The hubs and I spend a lot of time dreaming of the travel that we’ll do once we’re debt free. One of the biggest sacrifices that we’ve had to make on this journey is taking a break from travel. The first three years of our relationship were marked with several fabulous vacations: Amsterdam, London, Dubai, Tokyo, Napa Valley, San Francisco, Puerto Rico, etc. We LOVE to travel, and it’s so hard to give up once you’ve had the taste. On the flip side, the ability to resume our global travel provides a big ‘why’ that helps us keep our eyes on the prize. Today, we’re dreaming up a big honeymoon that we delayed to pursue our debt free goals. Finalists include Thailand (with stops in Cambodia and Sri Lanka), Peru, Belize, France, Italy, and Greece. ———————————————————
Do you have big travel dreams? Where do you want to go? ———————————————————-
#debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtfreeliving #worldtraveller #globaltravel #globetrotter #jetsetter #cashflow #cashisking #debtisdumb #personalfinance #livelikenooneelse #gazelleintense #financialfreedom #financialpeaceuniversity #financialpeace #babysteps #bs2 #babystep2 #daveramsey #daveramseybabysteps #daveramseyplan
Unfortunately due to car troubles, we could not go out of town to my SIL’s baby shower this weekend.. But our little town was having a Food Truck Festival with free kids activities so we thought we would check that out instead. We are so glad we did because the kids had tons of fun between the bounce houses, mega jenga, horse shoes, cornhole, and more! And for the first day of fall in Texas... the weather was amazingly perfect!
Getting use to the cash envelope system. Time to replenish!!!
Bringing consciousness into transactions as opposed to mindlessly spending has greatly helped me on this #debtfreejourney
. Not only am I spending less and paying off more debt, but I’m spending my money on items I actually need and that are of good quality.
This used to be me 100%. Before starting our #debtfreejourney
I thought Target was a trigger for me but do you know what I learned? LIFE was my trigger. COMPARISON was my trigger. DISCONTENT was my trigger. ...
If you have an attitude of gratitude and place value on the people and blessings in your life it’s so much easier to shift your mindset into one of abundance. I have everything I need. My husband and daughter have everything they need. We have goals, BIG ones, HUGE. Anything that I could or would purchase at Target is only an obstacle to achieving those goals. So no thanks Target, I’m good!
#debtfreecommunity #intentionalliving #babystep2 #debtsnowball #intentionalliving #attitudeofgratitude #minimalism #contentment #frugalliving
eBooks on eBooks on eBooks to help you get your finances on point. When you get a moment, check the link in my bio and grab a copy of my book, Get out of Debt Now. I talk about the strategies we used to dump over $120k in debt. I hope it helps you! I've got some new followers, so it might be time to re-introduce myself! My name is Aja McClanahan, the founder of the website Principles of Increase. I created the site shortly after my husband and I paid off all our debt (student loans, car notes, credit cards, etc.) in 2013. ~
People asked us how we did it so much that I thought a "mass mentoring" tool like a website/blog would help answer those questions. I'm so glad I did!
Five years later, we've now started investing in real-estate, stocks and other business ventures with our freed up cash. Since paying off debt, we've been able to travel much more as a family and I get to home school my kids and support them in very active entertainment careers (they are singers, actresses and voice-over actors.)
If you want this life for yourself, check the link in my bio where you can get a free eBook called, Get out of Debt Now where I show you the strategies we used to dump debt. I hope it helps!
#debtfreecommunity #personalfinance #financialfreedom #teamdebtfree #debtfreejourney #budget #budgeting #mortgagefreewannabe #debtsnowball #babystep1 #babystep2 #debtfreelife #debtfreeaf #weredebtfree #financialindependence #totalmoneymakeover #nodebt #budgetlife
Clothes haul! I hate buying new clothes, unless it’s something I really NEED. However, we are going to Iceland during our honeymoon in November, and we live in Florida, so we do not have all the clothes we need!
