’ve been loving my @mywealthdiary dashboard. I track every single dollar that I spend. There’s a sheet that breaks everything down by quarter and here are my Q1 numbers so far. We’re about halfway through the quarter. I CANNOT wait until I’m debt free. My savings & investing rate is about to be 🔥🔥🔥. •
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Do you track your spending? How do you keep track? Also this is not an ad y’all I legit just love this dashboard.
I’ve been loving my @mywealthdiary dashboard. I track every single dollar that I spend. There’s a sheet that breaks everything down by quarter and here are my Q1 numbers so far. We’re about halfway through the quarter. I CANNOT wait until I’m debt free. My savings & investing rate is about to be 🔥🔥🔥. • • Do you track your spending? How do you keep track? Also this is not an ad y’all I legit just love this dashboard.
You may have noticed we’ve been posting a lot of videos lately.

That’s because we’ve finally launched our YouTube channel!

Subscribe to Mindful Money Habits for ideas, lessons, and money tips.
✨The link is in our bio!
You may have noticed we’ve been posting a lot of videos lately. That’s because we’ve finally launched our YouTube channel! Subscribe to Mindful Money Habits for ideas, lessons, and money tips. ✨The link is in our bio!
Did a quick check on our super / retirement savings this morning and between our two funds we currently have about $90k. Mine is sitting higher than average for my age at around $60,000 while J’s is sitting lower than recommended for her age at around $30,000. Mine is high as I’ve been working for the government for 5 years and they pay a higher contribution rate to a standard job. I’ve also been working either high part time hours or full time since I was 16 years old. J’s is low as she wasn’t working for several years when she was a carer for her Nanna and then last year made a lump sum withdrawal to pay for some medical costs under compassionate grounds. We’re content with the amount that’s in there at this point in time and are currently deciding if we will make extra contributions once debt free or focus on investing. #australiandebtfreecommunity #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #debtfreelife #debtfreeliving #debtfreedom #debtfreedreams #debtfreeaf #debtfreeaustralians #debtfreefuture #daveramsey #daveramseybabysteps #daveramseywouldbeproud #barefootinvestor #barefooting #minimalism #minimalist #cashenvelopes #cashenvelopesystem #budgeting #budget #thedebtfreecommunity #debtfreeaustralia #debtfreeisthenewsexy #debtfreeisthewaytobe #budgetliving #budgetlifestyle #budgethome
Did a quick check on our super / retirement savings this morning and between our two funds we currently have about $90k. Mine is sitting higher than average for my age at around $60,000 while J’s is sitting lower than recommended for her age at around $30,000. Mine is high as I’ve been working for the government for 5 years and they pay a higher contribution rate to a standard job. I’ve also been working either high part time hours or full time since I was 16 years old. J’s is low as she wasn’t working for several years when she was a carer for her Nanna and then last year made a lump sum withdrawal to pay for some medical costs under compassionate grounds. We’re content with the amount that’s in there at this point in time and are currently deciding if we will make extra contributions once debt free or focus on investing. #australiandebtfreecommunity #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #debtfreelife #debtfreeliving #debtfreedom #debtfreedreams #debtfreeaf #debtfreeaustralians #debtfreefuture #daveramsey #daveramseybabysteps #daveramseywouldbeproud #barefootinvestor #barefooting #minimalism #minimalist #cashenvelopes #cashenvelopesystem #budgeting #budget #thedebtfreecommunity #debtfreeaustralia #debtfreeisthenewsexy #debtfreeisthewaytobe #budgetliving #budgetlifestyle #budgethome
Still contributing to our debt snowball and by saving money from our monthly cell phone bill- we sent $60 to our monthly debt pay off.  We just broke $2000 MONTHLY for debt snowball payments.  I am so happy to continue to see progress.  Watch us go!!! #debtfreecommunity #debtfreejourney #debtsnowball #debtfreegoals #debt #debtisdumb #debtfreedom #debtpayoff #budget #budgetliving #frugal  #cashisking #financialgoals #livewithintention #livewithinyourmeans #babystep2 #livelikenooneelse #cash #cashenvelopes #savemoney #financialpeace #financialhealth #liveonless #lessismore #debtfreehustle #onfire #goals #daveramseyplan #debtpayoff
Still contributing to our debt snowball and by saving money from our monthly cell phone bill- we sent $60 to our monthly debt pay off. We just broke $2000 MONTHLY for debt snowball payments. I am so happy to continue to see progress. Watch us go!!! #debtfreecommunity #debtfreejourney #debtsnowball #debtfreegoals #debt #debtisdumb #debtfreedom #debtpayoff #budget #budgetliving #frugal #cashisking #financialgoals #livewithintention #livewithinyourmeans #babystep2 #livelikenooneelse #cash #cashenvelopes #savemoney #financialpeace #financialhealth #liveonless #lessismore #debtfreehustle #onfire #goals #daveramseyplan #debtpayoff
Getting out of debt is not is not glamorous, it’s not fun, it’s not a contest to see how much you paid back in how ever much time, it’s none of that. There’s also no secret sauce or instant remedy that speeds up the process. It’s boring, tedious, and at times it can be stressful.

Today I was reminded of why is started this page- to help folks avoid the mistakes I made and avoid the stress and shame I felt in that process.

My story isn’t everyone’s but i know it has to be someone else’s, I’m sure. Getting sued for my student loan of $30k with less than $3k in the bank was one of the most stressful times of my life!

I identified with my terrible credit for so long and was ashamed of sharing my financial situation up until the point of getting sued that even those closest to me knew nothing about losing a job offer over my bad credit or the fact that I was paying 18.5% interest on my car. I was literally drowning.

And almost all of my money mistakes cost me dearly, whether it was borrowing from my 401k to worrying about how I would pay check cashing advance places back, I’ve literally made almost every financial mistake possible and am proof, in most cases, you can bounce back.

I started this page not as a way to glorify debt or the debt free journey itself but to teach people to not make the same mistakes I made.

