#babystep2

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The amount we have allotted for Andrew’s student loans this month! We are just over 3 weeks away from paying our last student loan payment and BOTH owning our education!!! 🙌🏼#daveramseybabysteps #debtsnowball #babystep2 #daveramsey #debtfreejourney #debtfreecommunity #gazelleintense
This is the payment! First thing I did this morning before I even got out of bed or brushed my teeth!! (Thanks, smart phone!) With this payment, Big Daddy should officially be under $50K!!! These next few days are going to take forever to pass as I wait for this bad boy to clear!!! I don’t know why being under $50K feels like such a milestone to me, but it does. Something about being in the 40s feels so much lighter and less stressful than when I started out at $105K last year. I don’t feel overwhelmed now. I know I can attack this debt and that it will be gone (hopefully by the end of next year) forever in just a few more months. And then I will finally be free!!! #BringOnThe40s
My friends and family when I start talking about Dave Ramsey ...again! . I can’t help it, I want to shout it from the roof tops! 🗣 . #budget #cashisking #babystep2 #snowball #babysteps #debtfreecommunity #gettingdebtfreeindtn #debtfreeby30
Today is payday! I have been counting down the hours until today so I can start my debt snowball. One day I won’t have to worry about when the next payday is, but until then...YAY for payday! $$ • • • #debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtfreeliving #daveramsey #debtfreedom #debtisdumb #debtfreegoals #budget #budgetingtips #budgeting #daveramseybabysteps #babystep2 #financialfreedom #debtsucks #budgetmom #debtpayoff #totalmoneymakeover
EDITED: Pretty happy about this big fat payment! Also making the regular payment this week which will make our total month payment for November $1,205...3x the regular payment! I had a goal to pay a total $1500 this month but this is all I have planned at the moment.
I found the perfect teacher outfit on the clearance racks yesterday! The shirt was originally $39, but I got it for $11.40. The crazy patterned pants were $44, but were marked down to $7.97. I saved over $60 on this much needed outfit! 🙌🏼🙌🏼🙌🏼
My intention is not for this account to be all about paying off debt and managing money, however, I’ve hit such a milestone I HAVE TO SHARE IT! 🎉 For the first time EVER I am officially transferring money each payday into savings and emergency funds. 💰 I say officially because I’ve now been able to do it 3 times in a row.😍While it’s true that this $250 could be going into debt payoff, the past few months have been hard to stay focused and on-track. Paying “myself” first is a great reward for the effort! ❤️ Also, one of the key motivating forces behind why I’ve committed to not using credit anymore, is that I want the freedom to leave a job if I were unhappy, and I don’t want to live in fear of being laid off. 🦄 P.S. I love my job, and don’t plan to quit! . #payyourselffirst #debtfreecommunity #debtfreejourney #emergencyfund #behavioranalysis #reinforcer #postivereinforcement #aba #babystep2 #babystep3 #worktheplan #plan #budgeting #personalfinance #essentialism #onething #change #motivation #payday #bcba #socialservices #nonprofitlife
⚠️ Long Post Alert ⚠️ • On November 14th I made my last car payment on Tammy (my 2010 Honda Civic). I financed this car after undergrad because I thought that I needed and deserved a “grown up” car! So I sold my PAID OFF first car and financed this car 🤦🏾‍♀️ • I had no intention of paying off my car early until I started FPU 3 months ago. I was completely fine with just making the payments every month because that’s the norm right?! 🤷🏾‍♀️ • Well if the norm is being burdened with debt and payments then I’m good. If you’ve been on the fence about starting your debt free journey I’m here to tell you 🗣 IT REALLY WORKS! • Now it’s time to tackle my grad school loans. Navient you’re up next!
