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daveramsey - 423.6k posts

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  • Could Greenbean🐶 look any more excited??! 🤣😂 Well, we are THRILLED!! We started the baby steps 5.5 years ago in August 2014 after I googled "how to get out of debt fast". The first video to pop up was one with this very energetic man getting a crowd totally pumped about gazelles and baby steps. That was my first introduction to Dave Ramsey and from that point forward I knew this would be our way out. 
_______
Ryan finally got on board about a year after I watched that little video. We were on a road trip to see his parents and I just so happened😉😉 to have The Total Money Makeover by @daveramsey borrowed from the library and read it to him while he drove. We took FPU at a local church a few weeks after and have been a solid team ever since. We literally could NOT have done this journey with out being on the same page. 
_______
We are so thankful for the education we gained from Dave and his team and that has opened opportunities be leaders for FPU in our community and encourage others in their own journeys. If you are ready to get serious about paying off debt and having a personal finance makeover we would highly recommend finding a class in your local community! Start today! You wont be sorry🤗
_________
By this time next week we will be Debt FREEEEEE!!!!!!! ________
Also, taking a picture with a dog and a toddler is almost harder then paying off over $400,000 of debt 😂😂😂
________
#debtfreecommunity #debtfreejourney #sixfiguredebt #studentloans #goals #money #onedollaratatime #personalfinance #focus #discipline #cash #debt #daveramsey #babystep2 @daveramsey @rachelcruze @chrishogan360
#financialpeaceuniversity
  • Could Greenbean🐶 look any more excited??! 🤣😂 Well, we are THRILLED!! We started the baby steps 5.5 years ago in August 2014 after I googled "how to get out of debt fast". The first video to pop up was one with this very energetic man getting a crowd totally pumped about gazelles and baby steps. That was my first introduction to Dave Ramsey and from that point forward I knew this would be our way out. 
    _______
    Ryan finally got on board about a year after I watched that little video. We were on a road trip to see his parents and I just so happened😉😉 to have The Total Money Makeover by @daveramsey borrowed from the library and read it to him while he drove. We took FPU at a local church a few weeks after and have been a solid team ever since. We literally could NOT have done this journey with out being on the same page. 
    _______
    We are so thankful for the education we gained from Dave and his team and that has opened opportunities be leaders for FPU in our community and encourage others in their own journeys. If you are ready to get serious about paying off debt and having a personal finance makeover we would highly recommend finding a class in your local community! Start today! You wont be sorry🤗
    _________
    By this time next week we will be Debt FREEEEEE!!!!!!! ________
    Also, taking a picture with a dog and a toddler is almost harder then paying off over $400,000 of debt 😂😂😂
    ________
    #debtfreecommunity #debtfreejourney #sixfiguredebt #studentloans #goals #money #onedollaratatime #personalfinance #focus #discipline #cash #debt #daveramsey #babystep2 @daveramsey @rachelcruze @chrishogan360
    #financialpeaceuniversity
  • 2,225 135 18 February, 2020
  • We’ve been living that #budgetlife for over 4 years now, and this trusty cash #envelopesystem has never let us down! It’s one of those things that was a huge pain to figure out in the beginning of our journey, but now I would say that it is the number one factor in SIMPLIFYING our budgeting. I made a video years ago talking about our system, and it hasn’t changed! (Just search on YouTube “debtkickinmom cash envelopes” and you will find it 😉)
—
Tracking your spending is absolutely CRUCIAL if you want to stick to a budget, but for my husband and I, reconciling debit swipes was a huge pain in the arse 🤪 I know not everyone is comfortable with cash, and that is ok (I wasn’t at first either) but I also wasn’t comfortable with never being able to get our budget figured out. This was the first MAJOR change we made to get MAJOR results that helped us budget successfully. It was a game changer.
—
Watch my YouTube videos to get all the details, but in a nutshell, here is how the system works:
👉🏻 We take out cash once a month and stuff our cash “envelopes” which really doesn’t use envelopes at all, but rather this coupon organizer accordion thingy 😬 It gets put in a secure location in our home, so no, we are not a carrying loads of cash around with us at all times.
👉🏻 We take our personal cash and then grab what we need from the cash envelopes as we need it. It’s like we are our own ATM machine! I use #cashclips to keep things organized I my wallet to know which category I’m spending from when I’m out running errands.
👉🏻 This means there is only one major withdrawal to our bank account each month, and no debit swipes to reconcile. For us, that creates #simplicity in our budget.
—
A lot of people might wonder how we handle online purchases and bills...I answer all that in a video on YouTube also 😄 Also...our “cats” category needs to be changed to “pets” since we’ve gotten our sweet Trigger!!! 🐱🐱🐶
—
What has been a major game changer for you in your budgeting???? Tell me down below 👇🏻
—
#debtfreecommunity #daveramsey #debtfreejourney
  • We’ve been living that #budgetlife for over 4 years now, and this trusty cash #envelopesystem has never let us down! It’s one of those things that was a huge pain to figure out in the beginning of our journey, but now I would say that it is the number one factor in SIMPLIFYING our budgeting. I made a video years ago talking about our system, and it hasn’t changed! (Just search on YouTube “debtkickinmom cash envelopes” and you will find it 😉)

    Tracking your spending is absolutely CRUCIAL if you want to stick to a budget, but for my husband and I, reconciling debit swipes was a huge pain in the arse 🤪 I know not everyone is comfortable with cash, and that is ok (I wasn’t at first either) but I also wasn’t comfortable with never being able to get our budget figured out. This was the first MAJOR change we made to get MAJOR results that helped us budget successfully. It was a game changer.

