7,867 posts

Ook voor de kleintjes hebben we leuke regenjassen. Verkrijgbaar in onze winkels in maat 68-86 voor €12,99. #zeemanwestzijde #zeemantextielsupers #baby #babymode #regen #geel #groen #budgettip #budgetmom @zeeman_textielsupers
Brownies and cupcakes made for dessert and the week ahead. We had both packet mixtures still in our cupboard so no money out of pocket this weekend.
We are spending the weekend at home 🏠 this is what most of this year will look like for us as we will be paying of all of our consumer debt this year and have an over seas holiday in December.
Came across some funds today that we threw right into our debt avalanche! With this payment, my credit card balance now stands at $3,906.72! It's such a liberating feeling to see that number just shrink as I started this journey with almost 7K of outstanding debt on that card. . Our end of Feb numbers for debt repayment will likely be at bare minimum as there are a number of expenses for us at that time. I'm just glad we made a decision to put every cent of this money right into our owing. . . #debtavalanche #debtfreeliving #debtfreejourney #debtfreejourneycanada #debtfreecommunitycanada #daveramsey #budgetlife #budgetmom #budget #debtpayoff
Ooohhhh it’s that time of travel. It’s break for Kayla and traveling is always on our list for breaks. How do you travel? Light or heavy? I always try to travel light as possible. We will be gone 7 days and yes this is it including a backpack.#travelmomanddaughter #singlemother #budgetmom #blackmomstravel
Over Christmas and with everything that has been going on our pantry has become a ‘throw it in’ situation! 🙈 I have just taken everything out, cleaned all the shelves and reorganised 🙌🏼 I have also just finished our pantry inventory 😳 we have so much more than I originally thought so lots of staples we can use for meals this week. I absolutely love a clean pantry so hoping to never have it looking like the before picture ever again 🙋🏻‍♀️ When my spaces are clean and organised I find it really calming to use. When things are cluttered or busy I find spaces really overwhelming.. anyone else? 💖 💻 ➳ Spreadsheet now available in the shop - link in bio ✨
This is one of the pages in my by @debtfreecharts book. For each of our debts, I have the chart to the left and then on the right I have a debt pay off plan for it. The plan basically charts the minimum payments required on the debt, the additional payments I've made, the dates that I've made those payments on and when I plan on seeing this paid off. Pictured here is our interest free loan. I do the same thing in excel, its automated with formulas but being a pen to paper girl, I like having this visual next to the chart as well. Swipe over to see a close up. Slide two explains the terms of the loan and slide 3 shows you the additional payments as well as how much time we've shaved off by paying early.
Reducing the cost of your groceries! #budget #food In November last year our average grocery bill for the month was $270.25 and in January is was $227.38. So slowly it has been coming down based on decisions I have made and as you can see by the attached article I found recently that we are under the “basic diet” cost according to said article. Many people do cheaper shops than we do which is great but we also like variety, quality and a few treats.We are just an average everyday kiwi family of 4, myself, hubby, Mr 13 and Mr 11 who are always hungry. I’m not a food guru, a health nut, super frugal or claiming to be perfect at shopping but these few tips helped me reduce or grocery bill from our previous $300+ per week. 1. Set a grocery shop amount and stick to it. 2. Write a ‘base” food list that you purchase every week for every meal with around about price. That will give you a cost of breakfasts, lunches, snacks and dinners which will give you a base budget to work off. 3. Limit snack food. The boys get one packet of chips, one packet of Oreo’s and one packet of crackers each as snack food per week with a limit of 2 biscuits per day. And they can eat as much fruit and vegetables as they like plus a sandwich if they are starving. 4. Baking. I like baking but sometimes it’s just not that cheap with the price of butter but if you google recipes you might find some that use few ingredients and butter. Use up those ripe bananas and make banana cake or muffins. 5. Change brands. I have slowly been changing to cheaper brands as the quality is still good just cheaper. I will not however change our bread EVER! 6. Meal plan. Best thing I ever did was plan our dinners, it saves time wondering what to have, stops me buying unnecessary items and no wastage. 7. If you work full time DON’T shop after work. You are likely to be tired and hungry and will no doubt buy more. Stick to weekend shopping when you can make good decisions about food. 8. You don’t need meat and vegetables at every meal. Eggs on toast, Omelettes with spinach and cheese is just as good. 9. Shop ONCE a week to avoid extras! 😁 Anyway I think that’s about it.
