#cashenvelopes Instagram Photos & Videos

cashenvelopes - 56.3k posts

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  • **CLOSED GIVEAWAY Congrats to @stephvalentine_21** In order to celebrate the huge announcement I have coming tomorrow on my Instagram, I have decided to giveaway a Purple Budget By Paycheck Workbook.

Trust me, you don't want to miss my post on Instagram tomorrow.
===================
TO ENTER
1. Like this post.
2. Follow @thebudgetmom
3. Tag 3 friends that would love to win.

Make sure you tag each friend in a separate comment for more chances to enter. Three tag limit.
===================
Giveaway ends on Thursday, February 20th at 8:00pm (Pacific Time). I will be announcing the winner on Friday the 21st.

Feel free to share this giveaway in your stories. I would truly love and appreciate it.

This promotion is no way sponsored, endorsed or administered by, or associated with Instagram.

Open to anyone age 13 and older.

GOODLUCK!
#budgetbypaycheckworkbook
  • **CLOSED GIVEAWAY Congrats to @stephvalentine_21** In order to celebrate the huge announcement I have coming tomorrow on my Instagram, I have decided to giveaway a Purple Budget By Paycheck Workbook.

    Trust me, you don't want to miss my post on Instagram tomorrow.
    ===================
    TO ENTER
    1. Like this post.
    2. Follow @thebudgetmom
    3. Tag 3 friends that would love to win.

    Make sure you tag each friend in a separate comment for more chances to enter. Three tag limit.
    ===================
    Giveaway ends on Thursday, February 20th at 8:00pm (Pacific Time). I will be announcing the winner on Friday the 21st.

    Feel free to share this giveaway in your stories. I would truly love and appreciate it.

    This promotion is no way sponsored, endorsed or administered by, or associated with Instagram.

    Open to anyone age 13 and older.

    GOODLUCK!
    #budgetbypaycheckworkbook
  • 25,623 36,746 17 February, 2020
  • Anyone else doing weekend budget updates?!
  • Anyone else doing weekend budget updates?!
  • 546 31 15 February, 2020
  • Welcome to the brand new distribution center & headquarters for The Budget Mom!! I'm so excited to share this with you.

For over 4 years, I ran TBM from the itty-bitty corner of my kitchen in my 800 square foot apartment. At times, it made my home life a little bit chaotic and messy, but I always made it work.

Bringing packaging, shipping, and distribution in house for my business was a huge leap, but ultimately it was something that I knew I had to tackle.

This means a whole bunch of new things for TBM.

1. We will now be able to hold inventory longer with our larger facility. It has been a goal of mine to offer my life-changing products year round.

2. We will be offering free local pickup for my readers.

3. Now, with a physical location, I can really start the negotiation process to decrease shipping costs.

4. I will be able to start the process of growing a much larger TBM team.

Over the last three weeks, I have experienced a lot of firsts. I drove a box truck for the first time. Learned all about commercial and industrial insurance. Figured out what a #2 Robertson Screw Driver was. Used a ratchet wrench for the first time, and so much more.

We will be posting any jobs that come available, and I will let you know when that time comes. I'm honored to offer more job opportunities in my city.

I will be posting a video on my stories here soon giving you a full tour of our new facility and the benefits this huge steps brings to TBM and my readers.

Thank you to Baldwin Signs here in Spokane for making me my first official business sign.

Thank you so much to every TBM Family member for your amazing support!
#entrepreneurshipgoals
  • Welcome to the brand new distribution center & headquarters for The Budget Mom!! I'm so excited to share this with you.

    For over 4 years, I ran TBM from the itty-bitty corner of my kitchen in my 800 square foot apartment. At times, it made my home life a little bit chaotic and messy, but I always made it work.

    Bringing packaging, shipping, and distribution in house for my business was a huge leap, but ultimately it was something that I knew I had to tackle.

    This means a whole bunch of new things for TBM.

    1. We will now be able to hold inventory longer with our larger facility. It has been a goal of mine to offer my life-changing products year round.

    2. We will be offering free local pickup for my readers.

    3. Now, with a physical location, I can really start the negotiation process to decrease shipping costs.

    4. I will be able to start the process of growing a much larger TBM team.

    Over the last three weeks, I have experienced a lot of firsts. I drove a box truck for the first time. Learned all about commercial and industrial insurance. Figured out what a #2 Robertson Screw Driver was. Used a ratchet wrench for the first time, and so much more.

    We will be posting any jobs that come available, and I will let you know when that time comes. I'm honored to offer more job opportunities in my city.

    I will be posting a video on my stories here soon giving you a full tour of our new facility and the benefits this huge steps brings to TBM and my readers.

    Thank you to Baldwin Signs here in Spokane for making me my first official business sign.

    Thank you so much to every TBM Family member for your amazing support!
    #entrepreneurshipgoals
  • 43,054 3,048 15 January, 2020
  • *Congrats to @lucero_c @alexialomeli @sarahkay0809 @kelseyrenning @paulinka_rybnik 
@jkleindl4 * I can't believe it's already here.

We did the 300K Follower Giveaway just last month, which means The Budget Mom gained over 100,000 followers in just over a month.

Thank you to everyone for your support, and welcome to all the new followers to the TBM Family.

To celebrate such a HUGE milestone, we are doing one of our biggest giveaways yet.

SIX lucky winners will win.

A Yellow or Purple Budget By Paycheck Workbook
$200 CASH
$25 Starbucks Gift Card
===================
TO ENTER
1. Like this post.
2. Follow @thebudgetmom
3. Tag 3 friends that would love to win.

