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  • BUDGETS WORK.
Commitment. Focus. Plan. Implement. Adjust. Repeat. 📍I look at my budget EVERY SINGLE DAY right now. 🗓  It won't always have to be this way, but when you have A BIG GOAL to FIRST become DEBT FREE, don't let it stop being your #1 HOBBY.
  • BUDGETS WORK.
    Commitment. Focus. Plan. Implement. Adjust. Repeat. 📍I look at my budget EVERY SINGLE DAY right now. 🗓 It won't always have to be this way, but when you have A BIG GOAL to FIRST become DEBT FREE, don't let it stop being your #1 HOBBY.
  • 1,936 107 9 March, 2019

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  • Ashley and Amanda’s lives look almost identical during their working years. They both make the same at their job. Amanda’s apartment is a couple hundred bucks cheaper. She drives a car that’s a couple years older. She skips a couple fancy dinners out and cooks at home. No one even notices the difference looking from the outside looking in.⁣⁣⁣
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But at retirement the contrast is shocking. Amanda is a millionaire with unlimited options. Ashley stayed broke her whole life and will have to dramatically lower her standard of living to try to survive on a small social security check.⁣⁣⁣
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This example uses average numbers, not some fantastical best case scenario. The average US household income is $59,000 per year or about $5,000/month, closer to $4,000/month after taxes. The US stock market has returned an average of about 10% per year over the last 100 years. But of course, inflation eats away at the value of money, so the “real” return over the last 100 years has been about 7%, the number used here. In the example above, the $2.1 million Amanda ends up with is spendable in today’s dollars!⁣⁣⁣
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Check out some of my other posts on how to open a Roth IRA and what is a target date index fund to learn how to do this!⁣⁣⁣
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Are you living below your means? Are you investing early and often? Are you more like Ashely or Amanda?⁣⁣⁣
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This is a repost from my very first "Ashley vs Amanda" back when I had only like 100 followers, but I think it's worth it. This simple comparison represents the worst kept secret to building wealth: Live below your means and invest early and often.⁣
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#personalfinanceclub #pfc #investing #personalfinance #retirement #millionaire #rothira #401k #finance #indexfunds #wealth #rich #cash #money #stocks #invest #investment #debtfree #debtfreejourney #debtfreecommunity #frugal #frugalliving #frugallife #finances #fire #portfolio #investor #goals #success
  • Ashley and Amanda’s lives look almost identical during their working years. They both make the same at their job. Amanda’s apartment is a couple hundred bucks cheaper. She drives a car that’s a couple years older. She skips a couple fancy dinners out and cooks at home. No one even notices the difference looking from the outside looking in.⁣⁣⁣
    ⁣⁣
    But at retirement the contrast is shocking. Amanda is a millionaire with unlimited options. Ashley stayed broke her whole life and will have to dramatically lower her standard of living to try to survive on a small social security check.⁣⁣⁣
    ⁣⁣⁣
    This example uses average numbers, not some fantastical best case scenario. The average US household income is $59,000 per year or about $5,000/month, closer to $4,000/month after taxes. The US stock market has returned an average of about 10% per year over the last 100 years. But of course, inflation eats away at the value of money, so the “real” return over the last 100 years has been about 7%, the number used here. In the example above, the $2.1 million Amanda ends up with is spendable in today’s dollars!⁣⁣⁣
    ⁣⁣⁣
    Check out some of my other posts on how to open a Roth IRA and what is a target date index fund to learn how to do this!⁣⁣⁣
    ⁣⁣⁣
    Are you living below your means? Are you investing early and often? Are you more like Ashely or Amanda?⁣⁣⁣

    This is a repost from my very first "Ashley vs Amanda" back when I had only like 100 followers, but I think it's worth it. This simple comparison represents the worst kept secret to building wealth: Live below your means and invest early and often.⁣
    ⁣⁣⁣
    #personalfinanceclub #pfc #investing #personalfinance #retirement #millionaire #rothira #401k #finance #indexfunds #wealth #rich #cash #money #stocks #invest #investment #debtfree #debtfreejourney #debtfreecommunity #frugal #frugalliving #frugallife #finances #fire #portfolio #investor #goals #success
  • 3,566 242 16 March, 2019

