For those that didn’t see my story, we paid off another credit card!!!!! 🎉🎉🎉🎉🎉
Now only one cc left. We started with 6! I’m sooooooo excited!
2,2669411 February, 2019
Here's a quick breakdown of what it took for us to become debt free. You might be wondering what we're planning to do next...
Head over to our blog and check out our post on what our plans are for the future! (Link in bio)
Thank you all for your kind words and support after our announcement. We love you all more than you know! We're still amazed at how much our IG fam has grown this year. 🤗💙
Checking stuff off the list really does help so much mentally. Especially this time of year when we would usually use any extra money we had to just buy more crap. The crazy thing is it’s been sitting unused in our drawer for months, but a few weeks ago somehow that card was used fraudulently online for $2000 😳 Thankfully the sale didn’t go through (limit is $800) but stillllllllll. Anyway, my takeaway? ...Less cards, less chances for someone to steal from you. Our next goal is to pay off another card by January that’s just like this that has an $800 balance. I’ll be ramping up selling some things on eBay to make sure that happens!!
1,055307 December, 2018
Hello #dfc ! My wcw goes out to this lady here. My parents were hardcore frugal! They literally had #cashenvelopes before I even knew what that was. My dad would give my mom grocery money every week and she would save all her nickels and dimes left over. I was the only daughter of 5, so of course I’m the princess. One day, she saved enough money to buy me a doll at Kmart. She told me to tell my dad I got it from my teacher. Of course, he didn’t believe her. He played bad cop and threw the doll and made her return it (we just didn’t have the luxury to get toys Willy nilly). I remember that day. She drove me back to Kmart and cried all the way there. She cried all the way back home. My mom wanted to give me the world when she couldn’t. She’s pulled so much weight for her family. She worked 7 days a week to pay off mortgage and 2 cars when my dad was laid off for 2 years when I was in elementary. She never made my dad feel less than. She kept her head down and did what she could for her family. It makes me want to succeed so I can give her the world. I pray to be as loving as she is as a mother, a wife, and a genuinely good person. #girlsruntheworld
Edit: I know this was a post to honor my mom, but I wanted to clear some things up about my dad bc Instagram thinks I abused my response button and won’t let me respond anymore lol. The reason he didn’t let us keep the doll is bc he was making $10 an hour as a janitor. (I’ve written about him in an earlier post if you want to read it). He also has 5 kids so it’s not fair if I got something and my broskis didn’t! He ALSO has family back in Vietnam (parents and siblings) that he would send (and still does) money to every 3 months. No I don’t resent my dad. He believed in saving for a greater cause. So although my mom saved for my doll, he didn’t believe in buying things that won’t be needed in a few years. Thanks to his strict budgeting, he made life a lot easier for us. He bought all of us brand new cars when we learned to drive and paid for our insurances up until we found “adult jobs” just wanted to clear the air lol
Y’all.... This $1,334 balance is the only thing standing between me and credit card debt freedom! I’m ecstatic!!! I haven felt this free in a looooong time lol 😆 I should be able to knock this balance out next paycheck then it’s onto paying off student loans and my car. PS. Am I the only one that likes nice round numbers??? I feel more accomplished when my balances show no cents 🤷🏽♀️🤦🏽♀️ 😂
1,4859627 January, 2019
Over the past 12 hours, I've been waiting for my insurance company to autodraft my monthly payment. Things got thrown off because the payment date was on the weekend. Plus, I’m 13 hours ahead of EST.
When I got the "External Withdrawal Notice" from @capitalone a few hours ago, the weight lifted off my shoulders. I'm literally super excited to see payments clear. It brings me closer to my goals. My, how things have changed since the beginning of my journey! There's such a mindset shift, a maturation.
Can you relate? How have you changed since the beginning of your journey?
BTW, I’m not saying everyone that’s new to the journey is like the person on the left. The graphic is mostly autobiographical.
I know this can be a controversial topic in the #debtfreecommunity , but today I closed both my HSBC MasterCard credit card and my American Express credit cards. Both of these cards were opened in 2018 as I used them for balance transfers on my debt free journey. Both have been sitting at a $0 balance for a few months now, so it was time to close up shop.
Why is this controversial you may wonder? Closing credit card accounts can affect your credit score. Last year when I closed my Chase Freedom card, my credit dipped by 50 pts...for about two months. I’m more than aware that this could happen again.
