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  • I asked my son the same question... (っ◔◡◔)っ ♥ 👉ꜰᴏʟʟᴏᴡ @ᴍᴏᴍᴍʏꜰɪɴᴀɴᴄᴇ ꜰᴏʀ ᴍᴏʀᴇ ʙᴜᴅɢᴇᴛ ᴛɪᴘꜱ ᴀɴᴅ ꜰᴜɴɴʏ ᴍᴇᴍᴇꜱ💖

Not technically a budget post but I just had to ask my own kindergartener the same question.

He said Friday is his favorite day. I asked him why and he said there's no school. 😂😂Same. I feel the same way

We love the weekend.

What is your favorite day? 📷@diaryforgirlss | IG @donomo | Original
  • I asked my son the same question... (っ◔◡◔)っ ♥ 👉ꜰᴏʟʟᴏᴡ @ᴍᴏᴍᴍʏꜰɪɴᴀɴᴄᴇ ꜰᴏʀ ᴍᴏʀᴇ ʙᴜᴅɢᴇᴛ ᴛɪᴘꜱ ᴀɴᴅ ꜰᴜɴɴʏ ᴍᴇᴍᴇꜱ💖

    Not technically a budget post but I just had to ask my own kindergartener the same question.

    He said Friday is his favorite day. I asked him why and he said there's no school. 😂😂Same. I feel the same way

    We love the weekend.

    What is your favorite day? 📷@diaryforgirlss | IG @donomo | Original
  • 2,489 61 12 February, 2020
  • I don't want this and I WILL change this. 👉Follow @mommyfinance
for more budget tips and funny memes💖

Honestly, this is depressing. there's more to life than just this routine.

it's up to us to make the change and create the type of future we want for ourselves 💪

Let's do this! 📷@humourexplicit on IG
  • I don't want this and I WILL change this. 👉Follow @mommyfinance
    for more budget tips and funny memes💖

    Honestly, this is depressing. there's more to life than just this routine.

    it's up to us to make the change and create the type of future we want for ourselves 💪

    Let's do this! 📷@humourexplicit on IG
  • 1,187 54 9 February, 2020
  • This explains why I'm always tired...I could never relax 👪 👉Follow @mommyfinance for more budget tips and funny memes 💖

Adulting is hard and something that I'll never get the hang of. Sometimes I wish I was still living at home but then again, my parents were happy when I moved out lol.

As I got older, I now understood what my parents had to go through with 3 kids. It's exhausting, you never stop moving.

Are you adulting at the moment? 📷 @kalesalad on IG. Original @tee_babz
  • This explains why I'm always tired...I could never relax 👪 👉Follow @mommyfinance for more budget tips and funny memes 💖

    Adulting is hard and something that I'll never get the hang of. Sometimes I wish I was still living at home but then again, my parents were happy when I moved out lol.

    As I got older, I now understood what my parents had to go through with 3 kids. It's exhausting, you never stop moving.

    Are you adulting at the moment? 📷 @kalesalad on IG. Original @tee_babz
  • 2,762 137 25 January, 2020
  • I really like this quote for a Monday!
💫
Sometimes I get so caught up on the future — wanting to be debt free, having a fully funded EF, saving like crazy for retirement, paying off the mortgage early, giving more — that I forget to be thankful for where I currently am. That is why one of my #goals lately has been to think in one thing each morning I am grateful for. There was a time in life where all I wanted was to be a homeowner, and now I am one! When I wanted to be in better control of my finances, and now I am! When I wanted to be married to a loving and caring man, and now I am!
💫
This quote is so TRUE. There were times in the past I wanted the life I have now. The fact that I now have it, I’m so grateful for it. So today and more often, I want to be more present in my life and be grateful for all that I have now. I want to stop myself from always thinking 5 steps ahead and enjoy the journey as it happens! True happiness comes from within. That’s my focus for now.
#debtfreecommunity #debtfreejourney #personalfinance #positivevibes #mondaymotivation #happiness #grateful #lovelife
  • I really like this quote for a Monday!
    💫
    Sometimes I get so caught up on the future — wanting to be debt free, having a fully funded EF, saving like crazy for retirement, paying off the mortgage early, giving more — that I forget to be thankful for where I currently am. That is why one of my #goals lately has been to think in one thing each morning I am grateful for. There was a time in life where all I wanted was to be a homeowner, and now I am one! When I wanted to be in better control of my finances, and now I am! When I wanted to be married to a loving and caring man, and now I am!
    💫
    This quote is so TRUE. There were times in the past I wanted the life I have now. The fact that I now have it, I’m so grateful for it. So today and more often, I want to be more present in my life and be grateful for all that I have now. I want to stop myself from always thinking 5 steps ahead and enjoy the journey as it happens! True happiness comes from within. That’s my focus for now.
    #debtfreecommunity #debtfreejourney #personalfinance #positivevibes #mondaymotivation #happiness #grateful #lovelife
  • 2,540 41 10 February, 2020
  • Sharing this from my stories today bc of some of the reactions I got 🤣 FIRST, it looks terrible in the picture but that is in fact a heart shaped Reese’s 🤣🤣 Second, my hubs and I did not exchange a thing on Valentine’s Day. Instead, while I was running errands on Saturday the 15th, he went to Walmart and bought me a bunch of Valentine’s themed candy for 75% off! 🙌🏻 SAME candy. SAME thoughtful gesture. SAME deliciousness. Just ONE day later. And JUST LIKE THAT, he got me the candy I love at a price well within/below our budget. THAT right there is the team effort on how we live below our means and not break our budget.
💕
#debtfreecommunity #debtfreejourney #personalfinance #valentines #budgeting #budgethacks #lifehacks #marriagehacks
  • Sharing this from my stories today bc of some of the reactions I got 🤣 FIRST, it looks terrible in the picture but that is in fact a heart shaped Reese’s 🤣🤣 Second, my hubs and I did not exchange a thing on Valentine’s Day. Instead, while I was running errands on Saturday the 15th, he went to Walmart and bought me a bunch of Valentine’s themed candy for 75% off! 🙌🏻 SAME candy. SAME thoughtful gesture. SAME deliciousness. Just ONE day later. And JUST LIKE THAT, he got me the candy I love at a price well within/below our budget. THAT right there is the team effort on how we live below our means and not break our budget.
    💕
    #debtfreecommunity #debtfreejourney #personalfinance #valentines #budgeting #budgethacks #lifehacks #marriagehacks
  • 1,633 40 17 February, 2020
  • In August of 2019 I made the decision to become debt free- after fasting for 30 days I felt led to educate myself more about personal finance and financial freedom. I focused on creating a set budget for myself, increasing my income, decreasing my expenses, and truly changing my daily habits. I have paid off over 20K of debt in 6 months🙌🏾
My personal debt consisted of a car note, consolidation loan, a credit card, & student loans. It definitely wasn’t easy to become accountable for my finances but it was worth it! I am grateful that God opened my eyes to the benefits of being debt free and I am thankful my relationship with money has become healthier. I continued to tithe 10% of all I earned and God consistently opened more doors for me. I made a lot of changes towards how I deal with money and I had to consistently deny my flesh. It wasn’t easy but it is definitely one of the biggest accomplishments I’ve made.
A year ago I never even considered pursuing debt freedom. So much can happen when you set your mind towards a goal. In the next phase of my #debtfreejourney Cory & I will tackle his student loans together. I encourage you guys to never doubt yourselves, you can achieve beyond what you ever imagined🤍
  • In August of 2019 I made the decision to become debt free- after fasting for 30 days I felt led to educate myself more about personal finance and financial freedom. I focused on creating a set budget for myself, increasing my income, decreasing my expenses, and truly changing my daily habits. I have paid off over 20K of debt in 6 months🙌🏾
    My personal debt consisted of a car note, consolidation loan, a credit card, & student loans. It definitely wasn’t easy to become accountable for my finances but it was worth it! I am grateful that God opened my eyes to the benefits of being debt free and I am thankful my relationship with money has become healthier. I continued to tithe 10% of all I earned and God consistently opened more doors for me. I made a lot of changes towards how I deal with money and I had to consistently deny my flesh. It wasn’t easy but it is definitely one of the biggest accomplishments I’ve made.
    A year ago I never even considered pursuing debt freedom. So much can happen when you set your mind towards a goal. In the next phase of my #debtfreejourney Cory & I will tackle his student loans together. I encourage you guys to never doubt yourselves, you can achieve beyond what you ever imagined🤍
  • 5,870 244 11 hours ago