Make sure you tag each friend in a separate comment for more chances to enter. Three tag limit.
===================
Giveaway ends on Monday, January 13th at 8:00pm (Pacific Time). I will be announcing the winner on Tuesday the 14th.

Feel free to share this giveaway in your stories. I would truly love and appreciate it.

This promotion is no way sponsored, endorsed or administered by, or associated with Instagram.

Open to anyone age 13 and older.

GOODLUCK!
#budgetbypaycheckworkbook
  • *Congrats to @lucero_c @alexialomeli @sarahkay0809 @kelseyrenning @paulinka_rybnik
    @jkleindl4 * I can't believe it's already here.

    We did the 300K Follower Giveaway just last month, which means The Budget Mom gained over 100,000 followers in just over a month.

    Thank you to everyone for your support, and welcome to all the new followers to the TBM Family.

    To celebrate such a HUGE milestone, we are doing one of our biggest giveaways yet.

    SIX lucky winners will win.

    A Yellow or Purple Budget By Paycheck Workbook
    $200 CASH
    $25 Starbucks Gift Card
    ===================
    TO ENTER
    1. Like this post.
    2. Follow @thebudgetmom
    3. Tag 3 friends that would love to win.

    Make sure you tag each friend in a separate comment for more chances to enter. Three tag limit.
    ===================
    Giveaway ends on Monday, January 13th at 8:00pm (Pacific Time). I will be announcing the winner on Tuesday the 14th.

    Feel free to share this giveaway in your stories. I would truly love and appreciate it.

    This promotion is no way sponsored, endorsed or administered by, or associated with Instagram.

    Open to anyone age 13 and older.

    GOODLUCK!
    #budgetbypaycheckworkbook
  • 47,497 92,092 9 January, 2020
  • Do you cash flow Christmas? Put it on credit cards? Scramble December 24?
It seemed CRAZY to me to save for Christmas all year but this gives me such peace of mind knowing I will be prepared and won't have to stress.
I want to have $1,500 by November(ish) so I put back $70 each check. 
If Christmas is normally a financial stress for you, consider creating a sinking fund (re: saving for a specific item/occassion) 🎄🎁☃️🎅
  • Do you cash flow Christmas? Put it on credit cards? Scramble December 24?
    It seemed CRAZY to me to save for Christmas all year but this gives me such peace of mind knowing I will be prepared and won't have to stress.
    I want to have $1,500 by November(ish) so I put back $70 each check.
    If Christmas is normally a financial stress for you, consider creating a sinking fund (re: saving for a specific item/occassion) 🎄🎁☃️🎅
  • 370 39 12 February, 2020

Latest Instagram Posts

  • Week 3 of 4. •Work (₱1,250 remaining) - my husband and I have fixed baon of ₱100 and ₱150 respectively. We both work Mon-Fri.
•Food (₱2,220 remaining) - only spent ₱560 on this category including fresh buko. My husband suspected that he has something wrong on his kidney so he bought fresh buko for the whole week. We also went to my husband’s hometown. We shared ₱200 for lunch.
•Pamper (₱1,050 remaining) - I finally had mani/pedi after 2 month. My husband also got a pedicure.
•Toiletries ₱(670 remaining) - no spend on this category. We planned for a ‘no buy’ this year (unless replacements/replenishments)
•Gas (₱3,150 remaining) - we only have 1 week to go until the end of the month. I will have 1 trip to the gas station and 2 trips for my huband. I believe we have more than enough for this category 😁
•Medical (over by ₱1,410) - My husband went to the ER. He had some lab tests done and underwent ultrasound. Turns out he has high bad cholesterol and renal calcification. We NEED to feed our bodies with healthy foods 😣😔 truly, health is wealth.
•Other Misc (₱1,040 remaining) - I  bought eload for my siblings

How’s your week 3? Are you still sticking with your #budget ?

#householdbudget #frugalliving  #debtfreecommunity #debtfreeliving #cashenvelopesystem #expensetracker #cashenvelopes
  • Week 3 of 4. •Work (₱1,250 remaining) - my husband and I have fixed baon of ₱100 and ₱150 respectively. We both work Mon-Fri.
    •Food (₱2,220 remaining) - only spent ₱560 on this category including fresh buko. My husband suspected that he has something wrong on his kidney so he bought fresh buko for the whole week. We also went to my husband’s hometown. We shared ₱200 for lunch.
    •Pamper (₱1,050 remaining) - I finally had mani/pedi after 2 month. My husband also got a pedicure.
    •Toiletries ₱(670 remaining) - no spend on this category. We planned for a ‘no buy’ this year (unless replacements/replenishments)
    •Gas (₱3,150 remaining) - we only have 1 week to go until the end of the month. I will have 1 trip to the gas station and 2 trips for my huband. I believe we have more than enough for this category 😁
    •Medical (over by ₱1,410) - My husband went to the ER. He had some lab tests done and underwent ultrasound. Turns out he has high bad cholesterol and renal calcification. We NEED to feed our bodies with healthy foods 😣😔 truly, health is wealth.
    •Other Misc (₱1,040 remaining) - I bought eload for my siblings

    How’s your week 3? Are you still sticking with your #budget ?