But to me, I want to feel the freedom of not relying on, nor having the temptation to use, credit. This debt free journey is about changing behaviors, and that’s what I’m doing when I close these accounts. I’m learning to depend on and manage the money I ACTUALLY have, rather than depend on money that isn’t mine.
43443 minutes ago
Next month our debt will break into the $50,000s and I could not be more excited! I know we still have a long way to go on this journey, but being one step closer is worth celebrating. I’m looking for budget friendly celebration ideas. How have you celebrated your milestones?! These little celebrations keep me going on this debt free trek. #celebratethelittlethings
10157 minutes ago
My plan was to post this yesterday but work has been so busy this week 🙈
This week was pay week for both of us, so as always, here is our pay day breakdown!
• no credit card carry over this week! Wooo! As you likely know, we use credit cards pretty much exclusively (cash just did not work for us). We do not carry balances and have never paid interest. Sometimes on pay day, we end up paying off spending from the previous week - this is more common on weeks when we make irregular purchases (cat food, for example) or when we go over in areas (like gas). That said, we are always at zero at the end of the month.
• student loan payment is a bit lower this month. There is a reason for that, which I will write more about later ☺️ basically we just made a little bit of a change to our payoff timeline. More to come on that! • allowances are a little higher. Trying something with the new pay schedule. Again, will report back soon.
• emergency savings are back to $5k 😎
And that's a wrap! Did you get paid this week? .
911 hour ago
Overall happy with this progress as I had unexpected expenses in March and went over groceries and ate out. After the last payment clears on Tuesday I'll do a Q1 post with stats!
801 hour ago
I was talking with my close friend about how I’m knocking out my credit cards and will start aggressively paying back student loans in a few months. She was happy for me but when I told her that I attribute it to keeping a strict budget, she said “I don’t have the time or patience to budget.” This threw me off because to me, the few hours that I spend budgeting each month is going to save me years of paying off debts. So I said “I don’t have the time or patience to still be paying off debt in 20 years.” And she laughed...I don’t think she realizes that it’ll probably take her that long to pay back her student loans if she keeps paying the minimum, but that’s a conversation for another day. I’ll start with convincing her to make a simple budget first✌🏽
🚨Long Island, NY and surrounding areas!!! Join me today, Saturday, March 23 at 3pm for some Financial learning & Fun!! .
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.🚨All Guests are Free!! So come on out!! Partake in a Gift raffle 🎁 at the end of the Seminar!! RSVP at 718.208.6651 now, as seats are limited!! You don’t want to miss this!! See you there!! .
— does anyone else feel like they say this more now since starting their #debtfreejourney ? •
Tonight, for instance, we went to the park to meet with some family in town and it ended up being later than normal and it was past dinner time! We wanted to just run and grab something quick to eat and go home, but we knew that we budgeted for 2 times eating out this month and our second one is tomorrow for our sons bday! #decisions
Is it worth it to say no to these things... absolutely. Does it stink sometimes.... absolutely. Do you want to give in sometimes... for sure.. When you think about everything you will gain in the end, it will be worth it! •
Anyone else? LOL 😐 hoping to retire in my 40s though.
701813 hours ago
Reposting because I never want to forget where we came from.
I usually try to post a lot of positive, (hopefully!) inspiring and empowering content because I never want to go back to thinking the way I use to, but sometimes it is helpful to look back and see how far we have come.
So, if you are new to following us, this was our old 'Normal'. $72,938.60 of stupid (All paid off in 22 months). In February 2015 when I we had our "Sick & Tired of being sick and tired" moment, I sat down and added up our numbers.
I though we were about $50,000 in debt ... we were actually $73,000.
We had: •
$15,265 remaining on a previous attempted to become #debtfree (a $50k debt Consolidation Loan of car loans, credit cards & other previous debt consolidation loans)
$6,625 in zero interest Store Credit (laptops, bed, lawn mover, other things we "needed" but clearly couldn't afford!)
$25,791 in two salary sacrificed, notaved lease cars
$25,235 in Credit Card debt ... on a single card! (Look shocked, look very shocked, now factor in an interest rate of 24% 😱) ~
All tallied up ~ a grand total of $72,938.60 ~
BUT!! That is our past. Our future is being lit by a different light.
We have a Fully Funded Emergency Fund in the bank.
We've paid cash for our 4x4 and our camper trailer.
We've travelled OS (without a credit card!) We East Coast Lapped Australia (the rest is yet to come!) And now we're saving to buy a house WITH CASH!! Crazy right?! And we didn't have to rob a bank, invest in Bitcoin or join a pyramid scheme!
