It's a Monday but failing is NOT an option.
Own it and make positive strides toward your goal.
I'm setting a goal to have no fast food this week.
Wish me luck!
We are still kicking with June’s Grocery Challenge! $100 for the entire month of June for 2 people and all our meals. It honestly should be our budget every month but we average about $200 normally, not including alcohol or going out meals.
Since we spent $81.10 on the first round of willy-billy shopping, we had $18.90 left to work with.
We were out of town for the weekend so we waited until we got back to pick up the last of the necessities. We went to Costco to get more bang for our buck and walked away only spending $18.65! We bought 60 eggs, 15 bananas, and 2 loads of bread. .
The eggs will stay good for a while but we usually use 12 at a time to meal prep a breakfast bowl so I am sure we will use them fast. We froze one loaf of the bread and are using the other for sandwiches. And we got enough bananas for 1 a day. We mostly use them in our morning smoothies but Mr. TTF will grab one as a healthier snack as well. They were super green when we got them so they should last a while! .
Otherwise we are making it work! Wish us a luck and send recipe ideas!! .
#budgetmeals #frugalmeals #budgetlife #frugallife #budget #budgeting #budgetplanning #budgetingtips #livingonabudget #budgettip #budgetgoals #savingmoney #tickettofi #financialfreedom #financialindependence #fi #personalfinance #firecommunity #costcodeals #costcofinds #junegrocerychallenge
I love posting this because it’s something everyone with debt should think about following! @daveramsey
Its a great plan and has helped my family ! ☺️ anything is possible!
Just some homemade chocolate bark in my amazing @mr.lid.oz
Chocolate bark recipe:
*Pls note that added ingredients change depending on what I have in the pantry*
- 2 blocks of chocolate (I buy Dairy Fine Milk Chocolate from @aldiaustralia
- I melt this in a glass bowl over a sauce pan as I feel I have better control than microwave.
- I cut the raspberries into quarters
- Get the M&Ms ready (usually the mini version but whatever you've got) - Also make sure I have sprinkles to go on top.
- Once the chocolate is all melted, I pour it onto baking paper (in a baking tray) and start putting the bits on top! I tend to press them in a little so they stick fairly well. Once done, sprinkles on top and into the fridge to set!
I also make the Dairy Fine White Chocolate and usually pop a trail mix in as I reckon the colours look beautiful 😍 Tag me if you make this! I prefer it over the thickness of Rocky road 😋
I know I've thought this to myself plenty times before... However, I have so much respect for those who don't let lack of qualifications, failure or the word NO stop them from achieving their goals. Your thoughts on this?
Being content with what you already have is key.
It’s that time of the month for a mid-month budget update 😬A little over on some of my categories but I have a plan! 🎥 New budget video in the bio link.
WEEKEND WINS AND DUDS
Our weekly post to stay accountable from overspending on the weekend!
Anytime hubby and I work Saturday day shift little man has a sleepover at the in-laws so we had a little date night Friday at a local restaurant and drinks at our local brewery afterwards💛
Saturday we worked, hubby banked an OT shift so no spend for us👌🏻
Sunday was Father’s Day. My in-laws have an annual membership to the Zoo that we used and my MIL put my car under her membership so we don’t have to pay for parking. We had a blast at the Zoo, and hubby was very happy with his day 😀We got Starbucks ahead of time as a little treat, and did a growler fill at our local brewery for family dinner later that night🍻
I couldn’t wait for pay period this week so we put $250 snowball payment to the truck #dodgethedebt
Ready for 3 shifts this week. It’s my birthday week and my parents are in town for the weekend so it’s going to be a great week 🥳💛😊
🎉 H O O R A Y 🎉 We decided to pay off my husband's student loan with our savings. We didn't deplete our EMERGENCY fund from BS #1
but now we are working back on replacing that amount. Now that we will also be saving in interest as well. We celebrated last night with crab for dinner. Cheers to paying off student loans 🥃 #debtfreejourney #budgetgoals #debtfreecommunity #moneymanagement
In continuing last week’s post about money-saving purchases, here are 5 more...