    #householdbudget #frugalliving #debtfreecommunity #debtfreeliving #cashenvelopesystem #expensetracker #cashenvelopes
  • 0 0 6 minutes ago
  • My budget from yesterday!
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I was super excited about doing my budget for this pay period because I had a bigger income that I have had in a while. I was able to put a lot into my sinking funds without having to worry if I can contribute to my specific fund this pay period or not. I was able to put something in all of them!
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Also, a small chunk is from rollover money that I am so proud of! This pay period I’m hoping to have at least $75 to rollover.
  • My budget from yesterday!
    .
    I was super excited about doing my budget for this pay period because I had a bigger income that I have had in a while. I was able to put a lot into my sinking funds without having to worry if I can contribute to my specific fund this pay period or not. I was able to put something in all of them!
    .
    Also, a small chunk is from rollover money that I am so proud of! This pay period I’m hoping to have at least $75 to rollover.
  • 15 11 2 hours ago
  • Updated my spending today at work.  Things are going much better this month! I can’t wait to do my final roll-up at the end of the month 🤩
  • Updated my spending today at work. Things are going much better this month! I can’t wait to do my final roll-up at the end of the month 🤩
  • 86 3 2 hours ago
  • To get myself in the mindset of being more aware of my spending. I got myself a @the_happy_planner Micro Notes to jot down what I spend my money on. Planning on transitioning to Cash Envelopes soon! I can’t wait to see where this journey takes me. 🎉
  • To get myself in the mindset of being more aware of my spending. I got myself a @the_happy_planner Micro Notes to jot down what I spend my money on. Planning on transitioning to Cash Envelopes soon! I can’t wait to see where this journey takes me. 🎉
  • 6 1 3 hours ago
  • Finally getting around to filling my cash envelopes! Food, water bill, on demand workouts, $25 a week savings challenge & had $2 left over to add to my $1 no spend challenge. 😍 ending the month strong. Also had $100 left over in my account to add to lowest debt. 😱
  • Finally getting around to filling my cash envelopes! Food, water bill, on demand workouts, $25 a week savings challenge & had $2 left over to add to my $1 no spend challenge. 😍 ending the month strong. Also had $100 left over in my account to add to lowest debt. 😱
  • 14 1 4 hours ago
  • Started our journey to be debt free on 1-1-20 
I decided to try the cash envelopes system and am I glade I did..
We have 18 or 19 cash envelopes I add money into each Saturday. 
It's a struggle to not spend money but well worth it.. Not alot of money saved but considering I'm stuffing so many envelopes a week this actually pretty darn good

#cashenvelopesystem 
#cashenvelopes
  • Started our journey to be debt free on 1-1-20
    I decided to try the cash envelopes system and am I glade I did..
    We have 18 or 19 cash envelopes I add money into each Saturday.
    It's a struggle to not spend money but well worth it.. Not alot of money saved but considering I'm stuffing so many envelopes a week this actually pretty darn good

    #cashenvelopesystem
    #cashenvelopes
  • 13 2 4 hours ago
  • #weeklycheckin time!!!! 😊😊😊
Updating our cash envelopes for week 3.
My husband is not yet paid for his work done on January. I’ll have to adjust our budget for March. We are budgeting 1 month ahead, which means our February income will pay all our expenses for March. My 1st paycheck came in on the 12th. I expected my husband’s paycheck on the 15th but it did not come. He was informed that the agency has not yet received the NCA (Notice of Cash Allocation) for his salary for the year. We’ll have to wait up to 6 months (hoping the NCA comes on March)
Good thing we have other sources of income outside our paychecks.
#budgeting #budgetcheckin #weeklycheckin #cashenvelopes #cashenvelopesystem
  • #weeklycheckin time!!!! 😊😊😊
    Updating our cash envelopes for week 3.
    My husband is not yet paid for his work done on January. I’ll have to adjust our budget for March. We are budgeting 1 month ahead, which means our February income will pay all our expenses for March. My 1st paycheck came in on the 12th. I expected my husband’s paycheck on the 15th but it did not come. He was informed that the agency has not yet received the NCA (Notice of Cash Allocation) for his salary for the year. We’ll have to wait up to 6 months (hoping the NCA comes on March)
    Good thing we have other sources of income outside our paychecks.
    #budgeting #budgetcheckin #weeklycheckin #cashenvelopes #cashenvelopesystem
  • 9 0 4 hours ago
  • YNAB Digital Cash Envelopes - Real Numbers & Homegrown Reporting. 
I am showing my real spending numbers to be fully transparent and share my budget processes, struggles and successes at the category (digital envelope) level. I will hold off on showing my income or all my categories for now – but I think its exciting to show what I am spending and look for support and ideas on my journey. 
The below screenshot is a quick review of my January spending. I’m looking for insights with my data, and realistic (or not) my challenge goals are for saving and cutting back spending.

Read more on ready2budget.com, link below to blog post:

https://ready2budget.com/2020/02/22/ynab-digital-cash-envelopes-real-numbers-homegrown-reporting/

#real #numbers #budget #cashenvelopes #ynab
  • YNAB Digital Cash Envelopes - Real Numbers & Homegrown Reporting.
    I am showing my real spending numbers to be fully transparent and share my budget processes, struggles and successes at the category (digital envelope) level. I will hold off on showing my income or all my categories for now – but I think its exciting to show what I am spending and look for support and ideas on my journey.
    The below screenshot is a quick review of my January spending. I’m looking for insights with my data, and realistic (or not) my challenge goals are for saving and cutting back spending.