When you know better you do better.
Getting out of debt is not is not glamorous, it’s not fun, it’s not a contest to see how much you paid back in how ever much time, it’s none of that. There’s also no secret sauce or instant remedy that speeds up the process. It’s boring, tedious, and at times it can be stressful. Today I was reminded of why is started this page- to help folks avoid the mistakes I made and avoid the stress and shame I felt in that process. My story isn’t everyone’s but i know it has to be someone else’s, I’m sure. Getting sued for my student loan of $30k with less than $3k in the bank was one of the most stressful times of my life! I identified with my terrible credit for so long and was ashamed of sharing my financial situation up until the point of getting sued that even those closest to me knew nothing about losing a job offer over my bad credit or the fact that I was paying 18.5% interest on my car. I was literally drowning. And almost all of my money mistakes cost me dearly, whether it was borrowing from my 401k to worrying about how I would pay check cashing advance places back, I’ve literally made almost every financial mistake possible and am proof, in most cases, you can bounce back. I started this page not as a way to glorify debt or the debt free journey itself but to teach people to not make the same mistakes I made. When you know better you do better.
⁣Our community is BLOWING UP. We want to know who you are and what drives you.⠀
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Where are you from? What drives you to want financial freedom?⠀
Become an Empire builder Today.⠀
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Join us!  www.cashflowtactics.com/group (Link in our bio) ⠀
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#moneymatters #moneytalks #moneytips #moneygoals #moneymaking #freedom #familyfirst #entrepreneurtip #entrepreneur #clickfunnels #funnelhacker #financialeducationmatters #financegoals #personalfinance #financialpeace #debtfreegoals #retireyoung #passiveincomelifestyle #wealthbuilding #incomestreams #financialeducation
⁣Our community is BLOWING UP. We want to know who you are and what drives you.⠀ ⠀ ⠀ Where are you from? What drives you to want financial freedom?⠀ Become an Empire builder Today.⠀ ⠀ ⠀ Join us! www.cashflowtactics.com/group (Link in our bio) ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ #moneymatters #moneytalks #moneytips #moneygoals #moneymaking #freedom #familyfirst #entrepreneurtip #entrepreneur #clickfunnels #funnelhacker #financialeducationmatters #financegoals #personalfinance #financialpeace #debtfreegoals #retireyoung #passiveincomelifestyle #wealthbuilding #incomestreams #financialeducation
Simple ways to save! 
At the end of last year I stopped purchasing coffee at work. I always brought my own in the morning but often I would pick up a small coffee in the afternoon. It started to become a part of my mostly daily routine and it added up! Not only financially but also it was replacing my water intake. And so I swapped to water only in the afternoons.

To change it up sometimes I will add some lemon and mint. It’s funny, but it has been almost 4 months and is now my “new” routine.

I took a small change and focused on it and it stuck. I like to only focus on adding in small changes bit by bit so that it is realistic. By examining my daily routine I was able to make an improvement that is saving me 💰too! 💙
Simple ways to save! At the end of last year I stopped purchasing coffee at work. I always brought my own in the morning but often I would pick up a small coffee in the afternoon. It started to become a part of my mostly daily routine and it added up! Not only financially but also it was replacing my water intake. And so I swapped to water only in the afternoons. To change it up sometimes I will add some lemon and mint. It’s funny, but it has been almost 4 months and is now my “new” routine. I took a small change and focused on it and it stuck. I like to only focus on adding in small changes bit by bit so that it is realistic. By examining my daily routine I was able to make an improvement that is saving me 💰too! 💙
Why do you #sidehustle? When I bought my first house about two years ago, I didn’t fully realize how much it needed. I’ve replaced the furnace, water heater, side door, and fridge! The roof is next on my list! I’m replacing the garage roof as well. Here’s my progress. I’ve worked hard my entire life and I’ve got big #goals! Swipe to see my future goals! I want to know, what’s your why? .
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.  #vipkid #vipkidteachers #frugal #thrifty #vipkidteacher #wahm #sahm #vipkids #thevipkidlife #vipkidrocks #workfromhome #itraveltochinaeveryday #scheduleyourself #daveramsey #teachersofinstagram #workfromanywhere #iteach #vipkidjourney #onlineteacher #onlineteacherlife #homeschooling #debtfreegoals #debtfreeliving #debtfreecommunity #debtfree #homeschool #workathome #substituteteacher
Why do you #sidehustle? When I bought my first house about two years ago, I didn’t fully realize how much it needed. I’ve replaced the furnace, water heater, side door, and fridge! The roof is next on my list! I’m replacing the garage roof as well. Here’s my progress. I’ve worked hard my entire life and I’ve got big #goals! Swipe to see my future goals! I want to know, what’s your why? . . . . . #vipkid #vipkidteachers #frugal #thrifty #vipkidteacher #wahm #sahm #vipkids #thevipkidlife #vipkidrocks #workfromhome #itraveltochinaeveryday #scheduleyourself #daveramsey #teachersofinstagram #workfromanywhere #iteach #vipkidjourney #onlineteacher #onlineteacherlife #homeschooling #debtfreegoals #debtfreeliving #debtfreecommunity #debtfree #homeschool #workathome #substituteteacher
🙈Confession:  I know I have food at home, and I know it saves a lot of money to cook and eat at home, but I REALLY don't enjoy cooking🤣  Do I have any company?🙋🏻‍♀️
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👉To keep things as easy as possible, I make family favorites often instead of trying a lot of new recipes. Mexican themed dinners are easy, and they make great leftovers too, which is a double-win in my book. Street tacos are a budget-friendly favorite in our house, so I make some version of them weekly. I love to have a spicy lime coleslaw with my tacos, and slaws are one of the things I actually don't mind making. (For the slaw dressing, I combine coconut milk, lime juice, oil, rice vinegar, and spices in a mason jar and shake it up!)
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👉What are your budget-friendly dinner favorites?
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👉Follow @pomlifeandfinances for motivation and tips on your #debtfreejourney
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#savemoney #debtfreecommunity #debtfreedreams #livingonabudget #budgeting #livelikenooneelse #debtfreedom #debtfreeliving #debtfreelifestyle #frugal #frugalliving #cashisking #financialplanning #financialpeace #financialwellness #financialhealth #babysteps #daveramseybabysteps #budgetfriendly #personalfinance #savemoneylivebetter #whatsfordinner #financialfreedom #homemaker #budgetlife #financialsecurity #debtfreegoals #financialliteracy
🙈Confession: I know I have food at home, and I know it saves a lot of money to cook and eat at home, but I REALLY don't enjoy cooking🤣 Do I have any company?🙋🏻‍♀️ - 👉To keep things as easy as possible, I make family favorites often instead of trying a lot of new recipes. Mexican themed dinners are easy, and they make great leftovers too, which is a double-win in my book. Street tacos are a budget-friendly favorite in our house, so I make some version of them weekly. I love to have a spicy lime coleslaw with my tacos, and slaws are one of the things I actually don't mind making. (For the slaw dressing, I combine coconut milk, lime juice, oil, rice vinegar, and spices in a mason jar and shake it up!) - 👉What are your budget-friendly dinner favorites? - 👉Follow @pomlifeandfinances for motivation and tips on your #debtfreejourney - - - - - #savemoney #debtfreecommunity #debtfreedreams #livingonabudget #budgeting #livelikenooneelse #debtfreedom #debtfreeliving #debtfreelifestyle #frugal #frugalliving #cashisking #financialplanning #financialpeace #financialwellness #financialhealth #babysteps #daveramseybabysteps #budgetfriendly #personalfinance #savemoneylivebetter #whatsfordinner #financialfreedom #homemaker #budgetlife #financialsecurity #debtfreegoals #financialliteracy
E-Book is ready for pre-order!  This will transform the way you view saving, retirement, and debt.
E-Book is ready for pre-order! This will transform the way you view saving, retirement, and debt.
Talking finances with your spouse is not always easy but its worth it. Sometimes you see something that they don't and vice versa. 
Getting paid one day early is beneficial when you are living paycheck to paycheck!