    Watch my YouTube videos to get all the details, but in a nutshell, here is how the system works:
    👉🏻 We take out cash once a month and stuff our cash “envelopes” which really doesn’t use envelopes at all, but rather this coupon organizer accordion thingy 😬 It gets put in a secure location in our home, so no, we are not a carrying loads of cash around with us at all times.
    👉🏻 We take our personal cash and then grab what we need from the cash envelopes as we need it. It’s like we are our own ATM machine! I use #cashclips to keep things organized I my wallet to know which category I’m spending from when I’m out running errands.
    👉🏻 This means there is only one major withdrawal to our bank account each month, and no debit swipes to reconcile. For us, that creates #simplicity in our budget.

    A lot of people might wonder how we handle online purchases and bills...I answer all that in a video on YouTube also 😄 Also...our “cats” category needs to be changed to “pets” since we’ve gotten our sweet Trigger!!! 🐱🐱🐶

    What has been a major game changer for you in your budgeting???? Tell me down below 👇🏻

    #debtfreecommunity #daveramsey #debtfreejourney
  • 2,474 108 15 February, 2020
  • My favorite, free way to spend a Friday night 😌💓
  • My favorite, free way to spend a Friday night 😌💓
  • 2,322 42 22 February, 2020

Latest Instagram Posts

  • You guys. My heart. It’s super tough to leave them every night. But I do it because I want a better life for them. It’s been a struggle. But I know they love me. I know they miss me. And I know they understand I’m doing this for them.⁣
⁣
“Ma- love you. I had the best day ever. But the bad thing was I missed your face, pussycat” ⁣
⁣
“Pussycat I always miss your Face. Forgive me for having a job where I’m never around, ma”
  • You guys. My heart. It’s super tough to leave them every night. But I do it because I want a better life for them. It’s been a struggle. But I know they love me. I know they miss me. And I know they understand I’m doing this for them.⁣

    “Ma- love you. I had the best day ever. But the bad thing was I missed your face, pussycat” ⁣