6. Soda Stream - now, this will probably only save you money if you spend a lot on sodas. They cost a little more up front but these machines can allow you to make fresh soda in your own home. Great for large families with lots of soda drinkers.
7. Water-Saving Shower Head - they are fairly cheap and easy to install and your water bill will thank you!
8. LED Light Bulbs - we bought a huge pack of these over 2 years ago and I haven’t had to change a light bulb yet! They last longer and are more cost effective month by month.
9. Quality Purse - I used to buy cheaper purses but I was constantly having to buy new ones (or carry around old, sad-looking ones) because the cheaper ones wear out so quickly. My husband bought me a nice Michael Kors bag for Christmas a couple years ago and it still looks brand new! The quality is so much better and it’s worth the extra money to me!
10. Beeswax Food Wraps - if you are someone who uses a lot of plastic wrap and ziplock bags these could be beneficial to you. You can get a three pack on amazon for $13 or so and they last at least a year (supposedly).
What are your favorite money-saving purchases?
#financialfreedom #financialgoals #financialindependence #financialliteracy #debtfreejourney #livelikenooneelse #frugalliving #financialeducation #debtfreegoals #daveramseybabysteps #budgeting #financialcoaching #hustle #moneyquotes #frugal #budgetgoals #savingmoney
Lunch tomorrow. 😃
Paprika and lemon marinated chicken tenderloins with spinach, rocket, cheese and pesto mayonnaise on a Turkish bread roll!
All purchased from @aldiaustralia
and I can't wait to devour it tomorrow. I'm going to pop it into the sandwich press at work and heat it up a little. YUM. 🥳
HAPPY FATHER’S DAY
To all the #debtfreecommunity
dad’s who go along with their crazy partner’s ideas of being on this journey, or start the family on the journey we thank you
So happy I traded today’s shift so I was able to spend it with my family at the Zoo. We had a blast making memories and little man is starting to enjoy it more and more pointing at all the animals
After being in class from pre-school to graduate school (no time off), I was so happy to finally be done with school FOREVER (as a Physical Therapist we do need to complete continuing education courses yearly, however this is nothing compared to what “regular” school was, so BYE BYE to school!).
Since I had not one care in the world, wasn’t worried about finances, etc., I thought, hey, let’s take a trip to Seattle, WA and Vancouver, British Columbia to celebrate finishing our Doctoral program. Although I wasn’t into budgeting at the time, I still tried to be frugal (by my definition/standards at the time). We found cheap round trip tickets and my friend from PT school had an apartment and car there at the time so we didn’t spend as much.
Side note: During this mini-vacation, we were supposed to be studying for our National Boards Exam. We were to graduate the weekend we came back from WA and then were to take the 5hr National Boards Exam the following week. Did that happen? NO! But I was happy to have enjoyed myself with friends (and it turned out I would later move here to start my PT journey as well).
No matter where life is taking you, enjoy it to its fullest!
#followme #followmeto #aroundtheworld #aroundtheglobe #globetrotter #explore #adventureisoutthere #wanderlust #optoutside #vacation #travel #cheaptravels #budgettravel #seattle #washington #budgetreality #personalblog #debtfreejourney #debtfreecommunity #debtfree #debtfreegoals #debtfreedom #debtfreelife #gettingoutofdebt #personalfinance #budgeting #budgetgoals #sundayread #spotlightsunday #startupsunday
First, I want to say Happy Father's Day to all of the wonderful dads out there.
Do you want to know what my favorite day is to work on my finances? Sunday mornings.
Finding a peaceful time, where you are happy, alert, and comfortable is the best time to think clearly about your money and be the most productive.
Working on your finances when you are stressed, in a rush, or overworked can lead to you making decisions on impulse and what you are feeling at that time.
