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  • Catching up on my daily transactions & setting up my cash envelopes for the next two weeks. 
FOOD -$250
FUN-$100
KIDS-$60
MISC.- $50
RUBY-$40

I haven’t been cooking lately, so I know I’ve already spent WAY more than what I had budgeted for food this month. 
I have tons of groceries in my pantry & freezer.  The goal the next few weeks is to use what I already have- today I’m determined to create a meal plan for the next two weeks. 
I currently have $250 allocated to food but my hope is that I only use $50- this would be for fruits, veggies, milk, eggs, etc.  I’m determined to stick to this! 
A decade ago I lived paycheck to paycheck and eating out wasn’t even an option. I was forced to create meals for my family for $10 a day.  As my salary grew, so did my spending- especially in the food category.  My belief was because I was working so hard every day as a single mom, I felt like I deserved the luxury of eating out.  What a waste! All that money spent on eating out when I could have saved it and applied it to bills or a family vacation!!! Here I am 10+ years later, I know I can still feed my family for $10 a day, however I’m spending over $60+ a day because I get lazy after a long 12+ hour work day and it’s easier to pick up take out.  For me it’s the only category in my budget that I have a hard time with.  That changes today! I’m tired of seeing my grocery budget being blown every month! 
The key to saving is recognizing that in some areas of your spending you need to live BELOW your means not BEYOND them. 
I know I can create amazing meals for my family for pennies- I just have to do it! 
What area is the hardest for you to control your spending?  #cashenvelopes #budgeting #daveramsey #soontobedebtfree 
#functionalplanning #planneraddict
#plannercommunity
#planner #plannergirl
#plannerobsessed #plannerlife
#plan #planning #planahappylife #plannersgonnaplan 
#plannernerd 
#planahappylife 
#plannerbabe
#plannerlove #fortheloveofplanners #personalplanner #selfcontrol #personalfinances #foodbudget
  • Catching up on my daily transactions & setting up my cash envelopes for the next two weeks.
    FOOD -$250
    FUN-$100
    KIDS-$60
    MISC.- $50
    RUBY-$40

    I haven’t been cooking lately, so I know I’ve already spent WAY more than what I had budgeted for food this month.
    I have tons of groceries in my pantry & freezer. The goal the next few weeks is to use what I already have- today I’m determined to create a meal plan for the next two weeks.
    I currently have $250 allocated to food but my hope is that I only use $50- this would be for fruits, veggies, milk, eggs, etc. I’m determined to stick to this!
    A decade ago I lived paycheck to paycheck and eating out wasn’t even an option. I was forced to create meals for my family for $10 a day. As my salary grew, so did my spending- especially in the food category. My belief was because I was working so hard every day as a single mom, I felt like I deserved the luxury of eating out. What a waste! All that money spent on eating out when I could have saved it and applied it to bills or a family vacation!!! Here I am 10+ years later, I know I can still feed my family for $10 a day, however I’m spending over $60+ a day because I get lazy after a long 12+ hour work day and it’s easier to pick up take out. For me it’s the only category in my budget that I have a hard time with. That changes today! I’m tired of seeing my grocery budget being blown every month!
    The key to saving is recognizing that in some areas of your spending you need to live BELOW your means not BEYOND them.
    I know I can create amazing meals for my family for pennies- I just have to do it!
    What area is the hardest for you to control your spending? #cashenvelopes #budgeting #daveramsey #soontobedebtfree
    #functionalplanning #planneraddict
    #plannercommunity
    #planner #plannergirl
    #plannerobsessed #plannerlife
    #plan #planning #planahappylife #plannersgonnaplan
    #plannernerd
    #planahappylife
    #plannerbabe
    #plannerlove #fortheloveofplanners #personalplanner #selfcontrol #personalfinances #foodbudget
  • 1,588 83 10 February, 2019