Latest Instagram Posts

  • Yeeeeeet
  • Yeeeeeet
  • 6 2 32 minutes 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 ❤.
  • 12 1 1 hour 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 💙
  • 10 1 1 hour ago
  • Hi I’m grace and I’ve been following the #debtfreecommunity for a couple of months and it inspired me to get back on tackling our debt and stick to a budget. 
A little bit about me, I just became a mom of a 3 month old baby boy that I will be soon miss when I come back to work this weekend.  Married happily for a year to my amazing Laotian husband . I went to school for Fashion in NYC . Love to eat out , hobbies are renovating, jewelry making anything my hands could tinker.. To start of 2020 I found this  budget planner and have been following @thebudgetmom  love her !.
How about you, how did you all started your journey?
#debtfreecommunity#debtfreejourney#debtfree#debtfreegoals #debtsnowball #debt#debtfreedom #debtfreeliving d#debtpayoff
  • Hi I’m grace and I’ve been following the #debtfreecommunity for a couple of months and it inspired me to get back on tackling our debt and stick to a budget.
    A little bit about me, I just became a mom of a 3 month old baby boy that I will be soon miss when I come back to work this weekend. Married happily for a year to my amazing Laotian husband . I went to school for Fashion in NYC . Love to eat out , hobbies are renovating, jewelry making anything my hands could tinker.. To start of 2020 I found this budget planner and have been following @thebudgetmom love her !.
    How about you, how did you all started your journey?
    #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #debtsnowball #debt #debtfreedom #debtfreeliving d #debtpayoff
  • 2 0 2 hours ago
  • I agree 😂 (っ◔◡◔)っ ♥ 𝐅𝐨𝐥𝐥𝐨𝐰 @𝐦𝐨𝐦𝐦𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐛𝐮𝐝𝐠𝐞𝐭 𝐭𝐢𝐩𝐬 𝐚𝐧𝐝 𝐟𝐮𝐧𝐧𝐲 𝐦𝐞𝐦𝐞𝐬 ♥

If rent prices are low then mortgages will be low as well.

This takes me back to a previous post on my feed when I asked you how many homes in your area could you own if you had a million dollars.

I'm curious tho🤔 how much were rent back in the 1920s.

Do you know? 📷 @the_broken_ass | IG
  • I agree 😂 (っ◔◡◔)っ ♥ 𝐅𝐨𝐥𝐥𝐨𝐰 @𝐦𝐨𝐦𝐦𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐛𝐮𝐝𝐠𝐞𝐭 𝐭𝐢𝐩𝐬 𝐚𝐧𝐝 𝐟𝐮𝐧𝐧𝐲 𝐦𝐞𝐦𝐞𝐬 ♥

    If rent prices are low then mortgages will be low as well.

    This takes me back to a previous post on my feed when I asked you how many homes in your area could you own if you had a million dollars.

    I'm curious tho🤔 how much were rent back in the 1920s.

    Do you know? 📷 @the_broken_ass | IG
  • 17 3 2 hours ago
  • I know we’re not done with February yet but I’m so happy with the progress being made so far! 1. Today my husband called and found a lower premium for our car insurance. We’ll be saving $110 a month from now on just from a simple phone call to find better options! 2. Surprisingly we also got some tax refund money that I’ll put towards a personal loan that has been KILLING ME since I got it. Once I pay it off (mid-March🥳🥳🥳) it’ll free up $762 for me to pay off my credit cards much faster!! 3. I’ve been diligent in using a 52 week savings chart and kept up with it since January. Last year when I tried this I didn’t get past 3 weeks. A tip: most charts out there are for a $1,000 savings for the year. By adding a zero to every number you total your savings challenge to $10,000! I can show you the chart I use if interested. And 4. I’ve been getting good feedback from directors and others on my progress in my new role. Imposter syndrome is real for me so this has definitely been a confidence boost! All of this progress in such a little time has definitely motivated me to keep going! It has also shown me that you can make huge strides in such little time. The days, weeks, and months pass by anyway; might as well do something to help yourself in that time! #debtfreejourney #debtsnowball
  • I know we’re not done with February yet but I’m so happy with the progress being made so far! 1. Today my husband called and found a lower premium for our car insurance. We’ll be saving $110 a month from now on just from a simple phone call to find better options! 2. Surprisingly we also got some tax refund money that I’ll put towards a personal loan that has been KILLING ME since I got it. Once I pay it off (mid-March🥳🥳🥳) it’ll free up $762 for me to pay off my credit cards much faster!! 3. I’ve been diligent in using a 52 week savings chart and kept up with it since January. Last year when I tried this I didn’t get past 3 weeks. A tip: most charts out there are for a $1,000 savings for the year. By adding a zero to every number you total your savings challenge to $10,000! I can show you the chart I use if interested. And 4. I’ve been getting good feedback from directors and others on my progress in my new role. Imposter syndrome is real for me so this has definitely been a confidence boost! All of this progress in such a little time has definitely motivated me to keep going! It has also shown me that you can make huge strides in such little time. The days, weeks, and months pass by anyway; might as well do something to help yourself in that time! #debtfreejourney #debtsnowball
  • 17 3 3 hours ago
  • The #blockchain spinner today spins the financials.

That's what I observed. That #character is also manifested in how one handles their #finances 
Do you agree with my observations? 
Let me know in the comments below.

And please support this page (👉 @jsbiko ) by liking, sharing and following 😍

Follow 👉@jsbiko
Follow 👉@jsbiko
Follow 👉@jsbiko
  • The #blockchain spinner today spins the financials.

    That's what I observed. That #character is also manifested in how one handles their #finances
    Do you agree with my observations?
    Let me know in the comments below.