We have some big coats, but I was worried because I don’t have many underlayer-type clothes, but I didn’t want to spend a lot for clothes that I won’t use very often!
Enter the thrift store! A few years ago when we went to Colorado, I needed some waterproof pants for skiing. We went to the thrift store, and for less than the price of one new pair, I got THREE pairs!
So we stopped by a new thrift store yesterday, and hit the motherload! They had all women’s clothing on sale for $1! So, I got seven sweater/long sleeve shirts, for $7! Now I’m all set, for less than I probably would’ve been able to buy one sweater new!
#travel #traveltips #health #healthyeating #paleo #healthtips #fitness #fitnesstips #debtfree #debtfreecommunity #debtfreecommunityfl #babysteps #babystep2 #daveramsey #daveramseybabysteps #debtsnowballing #a
&kbalance #ketotips #ketomeals #chipotleketo #frugalketo #frugaltraveltips
This week's grocery total!
Almost $10 under budget 😎 to feed two adults. This pay period I tried something a bit different and took out cash instead of using my card. It was a bit of a hassle at check out because I paid exact change and I felt like "that person," but it felt nice knowing that the money was already out of my checking account so there was no chance of me accidentally spending it.. that never happens but still, I like the the peace of mind.
#debtfreecommunity #budget #debtfreejourney #debtfreek #frugal #babystep2 #llnoe #studentloans #personalfinance #aldi
I posted this on my IG story but this is something I have been thinking about for awhile. By my projections, I will be debt free around April/May 2019. Once I am debt free, I would like to take over my mom’s car loan and help her pay it off. She has around $15k left on the car and by the time I take it over once I’m debt free, it would be paid off around Dec. 2019. One of the reasons why I wanted to become debt free was so I had the ability to help others in my life. Live and give, if I have the means to do it then I am more than happy to. Someone called it a “gift over time” and I really loved that! 😁 #DriveTilTheWheelsFallOff
Ran through the budget after getting my final September paycheck on Friday and this is what I will be able to put towards my loans this month!
Not too shabby considering I had to adjust a couple of things after Murphy hit a week ago costing us $1,200 to fix hubby’s truck.
My goal for the month was $950. Clearly exceeded my goal! And with setbacks! Proud of this!
#debtfreejourney #debtfreecommunity #studentloans
Getting really close to half way on our debt free journey!
We have $165 left on my largest student loan (originally 16K) and we’re also expecting around a $4K bonus from my employer any day! At the beginning of October we will knock out my biggest loan and hopefully one more from my bonus!
#byestudentloans #debtfreejourney #debtfreecommunity #babystep2
I hit a milestone while adding up my September numbers today. I’ve officially paid off over $30,000 to debt! $30,477.88 to be exact 😜 It partially hurts my soul knowing I could have had $30k in my pocket if I didn’t have debt. However, it’s life and it’s okay because that’s $30k OFF MY BACK FOREVER! 🎉 It’s amazing how once you really start this journey all you can think is “never again”. I could never go back to not having a budget. Next goal: get my total debt remaining under $40k! 💸
My quarter planning page ❤️ I divide my yearly goals into financial (F), spiritual (S), mental (M), relationships (R), and physical (P). For the quarter, I make a goal for each month that will get me closer to my big goals. Then I actually SCHEDULE the time in. (Just like the wise @auntkara
For example, I want to pay over $2,000 to debt. I can’t just say that, I have to schedule a budget session. Then I will know what I have to do to get there. Side money? Cut something? Make the plans. I also know I need to be on budget so I schedule in times to go over it weekly.
If I want to practice yoga twice a week, then I schedule it in my google calendar for the month. If I get busy or find a better day, I just reschedule. But it all goes into the monthly planning.
I finally sat down and figured out what my numbers are. I’m am shocked to the least . 😩😔 i did this to myself !
