#debtfreejourney Instagram Photos & Videos

debtfreejourney - 681.1k posts

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

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

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

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

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

Open to anyone age 13 and older.

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

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

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

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

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

    Open to anyone age 13 and older.

    GOODLUCK!
    #budgetbypaycheckworkbook
  • 24,864 35,448 17 February, 2020
  • 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
  • 2,074 121 18 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.
  • 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.
  • 3,286 199 18 February, 2020
  • 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.

Nothing makes us happier than when you reach out to us and want to get to know us — whether in a comment, a DM, or a reply to a story — because we will ALWAYS take the time to message back. We’re not here for the likes but here for the community and hope we can be a positive, inspiring, motivating resource in your life. Thanks again for being here and we hope that we can be more for you than just “𝚝𝚑𝚊𝚝 𝚗𝚞𝚛𝚜𝚎 𝚌𝚘𝚞𝚙𝚕𝚎 𝚝𝚑𝚊𝚝 𝚕𝚒𝚟𝚎𝚜 𝚒𝚗 𝚊𝚗 𝚁𝚅.” #nurse
#nurselife
#travelnurse
#travelingnurse
#travelnursing
#travelnurserepeat
#nursingschool
#nursingstudent
#ccrn
#criticalcarenurse
#icunurses
#cvicu
#dreambiglivetiny
#debtfreecommunity
#debtfreejourney
#firemovement
#gypsynurse
#gypsynurseadventures
#travelRN
#travelnurselife
#travelrnlife
#pursueyourpassion
#pursueyourdreams
#chasehappiness
#nursesinspirenurses
#thinkpositively
#justbenice
#rvlife
#fulltiming
#rvliving
  • 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.

    Nothing makes us happier than when you reach out to us and want to get to know us — whether in a comment, a DM, or a reply to a story — because we will ALWAYS take the time to message back. We’re not here for the likes but here for the community and hope we can be a positive, inspiring, motivating resource in your life. Thanks again for being here and we hope that we can be more for you than just “𝚝𝚑𝚊𝚝 𝚗𝚞𝚛𝚜𝚎 𝚌𝚘𝚞𝚙𝚕𝚎 𝚝𝚑𝚊𝚝 𝚕𝚒𝚟𝚎𝚜 𝚒𝚗 𝚊𝚗 𝚁𝚅.” #nurse
    #nurselife
    #travelnurse
    #travelingnurse
    #travelnursing
    #travelnurserepeat
    #nursingschool
    #nursingstudent
    #ccrn
    #criticalcarenurse
    #icunurses
    #cvicu
    #dreambiglivetiny
    #debtfreecommunity
    #debtfreejourney
    #firemovement
    #gypsynurse
    #gypsynurseadventures
    #travelRN
    #travelnurselife
    #travelrnlife
    #pursueyourpassion
    #pursueyourdreams
    #chasehappiness
    #nursesinspirenurses
    #thinkpositively
    #justbenice
    #rvlife
    #fulltiming
    #rvliving
  • 1,357 76 22 hours ago
  • 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
  • 2,429 106 15 February, 2020
  • Unpopular opinion? sometimes it's OKAY to buy new containers to help organize or simplify your life 😉⁣⁣
⁣⁣
I put off buying a new fruit basket for months and months because I kept seeing posts that scoffed at buying new organizing bins or containers. I'm also trying to spend wisely and not blow a bunch of $ at the container store. Buuuut here's the thing, I tried using bowls I already had as our "fruit basket", but because we buy our produce at Costco, they ended up all over the place and were driving me CRAZY. & I'm trying to maximize our produce consumption, not minimize it 🤪 So I bit the bullet and bought this last week and I LOVE it. It sparks joy 🥰 and we have ALL eaten SO many more fruits and veggies because it is plain sight 🙌⁣⁣
⁣⁣
This is kind of a silly example, but IG is full of polarizing opinions and it is hard sometimes to tune them out. Don't go and blow your budget, but let this be your reminder to do what makes YOU happy..just buy the darn fruit basket if it will make your life easier 😉 💕
  • Unpopular opinion? sometimes it's OKAY to buy new containers to help organize or simplify your life 😉⁣⁣
    ⁣⁣
    I put off buying a new fruit basket for months and months because I kept seeing posts that scoffed at buying new organizing bins or containers. I'm also trying to spend wisely and not blow a bunch of $ at the container store. Buuuut here's the thing, I tried using bowls I already had as our "fruit basket", but because we buy our produce at Costco, they ended up all over the place and were driving me CRAZY. & I'm trying to maximize our produce consumption, not minimize it 🤪 So I bit the bullet and bought this last week and I LOVE it. It sparks joy 🥰 and we have ALL eaten SO many more fruits and veggies because it is plain sight 🙌⁣⁣
    ⁣⁣
    This is kind of a silly example, but IG is full of polarizing opinions and it is hard sometimes to tune them out. Don't go and blow your budget, but let this be your reminder to do what makes YOU happy..just buy the darn fruit basket if it will make your life easier 😉 💕
  • 801 100 18 February, 2020

