WE DID IT! In 2016 we took the @daveramsey Financial Peace University course at our Church for part of our premarital counseling. After seeing the amount of student loans we had to pay off, it seemed nearly impossible...BUT this program is written out so perfectly that it worked!
We tracked our monthly expenses and monthly payoff goals. Any extra funds that we did not allocate to a particular expense went directly to the loans- boy that was tough (but so worth it)!! God is SO good and gave us extra patience and grace during this season- to Him be the glory!! This is achievable for ANYONE!! All it requires is persistence and sticking to your plan!! If you’re feeling stuck like we were, I am happy to share more of our journey and the experience we had with Financial Peace University! #debtfreejourney#financialpeace#moneymakeover#daveramsey#chrishogan#studentloans#intentionalliving#godisgood#goals#freedom
1,0256817 March, 2019
🗣Say it louder for the people in the back!!! This is for everyone working hard to better themselves and/or their family. Keep up the good work!
📸 credit: My husband
We all see the progress of others and we want what they have. Meanwhile, that person sees another person and wants what that person has. And so on. The best measurement for you success is based on how far YOU have come. If you asked me a year ago if I could see myself with $1000.00 saved and untouched and a budget...my response would have been very dubious. I had absolutely no clue how to manage $$. I still have a lot to learn but now I have a focus and a direction. I am doing well and I am making it happen! Proud of my progress. I follow the Dave Ramsey plan and it has helped me because prior to Dave Ramsey’s baby steps, I was just winging it! I wouldn’t say that I am a purist and I certainly don’t judge others for doing things their way. Personal finance is personal. I do applaud any and every one who works hard to be in a better financial climate. Last year I hit my breaking point. This year, I am breaking through and I am so proud of my progress. #babysteps#daveramseybabysteps#daveramsey#debtfreecommunity#singledebtfreejourney#singledebtfreecommunity#progressnotperfection#selflove#keepgoing#lookhowfaryouvecome
Our humans did a thing today and they screamed really loud and told us they could finally add treats back into the budget 💸💸💸💸💸💸💸💸💸 #abouttime
3,4742155 March, 2019
Today’s the day! 🎉
Proverbs 22:7 “The rich rule over the poor, and the borrower is slave to the lender.” After going through Dave Ramsey’s Financial Peace cds before we were married, Brett and I decided that one of our first goals as a married couple would be to pay off all of our combined remaining student loans, totaling $22k, by our first wedding anniversary. Today, one week before our anniversary, we are celebrating the completion of our goal- making us 100% debt free! We’re committed to living simply to change our future for the better, or as Dave puts it- to “Live like no one else, so later you can live, and give, like no one else.” We are no longer slaves to the lender, and we are loving the freedom!
To celebrate, we are eating cake (duh), and giving away three copies of The Total Money Makeover, which has the plan that we followed to become debt free so quickly. If you’re interested, we’ll send a copy out to the first three people who comment “💲☑️” below. (Update: the first three winners have already responded, but I definitely recommend anyone who’s interested check out this book!) #debtfreecommunity#daveramsey#babystep2#debtfreescream
7924917 March, 2019
OUR FAMILY IS DEBT FREEE!... 🎊🎉💞🤗 🤩
I can’t tell you how good it feels to make this post. This is our 2nd round on this Debt Free Journey and decidedly our last. We started this journey right after our first was born and I knew that I would not be heading backing to work. I read the Total Money Makeover and decided it was important for us to make sacrifices so that our children could have the kind of head start on life we didn’t.
Immediately after our first 58k was paid off we unfortunately jumped into new car debt. Again we started to plug away at debt, sometimes slowing down and sometimes stopping but once we got serious again we knew we could tackle the rest. We always kept God and his promises at the forefront of our process and we never stopped tithing. There is not a more humbling, self aware journey to take than that of becoming Debt Free. I am soo glad we did it!
Our board says 100k but upon further inspection I found that it was 105K in debt but who’s counting lol. Our next step …EVERY DAY MILLIONAIRES! @DaveRamsey@ChrisHogan@RachelCruze
This isn’t exactly apart of the #debtfreejourney but I wanted to show you all anyway. -
I’ve been really struggling the last few weeks, especially since I’ve taken on overtime which means I’m working more than full time hours. I feel like the 10 year old and I are constantly arguing. -
I’ve been really anxious and I think part of that has stemmed from us not getting along. I decided on Monday night to start this ‘talk journal’. -
He writes a comment about his day before bed, how he felt or something we haven’t had chance to talk about. Then I write a message back and leave little fun things for him to do for the next night. -
We’re 3 days into it and already I feel like we’re starting to reconnect. We’re talking more and I don’t feel like everything I say is me moaning 😂.
