This 4 day trip was the first time I had left my kids with my husband to get away EVER. It was pretty dang awesome. 😊 I had a blast, everything went right, and all the kids (including the baby who I was very anxious to leave) did amazing!! Phew.
This was also a super affordable trip! Thankfully, I was vacationing with 2 of my sisters and my mom who are all some of the frugalest ladies around. 😊 I would have dropped even more money on fun and food if needed, but I’m happy to have spent only $781.
What about you? Are the family and friends around you frugal causing you to be more frugal, or bigger spenders making it hard to be frugal because they’re always wanting you to spend?👀💸
1,4266114 hours ago
Being a working mom is hard and rewarding.
Being a stay at home mom is hard and rewarding.
Being both is hard and rewarding.
EDIT: As a few of you lovely people pointed out in the comments, if you’d be intentionally saving and budgeting for a $1000 product/service, then it goes on sale for $750, therefore, when you buy it you’re making a $250 saving! Big thanks to those who comment, we love to hear your feedback 😊
Whether you’re new here or have been on this journey with us from the beginning, we want to say thank you for your support, words of encouragement, and kindness every step of the way. It’s the little messages from 𝐘𝐎𝐔 telling us ways we have 𝚒𝚗𝚜𝚙𝚒𝚛𝚎𝚍 + 𝚎𝚗𝚌𝚘𝚞𝚛𝚊𝚐𝚎𝚍 you that in return, inspires and motivates us.
Hearing that we’ve made you laugh like when Chase had a dance off with Shakira during the Superbowl, taught you something that was useful like how to install RV shelves or how to build a budget, or encouraged you to go back to school or travel more — that is exactly why we want to be here.
We started this account to document our journey so we would have a collection of photos to look back on and smile at one day. This has grown into so much more than that and we’re so thankful you’re here on this adventure with us. We want to be a resource and encourage you in whatever way that may be.
𝐖𝐞’𝐫𝐞 𝐣𝐮𝐬𝐭 𝐚𝐧 𝐨𝐫𝐝𝐢𝐧𝐚𝐫𝐲 𝐜𝐨𝐮𝐩𝐥𝐞 𝐥𝐢𝐯𝐢𝐧𝐠 𝐚𝐧 𝐚𝐧𝐲𝐭𝐡𝐢𝐧𝐠 𝐛𝐮𝐭 𝐨𝐫𝐝𝐢𝐧𝐚𝐫𝐲 𝐥𝐢𝐟𝐞 — one that you can live too if you want too.
BUDGETING TIP💅🏾 as many as you know in 2020 I have some serious goals of getting debt-free 🔥💸 I’ve been implementing a cash envelope system for a few months now so I thought I’ll share! . .
What Is the Envelope System?
The envelope system is a way to track exactly how much money you have in each budget category for the month by keeping your cash tucked away in envelopes. At the end of the month, you can see how much cash is left by taking a quick peek in your envelope. How easy is that?
Advantages to Using the Envelope System!
It keeps you on track.
It forces discipline.
It holds you accountable.
It makes it pretty hard to overspend.
For more check out my story! If you have ever use cash envelope system before comment below! #debtfreejourney#debtfreecommunity#debtfreegoals#savingmoney#goodcredit#blackgirlmoneymoves#investinyourself#breakinggenerationalcurses
6572822 February, 2020
I don’t know how to even begin writing this. 🤍
Today at noon I officially hit the millionaires club, making me the youngest person in company history to earn a million dollars in commissions 😭
Just over two years ago I joined this company completely broken, broke & lost with no idea how to pull myself out of the hole I was in. What I didn’t know is that god had a plan and purpose for my • YES • and he was about to show just mighty and powerful his love truly is.
Today isn’t monumental because I want to hold the title of being a millionaire; it’s because of what that million dollars represents.
For us to be able to bring in that much money in commissions it means there is a tribe of men and women beside me who are not only changing their lives but so many others.
A million moments of my team gracefully loving me
A million moments of us pouring our hearts and souls in our businesses
A million moments of them trusting me in me and this company
A million moments of people finding their purpose
A million moments of families getting their heads above water for the first time in years
A million moments of us growing together
A million moments of me being humbled to my knees by the path god paved for us
So today I’m in awe of what we’ve built together because I know this milestone means that a door is unlocked for someone ELSE to achieve this next.