    “Pussycat I always miss your Face. Forgive me for having a job where I’m never around, ma”
  • 0 1 8 minutes ago
  • “Debt is normal; Be Weird.” ~ Dave Ramsey
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Well, folks... We are officially “Dave Ramseying” our lives! We’ve been in Financial Peace University for 3 weeks now and it is... {a m a z i n g}... and intense!
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I never realized how truly “normal” it has become live in a consistent state of debt!! 🤯 As Americans, we’ve essentially been taught that if you can’t afford something, you don’t wait and save up... you just pay with DEBT. Or take a loan. Or open a new credit card.
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But we are DONE being tricked by the “normal”... We’re ready to be “weird”!!
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For those of you who have knowledge of Dave Ramsey’s “baby steps”, we just completed Baby Step 1 ($1K emergency fund in savings account) in large part because of my Monat bonus check this month!!! Not only that, but we also were able to use the remainder to finish paying off one of my college loans!!!
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I love taking back control of my finances, and I love that my side hustle with Monat allows me the freedom to achieve my goals MUCH faster than would be possible otherwise!! 🙌🏼💙
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#livingmonattomoment #daveramseybabysteps #daveramsey #daveramseying #donewithnormal #bringontheweird
  • “Debt is normal; Be Weird.” ~ Dave Ramsey
    .
    Well, folks... We are officially “Dave Ramseying” our lives! We’ve been in Financial Peace University for 3 weeks now and it is... {a m a z i n g}... and intense!
    .
    I never realized how truly “normal” it has become live in a consistent state of debt!! 🤯 As Americans, we’ve essentially been taught that if you can’t afford something, you don’t wait and save up... you just pay with DEBT. Or take a loan. Or open a new credit card.
    .
    But we are DONE being tricked by the “normal”... We’re ready to be “weird”!!
    .
    For those of you who have knowledge of Dave Ramsey’s “baby steps”, we just completed Baby Step 1 ($1K emergency fund in savings account) in large part because of my Monat bonus check this month!!! Not only that, but we also were able to use the remainder to finish paying off one of my college loans!!!
    .
    I love taking back control of my finances, and I love that my side hustle with Monat allows me the freedom to achieve my goals MUCH faster than would be possible otherwise!! 🙌🏼💙
    .
    #livingmonattomoment #daveramseybabysteps #daveramsey #daveramseying #donewithnormal #bringontheweird
  • 0 0 12 minutes ago
  • Funny story for our #dfc friends! Took two of my boys to the #library today and they went in without me to pick up their books. Jackson (11), told me that they had a $2 late fee on their card. That was when I noticed the Pringles from the vending machine! I started laughing and asked if they got the snacks before or after finding out they were in #debt. After. They found out after the snacks had been purchased. We had a good laugh about it and made a note to bring cash to pay the fee next time we were out. Changing that family tree 🤣🤣
  • Funny story for our #dfc friends! Took two of my boys to the #library today and they went in without me to pick up their books. Jackson (11), told me that they had a $2 late fee on their card. That was when I noticed the Pringles from the vending machine! I started laughing and asked if they got the snacks before or after finding out they were in #debt . After. They found out after the snacks had been purchased. We had a good laugh about it and made a note to bring cash to pay the fee next time we were out. Changing that family tree 🤣🤣
  • 0 1 26 minutes ago
  • It’s my pay week only this week, we have our quarterly council rates due this week, our yearly pura tap change over, a monthly car insurance debit, along with hubbies phone and internet monthly bill.
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It leaves me with just $128 to put on to our mortgage this week.
.
I’ve included our worksheet once again.
.
#debtfreejourney #babystep6
  • It’s my pay week only this week, we have our quarterly council rates due this week, our yearly pura tap change over, a monthly car insurance debit, along with hubbies phone and internet monthly bill.
    .
    It leaves me with just $128 to put on to our mortgage this week.
    .
    I’ve included our worksheet once again.
    .
    #debtfreejourney #babystep6
  • 7 1 40 minutes ago
  • Hi and welcome to Lots to Little! I am a hard working mama (RN) of one (18 months old)who wants to encourage others to lose weight and debt! I was in the best shape of my life pre baby and would love to get back there. I am also on the debt free journey with my husband as we work through Dave Ramsey’s baby steps.  We want to leave good habits and a legacy for our son. I find encouragement in others. This page is about being that encouragement, cultivating it and building community. We hope to share our weekly strides and words of encouragement along the way.  We want to have daily inspirations and weekly updates for you!! Thanks for joining our journey. Please tag other debt free community pages and weight loss pages that you find inspiring 👍🏻#dfc #dfcgetsfit #debtfree #weightloss #inspiration #goals #crushyourgoals #financialpeace #daveramsey #daveramseybabysteps #babysteps #encouragement #last90days
  • Hi and welcome to Lots to Little! I am a hard working mama (RN) of one (18 months old)who wants to encourage others to lose weight and debt! I was in the best shape of my life pre baby and would love to get back there. I am also on the debt free journey with my husband as we work through Dave Ramsey’s baby steps. We want to leave good habits and a legacy for our son. I find encouragement in others. This page is about being that encouragement, cultivating it and building community. We hope to share our weekly strides and words of encouragement along the way. We want to have daily inspirations and weekly updates for you!! Thanks for joining our journey. Please tag other debt free community pages and weight loss pages that you find inspiring 👍🏻 #dfc #dfcgetsfit #debtfree #weightloss #inspiration #goals #crushyourgoals #financialpeace #daveramsey #daveramseybabysteps #babysteps #encouragement #last90days
  • 1 0 53 minutes ago
  • Some Monday magic for you✨
  • Some Monday magic for you✨
  • 6 1 55 minutes ago
  • I know it's almost March, but better late than never. ;) I've seen these cool debt-payoff calendars around the #debtfreecommunity feed, and I decided we would try it out. .
Guys, can I be honest for a second? This year has not gone according to plan. I thought we would be crushing it with debt payments, sacrificing, and sticking to our budget short-term so that we could see the results faster.
.
But life tends to have curves in the road that lead you down different paths. So far, we've dealt with a lot of health issues and doctor's appointments, family celebrations to save up for, unexpected tax payments, and a larger dose of anxiety-and-stress attacks than usual. .
When I feel defeated and overwhelmed, especially when I see how much debt we still have to pay off on our #debtfree2020 journey, I like to sit down and breathe. .
Breathe in the goodness of this life. The four beautiful kiddos who still all think I'm the best part of their days and like talking my ear off and cuddling close. Breathe in the opportunities that are still awaiting me. I may have had a slow start for the first month (and guaranteed slow second month), but that still leaves ten months to dig in deep and find a way to accomplish these dreams.
.
#becomingdebtfree is just the beginning of our journey. There are unlimited possibilities, opportunities, and options open to this beautiful family of mine. .
We have a lot of decisions to make this year. We have priorities that need to be put first, even with these debt-free goals of ours. This year we're trying to stop always telling ourselves NO and instead asking ourselves HOW. We're trying to release the fear and regrets and embrace that mistakes are all part of the journey. .
One of our favorite quotes by Robert Kiyosaki is, "Don't let the fear of losing be greater than the excitement of winning."
.
We sure are going to try!!!
  • I know it's almost March, but better late than never. ;) I've seen these cool debt-payoff calendars around the #debtfreecommunity feed, and I decided we would try it out. .
    Guys, can I be honest for a second? This year has not gone according to plan. I thought we would be crushing it with debt payments, sacrificing, and sticking to our budget short-term so that we could see the results faster.
    .
    But life tends to have curves in the road that lead you down different paths. So far, we've dealt with a lot of health issues and doctor's appointments, family celebrations to save up for, unexpected tax payments, and a larger dose of anxiety-and-stress attacks than usual. .
    When I feel defeated and overwhelmed, especially when I see how much debt we still have to pay off on our #debtfree2020 journey, I like to sit down and breathe. .
    Breathe in the goodness of this life. The four beautiful kiddos who still all think I'm the best part of their days and like talking my ear off and cuddling close. Breathe in the opportunities that are still awaiting me. I may have had a slow start for the first month (and guaranteed slow second month), but that still leaves ten months to dig in deep and find a way to accomplish these dreams.
    .
    #becomingdebtfree is just the beginning of our journey. There are unlimited possibilities, opportunities, and options open to this beautiful family of mine. .
    We have a lot of decisions to make this year. We have priorities that need to be put first, even with these debt-free goals of ours. This year we're trying to stop always telling ourselves NO and instead asking ourselves HOW. We're trying to release the fear and regrets and embrace that mistakes are all part of the journey. .
    One of our favorite quotes by Robert Kiyosaki is, "Don't let the fear of losing be greater than the excitement of winning."
    .
    We sure are going to try!!!
  • 9 1 59 minutes ago
  • Two years ago, @daveramsey had me on his show and shared my story. He and his team were kind, enthusiastic and incredibly supportive. .