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  • WE DID IT! In 2016 we took the @daveramsey Financial Peace University course at our Church for part of our premarital counseling.  After seeing the amount of student loans we had to pay off, it seemed nearly impossible...BUT this program is written out so perfectly that it worked! 
We tracked our monthly expenses and monthly payoff goals. Any extra funds that we did not allocate to a particular expense went directly to the loans- boy that was tough (but so worth it)!! God is SO good and gave us extra patience and grace during this season- to Him be the glory!! This is achievable for ANYONE!! All it requires is persistence and sticking to your plan!! If you’re feeling stuck like we were, I am happy to share more of our journey and the experience we had with Financial Peace University! 
#debtfreejourney #financialpeace #moneymakeover #daveramsey #chrishogan #studentloans #intentionalliving #godisgood #goals #freedom
  • WE DID IT! In 2016 we took the @daveramsey Financial Peace University course at our Church for part of our premarital counseling. After seeing the amount of student loans we had to pay off, it seemed nearly impossible...BUT this program is written out so perfectly that it worked!
    We tracked our monthly expenses and monthly payoff goals. Any extra funds that we did not allocate to a particular expense went directly to the loans- boy that was tough (but so worth it)!! God is SO good and gave us extra patience and grace during this season- to Him be the glory!! This is achievable for ANYONE!! All it requires is persistence and sticking to your plan!! If you’re feeling stuck like we were, I am happy to share more of our journey and the experience we had with Financial Peace University!
    #debtfreejourney #financialpeace #moneymakeover #daveramsey #chrishogan #studentloans #intentionalliving #godisgood #goals #freedom
  • 995 61 17 March, 2019
  • Y’all my whole world has been turned upside down. My son has been constantly sick and this is our third admission this month. He’s experiencing high fever with no symptoms. We are now getting admitted for a bone marrow biopsy. I’m not ready to put this on my personal page, but I’m sure needing some strength in numbers right now. If you are a praying person, PLEASE I beg you...pray for my 2 year old.
  • Y’all my whole world has been turned upside down. My son has been constantly sick and this is our third admission this month. He’s experiencing high fever with no symptoms. We are now getting admitted for a bone marrow biopsy. I’m not ready to put this on my personal page, but I’m sure needing some strength in numbers right now. If you are a praying person, PLEASE I beg you...pray for my 2 year old.
  • 5,092 2,910 14 March, 2019

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  • Staying motivated can be trickaaaaay. Especially when you feel like you're not seeing any results or progress.
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Hang in there fam 💪🤗 it's coming! 💯
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Rg @moni.goes.frugal
  • Staying motivated can be trickaaaaay. Especially when you feel like you're not seeing any results or progress.
    .
    Hang in there fam 💪🤗 it's coming! 💯
    .
    Rg @moni.goes.frugal
  • 2,251 32 16 March, 2019

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  • When I went online to pay a couple of bills last week...I discovered two online orders that had been placed using my debit card number that had cleared in our checking account...THAT I DID NOT MAKE. My first reaction was astonishment 😫, followed by a moment of panic 😱. After I got our card canceled, paperwork filed to dispute the charges, and a new debit card, I felt just mad 😡! People purchased power tools and heaven knows what else...on OUR DIME! I still had my debit card; which means they only had the number. I tried to narrow it down to where it may have been taken, because seriously - I don’t even use my debit card that much!! (#cashisking #envelopesystem #budgetlife) But the lady at the credit union said they sometimes just make up numbers until they find one that works. SO FRUSTRATING! After having a few days to chill (and our $300 back! 🤨), now I feel grateful 😌. Here’s why: 
1.) I check my account often enough I caught the fraudulent charges immediately and was able to act before our account was drained. 
2.) Thanks to our #debtfreejourney , I knew how much money we should have in our account, and even though a few hundred dollars was missing, I was able to pay the bills that needed to be paid. 
Basically, this could have caused MAJOR PANIC. Instead, it was a mere inconvenience. That is why I am choosing gratitude!! #gratitude #budgeting #envelopesystem #cashisking #daveramsey #fpu #debtfreecommunity #debtsnowball #money #grateful
  • When I went online to pay a couple of bills last week...I discovered two online orders that had been placed using my debit card number that had cleared in our checking account...THAT I DID NOT MAKE. My first reaction was astonishment 😫, followed by a moment of panic 😱. After I got our card canceled, paperwork filed to dispute the charges, and a new debit card, I felt just mad 😡! People purchased power tools and heaven knows what else...on OUR DIME! I still had my debit card; which means they only had the number. I tried to narrow it down to where it may have been taken, because seriously - I don’t even use my debit card that much!! ( #cashisking #envelopesystem #budgetlife ) But the lady at the credit union said they sometimes just make up numbers until they find one that works. SO FRUSTRATING! After having a few days to chill (and our $300 back! 🤨), now I feel grateful 😌. Here’s why:
    1.) I check my account often enough I caught the fraudulent charges immediately and was able to act before our account was drained.
    2.) Thanks to our #debtfreejourney , I knew how much money we should have in our account, and even though a few hundred dollars was missing, I was able to pay the bills that needed to be paid.
    Basically, this could have caused MAJOR PANIC. Instead, it was a mere inconvenience. That is why I am choosing gratitude!! #gratitude #budgeting #envelopesystem #cashisking #daveramsey #fpu #debtfreecommunity #debtsnowball #money #grateful
  • 0 0 1 minute ago

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  • Finally some nice weather. After being cooped up almost a month from #snowmageddon2019 we cannot be more happy for spring to come. We have been outside enjoying sunshine the last three day. Parks are free which is great... bicycles are not but they sure are cute!
  • Finally some nice weather. After being cooped up almost a month from #snowmageddon2019 we cannot be more happy for spring to come. We have been outside enjoying sunshine the last three day. Parks are free which is great... bicycles are not but they sure are cute!
  • 0 1 10 minutes ago