We just did jaw-droppingly basic steps like: 💰 budgeting,
💰 Meal Planning & cutting back on our groceries,
💰 plugging all the leaks in our budget,
💰 selling a tonne of our crap (and some big stuff) and 💰 getting a side gig 😲
Yeah, I know. We didn't believe it could be that "easy" either!! But these steps actually work. We're walking proof!
When I make my last debt payment, I’ll probably celebrate like this woman is. 😂✌🏽🎈🍾
92215 hours ago
I feel completely drained today. I even left work early and came home and immediately passed out. I did manage to stop and get $24 worth of small grocery items which will hopefully get me through the next week. I have a lot of my meals covered by work which is good but not the healthiest. Sometimes life is exhausting. This process is definitely exhausting. One day at a time we chug on! #livelikenooneelse#debtfreecommunity#debtfreejourney#debtpayoff#studentloans
53416 hours ago
I would consider myself very frugal and thrifty. But I’m also a total BRAND SNOB! I always have been. Hear me out.
I prefer on brand items (on food, clothing, household, etc). Not always, but usually. (Of course if something is off brand and totally amazing I’ll use it)...
I believe in “quality over quantity”.
👗For example, I have a small wardrobe. But what I do have is great quality, lasts forever... and is usually a brand name. (I’m talking Gap, not Gucci).
🍪It’s the same with food. I buy Tollhouse chocolate chips instead of the store brand because I think they taste better, and if I’m going to make and eat cookies I want them to be dang good instead of so-so. When I love the food we have and it’s good quality I’m satisfied with it and prevent that feeling of needing more or better.
🏡It’s the same with household items. When I want something nice and I can’t quite pull off the price, I buy used! I’ve purchased many name brand products this way throughout the years. My new Ergo Baby Carrier was purchased used on Facebook Marketplace, I bought my Blendtec blender on eBay, my favorites Toms slip ons I got from Poshmark.
I wanted to share this because I have a very modest clothing and household budget, and if you’ve seen any of my food posts you’ll know I have a modest food budget too ($400/mo for my family of 5). But I rarely sacrifice quality. It’s how I like to do it!
So what’s the point? The point is that it is totally possible to be thrifty and frugal if you’re a brand snob! Here are my tricks:
1️⃣ Have a budget to give you some limits
2️⃣ Shop sales
3️⃣ Shop gently used (Poshmark, eBay, Facebook Marketplace, thrift stores) before buying new
4️⃣ Quality over quantity, stop buying “fluff” items to satisfy your shopping bug and stick to the awesome stuff you really want
5️⃣ Be patient and wait til you can afford what you really want
Yo. It’s sunny. It’s Friday. we leave tomorrow to visit our amazing friends in Fort Lauderdale & then we are cruise bound until Friday- which also happens to be Brian’s & my 5th anniversary 🚢. So I’m loving life right now, but here’s my very important question...
What’s the ONE THING to not forget to pack on a vacation? And yes, we have our passports 😆
49818 hours ago
How many of you have money stress???
I feel it DAILY. Thankfully it's not the will I be denied because there isn't enough money in my account!? But to be honest I was there for a second before.
It makes us uncomfortable or cringe when people talk about money, but the more I listen to the conversations around me the more unsettled and disheartening the realization of the lack of education there is about controlling our money.
So many of us are feel its NORMAL and completely okay to be in debt.... To spend money we don't actually have...and to have loans collecting more debt all while buying and spending on things that ARE NOT needs versus saving and paying.
It's easy to live with instant gratification and allow ourselves to focus on the now rather than the years or even days where something happens.... And we suddenly don't have the means to support ourselves or our situation because not only do we not have money saved but we have payments we due for money we owe.
Budgeting hasn't been the easiest but it's worth it because by the end of 2019 I'll be able to say every dollar in my account is MINE.
So for now it'll feel like I'm being controlled by my debt for the sacrifices I have to make in order to gain control, but that is MY choice. Make yours before you don't have one anymore.
Jog-a-thon awards ceremony! Both kids were the highest fundraisers in their class and got one free week of tuition next month! That’s over $300 in savings for me! #frugalwin
24219 hours ago
I’m not the type of person who will be friends with my coworkers. I’ll be nice and polite, but things can get complicated when you bring your personal life into the workplace. Well today, I ended up having a deep conversation with my coworker about our dreams, goals, finances, and side hustles and he ended up giving me an idea for a side hustle. Even though I’ve only known him for a month, he was so happy to see how excited I got about the idea and then said “I can’t wait to see you walk in your purpose.” I’ll break my “no office friends” rule for him because that’s the kind of positivity that I need around me all the time.