I was thrilled to be there, with my friends @katrolfe10 and @kittyredqueen, who came to Nashville to celebrate my win, and eternally thankful to all of my internet money friends who rooted for me while I was paying off debt and cheered for me like family when I became debt free. .

Life is so much better without debt. The options I have now mean personal security,  the skills I learned to get out mean I am a great steward of my money now and will have future wealth. .

I am thankful, grateful and blessed. The work was worth it. The day to day sacrifices were worth it, they've faded in my memory now like a dream. .

I watched my show today and I said telling myself no was the hardest thing. I don' remember a single thing I denied myself... so I'd definitely trade all those things again for what I have now... freedom, options, a fun budget. 😁 soon a property and additional income stream. .

Be patient. Keep working towards what matters. You got this.

#daveramsey #debtfreescream
  • Two years ago, @daveramsey had me on his show and shared my story. He and his team were kind, enthusiastic and incredibly supportive. .

    I was thrilled to be there, with my friends @katrolfe10 and @kittyredqueen, who came to Nashville to celebrate my win, and eternally thankful to all of my internet money friends who rooted for me while I was paying off debt and cheered for me like family when I became debt free. .

    Life is so much better without debt. The options I have now mean personal security, the skills I learned to get out mean I am a great steward of my money now and will have future wealth. .

    I am thankful, grateful and blessed. The work was worth it. The day to day sacrifices were worth it, they've faded in my memory now like a dream. .

    I watched my show today and I said telling myself no was the hardest thing. I don' remember a single thing I denied myself... so I'd definitely trade all those things again for what I have now... freedom, options, a fun budget. 😁 soon a property and additional income stream. .

    Be patient. Keep working towards what matters. You got this.

    #daveramsey #debtfreescream
  • 342 8 1 hour ago
  • YouTube Search #SavingsMinusDebt 
YouTube LIVE tomorrow 11 a.m. EST
Special guest "A Sneaker Life."
  • YouTube Search #SavingsMinusDebt
    YouTube LIVE tomorrow 11 a.m. EST
    Special guest "A Sneaker Life."
  • 2 1 1 hour ago
  • Still in this! Chipping away at BS3 and leading our 3rd FPU class! We are so grateful to get to share this journey with others and hopefully make an impact. #babystep3 #daveramsey #debtfreejourney
  • Still in this! Chipping away at BS3 and leading our 3rd FPU class! We are so grateful to get to share this journey with others and hopefully make an impact. #babystep3 #daveramsey #debtfreejourney
  • 0 0 1 hour ago
  • FINALLY!!! My tax return came through and cleared out the tax debt I owed from 2018. This clears up $200 a month for me, I plan to put that on my highest credit card debt - Capital One 😒
.
Despite some setbacks this month due to work, I’m calling this a win!!
What’s a February win for you? 🏆
  • FINALLY!!! My tax return came through and cleared out the tax debt I owed from 2018. This clears up $200 a month for me, I plan to put that on my highest credit card debt - Capital One 😒
    .
    Despite some setbacks this month due to work, I’m calling this a win!!
    What’s a February win for you? 🏆
  • 9 6 1 hour ago
  • I remember how scared and unsure I felt when we cleared out our savings to establish our first emergency fund, and go towards our debt. ⁣
⁣
Having only $1,000 in our emergency fund put us into gazelle mode.⁣
⁣
However, seeing our debt go down also made us feel inspired and motivated to keep working towards paying off our debt.⁣
⁣
If you don’t have an emergency fund, the time to start saving is now.  I know that some people may not feel comfortable with decreasing their savings to $1,000, and if that’s the case, maybe save $2,000, or $3,000.  The point is that you want to be careful of how much money is sitting there, temporarily doing nothing, when it could be saving you lots of money in interest on your existing debt.  The other thing to consider is that this is only temporary.  When you are done paying off your debt, you will save for a much larger emergency fund that will be able to sustain you for 3-6 months should someone suddenly lose a job, or sustain a major injury.⁣
⁣
We haven’t touched our emergency fund for awhile; but knowing that it’s there provides me with a sense of calm, and security if a big emergency happened.⁣
⁣
This savings tracker will be available in my Etsy shop that will be launching on Wednesday! If you are signed up for my e-mail list (if not, dm me and I will add you) you will be receiving a coupon code! ⁣
⁣
Have you ever had to use your emergency fund before? #debtfreecommunity #debtfreecollective
  • I remember how scared and unsure I felt when we cleared out our savings to establish our first emergency fund, and go towards our debt. ⁣