However, when you are striving to live #financiallyfree and #financiallyindependent every extra dollar counts!

#debtfreegoals #debtfreecommunity #debtisdumb #daveramsey #debtfree #debtfreejourney #debtfreedom #daveramseybabysteps #budgeting #abundantlyfrugal #abundance
Talking finances with your spouse is not always easy but its worth it. Sometimes you see something that they don't and vice versa. Getting paid one day early is beneficial when you are living paycheck to paycheck! However, when you are striving to live #financiallyfree and #financiallyindependent every extra dollar counts! #debtfreegoals #debtfreecommunity #debtisdumb #daveramsey #debtfree #debtfreejourney #debtfreedom #daveramseybabysteps #budgeting #abundantlyfrugal #abundance
Debtfreeby33ish.com
#debtfreegoals 
#debtfreeliving 
#debtfree 
#debtfreejourney
O O O P S 😭
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Oh no! An unexpected laptop crisis has led to unexpected spending - so gutted as could have really done without this! 😢 .
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Have you had any unexpected bills or spendings recently? Make me feel better please! How do you deal with it?
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#savingmoney #debtfreecommunity #debt #debtfree #debtfreejourney #debtfreegoals #debtgoals #overdraft #debtfreedom #debtfreeliving #debtfreecommunityuk #ukdebt #ukdebtfree #overdraftfees #debtfreelife #debtlife #hashtagdebtlife #debtpayoff #money
O O O P S 😭 . . Oh no! An unexpected laptop crisis has led to unexpected spending - so gutted as could have really done without this! 😢 . . Have you had any unexpected bills or spendings recently? Make me feel better please! How do you deal with it? . . #savingmoney #debtfreecommunity #debt #debtfree #debtfreejourney #debtfreegoals #debtgoals #overdraft #debtfreedom #debtfreeliving #debtfreecommunityuk #ukdebt #ukdebtfree #overdraftfees #debtfreelife #debtlife #hashtagdebtlife #debtpayoff #money
What was your @diddy moment?
What was your @diddy moment?
💥Don’t leave Q1 with trash finances ⁣⁣
❌The Bare Budgets Workshop is just around the corner! ⁣⁣
💡 Use this opportunity to learn a better way⁣⁣
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🧾Bring all your #𝐛𝐢𝐥𝐥𝐬 and #𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬 and let’s work through it together⁣⁣
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🗣You only get 1 life why struggle through the whole things if you don’t have to.⁣⁣
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👥This is a 𝐬𝐚𝐟𝐞 𝐬𝐩𝐚𝐜𝐞 to #𝐥𝐞𝐚𝐫𝐧, #𝐠𝐫𝐨𝐰 and #𝐝𝐞𝐯𝐞𝐥𝐨𝐩 a financial plan for your future⁣⁣
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👉🏽Use the 𝐋𝐈𝐍𝐊 𝐈𝐍 𝐓𝐇𝐄 𝐁𝐈𝐎 to purchase your tickets today !⁣⁣
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Shout out to @dovecotecafe for hosting, 𝗪𝐞 𝐀𝐩𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐞 𝐘𝐎𝐔 ☕️ 🖤⁣⁣
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💰💰💰💰💰💰💰💰💰💰💰💰💰⁣⁣
#financialfreedom #dmv #debtfreegoals #plannercommunity #financialliteracy #blackownedbusiness #dmvmakeupartist  #dmvnails  #dmvnailtech  #dmvbraider  #dmvnailsalon #moneytips #moneytalks #moneyquotes #smallbusinessfinance  #debtfreecommunity  #payoffdebt #baltimorerealestate #moneymoves #wealthmindset #bmoresmallbusiness #mompreneur #baltimorebusiness #financecoach⁣⁣
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💥Don’t leave Q1 with trash finances ⁣⁣ ❌The Bare Budgets Workshop is just around the corner! ⁣⁣ 💡 Use this opportunity to learn a better way⁣⁣ ⁣⁣ 🧾Bring all your #𝐛𝐢𝐥𝐥𝐬 and #𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬 and let’s work through it together⁣⁣ ⁣⁣ 🗣You only get 1 life why struggle through the whole things if you don’t have to.⁣⁣ ⁣⁣ 👥This is a 𝐬𝐚𝐟𝐞 𝐬𝐩𝐚𝐜𝐞 to #𝐥𝐞𝐚𝐫𝐧, #𝐠𝐫𝐨𝐰 and #𝐝𝐞𝐯𝐞𝐥𝐨𝐩 a financial plan for your future⁣⁣ ⁣⁣ 👉🏽Use the 𝐋𝐈𝐍𝐊 𝐈𝐍 𝐓𝐇𝐄 𝐁𝐈𝐎 to purchase your tickets today !⁣⁣ ⁣⁣ Shout out to @dovecotecafe for hosting, 𝗪𝐞 𝐀𝐩𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐞 𝐘𝐎𝐔 ☕️ 🖤⁣⁣ ⁣⁣ 💰💰💰💰💰💰💰💰💰💰💰💰💰⁣⁣ #financialfreedom #dmv #debtfreegoals #plannercommunity #financialliteracy #blackownedbusiness #dmvmakeupartist #dmvnails #dmvnailtech #dmvbraider #dmvnailsalon #moneytips #moneytalks #moneyquotes #smallbusinessfinance  #debtfreecommunity #payoffdebt #baltimorerealestate #moneymoves #wealthmindset #bmoresmallbusiness #mompreneur #baltimorebusiness #financecoach⁣⁣ ⁣⁣
For me, I live alone so this would only work for things such as toilet paper, paper towels, paper plates and trash bags. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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I think with a large family, this would definitely be beneficial by allowing you a lengthy amount time before repurchasing those items and you would enough time to save for it by putting it in a sinking fund for later. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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⠀⠀⠀⠀⠀⠀⠀⠀⠀ #financialfreedom #financialliteracy #creditrepair #credittips #savingmoneytips #savings #debtfreejourney #debtfree #debtfreegoals #budgetingtips #budgeting #budgetdivaliving #theeverydaygirl #beingboss #ladyboss #bossladies #blogger #lifestyleblogger #girlboss #bosslady christianlifestyle #kingdombusiness #faith #godlywoman #spiritualgrowth #faithblogger #christianwoman
For me, I live alone so this would only work for things such as toilet paper, paper towels, paper plates and trash bags. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I think with a large family, this would definitely be beneficial by allowing you a lengthy amount time before repurchasing those items and you would enough time to save for it by putting it in a sinking fund for later. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #financialfreedom #financialliteracy #creditrepair #credittips #savingmoneytips #savings #debtfreejourney #debtfree #debtfreegoals #budgetingtips #budgeting #budgetdivaliving #theeverydaygirl #beingboss #ladyboss #bossladies #blogger #lifestyleblogger #girlboss #bosslady christianlifestyle #kingdombusiness #faith #godlywoman #spiritualgrowth #faithblogger #christianwoman
