#budgetgoals

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It’s Sunday night, tonight we’re at community church event. It’s a big free event in a community in a town about 20 miles into the country from us. . We’ve actually got most of the next 10 days planned out and most of the Christmas themed things we are doing to fill our family’s festive spirit are free or at home. . We love this time together as a family. We’d write more but want to get back to our time together. . . . . . . #fullfamilybudget #debtfreeliving #debtfreejourney #debtfreecommunity #paychecktopaycheck #paycheck #familyfinances #familybudget #budgetbybankaccount #daveramsey #financialfreedom #budgetgoals #debtfreedom #financialpeace #debtfreelife #frugalliving #frugallife #budgetlife #babysteps #christmas #mainstreetbethleham #christmasevents #familytime
I well and truly stepped out of my comfort zone this past week. • After a pretty traumatic time the previous weekend (Which took a massive hit on my mental health), I turned to my credit cards once more for some emotional spending on things I REALLY didn’t need. • I knew that while ever the credit cards were available to me, at this present time the temptation to spend is just too much for me, so I did something I never thought I’d do. I cut up my credit cards. • For years I convinced myself I needed them for emergencies, but full disclosure? Not once in all of the years I’ve had credit cards have I actually used them on an emergency. Only consumer debt... • I realised the excuse the little devil on my shoulder was giving me just wasn’t enough to justify the cards anymore, so they got the snip! ✂️ • It’s been the best decision I’ve made. It’s already stopped me from buying a Windows Surface that I started to convince myself I needed (my OH’s Dad has one and it was just pretty!). Without the CC that was a no go, and I don’t even want one now anyway! 🙈 • In terms of emergencies, one of my 2019 goals is to save £1000 for an emergency fund, so that will be covered anyway. • Is this what being an adult is?! Who even am I?! 😂 • #debtfreecommunity #debtfreecommunityuk #debtfreejourney #ukdebtfreecommunity #debtfreeuk #debtfreelife #debtfreelifestyle #debtfreeliving #creditcarddebt #budgetlife #budgetlifestyle #budgetliving #budgetblogger #budgetgoals #debtfreegoals #budgetplanning #frugality #frugalliving #frugallife #frugallifestyle #frugalblogger
Successful day of shopping and miraculously no moaning from the kids! Cooker hood- done. Bathroom floor and wall tiles - done. Utility sink - (under budget in Ikeas bargain basement!) - done!. We may have changed our minds on the family room flooring from vinyl to tiles......watch this space! @bandq_uk @ikeauk . . . . . . . . #kitchendecor #kitchenideas #budget #budgetgoals #theweekend #newhomeideas #newhomeinspiration #diy #kitchendecor #builder #renovation #familyhome #openplankitchen #openplanliving #livingroomdecor #utilityroom #utilitydecor #flooring #walltiles #floortiles #bathroom #bathroomdecor #vinylflooring #kitchenfloor #kitchentiles #cookerhood
We’re in our 30’s and we talk regularly about how we can instill a good sense of financial planning in our children. There’s so much in this world to spend money on, choosing where to spend it to MAXIMIZE experiences it’s a vital part of that, not the enemy of it. . Debts from fun adventures set many folks, including us, back years in their plans. Having fun and caring about money are NOT mutually exclusive things. They should go hand in hand. . We still make mistakes, this year we made a big summer vacation. We spent a lot of time planning it as the trip got closer it got harder to control. . . . . . . #fullfamilybudget #debtfreeliving #debtfreejourney #debtfreecommunity #paychecktopaycheck #paycheck #familyfinances #familybudget #budgetbybankaccount #daveramsey #financialfreedom #budgetgoals #debtfreedom #financialpeace #debtfreelife #frugalliving #frugallife #budgetlife #babysteps
Just did an ASIC search for unclaimed monies in my name. Good news is, there isnt any, bad news is... there isnt any! If you want to check head to:https://www.moneysmart.gov.au/tools-and-resources/find-unclaimed-money #debtsnowball #debtfree #debtfreecommunity #debtfreejourney #aussiedebtfreecommunity #barefootinvestor #debtfreeaussie #debtfreegoals #financialfreedom #finance #debtfree #money #ozdebtfreecommunity #budget #budgetgoals #budgetplanner #babysteps #snowball
Shipped hubby off to the house for a few hours to finish some jobs while I'm snuggled in front of tv with kids watching Matilda. We have a full day ahead of tile shopping and flooring shopping for bathroom and downstairs. This is the bit I've been waiting for!!!!!!! . . . . . . #kitchendecor #kitchenideas #budget #budgetgoals #theweekend #newhomeideas #newhomeinspiration #diy #kitchendecor #builder #renovation #familyhome #openplankitchen #openplanliving #livingroomdecor #utilityroom #utilitydecor #flooring #walltiles #floortiles #bathroom #bathroomdecor #vinylflooring #kitchenfloor