Again- our snowball is officially on pause while we are transitioning into our new job and new home. This is a bummer, but I know that once we are situated, we will be in a far better place to slay debt. . Mins all around! . #babystep2 #debtfreecommunity #snowballpaused
What would you do if you were in this situation? We currently rent a house for $900 per month. Our lease is up on April 7. She does not want to extend our lease and we will not be purchasing the home as it is 2 stories and we need a 1 story house. Rent in the area that we are looking to move to is kind of crazy, $1,500-$2,500 per month for a 3 bed 2 bath house and we HAVE to have 4 bedrooms because 3 sons and a daughter. Four bedrooms are even higher (told you we were blessed with being able to rent this home). I know we’re not “supposed” to buy a house while becoming debt free, but it seems to be the best and smartest option for us. We have weighed the pros and cons and are leaning towards a purchase. We are aware that if something arises, as homeowners it will be our responsibility to take care of it. What would you do? #getoutofdebt #payingoffdebt #daveramsey #gazelleintense #rachelcruze #formybabies #babysteps #babystep2 #financialpeace #financialfreedom #mindovermatter #twojobs #fulltimemommy #bosschick #ladyboss #putinwork #doinwork #budget #budgeting #everydollar #extramoney #debtfree #debtfreecommunity #debtfreejourney #frugal #savingmoney #onabudget #zerobasedbudget #debtfreenurse
5 days til Cabo! 🛫✌🏽i am so excited for this vacation because 1) i saved for it! 2) i have never been to Western Mexico & 3) I NEED A BREAK! 😩 school and work are killing me! . . . i am packed extra early because i have four shifts to work in between now and leaving on Tuesday. . . . i should have around $500 for this trip based on Friday's paycheck but honestly i don't plan on spending much. i obviously will be buying food and drinks but as far as doing things...i literally just want to nap on the beach 😂 but we want to snorkel so that will be booked! . . . what are your travel hacks to save money?
👊If you want something bad enough you will find a way, if not you will find an excuse 👊 - How bad do you want it? - At nights I am exhausted 💤 all I want to do is lay on the couch and watch TV...sound familiar? - That’s why I wake up at 530 am and work on ME in the FIRST QUARTER of the day ⏰ - If you wait until the 4th quarter you will be too tired 💯 - In my own life I wanted to volunteer more. My mind started saying..you are busy already - Then I asked myself, “How much time do I spend watching football on Sunday?” - Would I be more happy volunteering...YES 💡 - The redskins will win or lose regardless if I watch 😂 - Take sometime to look at what really makes you happy and ask yourself if there are ways to do more of that 🙌
Papers! (and a few randoms added in.) The never ending stacks of papers. We have two young children and they bring home papers six days a week (school and Sunday school). If I don’t share with the hubby and recycle it that night, our island quickly fills! We try to switch out their art that hangs in our kitchen/dining room and store it in their file boxes. (I hope to make photo books at some point.). Then there is just the regular mail! ♻️ #minsgame #happylife30daychallenge #cleartheclutter @thehappylifewithless #debtfreecommunity #debtfreejourney #debtfreedom #babystep2
BEST BOOK EVER! This book has changed my perspective on finances, gave me tools I was never taught! Now, The McFadden's are working on baby step 2! Watch out now! #totalmoneymakeover #daveramsey #babystep2 #financialfreedom #bestbook #finance #bookclub
Paid another $1000 to my student line of credit this morning! Yes, I did wake up at 4:45 on pay day because the excitement was just too real 😂 OFFICIALLY IN THE $2000s! If everything goes according to plan this will be gone by December 27 😱🤞🏼🤘🏼
😱 It’s actually £75 - our full food budget for the week. . But that’s including vodka for my sister and me this weekend, and a box of beer for the hubby. So actually, £52.00 for a week’s grocery shopping - including toothpaste, deodorant and kitchen roll - is pretty good. . Especially considering I spent £89.00 in Aldi last week, with NO alcohol! And this is also proof that if we stop drinking, we’d save a nice sum each week. . I’m quite pleased with this, as I didn’t do a proper food shop last week and only spent 25.00 on some bare essentials, using up what we already had in. Plus, I don’t have to go shopping tomorrow as I’m having it delivered! . What’s your weekly food budget? . #moneysaving #debtfreejourney #debtfreecommunity #moneygoals #financialgoals #financialfreedom #financialfreedomstartshere #moneymotivation #everypennycounts #misspennymoney #savemoney #savingmoney #moneysavinggoals #debt #debtfreecommunityuk #babysteps #money #stayathomemum #ukdebtfreecommunity #moneysavingexpert #debtfreegoals #blogger #moneyblogger #debtsnowball #babystep2 #debtfree #moneysaver #budget #budgeting #foodshopping @preview.app