    And please support this page (👉 @jsbiko ) by liking, sharing and following 😍

    Follow 👉@jsbiko
    Follow 👉@jsbiko
    Follow 👉@jsbiko
  • 271 13 5 hours ago
  • Check out this post about how to create a zero based budget.

https://pin.it/zyRbjPg
  • Check out this post about how to create a zero based budget.

    https://pin.it/zyRbjPg
  • 8 1 5 hours ago
  • Ahhh FPU! Dave asking you to do crazy things. We went to our class last night and part of the lesson is to cut up your credit cards. 😱 I gasped. Some people actually did it in class. HOLY COW. I needed to think and process. We have 6 credit cards. Four of them are paid off. Cutting up and CLOSING a credit card account pained me. My wheels turned- I’d be losing the discounts! I’m in baby step 2, what if an extreme emergency happened? My credit score is going to plummet! I felt panicked. Then I took a deep breath and slept on it. This morning I dissected the reality of closing my credit accounts. What would I be gaining? No temptation. I’d spend less. I haven’t bought anything from Victoria’s Secret in over a year. I had my F*ck it moment and decided I don’t want to be Dave-ish. I want out of debt. I want to be at baby step 7. A tiny plastic card represented SO MUCH and it was all materialistic. I chose 3 cards to chop and called each company to CLOSE my account. First one was easy- @victoriassecret WELL I called to close the account and got hung up on. I was angry. SERIOUSLY?!? I called back and didn’t tell the automated system that I wanted to close my account and magically I reached an operator. I asked for a letter for verification that I closed my account and they “emailed” it to me and I have yet to receive it. You know I’ll be calling back tomorrow. The second- Capital One. My oldest credit history. EEEK! My credit score. 😭 I took a deep breath and called. It was the easiest card to close. I actually thanked the girl for not giving me a hard time. She mailed me the confirmation as requested. The last one was Kohl’s. Heavy sigh. I love Kohls more than I should. The operator gave me her speech about how I can never have a credit card again from kohl’s. I SO WANTED TO BACK OUT! I didn’t. After she closed the account and also mailed me confirmation, she then said if I wanted to open it again, I can. 😐 This process was emotional. I immediately told my husband and he said he was proud of me. We are in this together. We are left with 3. One of them has our NOLA trip booked on it and the other two have a balance. I’m praying we have the courage to cut those up.
  • Ahhh FPU! Dave asking you to do crazy things. We went to our class last night and part of the lesson is to cut up your credit cards. 😱 I gasped. Some people actually did it in class. HOLY COW. I needed to think and process. We have 6 credit cards. Four of them are paid off. Cutting up and CLOSING a credit card account pained me. My wheels turned- I’d be losing the discounts! I’m in baby step 2, what if an extreme emergency happened? My credit score is going to plummet! I felt panicked. Then I took a deep breath and slept on it. This morning I dissected the reality of closing my credit accounts. What would I be gaining? No temptation. I’d spend less. I haven’t bought anything from Victoria’s Secret in over a year. I had my F*ck it moment and decided I don’t want to be Dave-ish. I want out of debt. I want to be at baby step 7. A tiny plastic card represented SO MUCH and it was all materialistic. I chose 3 cards to chop and called each company to CLOSE my account. First one was easy- @victoriassecret WELL I called to close the account and got hung up on. I was angry. SERIOUSLY?!? I called back and didn’t tell the automated system that I wanted to close my account and magically I reached an operator. I asked for a letter for verification that I closed my account and they “emailed” it to me and I have yet to receive it. You know I’ll be calling back tomorrow. The second- Capital One. My oldest credit history. EEEK! My credit score. 😭 I took a deep breath and called. It was the easiest card to close. I actually thanked the girl for not giving me a hard time. She mailed me the confirmation as requested. The last one was Kohl’s. Heavy sigh. I love Kohls more than I should. The operator gave me her speech about how I can never have a credit card again from kohl’s. I SO WANTED TO BACK OUT! I didn’t. After she closed the account and also mailed me confirmation, she then said if I wanted to open it again, I can. 😐 This process was emotional. I immediately told my husband and he said he was proud of me. We are in this together. We are left with 3. One of them has our NOLA trip booked on it and the other two have a balance. I’m praying we have the courage to cut those up.
  • 45 12 5 hours ago
  • Goal: Financial/Debt Free
.
I start working with my employer right before the economic recession hit. During my first few months, I was told that annual raises usually ranged between 0.5% - 3.0%, depending on your job performance the HR raise matrix tool the managers filled out.
.
When the company finally felt the recession pains, we were told the company would only grant up to 2.0% raises, with only a few of the truly exceptional employees earning 2.5%. Thankfully, I earned the 2.0% raise each year until the company was able to pull through the recession. After that, I consistently earned the max 2.5% raise each year.
.
When the company announced employee layoffs last November (2019), I wondered how it would effect raises this year. Having experienced my company’s financial struggles before, I suspected that the max would be capped at 2.0%, and I would be lucky if I qualified for the 1.5%. This wasn’t a dig at myself or anything, I was just trying to be realistic.
.
With all this in mind, I met with my boss today to discuss my annual merit increase. Heaven is looking out for me because I qualified for the max, 2.5% raise! Woohoo!#
.
I am so grateful that I have developed patience and persistence through this whole debt free journey. It sure hasn’t been all that easy, but each little win keeps me motivated to keep going. Having a plan gives me a sense of peace and confidence I never knew I could have. I don’t love all the financial mistakes I made over the last decade, but I know that I wasn’t ready for any of this back then. I had to fall so I could learn how to get back up on my own. And I am grateful for the strength I’ve gained in the process.
.
#theeverevolvingme83 #goalsetting
#gottastartsomewhere #trackingresults
#progress #learningalongtheway
#debtfree #debtfreejourney #totalmoneymakeover #babystep2 #debtsnowball #debtfreecommunity #payingoffcreditcards #patience
#debtfreebySeptember2020 
#proudofmyself #hardworkpaysoff 
#payraise
  • Goal: Financial/Debt Free
    .
    I start working with my employer right before the economic recession hit. During my first few months, I was told that annual raises usually ranged between 0.5% - 3.0%, depending on your job performance the HR raise matrix tool the managers filled out.
    .
    When the company finally felt the recession pains, we were told the company would only grant up to 2.0% raises, with only a few of the truly exceptional employees earning 2.5%. Thankfully, I earned the 2.0% raise each year until the company was able to pull through the recession. After that, I consistently earned the max 2.5% raise each year.
    .
    When the company announced employee layoffs last November (2019), I wondered how it would effect raises this year. Having experienced my company’s financial struggles before, I suspected that the max would be capped at 2.0%, and I would be lucky if I qualified for the 1.5%. This wasn’t a dig at myself or anything, I was just trying to be realistic.
    .
    With all this in mind, I met with my boss today to discuss my annual merit increase. Heaven is looking out for me because I qualified for the max, 2.5% raise! Woohoo!#
    .
    I am so grateful that I have developed patience and persistence through this whole debt free journey. It sure hasn’t been all that easy, but each little win keeps me motivated to keep going. Having a plan gives me a sense of peace and confidence I never knew I could have. I don’t love all the financial mistakes I made over the last decade, but I know that I wasn’t ready for any of this back then. I had to fall so I could learn how to get back up on my own. And I am grateful for the strength I’ve gained in the process.
    .
    #theeverevolvingme83 #goalsetting
    #gottastartsomewhere #trackingresults
    #progress #learningalongtheway
    #debtfree #debtfreejourney #totalmoneymakeover #babystep2 #debtsnowball #debtfreecommunity #payingoffcreditcards #patience
    #debtfreebySeptember2020
    #proudofmyself #hardworkpaysoff
    #payraise
  • 2 0 5 hours ago
  • This is our calling!