Pizza night! . We usually do pizza & a movie on Friday, but we went to look at Christmas lights last night instead. . My kids love this pizza crust from @cookieandkate (and we’ve tried a lot of different ones!). The first one is theirs, plain cheese, the second is ours, corn & jalapeño with a basil sauce (using up what I had in the freezer!!). The crust is easy & fast and tastes great!! . #debtfreegoals #babystep2 #momlife #debtfreecommunity #debtfreejourney #budget #budgetgoals #pizza #pizzanight #budgetmeals #movienight
Following @thesmartfi 's lead and calculating the interest we paid this year. In the three years of owning our home, we have paid a lot in interest! We bought a 3 bed townhome for $229,000 and put $200,000 down on a 15 year VA loan at 3.25%. We paid a lot to it this year but still owe about $95,000 on it. We paid $262 this month in interest. Considering our home value is now about $310,000, we will probably come out ahead once we sell! Especially since we have a temporary roommate in our basement paying us $600/month. We are putting that money in our high yield savings account for now. Though we wanted to move last year, we are happy we are staying until we sell it before living in Germany in 4.5 years. We plan on using what we make on the sale for our next down payment on what hopefully will be our forever home for our family. The ranches we like are 500-600,000 so how cool would it be to put almost half down? Especially if interest rates are higher. #inspiredbudget #financialindependence #budget #fi #fire #invest #financialfreedom #decembergoals #familyofthree #budgetgoals #debtfreecommunity
I had my first “No” since beginning our debt free journey. . We planned to mail letters to Santa & grab hot chocolate with friends this week, which I had budgeted for. The morning we were going my friend texted if we wanted to grab dinner after. Normally I would’ve said yes, it’s late in the week, I’m tired, etc but I know we’ll need our restaurant cash for next week when we’re traveling, so I said no. I’m not going to lie, it was hard. . Instead, the kids mailed their letters, we walked around our cute village, and then grabbed hot chocolate & coffee and came home to have dinner. . I know these things will become easier and I’m glad I have that $50 that would’ve gone towards a meal out, but I feel like this is definitely going to take practice for me!!! . #debtfreegoals #babystep2 #momlife #debtfreecommunity #debtfreejourney #daveramsey #budget #budgetgoals
This year has been a tough, well more the last couple of months. And after thinking about what yould be best for me and what I need to do to get to that place of being happy I decided that I will be moving away from Orange County. Its hard to actually come to that decision but it was one that once I found the reason why it just made sense. So with that comes soooo many changes. I am sooo thankful that I am in the position of being able to transfer to another location not only with my Full time but as well with my part time job! This to me is amazing and honestly knowing this made the decision much easier. Now with this my budget will be changing. Since I will be moving back home I will actually be saving sooooo much money that I will hopefully be done with my snowball way faster. I havent done the math and I kinda dont want to just because I know myself and if I do that I will make excuses for myself to spend money that I do not need to do. But I am hoping that with this I can actually be on Baby step #3 by April 2019! Im crossing my fingers that its sooner than that!!! This is good change! I cant wait! 2019 I am hoping will be a better year for me! #debtfreecommunity #daveramsey #financialpeaceuniversity #debt #debtfreejourney #debtsnowball #babystep1 #thetotalmoneymakeover #budget #zerobasedbudget #debtfreejourney #goals #debt #financialplan #fpu #llnoe #daveramsey #budgetgoals
One of the best things my husband and I ever did during this journey was implement the use of the envelope system. I’m so happy we started this early on. It has made budgeting easier and more organized. And kind of fun, cause I’m a nerd. = = I used to think we were “on a budget” but just telling myself we wouldn’t spend too much money that week. Then my husband and I would just use our debit cards for everything (mostly eating out)… & end up with no money left over to pay debt or to put into savings. Then we’d be in a bind with no money, and we’d break out the credit card.  It was a horrible cycle, but it also felt so “normal”. = = We have an envelope for each of these life necessities: -Groceries -Gas for husbands car -Gas for my car -Doggy fund (for our furbaby) -Car Maintenance (never know when future repairs are going to be needed) -Laundry (we don’t have a washer/dryer in our home…yet) -Home Renovations (we own a fixer-upper, purchased before we knew about Dave Ramsey) -Dinner and Drinks (for once a month date nights) -New Washer & Dryer -Wedding Envelope (we are at that age where everyone around us is getting married, so lots of bridal showers & weddings to give gifts at) -Vacation Envelope (we are planning a trip for 2020) -Misc. (for who knows what)