Any progress is better than no progress at all #motivation #debtfreecommunity #debtfreejourney #debtfreegoals #debtfree #progressnotperfection #progress
Trying to add to my emergency fund... posted a coffee table and a drawer set from Ikea on Craigslist. A lady bought both for $75.00. I have no need for them. I have two of the coffee table and drawer. I paid for 1 coffee table and 1 drawer and since it arrived chipped they sent me a new one of each. I am keeping the chipped one since its not that noticeable and getting rid of the others. I also sold my spare bed for $100.00 i had listed it for $80 but managed to get $20.00 bucks more. The selling bug bit me. 
#Debtfree #Debtfreecommunity
#Debtfreejourney #Debtfreegoals
#Debtsnowball #Frugalliving 
#Financialfreedom #Livesimply
#Savingmoney #Savemoney
#Sinkingfunds #Budget
#Frugal #livelikenooneelse
#Financialpeace #Debtisdumb 
#Debtfreedom #Debtfreeliving
#Spendsmarter #Payoffdebt
#Thatbabychick #Moneymoves
Trying to add to my emergency fund... posted a coffee table and a drawer set from Ikea on Craigslist. A lady bought both for $75.00. I have no need for them. I have two of the coffee table and drawer. I paid for 1 coffee table and 1 drawer and since it arrived chipped they sent me a new one of each. I am keeping the chipped one since its not that noticeable and getting rid of the others. I also sold my spare bed for $100.00 i had listed it for $80 but managed to get $20.00 bucks more. The selling bug bit me. #Debtfree #Debtfreecommunity #Debtfreejourney #Debtfreegoals #Debtsnowball #Frugalliving #Financialfreedom #Livesimply #Savingmoney #Savemoney #Sinkingfunds #Budget #Frugal #livelikenooneelse #Financialpeace #Debtisdumb #Debtfreedom #Debtfreeliving #Spendsmarter #Payoffdebt #Thatbabychick #Moneymoves
(NOT MY 💰 CHART. I’m only 36. 🤣 This is for people starting at 35 to have $1M at 65). Isn't this mind-boggling?⁣ ⁣
For the first $100K, it takes almost 8 years, but in a little over 6 years after you have a little momentum going, you can increase your net worth by another $400K.⁣
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All it takes is $10,000 a year or $833/month, and you will have $1M in 30 years.⁣
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✌The first $100K took 7.8 years but the last 😈 $100K to $1M only took 1.3 years⁣
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🔥This is the true power of compounding interest. 🔥⁣
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Compounding interest isn't anything you can invest in, it is simple result of letting your money be invested early on, and leaving it in there, continually growing until you are ready to withdraw the money to use it.⁣
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🍎Think of it loosely as planting a single apple tree.🍎⁣
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Each apple 🌳 tree is $833/month, and you get 12 apple trees 🌳🌳 planted a year for about $10K a year.⁣
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Over time, these trees grow bigger and with compounding interest, and start to grow more apples 🍎that you can eat from (dividends) or use to plant even more trees (reinvesting the dividends for more growth).⁣
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At the end of 30 years, you have an orchard now full of these trees 🌳🌳🌳, still giving off more apples 🍎- at which point you can start to generously give them away if you wish, such as donating your money to charities or eat them (spend it to stop working & enter retirement).⁣
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The more you plant early on, the bigger your orchard will be at the end. 🌳🌳🌳🔥Or, you could get an orchard just big enough, and retire early. ⁣
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👩To play around with your retirement numbers, click on the link in my bio and this image to go to a calculator.
(NOT MY 💰 CHART. I’m only 36. 🤣 This is for people starting at 35 to have $1M at 65). Isn't this mind-boggling?⁣ ⁣ For the first $100K, it takes almost 8 years, but in a little over 6 years after you have a little momentum going, you can increase your net worth by another $400K.⁣ ⁣ All it takes is $10,000 a year or $833/month, and you will have $1M in 30 years.⁣ ⁣ ✌The first $100K took 7.8 years but the last 😈 $100K to $1M only took 1.3 years⁣ ⁣ 🔥This is the true power of compounding interest. 🔥⁣ ⁣ Compounding interest isn't anything you can invest in, it is simple result of letting your money be invested early on, and leaving it in there, continually growing until you are ready to withdraw the money to use it.⁣ ⁣ 🍎Think of it loosely as planting a single apple tree.🍎⁣ ⁣ Each apple 🌳 tree is $833/month, and you get 12 apple trees 🌳🌳 planted a year for about $10K a year.⁣ ⁣ Over time, these trees grow bigger and with compounding interest, and start to grow more apples 🍎that you can eat from (dividends) or use to plant even more trees (reinvesting the dividends for more growth).⁣ ⁣ At the end of 30 years, you have an orchard now full of these trees 🌳🌳🌳, still giving off more apples 🍎- at which point you can start to generously give them away if you wish, such as donating your money to charities or eat them (spend it to stop working & enter retirement).⁣ ⁣ The more you plant early on, the bigger your orchard will be at the end. 🌳🌳🌳🔥Or, you could get an orchard just big enough, and retire early. ⁣ ⁣ 👩To play around with your retirement numbers, click on the link in my bio and this image to go to a calculator.