Earlier this month, someone posted on social media a pic of Geoffrey Owens working at Trader Joe’s. If you recognize him, it’s because he was on the Cosby Show. I really don’t know his financial situation in regards to debt; however, the first thing that came to mind was the #debtfreecommunity
and how all of us are sharing ways of working hard to achieve the same goal. I’ve read stories of people doing side gigs by selling things around the house, becoming an Etsy seller, working over-time, getting a part-time job delivering pizza, and the list goes on. We may get funny looks or even “shamed” of what we do to help us achieve our overall goal, but that means we’re doing it right. We work hard to dig ourselves out of the hole we got into, so we can use our money in a smarter/wiser way for the future. #debtsnowball #totalmoneymakeover #debtisdumb #debtfreejourney #financialfreedom #financialpeaceuniversity #babysteps #babystep2 #sinkingfunds
1. Pay off car debt. I'm very fortunate to have the parents I do. They're amazing and I couldnt do life without them. When i got a promotion at work, they were so proud and supportive. But it meant I would be doing a lot of long distance country driving and needed to upgrade cars. They were looking to upgrade their car, so when they did they sold me their old car for a great price and let me pay them a small sum each week. When we came back from holidays we had only several hundred owing on it, and some money left in our savings so we used it to pay off our 1st debt in the snowball 🙌🙌 2. Our minimum repayments are $1460 per month. Our goal for September was to try to stick to our budget and pay an extra $2000 on top! It's a bit of a stretch goal right off the bat. 💸
3. To achieve goal 1, we skipped BS1 and have been working towards BS2. We need to start building up BS1 but I can't bring myself to stop paying extra to debt. So we're going to try do them simultaneously 😬😬 #debtfreecommunity #debtfreecommunityaustralia #ozdebtfreecommunity #debtfreeoz #debtfreewitht
#ozsavingcommunity #ozdebtfreejourney #austrailandebtfreecommunity #babystep2 #financialfreedom
Reminding myself to keep pushing forward through my #debtfreejourney
and forgiving myself along the way. #babystep2
may be the most challenging thing I’ve done, but I will keep it moving. No looking back! #debtfreecommunity
So I thought I would just take a moment to tell you our story, specifically how we got started on this journey to debt freedom.
My husband and I met when we were little kids (6 and 7) and we fought like cats and dogs. It is quite funny when ever we look back now. When we got into highschool together, we were stuck in band together. He was a percussionist and I was in colorguard. One day he told my best friend he wanted my number to pick on me. He epicly failed at that and the rest is kinda history. We got legally married last year and we are having a small reception on our first anniversary to celebrate ♡
Unfortunately being a couple while you're still irresponsible teenagers makes planning for your future one of those things that seems too far away to sit down and say step by step what you want. I made the poor choice to attend an expensive private college where we accumulated more debt than I'd currently like to say. My husband did things a lot better but he still bought a fairly expensive truck and never made more than the minimum payments on it. ♡
When I was getting my degree, my husband joined the workforce. He also spent most of his time listening to audio books and reading. After stumbling on to a couple finance books, he finally talked to me about what he wanted to do financially in the future. We knew we wanted kids and a home some day and wanted to be able to give them the best experiences, especially when it comes to things like travelling. So we got on the same page. #debtisstupid
and we didn't need to be paying for it for the rest of our lives.
Fast forward and we discovered the debt free community, graduated and started living together, and started our own #debtfreejourney
! We expect to be debt free in less than 3 years and honestly when we think about our life in the long term we are so grateful to be starting young!
I'd love to hear your stories too and thanks for reading ♡
#debtfreecommunity #debtfreegoals #financialfreedom #babystep2 #bs2 #goaldigger #debtisbad #babysteps #goals #financiallyindependent #livingthedream
So, I was SO determined to clear all my debt by the end of the year that I wound my budget so tight there was NO room for any unexpected expenses.
This is causing more stress because I’ve gone over budget that last two months.
Today I’ve been questioning whether it is more important to hit an arbitrary date or relax, allow for the unexpected and hit that target 2 months later when I’ll have a lot more spare cash.