I try to sleep in on Sundays and dedicate it to my family, but I also find that peaceful time in the morning to get some work done. Its usually before anyone gets up.
This morning, I updated my expense trackers, completed my $2-A-Day Savings Challenge, started my July budget calendar, got caught up on my business spending and tracking, started filling out my Where Did My Money Go worksheets for June, and thought about tweaks that I could make to my budget to save money.
It took about a half hour for my personal finances and about an hour of work on my business finances.
Today, I gave up some reading time to finish up some work on my business finances.
I challenge you to find one day out of the week, one part of that day, to reflect and work on your finances. A peaceful, quiet time, where you are the happiest and most comfortable.
I love getting my cup of coffee, sitting with a warm blanket in my sweats, and just allowing myself to think about my finances. Some of my best decisions were made during these times.
What's your favorite time to work on your finances?
I think this has been the busiest summer on the books so far. We are in the process of moving, so trying to sell off/get rid of what we don't need.
I needed some work clothes, so on our trip out of town yesterday, this is how good it went. I had 2 $10 Kohl's cash to use, as well as picked all items from clearance (because eff full price) I SAVED ONE HUNDRED AND SEVENTY NINE DOLLARS!
I am calling that a win.
It’s been a busy few months, the kids finished school, grandma came to look after them and we hit the road for some much needed married-couple time!
We cashflowed the entire trip with side hustle money earned over the previous few months. A total budget of $2,500.
Now we are into our summer routine, The kids have their activities, their jobs and their summer school lessons to complete. We have another $3000 to wipe off of our debt. Altogether that would make it a successful summer.
Poor Becky said her circumstance and past blocked her from ever becoming wealthy. She only saw an empty bank account. She saw money as a direct reminder of lack. She saw money as the root of destruction and pain in her family.
Not Poor Becky doesn’t accept excuses from herself. She refuses to be a victim solely to rid her of self responsibility and self agency. She knows that no matter what you were taught or what barriers you have. YOU CAN BECOME FINANCIALLY FREE.
Decide when you’re ready to stop living the “woe is me”, “the system is against me” single narrative mentality. Decide to take action IRREGARDLESS of the *FACT* that there are systemic barriers that face you or those around you. It’s still possible. IT IS STILL POSSIBLE. You may have to sacrifice more, your hours may be longer, your shovel may be a spoon, your timeline may be longer, BUT IT IS POSSIBLE.
👏🏽👏🏽👏🏽 to all those who stopped using excuses to keep them from wealth.
!!LONG POST!! A Continuation of my journey TO debt recap:
Started my DPT program Jan. 2013, finished my first year, completed my first clinical rotation in San Luis Obispo (paid housing x2 for apartment in San Diego and extended stay in San Luis Obispo), went on a medical mission trip after my clinical was completed, moved my stuff back to San Diego, went back to class work, then started my 2nd clinic rotation in San Diego in Aug 2014 (thankfully only housing x1! however, since my roommate was placed outside of San Diego, I picked up the utilities, etc. with the exception of her portion of the rent).
Now here we are, 3rd and final clinical rotation in Arizona. My program did not give us a choice in where we went, so in Fall of 2014, I packed up my things once more to move to Arizona. At this point I had moved x5! Luckily, this time my lease worked out well. It ended before the move, so I went back to paying for housing x1 (I ended up staying in another extended stay). Oh and we still needed to pay FULL TUITION while at our clinical rotations. NO in-class time, working full time schedules but not getting paid (the joy’s of rotations)!
Once our final clinical rotation ended, it was now January 2015 and I was left with one more term to complete before graduating. I no longer had an apartment to go back to, but since classes were spaced out longer, I decided to move back to Los Angeles and make the commute down to San Diego as needed. I had another friend from school who also moved back to Los Angeles for our last term, so we ended up taking turns driving down and would split the cost of the hotel. Didn’t like all the back and forth, but it was sure a lot cheaper than signing a short-term lease. Saved me a few thousand dollars which I was happy about!