Work hard.
Be intentional.
Be patient.
Sacrifice. 
Draw nigh to your Father in Heaven & Wait to see His fruit pour forth!

This is not a prosperity gospel.. it is a proven formula. 
IF..... you do the work of seeking God in truth & prayer, working honestly and diligently in your life.🦌 THEN.... you will see fruit of the spiritual and physical seeds you have sown and of the labor of diligence.🙏💛
#theFaithfulGazelle #debtfreecommunity #daveramsey
  • This is our calling!

    Work hard.
    Be intentional.
    Be patient.
    Sacrifice.
    Draw nigh to your Father in Heaven & Wait to see His fruit pour forth!

    This is not a prosperity gospel.. it is a proven formula.
    IF..... you do the work of seeking God in truth & prayer, working honestly and diligently in your life.🦌 THEN.... you will see fruit of the spiritual and physical seeds you have sown and of the labor of diligence.🙏💛
    #theFaithfulGazelle #debtfreecommunity #daveramsey
  • 11 1 6 hours ago
  • Yesterday I was SUPER excited to make this post about using sinking funds. We have been putting $100 aside for car upkeep each month. We spent so much in repairs last year ( I think I actually made a post about it), I wanted to prepared again. 🚗
So, the plan was to save enough to cover oil changes and any minor car needs. The hope was to have enough left at end of year that we could install a backup camera and new stereo in my husbands car. Well, that plan backfired. 🚗
Instead, a simple $45 oil change turned into a $600 repair bill. Apparently the last time I took it for work at this other place, they damaged the transmission drainage plug. So the dealership had to fix it. 🚗
We had $200 in our car upkeep fund and I was super bummed that we had to pay to fix super poor work. But, the guy was super nice and applied some coupons and brought our bill down to $480. When we got there, we had more coupons and asked if they would stack them. They did! 🚗
So we ended up paying $368 for all the work!! We emptied out our car upkeep sinking fund and paid the rest with our checking account. 🚗
Sinking funds work. They take emergencies and turn them into annoying inconveniences. Now our car upkeep fund is depleted and we need to restock it!
🚗
Have you had to use your sinking funds yet? Leave a comment below.
🚗
#sinkingfunds #savings #moneygoals #budgetgoals #debtfree #debtfreejourney #debtfreecommunity #livingonabudget #stickingtoabudget #livingfrugal #frugalliving #cash #daveramsey #debtsnowball #savemoney #debtfreeliving #budget #easybudget #cashenvelopes #budgetlife #financialindependence #personalfinance #emergencyfund #moneywins
  • Yesterday I was SUPER excited to make this post about using sinking funds. We have been putting $100 aside for car upkeep each month. We spent so much in repairs last year ( I think I actually made a post about it), I wanted to prepared again. 🚗
    So, the plan was to save enough to cover oil changes and any minor car needs. The hope was to have enough left at end of year that we could install a backup camera and new stereo in my husbands car. Well, that plan backfired. 🚗
    Instead, a simple $45 oil change turned into a $600 repair bill. Apparently the last time I took it for work at this other place, they damaged the transmission drainage plug. So the dealership had to fix it. 🚗
    We had $200 in our car upkeep fund and I was super bummed that we had to pay to fix super poor work. But, the guy was super nice and applied some coupons and brought our bill down to $480. When we got there, we had more coupons and asked if they would stack them. They did! 🚗
    So we ended up paying $368 for all the work!! We emptied out our car upkeep sinking fund and paid the rest with our checking account. 🚗
    Sinking funds work. They take emergencies and turn them into annoying inconveniences. Now our car upkeep fund is depleted and we need to restock it!
    🚗
    Have you had to use your sinking funds yet? Leave a comment below.
    🚗
    #sinkingfunds #savings #moneygoals #budgetgoals #debtfree #debtfreejourney #debtfreecommunity #livingonabudget #stickingtoabudget #livingfrugal #frugalliving #cash #daveramsey #debtsnowball #savemoney #debtfreeliving #budget #easybudget #cashenvelopes #budgetlife #financialindependence #personalfinance #emergencyfund #moneywins
  • 18 0 6 hours ago
  • Working towards life after debt? Use this checklist to keep an eye on all debts. I'll do a version soon with % total. Stay tuned!
#debtfreetrackers #debtsnowball 
https://ready2budget.com/2020/02/20/debt-payoff-checklist/
  • Working towards life after debt? Use this checklist to keep an eye on all debts. I'll do a version soon with % total. Stay tuned!
    #debtfreetrackers #debtsnowball
    https://ready2budget.com/2020/02/20/debt-payoff-checklist/
  • 1 0 6 hours ago
  • "Once you choose hope, anything is possible.”-Christopher Reeves⁣
⁣
Although it’s quite vulnerable to put our story out there; we have chosen to do so because we want it to inspire hope.  No matter where you are in your finances right now, no matter how much you make, or how little you may know about finances, or even how much debt you may have, the bottom line is that you can become financially free despite all of these things.⁣
⁣
We weren’t given money to pay off our debt, we worked hard to pay off every penny of our debt. ($266,329.01 to be exact). You can do this too! Let’s talk about a couple of things that hold people back:⁣
⁣
“I feel overwhelmed and don’t know where to start”⁣
We felt the same, we were a bit scattered at first, and it took a solid 6 months to get the swing of managing our money responsibly.  Remember that it doesn’t matter if you have it perfect, as long as you start and commit to figuring it out as you go.  If you want a free, easy way to start, I created a free “Healthy Finances” mini-bootcamp to get you started that you can sign up for on the link in my profile.⁣
⁣
“I have kids, I want to enjoy them, and my life.”⁣
I hear you, and I understand.  Our current debt-free journey now is completely different than what we did 6 years ago.  The answer is that there is no right answer.  The best plan is the one that you will actually commit to, so whether it’s slow and steady, or a high-intensity journey, it’s yours to choose and sustain. ⁣
⁣
“I don’t want to give up my Starbucks”⁣
That makes 2 of us.  I strongly believe that as long as you are saving regularly, and being responsible with your finances, you should be able to enjoy things that you value.  I don’t feel like spending money is evil or bad. It’s ok to spend money on the things that matter to you, and cut back on other things that don’t. ⁣
⁣
Thank you to @youneedabudget (this full video is on their feed) for making our favorite budgeting software, and for making this video that we can show our kids and grandkids one day. #ynabcommunity #ynab #debtfreecommunity
  • "Once you choose hope, anything is possible.”-Christopher Reeves⁣

    Although it’s quite vulnerable to put our story out there; we have chosen to do so because we want it to inspire hope. No matter where you are in your finances right now, no matter how much you make, or how little you may know about finances, or even how much debt you may have, the bottom line is that you can become financially free despite all of these things.⁣

    We weren’t given money to pay off our debt, we worked hard to pay off every penny of our debt. ($266,329.01 to be exact). You can do this too! Let’s talk about a couple of things that hold people back:⁣

    “I feel overwhelmed and don’t know where to start”⁣
    We felt the same, we were a bit scattered at first, and it took a solid 6 months to get the swing of managing our money responsibly. Remember that it doesn’t matter if you have it perfect, as long as you start and commit to figuring it out as you go. If you want a free, easy way to start, I created a free “Healthy Finances” mini-bootcamp to get you started that you can sign up for on the link in my profile.⁣