So I’ve replanned. The bulk of the remaining debt (£2750) will be payed off by year end. No overpayment will be made in January as I have a course to pay for, and the final £500 payment will be made in February.
If I have the ability to pay more off before then (i.e. leftover cash at the end of the month) then I will, but ultimately I’ll be debt free in February 2019 😀
🍁🍂Autumn sure makes it easier to stay in and save money! 🍂🍁
Brrr! Heating is on and we’re having a cozy morning with the littlest one watching Disney movies 🎥 Have to move soon though and get ready for church⛪ 💕💕💕💕💕💕💕
I’ve had a busy few weeks lately with my eldest, as he is starting secondary school next year and he has / had entrance exams for potential schools all throughout September. So lots of studying, support and running him round to the different venues!
It’s been a little bit stressful, but hopefully will be worth it!
Budget and debt repayment is going well, although I’m fearing I still may not meet some of my goals I set for September 🤷🏼♀️
(Still a bit of time to try though!) 💓💓💓💓
Hope everyone has a lovely Sunday whatever you are doing 💓💓💓 #debtfreecommunity #ukdebtfreecommunity #frugal #frugalliving #debtfree #daveramsey #babysteps #babystep2
Not too shabby this week... Finally restarted selling our unused goods and even reopened my matched betting accounts last night 👊🏻
My hero of the week is the Shopmium app though! I've looked at similar before and been distracted. However, the temptation of £9+ free food that I actually use was too good not to try. The process was so simple. My refund was back in my account before the debit even hit! Mum was so impressed that she joined up using my referral code too ✊🏻
If you don't already, you can join us 💛 See the saved stories on my profile for further information xo
Yikes! Interesting read on Bloomberg website. Makes you realize just how "OK" you really are doing by using a budget and trying to pay down debt, whether it be big payment chunks or dollar by dollar. So many people are way worse off 😱😱🤑Grateful to have gotten my family on the path to #financialfreedom
and to have found the #debtfreecommunity
Working late, so why not a cheese biscuit and coffee lol
Recently I went to the dentist for the first of two appointments to get a crown put in. I went in thinking my insurance was covering 100% of the costs. However, they told me that wasn’t correct, that the insurance only paid a portion, and my out of pocket was $450. I was frustrated as I pulled the $ from my emergency fund knowing 1) I needed to have this procedure done and 2) If I delayed my appointment to cash flow this I’d owe a $75 fee for cancelling the appointment then and there. Flash forward to two weeks later at my follow up appointment. The receptionist informed me they checked with my insurance again, and that the insurance company DID agree to pay 100% of the costs!!! So I got a refund of $450! Oh course it’ll just go back into my emergency fund, but I feel so relieved!
Sometimes when I need a reality check I log into credit karma. I dont stress too much over the house debt right now, as that will come at a later date, but I am so antsy to get this credit card debt paid down. Im only human, and sometimes I slip up though. Since the start of this account I know that I am (slowly) chipping away at it and that I will see that $0 in a few mos but I also know that I can do better and push myself harder. My CC debt was from 3 accts; $58, $700, & a little over $3k. Sometimes it can be a little demotivating that I'm "treading water" on the large one (due to my min payment barely being above my interest charges), but I am so pumped that I should be attacking that one as my final snowball acct next month! I'm so looking forward to wrapping up this month and jumping into October!
#debtfreecommunity #debtisdumb #debtfreejourney #daveramsey #daveramseybabysteps #babystep2 #babysteps #babysteppers #debt #debtfree2019
1- First thing to stay is coffee. I love coffee. I’ve definitely cut down but it’s a budget item for sure. Hot black coffee in the fall keeps me going.
2- Cable. To be honest, I could do without cable but my husband fought for it. 😂 Either a news channel or a sports channel is usually on at my place.
3- Therapy. My brain is very important to me so I have a personal trainer for it. ❤️ 😂. Seriously tho.