My life wouldn’t be complete without some #goals and @amazon packages in the background . You would think having an accountant for a boyfriend would help me budget better and spend less on things I don’t need, but you’d be wrong. Since I won’t need my usual “get in shape” New Years resolution MAYBE (definitely) it should be managing my money better. We shall see🤷🏻‍♀️ . . . #smileforthecamera #cupsfordays #fridayselfies #shoppingaddict #onlineshoppingaddiction #spendingproblem #accountant #welcometomylife #budgetgoals #newyearsresolution #middaythoughts #happyfriyay #fridayvibes #weekendvibes #girlfriendlife #apartmentliving #fitish #fitnessgoals #athomeworkouts #myfitnessjourney #newyearnewme #newyearplans
“Working” lunch . . . I’ve already completed the #fpu videos, but each day when I sit down to eat lunch I watch a small portion of them again. I’ve noticed things I didn’t the first time around and it just helps to keep me motivated on this journey! #debtfreegoals #babystep2 #debtfreecommunity #debtfreejourney #daveramsey #financialpeaceuniversity #budgeting #budgetgoals #lunchtime #motivation #budgetmotivation
What do you desire? For me, its financial freedom. I know this is steeped in numerous forms of privileges, but I hope to use this capital as a way to enhance my family, blog, community and myself. #budget #budgetgoals #excel #mint #financialfreedom #personalfinance #personalfinanceblog #personalfinanceblogger #instabudget #home #food #clothes #family #car
There’s so many things I hate about this picture I took as I’m sitting in an airport in Ireland waiting to fly back to Texas. . I’ve travelled a lot for work this past two months. Which has been a great privilege in many ways. I’ve truly enjoyed meeting so many people and seeing different parts of the world. But oh the ability to budget well goes flying out the window. . From a budgeting perspective it’s a real challenge. 1) our corporate credit is an AmEx, which outside of America is not widely accepted. This means I have to rely heavily on cash. 2) as many of you know, we AVOID both CASH and CREDIT! 3) I’m left with currency that I have to exchange but will lose money on that I can’t reclaim. 4) it is time consuming to keep track of cash expenses. Which is why we #budgetbybankaccount and keep multiple debit cards in stead of envelopes. . I’m excited to get back into normality and back on our usual budget and spending strategies. I’ll post in the next couple of days how I am getting back into the grove and getting rid of this cash! Don’t forget to follow us for that! . . . . . . #fullfamilybudget #debtfreeliving #debtfreejourney #debtfreecommunity #paychecktopaycheck #paycheck #familyfinances #familybudget #budgetbybankaccount #daveramsey #financialfreedom #budgetgoals #debtfreedom #financialpeace #debtfreelife #frugalliving #frugallife #budgetlife #babysteps #travelgoals #travel #cashisking #currency #currencytrading
Visual reminders are a great way to keep track of your debt or savings goals! A giant progress bar that shows your goals and can be filled in each time you take a step towards your goals, such as pay a bit more off your debts or put more towards your savings, will help you keep focused. Make sure it’s in a place that you will see it often, like the fridge door, so you can keep your eye on the prize. . . . . . #budgetbuddy #ineedabudget #debtfreelifestyle #debtfreejourney #debtfreegoals #budget #extraincome #adult101 #budgettips #paychecktopaycheck #financialfreedom #debtfreeliving #financialpeace #payday #personalfinance #budgeting #creditcard #budgetplanner #debtrepayment #nomoreloans #nomoredebt #lifeonabudget #budgethacks #budgetgoals #budget #cashenvelopes #moneysavingtips #budgetfriendly #savemoney
Budgeting is important, but you're set up for a loss if you and your spouse aren't on the same page. Tolga and I try to do weekly check-ins with our finances, both personal and home. This sometimes leads to heated discussions, but at least we aren't naive when it comes to our money.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Photo credit: Ben Rosett on @unsplash ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #budget #budgetgoals #excel #mint #financialfreedom #personalfinance #personalfinanceblog #personalfinanceblogger #instabudget #home #food #clothes #family #car #marriage