Tribe, thank you. @le_velofficial, thank you. @paul_gravette and @jasoncamper , thank you. 😭♥️ You have truly changed our lives forever, and we are so grateful. & @travis_hening, thank you for being the best support system and husband I could ever ask for.
WOW! THATS HUGE! ———————————————————————————
It may surprise you to learn just how much the Bible has to say about finances. There are more than 2,350 verses on how to handle money and assets. God spoke more about money than any other subject! He knew that it would be essential in our daily lives and he provided a blue print for us to succeed with it. ———————————————————————————
So what does the Bible have to say about money? We will start this week with Proverbs 21:20.
Proverbs 21:20 says, “A wise man saves for the future, but the foolish man spends whatever he gets.” This scripture teaches us about saving for the future. From emergency savings to retirement, we are taught to be wise with our spending. ———————————————————————————
The most effective way to save is to do it consistently each time you receive income. This creates a positive behavior around money. Save for both long-term and short-term goals.💡I suggest creating a separate account for each. -Rashedia Mayhane, CEO & FOUNDER of GreenChips
011 minute ago
Eat ya veggies! They are cheaper and better for both you and the earth.
Here is my girl Raven (German Shepherd pup) munching on a carrot to clean her teeth and entertain her. She is a pampered pooch though, and budgeting doesn't apply to her - only the best to my pets 😂
Sunday afternoon baking...a very cheap and easy recipe to make a banana and chocolate cake.
🔹 home brand packet cake mix 75c
🔹 3 extra ripe bananas (they’d been in the fridge for ages solely for the purpose of baking) approx cost 85c based on the cost at time of purchase as it was when they were on sale
🔹 1tb of honey 38c
🔹 1/2 block of honeycomb m&ms chocolate...it was what I had on hand and was marked down when I bought it for 80c for the block, so I used 40c worth
Total cost $2.38...oh and a few cents for the spray oil and small bit of baking paper
🔹 mash bananas 🔹 mix in honey, chopped chocolate and cake mix
🔹 great and line a cake tin
🔹 put in cake mix and bake at 180 for 35-40 minutes
Update: one of my goals for this month... so far, I’ve sold 4 on Mercari, 1 on eBay and 1 on Marketplace. Gotta hustle to get 4 more this week! How are you doing on your February goals?
2126 minutes ago
Anyone else feeling this? 🤣
We had planned to join our finances last year but decided against it because we didn’t want to have to do it twice! I’m a big fan of @up_banking because the multiple savers, the overall platform, the spending breakdown and of course PERK up (who doesn’t love free coffee?)
So here I am waiting (not so patiently) for @up_banking to release joint bank accounts!
If you haven’t joined and are interested let me know and I can send you my code (which will give you free 💰)
Happy early Christmas to me! 🎁
I got these babies back in October of 2019. We needed it. Well, at least we for sure needed the budget workbook and the live rich planner could have waited.
We were struggling to do a budget. Digital just was not working out for us. So, we purchased this in Hope's that it would make things a little better and it did. We started to see where all our money was going. We became aware, conscious, and started to look for solutions once we saw the results.
Thank you @thebudgegmom
I’ve been quiet on Instagram for the last week. Mostly enjoying all the babies and puppies that have been welcomed into families and patiently waiting for one of my main gigs to send payments my way from last year. @simple.peaceful.free welcomed a puppy last weekend and it might just be the cutest thing I’ve ever seen-have you seen that dog? OMG. #doodlesofinstagram
Anyway, I have been drawing and painting a bit more and that’s brought a lot of joy into my days and I’m thinking about taking my ceramics classes before I become debt free-because after all-life is short.
For individuals and families, the benefits of financial literacy – which using shorthand we can describe as ‘being good with money’ – are well understood. The financially astute recognise the wisdom of sound financial planning from an early age and, by doing so, improve their chances of achieving their financial goals. These goals commonly include the purchase of a family home – usually by combining savings and a sensible amount of mortgage debt – putting enough money to one side for the education of children and, importantly, making suitable provision for old age.
In my years of engaging with people, one characteristic that signifies a financially astute person, is that it would be their awareness of the need to save for retirement from an early age. This is not immediately obvious to those who are new to the workforce, who face many competing and what seem to be more appealing uses for their money. As a result, saving for retirement is routinely postponed until late, sometimes too late, in the life cycle.
Financial literacy matters on many levels. It helps people manage their financial affairs and improve their standard of living. .