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  • This speaks to my soul lol 💥
  • This speaks to my soul lol 💥
  • 12 1 14 minutes ago

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  • Josh has been putting in some crazy hours and doing side jobs to accelerate our debt repayment so we can get living like no one else. This weekend he had lots of work to get done and didnt want to have to worry about us so the boys and I headed to visit my parents for the weekend. .
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Titus and I went out on a mommy/son date while we were there! I havent gone out with just him since before his brother was born so it was pretty special! We got some ice cream from  @marbleslabcreamery and8 .
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We also enjoyed some of the nice weather! It's too bad there was still so much snow!
  • Josh has been putting in some crazy hours and doing side jobs to accelerate our debt repayment so we can get living like no one else. This weekend he had lots of work to get done and didnt want to have to worry about us so the boys and I headed to visit my parents for the weekend. .
    .
    Titus and I went out on a mommy/son date while we were there! I havent gone out with just him since before his brother was born so it was pretty special! We got some ice cream from @marbleslabcreamery and8 .
    .
    We also enjoyed some of the nice weather! It's too bad there was still so much snow!
  • 7 1 20 minutes ago

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  • ✨What gets you out of bed in the morning? What is your passion behind your decisions? I’ll tell you mine: encouraging and uplifting others. But let me also tell you why.
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As you can read in my previous posts, I experienced bullying as a child due to being obese. The desire for kindness has always been within me because I’ve personally experienced lack thereof. Something you may not have read in previous posts is that I have experienced a lot of death in my life. I’m 30 years old and I’ve attended over 30 funerals.
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Meet Whitney. She’s one of my reasons why I fight for kindness and find opportunities to uplift and encourage everyone around me. She was one of my closest friends and roommate my last couple years of college and also one of the most joyful people you would ever meet. But her world eventually grew dark as she suffered from depression, lack of self worth, and loneliness. She eventually committed suicide New Years Day of 2017. She also wasn’t the only suicide that happened in my life around that time frame. Two others that I personally knew had committed suicide-one being two months prior and the other being 2 months after Whitney. .
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Encouraging others and making sure they feel included has always been one of my greatest passions but this passion became even greater within me and the opportunity to love others for who they are, continues to get me out of bed in the morning. .
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Why am I sharing this tonight? Because I have found a community and a business that is rooted in this same passion of mine and it brings LIFE to my soul to be able to motivate and encourage women and men as my JOB. I get to wear cute activewear and let others feel confident in what they are wearing just by putting on a pair of leggings. It may sound ridiculous but it’s true! I have women tell me how amazing they feel in their skin because of our product. But the best part is, it isn’t even about our product! It’s about the lives that are being changed. Women are coming out of dark times because they just feel good and other women who are providing income for their families. The crazy thing? This is just the beginning and you can join this opportunity too!
  • ✨What gets you out of bed in the morning? What is your passion behind your decisions? I’ll tell you mine: encouraging and uplifting others. But let me also tell you why.
    .
    As you can read in my previous posts, I experienced bullying as a child due to being obese. The desire for kindness has always been within me because I’ve personally experienced lack thereof. Something you may not have read in previous posts is that I have experienced a lot of death in my life. I’m 30 years old and I’ve attended over 30 funerals.
    .
    Meet Whitney. She’s one of my reasons why I fight for kindness and find opportunities to uplift and encourage everyone around me. She was one of my closest friends and roommate my last couple years of college and also one of the most joyful people you would ever meet. But her world eventually grew dark as she suffered from depression, lack of self worth, and loneliness. She eventually committed suicide New Years Day of 2017. She also wasn’t the only suicide that happened in my life around that time frame. Two others that I personally knew had committed suicide-one being two months prior and the other being 2 months after Whitney. .
    .
    Encouraging others and making sure they feel included has always been one of my greatest passions but this passion became even greater within me and the opportunity to love others for who they are, continues to get me out of bed in the morning. .
    .
    Why am I sharing this tonight? Because I have found a community and a business that is rooted in this same passion of mine and it brings LIFE to my soul to be able to motivate and encourage women and men as my JOB. I get to wear cute activewear and let others feel confident in what they are wearing just by putting on a pair of leggings. It may sound ridiculous but it’s true! I have women tell me how amazing they feel in their skin because of our product. But the best part is, it isn’t even about our product! It’s about the lives that are being changed. Women are coming out of dark times because they just feel good and other women who are providing income for their families. The crazy thing? This is just the beginning and you can join this opportunity too!
  • 17 5 30 minutes ago
  • $37,000 in debt gone in 2 1/2 years! Time to celebrate! 💃🤸‍♀️🎊 We have worked so hard in the past 3 years to get this far. We still have a little ways to go until we are totally debt free but we are pushing hard for it.

Changing our lifestyle was the first thing that had to be done. We started meal planning first. After that we made a rule of absolutely NO impulse buying ever! No more trying to have the best or most expensive. We decided to be CONTENT with what we had. (Only to turn around and sell most of it to move into a camper. ) --->>🤪 crazy right?....wrong!