Late and Sleepiness nights, notebooks full of business plans and budgets, conference calls, walking away from anything that doesn't benefit our family or our goals, setting milestones and surpassing them, speaking up to get what I deserve, not thinking a task is beneath me if it means reaching my goals, healthy discussions about our next move as a family, talking investments and real estate at the dinner table....yep, my little man sees it all.. he's a Son of-a Hustler On a path to create generational wealth... #finance #money #savings #debtfreecommunity #debtfreeliving #save #payoffdebt #millenials #financialfreedom   #plan #debtfreegoals #moneygoals #credit #creditgoal #creditscore #debtsucks #studentloans #work #invest #budgets #budgeting #parenting #interest #emergencyfund #spendingwisely #budgetgoals #adulting #generationalwealth #hustle #familyhustle
Today, I updated all of my expense trackers with my receipts. I failed with one envelope for this month's $10 cash envelope savings challenge, but I'm on track for the rest of my envelopes. I have been using the cash envelope system for almost 6 years, and I can honestly say it has changed the way I budget and manage my money COMPLETELY. There is a reason I incorporated the cash envelope system into my method - because it works and showed me signs of success. Over the years, I have found ways to make the system easier. Today, I wanted to share some tips on how to use the cash envelope method successfully in your life. 1. Don't just stuff them with random amounts. In order for your envelopes to work, you need to make sure that your cash limits align with your real life spending. It's not about how much you WANT to spend, it's all about what you're REALLY spending. It starts with tracking your expenses. 2. Tweak, perfect, and change your cash envelopes if they just aren't working. If you have a cash envelope that isn't providing value to your budget, get rid of it. If you are constantly running money out cash in one envelope, increase the limit and decrease another. Need to make another category for a problem area of spending, go for it if it truly helps you control and overspending. Don't be afraid to make it your own. 3. Your envelopes can hold more than just cash. SAVE THOSE RECEIPTS. I get lazy every now and again, and I go days without updating my trackers. Keep those receipts so you can come back to it later when you have time. 4. Only carry the ones you need. Don't walk around with 6 cash envelopes in your purse. Plan your daily spending in the morning, and only bring the envelopes that you will use. 5. Cash envelopes aren't just about budgeting, they're also about spending. Use that to your advantage and find ways to save your cash. Create challenges for yourself to find dollars you didn't know you had. You can find a step-by-step article on how to start using the cash envelope method by clicking the link in my bio. You can be successful with this system. Don't give up before you give yourself time to see it❤❤ #cashenvelopesystem
Thanks Chase! Can't wait to be done with you someday however! We have a 15 year, 3.25% mortgage and have already paid 52% off in 3 years! But we won't be very aggressive at this point as it's such a low interest rate. We have $95,800 left and pay about $250/month in interest. I think we have about 7 years left now. I do look forward to that number going down with our monthly payments! #financialindependence #budget #fi #fire #invest #financialfreedom #decembergoals #familyofthree #budgetgoals #debtfreecommunity #mortgage
We started with 185k and we are now so happy that we are under 70K! So thankful we are still on this journey and motivated to keep going! 🙌🏼😭#hellosixties #merrychristmastous
It has taken me YEARS to finally find a budgeting method which works for me. On today's blog post, read more about how I finally found a budgeting method which works for me. @sweetfrugallife #budget #budgetgoals #excel #mint #financialfreedom #personalfinance #personalfinanceblog #personalfinanceblogger #instabudget #home #food #clothes #family #car
Here’s another double duty recipe of ours, breakfast cookies! This morning I served them with cut up apples and tomorrow they will go into the kids snack containers. Not only are they really good for you, but they only have 3 ingredients and come together in no time at all! Comment below if you’d like the recipe! . . #debtfreegoals #babystep2 #momlife #debtfreecommunity #debtfreejourney #breakfast #breakfastideas #kidsfood #breakfastcookies #budget #budgetgoals
Cause sometimes you need help finding the silver lining..... hope these 5 tips help you through your day in the office (or wherever you managed to drag yourself into this morning) #finance #money #savings #debtfreecommunity #debtfreeliving #save #payoffdebt #millenials #financialfreedom   #plan #debtfreegoals #moneygoals #credit #creditgoal #creditscore #debtsucks #studentloans #work #invest #budgets #budgeting #parenting #interest #emergencyfund #spendingwisely #budgetgoals #adulting
Rough week this week. I love my job but I've lost a bit of respect for my employer... 4th round of redundancies the last 24 hours, in 2 years... I've been lucky but makes you wonder when ur numbers up...