So this one was in the make for a bit. Because I hate the “everything is pretty and pink” in social media or the never ending positivism as if even positive people didn’t have sh@#ty times, here comes my own sh@#ty time. It hit the fan hard let me tell you. Guess what? I have to hit the start button again, as in pretty much everything. Learn what can move and how. They fixed the worst part of my spine but now the hip decided nah not gonna let this woman keep going as is. For the last week I’ve been in excruciating pain any time I have to bear weight on my hips, even sitting. Yesterday I was told “you’re gonna suffer until we can operate BOTH sides. Sounds like fun! After finally getting to the point I wanted to be career and finances wise, I now have to take a few steps back and figure out what can I do and how can I keep working. Because as long as my brain works I refuse to retire. So, I’m glad for this account. Because I’m terrible at opening up at any time but it’s even worse if it’s a sh@#ty time. I hate to sound like disaster to be honest. So this is going to be my outlet. If you’re feeling down or defeated because of setbacks, I’m right there with you! This account now is how I try to pick up the pieces, put them back together and see what new shape I come up with!
So this one was in the make for a bit. Because I hate the “everything is pretty and pink” in social media or the never ending positivism as if even positive people didn’t have sh@#ty times, here comes my own sh@#ty time. It hit the fan hard let me tell you. Guess what? I have to hit the start button again, as in pretty much everything. Learn what can move and how. They fixed the worst part of my spine but now the hip decided nah not gonna let this woman keep going as is. For the last week I’ve been in excruciating pain any time I have to bear weight on my hips, even sitting. Yesterday I was told “you’re gonna suffer until we can operate BOTH sides. Sounds like fun! After finally getting to the point I wanted to be career and finances wise, I now have to take a few steps back and figure out what can I do and how can I keep working. Because as long as my brain works I refuse to retire. So, I’m glad for this account. Because I’m terrible at opening up at any time but it’s even worse if it’s a sh@#ty time. I hate to sound like disaster to be honest. So this is going to be my outlet. If you’re feeling down or defeated because of setbacks, I’m right there with you! This account now is how I try to pick up the pieces, put them back together and see what new shape I come up with!
Yay! Another Facebook Marketplace sale. I have a destination wedding to attend in the Spring of next year. I’m budgeting $2500 even though I don’t know WHERE it is or when but, that’s usually how much I spend on each trip I go on. Plus I’m sure it’ll be a resort and I’ll share room costs, etc. with someone else. And if it’s less, BOOM 💥 BONUS! Since I don’t have a ton of extra money between paying bills and debt, I promised myself I’d find OTHER ways to make as much money as possible (i.e. Marketplace, Holidays, babysitting, and whatever else that happens along the way....) This is my FIRST TIME saving in a sinking funds envelope. How fun!
Yay! Another Facebook Marketplace sale. I have a destination wedding to attend in the Spring of next year. I’m budgeting $2500 even though I don’t know WHERE it is or when but, that’s usually how much I spend on each trip I go on. Plus I’m sure it’ll be a resort and I’ll share room costs, etc. with someone else. And if it’s less, BOOM 💥 BONUS! Since I don’t have a ton of extra money between paying bills and debt, I promised myself I’d find OTHER ways to make as much money as possible (i.e. Marketplace, Holidays, babysitting, and whatever else that happens along the way....) This is my FIRST TIME saving in a sinking funds envelope. How fun!
IT IS IN YOU,ALL YOU HAVE TO DO IS ACCEPT WHO YOU ARE AND BELIEVE IN YOURSELF AND YOUR DREAMS WILL COME ALIVE .
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. .
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TRADE WITH SOT today. .
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#cashflow #cash #finances #financememes #bank #banking #bankaccount #bankinglife #banking #credit #goodcredit #greatcredit #debtfree #debtfreelife #debtfreegoals #debtfreejourney #debtfreecommunity #debtfreeliving #debtfreedom #debtfree2020 #financecoach #financialcoach #financialconsultant
Don’t settle anything!! The collection will still be on your credit and it won’t help your score!! Use that money to do something that will help! DM ME NOW! 
#creditrepair #creditrestoration #credit #creditrepairservices #debtfreejourney #debtfreecommunity #debtfree #debtfreegoals
Don’t settle anything!! The collection will still be on your credit and it won’t help your score!! Use that money to do something that will help! DM ME NOW! #creditrepair #creditrestoration #credit #creditrepairservices #debtfreejourney #debtfreecommunity #debtfree #debtfreegoals
Recently set up autopay with our mortgage company, and decided to add an extra $46 to our payments each month. This will shave off 24 months and save us over $11K in interest. Although we aren't on baby step 6 yet, this is something that is easy to do and helps calm my anxiety a little bit about having a 30 yr mortgage 🙈 Yes we could be throwing that $46 toward debt every month but in the grand scheme of things, this will save us more money. 
Do you ever make snowflake payments? If so, how much time and interest is it shaving off your mortgage? 🏡