From there we jumped in and started paying off our largest interest rate loan, followed by a vehicle and on to the biggest debt we had which was a major credit card. We are down to two payments hovering over our heads and we hope to have those gone within the next year. The feeling when hard work and dedication payoff 😆 is so rewarding. 
Just remember The Jones's are Broke! So stop keeping up with society and live a life worth living.
  • $37,000 in debt gone in 2 1/2 years! Time to celebrate! 💃🤸‍♀️🎊 We have worked so hard in the past 3 years to get this far. We still have a little ways to go until we are totally debt free but we are pushing hard for it.

    Changing our lifestyle was the first thing that had to be done. We started meal planning first. After that we made a rule of absolutely NO impulse buying ever! No more trying to have the best or most expensive. We decided to be CONTENT with what we had. (Only to turn around and sell most of it to move into a camper. ) --->>🤪 crazy right?....wrong!

    From there we jumped in and started paying off our largest interest rate loan, followed by a vehicle and on to the biggest debt we had which was a major credit card. We are down to two payments hovering over our heads and we hope to have those gone within the next year. The feeling when hard work and dedication payoff 😆 is so rewarding.
    Just remember The Jones's are Broke! So stop keeping up with society and live a life worth living.
  • 10 3 34 minutes ago

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  • Here’s one scenario out of many: Have you ever wanted to just tell your boss to go f*** yourself? .
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I think we all have at least once, twice or more. 😂. However there was always one thing that stopped us from giving him / her the middle finger and walking off to live our best life. Money💰! At that very moment you came to a split second realization that your savings or emergency fund was looking a little dried up or basically non-existent; and now your thoughts are better left unsaid and you continue to put up with the crap not forgetting to add a great big smile. 🤦🏽‍♀️🤷🏽‍♀️
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If you really could tell your boss off, what would you say ( Leave a comment) Maybe if you actually write it down and stick it on your refrigerator as a daily reminder, it would get you motivated to start your f*** you fund, like yesterday. Many of us sit and wait around with a pocket full of hope called lottery tickets, that would save us from a whole list of things, but in the meantime while you wait for that, why not go ahead and start abundantly adding to your fund and maybe you might save yourself a little closer down the road.
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Don’t forget to repeat your affirmation daily “my f*** you fund is growing abundantly” and manifest it into reality.
  • Here’s one scenario out of many: Have you ever wanted to just tell your boss to go f*** yourself? .
    .
    I think we all have at least once, twice or more. 😂. However there was always one thing that stopped us from giving him / her the middle finger and walking off to live our best life. Money💰! At that very moment you came to a split second realization that your savings or emergency fund was looking a little dried up or basically non-existent; and now your thoughts are better left unsaid and you continue to put up with the crap not forgetting to add a great big smile. 🤦🏽‍♀️🤷🏽‍♀️
    .
    .
    If you really could tell your boss off, what would you say ( Leave a comment) Maybe if you actually write it down and stick it on your refrigerator as a daily reminder, it would get you motivated to start your f*** you fund, like yesterday. Many of us sit and wait around with a pocket full of hope called lottery tickets, that would save us from a whole list of things, but in the meantime while you wait for that, why not go ahead and start abundantly adding to your fund and maybe you might save yourself a little closer down the road.
    .
    .
    Don’t forget to repeat your affirmation daily “my f*** you fund is growing abundantly” and manifest it into reality.
  • 10 2 35 minutes ago
  • Everything in life can get so overwhelming but one thing I try and make myself remember is that I'm still in a much better place than I was a year ago - we've secured a block of land, we're going to be building our first home together, and I'm 13kg down. 😍
  • Everything in life can get so overwhelming but one thing I try and make myself remember is that I'm still in a much better place than I was a year ago - we've secured a block of land, we're going to be building our first home together, and I'm 13kg down. 😍
  • 17 2 37 minutes ago
  • Many people spend hundreds or even thousands at Amazon regularly. Luckily Amazon doesn’t get too rich off us. However, we do pay $10/month for Alma and her sister to have access to unlimited reading. 📖 Alma reads every night and having the $10 membership is nice because she can crush books. If she wasn’t A) reading a lot and B) sharing the books with her sister, it probably wouldn’t be worth it. But, Alma enjoys it and we’re Debt Free so it’s in the budget. •

#Books #Reading #Amazon #Motivation #Kindle #DebtfreeCommunity #Debtfreejourney #Babysteps #Gazelle
  • Many people spend hundreds or even thousands at Amazon regularly. Luckily Amazon doesn’t get too rich off us. However, we do pay $10/month for Alma and her sister to have access to unlimited reading. 📖 Alma reads every night and having the $10 membership is nice because she can crush books. If she wasn’t A) reading a lot and B) sharing the books with her sister, it probably wouldn’t be worth it. But, Alma enjoys it and we’re Debt Free so it’s in the budget. •