We had homemade soup for dinner today, and I planned on making homemade dinner rolls as a side since it’s the weekend and I had time plus they are WAY yummier than store bought (I cheat and make the dough in the bread machine).
I was going to buy a package of store bought rolls to have with our leftover soup on Monday night. Then I remembered this recipe I used to make years ago - freezer rolls! I split my dough in half and baked half for tonight’s dinner. The other half, I allowed to rise and baked them partially at 275 for 20 minutes. Now they are in the freezer in a freezer bag. The day we want to eat them we just take them out of the freezer in the morning, put them in the fridge to thaw and when we get home we bake them at 400 for about 7 minutes. They taste freshly baked!
I’m thinking it costs us about 25 cents for 9 rolls? Yummy AND #frugal
#frugallife #frugalliving #frugalmealprep #budgetlife #budgetmeals #debtsnowball #babystep2 #debtfreedom #debtfreecanada #debtfreejourney #debtfreecommunity
Sometimes your favorite things don't get enough credit because you are around them all the time. It feels like we spend a lot of time together but sleeping and sharing the bathroom mirror are not the same as a date. I am feeling grateful that we spent time together today and went on a few adventures. Now we are in the studio working hard because Scott has some upcoming shows. Tired but happy. #myfave
So close to being in the $170ks!
I meant to post this last weekend... but LIFE. So my oldest turned TEN last week, as I already posted. And it just set everything in perspective for me, birthdays tend to be goal dates for me with my Debt Free journey... my next birthday (July) is my goal to be DEBT FREE. Which means by the time my oldest is 11? I will be debt free! 🤭... but then that made me push a bit harder, and work side hustles that much more... in order to hopefully push my debt free date up to May 2019, before my youngests birthday. Because how cool will it be to say I am debt free before my baby turns 2?? 😍 So anyways, there’s my birthday/ debt free ramble. .
Are birthdays goal dates for you and your debt free goals? 🎂
#happybirthday #debtfreejourney #alaska #debtfreecommunity #goals #babystep2 #daveramseybabysteps
Happy first day of Fall, y’all! The truth behind this professional photo is paying $800 for a photoshoot and custom album. And honestly, I LOVE them! Every few years, my husband and I invest in good photography to mark milestones: wedding, anniversary, weight-loss: you name it. We have gorgeous photography around our house, plus we hire local photographers to support small business owners and artists.
date night!! Almost healthy fajitas, a corona, “No country for old men” on TV, after a busy day, I could not ask for anything better. Just have to decide if I want to go for another Corona or make myself a Gin Tonic 🤔🤔🤪 How is your Saturday going? Are you crushing your financial goal? What is everyone up to today?
has some amazingly energetic helpers! Do you have furry friends helping you get out of Debt too? 😜
Long post alert! 🚨It has almost been a year since we took a leap of faith and took some wedding money and started paying off our debt. Since then we have lived like no one else, so that we can live like no one else. In the last year we have paid off over $62,000 in principal. We have worked like we have never before, we have sold as much as we could that we were not using.
The most important thing that has helped us pay off over $60K is our BUDGET! This has changed our life forever. We have a zero base budget. During the last year we have both taken second jobs, we have almost paid off all of my student loans, we have paid off a car, one of us had a career change and went back to school.
During the last year the most consistent thing we have had other than paying off has been having each others back. We know that we are in this together and that we are doing this to provide our future family with an amazing future.
For those starting off let me tell you that if we can do this so can you. A year ago if you would have asked me where our financial situation would stand on September 22, 2018 I would just have looked at you and laughed. We are doing this!! This community has allowed us to share our highs, our lows, our triumphs and our mistakes. Thank you for letting us share our journey with you. Life is unpredictable but I am very excited for the next year of this journey!! .
#debtfreecommunity #debtfreejourney #cashisking #daveramseybabysteps #babystep2 #livelikenooneelse