Here’s the adjustments made due to the decreased check. Luckily this paycheck is the one with all the extra money because if it were to come out the 1st check it would have been rough. With all the snowfall recently I don’t anticipate us driving more than necessary so the $50 decrease will hopefully not be a problem. We did pay $40 extra to Star card the 1st paycheck, not as much extra as we usually do but at least it’s a bit over the minimum. If you’re wondering why we’re putting so much into savings rather than throwing it at the debt I did create a post about it to explain. ——————————————————————— #debtfreejourney #debtfreecommunity #debt #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #debtfree #minimalism #minimalistjourney #declutter
First cash envelope stuffing of Babystep 2! I was way too excited to do this!!! £210 to debt extra payment this month so far, and sinking funds first payments in envelopes 🤩😊#debtfreejourney #debtfreecommunity #babystep2
Frustrated... The check went in and it’s about $200 less than I was anticipating because of field time- you know what I mean if you’re familiar with the military. Now I have to rework my numbers and see what I can come up with.🤦🏻‍♀️ Side note: This is a biweekly check, not weekly pay. ——————————————————————— #debtfreejourney #debtfreecommunity #debt #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #debtfree #minimalism #minimalistjourney #declutter
I got approved to sell these babies on @pickyourplum So when I get the shipment in a few weeks, they will be listed on their sight. I’d recommend getting one before they sell out. Best gift for the new debt free friend! There will also be 2019 ones and individual ones offered in 3 different woods. They are available for pre-order in my Etsy shop linked in my profile. • #debtfreecommunity #debtfreejourney #debtfreedom #debtfreescream #debtfreegift #giftideas #gift #christmaspresent #daveramsey #daveramseybabysteps #daveramseyplan #debtfreelife #christmasornaments #ornaments #debtfree #frugalliving #etsy #etsyshop #etsyfinds #babystep2 #babystep3 #weredebtfree #keepsake #momento #memorykeeping #celebration #congratulations
I did six things to reduce my monthly expenses by $343.85 and free up my dollars to pay down debt. Click link in bio! #debtfreejourney #debt #budget #babystep2 #minimalism #frugal #daintydollar #millenials #financialfreedom
I'm of the mind we can save for it and keep running this car once its fixed untill it dies. He is angry beacuse he is just waiting for the next thing to break. My argument is buying a $1500 Car is not a good idea its going to break and not work right. I'm of the we save up and by a $2k to $3k car that won't be as crappy. It sucks cause we were ment to be buying a second car for me to do school run and errands next year but now that's out the window. #debtfreeby30 #debtfreejourney #debtfreecommunity #frugalmum #debtisdumb #debtpayoff #debtfreecommunityaustralia #ozdebtfreecommunity #frugallife #ozdebtfreejourney #debtfreeby2020 #debtsnowball #daveramsey #frugalmom #barefootinvestor #babystep2 #ozdebtfreejourney   #ozdebtfreecommunity
Customer Appreciation My Ass!! These companies are just trying to find a way to suck me into debt right before the holidays. NO THANK YOU!!! #debtfreecommunity #debtfreejourney #babystep2 #imnotweak
My boyfriend harvested a bunch of kale from our garden and I had to figure out how to put it to use. So... Kale and Potato soup for the week. $1.00 per serving. It's only that much because we eat really large servings. 😋 . . . #mealprep #debtfreecommunity #debtfreejourney #babystep2 #financialpeace #financialfreedom #frugal #daveramsey #getoutofdebt
Currently creating the budget for this upcoming paycheck, so when it hits tomorrow, I’ll know exactly how much I can send to Big Daddy to get that bad boy under $50K finally!!! I make a new budget for each month, divided by payday. I get paid twice a month on the 15th and last day of the month. I do a zero-based budget for every paycheck (check the link in my profile if you don’t know what that is). When the pay hits, I divide every penny of it into virtual or actual cash envelopes, based on the budget I created. I use actual envelopes for fun money and eating out and virtual envelopes for everything else. Then I always know at a moment’s glance how much I have to spend in any given category. Anyone else budgeting tonight?!