I know it’s silly and so far away but I honestly cannot wait for this summer and to go on this adventure 🥰
Some may remember some may not care but the past two years I’ve busted ass to pay down debt (on track to be #debtfree in two more years including my home .
And while on this journey I’ve made so many sacrifices and this year I decided to take an adventure and travel a little . It’s something I’m really looking forward too .
I went from posting how much anxiety I was feeling earlier this week, to feeling so much better by the end of the day. I had a general idea of what was causing my anxiety to spike, but then... as I was doing dishes that night... it hit me. Alllll the other little things that were going on. So I immediately got a paper and started writing down all of my stressors. I had EIGHT.
As I stepped back and looked, I thought, “Ohhhhh this all makes sense now!”
There were several I hadn’t even consciously noticed.
Learning to understand my emotional responses, has been KEY to making so many improvements in my life the past year. Ones I’ve been working on for a DECADE, and still couldn’t get it.
Here’s an example of some of the things on that list:
- my toddler got his first cold, so he was sick.
- I wasn’t able to get to the gym because I didn’t want to take a sick kid to the gym daycare. I am realizing this is my only time to really decompress because our schedule is so tight with trying to pay off debt.
- I had some urgent calls I needed to make.
Being able to identify our stressors, our responses, and our actions to fix them... LIFE CHANGING.
Stressed and/or anxious?
GO write a stress list.
Better yet, keep a running note so that our brains can be aware of them before we get kicked into a state of anxiety.
This is a bit of mockery, yes, I know. And I feel that there’s truth both ways. One the one hand, YES. There IS a student loan crisis because students (children - many immature; unfocused; all of it is unsecured debt in massive amounts) are given money abundantly (and encouraged to take more and more money) with very little control on what it’s actually spent on and then the payoff plans and interest are insane, impossible, and devastating however many years later when it all compounds and catches up to ya. I have heard many people say things like, “I will be paying for my kids’ college while I am still paying off my own student loans from when I was in college” and “I will go to my grave with student loan debt.” So yes - it’s a crisis for my generation, for sure. But on the other hand, referring back to this cartoon...YES. YOU took out the loan. YOU have to repay it! Don’t wait for some forgiveness program, government legislature, some wildly wonderful employer, an inheritance, a windfall, or a lottery jackpot to pay off your student loans! The truth of the matter is...you took them out. You have to repay them! It really is as simple as that. The daily interest is awful. This is what we’re tackling next: my student loans from my Master’s degree, which I financed 100% with student loans. 🤦🏻♀️ We are going to crush them FAST! 👊🏼 #gazelleintense#studentloans#debtfreecommunity#debtfreejourney#financialpeaceuniversity#daveramseybabysteps#babystep2#debtisdumb frugal #frugalteacher#teacheronabudget#cashenvelopesystem#debtfreeindiana#hustle#motivation#daveramseyplan
901 hour ago
Here’s a quick recap on my goal. I have met my initial 10 day no spend and increased it to 17 days. I am not sure that I will make it to spend $400 on groceries this month. I have spent $360 so far. I have been cooking more than usual so overall, our food budget is down, but we had an increase in our water bill (we use a dishwasher) by about $15. Despite this, we are saving more by cooking at home. I’m excited to see how everyone has done this month and to get some motivation for next month’s goals!
Ssoo am I paying off my debt yes...and did this part time job help, absolutely!!! In more ways then just an extra paycheck... That being said, I ended up have more then 1 breakdown from being exhausted from months of overworking big myself at both jobs. When I was home, I was always too tired or just down right irritable with everyone close to me. I was turning into someone who I didn’t recognize after awhile. I knew it was time to be done once I found myself with not motivation which isn’t me.
So yes do I want to pay my debt off faster? Absolutely, but I’m not going to risk my mental health for it.
Week 3 of 4. •Work (₱1,250 remaining) - my husband and I have fixed baon of ₱100 and ₱150 respectively. We both work Mon-Fri.
•Food (₱2,220 remaining) - only spent ₱560 on this category including fresh buko. My husband suspected that he has something wrong on his kidney so he bought fresh buko for the whole week. We also went to my husband’s hometown. We shared ₱200 for lunch.
•Pamper (₱1,050 remaining) - I finally had mani/pedi after 2 month. My husband also got a pedicure.