Latest Instagram Posts

  • So far, feelin pretty good about my goal for February- food on the cheap and using what I have. .
.
I’ve had to pick up proteins now, and some veggies, plus a couple things to actually make meals happen (like salsa for taco night, etc) and coffee creamer, of course 😅 but in total, I’ve spent $75 in groceries and about $20 in take out for late work days when I can’t get cooking dinner in before A’s bedtime.
Still that leaves me at about $175 less than a “usual” month. .
.
How’s everyone else doing with #frugalfebruary? Lmk in the comments 💗
.
.
#debtfreecommunity #debtfreejourney #freefoodfebruary #frugalfoodfebruary #budgeting #februarybudget
  • So far, feelin pretty good about my goal for February- food on the cheap and using what I have. .
    .
    I’ve had to pick up proteins now, and some veggies, plus a couple things to actually make meals happen (like salsa for taco night, etc) and coffee creamer, of course 😅 but in total, I’ve spent $75 in groceries and about $20 in take out for late work days when I can’t get cooking dinner in before A’s bedtime.
    Still that leaves me at about $175 less than a “usual” month. .
    .
    How’s everyone else doing with #frugalfebruary ? Lmk in the comments 💗
    .
    .
    #debtfreecommunity #debtfreejourney #freefoodfebruary #frugalfoodfebruary #budgeting #februarybudget
  • 0 0 18 minutes ago
  • Working a 12 hour shift today. 3 hours down⏱ Sooo hard to be motivated to work it when I’m not really enjoying it here at the moment. But I’m thinking about the 3 hours time & a half I’ll get and how it’ll help my debts go down and my little house pot go up😆 I did a few hours overtime last week too. We’re staying at my parents while they’re away this weekend and I can’t wait for us to have a whole house to ourselves 🤗🏡 #debtfreecommunity #debtfreejourney #savingforourfirsthome
  • Working a 12 hour shift today. 3 hours down⏱ Sooo hard to be motivated to work it when I’m not really enjoying it here at the moment. But I’m thinking about the 3 hours time & a half I’ll get and how it’ll help my debts go down and my little house pot go up😆 I did a few hours overtime last week too. We’re staying at my parents while they’re away this weekend and I can’t wait for us to have a whole house to ourselves 🤗🏡 #debtfreecommunity #debtfreejourney #savingforourfirsthome
  • 9 0 29 minutes ago
  • In order to start building wealth, getting out of debt, or taking control of your finances, you need to get in the right mindset! It’s great to be able to earn a lot of money, but if you don’t have the mindset of spending less than you earn, you’ll still be broke. If you’re able to get out of debt but still can’t control your spending, you’ll just end up in debt again! Whether you need to adopt a “spend less” mindset, or a “do I really need this?” mindset, or something entirely different, get in that good thought process before continuing on your financial journey. Be specific based on your needs! Just because someone gets out of debt or builds savings doesn’t mean these things will stick unless they change their perception on money. Please don’t work hard to build wealth only to blow it on frivolous material things. Don’t be the person who grinds to eliminate debt just to fall into the same trap again because you didn’t adopt a budget. Change your mindset, set a goal, and stick to it! 
My mindset, since thankfully I don’t have any bad debt (just a mortgage and car, which I’m paying both off early!) is to keep living below my means to continue to build wealth. What’s your money mindset??
  • In order to start building wealth, getting out of debt, or taking control of your finances, you need to get in the right mindset! It’s great to be able to earn a lot of money, but if you don’t have the mindset of spending less than you earn, you’ll still be broke. If you’re able to get out of debt but still can’t control your spending, you’ll just end up in debt again! Whether you need to adopt a “spend less” mindset, or a “do I really need this?” mindset, or something entirely different, get in that good thought process before continuing on your financial journey. Be specific based on your needs! Just because someone gets out of debt or builds savings doesn’t mean these things will stick unless they change their perception on money. Please don’t work hard to build wealth only to blow it on frivolous material things. Don’t be the person who grinds to eliminate debt just to fall into the same trap again because you didn’t adopt a budget. Change your mindset, set a goal, and stick to it!
    My mindset, since thankfully I don’t have any bad debt (just a mortgage and car, which I’m paying both off early!) is to keep living below my means to continue to build wealth. What’s your money mindset??
  • 4 3 33 minutes ago
  • Reminder mostly to myself.
  • Reminder mostly to myself.
  • 23 1 37 minutes ago
  • Yesterday, I very nearly bought a brand new MacBook Pro on finance. 👩🏻‍💻 I was so close to signing on the dotted line that I could smell the “new laptop smell” already. 😳