Hi 👋🏻 I’m alive, I swear. This post is a little late since it’s been a bit hectic. These training days are long and I’m so exhausted! ⚰️ . I put extra money towards food and gas since I’m training all week. So far my plan for only spending $30/day on food is barely cutting it (I have $105 left until the next check, ugh). I haven’t had time to update my expense tracker 😫 and I’ve been going to lunch with people I’ve met at training. I try to order under $10 per meal but it’s harder at some restaurants. . Also, this split doesn’t cover the money I put into sinking funds as well as debt payments 💳🔨 I’ve put an additional $83 towards debt payment so far this month and my goal is anywhere from $100-$200. My next paycheck will have a lot of OT so I should be able to make my goal of $200! Maybe even more?! 😊 . How much additional money did you put towards debt payments so far this month? November is almost half way through! 🙀 . . . #debtfreejourney #debtfreecommunity #babystep2 #debtsnowball #debtavalanche #budgeting #cashmethod #cashisqueen #ifitfitsyoirbudget #adulting #girlonabudget #brokemillenial #thefinancialdiet
Do you want to save money? Subscribe, like, and click the notification bell so you will be notified when I upload the video with some of my tips to save money this holiday and throughout the year. #debtfreejourney #cashenvelopes #moneyenvelopes #cashenvelopesystem #liveonabudget #planning #budgeting #livewithless #debtfreedom #budget #debtsnowball #babystep2 #daveramsey #daveramseybabysteps #budget #newyoutuber #getoutofdebt #debtfreegoals #planning
In an effort to be more grateful for my current position, here are the side hustles that I actually can participate in. I live in a small, rural town so there isn't a whole lot of opportunities for side work for cash. VIPKID is something I'm interested in, but living in the EST timezone and when my school starts, I'd only have time for 2 classes a day most likely. I KNOW that even just paying minimum payments, little snowball payments, and simply not adding more debt is already helping my situation. Every little bit helps though. Being a single income on this journey is tough. ________________________________________ #debtfreecommunity #debtfreejourney #debtfree #babystep2 #babysteps #teamsmallshovel #budget #debtfreeteacher #sidehustle
This book. 🙌🏻 The night before our wedding day we ran into a sweet old lady who was staying at the resort our wedding was being held at. We got to chatting with her and by the end of our conversation we invited her to our wedding! 😂 My hubby can talk to anyone at anytime. Love him. Anyways... She showed up, danced, and brought us a gift too! It was The Total Money Makeover by @daveramsey ! ▪️ Fast forward to just under 2 years into our marriage to when I actually opened the pages... [I do not enjoy reading] and I couldn’t put it down until I read the entire book! [did I mention I don’t read!?] that is how good this book is!! Thus began my extreme excitement about our budget and being debt free. I am more motivated and determined than ever before to demolish our debt and live like no one else so we can live like NO ONE ELSE! #debtfree #debtfeeecommunity #daveramsey #daveramseybabysteps #babystep2
Two weeks ago I had a job interview that I was very excited about. I felt that this position was the natural next step for my career. I would have had more responsibility, a better job title, and a larger salary. To my despair, I got a call this past Friday from the hiring manager and was informed that they decided to give the position to someone who already works for the company. However, out of everyone they interviewed, they felt that I was the best candidate to fill that employee’s previous position. After thinking about this different job opportunity over the weekend, I called them back and declined the offer. This was something I never thought I would do - declining an opportunity to work for a great company. But it didn’t feel right and I’m going to have to trust that a better opportunity will come my way. What about you? Have you ever had to make a difficult decision about your career? . . . #youngprofessional #budgetlife #debtfreegoals #spendinghabits #debtsucks #financialadvice #financialpeace #debtfreecommunity #wordhard #financialfreedom #financialindependence #budgeting #studentloanssuck #spendwisely #spendingmoney #personalfinance #babystep2 #moneytips #mindfulliving #daveramsey #debtfreeliving #debtsnowball #financialadvice #financialfitness #savingmoney #debtfreejourney #debtfree #debtisdumb #workhard #goals