    Read more on ready2budget.com, link below to blog post:

    https://ready2budget.com/2020/02/22/ynab-digital-cash-envelopes-real-numbers-homegrown-reporting/

    #real #numbers #budget #cashenvelopes #ynab
  • 4 0 4 hours ago
  • What are your favorite things to budget for and how do you decide how much you want to stuff in each envelope a month? 🧐 🤔
  • What are your favorite things to budget for and how do you decide how much you want to stuff in each envelope a month? 🧐 🤔
  • 23 15 4 hours ago
  • The Budgeting Press turns 1 year old today! I think it’s only fitting that I show a quick before and after of my my cash envelopes. 
One of my favorite parts about our debt free journey has been learning how to make this process our own.  I wanted to make my budgeting process and cash organization system sustainable and somewhat effortless.  The types of envelopes we use have changed throughout this past year, but the process of budgeting and stuffing envelopes really hasn’t. 
For anyone who is starting to budget or anyone who is struggling with the current system they are using, my only advice is to make it your own so that you still stick with it. After all, we say all the time that personal finance is personal.
  • The Budgeting Press turns 1 year old today! I think it’s only fitting that I show a quick before and after of my my cash envelopes.
    One of my favorite parts about our debt free journey has been learning how to make this process our own. I wanted to make my budgeting process and cash organization system sustainable and somewhat effortless. The types of envelopes we use have changed throughout this past year, but the process of budgeting and stuffing envelopes really hasn’t.
    For anyone who is starting to budget or anyone who is struggling with the current system they are using, my only advice is to make it your own so that you still stick with it. After all, we say all the time that personal finance is personal.
  • 47 1 5 hours ago
  • ❗My view every Friday morning before I go grocery shopping on our weekly budget. ❗

GROCERY BUDGETING TIPS:

I utilize a weekly menu board so I can map out all dinners and plan accordingly.  If it's a tight week [dog food, cat litter, toilet paper weeks] I will go through my cabinets to see what random ingredients I can throw into a dinner.  I will also always have 2-3 days of leftovers so I make sure any extras are eaten.

I utilize Meijer MPerks and make sure to clip any coupons for products I have written on my list.  I try hard not to talk myself into unnecessary purchases for things I don't need because there's a coupon.

I will also never participate in 10 for 10 deals, or anything that requires you to purchase more to save a little amount at that time.  I try my best to buy only for that week.  I almost always have extra in my envelope when I leave the store but we tend to roll that over until the end of the month and then deposit that extra money for a bonus on our debt snowball payments.
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#daveramsey #budgeting #budget #grocerybudget #savingongroceries #couponer #coupons #savemoney #moneysaver #moneysaving #budgets #cashenvelopes #weeklymenu #grocery #groceryshopping #groceryhaul #bs2 #babystep2 #babysteps
  • ❗My view every Friday morning before I go grocery shopping on our weekly budget. ❗

    GROCERY BUDGETING TIPS:

    I utilize a weekly menu board so I can map out all dinners and plan accordingly. If it's a tight week [dog food, cat litter, toilet paper weeks] I will go through my cabinets to see what random ingredients I can throw into a dinner. I will also always have 2-3 days of leftovers so I make sure any extras are eaten.

    I utilize Meijer MPerks and make sure to clip any coupons for products I have written on my list. I try hard not to talk myself into unnecessary purchases for things I don't need because there's a coupon.