    #Books #Reading #Amazon #Motivation #Kindle #DebtfreeCommunity #Debtfreejourney #Babysteps #Gazelle
  • 67 3 37 minutes ago
  • Once our youngest starts kinder in the fall I’ll start working full time so we can tackle our debt in a more efficient way. For now, I’m savoring our afternoons together. Baking cookies, playing games and getting all the snuggles. #debtfreejourney #debtfreecommunity
  • Once our youngest starts kinder in the fall I’ll start working full time so we can tackle our debt in a more efficient way. For now, I’m savoring our afternoons together. Baking cookies, playing games and getting all the snuggles. #debtfreejourney #debtfreecommunity
  • 4 1 45 minutes ago
  • If you’re gonna do something, you might as well make it fun, right?
Finishing up my budget binder today and started on some cutie new envelopes that’ll FINALLY fit in my wallet. 🙌🏼
  • If you’re gonna do something, you might as well make it fun, right?
    Finishing up my budget binder today and started on some cutie new envelopes that’ll FINALLY fit in my wallet. 🙌🏼
  • 5 1 45 minutes ago
  • 🤗 I got a PRN RN position at a long term care facility in down town Fort Worth. For those not in health care, PRN or "pro re nata" loosely translates to "as needed". The units does 8 hour shifts and I can work any of the 3 shifts which makes it very flexible for me and giving me more opportunities to pick up shifts. Minimum, I'll work two shifts a month but I'm hoping to get at least 16 hours in each week here. If I can keep that up, I can make over $2,000 😮 I'm so excited to have picked up this job. My shovel is now bigger and I can get myself out of this debt hole faster! It's gonna be a good spring 🌸🌼
  • 🤗 I got a PRN RN position at a long term care facility in down town Fort Worth. For those not in health care, PRN or "pro re nata" loosely translates to "as needed". The units does 8 hour shifts and I can work any of the 3 shifts which makes it very flexible for me and giving me more opportunities to pick up shifts. Minimum, I'll work two shifts a month but I'm hoping to get at least 16 hours in each week here. If I can keep that up, I can make over $2,000 😮 I'm so excited to have picked up this job. My shovel is now bigger and I can get myself out of this debt hole faster! It's gonna be a good spring 🌸🌼
  • 17 1 45 minutes ago
  • Meal planning has saved us money guys! When we started this journey we knew that we were throwing away so much of our money on fast food.
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I created this little template to help me meal plan for the week. I work on this on Saturdays before going to the grocery store. It helps me create my grocery list and then I put it up on the fridge so that I have easy access to it.
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I’d be happy to send it to anyone who might feel like they benefit from it. Just DM me your e-mail address and it’s yours!
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I had to add the vegetable part because one of my health goals for the year was to eat more fruits and veggies. 🍅 🌽 🥕
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Do you also write out your meal plan?
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#frugaleating #budget #debtfreecommunity #debt #debtfreejourney #debtsnowball #mealplanning
  • Meal planning has saved us money guys! When we started this journey we knew that we were throwing away so much of our money on fast food.
    .

    I created this little template to help me meal plan for the week. I work on this on Saturdays before going to the grocery store. It helps me create my grocery list and then I put it up on the fridge so that I have easy access to it.
    .

    I’d be happy to send it to anyone who might feel like they benefit from it. Just DM me your e-mail address and it’s yours!
    .

    I had to add the vegetable part because one of my health goals for the year was to eat more fruits and veggies. 🍅 🌽 🥕
    .

    Do you also write out your meal plan?
    .