BEEF + BUTTERNUT CHILI 🌱 We don’t have heat 🔥 or power still, but we (just) have gas so we can make chili 😂 This was our valentines dinner last night in the dark with lots of @seccowineclub wine + lots of dark chocolate 🍫 and the recipe is on the blog . . But while we’re over here trying to get power back, you have just a FEW MORE HOURS if you’re wanting to join us in the Grocery Budget Boss course and there’s no lack of power affecting that, it’s rolling and ready for you! We’re closing enrollment at midnight, so just make sure you hit the link in our bio and get any last details you want then join us - and for those that wondered you CAN add in the live online cooking class too just select it after purchase! 👩🏻‍🍳 I. CANNOT. WAIT! See you inside the course for a fun journey to confident, well budgeted food shopping! 🛒 Who’s in?!! 🙋🏻‍♀️🔜🙋🏻‍♀️🔜
Just made some cute cash envelopes for Clinton and I! Teaching him budgeting early 😍🤗 #budgetmom #daveramsey #singlemom
Here’s all of our debt, earlier this month we paid off our last credit card. We have been credit card debt free before but it wouldn’t last very long, but this time around it’s different because everything that we buy it’s budget for. I’m curious to know what you are trying to be debt free from? Is it car loans? Credit cards? Student loans? Or personal loans?
We're on track to meet this by the 4th of April 😀 It will see the closure of two out of 3 credit cards, leaving us with the only one we want to retain! And hopefully an increase in our credit scores too, even if it is a small jump. We will be under 60k in debt and will have said goodbye to so many bad decisions and choices. I cant believe it is so close. Fingers crossed that nothing comes in the way.🤞
From about $24,000 of credit card debt to a little over $2,000 and I’m almost at my 12 month mark!! It’s been such a sigh of relief to commit to this journey and follow through to be credit card debt free! • • • • • #RoadToFinancialFreedom #DaveRamsey #DebtFreeCommunity #financialgoals #debtfree #debt #totalmoneymakeover #money #finances #family #personalfinance #budgeting #budget #save #emergencyfund #daughter #budgetmom #financialfreedom #frugalliving #allowance #mom #singlemom #debtfreejourney #budgetgoals #cashenvelope #family #teach
It may only be February, but I already have vacation on my mind! With that being said I am utilizing our step 4 “savings challenge” to help make sure I am ready financially when the time is finally here. This month all you have to do is save $2.00 per day. Such an easy way to put extra money in your pocket without feeling like you are breaking the bank. What are you using your extra savings for? Adding to your emergency fund? Vacation? Paying off debts? Let us know!