    I will also never participate in 10 for 10 deals, or anything that requires you to purchase more to save a little amount at that time. I try my best to buy only for that week. I almost always have extra in my envelope when I leave the store but we tend to roll that over until the end of the month and then deposit that extra money for a bonus on our debt snowball payments.
    .
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    #daveramsey #budgeting #budget #grocerybudget #savingongroceries #couponer #coupons #savemoney #moneysaver #moneysaving #budgets #cashenvelopes #weeklymenu #grocery #groceryshopping #groceryhaul #bs2 #babystep2 #babysteps
  • 3 0 5 hours ago
  • 💵 What’s your side hustle? 💵 What do you do to bring in extra income to  help eat away at your debt? 💵 I’m currently listing items on Poshmark with the hopes that it’ll sell eventually! 💵 I’ve also been able to obtain a little Over-Time at my job so I’m throwing every single penny I earn at debt! 💵 I keep thinking what are you good at and how can that benefit you to allow for additional income? 💵
  • 💵 What’s your side hustle? 💵 What do you do to bring in extra income to help eat away at your debt? 💵 I’m currently listing items on Poshmark with the hopes that it’ll sell eventually! 💵 I’ve also been able to obtain a little Over-Time at my job so I’m throwing every single penny I earn at debt! 💵 I keep thinking what are you good at and how can that benefit you to allow for additional income? 💵
  • 5 2 6 hours ago
  • Budget Life Really IS the Best Life! We barely survived (ha!) the last 5 weeks since we last withdrew cash for our envelopes ... but, we we made it! Bring on the next 5 weeks! 👏🏻 #budgetlifeisthebestlife #daveramsey #cashenvelopes
  • Budget Life Really IS the Best Life! We barely survived (ha!) the last 5 weeks since we last withdrew cash for our envelopes ... but, we we made it! Bring on the next 5 weeks! 👏🏻 #budgetlifeisthebestlife #daveramsey #cashenvelopes
  • 0 0 7 hours ago
  • Since starting this debt free journey on January 1, I have been doing everything possible to NOT spend my cash envelopes! I have been so gazelle intense trying to save every dollar, but not LIVING how I want. Today I used my “Fun” envelope for the first time! I budget $75 a month and took my son to the trampoline park and chik fil a for lunch. It was FUN! And I was happy to spend the money on something I budgeted for. 🖤 do your budget your “fun” monthly? Or is it a sinking fund??!
  • Since starting this debt free journey on January 1, I have been doing everything possible to NOT spend my cash envelopes! I have been so gazelle intense trying to save every dollar, but not LIVING how I want. Today I used my “Fun” envelope for the first time! I budget $75 a month and took my son to the trampoline park and chik fil a for lunch. It was FUN! And I was happy to spend the money on something I budgeted for. 🖤 do your budget your “fun” monthly? Or is it a sinking fund??!
  • 83 3 7 hours ago
  • Indescribable. Handing a person cash, signing the title over in person and driving away without a car payment. That feeling, knowledge and security is worth ALL the hassle of buying vehicles this way. To be completely candid, I do NOT enjoy this process of buying a car in cash (i.e. being patient and taking your time, taking tons of potential vehicles to the mechanic for inspections and let downs, meeting and negotiating with perfect strangers etc.) But I am happy to say that I will never do it any other way! 😁
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***** LONG POST ALERT *****
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It took us about 2 months, lots of overtime, car shopping online all week & person every Saturday and a lot of interesting stories before we found our new-to-us-boo ! THIS IS Q!! She is a 2006 Toyota Corolla. 144k in mileage and only 1 previous owner. Our mechanic said she has 2 tires with dry rot and a leaky gasket thingy. (Lol) but nothing we need to do immediately. He also said these babies (and camrys) can get up to 500k miles - no problem. 👌They were asking $3k and with the findings, were kind to negotiate with us down to $2,700. .
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Another HUGE blessing is that we found this small Automotive Shop that services and sells vehicles. It was the ONLY place that we were treated like customers. They were friendly, honest and fair. We will be buying all of our future paid-for-new-to-us-vehicles there!! (Lutz Automotive location is tagged) .
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Thank you God for sending #DaveRamsey to change our whole perspective of money. I can't never again live without this feeling of Financial peace. Even in the middle of an emergency, there is no more drama around money in our lives. We highly recommend it!
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#DebtFreeCommunity #lgbtDFC  #DebtFreeMafia #FinancialFreedom 🚫#debt🚫#credit #PersonalFinance #FinancialLiteracy #BabySteps #DaveRamseyBabySteps #FinancialPeace #TotalMoneyMakeover #DebtIsDumb #CashIsKing #GazelleIntense #DebtFree #EmergencyFund #DebtFreeLife #Budgeting #Budget #SaveMoney #Money #CashEnvelopes #CashFlow #RetireInspired #LGBT #OhSoDebtFree
  • Indescribable. Handing a person cash, signing the title over in person and driving away without a car payment. That feeling, knowledge and security is worth ALL the hassle of buying vehicles this way. To be completely candid, I do NOT enjoy this process of buying a car in cash (i.e. being patient and taking your time, taking tons of potential vehicles to the mechanic for inspections and let downs, meeting and negotiating with perfect strangers etc.) But I am happy to say that I will never do it any other way! 😁
    .
    ***** LONG POST ALERT *****
    .
    It took us about 2 months, lots of overtime, car shopping online all week & person every Saturday and a lot of interesting stories before we found our new-to-us-boo ! THIS IS Q!! She is a 2006 Toyota Corolla. 144k in mileage and only 1 previous owner. Our mechanic said she has 2 tires with dry rot and a leaky gasket thingy. (Lol) but nothing we need to do immediately. He also said these babies (and camrys) can get up to 500k miles - no problem. 👌They were asking $3k and with the findings, were kind to negotiate with us down to $2,700. .
    .
    Another HUGE blessing is that we found this small Automotive Shop that services and sells vehicles. It was the ONLY place that we were treated like customers. They were friendly, honest and fair. We will be buying all of our future paid-for-new-to-us-vehicles there!! (Lutz Automotive location is tagged) .
    .
    .
    Thank you God for sending #DaveRamsey to change our whole perspective of money. I can't never again live without this feeling of Financial peace. Even in the middle of an emergency, there is no more drama around money in our lives. We highly recommend it!
    .
    .
    .
    .
    #DebtFreeCommunity #lgbtDFC   #DebtFreeMafia #FinancialFreedom 🚫 #debt 🚫 #credit #PersonalFinance #FinancialLiteracy #BabySteps #DaveRamseyBabySteps #FinancialPeace #TotalMoneyMakeover #DebtIsDumb #CashIsKing #GazelleIntense #DebtFree #EmergencyFund #DebtFreeLife #Budgeting #Budget #SaveMoney #Money #CashEnvelopes #CashFlow #RetireInspired #LGBT #OhSoDebtFree
  • 41 2 7 hours ago
  • Let’s stay motivated and focus on our goals 💪🏼.
  • Let’s stay motivated and focus on our goals 💪🏼.
  • 13 3 7 hours ago
  • By Dave Ramsey. Let’s stay motivated. 😊
  • By Dave Ramsey. Let’s stay motivated. 😊
  • 12 2 8 hours ago
  • So exciting 😊
  • So exciting 😊
  • 23 5 8 hours ago
  • Congrats to @packerfam2012 for winning one of my #pearllife edition cash envelope wallets. I know Brittany made an announcement over on her stories, but I wanted to also celebrate here 🎉🎉. I will have your wallet in the mail on Monday. 😁
💚💛
Thank you to everyone who joined me here at Daisy Lane Design this past week, for entering the giveaway, and for showing this little wallet so much love! It makes me extremely happy to make something that can be enjoyed so enthusiastically.
💚💛
I hope that if you are new here that you have found something that resonates with you and that you choose to stay. 🥰 I am always excited to add new connections to my little corner of this online community and whether you’re here for the budgeting, the knitting, or the sewing classes, I hope you know you are welcome!
💚💛
Have a lovely weekend everyone! ☀️
#dIsylanedesign #cashenvelopes
  • Congrats to @packerfam2012 for winning one of my #pearllife edition cash envelope wallets. I know Brittany made an announcement over on her stories, but I wanted to also celebrate here 🎉🎉. I will have your wallet in the mail on Monday. 😁
    💚💛
    Thank you to everyone who joined me here at Daisy Lane Design this past week, for entering the giveaway, and for showing this little wallet so much love! It makes me extremely happy to make something that can be enjoyed so enthusiastically.
    💚💛
    I hope that if you are new here that you have found something that resonates with you and that you choose to stay. 🥰 I am always excited to add new connections to my little corner of this online community and whether you’re here for the budgeting, the knitting, or the sewing classes, I hope you know you are welcome!
    💚💛
    Have a lovely weekend everyone! ☀️
    #dIsylanedesign #cashenvelopes
  • 26 0 8 hours ago
  • Happy Saturday! 💛💛💛 Today is restocking day for my Etsy shop.  First, I ran these orders to the post office before they closed.  These will be heading to HI, NY, TX, FL and and CA! ✨✨✨I hope everyone is having an awesome Saturday so far! 💕💕💕💕
  • Happy Saturday! 💛💛💛 Today is restocking day for my Etsy shop. First, I ran these orders to the post office before they closed. These will be heading to HI, NY, TX, FL and and CA! ✨✨✨I hope everyone is having an awesome Saturday so far! 💕💕💕💕
  • 10 1 8 hours ago
  • "𝘠𝘰𝘶 𝘮𝘶𝘴𝘵 𝘨𝘢𝘪𝘯 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘰𝘷𝘦𝘳 𝘺𝘰𝘶𝘳 𝘮𝘰𝘯𝘦𝘺 𝘰𝘳 𝘵𝘩𝘦 𝘭𝘢𝘤𝘬 𝘰𝘧 𝘪𝘵 𝘸𝘪𝘭𝘭 𝘧𝘰𝘳𝘦𝘷𝘦𝘳 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘺𝘰𝘶." - 𝘋𝘢𝘷𝘦 𝘙𝘢𝘮𝘴𝘦𝘺⁣ 💸⁣
⁣⁣
It is late, but my cash envelope stuffing video for paycheck number 1 this month is on my YouTube Channel. Please have a look, and go "like" and "subscribe." It helps me out a lot! ⁣⁣
⁣
Link in my bio!⁣
⁣⁣
Enjoy! ⁣⁣
⁣⁣
#budgeting #daveramsey #cashenvelopes #debtfreejourney #cashisking #budget #money #adulting #babysteps #bs2 #debtisdumb
  • "𝘠𝘰𝘶 𝘮𝘶𝘴𝘵 𝘨𝘢𝘪𝘯 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘰𝘷𝘦𝘳 𝘺𝘰𝘶𝘳 𝘮𝘰𝘯𝘦𝘺 𝘰𝘳 𝘵𝘩𝘦 𝘭𝘢𝘤𝘬 𝘰𝘧 𝘪𝘵 𝘸𝘪𝘭𝘭 𝘧𝘰𝘳𝘦𝘷𝘦𝘳 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘺𝘰𝘶." - 𝘋𝘢𝘷𝘦 𝘙𝘢𝘮𝘴𝘦𝘺⁣ 💸⁣
    ⁣⁣
    It is late, but my cash envelope stuffing video for paycheck number 1 this month is on my YouTube Channel. Please have a look, and go "like" and "subscribe." It helps me out a lot! ⁣⁣