I currently have a 2013 model which, apart from running a little slow, is in excellent condition. Yes, it’s old but it does the job and there is nothing majorly wrong with it.
⠀
2019 me would have a brand new laptop today but 2020 me has better money sense now and will simply SAVE UP FOR IT if I want one that badly.

Look at me go! 🙌🏻
  • Yesterday, I very nearly bought a brand new MacBook Pro on finance. 👩🏻‍💻 I was so close to signing on the dotted line that I could smell the “new laptop smell” already. 😳

    I currently have a 2013 model which, apart from running a little slow, is in excellent condition. Yes, it’s old but it does the job and there is nothing majorly wrong with it.

    2019 me would have a brand new laptop today but 2020 me has better money sense now and will simply SAVE UP FOR IT if I want one that badly.

    Look at me go! 🙌🏻
  • 9 3 1 hour ago
  • If you’re a Millennial, these are few tips for you, 
If you wait too long, until you are in your 40s or 50s, you’ll have to save and invest a much larger portion of your income.
  • If you’re a Millennial, these are few tips for you,
    If you wait too long, until you are in your 40s or 50s, you’ll have to save and invest a much larger portion of your income.
  • 4 3 1 hour ago
  • Amen 😂 🙏🏻 I’ve been trying to max out my LISA by April to take advantage of the 25% bonus rather than paying down debt this past few months. (I know against some logic but all my debt is at 0%) It feels good knowing I’ll have £5k towards a home by this April! 🏡 Can’t wait to get the ball rolling on debt payments again though. Updated my timeline and hoping to be debt free and maxed out in my Lisa for ‘20&’21 by May 2021 🏡🤩😱Debt free with a house deposit who even am I 💁🏼‍♀️😂 oh wait I’m me in 15 months 😱 Yesssss 🙋🏼‍♀️#debtfreecommunity #debtfreejourney #money #moneymanagement #budget #budgetingtips #budgetlife #paydown #save #lifetimeisa #savings
  • Amen 😂 🙏🏻 I’ve been trying to max out my LISA by April to take advantage of the 25% bonus rather than paying down debt this past few months. (I know against some logic but all my debt is at 0%) It feels good knowing I’ll have £5k towards a home by this April! 🏡 Can’t wait to get the ball rolling on debt payments again though. Updated my timeline and hoping to be debt free and maxed out in my Lisa for ‘20&’21 by May 2021 🏡🤩😱Debt free with a house deposit who even am I 💁🏼‍♀️😂 oh wait I’m me in 15 months 😱 Yesssss 🙋🏼‍♀️ #debtfreecommunity #debtfreejourney #money #moneymanagement #budget #budgetingtips #budgetlife #paydown #save #lifetimeisa #savings
  • 17 4 1 hour ago
  • When your local butcher has t-bones on sale at 10 for $35 it is time to buy a tray....plus we didn’t have any t-bones in the freezer!! Plus the best sweet potato mash, Mr B steamed it and then mashed it...oh my goodness it was so delicious!!!
  • When your local butcher has t-bones on sale at 10 for $35 it is time to buy a tray....plus we didn’t have any t-bones in the freezer!! Plus the best sweet potato mash, Mr B steamed it and then mashed it...oh my goodness it was so delicious!!!
  • 9 1 1 hour ago
  • I used to think that people who planned for Christmas in January were crazy. Why on earth would you be thinking about Christmas when it was 12 months away? I was usually still reeling from the cost of the Christmas just gone. But I’m one of those crazy people now 😂. Each week I transfer £15 from my current account in to my starling account and that money goes into a designated ‘Christmas’ pot. By saving £15 per week I will have enough for gifts and family days out in time for Christmas. I can, hand on heart, tell you that this is so much easier and way less stressful than reaching the end of November and not having a single penny for Christmas presents. Whatever I don’t spend from my Christmas fund will be transferred to our savings. I’d love to know if any of you save for Christmas throughout the year!