    Having only $1,000 in our emergency fund put us into gazelle mode.⁣

    However, seeing our debt go down also made us feel inspired and motivated to keep working towards paying off our debt.⁣

    If you don’t have an emergency fund, the time to start saving is now. I know that some people may not feel comfortable with decreasing their savings to $1,000, and if that’s the case, maybe save $2,000, or $3,000. The point is that you want to be careful of how much money is sitting there, temporarily doing nothing, when it could be saving you lots of money in interest on your existing debt. The other thing to consider is that this is only temporary. When you are done paying off your debt, you will save for a much larger emergency fund that will be able to sustain you for 3-6 months should someone suddenly lose a job, or sustain a major injury.⁣

    We haven’t touched our emergency fund for awhile; but knowing that it’s there provides me with a sense of calm, and security if a big emergency happened.⁣

    This savings tracker will be available in my Etsy shop that will be launching on Wednesday! If you are signed up for my e-mail list (if not, dm me and I will add you) you will be receiving a coupon code! ⁣

    Have you ever had to use your emergency fund before? #debtfreecommunity #debtfreecollective
  • 39 5 1 hour ago
  • 🙌🏻
  • 🙌🏻
  • 31 2 1 hour ago
  • Well. Here it is. Money was a big issue in my relationship, as it is in many. I spent a lot of time blaming my (now) ex-partner for financial struggles. And what I’ve really had to do ultimately is take back my power. Even if that meant saying “I won’t do this anymore.” Sometimes you need to draw a boundary by refusing to participate—because we cannot (CANNOT) change other people’s behaviors or actions. All we can do is change our own. For me, that meant walking away 🍊. Healthy finances are essential for my sense of peace. And I won’t apologize for it anymore. ✊🏼
  • Well. Here it is. Money was a big issue in my relationship, as it is in many. I spent a lot of time blaming my (now) ex-partner for financial struggles. And what I’ve really had to do ultimately is take back my power. Even if that meant saying “I won’t do this anymore.” Sometimes you need to draw a boundary by refusing to participate—because we cannot (CANNOT) change other people’s behaviors or actions. All we can do is change our own. For me, that meant walking away 🍊. Healthy finances are essential for my sense of peace. And I won’t apologize for it anymore. ✊🏼
  • 17 6 2 hours ago
  • Hey y’all, hey! It’s the last week of February and I wanted to reshare my top 3 money tips from the month. Here you go!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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1. Cut back on personal expenses. Start doing your own hair and nails or limit your shop visits to once a month. Just find a way to save in this area. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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2. Use cash envelopes for food/eating out. Look at you calendar and take note of how many outings you’ll have in the next 2 weeks. For example, I average about $15-20 per outing (that includes tips) so with my $60 per pay period eating out budget I can normally swing 3-4 outings in a pay period. Once the cash is gone, I cannot go to any more restaurants. Cash envelopes keep me accountable and help me avoid overspending.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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3. When shopping for groceries, take inventory of your pantry/fridge and shop the best deals in store. Check weekly ads before grocery shopping and figure out the best days to shop. I allocate $60 towards groceries per pay period and normally cook 3 times a week. P.S. the $60 includes wine 🍷 😉⠀⠀⠀⠀⠀⠀⠀⠀⠀
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One thing I didn’t share this month  was the importance of having a budget. With time, I’ve learned that living on a budget doesn’t restrict me, it gives me the freedom to spend. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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This is my debt free year and I’m working hard to knock out my student loan by October 31st, if not before. I’ll be sharing personal finance tips throughout my journey on my finance highlight. Feel free to share what you’d like to see more of this year. Thanks for following along!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#stacythesurvivor #2020 #miracleseason #blessedlife #life #Godisgood #survivor #fpu #daveramsey #financeblogger #personalfinanceblogger #livelikenooneelse #personalfinance #financialpeace #debtfreecommunity #debtfreejourney #financialpeaceuniversity #houstonblogger #houstonstyle #houstonfinance #texasblogger #htxblogger #houstoninfluencer #houstonbloggerstyle #lotd #ootd #colorcrush #pink
  • Hey y’all, hey! It’s the last week of February and I wanted to reshare my top 3 money tips from the month. Here you go!⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    1. Cut back on personal expenses. Start doing your own hair and nails or limit your shop visits to once a month. Just find a way to save in this area. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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    2. Use cash envelopes for food/eating out. Look at you calendar and take note of how many outings you’ll have in the next 2 weeks. For example, I average about $15-20 per outing (that includes tips) so with my $60 per pay period eating out budget I can normally swing 3-4 outings in a pay period. Once the cash is gone, I cannot go to any more restaurants. Cash envelopes keep me accountable and help me avoid overspending.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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    3. When shopping for groceries, take inventory of your pantry/fridge and shop the best deals in store. Check weekly ads before grocery shopping and figure out the best days to shop. I allocate $60 towards groceries per pay period and normally cook 3 times a week. P.S. the $60 includes wine 🍷 😉⠀⠀⠀⠀⠀⠀⠀⠀⠀
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    One thing I didn’t share this month was the importance of having a budget. With time, I’ve learned that living on a budget doesn’t restrict me, it gives me the freedom to spend. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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    This is my debt free year and I’m working hard to knock out my student loan by October 31st, if not before. I’ll be sharing personal finance tips throughout my journey on my finance highlight. Feel free to share what you’d like to see more of this year. Thanks for following along!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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    #stacythesurvivor #2020 #miracleseason #blessedlife #life #Godisgood #survivor #fpu #daveramsey #financeblogger #personalfinanceblogger #livelikenooneelse #personalfinance #financialpeace #debtfreecommunity #debtfreejourney #financialpeaceuniversity #houstonblogger #houstonstyle #houstonfinance #texasblogger #htxblogger #houstoninfluencer #houstonbloggerstyle #lotd #ootd #colorcrush #pink
  • 32 9 2 hours ago
  • Our lifestyle has completely and totally changed in the last three weeks. We were so frustrated because we have been making pretty good money for a couple of years, but felt like we just weren't getting any where. We have all of this debt- student loans, credit cards, our van, our RV, etc., and none of it was going anywhere. We finally said ENOUGH. It was nothing for us to get coffee multiple times a day, spend whatever we wanted at the grocery store, do whatever whenever. We decided to look into Dave Ramsey and signed up for Financial Peace University. Now we are hooked! We sold our 2019 Honda Odyssey and are driving a $6000 car. We have a written budget, and we are doing Dave's baby steps. We should be debt-free by this time next year! It seems crazy to be sharing about finances on social media, but I'm doing it because I want you to have this same hope and change. It is literally changing every aspect of our lives.
  • Our lifestyle has completely and totally changed in the last three weeks. We were so frustrated because we have been making pretty good money for a couple of years, but felt like we just weren't getting any where. We have all of this debt- student loans, credit cards, our van, our RV, etc., and none of it was going anywhere. We finally said ENOUGH. It was nothing for us to get coffee multiple times a day, spend whatever we wanted at the grocery store, do whatever whenever. We decided to look into Dave Ramsey and signed up for Financial Peace University. Now we are hooked! We sold our 2019 Honda Odyssey and are driving a $6000 car. We have a written budget, and we are doing Dave's baby steps. We should be debt-free by this time next year! It seems crazy to be sharing about finances on social media, but I'm doing it because I want you to have this same hope and change. It is literally changing every aspect of our lives.
  • 5 3 2 hours ago
  • The things I've learned about sourdough in the last week have blown my mind. Here are 3 of them:

1. Did you know that sourdough starters can be passed down for GENERATIONS. A single starter! (As long as it's fed appropriately)

2. The bacteria in sourdough starter actually breaks down the protective compound in the grain that causes so many of us to be intolerant to grains so that we can actually reap the benefical nutrients in the grains. That's what they call a symbiotic relationship in biology class😉

3. If it's worth it to you, making your own bread can save you money! 40 cents a loaf is pretty great!

A week from now my starter should be mature. I can't wait to share sourdough recipes here on IG! I'm dreaming of cinnamon rolls😍

#debtfree #debtfreecommunity #debtfreejourney #sourdough #nospend #sourdoughstarter #baking #daveramsey
  • The things I've learned about sourdough in the last week have blown my mind. Here are 3 of them:

    1. Did you know that sourdough starters can be passed down for GENERATIONS. A single starter! (As long as it's fed appropriately)

    2. The bacteria in sourdough starter actually breaks down the protective compound in the grain that causes so many of us to be intolerant to grains so that we can actually reap the benefical nutrients in the grains. That's what they call a symbiotic relationship in biology class😉

    3. If it's worth it to you, making your own bread can save you money! 40 cents a loaf is pretty great!

    A week from now my starter should be mature. I can't wait to share sourdough recipes here on IG! I'm dreaming of cinnamon rolls😍

    #debtfree #debtfreecommunity #debtfreejourney #sourdough #nospend #sourdoughstarter #baking #daveramsey
  • 9 0 2 hours ago
  • Talking about money and debt can be embarrassing...or it can help keep you accountable.

You don’t have to clean up this mess alone. You don’t have to experience all of the emotions that come with the clean up alone.

Tell someone you trust about your goals and the steps you are taking to meet them. Make sure this person is honest with you and has your best interest at heart. You could even choose someone who has been through it before.

Ask that person to hold you accountable if you deviate from the plan. Once they are invested in your journey, you’ll have someone to offer support and be there to talk you out of all of those silly purchases that you got you into debt in the first place 😂  Check in with them weekly and be honest about your progress and setbacks. They can only help keep you accountable as much as they know about what you are going through!

Who is your accountability partner?
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#accountability #debtfreejourney #firemovement #financiallyindependent #money #savingsgoals #payingoffdebt #budgeting #financialfreedom #daveramsey #babysteps
  • Talking about money and debt can be embarrassing...or it can help keep you accountable.

    You don’t have to clean up this mess alone. You don’t have to experience all of the emotions that come with the clean up alone.

    Tell someone you trust about your goals and the steps you are taking to meet them. Make sure this person is honest with you and has your best interest at heart. You could even choose someone who has been through it before.

    Ask that person to hold you accountable if you deviate from the plan. Once they are invested in your journey, you’ll have someone to offer support and be there to talk you out of all of those silly purchases that you got you into debt in the first place 😂 Check in with them weekly and be honest about your progress and setbacks. They can only help keep you accountable as much as they know about what you are going through!