How do you treat yourself without spending money? My solution recently has been gourmet hot chocolate! Although I had to invest about $10 up front for all the needed ingredients, I now have wonderful sweet treats to help me avoid Starbucks! That $10 will probably make me about 20 hot chocolates, so no complaints there! To my regular cocoa mix I add peppermint coffee creamer, chocolate syrup, whipped cream, and peppermint bark! #debtfreecommunity #debtfree #savingmoney #budget #budgetgoals #debtfree #debt #debtisdumb #debtfreejourney #studentloans #hotcocoa #treatyourself #budgettreats #cheaprewards #cheaptreats
Your car. This little bugger can have a lot of unexpected costs. Do you budget for car maintenance, gas, tolls and other car-related items?⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Photo credit: Steinar Engeland on @unsplash ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #budget #budgetgoals #excel #mint #financialfreedom #personalfinance #personalfinanceblog #personalfinanceblogger #instabudget #home #food #clothes #family #car
Second Hand.... . . We’ve had a rough fall with clothes and my middle child. He’s on his 3rd winter coat and now his 2nd pair of rain boots. Thankfully we have several consignment stores nearby and I’ve been able to replace these items for a fraction of the cost, while using my “kids clothes” sinking fund. Now, fingers crossed we have a good streak!!!! #momlife #debtfreegoals #babystep2 #budgetgoals #secondhand #kidsclothes #bogs #debtfreecommunity #debtfreejourney #sinkingfunds #livelikenooneelse #daveramsey
He run out of plaster board!!! Hubby was at the house tonight doing insulation and plaster boards in utility and had this one tiny bit too short!!! I laughed a little...he did to but how frustrating! All the insulation for the new family room and utility has turned up and it's making me all warm just looking at it! This bit seems so slow but I know our lovely nephew/plumber is working hard...this weekend I know will bring beautiful things....no post tomorrow as works Xmas party and I will be having too many glasses of fizz!!!! 🥂🥂 . . . . . . . #kitchendecor #kitchenideas #insulation #dampproofing #budget #budgetgoals #boiler #watercylinder #newhomeideas #newhomeinspiration #diy #electrician #electricsockets #kitchendecor #builder #ocdbuilder #renovation #familyhome #openplankitchen #openplanliving #utilitydecor #utilityroom #utilityideas #plumber #family #christmasparty
Hello!!!! I wanted to jump on and give a brief introduction, since I forgot to do that earlier!). I’m a wife, SAHM to 3 kids (8, 7, & 5), we live in the Northeast, and we just started @daveramsey Baby Steps (currently on Step 2). I joined the #debtfreecommunity to have support in our journey as well as help support others! I’m a creative person who spent my years before kids working in the fashion world in NYC. As a result, I love beautiful spaces, food, clothing, pretty much anything! I hope to share how we’re making our budget work for us while paying off debt and still living a life we love!!! I’m so happy to have you all along!!! . . #momlife #debtfreegoals #babystep2 #organization #budgetgoals #debtfreecommunity #debtfreejourney #momsofinstagram #budgeting #budgetgoals #daveramsey #livelikenooneelse
My mom and I used to wrap the children's gifts at church for birthdays etc in the weekly comics from the local newspaper. I wrapped my dirty santa gift for my office party today in my favorite paper, the @nytimes. There was an old balloon in my office (post World AIDS Day- but honestly everyone should just have random balloons in their office) and I used the ribbon from that. If you're going over budget on holiday blame yourself. You can use fancy magazines, ribbons from clothing etc to wrap. Get creative! #dirtysanta #cardib #brandicarlile #newyorktimes #upcycle #giftwrapping #influencer #budgetnista #lifestylecurator #wrapitup #creative #holidaybudget #officeparty #giftwrap #savingmoney #budgetgoals
We have one toddler at an in-home daycare a few minutes from our house. We live in Denver, CO and many people pay a lot more than this so we feel lucky that he gets a caring provider, a whole house and backyard (when it's warm) to play in and there are two other boys his same age to play with. Considering she spends 40+ hours with him a week and it allows us to make our incomes, this is possibly a deal! And I took the $5,000 dependent care tax credit this year and Mark will do it next year (though it should be a tax credit for the full amount you spend I think!). What's your daycare costs? #daycare #financialindependence #budget #fi #fire #invest #financialfreedom #decembergoals #familyofthree #budgetgoals #debtfreecommunity
Hello Rewards! I opened the Savor card in October. I made the $500 bonus and already another $50 in cash back! Yes, that's a huge balance but it does include a work trip that I'll be reimbursed for, two $270 Target gift cards (valued at $300 each), our monthly health insurance premium ($221) and our budgeted Christmas and typical grocery shopping. I will pay it off in full when it's due. As always, don't use credit cards if you would need to carry a balance! But if you want a free $500, check this card out! I plan on cancelling before the $95 annual fee is due. #inspiredbudget #financialindependence #budget #fi #fire #invest #financialfreedom #decembergoals #familyofthree #budgetgoals #debtfreecommunity