Talking all about reusing your empty bottles, saving money & making safe & healthy laundry scent boosters in my stories today! 😍❤️ . . . . . . #laundry #laundryday #reuse #recycle #save #savemoney #momonabudget #budgetmom #budgetmama #smell #smellspretty #safe #healthy #natural #toxicfree #plant #plants #plantjuice #momlife #sleep #stinkytowels #momonamission
Tonight's dinner is brought to you by the reduced section! Spinach 75% off Tenderstem broccoli and sugar snap peas 80% off Leeks and carrots 95% off Sea bream 50% off . . . . . #fish #vegetables #reduced #frugallife #frugal #frugalicious #thrifty #thriftyliving #thriftymom #bargain #budget #budgetmom #budgetliving #eatwellforless #cheapeats #lovefoodhatewaste #tenderstem #tenderstembroccoli #leeks #carrot #sugarsnaps #moneysavingmillennial #savingmoney #millennialhuntergatherer #seabream
Time to stock up! #Repost @thenativefamily with @get_repost ・・・ Valentine's day goodies 50% not much left!!!!@99centsonly store #99centsonly #99centsonlystore #99centsonlystorefinds #99obsessed #dothe99 #budgetmom #frugalmom
It’s Friday night and I just, just, just, just got paid! ⠀⠀ 💰 ⠀⠀ Payday means cash day! We use cash to pay for daycare, allowances, gas, dog grooming, and a few more. ⠀⠀ 🛒 ⠀⠀ But, surprise! We stopped using cash for grocery shopping. I value Walmart grocery pick up way to much at this phase of life. I also find that it helps, streamline, simplify AND keep me on budget because there’s less browsing temptation AND I can see my total tick up as I go. ⠀⠀ 💵 ⠀⠀ Oh and please tell me you know that song! Name it below! 👇 Then I will really know I have found my people 😄 #ipreview @preview.app
Day 15. Workout clothes/activewear. Take everything in this category out of your drawers today. Get rid of anything ripped, stained, or anything that really doesn’t fit right. Now, how much do you need? Do you exercise everyday? I run 3/4 days a week and cross train 1/2 days a week right now. (Training for my first half marathon.) I have 5 pairs of workout pants, 4 sports bras and 5 tops. About half of this I just bought this month. If you are an activewear collector and have a months worth of stuff, acknowledge that you have enough and stop buying more. Anyone want to play flame free Friday confessions today? 😂 #declutterchallenge #minimizethenorganize #closetorganization #organized #declutter #homeorganization #activewear #tidyingup #konmari #minimalistmom #minimalism #budgetmom #capsulewardrobe
Dites-lui avec Bankin' ! Envoyez ce petit mot d'amour à l'élu(e) de votre coeur. 💙 (Oui, on sait la St Valentin c'était hier... Mais au fond, ça devrait être tous les jours la St Valentin, non ?) . . . . . . . . . . . . #startup #office #fintech #moneymanagement #finance #android #tech #iOS #ilovebankin #budget #photooftheday #amazing #smile #picoftheday #instagood #bestoftheday #instacool #style #finances #savingmoney #money #budgetmom #plannercommunity #debtfreejourney #budgeting #budgetplanner #application #mobileapp #valentine #love
If you would have asked me months ago if I thought that us, a family of 5 could live off of $425 for 2 weeks I would have thought...no way! Well here we are even living off of less! That’s gas, food and misc expenses!!😱 So since we had left over money I spent $25 on valentines goodies for the kids and husband. 💕 I’ll have $109 left over for soccer shoes for our daughter and shin guards ⚽️🥅 I know I won’t spend near that, but any overage will most likely go towards the renewing of my nursing insurance coming up for renewal:) #budgetmom #goals #nursing #familyof5 #debtfreejourney #debtfreecommunity #manifestation #intentionalspending #financialfreedom #soccermom
It's time for our mid month check in! How are your monthly goals coming? Are you still on track?⠀ .⠀ The great thing about the month being half over, is that there is still half a month left! It's not to late to make a few goals and finish the month successfully!⠀ .⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ -⠀ #sweetfrugallife #monthlygoals #debtfreecommunity #makinggoals #onabudget #budgetliving #financegoals #moneygoals #personalgoals #daveramsey #budgetmom #moneysavingmom
Tonight we had Creamy Seafood Chowder (frugal version) for dinner and it was so good 😍 It cost me roughly $15 to make a big batch that could feed 4-6 adults! Usually I would spend $30+ to make this, so I'm very happy with my frugal version 😊 I will add the recipe to my story and "food" highlights for those interested.