    Who is your accountability partner?
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    #accountability #debtfreejourney #firemovement #financiallyindependent #money #savingsgoals #payingoffdebt #budgeting #financialfreedom #daveramsey #babysteps
  • 5 0 2 hours ago
  • Repeat this to self. Again and again.
  • Repeat this to self. Again and again.
  • 8 2 2 hours ago
  • 💰 Tax time! 💰⁣
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I know this is such a hot topic in the #DFC. If you're getting a refund then that means you gave Uncle Sam an interest free loan! Why not try to pay in exactly what you need to so you can have more money in your pockets every month throughout the year?? ⁣
⁣
We are receiving $5948 back for our refund this year. AND WE COULDN'T BE MORE HAPPY!! Look, if we would have had less taxes taken out every month so we had more money every paycheck last year... we would probably be in more debt then we are now. Our mindset with money and how to manage it was terrible 🤦‍♀️. I can bet not a penny of that extra money would have went towards reducing our debt. Now we get to put a HUGE dent in it!⁣
⁣
We plan on putting $5300 towards debt and the rest into Sinking Funds. ⁣
⁣
We feel that our tax refunds work as a great savings account for us. Yeah it's not earning any interest but we also couldn't spend it! ⁣
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What are your thoughts on tax refunds? Are you getting one, break even, or do you owe? I love hearing everyone's takes on this subject!⁣
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#debtfreejourney #debtfree #debtfreecommunity #debtfreepursuit #snowballing #cashenvelopesystem #daveramsey #payingoffdebt #beweird #budget #taxes #taxreturn #financialfreedom ⁣
⁣
  • 💰 Tax time! 💰⁣

    I know this is such a hot topic in the #DFC . If you're getting a refund then that means you gave Uncle Sam an interest free loan! Why not try to pay in exactly what you need to so you can have more money in your pockets every month throughout the year?? ⁣

    We are receiving $5948 back for our refund this year. AND WE COULDN'T BE MORE HAPPY!! Look, if we would have had less taxes taken out every month so we had more money every paycheck last year... we would probably be in more debt then we are now. Our mindset with money and how to manage it was terrible 🤦‍♀️. I can bet not a penny of that extra money would have went towards reducing our debt. Now we get to put a HUGE dent in it!⁣

    We plan on putting $5300 towards debt and the rest into Sinking Funds. ⁣

    We feel that our tax refunds work as a great savings account for us. Yeah it's not earning any interest but we also couldn't spend it! ⁣

    What are your thoughts on tax refunds? Are you getting one, break even, or do you owe? I love hearing everyone's takes on this subject!⁣

    #debtfreejourney #debtfree #debtfreecommunity #debtfreepursuit #snowballing #cashenvelopesystem #daveramsey #payingoffdebt #beweird #budget #taxes #taxreturn #financialfreedom
  • 9 1 2 hours ago
  • 9 1 2 hours ago
  • Breakdown for our Nagano trip 😍⛷☃️
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We budgeted ~$1,365 (¥151,000) for everything, and I’m proud to say that we were under-budget!!! 👌🏻🥳😍
Disclaimer: my exchange rate approximation might not be accurate, nor balanced dollar wise 😂😂😂
But, since it’ll be easier for everyone to understand it in dollar, I’m writing it regardless
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Transportation (Bullet train, taxi, train): ~$315 (¥35,000)
Hotel 2 nights (breakfast included): ~$360 (¥40,000)
Snow-monkey 🐒 Tour (day trip): ~$325 (¥36,000)
Food, souvenirs, gifts and other: ~$635 (¥70,000)
— — — — —
Leftover cash: ~$90 (¥10,000)
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Honestly, this trip was expensive. We stayed in a very nice hotel (with a rooftop bar and all included breakfast), splurged on eating out for all our meals, took taxi everywhere (it’s harder for FIL to walk for a long time). Not to mention.., all the alcohol consumed during this trip 🤨😳🤯
I don’t really care about alcohol since I got bloated from it and SUPER DUPER DRUNK from a glass of anything, so I avoid it most of the times.
It was fun tho! I’m really glad we took this ‘family’ trip together. Wouldn’t change it for the world.
The most important thing about travelling is to 
PLAN PLAN PLAN FOR IT.
I’ve had my fair share of frugal travelling 🤪😤🥳; pretending to be asleep when the girl under my bed invited a guy to the hostel room in Budapest, walked for 30 minutes w/ L sized luggage to avoid paying for taxi in Seoul, packing breakfast rolls from hostel for lunch in Lucerne and the unforgettable 8 hour bus trip from Cambodia to Siem Reap [I SWEAR THERE WAS A COLONY OF COCKROACHES UNDER MY SEAT] 🧐🤯🤬🤯🤬🤯🤯😩
So yeap.., this trip was definitely in the higher end 🤣
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#daveramsey #daveramseybabysteps #financialpeaceuniversity #financialindependence #financialfreedom #gazelleintense #debtfreecommunity #debtfreejourney #debtfree #babystep3 #budget #budgeting #sidehustle #finance #personalfinance #personalfinances #frugalfood #frugallife #frugaltravel
  • Breakdown for our Nagano trip 😍⛷☃️
    .
    We budgeted ~$1,365 (¥151,000) for everything, and I’m proud to say that we were under-budget!!! 👌🏻🥳😍
    Disclaimer: my exchange rate approximation might not be accurate, nor balanced dollar wise 😂😂😂
    But, since it’ll be easier for everyone to understand it in dollar, I’m writing it regardless
    .
    Transportation (Bullet train, taxi, train): ~$315 (¥35,000)
    Hotel 2 nights (breakfast included): ~$360 (¥40,000)
    Snow-monkey 🐒 Tour (day trip): ~$325 (¥36,000)
    Food, souvenirs, gifts and other: ~$635 (¥70,000)
    — — — — —
    Leftover cash: ~$90 (¥10,000)
    .
    .
    Honestly, this trip was expensive. We stayed in a very nice hotel (with a rooftop bar and all included breakfast), splurged on eating out for all our meals, took taxi everywhere (it’s harder for FIL to walk for a long time). Not to mention.., all the alcohol consumed during this trip 🤨😳🤯
    I don’t really care about alcohol since I got bloated from it and SUPER DUPER DRUNK from a glass of anything, so I avoid it most of the times.
    It was fun tho! I’m really glad we took this ‘family’ trip together. Wouldn’t change it for the world.
    The most important thing about travelling is to
    PLAN PLAN PLAN FOR IT.
    I’ve had my fair share of frugal travelling 🤪😤🥳; pretending to be asleep when the girl under my bed invited a guy to the hostel room in Budapest, walked for 30 minutes w/ L sized luggage to avoid paying for taxi in Seoul, packing breakfast rolls from hostel for lunch in Lucerne and the unforgettable 8 hour bus trip from Cambodia to Siem Reap [I SWEAR THERE WAS A COLONY OF COCKROACHES UNDER MY SEAT] 🧐🤯🤬🤯🤬🤯🤯😩
    So yeap.., this trip was definitely in the higher end 🤣
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    #daveramsey #daveramseybabysteps #financialpeaceuniversity #financialindependence #financialfreedom #gazelleintense #debtfreecommunity #debtfreejourney #debtfree #babystep3 #budget #budgeting #sidehustle #finance #personalfinance #personalfinances #frugalfood #frugallife #frugaltravel
  • 6 0 3 hours ago
  • Going to work on a Monday after working all weekend with no days off is rough. I’m salaried and considered “exempt” from the overtime law. Meaning I don’t get paid for the hours I work over the 40 hour minimum. I have a good job on a college campus, I enjoy my work, but deep down there is a part of me yelling that this is not right. Then I crunched the numbers. .