To those either finishing or starting, keep going. Yes, you may make financial mistakes, but just try your best and be informed/open to different options out there. Lord knows I didn’t make great choices, but you live and learn and I am now slowly finding my way out.
So Murphy’s law happened 🤦🏻♂️My laptop screen cracked while I was biking on a bumpy road. At first I thought I could manage with 70% of a moderate working screen then all of a sudden it went completely black. My laptop is a very important tool I need for building my online businesses so I thought about my options. I could order some kind of online DIY for $300-400 to fix it myself. Or go to geek squad and get it fixed for $500-$600. But I thought of a better and cheaper option. I got a $200 monitor + $50 usb-c adapter. The screen is double the size of my laptop which will increase my work efficiency. It works amazingly! I was planning on using the extra $300 I got from my CC rewards points for my student loans. But I used $250 for the monitor and $50 to my loans. It’s better than nothing 🤷🏻♂️and I already paid $3000 to my loans this month. 😃 Thank the Lord for this rewards points. I did not want to dip into my EF. 🤪
If you've ever been a sale junkie, raise your hand!
I'm raising my hand with ya!
I was always being triggered by the sales, thinking everything was a great deal, especially if it was on shoes or accessories!
Those were my broke days.
Now, I only look at sales when I have something on my list that I've indicated a need for.
Otherwise, those sales are not for me, boo.
Do sales trigger you to spend?
Earlier this week I was in St. Louis with some colleagues and we had a great time eating out, sharing and lots of girl talk. I'm the weird one though for sure. I typically am, but that's beside the point.
The conversation turned to nail polish and then manicures, pedicures, makeup, clothes, shoes, etc. I had nothing to contribute. There was a long discussion about the specials at each restaurant people liked around town and which nights are best to go. Which drinks were best, etc. I had nothing to contribute. Then it turned to travel as one of my colleagues travels all over. That I was the only one who discussed things with her. About our future plans and our savings plans for travel.
Then the discussion turned to how others could never afford to travel. They were too car in debt. I felt confident enough to speak up a little bit about our debt free journey. I got blank stares and no responses. 😕 Did I hit a nerve? Was it too weird to talk about? Or did it make people uncomfortable?
It's funny how the comparison game really was heated and lively when talking about nails and eating out, but when it came to debt the room was silent and I was back to being the weird one.
Anyone get this? .
#debtfreecommunity #debtfreejourney #debtfreeliving #debtfree #savemoney #savingmoney #debtfreegoals #debtsucks #personalfinance #budgetminded #millionairemindset #millenials #momlife #familygoals #budgetgoals #debtfree #babystep2 #debtsnowball #smartmoney #tips #thoughtfulthursday #invest #bossbabe
I opened the Savor card last fall for the $500 bonus and thought I might like the 2% cash back on things but it really wasn't worth it so cancelled before the annual fee. And it dropped my score because I only have 2 credit cards now (I never use my USAA one but I've had it open forever and my Southwest which I use solely because we like to accumulate points, even if we don't travel as often right now). And a mortgage. But I think anything above 750 is good so not worried. I did just apply for the Marriott card because if we do take a trip next year, those points would be nice for hotels and since I stay in a Marriot often for work, it'd be nice to accumulate even more points.
#financialindependence #budget #fi #fire #invest #financialfreedom #aprilgoals #familyofthree #budgetgoals #free #taxes
I had coffee this morning with one of my old professors. He’s been an incredibly wise mentor since college and he knows a bit about my past. As I updated him with where I was he asked me what “helping” my family meant to me.
𝗪𝐡𝐚𝐭 𝐰𝐚𝐬 𝐦𝐲 𝐠𝐨𝐚𝐥 𝐢𝐧 𝐚𝐥𝐥 𝐨𝐟 𝐭𝐡𝐢𝐬?
What did I want in the end?