  • I used to think that people who planned for Christmas in January were crazy. Why on earth would you be thinking about Christmas when it was 12 months away? I was usually still reeling from the cost of the Christmas just gone. But I’m one of those crazy people now 😂. Each week I transfer £15 from my current account in to my starling account and that money goes into a designated ‘Christmas’ pot. By saving £15 per week I will have enough for gifts and family days out in time for Christmas. I can, hand on heart, tell you that this is so much easier and way less stressful than reaching the end of November and not having a single penny for Christmas presents. Whatever I don’t spend from my Christmas fund will be transferred to our savings. I’d love to know if any of you save for Christmas throughout the year!
  • 47 18 1 hour ago
  • I had the most amazing date day planned last week, it was right up my street- really cool 90’s exhibition, scrummy roast dinner then day drinks after.... it was planned for me and my partner and at the last minute I said no! 🤍 I’m proud 🤍
 I had the ability to over ride #fomo and just say no.... it was for our pennies.
Two birthdays and a weekend away plus a celebration meal in two weeks was hitting me hard and that’s without this.
My partner is amazing and although we don’t have a joint bank account the money is “ours” but that means the debt is ours too. He was willing to pay but that just needs to dangerous grounds for life..... I missed out but I’ve got so much bloody more things to appreciate ahead! Sometimes it feels good to say NO! 
#debtfreejourney #lifeisgood #sayno #savingpennies #mydebtfamily #secretdebt #haypeaa
  • I had the most amazing date day planned last week, it was right up my street- really cool 90’s exhibition, scrummy roast dinner then day drinks after.... it was planned for me and my partner and at the last minute I said no! 🤍 I’m proud 🤍
    I had the ability to over ride #fomo and just say no.... it was for our pennies.
    Two birthdays and a weekend away plus a celebration meal in two weeks was hitting me hard and that’s without this.
    My partner is amazing and although we don’t have a joint bank account the money is “ours” but that means the debt is ours too. He was willing to pay but that just needs to dangerous grounds for life..... I missed out but I’ve got so much bloody more things to appreciate ahead! Sometimes it feels good to say NO!
    #debtfreejourney #lifeisgood #sayno #savingpennies #mydebtfamily #secretdebt #haypeaa
  • 2 0 1 hour ago
  • Last year I had three credit cards. Two with embarrassingly low limits of £200 each and rightfully so as they were always maxed out. I closed them both down by April 2019. 
Fast forward to November 2019 I get a email for credit building credit card and I took one out (impulsively) . The apr was ridiculously high and again the limit was embarrassingly low off £500.  I have proven myself wrong by managed this card so well. ALWAYS paid in full each month and only used for Groceries and it never over £150 spent. 
Well it’s paid off as they’ve  doubled my limit which will aid my Credit score. As this will now be my highest limit card. 
My question for anyone is : should I use this now as a balance transfers card and pay of my remaining credit card that’s causing my credit score the most damage ? OR Do I leave it as I was indented a groceries only card ? And continue to pay off in full every month ? 