What's your WHY? Is it the pursuit of happiness? Is it to break a generational mindset? Is it a pathway to quit your 9 to 5 and spend more time with family? Is it just a matter of proving you could do it? What ever it is.. write down! In a journal.. on your mirror...where ever as a daily reminder to keep going. #finance #money #savings #debtfreecommunity #debtfreeliving #save #payoffdebt #millenials #financialfreedom   #plan #debtfreegoals #moneygoals #credit #creditgoal #creditscore #debtsucks #studentloans #work #invest #budgets #budgeting #parenting #interest #emergencyfund #spendingwisely #budgetgoals #adulting #happiness
Mortgage payment today and, as the interest rate has gone up, it makes a dent in the budget. Worked out the comparison.. Currently my loan is through Keystart (a WA Government initiative) and due to the huge drop in house prices cant refinance... #debtsnowball #debtfree #debtfreecommunity #debtfreejourney #aussiedebtfreecommunity #barefootinvestor #debtfreeaussie #debtfreegoals #financialfreedom #finance #debtfree #money #ozdebtfreecommunity #budget #budgetgoals #budgetplanner #babysteps #snowball #mortgagebegone
I used to be soooooooo self concious talking about taking on a part time, or working long hours, or selling items I no longer needed...especially in the town i live in...where everyone Pumpkin spices their way through life...i dreaded telling people that i had to pass on a birthday invite, or dinner out because i was "on a budget" BUT then i started to see my savings grow..one $100.00 at a time... i saw my credit score increase one point at a time... then i began to proudly proclaim that i meal prepped, buy second hand clothes, drive a Kia Rio (that's paid fo') and slept on a pull out sofa for a year and a half so that i could pay down debt while my son slept soundly in the master bedroom... all in the name of paying down debt and building up savings... dont let broken people make you feel insecure about where you are in your finance journey... #finance #money #savings #debtfreecommunity #debtfreeliving #save #payoffdebt #millenials #financialfreedom   #plan #debtfreegoals #moneygoals #credit #creditgoal #creditscore #debtsucks #studentloans #work #invest #budgets #budgeting #parenting #interest #emergencyfund #spendingwisely #budgetgoals #adulting
What would you do if having debt, living pay check to pay check, and being broke WASNT society's normal way of living.. would you start the discussions...change your mindset...bust your behind to get out of debt.. trim the excess spending... build a better savings, say no to things you cant afford? Let's talk about it... #finance #money #savings #debtfreecommunity #debtfreeliving #save #payoffdebt #millenials #financialfreedom   #plan #debtfreegoals #moneygoals #credit #creditgoal #creditscore #debtsucks #studentloans #work #invest #budgets #budgeting #parenting #interest #emergencyfund #spendingwisely #budgetgoals #adulting
That's right... the new year is fastly approaching... when was the last time you reviewed your credit report... I encourage you to pull your reports from all three credit agencies and begin to look for inaccurate, unverifiable, or obsolete information...I can walk you through the dispute process if need be (or you can google it). THEN pick your smallest creditor and call them up to make plans happen!!! #finance #money #savings #debtfreecommunity #debtfreeliving #save #payoffdebt #millenials #financialfreedom   #plan #debtfreegoals #moneygoals #credit #creditgoal #creditscore #debtsucks #studentloans #work #invest #budgets #budgeting #parenting #interest #emergencyfund #spendingwisely #budgetgoals #adulting #creditdispute
Ain't nothing wrong with it! Write it out, and stick to it. Don't feel pressure to add additional people to your list. If you feel compelled to give, a well written holiday card totally counts. Dollar store wrapping , cards and gift bags make sense. #finance #money #savings #debtfreecommunity #debtfreeliving #save #payoffdebt #millenials #financialfreedom   #plan #debtfreegoals #moneygoals #credit #creditgoal #creditscore #debtsucks #studentloans #work #invest #budgets #budgeting #parenting #interest #emergencyfund #spendingwisely #budgetgoals #adulting #holidaybudget #holidayspending
While Christmas time is a time for parties, fun dinners and get-to-gethers, all of this entertainment can add up. What is your entertainment budget for the week/month look like?⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Photo credit: rawpixel on @unsplash ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #budget #budgetgoals #excel #mint #financialfreedom #personalfinance #personalfinanceblog #personalfinanceblogger #instabudget #home #food #clothes #family #car
Hands up if you are the one in every 6 Australians that has a credit card! 🙌 Are you on top of your repayments? We’ve put together our 5 top tips to help you pay off your credit card faster - saving you a ton in fees and interest. Check it out on the blog now - link in our bio! . . . . . #budgetbuddy #ineedabudget #debtfreelifestyle #debtfreejourney #debtfreegoals #budget #extraincome #adult101 #budgettips #paychecktopaycheck #financialfreedom #debtfreeliving #financialpeace #payday #personalfinance #budgeting #creditcard #budgetplanner #debtrepayment #nomoreloans #nomoredebt #lifeonabudget #budgethacks #budgetgoals #budget #cashenvelopes #moneysavingtips #budgetfriendly #savemoney