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  • Hello #dfc ! My wcw goes out to this lady here. My parents were hardcore frugal! They literally had #cashenvelopes before I even knew what that was. My dad would give my mom grocery money every week and she would save all her nickels and dimes left over. I was the only daughter of 5, so of course I’m the princess. One day, she saved enough money to buy me a doll at Kmart. She told me to tell my dad I got it from my teacher. Of course, he didn’t believe her. He played bad cop and threw the doll and made her return it (we just didn’t have the luxury to get toys Willy nilly). I remember that day. She drove me back to Kmart and cried all the way there. She cried all the way back home. My mom wanted to give me the world when she couldn’t. She’s pulled so much weight for her family. She worked 7 days a week to pay off mortgage and 2 cars when my dad was laid off for 2 years when I was in elementary. She never made my dad feel less than. She kept her head down and did what she could for her family. It makes me want to succeed so I can give her the world. I pray to be as loving as she is as a mother, a wife, and a genuinely good person. #girlsruntheworld
  • Hello #dfc ! My wcw goes out to this lady here. My parents were hardcore frugal! They literally had #cashenvelopes before I even knew what that was. My dad would give my mom grocery money every week and she would save all her nickels and dimes left over. I was the only daughter of 5, so of course I’m the princess. One day, she saved enough money to buy me a doll at Kmart. She told me to tell my dad I got it from my teacher. Of course, he didn’t believe her. He played bad cop and threw the doll and made her return it (we just didn’t have the luxury to get toys Willy nilly). I remember that day. She drove me back to Kmart and cried all the way there. She cried all the way back home. My mom wanted to give me the world when she couldn’t. She’s pulled so much weight for her family. She worked 7 days a week to pay off mortgage and 2 cars when my dad was laid off for 2 years when I was in elementary. She never made my dad feel less than. She kept her head down and did what she could for her family. It makes me want to succeed so I can give her the world. I pray to be as loving as she is as a mother, a wife, and a genuinely good person. #girlsruntheworld
  • 514 39 6 hours ago
  • My cash envelopes. I just use letter envelopes. The longer ones I got from @officedepot and the smaller ones just from @target . The longer ones I lay the money down to get the length I need to cut. Then I cut them and seal the envelopes. The smaller ones I just fold the flap inside the envelopes. You could cut the flap off but it's a smoother edge on the top to just leave it. Then I grab my pretty @paper_mate pens and make them fun. One I did is just a simple drawn label and a scripture. The other is just a fun hand written label. You don't have to use scriptures, it could be your favorite quote or a pretty picture or just leave it simple and just label the envelopes. The key for us was to have fun with them. It's a great project that even the kids enjoy helping with. #cashenvelopes #debtfreecommunity #cashflow #daveramsey #nomorecreditcards #goals #debtfreejourney #debtfree #pens #handmade #simple #happy
  • My cash envelopes. I just use letter envelopes. The longer ones I got from @officedepot and the smaller ones just from @target . The longer ones I lay the money down to get the length I need to cut. Then I cut them and seal the envelopes. The smaller ones I just fold the flap inside the envelopes. You could cut the flap off but it's a smoother edge on the top to just leave it. Then I grab my pretty @paper_mate pens and make them fun. One I did is just a simple drawn label and a scripture. The other is just a fun hand written label. You don't have to use scriptures, it could be your favorite quote or a pretty picture or just leave it simple and just label the envelopes. The key for us was to have fun with them. It's a great project that even the kids enjoy helping with. #cashenvelopes #debtfreecommunity #cashflow #daveramsey #nomorecreditcards #goals #debtfreejourney #debtfree #pens #handmade #simple #happy
  • 1,044 53 3 March, 2019

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  • I write this with about 5% sarcasm and 95%determination. Apart of me looks at this number and rolls my eyes because really?! Another part of me is like only 85% to go. 💪🏿 I've decided we are going to be millionaires and I'm not playing around with the idea. We want to set ourselves up to live a financially independent lifestyle when we are around 50 to 55. 🌈

I asked the hubs what kinda job would he like after this military life and his response was "High School Basketball Coach." I say to him then that's what you're gonna do! 🏀

Have you calculated your Networth get? If not what are you waiting for? Try it!
  • I write this with about 5% sarcasm and 95%determination. Apart of me looks at this number and rolls my eyes because really?! Another part of me is like only 85% to go. 💪🏿 I've decided we are going to be millionaires and I'm not playing around with the idea. We want to set ourselves up to live a financially independent lifestyle when we are around 50 to 55. 🌈

    I asked the hubs what kinda job would he like after this military life and his response was "High School Basketball Coach." I say to him then that's what you're gonna do! 🏀

    Have you calculated your Networth get? If not what are you waiting for? Try it!
  • 2,177 83 19 March, 2019

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  • Soon we will have a whole board of these. I'm on my way to print out a Roth Ira sheet and a 2019 Side Hustle  sheet  from @debtfreecharts because they are so daggum motivating.

I'm in total agreeance that watching your debt go down or your savings go up can help keep you on track with your goals.  What do you us to track your goals? 💕

There's also kids artwork to keep me smiling. ☺
  • Soon we will have a whole board of these. I'm on my way to print out a Roth Ira sheet and a 2019 Side Hustle sheet from @debtfreecharts because they are so daggum motivating.

    I'm in total agreeance that watching your debt go down or your savings go up can help keep you on track with your goals. What do you us to track your goals? 💕

    There's also kids artwork to keep me smiling. ☺
  • 1,316 51 15 March, 2019

Latest Instagram Posts

  • The results are tallied and this week I was able to save $41.71 from my weekly $100. This included a few groceries, a tank of gas, three take out meals and pitching in for a co-workers birthday. $11 will go towards funding the rest of my dog’s hair cut next week. The rest will go into my household fund unless I decide to splurge on something during spring break. Amazing to think I had no problem spending this in a day just a short time ago.  #budgetwin #dfc #cashenvelopes #debtfreecommunity #mortgagefreejourney #singledebtfreejourney #frugalliving
  • The results are tallied and this week I was able to save $41.71 from my weekly $100. This included a few groceries, a tank of gas, three take out meals and pitching in for a co-workers birthday. $11 will go towards funding the rest of my dog’s hair cut next week. The rest will go into my household fund unless I decide to splurge on something during spring break. Amazing to think I had no problem spending this in a day just a short time ago. #budgetwin #dfc #cashenvelopes #debtfreecommunity #mortgagefreejourney #singledebtfreejourney #frugalliving
  • 0 0 38 seconds ago