    #frugaleating #budget #debtfreecommunity #debt #debtfreejourney #debtsnowball #mealplanning
  • 7 0 46 minutes ago
  • Is anyone else collecting bottles for recycling? We’ve just started in Qld and it seems to be popular 🤔 Any thoughts?
  • Is anyone else collecting bottles for recycling? We’ve just started in Qld and it seems to be popular 🤔 Any thoughts?
  • 11 11 52 minutes ago
  • This is the perfect example of something I would “treat yourself!” and pick up. The colors are gorgeous and the price point is just right. But honestly? I would use a handful of colors at most and this would sit in my drawer, wasting space and making me feel guilty. $25 = saved. ✅
  • This is the perfect example of something I would “treat yourself!” and pick up. The colors are gorgeous and the price point is just right. But honestly? I would use a handful of colors at most and this would sit in my drawer, wasting space and making me feel guilty. $25 = saved. ✅
  • 11 2 54 minutes ago
  • We are 100% debt free!! 🥳👏
_______________________________
Ben & I met in October 2016, shortly after he finished paying of his truck and became debt free himself.  It wasn't until we attended Dave Ramsey's Financial Peace University in July 2017 that I finally obtained the tools to complete my own debt free journey. -------‐------------------------------------------
$23,000 in 20 months!! Our journey was not gazelle intense - I fell off the debt free train a few times but wouldn't change a thing.  While Ben took care of Baby Steps #2 - #5 for us while I worked on my debt.. ________________________________
Now onto cash flowing our wedding and a home down payment!!
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#blessed #daveramsey #debtfree #financialpeace #babysteps #everydollar #debtfreecommunity #debtfreejourney #budget #financialfreedom #powercouple
  • We are 100% debt free!! 🥳👏
    _______________________________
    Ben & I met in October 2016, shortly after he finished paying of his truck and became debt free himself. It wasn't until we attended Dave Ramsey's Financial Peace University in July 2017 that I finally obtained the tools to complete my own debt free journey. -------‐------------------------------------------
    $23,000 in 20 months!! Our journey was not gazelle intense - I fell off the debt free train a few times but wouldn't change a thing. While Ben took care of Baby Steps #2 - #5 for us while I worked on my debt.. ________________________________
    Now onto cash flowing our wedding and a home down payment!!
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    #blessed #daveramsey #debtfree #financialpeace #babysteps #everydollar #debtfreecommunity #debtfreejourney #budget #financialfreedom #powercouple
  • 61 7 58 minutes ago
  • 🚨 New Article 🚨 www.UglyBudget.com shopping second hand is the easiest way to save money for investments 💯🙏🏾🔥
  • 🚨 New Article 🚨 www.UglyBudget.com shopping second hand is the easiest way to save money for investments 💯🙏🏾🔥
  • 27 1 1 hour ago
  • Ok guys! I'm ALL about doing whatever you can to make your life easier & there's one chore I absolutely hate... Grocery shopping!! 🛒 The local supermarket by my house has a month of free Grocery pick up & you best believe I am taking full advantage of this. You order your groceries online and pick them up at a time that's convenient for you. No shopping isles , no waiting in lines, no annoying people .. not that anyone is annoying or anything 😉. Seriously the BEST THING EVER!! 🎉🎉 Debating on if it's worth paying the extra $3-5 to keep doing this going forward 😂. Has anyone else used this service before ? .
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#debtfreecommunity #debtfreeliving #debtfree #debtfreejourney #savings #saving #budget #convienience #worksmart #groceryshopping #shopping #frugalliving #thebest
  • Ok guys! I'm ALL about doing whatever you can to make your life easier & there's one chore I absolutely hate... Grocery shopping!! 🛒 The local supermarket by my house has a month of free Grocery pick up & you best believe I am taking full advantage of this. You order your groceries online and pick them up at a time that's convenient for you. No shopping isles , no waiting in lines, no annoying people .. not that anyone is annoying or anything 😉. Seriously the BEST THING EVER!! 🎉🎉 Debating on if it's worth paying the extra $3-5 to keep doing this going forward 😂. Has anyone else used this service before ? .
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    #debtfreecommunity #debtfreeliving #debtfree #debtfreejourney #savings #saving #budget #convienience #worksmart #groceryshopping #shopping #frugalliving #thebest
  • 7 0 1 hour ago
  • We started our debt free journey in September last year, but we've really been debt payoff focused since around January this year. Here's a few things we did through September to December to help us manage debt and costs associated with our build and living expenses.

1. Made a list of any bills we had left to pay and got current on them
2. Made a list of one- off expenses that were coming up; for us this was the fees for the Architectural plans and some other reports we had to undertake on our land and allowed for these costs through our savings.
3. Created a loose budget and started getting used to budgeting again. A lack of budget was one of the contributing factors to our debt accrual
4. Kept track of our expenses and started to hone in on a final budget
5. Developed a goal to pay off our debts by. 
6. Used our credit card less and less every month.
7. Stopped buying things on credit and only cash flowed items.
8. Thought ten times before buying something to make sure that we actually NEEDED it and that we could cash flow it.

As a result of those first few months where we were fine tuning everything, we were able to focus on rapidly paying off debt as soon as everything settled and our budget was in place. Our expenses are tracked constantly. There are funds available for every single item as we do #zerobasedbudgeting and we try not to go over our allocating amounts.

All our surplus is going towards debt at the moment which means around $4.5k every month. This week, our total debt pay off since September 2018 will reach over 26k. We will now have all debt excluding our personal loan paid off by May of this year, just before our home loan payments start in June! It's a huge relief to me knowing that we will still be able to save money with a mortgage, something we were struggling to do this time last year.
  • We started our debt free journey in September last year, but we've really been debt payoff focused since around January this year. Here's a few things we did through September to December to help us manage debt and costs associated with our build and living expenses.

    1. Made a list of any bills we had left to pay and got current on them
    2. Made a list of one- off expenses that were coming up; for us this was the fees for the Architectural plans and some other reports we had to undertake on our land and allowed for these costs through our savings.
    3. Created a loose budget and started getting used to budgeting again. A lack of budget was one of the contributing factors to our debt accrual
    4. Kept track of our expenses and started to hone in on a final budget
    5. Developed a goal to pay off our debts by.
    6. Used our credit card less and less every month.
    7. Stopped buying things on credit and only cash flowed items.
    8. Thought ten times before buying something to make sure that we actually NEEDED it and that we could cash flow it.

    As a result of those first few months where we were fine tuning everything, we were able to focus on rapidly paying off debt as soon as everything settled and our budget was in place. Our expenses are tracked constantly. There are funds available for every single item as we do #zerobasedbudgeting and we try not to go over our allocating amounts.