What baby step are you on? * * * * BS2 here 🙋 I am much more "Dave Ramsey ish" then full on committed. Personally I use one credit card as a debit card and pay the balance every Friday. This card NEVER carries a balance. My other card is set up so all my bills that are auto pay and is also paid weekly. My third card is the one I actually consider debt, it has a balance of about $800. Obviously not the true Dave way but it's what works for me, there is no one size fits all solution to personal finance. Personal finance is just that, personal. * * * * * * #debtfreecommunity #babysteps #bs2 #babystep2 #daveramseybabysteps #daveramsey #daveramseycommunity #budget #personalfinance #debtfreeliving #debtfree #debtfreejourney #debtsnowball #followme #budget #discover
I’ll be damned if this isn’t true, though I think I’d be lucky if it’s only cost $10,000 up to this point 🤷🏼‍♀️
Another day, another financial goal crossed off for the month !. We have added $500 into our Home loan account. I like knowing we are always ahead on our home loan repayments, especially because we work for ourselves. #novembergoals #barefootinvestor #savemoney #daveramsey #debtfreecommunity #kickinggoals #debtfreejourney #babystep2 #ontrack
I’ve been considering getting a second job for a while now. I really don’t want a ton of hours just because I do face some health issues right now and I’m concerned about stretching myself too thin, but a little extra income would help a lot to make ends meet and still throw extra money at my debt! We’ll see if I get an interview! . . . #debtfreejourney #debtfreecommunity #debtfree #debtfreeliving #money #goals #finance #millenials #frugal #frugalliving #financialfreedom #daveramsey #babystep1 #babystep2 #budgeting #budget #personalfinance
Feeling stuck this month. We are on the cusp of some major changes... my new job, hubby going back to work but I am feeling discouraged that the numbers aren’t moving as much as I want. I know it will come. Saturday is the beginning of a new budget for us and my last day at my job and it can’t come fast enough. What do you all do when you feel discouraged? #debtfreecommunitycanada #daveramseybabysteps #gazelleintense #debtfreecommunity #babystep2
If I didn’t already know that these were related to a customer service issue, the mail today would have terrified me. #studentloans
The social security interest finally arrived (will get the rest of the payout this summer) its also much lower than i had hoped BUT we can’t fully agree where it needs to go so decided that I would transfer it to my savings and wait until all our holiday pay clears 🤷🏼‍♀️ I had him convinced to do #themonsterloan but he now thinks the money from the stove sitting on the cards needs to come first. My rational was the loan has more interest and once paid off we have $194.29 to put somewhere else. its only $605 difference to pay the loan first. So for now we save it. #debtfreecommunity #debtfreejourney #babystep2 #financialfreedom
I can’t believe it’s almost here! I was so scared that Dave was going to retire before we got to do our scream. 😂I’ve been watching debt free screams to gather some of the questions Dave will ask. We’re heading to Tennessee this weekend and we’ll be staying with my family except for a night spent in Nashville. 🤗 • • Reminder: We’re having a #debtfreecommunity meet up on the 20th in downtown Nashville. Message me for event details. Husbands and kids are welcome! • • #debtfreecommunity #debtfreeinsunnyca #debtfree #weredebtfree #debtfreejourney #emergencyfund #babystep2 #babystep3 #budget #zerobasedbudget #daveramsey #financiallyindependent #fire #frugal #savemoney #cashenvelopes #cashisking #debtfreescream #thedaveramseyshow
I LIVE FOR MATCHING PAJAMAS! I’ve had the past 10 days off work (what’s up paid vacation) and I’ve been in my element! Pajamas, planning and my happy planner. What are your biggest questions regarding budgeting? Feel free to slide into my DM’s 😘😉