    “I have kids, I want to enjoy them, and my life.”⁣
    I hear you, and I understand. Our current debt-free journey now is completely different than what we did 6 years ago. The answer is that there is no right answer. The best plan is the one that you will actually commit to, so whether it’s slow and steady, or a high-intensity journey, it’s yours to choose and sustain. ⁣

    “I don’t want to give up my Starbucks”⁣
    That makes 2 of us. I strongly believe that as long as you are saving regularly, and being responsible with your finances, you should be able to enjoy things that you value. I don’t feel like spending money is evil or bad. It’s ok to spend money on the things that matter to you, and cut back on other things that don’t. ⁣

    Thank you to @youneedabudget (this full video is on their feed) for making our favorite budgeting software, and for making this video that we can show our kids and grandkids one day. #ynabcommunity #ynab #debtfreecommunity
  • 87 14 6 hours ago
  • May 12th 2020 marks the last day of my spring term & masters program! I can’t believe I’m literally 5.5 credits away. Education ✅ debt-free & financial freedom next ✅
  • May 12th 2020 marks the last day of my spring term & masters program! I can’t believe I’m literally 5.5 credits away. Education ✅ debt-free & financial freedom next ✅
  • 9 1 6 hours ago
  • We’ve been talking a lot about debt recently!  I’m going to continue over the next week and then I’ll give it a break.  I promise! -

Debt can and continues to take over people’s lives if they don’t keep their borrowing in check. -

I stress the debt talk because I know there are many young people out there without debt.  I want to encourage you to live a life debt free except for your mortgage.  Don’t let others tell you, you need to finance that 🚗 or just put things you want on 💳 without paying it off each month.  Have a 💰mindset. -

In our most recent video, we take a look at those 6 ways to save and pay off debt as well as summarize the debt snowball and debt avalanche. ◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️ 👉Follow @gymclassfinance on Instagram and YouTube 🎥
  • We’ve been talking a lot about debt recently! I’m going to continue over the next week and then I’ll give it a break. I promise! -

    Debt can and continues to take over people’s lives if they don’t keep their borrowing in check. -

    I stress the debt talk because I know there are many young people out there without debt. I want to encourage you to live a life debt free except for your mortgage. Don’t let others tell you, you need to finance that 🚗 or just put things you want on 💳 without paying it off each month. Have a 💰mindset. -

    In our most recent video, we take a look at those 6 ways to save and pay off debt as well as summarize the debt snowball and debt avalanche. ◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️◾️ 👉Follow @gymclassfinance on Instagram and YouTube 🎥
  • 11 1 7 hours ago
  • You may have noticed we’ve been posting a lot of videos lately.

That’s because we’ve finally launched our YouTube channel!

Subscribe to Mindful Money Habits for ideas, lessons, and money tips.
✨The link is in our bio!
  • You may have noticed we’ve been posting a lot of videos lately.

    That’s because we’ve finally launched our YouTube channel!

    Subscribe to Mindful Money Habits for ideas, lessons, and money tips.
    ✨The link is in our bio!
  • 12 1 7 hours ago
  • Choking on my water over here 😂😂 had to #repost @debtfreekiwis Our family's reaction every time we announce another trip or cruise 🙄+👶🏻????
  • Choking on my water over here 😂😂 had to #repost @debtfreekiwis Our family's reaction every time we announce another trip or cruise 🙄+👶🏻????
  • 59 4 8 hours ago
  • Food stamps and a prayer used to get me through the month. 5 years ago that was just life. I didn’t know that things could be different, that things SHOULD be different. My whole life we struggled financially... food stamps, state insurance, free meals at school. That was our normal, I always knew I didn’t want to live that way, but I didn’t know if I could ever stop the cycle. Paycheck to paycheck was all I knew.⁣
⁣
Then I found this company when I was at my lowest of low points in life, and it changed everything. I maxed out my credit card & paid the $99 to join, in hopes of making an extra $300 a month to cover my car payment. Within 10 months I not only was covering my car payment but I completely replaced my full-time income, traded in that car for a brand new one, got off state assistance and earned $22,000 in bonuses.⁣
⁣
Since then we paid cash for our dream wedding, paid off over $45,000 of debt, bought our first home, sold it & bought our dream home and have paid cash for groceries to feed our family of 6 every single month. I’m free now. Free from the negative chains that held me down, free from the system, free from the time clock... I’m FREE to live life on my terms every single day. I’m just a high school dropout from a small town who took a chance and changed my life.⁣
Why not you?⁣
⁣
If you are wondering if this might be right for you, text “opportunity” to 860.208.9992 & let’s see if it’s a good fit💕
.
.
.
#engagementphotos #newlywed #newmom #firsttimemom #bonusmom #bonusmomlife #debtfreejourney #debtsnowball #sahmomlife #sahm #boymom #momoffour #breakthemold
  • Food stamps and a prayer used to get me through the month. 5 years ago that was just life. I didn’t know that things could be different, that things SHOULD be different. My whole life we struggled financially... food stamps, state insurance, free meals at school. That was our normal, I always knew I didn’t want to live that way, but I didn’t know if I could ever stop the cycle. Paycheck to paycheck was all I knew.⁣

    Then I found this company when I was at my lowest of low points in life, and it changed everything. I maxed out my credit card & paid the $99 to join, in hopes of making an extra $300 a month to cover my car payment. Within 10 months I not only was covering my car payment but I completely replaced my full-time income, traded in that car for a brand new one, got off state assistance and earned $22,000 in bonuses.⁣

    Since then we paid cash for our dream wedding, paid off over $45,000 of debt, bought our first home, sold it & bought our dream home and have paid cash for groceries to feed our family of 6 every single month. I’m free now. Free from the negative chains that held me down, free from the system, free from the time clock... I’m FREE to live life on my terms every single day. I’m just a high school dropout from a small town who took a chance and changed my life.⁣
    Why not you?⁣