#debtfreeuk #debtfreecommunity #debtfreejourney  #ukdebtfreecommunity #ukdebtfreejourney #debtfreejourney #debtfreegoals #creditcard #creditcarddebt
  • Last year I had three credit cards. Two with embarrassingly low limits of £200 each and rightfully so as they were always maxed out. I closed them both down by April 2019.
    Fast forward to November 2019 I get a email for credit building credit card and I took one out (impulsively) . The apr was ridiculously high and again the limit was embarrassingly low off £500. I have proven myself wrong by managed this card so well. ALWAYS paid in full each month and only used for Groceries and it never over £150 spent.
    Well it’s paid off as they’ve doubled my limit which will aid my Credit score. As this will now be my highest limit card.
    My question for anyone is : should I use this now as a balance transfers card and pay of my remaining credit card that’s causing my credit score the most damage ? OR Do I leave it as I was indented a groceries only card ? And continue to pay off in full every month ?
    #debtfreeuk #debtfreecommunity #debtfreejourney #ukdebtfreecommunity #ukdebtfreejourney #debtfreejourney #debtfreegoals #creditcard #creditcarddebt
  • 7 5 1 hour ago
  • So today the debt free journey begins! We have been in debt for our whole adult lives, and as our 40s rapidly approaches we don’t want to be in this situation anymore. We are spending nearly £1000 a month on debt repayments which we could be spending on our family, or saving for the future. After a long time of trying and failing we have managed to put £1000 buffer fund into an easy access savings account for unexpected expenses, which would usually have to go on the credit card. We will try and keep this topped up if we have to use it. We have put the only active credit card we had away and intend to never use it again. So this is it! No more reliance on debt!! I set up all our debts on this app last month and hope it will help motivate me as it seems a long way to debt free! 
Please feel free to join me and we can journey together! #debtfree #debtfreecommunity #debtfreejourney #nomorecreditcards #nomoredebt #letsdothis
  • So today the debt free journey begins! We have been in debt for our whole adult lives, and as our 40s rapidly approaches we don’t want to be in this situation anymore. We are spending nearly £1000 a month on debt repayments which we could be spending on our family, or saving for the future. After a long time of trying and failing we have managed to put £1000 buffer fund into an easy access savings account for unexpected expenses, which would usually have to go on the credit card. We will try and keep this topped up if we have to use it. We have put the only active credit card we had away and intend to never use it again. So this is it! No more reliance on debt!! I set up all our debts on this app last month and hope it will help motivate me as it seems a long way to debt free!
    Please feel free to join me and we can journey together! #debtfree #debtfreecommunity #debtfreejourney #nomorecreditcards #nomoredebt #letsdothis
  • 3 0 1 hour ago
  • Yeeeeeet
  • Yeeeeeet
  • 11 2 1 hour ago
  • Before you even think about saving and investing, you need to build an emergency fund.⁣
⁣
Why? 🤔⁣
⁣
Because sometimes unexpected things happen in life. Things like:⁣
▪️Job loss⁣
▪️Major health/dental expense⁣
▪️Emergency pet care⁣
▪️Car issues⁣
▪️Home repairs⁣
▪️Unexpected travel (family emergencies etc.)⁣
⁣
Having an emergency fund means you can pay for these things upfront instead of going into debt 🌟⁣
⁣
Are you prepared for what life may throw at you?
  • Before you even think about saving and investing, you need to build an emergency fund.⁣