Hey guys! I’m in a little bit of a pickle! I’ve been hearing a lot recently that you should have engagement/wedding rings insured. And I have questions! Do you have yours inured? Is it worth it on your #debtfreejourney ? Where do you have your rings insured? I want to avoid another expense but if I need it then I’ll get it! Comment below your thoughts! Thanks #debtfreecommunity 💰💍💕
Currently reading the book ‘Careergasm’ and seriously its pretty dang awesome!😳 . If you’ve ever blamed a job for your unhappiness, maybe you just need more direction in life (like the #debtfreejourney ) in order to feel like you are working towards something in life. . Thanks Sarah🙏 @careergasm careergasm . #rn #nurse #nurselife #hospitallife #registerednurse #grateful #thankful
Got my VW bug brand new in 2016, minimum payments for 2 years. 2 months ago I started to attack it. Love seeing this progress 🚘#daveramsey #debtfreecommunity #debtfreejourney #babystep2
This is basically how I feel all the time now. I feel like I'm making NO traction (this is a recurring theme here ya'll) and I know it's an income problem. I know I could probably squeeze a liiiiiittle bit more out of my budget, but not much. I need to make more money but teaching and side hustles are tough. Little traction has been made but I've been thinking about long term planning more and more lately. I think next week when I'm off work I'm going to put together a dream board for 2019 and a 5 year plan for myself. I just feel BLEH lately. Not adding more debt but not paying off a whole lot more than minimum payments. ____________________________________________ #debtfreecommunity #debtfreejourney #debtfree #babystep2 #babysteps #teamsmallshovel #budget #debtfreeteacher #sidehustle
Re post, saw this #sarahsanderson comic today and it was too perfect. Small steps go a long way 👊🏻#debtfreecommunity #debtfree #daveramsey #debtfreejourney #babystep2
Yo, I’m Ashley. I’m about to share some stuff that not many people know about, so please bare with me. This is hard, and just thinking about it triggers me so hard. 😔 I have OCD. Like bad. I went through therapy as a child, and that helped me get over the germaphobe side of things... but I still have ticks and rituals that haunt me daily. These include, praying constantly in my head, pinching my right thigh, grinding my teeth in the right side of my mouth, setting my alarm to odd numbers only, scrunching my nose, biting my cheek, counting everything in sequences of 7, and so many other things that I could write a book. All I know is my brain is telling me if I don’t do these things something bad will happen. 🤷🏼‍♀️ Can you relate at all? OCD comes with many comorbidities such as ADHD, anxiety, depression, etc. and it’s hard! Every day is really hard, but I CHOOSE to be successful. I choose to educate myself and find workarounds that suit me better than the “normal” brain. I used to be so ashamed of this diagnosis, but now I am DAMN PROUD of all that I can overcome... I can do hard things, and you can too. 💖
How y’all feeling about college these days? 👀 Y’all agree with Dave or Nah
I don't give a rat's butt how dumb I look!!! 😂😂😂😂😂😂 #IDIDIT #imightlooklikeafoolbutimadebtfreefool I paid off $55,385.76 in 27 months... That took selling the only possession I ever truly cared about, teaching about $10,000 dollars worth of English classes to Chinese babies, barely buying any clothes for myself, shopping Aldi with a budget faithfully, and getting maybe 3 haircuts the whole time. In the middle of this, we cash-flowed a year and a half of private school tuition, a couple of carefully planned awesome vacations, unexpected medical expenses, and a lot of visits from Murphy('s Law). Don't tell me you can't... Tell me how you're gonna do it. Attack it relentlessly... Don't be a SLAVE TO THE LENDER! Set yourself up to be an equipped giver and a wise investor! #IMDEBTFREE EEEEEEEEEEE!!!!!!! PS- My staff are the best. Look what they put on my door in the second picture!!! 😂😂😂 #debtfreejourney @daveramsey @dee1music #daveramsey #babystep2 #financialfreedom #icantbelieveit #gazelleintense #livelikenooneelse #beastmode #debtisdumb #debtfreecommunity #thedebtfreecommunity