    If you are wondering if this might be right for you, text “opportunity” to 860.208.9992 & let’s see if it’s a good fit💕
    .
    .
    .
    #engagementphotos #newlywed #newmom #firsttimemom #bonusmom #bonusmomlife #debtfreejourney #debtsnowball #sahmomlife #sahm #boymom #momoffour #breakthemold
  • 51 8 8 hours ago
  • One of the biggest questions I had when we first started out zero based budget was how to set up our bank accounts to best work for us. I found very little information supplied on this subject because obviously everyone is different.
Some people use the cash envelope system (we don’t use this method), some have offset mortgage accounts and some use a credit card.
So here’s some insight into our banking set up.
- Everyday Account:
Hubby’s pay goes into this account and I transfer funds out into our other accounts. This also holds a set amount for our everyday costs like groceries, petrol etc and after transferring funds to the other accounts, whatever is left over goes to debt.
- Bills Account:
I transfer a set amount each week into this account. I calculated the set amount by dividing our monthly expenses/bills by 4). Then our mortgage, utilities, insurances, rates and minimum personal loan payment goes out of this account on auto. Any amount left over in this account rolls over into the next month to use as a buffer. - Emergency Fund:
Holds $1000 for emergencies and when possible we will increase this amount. Otherwise it remains untouched.
- Savings Account:
This account is for a “new to us” car...one day. I don’t allocate anything into this account but if there is small change left in our everyday account at the end of the week I transfer it to here.
- Sinking Funds:
Every week I save a set amount to cover our yearly costs like schooling, birthdays, yearly bills, car rego/WOF, small holiday next January and Christmas. It’s much easier spreading the cost throughout the year and is the best thing I have ever done.
-
This is the best set up for us. 
Everyone is different and this may not work for you but I find it so much easier than how I previously worked things.
-
Any questions?
  • One of the biggest questions I had when we first started out zero based budget was how to set up our bank accounts to best work for us. I found very little information supplied on this subject because obviously everyone is different.
    Some people use the cash envelope system (we don’t use this method), some have offset mortgage accounts and some use a credit card.
    So here’s some insight into our banking set up.
    - Everyday Account:
    Hubby’s pay goes into this account and I transfer funds out into our other accounts. This also holds a set amount for our everyday costs like groceries, petrol etc and after transferring funds to the other accounts, whatever is left over goes to debt.
    - Bills Account:
    I transfer a set amount each week into this account. I calculated the set amount by dividing our monthly expenses/bills by 4). Then our mortgage, utilities, insurances, rates and minimum personal loan payment goes out of this account on auto. Any amount left over in this account rolls over into the next month to use as a buffer. - Emergency Fund:
    Holds $1000 for emergencies and when possible we will increase this amount. Otherwise it remains untouched.
    - Savings Account:
    This account is for a “new to us” car...one day. I don’t allocate anything into this account but if there is small change left in our everyday account at the end of the week I transfer it to here.
    - Sinking Funds:
    Every week I save a set amount to cover our yearly costs like schooling, birthdays, yearly bills, car rego/WOF, small holiday next January and Christmas. It’s much easier spreading the cost throughout the year and is the best thing I have ever done.
    -
    This is the best set up for us.
    Everyone is different and this may not work for you but I find it so much easier than how I previously worked things.
    -
    Any questions?
  • 61 17 8 hours ago
  • I know I’m not the only one who falls into the cycle of playing to not lose instead of playing to win. Am I right?
-
We take timid steps forward, all the time thinking those oh-so-helpful (not) “what if”s on repeat.
-
What if I send this money to debt but then my car needs work?
-
What if I work hard all month to stick to the budget but my husband doesn’t and it’s all for nothing?
-
What if I spend hours listing things for sale and no one buys?
-
What if I save my emergency fund and then it’s all wiped out anyway?
-
But here’s one thing I know for sure. When we play to not lose, our progress is painfully slow. Sure, we might stick to it and get our money in order eventually, but more often than not we quit before we get there. It all feels useless.
-
But imagine being a person who is playing to WIN! Like “I’m gonna do whatever it takes, and I’m gonna do it now! When I mess up I’ll figure it out. I’d rather get in the game and fail fast so I can learn and level up.”
-
No more negative what-iffing. Accept that you will mess it up, but then you can learn. If you never really make a move how will you ever learn from your mistakes?
-
Some lessons you can only learn through failure.
-
Are you willing to play to WIN in 2020? Let me know.
  • I know I’m not the only one who falls into the cycle of playing to not lose instead of playing to win. Am I right?
    -
    We take timid steps forward, all the time thinking those oh-so-helpful (not) “what if”s on repeat.
    -
    What if I send this money to debt but then my car needs work?
    -
    What if I work hard all month to stick to the budget but my husband doesn’t and it’s all for nothing?
    -
    What if I spend hours listing things for sale and no one buys?
    -
    What if I save my emergency fund and then it’s all wiped out anyway?
    -
    But here’s one thing I know for sure. When we play to not lose, our progress is painfully slow. Sure, we might stick to it and get our money in order eventually, but more often than not we quit before we get there. It all feels useless.
    -
    But imagine being a person who is playing to WIN! Like “I’m gonna do whatever it takes, and I’m gonna do it now! When I mess up I’ll figure it out. I’d rather get in the game and fail fast so I can learn and level up.”
    -
    No more negative what-iffing. Accept that you will mess it up, but then you can learn. If you never really make a move how will you ever learn from your mistakes?
    -
    Some lessons you can only learn through failure.
    -
    Are you willing to play to WIN in 2020? Let me know.
  • 294 4 8 hours ago
  • What was your @diddy moment?
  • What was your @diddy moment?
  • 2,607 136 8 hours ago
  • Take Control Of Finances Today Or It Will Control You Later. Do What’s Hard Now So In The Future You Wont Have To. Get Intentional.
  • Take Control Of Finances Today Or It Will Control You Later. Do What’s Hard Now So In The Future You Wont Have To. Get Intentional.
  • 97 1 8 hours ago
  • You know what makes me happy every morning? Updating our budget spreadsheet 🤓 lol seriously I enjoy tracking our spending and seeing that we’re staying on track⠀
⠀
I heard someone talk about financial dignity on a podcast today. It was pretty interesting because I’ve never heard that term before.. she explained it as not just making enough to cover your expenses, but truly knowing where your money is going and WHY it’s going there⠀
⠀
Wanting to know where our money goes is exactly why I made our tracking spreadsheet in December. I felt like we could be saving more and paying off debt faster than we were. And now we use it each month to set budgets for different categories and monitor how well we’re doing as the month goes on!⠀
⠀
It’s actually really cool how much more aware you become of spending when you track it every day. We’re still getting better at it as time goes on but I’m so glad it’s become part of our normal routine! Do you track your spending or have some kind of normal budgeting process you follow?
  • You know what makes me happy every morning? Updating our budget spreadsheet 🤓 lol seriously I enjoy tracking our spending and seeing that we’re staying on track⠀

    I heard someone talk about financial dignity on a podcast today. It was pretty interesting because I’ve never heard that term before.. she explained it as not just making enough to cover your expenses, but truly knowing where your money is going and WHY it’s going there⠀

    Wanting to know where our money goes is exactly why I made our tracking spreadsheet in December. I felt like we could be saving more and paying off debt faster than we were. And now we use it each month to set budgets for different categories and monitor how well we’re doing as the month goes on!⠀