    Why? 🤔⁣

    Because sometimes unexpected things happen in life. Things like:⁣
    ▪️Job loss⁣
    ▪️Major health/dental expense⁣
    ▪️Emergency pet care⁣
    ▪️Car issues⁣
    ▪️Home repairs⁣
    ▪️Unexpected travel (family emergencies etc.)⁣

    Having an emergency fund means you can pay for these things upfront instead of going into debt 🌟⁣

    Are you prepared for what life may throw at you?
  • 36 5 2 hours ago
  • Has anybody used Pension Bee? I read an article this morning about tracking down all of your old pensions using a service on the Government website. It hadn’t even occurred to me that pensions with past employers was my money! I’m going to try and track my old pensions down and see what I come up with!
  • Has anybody used Pension Bee? I read an article this morning about tracking down all of your old pensions using a service on the Government website. It hadn’t even occurred to me that pensions with past employers was my money! I’m going to try and track my old pensions down and see what I come up with!
  • 8 2 2 hours ago
  • Waffles anyone?😋🧇 ⠀
⠀
Don’t forget to set a new reminder in your phone, because we’re launching tomorrow at 8pm PST!⚡️ ⠀
⠀
Enjoy our stunning preset collection for as low as $5 for the first 15 customers✨⠀
⠀
  • Waffles anyone?😋🧇 ⠀

    Don’t forget to set a new reminder in your phone, because we’re launching tomorrow at 8pm PST!⚡️ ⠀

    Enjoy our stunning preset collection for as low as $5 for the first 15 customers✨⠀
  • 8 1 2 hours ago
  • Whatever this journey throws at you, you can always start again! I literally cannot tell you how many times I have started again! Its frustrating but it's about learning. Even in the last year where I have paid off most of my debt I had to start again because I added to that debt! I still havent quiet learnt not over spending!! I do now have a wiggle pot of money for this so I dont get back into more debt! It's okay to start again! Doesnt mean you are a failure! IT MEANS YOU ARE HUMAN! .
#debtfreecommunityuk #debtfreecommunity #debtmotivation #debtfreejourney #debt #dfc #debttips #startover #rebuild #debtisdumb #debtishard
  • Whatever this journey throws at you, you can always start again! I literally cannot tell you how many times I have started again! Its frustrating but it's about learning. Even in the last year where I have paid off most of my debt I had to start again because I added to that debt! I still havent quiet learnt not over spending!! I do now have a wiggle pot of money for this so I dont get back into more debt! It's okay to start again! Doesnt mean you are a failure! IT MEANS YOU ARE HUMAN! .
    #debtfreecommunityuk #debtfreecommunity #debtmotivation #debtfreejourney #debt #dfc #debttips #startover #rebuild #debtisdumb #debtishard
  • 22 0 2 hours ago
  • And another one... quarantine is done. I'm at that point where even though I didn't get my full wages I have money in my envelopes. I didn't really go anywhere so for the last week. .
.
The amount of things I got done at home though is insane. With regards to paperwork etc. I'm finally starting to catch up on myself. It feels good.
.
.
I have never had so many no spend days even at home I'm not tempted to do the online shopping. That says alot for mindset and growth. It can be done people. .
.
However I'm very much ready to be back in work ❤.
  • And another one... quarantine is done. I'm at that point where even though I didn't get my full wages I have money in my envelopes. I didn't really go anywhere so for the last week. .
    .
    The amount of things I got done at home though is insane. With regards to paperwork etc. I'm finally starting to catch up on myself. It feels good.
    .
    .
    I have never had so many no spend days even at home I'm not tempted to do the online shopping. That says alot for mindset and growth. It can be done people. .
    .
    However I'm very much ready to be back in work ❤.
  • 25 2 2 hours ago
  • It is coming time for me to file my US taxes as an #expat ... The US is one of the two countries in which it does its taxes based on residency AND citizenship. Annoying, I know.

This is not tax advice at all. These are some basic terms/forms that I have to consider when I am filing.

Now, I have some years of experience with it but every year I have to brush up on which forms to use exactly based on what I did in the previous year. Which can be exhausting but I am allowed an extension so I will be doing that. I doubt I will have a refund since I do not have any decent credits but I do not think I will be paying taxes either. I won't know until I finish the #taxreturn 
#expat #ustaxes #taxes #phdlife #phd #sweden #debtfreejourney #debtfreecommunity #firemovement
  • It is coming time for me to file my US taxes as an #expat ... The US is one of the two countries in which it does its taxes based on residency AND citizenship. Annoying, I know.

    This is not tax advice at all. These are some basic terms/forms that I have to consider when I am filing.