I paused. What is my goal? Is it just money? Is it a fancy house? Shiny cars?
I want peace. I want them to wake up and not stress about money. I want them to wake up and be able to say “what do I want to do today?” and not, “how will I survive today?”. That’s it. I want them to have the freedom to 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐥𝐢𝐟𝐞 𝐛𝐞𝐲𝐨𝐧𝐝 𝐬𝐮𝐫𝐯𝐢𝐯𝐚𝐥.
and I want that too.
Most of us avoid setting a budget because we don't REALLY want to know the truth! Right!!??🤷♀️🤷♂️We don't only "suspect" we're in a mess....we "know" we're in a mess!🤦♂️🤦♀️ You DO NOT have to live that way. Let me help you take control. It is amazing the RELIEF you will feel just by KNOWING where you are and what you need to do.
As a Financial Coach, I will lead you step-by-step for a minimum of 3 months! Each month includes 1 face-to-face meeting (you come to me) and up to 4 phone calls plus emails.If you need longer to get it all under control, we can do that, too. IF you live within 1 hours drive of me AND it's necessary, I can come to you for a fee to cover my travel time and fuel. IF a face-to-face is not possible, we can do our meeting online.
My 3-month coaching course is only $797! Each additional month up to your 6 month mark, is only $175.
I know...you're thinking, I cant afford it! 💥Here's the💲question I have for you... If you do nothing to get your finances under control, is your situation going to get any better? Aren't you ready for some relief? Aren't you ready for some peace?
I can help you if you're willing to commit to do what is necessary to succeed with your finances. Dm me your email address. I will contact you right away. ⏰TIME IS MONEY!🕰⌛
#moneygoals #budgeting #budgetgoals #entrepreneur #savingmoney #frugalliving #finances #financialcoach #mymoney #livingwell #securefinancialfuture
Reflect on who you are and draw power from your inner strength and willpower.
We're not always strong. On our weakest days, it's important to reflect and remember why we are sacrificing now and keep our debt-free dream life in the forefront.
Nothing feels quite as good as owning 100% of your money and never having to pay another debtor again.
Remember this at your weakest hour and abstain from impulse spending and throwing the towel in on your budget.
You can do this, my friend. I have your back. Reach out if you ever need someone to talk to and I'll be right there.
Tip Tuesday: This is something that has changed the way I budget. Before, I would eyeball how much I was spending and if I had money at the end of the month great and if not, well maybe next month (which was mostly my case... always in the negative... every month😔). However, after reading a bit I realized something. I was looking/doing this all wrong.
I thought, hey, I work, I get paid. I’m being paid/paying myself. But after paying off debt, bills, necessary and unnecessary expenses, I found that I/MYSELF/ME was LEFT WITH NOTHING. This is not how I wanted to live the rest of my life. Now I have a system.
 I calculate my average/expected monthly budget
 I subtract my debt payments (this includes my extra payments as well). To me this is my number 1 priority so I make sure this comes before all else.
 I pay myself (savings and needs). I subtract the amount I need to save for my savings and absolute needs (food, gas, etc.)
 Whatever is left over is what I allow myself to spend on wants/unnecessary expenses (only if I have the cash flow). I usually calculate $20-80 under what I actually receive for the month which gives me a little wiggle room. Every month is pretty much the same, which is how I know how much I can/should spend every month.
Now I can save each month while tackling my debt and be left with some fun money most of the time. This is the best thing I have learned thus far 👌
#budgetreality #debtfreejourney #debtfreecommunity #debtfree #debtfreegoals #debtfreedom #debtfreelife #debtisdumb #finance #financialfreedom #financialindependance #personalfinance #budgeting #budgetgoals #livingonabudget #goals #goaldigger #motivation #motivational #inspiration #inspirational #followme #followmeto #transformationtuesday #tiptuesday #traveltuesday #selfgrowth #moneymoves #planforsuccess #goalsetting
Great News! I received over $500 unexpected income 🤑In my previous posts I mentioned that I was $230 over budget and I wanted to pay off an extra $500 on my student loans. The $230 is now covered and I’m sending $300 to my student loans! Hallelujah 🙌🏻 The universe truly provides! All you have to do is ask.