When I work 10 hours over a week, my hourly rate decreased about $7 and when I work 20 hours over per week, it dropped $13. Which essentially put me near minimum wage.  And I have a masters degree. Even though my workplace emphasizes work/life balance, it’s clear when it comes to the dollars they don’t. They get more work out of us the more our butts are in our chairs. .

So, what can I do? I can’t change such a large infrastructure over night but I can change how I work in it. I’m working on advocating for myself to “flex” out when I work over to get myself closer to that 40 hour per week mark. I’m trying to build better boundaries and not answer my email all night long. I’m trying to teach myself not to reach for my phone first thing in the morning and give myself some space. .

The #ficommunity has taught me how much more my life is worth. There is so much to live for and do to make a real impact in this world. I’m working toward #financialfreedom to take back my life and my energy. .

Tell me, what strategies do you have to build a better work/life balance?
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#financialindependenceretireearly #financialindependence #frugal #wagegap #overtimework #firemovement #budget #makemoney #debtfreecommunity #debtfreejourney #daveramsey #sidehustle #savemoney #worthit #investinyourself #stayfocused #staystrong #wealthbuilding #purposedrivenlife #inthesearchof
  • Going to work on a Monday after working all weekend with no days off is rough. I’m salaried and considered “exempt” from the overtime law. Meaning I don’t get paid for the hours I work over the 40 hour minimum. I have a good job on a college campus, I enjoy my work, but deep down there is a part of me yelling that this is not right. Then I crunched the numbers. .

    When I work 10 hours over a week, my hourly rate decreased about $7 and when I work 20 hours over per week, it dropped $13. Which essentially put me near minimum wage. And I have a masters degree. Even though my workplace emphasizes work/life balance, it’s clear when it comes to the dollars they don’t. They get more work out of us the more our butts are in our chairs. .

    So, what can I do? I can’t change such a large infrastructure over night but I can change how I work in it. I’m working on advocating for myself to “flex” out when I work over to get myself closer to that 40 hour per week mark. I’m trying to build better boundaries and not answer my email all night long. I’m trying to teach myself not to reach for my phone first thing in the morning and give myself some space. .

    The #ficommunity has taught me how much more my life is worth. There is so much to live for and do to make a real impact in this world. I’m working toward #financialfreedom to take back my life and my energy. .

    Tell me, what strategies do you have to build a better work/life balance?
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    #financialindependenceretireearly #financialindependence #frugal #wagegap #overtimework #firemovement #budget #makemoney #debtfreecommunity #debtfreejourney #daveramsey #sidehustle #savemoney #worthit #investinyourself #stayfocused #staystrong #wealthbuilding #purposedrivenlife #inthesearchof
  • 10 2 3 hours ago
  • Watch the full video in my FB community, Luxom Money Babes
  • Watch the full video in my FB community, Luxom Money Babes
  • 10 3 3 hours ago