I’M UNDER THE 500’S 🙌🏼🙌🏼 I have been trying to get under a $500 monthly student loan payment since May, and y’all it finally happened with my last payment!!! I’m so excited I could burst. My student loans come due this December, and I have been working my butt off trying to get my monthly payment as low as possible. When I started making payments in May, my projected monthly payment was a whopping $638 per month. When I started paying it down, I didn’t really have a goal in mind other than just lowering the amount any way possible. As time went on though, I started thinking that the 500’s would be nice. And then that under 500 would be nice. And now I’m here 💪🏼☺️ I’m finally beginning to see that this debt paying thing really does work. I’m feeling so good about this and I’m so ready for December. #debtfreecommunity
LESS than $25 home improvement project...Accent Wall. Out with the lime green in with Classic Navy. I love the new color. I liked the old pop of color, but slowly switching the house to more classic colors like Navy & White❤ #classic #navyandwhite #cheaphomedecor Hubby gave me a giftcard to #Lowe 's for my birthday.🎂 #homeimprovement #design #fallinlove #budget #money #bs2 #babystep2 #DIGGING_OUT_OF_DEBT @digging_out_of_debt #selfreliance #loveyourhome
The thought of completing starting over from scratch and rewriting my life crosses my mind occasionally. I get this urge to switch careers, start my own business, dye my hair lavender, move to a new state where no one knows me and start over! This urge for change comes in strong waves and sometimes I don't even know where to start. I've expressed to you all my fear of becoming complacent in my daily routine (commute, work, sleep, repeat). I want soo much more out of life, there is so much more! It's tough though, because our good old friend Comfort Zone makes himself apparent and sort of scares you into not making any changes. I am a creature of habit and routine, as someone with anxiety, I like to feel comfortable and safe. Sometimes that means, I won't take risks or change something that needs to be changed. We have to remember though that change can be good! The only constant in life is change. With that being said, I've been feeling an urge to change something, I don't know what... Maybe my subconscious wants me to change my environment and start over. I'm not opposed to it, but I'm also not opposed to my comfort zone either. Being in the debt free community and taking my budget seriously has been a great change! A huge game changer!! We are shaping our futures financially so that we can make huge life changes without worrying about how we're going to pay our bills or survive. Do you ever feel this way? What's something in your life you'd like to change? • • • • • • #debtfreecommunity #daveramseybabysteps #daveramsey #babystep2 #babystep3 #budget #minimalism #debtfreejourney #debtfree #minimalist #frugalliving #frugal #journey #money #moneymanagement #cashenvelopes #money #invest #totalmoneymakeover #fpu #financialfreedom #budgetplanner #budgeting #saving #savings #debt #money #goals #mealprep #minimalist #minimalism #rachelcruze #suzeorman #likeforlikes
Tonight is boxed potatoes from Aldi and leftover crumbled steak burger, mushrooms and onions from last night mixed in. Did I want to go out? Absolutely but I can cut expenses this way and get closer to our goals. #debtfreecommunity #debtfreeplan #daveramsey #babystep2 #financialpeace #leftovers #frugal
Life Hack... take a sharpie and write the date you opened cheese or any other disposable package #nowaste #lifehack #sosimple #DIGGING_OUT_OF_DEBT #menuplanning #dfc #bs2 #babystep2 #debtfree #selfreliance #selfreliancejourney #debtfreejourney #money
Boom shakalaka 👊🏻 i cannot wait to write some checks and officially be debt free! It’s days away!!! #debtfreecommunity #zerobasedbudget #babysteps #babystep2 #debtsnowball #daveramsey #livelikenooneelse #sold #debtfree
Pay day today. Not sure how much im actually spending on our budgeted expenses anymore. Trying to cash flow this car but we still have to get it home. Why is towing so expensive? #debtfreeby30 #debtfreejourney #debtfreecommunity #frugalmum #debtisdumb #debtpayoff #debtfreecommunityaustralia #ozdebtfreecommunity #frugallife #ozdebtfreejourney #debtfreeby2020 #debtsnowball #daveramsey #frugalmom #barefootinvestor #babystep2 #ozdebtfreejourney   #ozdebtfreecommunity #murphy