The way I got the extra $500 was from reward points. I know most of the dfc don’t condone credit cards but an extra $500-$650 of free money doesn’t sound so bad. Don’t get me wrong! If you’re not disciplined enough to not spend, credit cards are not for you!! They are designed to make you spend spend spend😵 They “Reward” you every time you spend. If they are not for you use a debit card and use the cash envelope system. However, if you think you’re disciplined enough there’s a link in the bio offering 60,000 bonus points if you sign up for a Chase Sapphire Preferred card today. Be smart. Think about it first!
I don't do soup in a bowl 🙅 mugs all the way! So much easier to drink it than rely too much on a spoon... Am I heavily invested in this bowl vs mug situation? Maybe, but if you haven't tried it, it makes sense, okay! 😂
I made this chicken and corn soup with a left over Woolies chicken. It was so good and only cost us the price of two tins of corn as we had everything else. 🐔🌽
It's a simple recipe:
1L Chicken stock
1 can of creamed corn
1 can of corn kernels
Boil then turn down to simmer for 10min
Add in the shredded chicken
2 teaspoons of soy sauce
Cook for further 5mins.
Egg (more traditional, but CBF with an extra step and tastes great without it)
• w a s t e n o t •. This might only apply to me, but I’ve been struggling to find ways to save money more than what I already have started doing. I did some research online, and then resorted to literally walking around the house and wondering how else to cut down on our weekly spending. Since being on Maternity leave, I’ve also taken to ‘deep cleaning’ small pockets of the house and gathering up stuff to donate or throw out. I realized we have. A LOT of cleaners and toiletries that we have accumulated over the years. This is for a variety of reasons .
🧼 presents - you know the nice expensive lotions and soaps that you never use? 🧴 bulk purchases - when things are on sale, I’ll bulk buy items and then put them in the storage room, and then forget about them 🛁 I buy something on a whim (hair masks, cute soaps blah blah) 🚿 I forget that I already bought it and then buy it again
So our ‘master Plan’ is now to do a mini stock take of every thing we have and USE IT ALL UP! This will have two effects
1- save money by not having to have these items on our shopping lists for the next while
2- declutter! Our house is quite small and now with a baby, we could definitely use our space way more wisely then holding baskets of odd bottles of shampoo, cleaning supplies and moisturizers.
Am I the only one that has stashes of toiletries and cleaning products that they need to go use up?? #hoardersanonymous
We do our budget meeting on the 6th of every month (after all the first of the month bills clear). M was little late entering his stuff in as it was busy week so we didn't actually sit down to do it together. Market is down so makes sense, even though we saved a considerable amount. But that's what the market does! So not going to love the next recession when it happens but I'm actually so scared to sell anything that I know I won't. I'm trying to sell some single stocks to move them to our son's 529 but it freaks me out. I set an automatic sell for when I goes up a little more so I hope it does do that! I just always chicken out because I think it could go higher.
#financialindependence #budget #fi #fire #invest #financialfreedom #junegoals #familyofthree #budgetgoals #free
NO MAGIC TRICKS. NO get-rich-quick schemes. NO shortcuts. NO "overnight" wealth. Succeeding with your money takes time, dedication and a fierce determination, and YES, sometimes even some sacrifice!
I'm not here to tell you how to make $10,000 in 1 week...or even 1 month. Ever heard of "too good to be true"? I'm here with common sense ideas, suggestions, encouragement and support. I'm here to teach you. I'm here to lead you step-by-step.
It truly is my passion to help people take control of their money and have some peace in their lives!! Contact me! Let me help you!
#money #budgeting #budgetgoals #financialcoach #financialpeace #finances