Sorry for lack of updates, we have had a few days off from all things house so we can have some family time as I've been away. Back to the house tonight to check on progress and finally make a decision on utility layout which we have now agreed on! Boiler progress coming on nicely, spot light placement in hallway which is exciting - in fact any sign of lighting, power or heat is exciting!! My husband also announced tonight he forgot about a radiator/towel radiator in the bathroom.......how!?!?!?! There is a very long to do list for this weekend!!!! . . . . . #kitchendecor #kitchenideas #insulation #holeinthewall #budget #budgetgoals #boiler #watercylinder #newhomeideas #newhomeinspiration #diy #electrician #electricsockets #kitchendecor #builder #ocdbuilder #renovation #familyhome #openplankitchen #openplanliving #towelradiator #radiator #plumber #utilitylayout #utilityideas #utilitylayout #diy
Christmas Cards!!!!! . . Our cards arrived today and I couldn’t be happier! In the past we’ve spent hundreds on cards, this year I budgeted $100 but didn’t intend on spending that much. I went through all of the normal sites and even with Cyber Monday discounts they were closing in on my budget. Then I saw a Groupon for @fabness_usa. I hadn’t heard of them but the reviews were all good and the deal was honestly too good to not take a chance. I ended up buying 100 5x7 cards for under $30!!!!! 🙌🙌🙌 . . #debtfreegoals #babystep2 #organization #christmascards #budget #budgetgoals #debtfreecommunity #debtfreejourney #christmassavings #fabness #momlife
DECEMBER! . $2,664 towards debt! . Pretty pumped I was able to stay on track this month with debt payments especially because of the holidays & birthdays. Not only did I have some hiccups but we had a wedding and honeymoon last month so the bills were HIGH! All of my regular bills come out before the 12th each month so I am able to plan the rest of the month out with my second paycheck. Short post today but glad I am ending 2018 strong 💪🏻 . . Can’t wait to see what 2019 has for this Boss lady! #debtfreejourney #debtfreeliving #budgetbinder #budgetgoals #moneygoals #daveramsey #thebudgetmom #debtsnowball #debtfreecommunity #erincondren
How much do you pay for your TV subscription? About a year and a half ago we “cut the cord”. We’d previously had directv. It the bill was creeping over $100 without the bundled internet. . It’s one of the easiest changes to make to significantly cut monthly bills. We advise you avoid bundled deals. Whilst they may offer a very modest discount, they are there for a reason...the company wants to make more money from you. . Take a look at the bundle price...it’ll be expressed as a saving against its own stand-alone prices...not against prices of getting one do the services from a competitor. . Now we have one internet bill, for TV we have Netflix, Hulu (only because of their Black Friday sale of $1 per month), and when we need live TV we utilize one of the many streaming TV services like YouTube TV, SlingTv, PlaystationVue or FuboTV. They are all cheaper than any traditional cable provider and offer no contract subscription. . . . . . . #fullfamilybudget #debtfreeliving #debtfreejourney #debtfreecommunity #paychecktopaycheck #paycheck #familyfinances #familybudget #budgetbybankaccount #daveramsey #financialfreedom #budgetgoals #debtfreedom #financialpeace #debtfreelife #frugalliving #frugallife #budgetlife #babysteps #cordcutting #directvnow #slingtv #fubotv #playstationvue #streaming #streamingtv
Kid snacks!!!!! . . . I have 3 kids, 2 are in elementary school and 1 is in a PreK program and all 3 take a snack & a lunch each day. I’ve always packed everything in the morning (I’ve tried to do it at night and it just doesn’t work for me) so I look for things that do double duty. These pumpkin bites are one of those! They taste like a yummy pumpkin cookie and are healthy too! We will have them for breakfast one day and then I’ll pack leftovers for snacks (along with pears & a cheese stick today). Side note: their snacks aren’t usually this big, but today is a 1/2 day so no lunch at school. #debtfreegoals #babystep2 #organization #kidsnacks #lunchbots #debtfreecommunity #debtfreejourney #budget #budgetgoals #momlife
Pick the smallest bill and strive to pay it off before January 1st. Dont have any past due creditors? I challenge you to pay down a credit card balance to the nearest whole 100... if your balance is $857.83, then your goal is to knock that $57.83 off before Jan 1st, and to continue to pay down that card in $100.00 increments. It will feel sooooo good to see those balances disappear in chunks! #finance #money #savings #debtfreecommunity #debtfreeliving #save #payoffdebt #millenials #financialfreedom   #plan #debtfreegoals #moneygoals #credit #creditgoal #creditscore #debtsucks #studentloans #work #invest #budgets #budgeting #parenting #interest #emergencyfund #spendingwisely #budgetgoals #adulting
November has flown by, and the numbers are in! . This time, I only went over budget by... $382. . WOOOOO! . I know. I know what you’re thinking. . Clo Bare… You suck. That’s terrible! You still went way over budget! . BUT! . Head on over to the Bare to hear my REALLY good rationalizations and to check out EVERYTHING I spent my money on in November. <3 . http://ow.ly/5Jg450jUyna