    All our surplus is going towards debt at the moment which means around $4.5k every month. This week, our total debt pay off since September 2018 will reach over 26k. We will now have all debt excluding our personal loan paid off by May of this year, just before our home loan payments start in June! It's a huge relief to me knowing that we will still be able to save money with a mortgage, something we were struggling to do this time last year.
  • 53 2 1 hour ago
  • 🔆I was offered a job on 3/1. Exactly 9 months to the day of losing my job with my last employer. Today was the first day of my two week orientation with my new company. They have paid for room, travel, and food during my two week stay out of state. So far, even though it’s only day one, very impressed and excited for the opportunity to work for this company.
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Perks/benefits about the job: 
number 1 perk—I GET TO WORK FROM HOME...remote work!!!! 🤩They offer great medical/dental/vision plans, HSA(with annual contribution by the company)/FSA, traditional and Roth 401k options(company matching), identity theft protection plan, and other benefit options such as life insurance, etc.
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And the greatest part about my new job:
I get to contribute money to paying off our #debt! 🥳For the first 6 months after losing my job, I was on unemployment benefits. It was very helpful for the start of our #debtfreejourney. (I found the #debtfreecommunity and started this account the same week I lost my job.) Since my unemployment benefits ran out in December, things have been very tight financially. Receiving this job offer came at the very right time. 🙏🏼
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Watching everyone receive new job offers these 9 months has been encouraging. I’ve listened to your tips and educated myself to find the best job that fits my career, financial, and family goals. I hope to grow old with this company so I never have to job search again, because 9 months of interviewing was ROUGH!😂 Let hope things continue to go smoothly these two weeks!🤞🔆
  • 🔆I was offered a job on 3/1. Exactly 9 months to the day of losing my job with my last employer. Today was the first day of my two week orientation with my new company. They have paid for room, travel, and food during my two week stay out of state. So far, even though it’s only day one, very impressed and excited for the opportunity to work for this company.
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    Perks/benefits about the job:
    number 1 perk—I GET TO WORK FROM HOME...remote work!!!! 🤩They offer great medical/dental/vision plans, HSA(with annual contribution by the company)/FSA, traditional and Roth 401k options(company matching), identity theft protection plan, and other benefit options such as life insurance, etc.
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    And the greatest part about my new job:
    I get to contribute money to paying off our #debt ! 🥳For the first 6 months after losing my job, I was on unemployment benefits. It was very helpful for the start of our #debtfreejourney . (I found the #debtfreecommunity and started this account the same week I lost my job.) Since my unemployment benefits ran out in December, things have been very tight financially. Receiving this job offer came at the very right time. 🙏🏼
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    Watching everyone receive new job offers these 9 months has been encouraging. I’ve listened to your tips and educated myself to find the best job that fits my career, financial, and family goals. I hope to grow old with this company so I never have to job search again, because 9 months of interviewing was ROUGH!😂 Let hope things continue to go smoothly these two weeks!🤞🔆
  • 25 4 1 hour ago
  • A little Monday motivation because I know I need it! Keep pushing forward! Keep making progress! As long as you start and keep going you WILL bear fruit!
  • A little Monday motivation because I know I need it! Keep pushing forward! Keep making progress! As long as you start and keep going you WILL bear fruit!
  • 30 5 1 hour ago
  • Alma had all 4 wisdom teeth removed yesterday. She’s limited to soups and other soft foods, luckily cheesecake is soft. Took her out for soup and cheesecake at her favorite cheesecake spot. Our budget is turned upside down but we’ve got the savings to tackle the $2300 the dental 🦷 set us back like it was no big deal! Life is good and we’re just thankful! Life is good! And she usually smiles but apparently the swelling is stopping her from smiling! Lol I only know this because cheesecake always makes her smile and she didn’t! •

#DebtfreeCommunity #Wisdomteeth #Debtfreejourney #Babysteps #Cheesecake #babysteps #DebtfreeDate
  • Alma had all 4 wisdom teeth removed yesterday. She’s limited to soups and other soft foods, luckily cheesecake is soft. Took her out for soup and cheesecake at her favorite cheesecake spot. Our budget is turned upside down but we’ve got the savings to tackle the $2300 the dental 🦷 set us back like it was no big deal! Life is good and we’re just thankful! Life is good! And she usually smiles but apparently the swelling is stopping her from smiling! Lol I only know this because cheesecake always makes her smile and she didn’t! •