    It’s actually really cool how much more aware you become of spending when you track it every day. We’re still getting better at it as time goes on but I’m so glad it’s become part of our normal routine! Do you track your spending or have some kind of normal budgeting process you follow?
  • 48 3 8 hours ago
  • My roommate’s cousin and his girlfriend lived with us for 2 months while they got settled in AZ. She just gave birth 2 weeks ago. When I got the text that said she was still having symptoms (started Sunday) I was grateful we had a half day at school and all my Parent Teacher Conferences were over, so I made my way to them. This meant dinner plans at home went out the window, they live an hour away so my car needed gas to get there and back, and I didn’t mind spending a single penny of it. I’m still at their place hanging out with the little one. Keeping him, at 2 weeks old, healthy and safe is worth way more than that $50 for a drive thru on the way and some gas. Hey, that’s what emergency funds are for, TO BE USED IN CASE OF AN EMERGENCY! I might not have to actually use my EF but k owing it’s there meant I didn’t have to count pennies for gas and food. 
#debtfreecommunity #debtfreejourney #debtsnowball #babysteps #babystep2 #babysitting #emergencyfund #teacherlife #healthybaby #dfj #dfc #happytohelp
  • My roommate’s cousin and his girlfriend lived with us for 2 months while they got settled in AZ. She just gave birth 2 weeks ago. When I got the text that said she was still having symptoms (started Sunday) I was grateful we had a half day at school and all my Parent Teacher Conferences were over, so I made my way to them. This meant dinner plans at home went out the window, they live an hour away so my car needed gas to get there and back, and I didn’t mind spending a single penny of it. I’m still at their place hanging out with the little one. Keeping him, at 2 weeks old, healthy and safe is worth way more than that $50 for a drive thru on the way and some gas. Hey, that’s what emergency funds are for, TO BE USED IN CASE OF AN EMERGENCY! I might not have to actually use my EF but k owing it’s there meant I didn’t have to count pennies for gas and food.
    #debtfreecommunity #debtfreejourney #debtsnowball #babysteps #babystep2 #babysitting #emergencyfund #teacherlife #healthybaby #dfj #dfc #happytohelp
  • 22 2 8 hours ago
  • Today is not a great day for posting wins... but I’ve had a lot of time to think. I know I need to make changes at work. New job, second job, education, something. I’m committed to paying off my debt, but boy do I want to volunteer like the olden days! I started out my career volunteering at an animal shelter with dogs and cats. So much has changed since then it is ridiculous. Good ridiculous, I’ve gained a ton of experiences, skills, and knowledge about animals. But I’m ready for something new. I guess what I miss most about my non debt paying off life is feeling like I can volunteer. I get torn between trying out a volunteer job with people or with animals. Maybe there is something new out there... I feel like I might pick up a second job working at a vet’s office, but we’ll see. More work sounds exhausting at the moment! I can’t justify volunteering anywhere with my need to watch my credit card balance fall, but it’s one of those things I’ll pick up when it’s over! Most likely! Anyways, I only have a dim view of why I’m doing all this, besides to be free. I’d just like to feel useful to places that can’t pay me that are also doing great work with their animals! Well, hope you all are enjoying your evening! #daveramsey #volunteering #debtfreecommunity #debtfreejourney #animalshelter #mywhy #roots #debtfreescream #goodlife #sidegig #dreams #vision #financialindependence #firecommunity #underdog #hopelesscauses #moneymoves #debtsnowball #damnyouvisa #babystep2 #debtsucks
  • Today is not a great day for posting wins... but I’ve had a lot of time to think. I know I need to make changes at work. New job, second job, education, something. I’m committed to paying off my debt, but boy do I want to volunteer like the olden days! I started out my career volunteering at an animal shelter with dogs and cats. So much has changed since then it is ridiculous. Good ridiculous, I’ve gained a ton of experiences, skills, and knowledge about animals. But I’m ready for something new. I guess what I miss most about my non debt paying off life is feeling like I can volunteer. I get torn between trying out a volunteer job with people or with animals. Maybe there is something new out there... I feel like I might pick up a second job working at a vet’s office, but we’ll see. More work sounds exhausting at the moment! I can’t justify volunteering anywhere with my need to watch my credit card balance fall, but it’s one of those things I’ll pick up when it’s over! Most likely! Anyways, I only have a dim view of why I’m doing all this, besides to be free. I’d just like to feel useful to places that can’t pay me that are also doing great work with their animals! Well, hope you all are enjoying your evening! #daveramsey #volunteering #debtfreecommunity #debtfreejourney #animalshelter #mywhy #roots #debtfreescream #goodlife #sidegig #dreams #vision #financialindependence #firecommunity #underdog #hopelesscauses #moneymoves #debtsnowball #damnyouvisa #babystep2 #debtsucks
  • 10 3 9 hours ago
  • Gentle reminder!

Just keep at it. You’ll be amazed at how beautiful it all comes together.

Stay encouraged #debtfreecommunity
  • Gentle reminder!

    Just keep at it. You’ll be amazed at how beautiful it all comes together.

    Stay encouraged #debtfreecommunity
  • 33 6 9 hours ago
  • That DEBT FREE feeling 💸💸💸 That’s right! I paid off my car yesterday on a whim (my RAV4 named Ruby!), and I am now completely DEBT FREE. I cannot tell you how good it feels to know I don’t owe anyone ANYTHING. 🚗 (Swipe to peep lil 22-year-old Tori! So proud of herself for buying a car and also newly $23,000 in debt! 😬) BUT NO LONGER!!! 🍾

This feeling of freedom is what happens when you take yourself and your goal seriously. Bettering your money means you get choices about the way you want to live your life — you’re not answering to anyone, not burdened, not drowning. It takes work, but it is so worth it.

Tell me about your debt free goals below, I wanna cheer you on! 👇
  • That DEBT FREE feeling 💸💸💸 That’s right! I paid off my car yesterday on a whim (my RAV4 named Ruby!), and I am now completely DEBT FREE. I cannot tell you how good it feels to know I don’t owe anyone ANYTHING. 🚗 (Swipe to peep lil 22-year-old Tori! So proud of herself for buying a car and also newly $23,000 in debt! 😬) BUT NO LONGER!!! 🍾

    This feeling of freedom is what happens when you take yourself and your goal seriously. Bettering your money means you get choices about the way you want to live your life — you’re not answering to anyone, not burdened, not drowning. It takes work, but it is so worth it.

    Tell me about your debt free goals below, I wanna cheer you on! 👇
  • 635 64 9 hours ago
  • This is how our last pay for February is working out. Here's a breakdown:
.
👉 Expenses covers all our fixed costs as well as variable costs such as groceries and some miscellaneous expenses
.
👉 Our debt right now is just the land loan which costs $1490 a fortnight
.
👉 The savings allocation is for money that I allocate to sinking funds every single pay. This never changes.
.
👉 The surplus is what I have left over after our essentials are accounted for. From here I'll allocate money to our other savings goals or expenses. This fortnight, a large chunk of that went to our council bill.

We also did something big with our finances which was end our novated lease. It's brought back $1140 to our pockets a month and after considerations for car maintenance and ongoing costs, we're still left with a decent chunk.

We did this for a few reasons and one of the major contributors to our decision was that it will help secure our construction loan. The other is that since I work from home and remotely most of the week, I don't use the car nearly enough to reap the benefits. It worked great the first year we had it when we were travelling more for work, but last 2.5 years it's just been taking our money and not much else!

So big changes this month, which means our budget from March will be evolving and that's exciting. Change is always good 😁
  • This is how our last pay for February is working out. Here's a breakdown:
    .
    👉 Expenses covers all our fixed costs as well as variable costs such as groceries and some miscellaneous expenses
    .
    👉 Our debt right now is just the land loan which costs $1490 a fortnight
    .
    👉 The savings allocation is for money that I allocate to sinking funds every single pay. This never changes.
    .
    👉 The surplus is what I have left over after our essentials are accounted for. From here I'll allocate money to our other savings goals or expenses. This fortnight, a large chunk of that went to our council bill.

    We also did something big with our finances which was end our novated lease. It's brought back $1140 to our pockets a month and after considerations for car maintenance and ongoing costs, we're still left with a decent chunk.