Well I finished the 1st podcast I’ve ever listed to per the recommendation of @thefrugalfreaks I really enjoyed @ghettoghazelle but while I wait for a new episode does anyone have any recommendations??? I listen at work to keep myself focused so I need something light, I’m not into scary stuff normally but I really enjoy history and day to day stuff. I honestly have no idea where to even start? #debtfreecommunity #debtfreejourney #inspiredbydave #podcast #frugalfun #frugalAF #budgetlife #freeentertainment #babystep2
That side hustle game • Breathing a slight sigh of relief as our Christmas shopping was cut short as hubby was called into work to tidy a few things up. This morning he dropped off a few materials and got the $279 plus whatever he’ll make this afternoon. Hopefully the other site starts up soon and the guys can get organized enough to start these other sites and keep hubby working. Until then snowflake payments it will be to debt 🙋🏼‍♀️😊 • • • • #debtfreecommunity #debtfreecommunitycanada #babystep2 #sidehustle
Happy Wednesday night y’all! It’s date night for the Hintzes. 😘 We ADDED weekly date nights while we were aggressively paying on our debt snowball. I just published a blog post and wrote about WHY we decided to add date nights into our budget. We made this decision even with crazy *aggressive* goals to crush student loans. • Not going to lie, when we first discussed the idea, it was pretty overwhelming. How would we come up with so many date ideas? How do we pay for it? Isn’t that a lot of work to plan?? I unpack all of those Qs in the blog post. We really needed set aside time to connect and our marriage is stronger because of this intentional decision. • Blog post link is in my profile. Give it a read and tell me what you think about weekly date nights! • Thank y’all for the support as I get the courage to post more of my writing on the internet. ☺️ 🖥 • #debtfreecommunity #babystep2 #debtfreeliving
We have done it. This just looks like a bunch of numbers, jumbo, mess. But it’s our budget. (We have actually written it all down on paper with what is going where) The list has been checked over twice. 6.63 remaining which will just hang out in our account. Here’s to executing the budget until the next paycheck.
This is why I do what I do. This is my goal. . . ❓: what’s your why?
Mom guilt is alive and well up in here! Can I get an amen! Good golly! Honestly though, can we just cast that demon on out of here. 👹😅😂 . The crappy truth about debt is that it keeps you from doing what you are really meant to do. Both me and my husband push ourselves everyday to succeed in this #debtfreejourney . I’ve been blessed with an education to help people, a desire and skill to create art, and a passion to take care of my family in every way. However, I am worn very thin; leaving me with looming “mom guilt” at the end of the day. . Something isn’t quite right... I capture every moment I can with my son but it just doesn’t seem like enough for me. All I know is, once this debt is paid down, Mama’s gonna have a lot more options. 💕 . Are you a fellow mom doing what you gotta do, until you can do what you WANT to do? Have you found a happy medium between family and work? Let’s support each other. It’s a tough job y’all!🙌🏼 . . . #debtfreecommunity #financialpeace #babystep2 #totalmoneymakeover #livelikenooneelse #momgoals #momlife #momguilt #frugalliving #gottagotowork #sidehustle #liveyourlife #daveramsey #debtfreejourney #financialindependence
Meal plan struggles, y’all. I’d much rather get the bowls but for the price/size ratio it doesn’t make sense for our tight grocery budget. I try to always buy store brand unless there’s a sale/coupon that makes the prices comparable or a good rebate being offered. We also typically order it for pick up to avoid any impulse buys that we get when walking around in store. How do y’all save money when grocery shopping? ——————————————————————— #debtfreejourney #debtfreecommunity #debt #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #debtfree #minimalism #minimalistjourney #declutter
Update: this netted a fabulous £32.70 which is going straight to #babystep2 (it will pay off 0.87% of it!) One for the #debtfreecommunityuk - you can get a refund on unused oyster cards. Will update what I get later as the #TFL website keeps crashing - hoping it's 30 quid to bring my #emergencyfund to 400. #frugalwin #frugalliving #babystep1 #daveramsey #oystercard #debt #frugallivinguk #savingmoney
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