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  • I don’t work outside the home at all but this is one thing I consider to be one of my “side hustles” - my garden. It doesn’t bring in cash but it sure frees up money. I grow a lot of our food in the summer. For example last year I grew 50 lbs of carrots and 40 lbs of potatoes. Using current grocery prices that’s about $110 worth of food for $4 worth of seeds and $20 worth of seed potatoes. Plus $5 worth of strawberry seeds produces a solid 10 lbs of strawberries every year (which is amazing when that would cost us $30-40 and the plants produce every year). Is it a huge amount? No. But it absolutely saves us money every day of the summer and fall. It teaches my kids invaluable kids. And it totally indulges my weird little house on the prairie fantasy without resorting to floral skirts that make me look like a chubby Duggar.
  • I don’t work outside the home at all but this is one thing I consider to be one of my “side hustles” - my garden. It doesn’t bring in cash but it sure frees up money. I grow a lot of our food in the summer. For example last year I grew 50 lbs of carrots and 40 lbs of potatoes. Using current grocery prices that’s about $110 worth of food for $4 worth of seeds and $20 worth of seed potatoes. Plus $5 worth of strawberry seeds produces a solid 10 lbs of strawberries every year (which is amazing when that would cost us $30-40 and the plants produce every year). Is it a huge amount? No. But it absolutely saves us money every day of the summer and fall. It teaches my kids invaluable kids. And it totally indulges my weird little house on the prairie fantasy without resorting to floral skirts that make me look like a chubby Duggar.
  • 15 3 57 minutes ago
  • SO excited about this!! I’m preparing for summer break and though I so badly need to rest, my goals for this debt free journey is over powering. I’ve been struggling to find a summer job close to James house (we don’t live together but I will be there all summer) that aligns with a short summer schedule. It has been stressing me for awhile because not only have I been looking for a summer job but my second job as an after-school leader has been taking MONTHS to start. Leaving me feeling unmotivated to even continue the process. On Monday I applied for this position recently posted at my previous college campus & today I’ve been offered an interview!! It gets even better. The position is only for the month of July therefore I have time to still somewhat enjoy my break before the new school-year AND remember my previous post about dorming?? This position requires that I live on campus, so I finally get my dorm experience for FREE this time. God truly sets things up so amazingly! Campus is within 20 minutes from James house. This is also a foot in the door to a new opportunity outside of the classroom that I want future wise🙌🏽
⚫︎Job details: Assisting foster care students attending the CUNY college with mentorship & college curriculum through scheduling and more! The job is real depth, basically a guidance counselor in a college setting.
⚫︎ Fun fact: Throughout undergrad I planned out my entire course route. I did not take advice from advisors and was able to finish in 3.5 years because of taking 18 credits a semester while working part-time anywhere near campus, for some time I had finally landed a position at the dorm building which was my first professional desk job and entry into education! It was super hard to become employed on campus and I was so proud & am so proud to do it again.
  • SO excited about this!! I’m preparing for summer break and though I so badly need to rest, my goals for this debt free journey is over powering. I’ve been struggling to find a summer job close to James house (we don’t live together but I will be there all summer) that aligns with a short summer schedule. It has been stressing me for awhile because not only have I been looking for a summer job but my second job as an after-school leader has been taking MONTHS to start. Leaving me feeling unmotivated to even continue the process. On Monday I applied for this position recently posted at my previous college campus & today I’ve been offered an interview!! It gets even better. The position is only for the month of July therefore I have time to still somewhat enjoy my break before the new school-year AND remember my previous post about dorming?? This position requires that I live on campus, so I finally get my dorm experience for FREE this time. God truly sets things up so amazingly! Campus is within 20 minutes from James house. This is also a foot in the door to a new opportunity outside of the classroom that I want future wise🙌🏽
    ⚫︎Job details: Assisting foster care students attending the CUNY college with mentorship & college curriculum through scheduling and more! The job is real depth, basically a guidance counselor in a college setting.
    ⚫︎ Fun fact: Throughout undergrad I planned out my entire course route. I did not take advice from advisors and was able to finish in 3.5 years because of taking 18 credits a semester while working part-time anywhere near campus, for some time I had finally landed a position at the dorm building which was my first professional desk job and entry into education! It was super hard to become employed on campus and I was so proud & am so proud to do it again.
  • 5 1 1 hour ago