    Now, I have some years of experience with it but every year I have to brush up on which forms to use exactly based on what I did in the previous year. Which can be exhausting but I am allowed an extension so I will be doing that. I doubt I will have a refund since I do not have any decent credits but I do not think I will be paying taxes either. I won't know until I finish the #taxreturn
    #expat #ustaxes #taxes #phdlife #phd #sweden #debtfreejourney #debtfreecommunity #firemovement
  • 4 0 2 hours ago
  • Frugal food shop February Shopping today.
.
$63.50, but I NEEDED coffee 😂.
.
I normally buy a Gloria Jeans coffee blend, which is $20 kg, but decided to try the Aldi brand at $11.49 kg, we will see how that tastes 🤔.
.
Our son is going on camp next week so I didn’t need extra fruit, his milk will last until he leaves, but I did buy some snacks for him to take.
.
We are still going through our freezer, hubby mentioned to me on the weekend that the freezer doesn’t seem to be going down very quickly lol, I’m thinking we still have another two weeks in it yet, seriously it was so full.
.
Tomatoes and cucumbers are still being picked almost daily, capsicums are not far off again, and I’m so excited - I will have raspberries very soon from our bush we planted last year 🙌. We also have a new amount of strawberries not far away 🤞.
.
#debtfreejourney #savingmoney
  • Frugal food shop February Shopping today.
    .
    $63.50, but I NEEDED coffee 😂.
    .
    I normally buy a Gloria Jeans coffee blend, which is $20 kg, but decided to try the Aldi brand at $11.49 kg, we will see how that tastes 🤔.
    .
    Our son is going on camp next week so I didn’t need extra fruit, his milk will last until he leaves, but I did buy some snacks for him to take.
    .
    We are still going through our freezer, hubby mentioned to me on the weekend that the freezer doesn’t seem to be going down very quickly lol, I’m thinking we still have another two weeks in it yet, seriously it was so full.
    .
    Tomatoes and cucumbers are still being picked almost daily, capsicums are not far off again, and I’m so excited - I will have raspberries very soon from our bush we planted last year 🙌. We also have a new amount of strawberries not far away 🤞.
    .
    #debtfreejourney #savingmoney
  • 17 2 3 hours ago
  • Cold winter mornings aren’t too bad when they’re fresh and crisp 💙
  • Cold winter mornings aren’t too bad when they’re fresh and crisp 💙
  • 17 1 3 hours ago
  • This is us currently. We rolled all out debt into 1 big ball. So it makes it easier to us to pay just 1 payment each pay. (This method isn't for everyone, but we decided it is what works for us). My aim is to pay 500 a fn when hubby gets paid. Plus any extra that doesn't leave nice 0s as the last 2 whole numbers. . .
. .
Next is my sinking funds. That's what they are currently. 
I am at 500 a fn for the deposit. 75 a fn into Yearly. 30 into monthly. 50 into birthdays and Christmas. And 100 into moving funds. ..
..
I currently have a rough 3000ish sitting in spare. That'll probably go into moving funds  next week some time. ..
.. Then left to pay is groceries, fuel, our daughter gets 25 a fn into her account.. This all comes out of hubbys salary. I'm currently extremely casual. With my 8 month old, but I picked up a few hours next month. This money will likely be distributed into the sinking fund accounts, plus I'll probably buy myself some thing nice.
  • This is us currently. We rolled all out debt into 1 big ball. So it makes it easier to us to pay just 1 payment each pay. (This method isn't for everyone, but we decided it is what works for us). My aim is to pay 500 a fn when hubby gets paid. Plus any extra that doesn't leave nice 0s as the last 2 whole numbers. . .
    . .
    Next is my sinking funds. That's what they are currently.
    I am at 500 a fn for the deposit. 75 a fn into Yearly. 30 into monthly. 50 into birthdays and Christmas. And 100 into moving funds. ..
    ..
    I currently have a rough 3000ish sitting in spare. That'll probably go into moving funds next week some time. ..
    .. Then left to pay is groceries, fuel, our daughter gets 25 a fn into her account.. This all comes out of hubbys salary. I'm currently extremely casual. With my 8 month old, but I picked up a few hours next month. This money will likely be distributed into the sinking fund accounts, plus I'll probably buy myself some thing nice.
  • 6 1 3 hours ago
  • ♡THURSDAY♡
.