    #DebtfreeCommunity #Wisdomteeth #Debtfreejourney #Babysteps #Cheesecake #babysteps #DebtfreeDate
  • 134 10 1 hour ago
  • I saved this cookie for myself to celebrate the end of a successful first day in my new role. It sat in the transparent pastry bag for 9.5 hours but it’s finally cookie time. I’ve never enjoyed a cookie more in my life thinking about my new salary, my new office, new desk, flexible schedule... and in 10 days I’ll be moving into an extra dope new home (with in unit laundry and dishwasher included which is a dream come true...I hate dishes). I work my ass off and am so happy, exhausted but happy. #cookies #Tea #Victory #Boss #BossBabe #debtfreejourney #debtfreecommunity #FinancialFreedom
  • I saved this cookie for myself to celebrate the end of a successful first day in my new role. It sat in the transparent pastry bag for 9.5 hours but it’s finally cookie time. I’ve never enjoyed a cookie more in my life thinking about my new salary, my new office, new desk, flexible schedule... and in 10 days I’ll be moving into an extra dope new home (with in unit laundry and dishwasher included which is a dream come true...I hate dishes). I work my ass off and am so happy, exhausted but happy. #cookies #Tea #Victory #Boss #BossBabe #debtfreejourney #debtfreecommunity #FinancialFreedom
  • 24 3 1 hour ago
  • My husband and I went toxin free about two years ago. Toxin free items are generally pricey. I stumbled upon Young Living and are loving their products. Everything is concentrated so it lasts longer. 😍
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Around $16 for a 12 oz bottle (with tax and a portion of my shipping). I split one bottle into four (3 oz each), add 1 tsp of Baking Soda (for the suds), fill the rest (slowly) with the hottest water my tap can create, and shake. 😊 The last time I did this it last me six months. 😍
  • My husband and I went toxin free about two years ago. Toxin free items are generally pricey. I stumbled upon Young Living and are loving their products. Everything is concentrated so it lasts longer. 😍
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    Around $16 for a 12 oz bottle (with tax and a portion of my shipping). I split one bottle into four (3 oz each), add 1 tsp of Baking Soda (for the suds), fill the rest (slowly) with the hottest water my tap can create, and shake. 😊 The last time I did this it last me six months. 😍
  • 17 1 1 hour ago
  • Thank you all for your celebration and encouragement for our promotion and moving news!! It means so much to have voices cheering us on!!
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Here’s the next reality check: Moving costs money!
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I did a tentative budget for moving that came to $1,700. We have a few months to save this, hopefully through August. This doesn’t include our deposit either, because it’s TBD.
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Strategy 1 is to go through our place and start to sell stuff like crazy. Anything we make goes to the moving fund!
Strategy 2 is other side hustle income.
Strategy 3 is working in a sinking fund, maybe $20 of every paycheck?
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All this, and we’re still hoping to maintain $2k to debt each month.
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HERE WE GO!!!
  • Thank you all for your celebration and encouragement for our promotion and moving news!! It means so much to have voices cheering us on!!
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    Here’s the next reality check: Moving costs money!
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    I did a tentative budget for moving that came to $1,700. We have a few months to save this, hopefully through August. This doesn’t include our deposit either, because it’s TBD.
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    Strategy 1 is to go through our place and start to sell stuff like crazy. Anything we make goes to the moving fund!
    Strategy 2 is other side hustle income.
    Strategy 3 is working in a sinking fund, maybe $20 of every paycheck?
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    All this, and we’re still hoping to maintain $2k to debt each month.
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    HERE WE GO!!!
  • 15 3 1 hour ago
  • The road to becoming debt free can be a challenging one, but it can be done! 
Keep working towards your goals, and  don’t overextend on unnecessary things. Financial habits can be hard to break, meeting with a financial professional can help get a plan for you and hold you accountable!
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And yes, there are some good types of debt .
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. •Email Jacob.meskin@nm.com
• Follow @jacob_meskin
✣ Website: jacobmeskin.nm.com
☾ Facebook: JacobMeskin . .
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  • The road to becoming debt free can be a challenging one, but it can be done!
    Keep working towards your goals, and don’t overextend on unnecessary things. Financial habits can be hard to break, meeting with a financial professional can help get a plan for you and hold you accountable!
    .
    .
    And yes, there are some good types of debt .
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    .
    . •Email Jacob.meskin@nm.com
    • Follow @jacob_meskin
    ✣ Website: jacobmeskin.nm.com
    ☾ Facebook: JacobMeskin . .
    .
  • 24 1 1 hour ago
  • A good Credit history plays a crucial role in your financial life. It is important for obtaining a loan, a credit card, telephone service, renting a car, renting an apartment, and buying a house. Many employers even require it for getting a job. In short, it is essential for a lot of things. Start building your credit score today! Don’t wait.
  • A good Credit history plays a crucial role in your financial life. It is important for obtaining a loan, a credit card, telephone service, renting a car, renting an apartment, and buying a house. Many employers even require it for getting a job. In short, it is essential for a lot of things. Start building your credit score today! Don’t wait.
  • 7 1 1 hour ago
  • We’re in a 3-part series of Getting Money Right on managing your money in relationships. On this third and last episode, we’ll share some keys to having long-term financial success in your life and marriage. ow.ly/DISJ30juYaD
  • We’re in a 3-part series of Getting Money Right on managing your money in relationships. On this third and last episode, we’ll share some keys to having long-term financial success in your life and marriage. ow.ly/DISJ30juYaD
  • 15 3 13 hours ago