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  • Sinking funds are a great way to put a little money aside from each paycheck to prepare for the large expenses that we know come every year.  But what about random, miscellaneous categories? Do you guys have an envelope or fund for those items? 
For our household, my current sinking funds include: pet expenses, car registration, HOA, vacation, Christmas gifts, gifts, COSTCO, and self-care. 
We don’t go to COSTCO regularly enough to make it a line item in our budget, but when we do go, I feel like my money just 💸. I created a COSTCO sinking fund to help offset the amount we spend there once every quarter. 
Also, I have a gifts and Christmas gifts section because I’m using the 52-weeks savings challenge to save for Christmas and the “gifts” category is for birthdays and other holidays. 
Do you guys have similar categories? Should quarterly clothes shopping trips for the kids have its own sinking fun? 🤷🏻‍♀️
  • Sinking funds are a great way to put a little money aside from each paycheck to prepare for the large expenses that we know come every year. But what about random, miscellaneous categories? Do you guys have an envelope or fund for those items?
    For our household, my current sinking funds include: pet expenses, car registration, HOA, vacation, Christmas gifts, gifts, COSTCO, and self-care.
    We don’t go to COSTCO regularly enough to make it a line item in our budget, but when we do go, I feel like my money just 💸. I created a COSTCO sinking fund to help offset the amount we spend there once every quarter.
    Also, I have a gifts and Christmas gifts section because I’m using the 52-weeks savings challenge to save for Christmas and the “gifts” category is for birthdays and other holidays.
    Do you guys have similar categories? Should quarterly clothes shopping trips for the kids have its own sinking fun? 🤷🏻‍♀️
  • 4 1 1 hour ago
  • Three kids and seven years worth of baby stuff has accumulated everywhere in our home. Old clothes, strollers, pack and plays - you name it - has found its way into storage in our attic, basement and garage. A big goal for us this year has been to organize and de-clutter and today we not only made a huge dent in getting rid of stuff but we also turned that stuff into CASH! We made a whopping $455 today at Once Upon a Child by selling things we that was taking up space and collecting dust. I bought a few things for the kids (and saved on tax!) and got the rest as cash that will go into the kids’ clothing cash envelope. What have you had good luck selling?
  • Three kids and seven years worth of baby stuff has accumulated everywhere in our home. Old clothes, strollers, pack and plays - you name it - has found its way into storage in our attic, basement and garage. A big goal for us this year has been to organize and de-clutter and today we not only made a huge dent in getting rid of stuff but we also turned that stuff into CASH! We made a whopping $455 today at Once Upon a Child by selling things we that was taking up space and collecting dust. I bought a few things for the kids (and saved on tax!) and got the rest as cash that will go into the kids’ clothing cash envelope. What have you had good luck selling?
  • 14 2 2 hours ago
  • Today, I can finally say I am 100% caught up on all spending and expense tracking for my business and personal finances.

Getting my laptop stolen was a set back, but I actually like the new way I have organized my spending in Quickbooks better. So for me, I'm focusing on the positive.

We are getting really close to April, so I wanted to sit down and fill out my Budget Calendar. I have also decided to utilize a bill tracker to stay even more organized with my monthly expenses and recurring bills.

The newly designed Bill Tracker is one of the freebies you will get when you purchase the new Budget-by-Paycheck Workbook being released on April 1st.

For monthly expenses, it's nice to see them on your Budget Calendar, but I also wanted to know what account expenses are being paid with. For example, I will be using this Bill Tracker for my business expenses. Some of my bills are paid from my business checking, others are paid with my business PayPal. Also, I have added a new "Auto?" area to the Bill Tracker so you know exactly which bills are coming automatically from your checking account.

April looks like a great month, and I'm excited that I don't have a lot of planned spending days.

If you haven't already, I highly encourage you to sit down and fill out your April Budget Calendar. Write down bills, holidays, planned events, and appointments. This ensures everything can be added to your Paycheck Bill Tracker (budget) and you don't forget about anything.

When that is done, map out a plan for your paychecks. Start deciding and figuring out what expenses you are going to pay for each paycheck. Now is the time to plan ahead for the new month.

Have you filled out April's Budget Calendar yet?
  • Today, I can finally say I am 100% caught up on all spending and expense tracking for my business and personal finances.

    Getting my laptop stolen was a set back, but I actually like the new way I have organized my spending in Quickbooks better. So for me, I'm focusing on the positive.

    We are getting really close to April, so I wanted to sit down and fill out my Budget Calendar. I have also decided to utilize a bill tracker to stay even more organized with my monthly expenses and recurring bills.

    The newly designed Bill Tracker is one of the freebies you will get when you purchase the new Budget-by-Paycheck Workbook being released on April 1st.

    For monthly expenses, it's nice to see them on your Budget Calendar, but I also wanted to know what account expenses are being paid with. For example, I will be using this Bill Tracker for my business expenses. Some of my bills are paid from my business checking, others are paid with my business PayPal. Also, I have added a new "Auto?" area to the Bill Tracker so you know exactly which bills are coming automatically from your checking account.

    April looks like a great month, and I'm excited that I don't have a lot of planned spending days.

    If you haven't already, I highly encourage you to sit down and fill out your April Budget Calendar. Write down bills, holidays, planned events, and appointments. This ensures everything can be added to your Paycheck Bill Tracker (budget) and you don't forget about anything.

    When that is done, map out a plan for your paychecks. Start deciding and figuring out what expenses you are going to pay for each paycheck. Now is the time to plan ahead for the new month.