My favourite day of the week. One more day of work left after today before the weekend can begin. Not that I have any exciting plans for it. .

This week has been really tricky for me, but as people have rightly told me, it's temporary and it's for good reasons. .

I am snowed under with uni work, but I have 3 months of working my bum off left and then I will have a DEGREE, and I have an amazing holiday booked for the end of it, too. .

My money is all over the place and I'm not sure I'll be able to pay my rent on time, but I have a great relationship with my landlord and the reason my money is all over the place is because my new job with a pay rise is going to be paying me monthly instead of weekly so this transition month was always going to be hard. . 
My ex is taking me back to court over child arrangements (but still won't prove he's clean from drugs). This is a process that I find HUGELY stressful, but I've done it before, I've been granted the school options for P that I wanted and everyone, barristers, cafcass etc are on my side. Nothing bad can happen. The worst is done and P is absolutely thriving.
.

Things are never as bad as they seem, and sometimes you have to get through the rough bits to get to the good bits. So I'm gonna try my best to not whine and moan about things because I am SO lucky and life is looking so good.
. ❤ .
#debtfree #debtfreejourney #debtfreeby2022 #saving #girlboss #singlemum #toddlermum #debtfreejourney #debtfreeby2022 #saving #girlboss #singlemum #toddlermum #daughter #debtfreeby2022 #saving #girlboss #singlemum #toddlermum #debtfreecommunity #sidehustle #singlemum #singleparenting #coparenting #familycourt #solo #keepgoing
  • ♡THURSDAY♡
    .

    My favourite day of the week. One more day of work left after today before the weekend can begin. Not that I have any exciting plans for it. .

    This week has been really tricky for me, but as people have rightly told me, it's temporary and it's for good reasons. .

    I am snowed under with uni work, but I have 3 months of working my bum off left and then I will have a DEGREE, and I have an amazing holiday booked for the end of it, too. .

    My money is all over the place and I'm not sure I'll be able to pay my rent on time, but I have a great relationship with my landlord and the reason my money is all over the place is because my new job with a pay rise is going to be paying me monthly instead of weekly so this transition month was always going to be hard. .
    My ex is taking me back to court over child arrangements (but still won't prove he's clean from drugs). This is a process that I find HUGELY stressful, but I've done it before, I've been granted the school options for P that I wanted and everyone, barristers, cafcass etc are on my side. Nothing bad can happen. The worst is done and P is absolutely thriving.
    .

    Things are never as bad as they seem, and sometimes you have to get through the rough bits to get to the good bits. So I'm gonna try my best to not whine and moan about things because I am SO lucky and life is looking so good.
    . ❤ .
    #debtfree #debtfreejourney #debtfreeby2022 #saving #girlboss #singlemum #toddlermum #debtfreejourney #debtfreeby2022 #saving #girlboss #singlemum #toddlermum #daughter #debtfreeby2022 #saving #girlboss #singlemum #toddlermum #debtfreecommunity #sidehustle #singlemum #singleparenting #coparenting #familycourt #solo #keepgoing
  • 23 1 3 hours ago
  • There's just something about paperwork that makes it feel more official! Got my Paid in Full letter for Vday. I took out 4,000.00. I ended up paying back over 6,600. 60% percent more than the amount I took out. Experience is a brutal teacher though. On to the next one. Debtfreeby33ish.com
#debtfreeliving 
#debtfreegoals
#debtfreejourney 
#debtfree #debtfreelife
  • There's just something about paperwork that makes it feel more official! Got my Paid in Full letter for Vday. I took out 4,000.00. I ended up paying back over 6,600. 60% percent more than the amount I took out. Experience is a brutal teacher though. On to the next one. Debtfreeby33ish.com
    #debtfreeliving
    #debtfreegoals
    #debtfreejourney
    #debtfree #debtfreelife
  • 29 0 15 February, 2020