#debtfreecommunity #debtfreejourney #debtfreegoals #debtsnowball #debtisdumb #daveramseybabysteps #daveramsey #daveramseycommunity #babystep2 #debtfreeclutterfree #dfc
Recently set up autopay with our mortgage company, and decided to add an extra $46 to our payments each month. This will shave off 24 months and save us over $11K in interest. Although we aren't on baby step 6 yet, this is something that is easy to do and helps calm my anxiety a little bit about having a 30 yr mortgage 🙈 Yes we could be throwing that $46 toward debt every month but in the grand scheme of things, this will save us more money. Do you ever make snowflake payments? If so, how much time and interest is it shaving off your mortgage? 🏡 #debtfreecommunity #debtfreejourney #debtfreegoals #debtsnowball #debtisdumb #daveramseybabysteps #daveramsey #daveramseycommunity #babystep2 #debtfreeclutterfree #dfc
And I’m not just talking about the free trials. 👌🏼 First the newspaper and now... Netflix! 😮 That’s right, cancelled them both for close to $40 a month savings! 
whαt cσuld чσu cαncєl tσ sαvє $! 💰 This is our #nospendchallenge for the week- evaluate what subscriptions and memberships you can cut spending on (comment “cancel” and I’ll send you details on this week’s challenge)
#debtfreecommunity #debtfreejourney #debtfreegoals #llnoe #cancellednetflix #noclipcoupons #columbuscouponer #savemore #budgeting #budgetlife #debtfreeliving #nospendfebruary #spendingfreeze #spendwisely #cordcutting #frugalblogger #frugalmom #columbusmoms #614moms
And I’m not just talking about the free trials. 👌🏼 First the newspaper and now... Netflix! 😮 That’s right, cancelled them both for close to $40 a month savings! whαt cσuld чσu cαncєl tσ sαvє $! 💰 This is our #nospendchallenge for the week- evaluate what subscriptions and memberships you can cut spending on (comment “cancel” and I’ll send you details on this week’s challenge) #debtfreecommunity #debtfreejourney #debtfreegoals #llnoe #cancellednetflix #noclipcoupons #columbuscouponer #savemore #budgeting #budgetlife #debtfreeliving #nospendfebruary #spendingfreeze #spendwisely #cordcutting #frugalblogger #frugalmom #columbusmoms #614moms
Gentle reminder!