0149 seconds ago
Although I was able to get a lot of work done today and even received wonderful compliments about my interpretation at a meeting, internally my emotions were going haywire. I had no shame in admitting to my supervisor and her secretary that I felt ready to cry at any given moment throughout the day. My supervisor’s response? It’s therapeutic to let it out. I couldn’t exactly pinpoint what the issue was, but after careful revision, I believe I fell into a pattern of thoughts with rejection somehow. I applied to a job I was positively sure I’d get a call back from and I never heard from them. I spent four years in an on and off, toxic relationship before walking away. I didn’t receive an invite to a retreat held by our department director. TMI, but it’s getting close to that time of the month. 🤦🏽♀️ I watch a lot of motivational videos on YouTube, so I immediately went on the app and scrolled until I found something that I felt compelled to watch. A few minutes in and this quote stuck out. Cue the waterworks. 💦 I am being protected while being directed into phenomenal things that I can’t even fathom. Yes, I believe it whole heartedly despite how I feel at the moment. Having emotions is awesome, I would never want to suppress them or become heartless; this is what makes me human. Whenever I feel like this, I just need to remind myself that God is constantly at work making sure that I’m receiving the best and nothing less. I don’t know what’s best for me even when I think I do, but He always knows without a doubt. Keep the faith, God sees the bigger picture. Happy hump day, guys!
Show up and WIN! ⠀
Building an empire begins with a single step...and continue taking those steps every day to get you closer to your goals.⠀
Surround yourself with like-minded people for a support system.
What a long Wednesday 😴
Another day to go before I travel up and work this weekend for a side hustle .. I’m predicting my savings total for March is going to be GOOD 👏🏻🙌🏻 If you ever need motivation have a look on @rightmoveuk to keep you going - I can’t wait to have my own little home 🏠
I’ve also got some items to post tomorrow which I sold on eBay .. worst thing about it is the trip to the post office 😂 alll for the ££££££ though 💰💰
37132 minutes ago
This right here 🙌😍🎄•
$118 per month going into our Christmas Fund, for a total of $1300 by Dec 1.•
Last year (for 2018 Christmas) I decided that I didn’t want to do any sinking funds. Rather, we would just cash-flow Christmas during the months of Oct and Nov. Okay so that did not go well. •
Trying to decorate, plan and purchase gifts, make it to holiday events, and enjoy the real reason for the season 🌟 all while working my TAIL off and picking up as many extra weekend shifts as possible so that our snowball didn’t suffer, was a tad stressful to say the least.•
Believe me, I will still be working my tail off and picking up extra shifts to pay off this debt, but it is already a relief knowing that Christmas will be funded. 🎄•
After Christmas 2018, we sat down and did a Christmas budget for 2019. We came up with $1300. That $1300 includes gifts for our 3 kids, parents/in-laws, a few other family members, gift exchanges, teachers gifts, and little Christmas events we do like breakfast with Santa, cookie/ornament exchanges, holiday programs, etc. •
I still don’t like taking out money from our monthly snowball for sinking funds... but I can’t help but think about our old spending habits. Not being prepared for Christmas. Using credit cards for gifts and paying interest on that amount all year or even longer. •
This new way of thinking about spending money and living takes work but its so worth it and change is possible!•
I’ve gone public, so here we go - this is me (in a pretty dress)! I have my own personal blog and today I posted about debt, questioning why it’s such a taboo subject! I’ve kept this account anonymous since I started in November because I was ashamed of my situation but I really shouldn’t be! .
If you want to read the blog post, the link is in my bio. If you want to follow my day to day life and sights, head over and follow @charlotte_tys!
13139 minutes ago
We are one step closer to having the bathroom done. Our bathroom has been torn apart since the first week of March. This vanity is the last big piece of the puzzle lol.
There are a ton more things we need to do before we can put our house on the market but having this bathroom nearly complete feels good.
Next up is the sub floor and siding issue we discovered. If it’s more than $1200 we will use our homeowners to cover the damages. If less we will pay out of pocket. This whole process is so draining but will hopefully pay off in equity at closing. #studentloanssuck
How did my journey begin? I was 23, had just met my husband and wanted to move out of home because my relationship with my dad had descended into chaos. It was my husband (he was my boyfriend back then) who listened to me and encouraged me to move out.
But to move I had to get rid of some of my mountains of stuff. There’s no way I could’ve physically moved it all. I still had a full wardrobe of clothes from when I was in primary school!
I started slowly but then the urge to minimise overtook me and I found myself getting rid of almost everything. I sold and donated as much as I could, but some stuff (like 10 year old underwear! 😳) just had to be chucked. I filled bins and bins of recycling of random papers and junk I’d held on to... I donated so many brand new items of clothing I wish I’d never bought. It felt amazing.