As of Oct. 2018, I have been credit card debt free and I told myself I would never go into credit card debt again. I’m currently purging a lot of items from my closet for room and extra money to toss towards debt, savings, or unexpected expenses. I’m at the point where I tell myself I’ll use the item eventually and if a week or two goes by without use, I’ll list it on Poshmark. The first purse is my Burberry which was my first real, yet impulsive, luxury purchase in the summer of 2017. My second purse, which I will never consider selling due to how much it means to me, is my medium Givenchy Antigona purse. I bought this in winter of 2017. Both were purchased with credit. I think of my Burberry as a back up whenever I want to put my Givenchy away for a while to avoid it from getting too much wear. Not in a way where I barely take it out, but just to give it a break in a sense. The reason I purchased my Givenchy was because of its superb quality and space to put whatever I need; I want to make sure I treat it as such so that it lasts me for years to come. This is the reason I am weary of selling my Burberry. After this, I have sold all of my purses. The others weren’t as high end and I only made a couple hundred in total from selling them. I feel that the act of selling the purse will be the step that seals the deal in making sure that I only purchase purses that I absolutely love after some VERY thorough consideration. It took me over a year to “purchase” my Givenchy after countless online reviews. This is how I will approach all of my CASH ONLY luxury purchases from now on. It will force me to be even more considerate of my purchase. At one point, I adored my Burberry so much. I think I could easily get at LEAST $1k for it though. I’m nervous about whether or not my mom will notice because she bought me the matching wallet, that I still currently use, as an early birthday gift. I don’t care what people have to say about my decisions, but I live with her, so her comments are unavoidable. She doesn’t know I’m going this hard with my desire to be debt free. It’s hard to talk about debt freedom with anyone in my life. What do you guys think?
561721 hours ago
You know what’s budget friendly?! Staying home and catching up on This Is Us!
68421 hours ago
Remembering that time I was on The Dave Ramsey show 😱🎉☺️
Back when we first became debt free and I naively assumed that we would get pregnant the moment we decided we were ready to have children 🙄🤦🏻♀️
My question was whether we should keep up our gazelle intensity and pay off the house or if we should save up a fund to supplement me staying home with children. Dave’s astute answer was that we shouldn’t need a “fund” to supplement me staying home, we need to adjust the budget/lifestyle to live off my husband’s income. Not sure why I didn’t think of it myself but I’m glad to have gotten that advice. We quickly adjusted our lifestyle to work for one income and I’m thankful we did because it turned out that a year later I would be thankful for the freedom to leave my job even though children haven’t entered the picture.
If you’re interested in watching the YouTube video - look up the Dave Ramsey Show 4/14/17 at 22:50 ☺️ note: I was super nervous 😂
95622 hours ago
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148223 hours ago
I CAN DO THIS.
YOU CAN DO THIS.
WE CAN DO THIS!!! 🎉🤩🎉🤩🎉
Have a wonderful Friday! ☀️
We been on our journey 81 days. We have paid off 3 credits cards. Every week I get better at budgeting and saying no. Some weeks are harder than others, especially when it comes to meal planning but we are still here. We are still making changes for a better future!
In the next 45 days, your life could change!! These are facts!! Are you ready? Don’t be amongst the 63 million that has a credit score under 720. Let’s start working today to change bad behavior, increase credit scores, and lower debt! I’m available to make change happen to you. #creditrepair#credit#creditgem#fesagent#finance#debtpayoff#change#fico
I am once again on the search for an apartment, ugh. I signed a short term lease (through May) and signed sight unseen 😳. I have the option to renew for another year but that’s out of the question. The place turned out to be ummmm let’s just say less than desirable. My roommate is nice but the place is a filthy mess. Its also old and falling apart and there are bugs everywhere and I can’t deal with it. I’m trying to upgrade to a $700-$800 a month place to get something that doesn’t need to be condemned.
It’s tough this time of year because there isn’t a lot for rent but I’m hoping things will open up during the summer. I may have to stay with my parents for a few months to get on the normal rent cycle but we’ll see! I just hate this process but I hate that creepy apartment more 😩 #debtfreejourney#debtpayoff#debtfreecommunity#studentloans#apartmenthunt
The journey to debt freedom is like a roller coaster ride🎢 You’ll go full speed ahead, turn a flip, and even back up in reverse. If it’s one thing I’ve learned, this equation will never lead me astray.