    Link in my bio!⁣
    ⁣⁣
    Enjoy! ⁣⁣
    ⁣⁣
    #budgeting #daveramsey #cashenvelopes #debtfreejourney #cashisking #budget #money #adulting #babysteps #bs2 #debtisdumb
  • 4 0 9 hours ago
  • ✨FOCUS✨
Sometimes we are so focused on trying to do many things, that we don’t do any of them well. The key is narrowing your focus and energy to one thing at a time. Master it. Create a new habit. Then, focus on the next thing. 
This is what we should do when it comes to our financial goals as well! We want to save, pay off debt, invest, buy properties....all the same time! The reality is that we will never do any of them well if we try to do everything at the same time. 
Below is our list of Financial steps that we follow. The key is focusing on one step at a time! 
1️⃣ Create a hand written budget & start the cash envelope method. Budgeting is KEY and the most important step. The cash envelope method helps to hold you accountable to the budget you set.

2️⃣ Get current on all bills. If you are behind on rent, utilities or any other bills, we would start by getting current before starting a savings fund or paying off debt. 
3️⃣ Set up a checking buffer of $50-$200. We teach a ZERO BASED BUDGET which means if you make $3k per month, you will be assigning all $3k a name. If you don’t have a checking buffer, your checking account would be $0 at the end of the pay period. The checking buffer helps to ensure you never overdraft your account. 
4️⃣ Save a starter emergency fund of $1,000. Sell stuff, pick up some side work, do whatever you can do to get this $1,000 as quickly as possible. Once you get it put it into a savings account and ONLY use it for emergencies!

5️⃣ Pay off all of your debt using the debt snowball method. List your debts by smallest balance to largest. Then, start paying on the smallest balance first! 
6️⃣ Save a fully funded emergency fund of 3-6 months of expenses. For example, if your expenses (bills, food, gas, etc) cost $3k per month, you would save $9k- $18k. 
7️⃣ Save 20% for a down payment on a house. We recommend a 15 year fixed rate mortgage. Your mortgage should be no more than 25% of your monthly income. 
8️⃣ Save for retirement, kids college and focus on paying off your home early. 
What step are you on❓
  • ✨FOCUS✨
    Sometimes we are so focused on trying to do many things, that we don’t do any of them well. The key is narrowing your focus and energy to one thing at a time. Master it. Create a new habit. Then, focus on the next thing.
    This is what we should do when it comes to our financial goals as well! We want to save, pay off debt, invest, buy properties....all the same time! The reality is that we will never do any of them well if we try to do everything at the same time.
    Below is our list of Financial steps that we follow. The key is focusing on one step at a time!
    1️⃣ Create a hand written budget & start the cash envelope method. Budgeting is KEY and the most important step. The cash envelope method helps to hold you accountable to the budget you set.