Just keep at it. You’ll be amazed at how beautiful it all comes together.

Stay encouraged #debtfreecommunity
Gentle reminder! Just keep at it. You’ll be amazed at how beautiful it all comes together. Stay encouraged #debtfreecommunity
Another household item sold for extra cash! A step closer to our February goal of $80#debtfreejourney #debtfreegoals #debtisdumb #debtfreemamas #debtfreefamily #daveramseybabysteps #babystep1 #makingmoves #debtfreeplus3
Another household item sold for extra cash! A step closer to our February goal of $80#debtfreejourney #debtfreegoals #debtisdumb #debtfreemamas #debtfreefamily #daveramseybabysteps #babystep1 #makingmoves #debtfreeplus3
DOUBLE TAP if your’re going to use the wealth cheat code! Follow 👉 @titanlife.co

Follow 👉 @titanlife.co
Follow 👉 @titanlife.co
Follow 👉 @titanlife.co
DOUBLE TAP if your’re going to use the wealth cheat code! Follow 👉 @titanlife.co Follow 👉 @titanlife.co Follow 👉 @titanlife.co Follow 👉 @titanlife.co
Did you know that you can earn money on items that you planned to buy with just your cell phone? Yep, that’s a thing.⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀
⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀
You can earn cash or rewards just by logging in through an app such as Fetch Rewards, iBotta, or Ebates, to make specific purchases or by scanning a receipt after leaving the grocery store. You’ll be so surprised just how quickly you’re able to earn money just by using these cashback apps over time.⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀
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You won’t become a millionaire by using these apps, but many are a great way to add extra income and make your budget stretch. It’ll take you a few minutes to set them up, but once setup is complete, you’ll be on your way saving even more money on your everyday spending.⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀
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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⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀
#debtfreedom #debtfreecommunity #debtfree #budgeting #budgettips #debtfreejourney  #financialfreedom #debtfreeliving #budgetplanning #debtfreelife #daveramsey #savingmoney #ynabcommunity #youneedabudget #financialindependence #livingonabudget #sixfiguredebt #debtisdumb #bosschicks #budgetplanner #personalfinance #babystep2 #moneymindset #financecoach #debtfreegoals #payoffdebt #financetips #financegoals #moneygoals #babysteps
Did you know that you can earn money on items that you planned to buy with just your cell phone? Yep, that’s a thing.⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ You can earn cash or rewards just by logging in through an app such as Fetch Rewards, iBotta, or Ebates, to make specific purchases or by scanning a receipt after leaving the grocery store. You’ll be so surprised just how quickly you’re able to earn money just by using these cashback apps over time.⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ You won’t become a millionaire by using these apps, but many are a great way to add extra income and make your budget stretch. It’ll take you a few minutes to set them up, but once setup is complete, you’ll be on your way saving even more money on your everyday spending.⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ 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⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ #debtfreedom #debtfreecommunity #debtfree #budgeting #budgettips #debtfreejourney #financialfreedom #debtfreeliving #budgetplanning #debtfreelife #daveramsey #savingmoney #ynabcommunity #youneedabudget #financialindependence #livingonabudget #sixfiguredebt #debtisdumb #bosschicks #budgetplanner #personalfinance #babystep2 #moneymindset #financecoach #debtfreegoals #payoffdebt #financetips #financegoals #moneygoals #babysteps
Ready to dig into this classic! This will be my second book this month ☺️ #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #personalfinance #debtfreegoals #debtfreedom #reading #richdadpoordad
Ready to dig into this classic! This will be my second book this month ☺️ #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #personalfinance #debtfreegoals #debtfreedom #reading #richdadpoordad
PAID OFF!! 20 months early!! This was a loan I took out to consolidate, with a lower interest rate, credit card debts for both my boyfriend and I.  We were able to do a balance transfer for my boyfriends portion that was left ($3,479) and I pulled  out of my emergency fund savings to pay off my portion ($2,300).
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It feels good!! 🙌🏻
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#changingmymindset #becomingdebtfree #debtfreejourney #debtfreecommunitysupport #debtfreecommunity #debtfreelife #dfc #debtisdumb #debtsucks #lifewithoutdebt #financialpeacejourney #financialfreedom #seekingfinancialfreedom #debtfreeprogress #onedayatatime #debtbegone #debtfreegonnabe #debtfreedom  #debtpaydown #debtpayoff #debtfreegoals #debtwontwin #debtwontdefineme
PAID OFF!! 20 months early!! This was a loan I took out to consolidate, with a lower interest rate, credit card debts for both my boyfriend and I. We were able to do a balance transfer for my boyfriends portion that was left ($3,479) and I pulled out of my emergency fund savings to pay off my portion ($2,300). . It feels good!! 🙌🏻 . . . #changingmymindset #becomingdebtfree #debtfreejourney #debtfreecommunitysupport #debtfreecommunity #debtfreelife #dfc #debtisdumb #debtsucks #lifewithoutdebt #financialpeacejourney #financialfreedom #seekingfinancialfreedom #debtfreeprogress #onedayatatime #debtbegone #debtfreegonnabe #debtfreedom #debtpaydown #debtpayoff #debtfreegoals #debtwontwin #debtwontdefineme
People are always looking to take credit for your accomplishments.
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Give credit where credit is due, but remember they were the nudge when you were the driving force!
People are always looking to take credit for your accomplishments. ~ Give credit where credit is due, but remember they were the nudge when you were the driving force!
Thoughts? I’m never sure what I should be calling this whole endeavor and when I started this account I just put in a place holder name. I changed it once to my debt free struggle because the idea of having grit and perseverance appeals to me. But... I remember reading a post (maybe from @debtfreegonnabe) and thinking that maybe I should have a positive sounding name. To me struggle want negative because I always like looking back in the journey and seeing the hard parts as a point of pride when I make it to the other side of it. At the same time, since I am so excited about becoming debt free and this whole journey, I wanted something that to reflect that. Thoughts?
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 #debtfreecommunity #debtisdumb #debtsnowball #debtfreejourney #debtfree #debtfreedreams #debtfreelifestyle #debtfreewannabe #debtfreegoals #financialfreedom #financialpeace #livelikenooneelse #budgeting #lawschooldebt #daveramseyplan #daveramseybabysteps #daveramsey #everydaymillionaire #frugal #debtfreeliving #frugalliving
Thoughts? I’m never sure what I should be calling this whole endeavor and when I started this account I just put in a place holder name. I changed it once to my debt free struggle because the idea of having grit and perseverance appeals to me. But... I remember reading a post (maybe from @debtfreegonnabe) and thinking that maybe I should have a positive sounding name. To me struggle want negative because I always like looking back in the journey and seeing the hard parts as a point of pride when I make it to the other side of it. At the same time, since I am so excited about becoming debt free and this whole journey, I wanted something that to reflect that. Thoughts? . . #debtfreecommunity #debtisdumb #debtsnowball #debtfreejourney #debtfree #debtfreedreams #debtfreelifestyle #debtfreewannabe #debtfreegoals #financialfreedom #financialpeace #livelikenooneelse #budgeting #lawschooldebt #daveramseyplan #daveramseybabysteps #daveramsey #everydaymillionaire #frugal #debtfreeliving #frugalliving
Ugh, taxes. I got excited for a moment that maybe this year we wouldnt owe. And then I finished entering everything in and... BAM! 
We owe. Close to $2500. Plus state taxes - since our old state didnt have state taxes and our new state does. 
The life of a double income household with no property, no kids, and nothing to "writeoff" - I find it incredible that we keep having to owe. How is it that the taxes taken from our paychecks arent enough to cover out tax liability each year?! Well - last year we changed our W-4s to take out more to prevent this issue. After reviewing our tax stuff this year, I finally found our problem. Our incomes are so different that while we get taxes taken out on our individual income - our combined tax liability is much higher. Yay for being married with very different incomes!! Doing taxes this year has caused us to rethink when and if Caveman will go back to regular employment this year. We have enough other things to keep him busy and still make sure bills are paid. We are continuing to talk about ways to reduce our footprint and our needs and see if we can suffice on a single income. I mean - it was always the plan when we had kids. Maybe we just start BEFORE we have kids!? We will see!