•Toiletries ₱(670 remaining) - no spend on this category. We planned for a ‘no buy’ this year (unless replacements/replenishments)
•Gas (₱3,150 remaining) - we only have 1 week to go until the end of the month. I will have 1 trip to the gas station and 2 trips for my huband. I believe we have more than enough for this category 😁
•Medical (over by ₱1,410) - My husband went to the ER. He had some lab tests done and underwent ultrasound. Turns out he has high bad cholesterol and renal calcification. We NEED to feed our bodies with healthy foods 😣😔 truly, health is wealth.
•Other Misc (₱1,040 remaining) - I bought eload for my siblings
How’s your week 3? Are you still sticking with your #budget ?
Things will come up throughout the month that aren’t foreseeable, and the best way to handle this is to have good systems in place.
Last month alone we had 3 birthday parties, supplies for my son’s classroom (room mom responsibilities), and a few other things that came up.
All of these things that came up were things I wanted to participated in. I wasn’t going to say “no, sorry, can’t give supplies to the classroom because it’s not in the budget.” These are the times when it’s important to evaluate what’s important to you, and how you can still try to meet your objective of achieving your financial goals.
When unexpected expenses come up, here are some things you can do:
1. Pull from other budget categories that have a surplus. Maybe you have extra money sitting in your dining out category this month, you can use that to cover some unexpected expenses.
2. Regularly fund a budget category called “unforeseen expenses”. We also had this category when budgeting for our home renovation, and I find it incredibly helpful for things we simply can’t predict.
3. If there isn’t anything extra in your budget, can you liquidate items that you no longer use to make enough money to cover the expense? You would be surprised how easy it can be to sell things online.
4. My least favorite thing to do is use the emergency fund for non-emergencies. On the flip-side, if something is important enough to you to borrow from your emergency fund, then refund it as soon as possible.
If you are new here, thanks for following along! I’m happy to be encouraging you to save better, spend better, and live better. Good night!! #debtfreecommunity
4521 hour ago
I hope that this information can help someone. Please research to see how you can take advantage of this if you qualify. Heee is the link.
No spend February is proving difficult with now only 2 sleeps until our trip to NYC/Japan.
Things going well:
✅ suitcase - borrowed from my Aunty
✅ thermal shirt - my sister lent me hers, yay!
✅ lock for suitcase - borrowing one from my boss
⚠️ snow goggles/gloves - we’ll rent these for this trip
Things going not so well:
💸 snow socks/neck warmer - I splurged and bought high quality wool/bamboo thermals, oops
💸 credit card annual fee - I forget every year!
💸 hair colour and cut - I get my hair done every 3 months, and wanted it fresh for holidays...
💸 house things - my friend is housesitting so we’ve stocked up on things they will need like cleaning products, cat food etc
How’s everyone else going??
Nick had to work tonight so it was just Han and me for dinner. I made homemade hamburger helper and it was TASTY!
I'll share the recipe that I used in my stories. Of course I modified it slightly. Y'all KNOW I added spinach to this recipe. 😅
I also didn't have tomatoes so I just used a jar of pasta sauce that I had on hand. Total cost for this meal was about $5 and I have a ton left over for my lunches next week. 💪 #debtfreecommunity#debtfreeteacher#debtfreejourney
7551 hour ago
Want to share your financial freedom story with my community?
I created a new series on my blog titled “inspireHER.”
inspireHER is a feature section on pHERsonalfinance.com, highlighting women that are killing it on their journey towards financial freedom.
pHERsonal finance is a safe space where women talk openly about money without being judged, shamed, or feel the need to prove that they’re better than anyone else.
Here women can be comfortable talking about finances even though society may shame us for doing so. We can have the same success as men and have those same conversations with an understanding that financial freedom is not something that’s out of our reach.
Click the link in my bio 🔗 @pHERsonalfinance, select “Share your story with my community” and complete the form to have a chance to inspire other women to peruse financial freedom.
Feel free to DM me if you have any questions.
Guys, this is the THIRD time now in almost 3 months that we’ve received a random settlement check in the mail. One was actually just a few weeks ago when a huge lawsuit happened in the small-ish town I grew up in where residents were grossly overcharged for their taxes to the city. I received a check for $19. Hey, $19 is $19 I didn’t have! I haven’t lived in that city for 8 years now.
Then yesterday, we open up a piece of mail that honestly we just about threw away because it looked like junk. It was a check for $74.30 for a settlement that took place with a company that we bought energy efficient lightbulbs off of Amazon like 3 years ago. Funny thing is, our porch light just went out last week and my hubby was complaining about how that light bulb was only about 3 years old and the company claimed they would last 10 years. That’s what the settlement was about. They made untrue claims about how long they would last.