    2️⃣ Get current on all bills. If you are behind on rent, utilities or any other bills, we would start by getting current before starting a savings fund or paying off debt.
    3️⃣ Set up a checking buffer of $50-$200. We teach a ZERO BASED BUDGET which means if you make $3k per month, you will be assigning all $3k a name. If you don’t have a checking buffer, your checking account would be $0 at the end of the pay period. The checking buffer helps to ensure you never overdraft your account.
    4️⃣ Save a starter emergency fund of $1,000. Sell stuff, pick up some side work, do whatever you can do to get this $1,000 as quickly as possible. Once you get it put it into a savings account and ONLY use it for emergencies!

    5️⃣ Pay off all of your debt using the debt snowball method. List your debts by smallest balance to largest. Then, start paying on the smallest balance first!
    6️⃣ Save a fully funded emergency fund of 3-6 months of expenses. For example, if your expenses (bills, food, gas, etc) cost $3k per month, you would save $9k- $18k.
    7️⃣ Save 20% for a down payment on a house. We recommend a 15 year fixed rate mortgage. Your mortgage should be no more than 25% of your monthly income.
    8️⃣ Save for retirement, kids college and focus on paying off your home early.
    What step are you on❓
  • 67 4 10 hours ago
  • Before you throw away those sad looking fruits, throw them in a blender for a smoothie and add some cinnamon - So Delicious! Happy Saturday ! ☀️🍌🍊🍇
#nowaste
  • Before you throw away those sad looking fruits, throw them in a blender for a smoothie and add some cinnamon - So Delicious! Happy Saturday ! ☀️🍌🍊🍇
    #nowaste
  • 51 2 11 hours ago
  • It’s a beautiful sunny but absolutely freezing day here, so I’m cuddled up inside planning out my life for the next 2 years 😂❄️☀️
•
I budget and (usually) stick to my cash envelopes, but I don’t actually track anything through an app or on paper 😬 I kind of have a running budget, scattered between notes on my phone and my forgetful mind. 😅
•
It’s a little late to make a New Years resolution, but I’m going to try to start making an effort to track things and write them down more. 📝
•
I bought a 2020 planner the other day, but I’ve added in all the dates for 2021 too. I’m making it a priority to carry around this little book until the end of next year. 🗓 I’m hoping by that time, I’ll be finished my debt-free journey and moved onto baby step 3!
•
So this little book is going to be my best friend for the next 678 days (but who’s counting?) 📆
•
Do you track your budget, and if so how?! 😊
  • It’s a beautiful sunny but absolutely freezing day here, so I’m cuddled up inside planning out my life for the next 2 years 😂❄️☀️

    I budget and (usually) stick to my cash envelopes, but I don’t actually track anything through an app or on paper 😬 I kind of have a running budget, scattered between notes on my phone and my forgetful mind. 😅

    It’s a little late to make a New Years resolution, but I’m going to try to start making an effort to track things and write them down more. 📝

    I bought a 2020 planner the other day, but I’ve added in all the dates for 2021 too. I’m making it a priority to carry around this little book until the end of next year. 🗓 I’m hoping by that time, I’ll be finished my debt-free journey and moved onto baby step 3!

    So this little book is going to be my best friend for the next 678 days (but who’s counting?) 📆

    Do you track your budget, and if so how?! 😊
  • 35 5 11 hours ago
  • I have been living a cash only lifestyle for almost two years now. So many questions plagued my mind when I first began this journey. One of which was, how do I pay for online purchases or bills?⠀
⠀
As time and my learning evolved. I've come up with two ways I pay for online bills or unexpected expenses. ⠀
⠀
1. I use a zero based budget. This means every dollar has a place it belongs. So outside of my monthly bills which are on automated withdrawal, I also have a certain amount that I keep in my checking account as a buffer. The amount varies each month, but it's used for situations like, if I left my "gas envelope" at home and I needed some gas in a hurry. (It's up to you if you want to take the amount you spent out of your cash envelope and deposit it back into your account. Usually, I don't because that's one of the reasons for my buffer.)⠀
⠀
2. When an online bill comes in the mail, I take the money I've saved from a certain envelope and deposit the amount needed into my checking account and pay for the bill that way. For example, my car registration is due. It's an online bill, so I took money from my car envelope and deposited it into my account to pay for this fee. ⠀
⠀
So it's up to you how you want to handle such situations. These are just two of the ways in which have worked for me. ⠀
⠀
#debtfreecommunity #debtfreejourney #debtfree #success #journey #financialfreedom #debtfreelife #personalfinance #finances #wealth #youcandoit #encouragement #cash #cashonly #cashenvelopes #money #spendinghabits #people #choices #realife #payingbills
  • I have been living a cash only lifestyle for almost two years now. So many questions plagued my mind when I first began this journey. One of which was, how do I pay for online purchases or bills?⠀

    As time and my learning evolved. I've come up with two ways I pay for online bills or unexpected expenses. ⠀

    1. I use a zero based budget. This means every dollar has a place it belongs. So outside of my monthly bills which are on automated withdrawal, I also have a certain amount that I keep in my checking account as a buffer. The amount varies each month, but it's used for situations like, if I left my "gas envelope" at home and I needed some gas in a hurry. (It's up to you if you want to take the amount you spent out of your cash envelope and deposit it back into your account. Usually, I don't because that's one of the reasons for my buffer.)⠀