    We did this for a few reasons and one of the major contributors to our decision was that it will help secure our construction loan. The other is that since I work from home and remotely most of the week, I don't use the car nearly enough to reap the benefits. It worked great the first year we had it when we were travelling more for work, but last 2.5 years it's just been taking our money and not much else!

    So big changes this month, which means our budget from March will be evolving and that's exciting. Change is always good 😁
  • 105 13 10 hours ago
  • Ugh, taxes. I got excited for a moment that maybe this year we wouldnt owe. And then I finished entering everything in and... BAM! 
We owe. Close to $2500. Plus state taxes - since our old state didnt have state taxes and our new state does. 
The life of a double income household with no property, no kids, and nothing to "writeoff" - I find it incredible that we keep having to owe. How is it that the taxes taken from our paychecks arent enough to cover out tax liability each year?! Well - last year we changed our W-4s to take out more to prevent this issue. After reviewing our tax stuff this year, I finally found our problem. Our incomes are so different that while we get taxes taken out on our individual income - our combined tax liability is much higher. Yay for being married with very different incomes!! Doing taxes this year has caused us to rethink when and if Caveman will go back to regular employment this year. We have enough other things to keep him busy and still make sure bills are paid. We are continuing to talk about ways to reduce our footprint and our needs and see if we can suffice on a single income. I mean - it was always the plan when we had kids. Maybe we just start BEFORE we have kids!? We will see!

#lifestartsbetween35 #hefandcavemanadventures #debtfree #debtfreejourney #debtfreecommunity #debtfreegoals #debtsnowball #debtsucks #babysteps #financialgoals #budgetlife #momoneymoproblems #ihatetaxes #taxessuck
  • Ugh, taxes. I got excited for a moment that maybe this year we wouldnt owe. And then I finished entering everything in and... BAM!
    We owe. Close to $2500. Plus state taxes - since our old state didnt have state taxes and our new state does.
    The life of a double income household with no property, no kids, and nothing to "writeoff" - I find it incredible that we keep having to owe. How is it that the taxes taken from our paychecks arent enough to cover out tax liability each year?! Well - last year we changed our W-4s to take out more to prevent this issue. After reviewing our tax stuff this year, I finally found our problem. Our incomes are so different that while we get taxes taken out on our individual income - our combined tax liability is much higher. Yay for being married with very different incomes!! Doing taxes this year has caused us to rethink when and if Caveman will go back to regular employment this year. We have enough other things to keep him busy and still make sure bills are paid. We are continuing to talk about ways to reduce our footprint and our needs and see if we can suffice on a single income. I mean - it was always the plan when we had kids. Maybe we just start BEFORE we have kids!? We will see!

    #lifestartsbetween35 #hefandcavemanadventures #debtfree #debtfreejourney #debtfreecommunity #debtfreegoals #debtsnowball #debtsucks #babysteps #financialgoals #budgetlife #momoneymoproblems #ihatetaxes #taxessuck
  • 17 1 10 hours ago
  • We are still on track for our no spend February. We had needed some kitchen items for some time. We placed some of them on our wedding registry in December and we were just able to collect them (as things are not delivered straight to our homes in Jamaica). The can-opener was purchased today with a gift card. 
I was tempted to buy an electric kettle that I broke last month which was a bit more expensive than I thought. On calling my frugally lovely husband he reminded me that maybe now wasn't the time to purchase one and that we had a stove kettle at home that works. Can I love him even more? 
It felt good though to get some new items. Here are some great ways to get "new" items on a budget. 
1. Place important and joy giving items on registries, birthday wishes etc. 
2. Swap or exchange items with friends that both parties feel fits a need.

3. Shop yard sales and thrift stores 
4. Shop on off seasons i.e. after valentines day, halloween, christmas related items when things are being discounted or right before a store changes stock. 
5. Lastly, just plan and execute purchases, maybe adopt a 30 day rule for non essential purchases to see if you still want it. 
#dfc #debtfreecommunity #debtfreecaribbean #debtfreedom #moneybossclub #debtfreeliving #daveramseybabysteps #financialfreedom #investing #goals #goalsetting #debtsnowball #frugalliving #frugal #jamaica #sidehustle #debtisdumb #babystep2 #sinkingfunds #debtfreecommunityja #debtfreejamaica
  • We are still on track for our no spend February. We had needed some kitchen items for some time. We placed some of them on our wedding registry in December and we were just able to collect them (as things are not delivered straight to our homes in Jamaica). The can-opener was purchased today with a gift card.
    I was tempted to buy an electric kettle that I broke last month which was a bit more expensive than I thought. On calling my frugally lovely husband he reminded me that maybe now wasn't the time to purchase one and that we had a stove kettle at home that works. Can I love him even more?
    It felt good though to get some new items. Here are some great ways to get "new" items on a budget.
    1. Place important and joy giving items on registries, birthday wishes etc.
    2. Swap or exchange items with friends that both parties feel fits a need.

    3. Shop yard sales and thrift stores
    4. Shop on off seasons i.e. after valentines day, halloween, christmas related items when things are being discounted or right before a store changes stock.
    5. Lastly, just plan and execute purchases, maybe adopt a 30 day rule for non essential purchases to see if you still want it.
    #dfc #debtfreecommunity #debtfreecaribbean #debtfreedom #moneybossclub #debtfreeliving #daveramseybabysteps #financialfreedom #investing #goals #goalsetting #debtsnowball #frugalliving #frugal #jamaica #sidehustle #debtisdumb #babystep2 #sinkingfunds #debtfreecommunityja #debtfreejamaica
  • 13 0 10 hours ago
  • Oh hellloooooo @debtfreecharts you are back on my wall! We need a visual way to keep ourselves going for the next few months and there’s no other way to do it.
  • Oh hellloooooo @debtfreecharts you are back on my wall! We need a visual way to keep ourselves going for the next few months and there’s no other way to do it.
  • 116 6 11 hours ago
  • We've been saving in case we owe taxes and we finally have our number. So now it's time to move around our savings and use it! Lately I've been having a lot of anxiety surrounding money and I think it has to do with all the upcoming changes we're expecting in the next 4 weeks. Goal is to not spend with my emotions, use cash envelopes, meal prep/ eat at home and most importantly, self check ins to see how I'm feeling! •
•
Savings Total: $2,500 $480 to taxes $1,500 to the toolbox debt $500 to malpractice insurance $20 for ice cream date!
  • We've been saving in case we owe taxes and we finally have our number. So now it's time to move around our savings and use it! Lately I've been having a lot of anxiety surrounding money and I think it has to do with all the upcoming changes we're expecting in the next 4 weeks. Goal is to not spend with my emotions, use cash envelopes, meal prep/ eat at home and most importantly, self check ins to see how I'm feeling! •

    Savings Total: $2,500 $480 to taxes $1,500 to the toolbox debt $500 to malpractice insurance $20 for ice cream date!
  • 48 4 11 hours ago
  • Another winner will be announced at the end of this month!
Stay tuned. If you haven't yet, follow the link in our bio to participate in our monthly Sweepstakes. Good luck!
  • Another winner will be announced at the end of this month!
    Stay tuned. If you haven't yet, follow the link in our bio to participate in our monthly Sweepstakes. Good luck!
  • 15 9 11 hours ago
  • Pay day baby!!!! 🥳
  • Pay day baby!!!! 🥳
  • 78 15 14 hours ago
  • 40 1 19 February, 2020