Pay day | bill day . . This pay was more saving for other stuff but still (almost) every dollar has a plan! We have some uncertainties this next week so left a larger cushion. And since we have a weekend getaway next weekend we are saving for that along with stocking up on diapers/wipes for our little guy so not a big debt payment this week! But planning ahead for next weekend will help avoid putting anything a credit card, so that's a win in our book! 🙌 . . ✨Swipe ➡️ to see what I did for the first time tonight, and please comment/share a similar experience!! 🙈 . . YAY! BARGIN! I finally found the Vera Bradley coupon organizer I've been looking for! I tried a plastic version and envelopes and just not my cup of tea and someone had this for their cash envelope system and I instantly loved it! So I spent my weekly money, plus a few dollars to cover this. Listed for $10, offered $5 and they countered at $7! Yippie! 💸 . . #debtjourney #debtfreelife #debtfree #debtfreecommunity #debtfreegoals #debtfreefuture #budgetfamily #budgetlife #budgeting #budgetmom #daveramsey #daveramseycommunity #daveramseybudget #daveramseybabysteps #daveramseyplan #financialfreedom #financialpeace #newfinancialyear #financialplanning
One of the things I love most about holidays is how it makes an otherwise ordinary day, a little extra fun. My sweet girls both had parties at school this week, they've been showered with sweet treats, candy, books, toys, and flowers. Tonight their dad and I are headed out solo while they're home with a sitter so I spent a few extra minutes at naptime putting up a couple little decorations I knew they'd adore. {Yesterday I made some banana bread cake pops to surprise them with after dinner tonight.} 🍌🍫🍭❤️ And my little diy #confettihearts are from the amazing and talented @amanda_evanston. She's an uber talented artist, and the creative mind behind these sweet little hearts which I made into my bunting and used to decorate my cup rack. Check out her highlights for the full tutorial! ❤️ Happy Valentine's Day, Instafriends! #valentinesday2019 . . . . . . . . . . #diymom #stayathomemomma #maketheeverydayextraordinary #pursuepretty #toddlermom #budgetmom #diycraft #heartbunting #realmom #craftymom #budgetdecor #discoverunder5k #littleaccountlove #cakepops #littlebudgetbigstyle #mymamahood #smallspacesquad #psimadethis #makersgonnamake #maker #allthingspretty #lovelylittlesquares #bananabread #freshbloomsandprettythings #freshblooms #documentyourdays #documentinglife #joyfulmama
This is the first year in my entire life that I budget for this holiday. (If you want to know more about valentines at our home, check out my stories) My husband and I don’t really celebrate this holiday so this is all we budget for today. $50 means we get to go to a nice restaurant without gifts and that’s totally ok with us, because both of us loveeee food and that’s the best gift we can give each other. We make our budget work for us and I want to know what works for you? Do you guys celebrate Valentines? If so, what do you guys do? #valentinesday #valentinesdaybudget #holidaybudget #expensiveholiday
It's so sad as soon as I got used to seeing this mirror everyday, I had to leave it 😭😭😭💔 getting home sick already, but I NEEDED a break lol 😆
$95 for this weeks grocery envelope 🛒 Luckily we have a stocked pantry so I’m hoping to do a pantry inventory/clean out this weekend, meal plan with what we have and then create a shopping list for what we need. As mentioned before this month is crazy expensive for us so when we get paid I’m allocating all our money to where we need it to go and then filling our cash envelopes. This works so well when you have goals, big bills or a small pay week. You can always find cheap recipes or ways to save money on the everyday like groceries or happy money so that your money can go to where it’s really needed. 🤔 Is anyone else keen to do a pantry inventory/clean out this weekend? Let me know as I can add some new resources into the free library and we can do it together 💓
Yesterday was so nice. For the first time I didn’t fill out a single Valentine’s Day card, I didn’t rush to the store to purchase bags of candy or fruit trays for school parties, I didn’t feel the need to buy all of my kids matching heart shirts, and I didn’t buy marked up flowers to only be eaten by my cat. * I did however cuddle with my youngest to watch A Little Mermaid, surprised the kids with conversation hearts bought package free, and helped my son with his homework. A beautiful stress free day. * Now I’m not saying you shouldn’t take part in celebrating the day of 💕. I personally was just happy to be content and not feel pressured to do so, thanks in part to this wonderful community. Now when Halloween rolls around it will be another story. Halloween is my jam!! * #valentines #holidays #minimalistholiday #minimalist #minimalism #minimalista #minimalistfamily #minimalistmom #minimalisthome
Do you need help with budgeting? Or wondering what is the best way to utilize your income? My Max Your Money program could help you with your budgeting problems. Click the link in my bio and sign up today 😀 . . #singlemomsbudget #singledadsbudget #singlemoms #working #motivition #singledads #family #familyfun #familylife #budget #budgetmom #everypennycounts #blogmom #familybudget #savemoney #teamdl #motivation #c4c #f4f #goal #lifeiswhatyoumakeit #singleparent #parent #everylittlebithelps #onabudget #stickingtomybudget #budgetingtips #moneytips #makingitwork
Focus on helping someone else’s day shine bright today 💕☀️ Happy budget friendly Valentine’s Day from Annalee. Little fun colored sunnies and a ring pop. Cheap, easy, and cute! What’s in your valentine budget?