    Have you filled out April's Budget Calendar yet?
  • 1,083 51 2 hours ago

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  • PREORDER IS LIVE! Sorry I’m 4 minutes late 🙃 you can preorder physical tabbed envelopes now! Spots are limited 😊 link in bio! (Or go to www.debtfreepanda.store)
#cashenvelopes #debtfreecommunity
  • PREORDER IS LIVE! Sorry I’m 4 minutes late 🙃 you can preorder physical tabbed envelopes now! Spots are limited 😊 link in bio! (Or go to www.debtfreepanda.store)
    #cashenvelopes #debtfreecommunity
  • 58 8 4 hours ago
  • GUESS WHAT DAY IT IS ‼️It’s HumpDay !!! 👏🏻👏🏻 And guess what that means ? I am giving a discount on my shop every Wednesday!  Use the code: “ WOW20 “
To get 20% off the newest set of cash envelopes (set or Individual)
Expires Tonight at Midnight
Link in my bio💕
CraftsSouthernCo 
#coupon #save #budgeting #cashenvelopes  #shop #etsyshop #follow #subscribe
  • GUESS WHAT DAY IT IS ‼️It’s HumpDay !!! 👏🏻👏🏻 And guess what that means ? I am giving a discount on my shop every Wednesday! Use the code: “ WOW20 “
    To get 20% off the newest set of cash envelopes (set or Individual)
    Expires Tonight at Midnight
    Link in my bio💕
    CraftsSouthernCo
    #coupon #save #budgeting #cashenvelopes #shop #etsyshop #follow #subscribe
  • 5 0 4 hours ago

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  • Hello #dfc ! My wcw goes out to this lady here. My parents were hardcore frugal! They literally had #cashenvelopes before I even knew what that was. My dad would give my mom grocery money every week and she would save all her nickels and dimes left over. I was the only daughter of 5, so of course I’m the princess. One day, she saved enough money to buy me a doll at Kmart. She told me to tell my dad I got it from my teacher. Of course, he didn’t believe her. He played bad cop and threw the doll and made her return it (we just didn’t have the luxury to get toys Willy nilly). I remember that day. She drove me back to Kmart and cried all the way there. She cried all the way back home. My mom wanted to give me the world when she couldn’t. She’s pulled so much weight for her family. She worked 7 days a week to pay off mortgage and 2 cars when my dad was laid off for 2 years when I was in elementary. She never made my dad feel less than. She kept her head down and did what she could for her family. It makes me want to succeed so I can give her the world. I pray to be as loving as she is as a mother, a wife, and a genuinely good person. #girlsruntheworld
  • Hello #dfc ! My wcw goes out to this lady here. My parents were hardcore frugal! They literally had #cashenvelopes before I even knew what that was. My dad would give my mom grocery money every week and she would save all her nickels and dimes left over. I was the only daughter of 5, so of course I’m the princess. One day, she saved enough money to buy me a doll at Kmart. She told me to tell my dad I got it from my teacher. Of course, he didn’t believe her. He played bad cop and threw the doll and made her return it (we just didn’t have the luxury to get toys Willy nilly). I remember that day. She drove me back to Kmart and cried all the way there. She cried all the way back home. My mom wanted to give me the world when she couldn’t. She’s pulled so much weight for her family. She worked 7 days a week to pay off mortgage and 2 cars when my dad was laid off for 2 years when I was in elementary. She never made my dad feel less than. She kept her head down and did what she could for her family. It makes me want to succeed so I can give her the world. I pray to be as loving as she is as a mother, a wife, and a genuinely good person. #girlsruntheworld
  • 514 39 6 hours ago
  • Let’s talk about car insurances... We had the same car insurance for the last 7 years (American Family Insurance) and the amount that we were paying was getting too high. •

As I was looking for ways to save money and bring our expenses down, I thought about our car insurance and started looking around. •

We were able to find an insurance that will save us $1,000 over a six month period (progressive).
•

We were sold and changed our insurance within days. We were also able pay the full amount, instead of paying a monthly payment and were able to save an extra $100. •

If you are at the beginning our your debt free journey, I would highly suggest going through your budget and find things you can save on, as cellphone bills, insurance, etc so you can use that extra money and pay off debt faster.
  • Let’s talk about car insurances... We had the same car insurance for the last 7 years (American Family Insurance) and the amount that we were paying was getting too high. •

    As I was looking for ways to save money and bring our expenses down, I thought about our car insurance and started looking around. •

    We were able to find an insurance that will save us $1,000 over a six month period (progressive).