    2. When an online bill comes in the mail, I take the money I've saved from a certain envelope and deposit the amount needed into my checking account and pay for the bill that way. For example, my car registration is due. It's an online bill, so I took money from my car envelope and deposited it into my account to pay for this fee. ⠀

    So it's up to you how you want to handle such situations. These are just two of the ways in which have worked for me. ⠀

    #debtfreecommunity #debtfreejourney #debtfree #success #journey #financialfreedom #debtfreelife #personalfinance #finances #wealth #youcandoit #encouragement #cash #cashonly #cashenvelopes #money #spendinghabits #people #choices #realife #payingbills
  • 17 2 11 hours ago
  • Progress not perfection.... I’ve managed to add an additional $1,529.15 to my debt this month and for that I’m thankful! I have a huge amount resting solely on my shoulders but I have to trust God will make a way and he will see me through this journey! 
Favorite scripture right now, Proverbs 3:5! 🙏🏽
  • Progress not perfection.... I’ve managed to add an additional $1,529.15 to my debt this month and for that I’m thankful! I have a huge amount resting solely on my shoulders but I have to trust God will make a way and he will see me through this journey!
    Favorite scripture right now, Proverbs 3:5! 🙏🏽
  • 9 1 12 hours ago
  • I like having a visual savings/debt charts to fill in. It makes me happy and it’s very satisfying to fill up those boxes knowing I’m financially getting somewhere. 
A year ago I wouldn’t have this much saved, payed off this much debt, or sinking funds preparing me for this years events. 
Ima pat myself on the back and give myself credit for how far I’ve come and only gives me strength to keep going. Cause it ain’t easy, as most of you would know 😄❤️ #debtfreejourney #debtfreecommunity #zerobasedbudget #sinkingfunds #cashenvelopes
  • I like having a visual savings/debt charts to fill in. It makes me happy and it’s very satisfying to fill up those boxes knowing I’m financially getting somewhere.
    A year ago I wouldn’t have this much saved, payed off this much debt, or sinking funds preparing me for this years events.
    Ima pat myself on the back and give myself credit for how far I’ve come and only gives me strength to keep going. Cause it ain’t easy, as most of you would know 😄❤️ #debtfreejourney #debtfreecommunity #zerobasedbudget #sinkingfunds #cashenvelopes
  • 12 0 12 hours ago
  • Love love LOVE having this to glance at each month. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
As we wrap up the month of February I like to look back to make sure everything got paid and transfer the due dates of different bills over to the March-at-a-glance page. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Having my goals on this page helps remind me what we are working towards. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Do you guys use a page like this to lay out your bill due dates and see where you’re money has to go first?
  • Love love LOVE having this to glance at each month. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    As we wrap up the month of February I like to look back to make sure everything got paid and transfer the due dates of different bills over to the March-at-a-glance page. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    Having my goals on this page helps remind me what we are working towards. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    Do you guys use a page like this to lay out your bill due dates and see where you’re money has to go first?
  • 33 3 12 hours ago
  • I woke up this morning with the idea to find out how much I could save taking the bus to work instead of my car. There is a park and ride around the corner from me and I know many professionals opt to take the bus. My findings were surprising.

For this exercise I used the following numbers:
✅ 28 miles round trip
✅ $2.50 per gallon
✅ 25 miles per gallon
✅ $4.50 in bus tolls per day
✅ $3.25 on toll road per day

I was looking forward to some big cost savings, and I felt taking the bus could help me accomplish 3 things:
🔷 30 minutes of activity per day (walking to and from the bus)
🔷 Better use of my time on the road (reading, writing etc.)
🔷 Less wear and tear on my car

I chose to compare my current ride to taking the bus 3 days a week and 5 days. My findings came out to saving up to $31. On a separate exercise I increased the gas to $3 per gallon, but that didn’t make any big changes. Unfortunately, I wasn’t able to quantify the additional savings from less oil changes, and less mileage added to my car. While saving even a little extra every month is great, the bus routes I found were not economical. Each way was 1.5 hours, and I currently spend 40 minutes to 1 hour in the car. Over a years time I could save $360, but spend an additional 120 hours on the bus. 🚗🤷‍♀️🚌 It’s an interesting trade off and I would love to hear your thoughts!

Which would you prefer, and have you made any changes in your transportation that saved you money?
  • I woke up this morning with the idea to find out how much I could save taking the bus to work instead of my car. There is a park and ride around the corner from me and I know many professionals opt to take the bus. My findings were surprising.

    For this exercise I used the following numbers:
    ✅ 28 miles round trip
    ✅ $2.50 per gallon
    ✅ 25 miles per gallon
    ✅ $4.50 in bus tolls per day
    ✅ $3.25 on toll road per day

    I was looking forward to some big cost savings, and I felt taking the bus could help me accomplish 3 things:
    🔷 30 minutes of activity per day (walking to and from the bus)
    🔷 Better use of my time on the road (reading, writing etc.)
    🔷 Less wear and tear on my car

    I chose to compare my current ride to taking the bus 3 days a week and 5 days. My findings came out to saving up to $31. On a separate exercise I increased the gas to $3 per gallon, but that didn’t make any big changes. Unfortunately, I wasn’t able to quantify the additional savings from less oil changes, and less mileage added to my car. While saving even a little extra every month is great, the bus routes I found were not economical. Each way was 1.5 hours, and I currently spend 40 minutes to 1 hour in the car. Over a years time I could save $360, but spend an additional 120 hours on the bus. 🚗🤷‍♀️🚌 It’s an interesting trade off and I would love to hear your thoughts!

    Which would you prefer, and have you made any changes in your transportation that saved you money?
  • 15 5 12 hours ago