When I moved, everything fit in the back of my Yaris... except my books. It took me a few more years to work up to getting rid of them but they didn’t deserve to be shoved away in storage so I regret not getting rid of them then.
There you go! That’s my story! What’s yours?
471554 minutes ago
New Weekly Meal Planning Sheet!!!
Helping me to stay on budget and reduce waste!
Need some good ideas for new meals to add to my rotation. Let me know some of your favorite below!📢👍🏻
5154 minutes ago
21155 minutes ago
I think this is one of my favourite outfits to date! We’ve got a casual day in the office for harmony day and I’m rushing in so I don’t miss out on a park again. Going to dinner tonight with my in laws so that will be good 💁🏼♀️
5421 hour ago
Side hustle money! So happy I got side hustle cash this month because we have some unexpected "pop ups" I like to call them, come up.
I would love to put this all to debt, but with a couple birthday parties, 3 unexpected trips this April, and cash needed to restock my craft supplies, this money will definitely come in handy and I won't have to think about where our money will come from to pay them off 💪 #wednesdaymotivation#wednesday
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.
It has been a little over a year since I began this journey. At the start I was in debt by $21,200. Exactly one year later, I had repayed that debt and saved $5000. I managed to save 53% of my net income in that year. Was it hard? You bet! Was it worth it? YES!
Being the first day of Spring has me excited for the changes that are to come.
When New Year's Day comes along I never have resolutions. Sometimes I'll set goals for the year and stick to that. But I always have resolutions for the first day of Spring. This year I am going to clean a lot more than just the house. I have plans to clean my body, soul, mind, house, car, debt, business, social media, friends and even family.
It's time to keep only people and things that bring joy into my life. No more negative Nancys! (No offense if your name is Nancy) I need positive vibes from every aspect of my life and this is the day to start.
I'm so stinking excited to lead a Financial Peace University class at my church starting tonight!
I've lead classes in the past, but not since we relocated to Charlotte or at our new church @newcity.us. I love helping others apply the financial principles Dave Ramsey teaches and find financial peace!
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? 🤷🏻♀️
311 hour ago
I post quite often about field agent, my side hustle. Every time I post about it, I get a lot of questions. Some from people who have no idea what it is and some from people who do field agent and want tips. Since I get so many questions, I thought I would do some stories explaining what field agent is and some tips for getting the most from it. So if you have any questions about field agent that you want answered, leave them in the comments. It’ll probably be a couple days before I talk about it in my stories, it’s been a crazy busy week, but keep a lookout for them. I’ll also try to save them in my highlights. #debtfreecommunity#debtfreejourney#frugalmom#debtisdumb#financialfreedom#debtfreegoals#daveramseybabysteps#daveramsey#frugalliving
I’m amazed on this journey. Everything seems to come along just as I need it!
As some of you know our monthly budget is so tight while we are gazelle on our mortgage.(see budget link above). We have no sinking funds for anything but school (I don’t recommend this usually but we have only 19 months to go so it’s a very short period). Our son came home from school last week with two party invites. I have zero funds for that until I list more stuff for sale. BUT I received a survey from Pureprofile which was for $40 for just 8 short discussions. Perfect!.
They offered the same e-gift cards so I took this amount (which was in addition to the $70 I had a couple of weeks ago) and got petrol vouchers, took the $40 cash from petrol funds this fortnight and BAM! 2x $20 crisp notes for the parties.
The timing couldn’t have been more perfect.
I’m so grateful and even more so that I didn’t have to detract from our extra mortgage payments to cover this 🙌🏻 #debtfreejourney#frugalliving
If you’re finding that your savings isn’t blooming as much as you would like due to little transfers from savings to checking adding up, try moving your savings account to a completely different bank or credit union. The extra step of having to transfer money from institutions may make you think twice about that purchase. Keep your $avings $miling. :-$
Introductions - that's me on graduation day in 2014 and that's my mama next to me. In my life, my mom was the epitome of an example of frugality and fun going hand in hand. She dropped out of college and moved out after 1 semester, she left home with $3k in her pocket and had me when she was 21 years old. She built her life from the bottom up and never took handouts or charity. She's been a hard-working, ass-kicking mom to me my whole life. We existed on chicken, rice, and canned veggies my whole childhood. We rarely went out and we didn't have cable but we had free fun and books galore. She taught me everything I know and her voice is in my head whenever I'm out shopping for groceries or other stuff. "Do you reeeeally need that?" Is what she says and usually I end up putting the thing back, whatever it is. So, thanks Mom! You've probably saved me thousands of dollars 🥰
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?