    We were sold and changed our insurance within days. We were also able pay the full amount, instead of paying a monthly payment and were able to save an extra $100. •

    If you are at the beginning our your debt free journey, I would highly suggest going through your budget and find things you can save on, as cellphone bills, insurance, etc so you can use that extra money and pay off debt faster.
  • 25 3 7 hours ago

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  • It’s payday on Friday!! That means that I can see my pay voucher today, and I need to plan out my budget so that I know I’m going to be successful during the upcoming pay period. I know my rent says 1/2 but it isn’t actually 1/2, that’s just how I keep track of it. 🤷🏼‍♀️ I also have found that I am budgeting higher in some cash envelopes than I need too, but I have also found that it keeps me from feeling restricted and I actually spend LESS than when I am super restrictive in my cash envelopes. Happy Budgeting!!
  • It’s payday on Friday!! That means that I can see my pay voucher today, and I need to plan out my budget so that I know I’m going to be successful during the upcoming pay period. I know my rent says 1/2 but it isn’t actually 1/2, that’s just how I keep track of it. 🤷🏼‍♀️ I also have found that I am budgeting higher in some cash envelopes than I need too, but I have also found that it keeps me from feeling restricted and I actually spend LESS than when I am super restrictive in my cash envelopes. Happy Budgeting!!
  • 18 3 7 hours ago
  • I just got paid today and I only have $16 in my account 😱😱 Am I worried? NOPE! Here’s why - I just paid all my bills for the rest of March, pulled out my cash envelope money and made an extra payment on my credit card 🙌🏼 .
.
About 8 weeks ago I sat down and had a real talk with myself. This debt cycle was stressing me out. I have a good job yet I always feel broke, why?  Because I didn’t have a budget. I had no idea where my money was going. The first few weeks were an adjustment as I got used to using the cash envelope system but now I’ve honed in my budget and been able to pay large chunks of money onto my debt. Originally I had a goal of paying off my first credit card by July but now it looks like it might be May 🤩
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You guys if I can do this, anyone can! You just need a plan and a budget. Break the cycle of stress and debt!
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#daveramseybabysteps #cashenvelopes #cashenvelopesystem #daveramsey #babysteps #sinkingfunds #debtisdumb #teamtinyshovel #debtfreecommunity #debtfreejourney #debtfreecommunitycanada #dfc
  • I just got paid today and I only have $16 in my account 😱😱 Am I worried? NOPE! Here’s why - I just paid all my bills for the rest of March, pulled out my cash envelope money and made an extra payment on my credit card 🙌🏼 .
    .
    About 8 weeks ago I sat down and had a real talk with myself. This debt cycle was stressing me out. I have a good job yet I always feel broke, why? Because I didn’t have a budget. I had no idea where my money was going. The first few weeks were an adjustment as I got used to using the cash envelope system but now I’ve honed in my budget and been able to pay large chunks of money onto my debt. Originally I had a goal of paying off my first credit card by July but now it looks like it might be May 🤩
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    You guys if I can do this, anyone can! You just need a plan and a budget. Break the cycle of stress and debt!
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    #daveramseybabysteps #cashenvelopes #cashenvelopesystem #daveramsey #babysteps #sinkingfunds #debtisdumb #teamtinyshovel #debtfreecommunity #debtfreejourney #debtfreecommunitycanada #dfc
  • 23 0 8 hours ago
  • Topic: Paying it Forward on a Budget 🤝
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Paying it forward doesn’t have to physically cost money. I created this account to motivate others to pay their knowledge forward to help others. My knowledge and passions come in many forms like budgeting, teaching👩🏼‍🏫, and crafting 🎨to name a few. .
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You might be one person but look at how many people you can impact if we all pay it forward to 2-3 people a day! ❤️—> 💕💕💕
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Here are 8 ways to pay it forward on a budget! 1. Give up your spot in line or let someone go ahead of you. 2. Write a positive note to someone, online or in person. 3. Ask someone about their day. 4. Take part in a volunteer opportunity. 5. Make a budgeted dinner for a friend or watch a movie together. 6. Compliment someone. 7. Donate some lightly used items to your local church or shelter. 8. My personal favorite: Offer to take someone’s picture when you see them trying to take a selfie!
  • Topic: Paying it Forward on a Budget 🤝
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    .
    Paying it forward doesn’t have to physically cost money. I created this account to motivate others to pay their knowledge forward to help others. My knowledge and passions come in many forms like budgeting, teaching👩🏼‍🏫, and crafting 🎨to name a few. .
    .
    You might be one person but look at how many people you can impact if we all pay it forward to 2-3 people a day! ❤️—> 💕💕💕
    .
    .
    Here are 8 ways to pay it forward on a budget! 1. Give up your spot in line or let someone go ahead of you. 2. Write a positive note to someone, online or in person. 3. Ask someone about their day. 4. Take part in a volunteer opportunity. 5. Make a budgeted dinner for a friend or watch a movie together. 6. Compliment someone. 7. Donate some lightly used items to your local church or shelter. 8. My personal favorite: Offer to take someone’s picture when you see them trying to take a selfie!
  • 12 1 9 hours ago
  • How to live a life you love on a budget without the bleu’s! .
I started Portofinos&Palettes because of my love for beauty and fashion. That love is still there but with this I always felt the need to “keep up”. .
I couldn’t afford the latest and greatest and if I saved up there was a new latest and greatest by that time. It was a vicious cycle. .
I love being on social media and connecting with you guys! It’s a fave of mine. I always thought though what am I offering them and how am I helping them. .
I recently started my budgeting journey. Not “budgeting” as I’ve done in the past but an actual budget where I know where every cent is going!
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Over the years I have come up with some great tools, tips, and tricks and became passionate to share those along with my journey. .
I will be sharing lots of YouTube videos, Instagram posts, and an Etsy shop! .
There is such a negative connotation around budgeting. The feeling that you can’t live or do anything you want and that’s simply not true. My hope is to provide tips and tricks on how to live a life you love on a budget without the bleu’s 😄
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Would love for you to come say hello! I put the Budgeting Bleu’s Instagram page in the bio! .
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#budgeting #budgetingtips #sinkingfunds #budget #zerobasedbudget #paycheckbudgeting #debtfreecommunity #debtfreejourney #cashenvelopes #cashenvelopesystem #budgetingbleus
  • How to live a life you love on a budget without the bleu’s! .
    I started Portofinos&Palettes because of my love for beauty and fashion. That love is still there but with this I always felt the need to “keep up”. .
    I couldn’t afford the latest and greatest and if I saved up there was a new latest and greatest by that time. It was a vicious cycle. .
    I love being on social media and connecting with you guys! It’s a fave of mine. I always thought though what am I offering them and how am I helping them. .
    I recently started my budgeting journey. Not “budgeting” as I’ve done in the past but an actual budget where I know where every cent is going!
    .
    Over the years I have come up with some great tools, tips, and tricks and became passionate to share those along with my journey. .
    I will be sharing lots of YouTube videos, Instagram posts, and an Etsy shop! .
    There is such a negative connotation around budgeting. The feeling that you can’t live or do anything you want and that’s simply not true. My hope is to provide tips and tricks on how to live a life you love on a budget without the bleu’s 😄
    .
    Would love for you to come say hello! I put the Budgeting Bleu’s Instagram page in the bio! .
    .
    #budgeting #budgetingtips #sinkingfunds #budget #zerobasedbudget #paycheckbudgeting #debtfreecommunity #debtfreejourney #cashenvelopes #cashenvelopesystem #budgetingbleus
  • 12 0 9 hours ago
  • My petrol cost $62 ⛽️
I will roll over the $5 into my fuel cash envelope 📩 and I will put the coins in my money tin. 
I do this with all my four cash envelopes, roll over the notes and save the coins. 💰
It’s like extra sneaky savings for me and the money has  already been budgeted into my expenses. So it’s good to save a few dollars when I had expected to spend it 💰🙌🏻
#debtfreecommunity #cashenvelopes #savingmoney
  • My petrol cost $62 ⛽️
    I will roll over the $5 into my fuel cash envelope 📩 and I will put the coins in my money tin.
    I do this with all my four cash envelopes, roll over the notes and save the coins. 💰
    It’s like extra sneaky savings for me and the money has already been budgeted into my expenses. So it’s good to save a few dollars when I had expected to spend it 💰🙌🏻
    #debtfreecommunity #cashenvelopes #savingmoney
  • 55 0 12 hours ago
  • I struggle with this particularly on this debt free journey. But then I look at how far I've come and BOOM it gets that little bit easier. 
Just under €2500 paid since January. I'm going to be more aggressive with it because I want this debt gone.