#lifestartsbetween35 #hefandcavemanadventures #debtfree #debtfreejourney #debtfreecommunity #debtfreegoals #debtsnowball #debtsucks #babysteps #financialgoals #budgetlife #momoneymoproblems #ihatetaxes #taxessuck
Ugh, taxes. I got excited for a moment that maybe this year we wouldnt owe. And then I finished entering everything in and... BAM! We owe. Close to $2500. Plus state taxes - since our old state didnt have state taxes and our new state does. The life of a double income household with no property, no kids, and nothing to "writeoff" - I find it incredible that we keep having to owe. How is it that the taxes taken from our paychecks arent enough to cover out tax liability each year?! Well - last year we changed our W-4s to take out more to prevent this issue. After reviewing our tax stuff this year, I finally found our problem. Our incomes are so different that while we get taxes taken out on our individual income - our combined tax liability is much higher. Yay for being married with very different incomes!! Doing taxes this year has caused us to rethink when and if Caveman will go back to regular employment this year. We have enough other things to keep him busy and still make sure bills are paid. We are continuing to talk about ways to reduce our footprint and our needs and see if we can suffice on a single income. I mean - it was always the plan when we had kids. Maybe we just start BEFORE we have kids!? We will see! #lifestartsbetween35 #hefandcavemanadventures #debtfree #debtfreejourney #debtfreecommunity #debtfreegoals #debtsnowball #debtsucks #babysteps #financialgoals #budgetlife #momoneymoproblems #ihatetaxes #taxessuck
Spent the day writing my essay finally! Have been just staring at it for days now and its been driving me crazy! Im only 200 words away from finishing it and its not due until friday so I'm feeling good about it now!
On Friday im going to dinner and a adelaide fringe show so I wanted to make sure it was finished before then so I could relax and enjoy my night!
Spent the day writing my essay finally! Have been just staring at it for days now and its been driving me crazy! Im only 200 words away from finishing it and its not due until friday so I'm feeling good about it now! On Friday im going to dinner and a adelaide fringe show so I wanted to make sure it was finished before then so I could relax and enjoy my night!
There's just something about paperwork that makes it feel more official! Got my Paid in Full letter for Vday. I took out 4,000.00. I ended up paying back over 6,600. 60% percent more than the amount I took out. Experience is a brutal teacher though. On to the next one. Debtfreeby33ish.com
#debtfreeliving 
#debtfreegoals
There's just something about paperwork that makes it feel more official! Got my Paid in Full letter for Vday. I took out 4,000.00. I ended up paying back over 6,600. 60% percent more than the amount I took out. Experience is a brutal teacher though. On to the next one. Debtfreeby33ish.com #debtfreeliving #debtfreegoals
Went from 6.8% percent interest rate to 0.00. From a 6,700.00 balance to 0.00. More work to be done.
#debtfreegoals 
#debtfreeliving #debtfreejourney 
#debt 
#debtpayoff
Went from 6.8% percent interest rate to 0.00. From a 6,700.00 balance to 0.00. More work to be done. #debtfreegoals #debtfreeliving #debtfreejourney #debt #debtpayoff
Hope everyone had a great wknd!
Maintaining a cute, functional wardrobe whilst paying off debt ain't always easy but it can be done !
On the blog, I'm featuring a 100% genuine leather pencil skirt I got from @ltrainvintage for $10!
Let me know if you'd like to see me style it in different ways. Mixing and matching is key to keeping clothing budget costs down. Link in bio!
#ltrainvintage 
##thriftedandstyled
#thriftedstyle
#thriftedclothing
#moneymanagement
#budgetlife
#moneygoals
#forbesmagazine
#forbeswomen
#moneymag
#debtfreegoals
#debtfreesingles
#personalfinances
#personalfinanceforwomen
#debtfreecommunity 
#kiplinger
#winterstyle
#springstyle
#debtfreeliving
#2020goalsetting
#savemorespendless
#financialeducation
#thriftedandfitted
Hope everyone had a great wknd! Maintaining a cute, functional wardrobe whilst paying off debt ain't always easy but it can be done ! On the blog, I'm featuring a 100% genuine leather pencil skirt I got from @ltrainvintage for $10! Let me know if you'd like to see me style it in different ways. Mixing and matching is key to keeping clothing budget costs down. Link in bio! #ltrainvintage ##thriftedandstyled #thriftedstyle #thriftedclothing #moneymanagement #budgetlife #moneygoals #forbesmagazine #forbeswomen #moneymag #debtfreegoals #debtfreesingles #personalfinances #personalfinanceforwomen #debtfreecommunity #kiplinger #winterstyle #springstyle #debtfreeliving #2020goalsetting #savemorespendless #financialeducation #thriftedandfitted
Ok y'all! 🗣🗣Whose ready to start the 52 Week savings challenge in 2020 with me?! This definitely worked for me in 2018 and decided to give it a go this year. I created 4 different (and much improved😆) savings charts to help you get started, link in bio.
I was going to double up and do $2 week 1, $4 week 2 etc but because debt PAYOFF is my focus, so I scaled back to save $1378 with this challenge.
Please let me know if you have any questions.  You can print them out and check off the weeks as the year goes on.
#debtfreecommunity 
#savingscommunity
#thriftedandstyled
#thriftedstyle
#thriftedclothing
#moneymanagement
#budgetlife
#moneygoals
#forbesmagazine
#forbeswomen
#moneymag
#debtfreegoals
#debtfreesingles
#personalfinances
#personalfinanceforwomen
#debtfreecommunity 
#kiplinger
#winterstyle
#springstyle
#debtfreeliving
#2020goalsetting
#savemorespendless
#financialeducation
#thriftedandfitted

#52weeksavingschallenge
Ok y'all! 🗣🗣Whose ready to start the 52 Week savings challenge in 2020 with me?! This definitely worked for me in 2018 and decided to give it a go this year. I created 4 different (and much improved😆) savings charts to help you get started, link in bio. I was going to double up and do $2 week 1, $4 week 2 etc but because debt PAYOFF is my focus, so I scaled back to save $1378 with this challenge. Please let me know if you have any questions. You can print them out and check off the weeks as the year goes on. #debtfreecommunity #savingscommunity #thriftedandstyled #thriftedstyle #thriftedclothing #moneymanagement #budgetlife #moneygoals #forbesmagazine #forbeswomen #moneymag #debtfreegoals #debtfreesingles #personalfinances #personalfinanceforwomen #debtfreecommunity #kiplinger #winterstyle #springstyle #debtfreeliving #2020goalsetting #savemorespendless #financialeducation #thriftedandfitted #52weeksavingschallenge
Styling this $39 skirt from Uniqlo...link in bio! Ironing out my blog focus for 2020, budget fashion for financially conscious folks will be a big part of that! Happy Sunday and have a great week...💃🏾💃🏾
#budgetfashion
#payoffdebtlookinggood
#thriftedandstyled
#thriftedstyle
#thriftedclothing
#moneymanagement
#budgetlife
#moneygoals
#forbesmagazine
#forbeswomen
#moneymag
#debtfreegoals
#debtfreesingles
#personalfinances
#personalfinanceforwomen
#debtfreecommunity 
#kiplinger
#winterstyle
#springstyle
#debtfreeliving
#2020goalsetting
#savemorespendless
#financialeducation
#thriftedandfitted
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