This extra money, plus a little extra we have left over from this budget month, should allow us to make another $200 debt payment to our last credit card! Woo!!
Have you guys received random, unexpected money while on your debt free journey?! Tell me about it!
As usual, I paid off HKD$8,312 (USD$1,067) debt. I also set aside HKD$980 (USD$126) as my extra debt sinking fund. So far, I paid off 17.23% of my total debt. It seems not much, but there is still a progress compared to last month. Keep fighting!
We finally got our house decluttered, organized, cleaning systems implemented, baby stuff set up and ready to go, and then our house flooded under more than an inch of water and everything we did was undone.
We had finally gotten my office turned into a guest room for our baby visitors, but then it flooded and none of our guests got to stay in it.
My kids couldn’t use our playroom or about half of the house, were cooped up amidst all the rain and starting to act out like crazy before the baby even arrived after months of behaving so well.
My girlfriend who flew in to help with the baby arrived the same day our house flooded and not only spent her 5 days in town on our couch but was sitting at the airport to fly out out as the baby was born.
After weeks of sickness plaguing their school while I kept the boys home to keep them healthy for the baby’s arrival, josh caught a cold just days before she was born.
I was praying heavily and very specifically over my labor and delivery after reading a biblically based book about supernatural childbirth, and then wound up having 5 days of sleepless nights, cramping, lack labor, sleepless nights and painful contractions that weren’t actually dialating my cervix. It started to feel like my longest and hardest labor, the furthest thing from what I had been praying and believing God for.
And there is more tough stuff that happened the week she was born that I can’t really share, but suffice it to say, everything was a mess.
Nothing was panning out how I thought.
We felt so ready to have a baby one day, and then completely unready the next.
And in the midst of a baby God had been using to teach me so much about HOPE in him, true belief, and divine provision, I started to question and doubt. I had been doing so well trusting him, but as the hits kept coming, I started to feel so weak, weary, confused and discouraged.
But then I remembered a scene from the animated movie “The Star” when Mary and Joseph are traveling to Bethlehem. They lost their donkey so Joseph has to carry the wagon but then it completely breaks and now they would have to walk the rest of the way when Mary is about to pop. ((CONT BELOW)) ⬇️
5772 hours ago
Carrying this kind of energy through our debt free journey. 😂
My husband and I have been discussing our debt free journey and our “whys” tonight. One of our goals as a family is to buy a house in cash when we move back to the States. For me, I want to have a home office so I can build a career and raise my babies. For my husband, he wants to retire from the Marines (11 years left!) then do forensic accounting in a home office so he can spend time with us. Keeping these goals in mind keeps us motivated!
What are your whys on this debt free journey?!
642 hours ago
🍣Sushi can get pricey! Exactly how much did this meal cost our family? (Initiate 🥁drum roll)
LESS than $4. Yep. That's it. Swipe ---> to see the breakdown!
Our family loves good food AND making it affordable. Doing Meal $$ Breakdowns is a passion that we, especially Scott, love to do! It reminds us that we are gaining so much, like money and health, by making GF foods at home in a SAFE environment. .
What do you gain by making your own food?
512 hours ago
The menstrual cup has entered my life!
I tried it a few months ago but wasn’t a fan. Done ton of research since and gave it another go last week and used it for my whole period of 4 days and I love it!
I think all the research and knowing now how to get it in correctly and take it out made everything so much easier and comfortable this time around.
I still have a pack of tampons left so I’m leaving them in my car in case I get my period while at work otherwise from now I will use the cup 🙂
1532 hours ago
If you missed my livestream 🔈👂🏾announcement earlier today, regarding my ONE DAY SALE (and unlike Macy’s, it’s for only one day lol) you still have time.
👩🏽🏫Learn how to coupon and meal plan for only $5 and $10 (link in bio).
Thank You For All That You Do!
You Work Hard to Ensure That People Know That There is Much More to Life! That Without The Proper Mindset, Failure is Inevitable... Thank You for Coaching Me and Encouraging Me! Thank You for Not Be Short With Your Words And Always Keeping it Real!!! My Bday Present to You is Movement! And To Work Hard And Make Each Sec Count! #TLC BABY #TeamElevateYourLife#1000Families