HAVE A LOOK IN MY STORIES AND PLEASE ANSWER THE POLL ❤
  • I struggle with this particularly on this debt free journey. But then I look at how far I've come and BOOM it gets that little bit easier.
    Just under €2500 paid since January. I'm going to be more aggressive with it because I want this debt gone.

    HAVE A LOOK IN MY STORIES AND PLEASE ANSWER THE POLL ❤
  • 40 1 15 hours ago
  • I came back from my holidays on Monday morning. I flew overnight but couldn’t sleep well, so I was very tired when arrived. Children were at school so I could organise my luggage and their presents, and slept the whole day.

Yesterday, I spend the day washing my clothes and cleaning part of the house, so I could feel back to normal.

Today, it has been all about budgeting, tracking of my expenses while overseas, paying bills and stuffing cash envelopes.

Tomorrow is back to work. I’m not too excited about that, but will only be a couple of days before the weekend!

I’m having holiday blues! Is that a thing?
  • I came back from my holidays on Monday morning. I flew overnight but couldn’t sleep well, so I was very tired when arrived. Children were at school so I could organise my luggage and their presents, and slept the whole day.

    Yesterday, I spend the day washing my clothes and cleaning part of the house, so I could feel back to normal.

    Today, it has been all about budgeting, tracking of my expenses while overseas, paying bills and stuffing cash envelopes.

    Tomorrow is back to work. I’m not too excited about that, but will only be a couple of days before the weekend!