💪🏽Persistence- Life happens. You’ll overspend. Unexpected expenses will pop up. You may lose your job tomorrow, but you have to shake it off and keep going.
📝Strategy- You won’t get to where you want to be by luck. A plan of action is like using GPS to get to a place you’ve never been.
🧠Mindset- If you don’t truly believe that you can get out of debt then you won’t. Your thoughts and feelings have to align with your goals otherwise you won’t put in the action to get the results you want.
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We are 23.2% to our 2019 payoff goal of $40,000! We are a little behind schedule but with the wedding, school, and honeymoon I’m not surprised 😂 This was an extreme reach goal and I’m super proud of our progress!
Our wedding is a liiiiitttttleee over budget 😬 and paying for everything in cash is a priority. This means our debt payments might be smaller for a few months but that’s okay.
Whether we pay off $30k, $35k, or $40k we will celebrate our progress! It’s a marathon not a sprint and expenses come up (aka DJ is NOT cheap 😂 but she’s cute).
What is your 2019 payoff or savings reach goal?
Update: I used all my paid time off and resigned my job in order to open a psychotherapy private practice. Our income consists of Andrew’s pay for his job and the .1 represents the tiny sliver of pay he gets for reporting monthly for National Guard weekend drills. We were very close to qualifying for food stamps, but made just a little too much money (like within $100 of qualifying or something 😭). Things are real tight right now, especially with startup business expenses too. Somehow, through some kind of magical budget sorcery, I have not had to touch our massive Emergency Fund/Startup Costs Nest Egg. Somehow we’ve been making ends meet. It’s insane. As you may or may not know, our baby has a variety of serious medical issues that require a huge team of super special specialists. (Scroll back to see some pics). Though Orion is thriving these days, we’ve had some significant medical setbacks this week that are really concerning to our team. In between appointments and advocating, I have been drowning myself in coffee and hustling HARD to get this practice open. I get access to my office starting 4/1. I have four new clients booked already and a few more on deck that may or may not work out. I DO NOT WANT TO TOUCH THAT EF! Working hard over here!! 💃🏽💃🏽💪🏽💪🏽
🚨Long Island, NY and surrounding areas!!! Join me tomorrow, Saturday, March 23 at 3pm for some Financial learning & Fun!! .
. . 🏆I’m going to show you how to Level Up on your Credit & Finances, how to obtain and maintain an excellent credit score AND How to earn a substantial income by working from home!! .
. . 🚨All Guests are Free!! So come on out!! Partake in a Gift 🎁 raffle at the end of the Seminar!! RSVP at 718.208.6651 now, as seats 💺 are limited!! You don’t want to miss this!! See you there!! 😃
^ Over the past 10 years, this has been my go-to response when spending money. Credit cards’ all too alluring “buy now, pay later” concept was my siren song. And often, I’d prefer to remain enthusiastically unaware of how I’d pay anything off. Music festivals? Sure! Trips to Europe? Mmhm! $100 meals at Toro Bravo? YUP. And although I whole-heartedly don’t regret a single one of those experiences, and I’ve always managed to pay the bills on time, I am elated to move past that chapter of my life. “Ignorance is bliss” is quite possibly the worst money management tool I’ve ever used- so it’s time to cash it in for some cold, hard reality and transparency. Im welcoming 2019 as my time pay it all off with the wrath of a thousand unnecessary purchases. Thanks for the memories, Capital One and Citi, now it’s time to pay for ‘em. 🤷🏻♀️😅💸 #realtalk#debtfree#creditcards#finances#debtpayoff#accountability#debtfreecommunity#creditcarddebt#consumerdebt
41322 March, 2019
$220 minimum payment to the car loan. I'm under $10,000 on the car loan now. Before March interest has been applied.
I'm so excited. Next goal is to get our debt under $10,000 total!
I saw a couple post about people who meant well, packed up some boxes to donate, and end up driving months before they donate their clothes 😂😂😂 that used to be me too! I also would put my boxes close to my husband’s side of the bed hoping he’d get the hint but he never did.🤦🏻♀️🤦🏻♀️🤦🏻♀️ Then I learned about this! It’s so neat y’all! They come to YOU! You just pack your clothes and request a pick up. Then they drive to your house and pick it up FOR FREE! If you need to donate anything try it y’all!
771322 March, 2019
How comfortable are you in talking about yourself?
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