My husband is reading “Everyday Millionaire” and he wanted me to use this quote in my artwork!
Our financial has been hard, we made some big mistakes, we worked hard... now we have zero debt and are working hard for our future financial health!
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?
1,075512 hours ago
Have Your Money Make Money. Invest in Yourself. Invest In The Stock Market. Invest In A Business. Invest With Intention.
Today, I forgot to pack my lunch for work. I also forgot to prep tonight’s dinner and turn on the slow cooker. 🤦🏻♀️
During my lunch break I drove home (I work ten minutes away) but I only have a 45 minute lunch so can you imagine doing everything in under 25 minutes? I needed to be back just in time to pick up my kids from recess.
As I was getting everything ready, I realized that I’ve learned to embrace this journey. I’ve learned to embrace the hard. There’s nothing easy about paying off debt and it took me awhile to embrace it. I think I’m finally there. 💫
Every decision we make affects our goals and right now we have a goal of paying off Rick’s Student Loan in April. Eating out is out of the question 🙅🏻♀️and fun money is out of the question and it’s hard!
So many times we want results without putting in the work. We don’t want to feel pain and we want to reach that goal with the least amount of discomfort.
So today I ran home and did the work it took to get us closer to our goal. Just do the work and be grateful for the journey. No whining allow (well maybe just a little 😂) Remember why you started!
Lunch adds up quick! A combo meal or a salad and beverage from just about anywhere will usually cost 8 to $15.
You'll spend a quick $100 a week in no time.
My husband, @scifidan, created a little game out of his lunch hour so that he was still able to go out to lunch without spending a fortune or breaking our budget. 💡
He put every app for all the fast food locations near his work on his phone. 📲
He would challenge himself to see if they had special in-app offers or 2-for-1 deals that he could use, because he never wanted to go over $3. 🤔🤗
It kept his lunch hour a surprise each workday instead of the same ol' same ol' ... aannndd he never went hungry. 🍴 😉
He recently said that a lot of the companies have stopped their in-app offers, so now he has challenged himself to a limit of $4 without their help.
Yes, another game, but it works! 🎯🙌🏼
Do you want to know another way to stay under the $4? Take your lunch! #leftoversrock
So tell me, what do you do for your lunch? Do you take it from home or go out with your coworkers? Can you get creative and figure out a way to spend less each day?
If you need any budgeting help or creative ideas on how to save money, feel free to reach out. I am more than happy to help!
👊🏼 #thebudgetingrealtor 💰🙋🏻♀️ #yourfavoriterealtor 😇🙋🏻♀️ #debtfreelifestyle#debtfreecommunity#savemoney#debtfreeliving#budgetingrocks#makeitagame
15116 hours ago
I have been in my new role at work for about 2 months now, and it still feels really new as I am SO far out my comfort zone, and keep getting pushed. Other people are offering me opportunities to stretch myself and I am taking them up on it. A few of these opportunities have included speaking/presenting at work events with large audiences of up to 100 people. I find this terrifying, but after I have done it, I find it quite rewarding, like I have accomplished something massive. I'm getting to speak on topics I'm really passionate about, so I'm viewing it as a chance to 'market' myself to a wide network within the organisation as someone really knowledgable about the topics. I'm hoping this helps develop my personal brand, as well as my experience, confidence & overall personal growth, so I can eventually work within that particular field and continue to develop my career so I can do something that I love and that also earns me great $$$. 😁
46119 March, 2019
Whilst my savings has only increased by 2% this month, i used $800 towards my annual health insurance premium. I suspect the next 2 pays will be similar: minimal savings dues to health insurance payment.
To be transparent with ya all, I did put my health insurance premium on my one and only credit card. I don’t carry a balance on my credit card, so I made the decision to use it to allow me to make this payment, it wasn’t something I had planned on doing (until I read on Instagram, the savings one could get) and obviously this time next year, I will plan to legitimately cash flow this expense.
When I first became debt free, I was against using my credit card (unless it was a must ie car hire) but I recently listened to a pod cast that explained the emotion with money is the emotion we give it. I shouldn’t feel guilty or bad about using my credit card, because now that I am debt free and follow a budget and save over 40% of my annual income, I know that I can pay this bill by the end of the month and carry a zero balance over into the next month.
I have decided to pay my private health insurance premium upfront. My premium was due to increase on the 1st of April. By paying up front I have locked in my current premium for the next year (a savings of over $100). The decision to pay this cost upfront made sense and as a result will set me back a month in completing baby step # 3, but in a years time I will be in the same financial position I would have been except I’ll have an extra $100 invested somewhere.