    I’m having holiday blues! Is that a thing?
  • 9 1 18 hours ago
  • Well, there was a little financial stumble this payperiod, but I’m not going to be letting it get me down! This is a long term project! So the positives from today? Three out of thirteen days in a row done at work! I’m home resting a lot. No real cooking tonight. And I’m rearranging stuff in the apartment so I can set up an art desk! I’m looking forward to building a nice place for myself to work! But tonight it’s just the start. Anyhoo, my ef cash is still safe and I look forward to building it up! Cheers!
#daveramsey #debtfreecommunity #debtfreejourney #financialstumble #oldhabits #cashenvelopes #rest #overtime #financialpeace
  • Well, there was a little financial stumble this payperiod, but I’m not going to be letting it get me down! This is a long term project! So the positives from today? Three out of thirteen days in a row done at work! I’m home resting a lot. No real cooking tonight. And I’m rearranging stuff in the apartment so I can set up an art desk! I’m looking forward to building a nice place for myself to work! But tonight it’s just the start. Anyhoo, my ef cash is still safe and I look forward to building it up! Cheers!
    #daveramsey #debtfreecommunity #debtfreejourney #financialstumble #oldhabits #cashenvelopes #rest #overtime #financialpeace
  • 14 0 21 hours ago
  • Y’all, we have finally launched our Budget Binder 🎉🎉 To celebrate the launch, we are doing a BIG giveaway to 2 of you!

The giveaway includes:
⭐️Saving Cents Budget Binder
⭐️$100 Cash Money (via Venmo, PayPal, or Amazon giftcard)
⭐️Cash envelopes (designs will vary)
⭐️Pens and highlighters to use with your budget (the pens are my FAVORITE!)
⭐️Pencil Pouch

To enter:
1. Like this post
2. Follow these 2 accounts @yunhwa_savingcents and @hwayun_savingcents
3. Tag 2 friends who love to save money in the comments!
4. Share this giveaway in your stories for an extra entry

Giveaway ends 4/3/19 at 11:59pm EST. We will announce the winners on 4/7/19.

This giveaway is open to U.S. residents only due to shipping. Per Instagram rules, this promotion is in no way sponsored, administered, or associated with Instagram or Facebook.
  • Y’all, we have finally launched our Budget Binder 🎉🎉 To celebrate the launch, we are doing a BIG giveaway to 2 of you!

    The giveaway includes:
    ⭐️Saving Cents Budget Binder
    ⭐️$100 Cash Money (via Venmo, PayPal, or Amazon giftcard)
    ⭐️Cash envelopes (designs will vary)
    ⭐️Pens and highlighters to use with your budget (the pens are my FAVORITE!)
    ⭐️Pencil Pouch

    To enter:
    1. Like this post
    2. Follow these 2 accounts @yunhwa_savingcents and @hwayun_savingcents
    3. Tag 2 friends who love to save money in the comments!
    4. Share this giveaway in your stories for an extra entry

    Giveaway ends 4/3/19 at 11:59pm EST. We will announce the winners on 4/7/19.

    This giveaway is open to U.S. residents only due to shipping. Per Instagram rules, this promotion is in no way sponsored, administered, or associated with Instagram or Facebook.
  • 56 15 21 hours ago
  • Our bank accounts are a lot lower.. but our bills are paid well before the due date and our debt is reducing.
Our weekends are a lot quieter.. but we spend family time together and are prepared for the week ahead.
Our restaurant visits are less frequent.. but our tummy’s are full and we’re enjoying more potluck dinners with friends.
Our coffee shop stops have reduced.. but Mr8 is loving making us coffee at home.
Our shopping trips are not as frequent.. but now we’ve learnt to only purchase mindfully.
Our family outing spending has reduced.. but our boys don’t need much to have fun.
💕
  • Our bank accounts are a lot lower.. but our bills are paid well before the due date and our debt is reducing.
    Our weekends are a lot quieter.. but we spend family time together and are prepared for the week ahead.
    Our restaurant visits are less frequent.. but our tummy’s are full and we’re enjoying more potluck dinners with friends.
    Our coffee shop stops have reduced.. but Mr8 is loving making us coffee at home.
    Our shopping trips are not as frequent.. but now we’ve learnt to only purchase mindfully.
    Our family outing spending has reduced.. but our boys don’t need much to have fun.
    💕
  • 238 31 23 hours ago
  • Cash envelope stuffing time. This was supposed to be done this past Friday however with my busy schedule and traveling I was unable to get to the bank. These are the categories I chose that works for me. You can choose those that will work for you. I don’t take all cash envelopes with me every day I take the ones that I will most likely need. No debit or credit card swiping and no robbing Peter to pay Paul LOL don’t borrow from one envelope to cover another. When I went to the bank I handed the teller the cash denominations on mini spreadsheet I created to reflect the bills i needed which makes it much easier. 
#financialhealth #lifechanger #cashenvelopes #budgeting
  • Cash envelope stuffing time. This was supposed to be done this past Friday however with my busy schedule and traveling I was unable to get to the bank. These are the categories I chose that works for me. You can choose those that will work for you. I don’t take all cash envelopes with me every day I take the ones that I will most likely need. No debit or credit card swiping and no robbing Peter to pay Paul LOL don’t borrow from one envelope to cover another. When I went to the bank I handed the teller the cash denominations on mini spreadsheet I created to reflect the bills i needed which makes it much easier.
    #financialhealth #lifechanger #cashenvelopes #budgeting
  • 12 0 19 March, 2019