A solid #aldihaul tonight! With these ingredients and what I had in the freezer, we have two weeks of breakfast, lunch, and dinner for two of us. I also bought some things for a work birthday party and making christmas cookies! Meals include: hawaiian ham and cheese melt, chicken bacon ranch pasta, fajitas, breaded pork chops, BBQ ribs, pot roast and mashed potatoes, and more! Good to finally be stocked up again with all the meals planned until christmas break! #grocerybudget #debtfreecommunity #aldihaul #mealplan #budget #budgetgoals #debtfreejourney #frugallife #debtisdumb #frugalliving #savingmoney #cheapmeals #debtfree
How much do you budget each week for groceries? With the rising costs of food, its even more important to meal prep for the week and set a grocery budget. Also, never go to the grocery store hangry. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Photo credit: Element5 Design on @unsplash ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #budget #budgetgoals #excel #mint #financialfreedom #personalfinance #personalfinanceblog #personalfinanceblogger #instabudget #home #food #clothes #family #car
Stop impulse buying with the 10 second rule! If you’re out and tempted to buy something, stop for 10 seconds and run through these two questions: ✔️ Why are you buying it? ✔️ Do you need it? If you don’t have a good answer to these questions – back on the shelf it goes! . . . . . #budgetbuddy #ineedabudget #debtfreelifestyle #debtfreejourney #debtfreegoals #budget #extraincome #adult101 #budgettips #paychecktopaycheck #financialfreedom #debtfreeliving #financialpeace #payday #personalfinance #budgeting #creditcard #budgetplanner #debtrepayment #nomoreloans #nomoredebt #lifeonabudget #budgethacks #budgetgoals #budget #cashenvelopes #moneysavingtips #budgetfriendly #savemoney
I spent $5 on this 😒 #FAIL . . I was craving something sweet & found myself pulling into the Starbucks drive-through. I didn’t even really think about it. But once I finished the drink (sure, it was delicious) I felt ... guilty . . I have $88 left in my budget this week and I’m kinda mad I spent $5 on this teeny, tiny cup of coffee . . This journey is so much about DISCIPLINE. Having the strength and smarts to say, “No, I won’t spend that money on coffee/takeout/makeup/clothing/accessory/etc.” And walking away from the item we want in that moment. For 2019, I’ll be working on more discipline.
Couldn’t say it better myself.. shit happens! Totally forgot to budget for our trip to Utah to ski in March and had to put the condo on the credit card. Some may have used their emergency fund but with my @chase card I get points for travel! Slight set back seeing as this was completely paid off! Ughhh time to reorganize my budget and pay off structure! Oh well! Happy Monday! #ineedthisvacation #thatswhyitscalledajourney #debtfreejourney #debtfreeliving #budgetbinder #budgetgoals #moneygoals #daveramsey #thebudgetmom #debtsnowball #debtfreecommunity #erincondren
Take a look at subscriptions, bank fees and recurring invoices to start. For invoices— check to see if there is a discount for early payment (only if your cash flow allows). . . . . #thebudgetshop #budgetgoals #financialliteracy #financialliteracy #bizowner #solopreneur #moneyplans #newmoney #businesstips #budgethacks #budgeting #howtobudget #businessbudgeting #financialeducation
Happy Monday! This week we are chatting about budget. *Cue snores.* Believe me, I get it. Budgeting can be BORING. However, we still need to do it. Let me help you see past the boring and see the freedom a budget can provide. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Photo credit: rawpixel on @unsplash ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #budget #budgetgoals #excel #mint #financialfreedom #personalfinance #personalfinanceblog #personalfinanceblogger #instabudget #home #food #clothes #family #car
Financial Independence - Retire Often! Did I make up a new term? #FIRO Let me know if anyone else is using it! It's not as sexy as #FIRE but it's the plan I've been practicing my whole life. I worked a difficult job (military) for 6 years then took 10 months off to travel and spend time with family. Then I worked full time and full time grad school and needed another break to travel for 5 months. Now we've been working solidly for going on 4 years and I plan to take another year break if we have a second kid (which won't be the same as traveling of course! Babies are still a lot of work!). We plan on living in Germany for a year in 4.5 years and already are planning on how to do that financially. But overall, I don't plan on retiring fully until at least 60. In my line of work (healthcare), it's not something you can make into a digital nomad life. But it's also easy to get burned out. I'd rather work hard and take periodic mini-retirements than try to fully retire. M also likes his work for now too. And I feel it'll be essential to work through our kids going to college since who knows what that'll look like in 17 years. What about you? Would you rather FIRE or FIRO? #financialindependence #budget #fi #fire #invest #financialfreedom #decembergoals #familyofthree #budgetgoals #debtfreecommunity #firo
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