Goodmorning!!! Thankful for another day... Went to the bank, getting gas right now and now time for the grocery run... . . Grocery budget went up from $250 to $300.. (remember I said: your grocery budget will change till you are happy with it) Gas is $60 this week (also something we play around with depending on how much gas we need) Dentist for today $30 And yes we got a ticket $75 🤣🤣 you live and you learn . . #debtfreecommunity #debtfreejourney #debtsucks #financialfreedom #daveramsey #daveramseybabysteps #babystep2 #debtsnowball #homeschooling #homeschoolmom #stayathomemomlife #stayathomemom #totalmoneymakeover #financialpeace #debtfreegoals #debtmanagement #debtisdumb #debtisslavery #debtfreeby33 #debtfreedom #debtfreegoals #debtpayoff #budget #budgetshopping #budgetplanning #budgetlife #budgetmom #debtpayoff
Happy Valentine's Day! 💖
I love this quote 💕 It can be true for so many different situations from emergency savings through to getting away for a much needed self-care getaway 🏕 Financial peace ✌🏼
The very first page in my @erincondren planner 😁 I am so excited about filling this up and already see it bringing back some much needed organisation into my life. Naturally the first page is budget related! I'm not 100% happy with the layout of this page so will see how I can improve on it for next month. On an unrelated note, I can't wait to see our income go up from next pay as well. I think next week will be the very last week that maternity leave pay will appear on my payslip. It has been a financially challenging 16 months for us. Loved the time with my daughter, but this return to normal income will help us out so much. I think I've also come up with a good side hustle again, which could see us earn about $400 extra a month! But I'll share that when I have settled on it. Going back to planners, I'd love to see how you use your planners (Erin Condren or other brand) - so tag me! 😊 If any of you are curious to see the planner, check out my stories. I have shared the deluxe monthly planner that I am using here.
We’re not big on Valentines Day and usually don’t do anything but hubby has been wanting to go Hogs Breath for ages and we didn’t do anything last week for our 12 year wedding anniversary so we’re taking the boys out for dinner 🍽 When we first moved to Australia we ate out here a lot as hubby loves their steak and quickly filled up one of the stamp cards to get a frequent diner card for free. When I took it to the manager he kindly gave us each a card 👨‍👩‍👦‍👦 This card is a lifetime membership, you get a free meal in your birthday month and 25% off every meal purchased 🙌🏼 When we go out for dinner as a family we usually budget $30-$60 depending on where we go and these cards very easily save us $20+ which is huge!💰 Do you have any rewards cards that you find well worth it? I’ve seen there is a Coffee Club one but you have to pay for it? 🤔
This week our groceries came in $6.70 under budget at $143.30! Usually I would be disappointed in myself cutting it so close, but I purposely spent more this week as I feel I was being 'too frugal' with my meal planning. I stocked up on extra meat for the freezer because it was on special, and also treated my family to a few goodies. Swipe left 👈 to see my grocery shop for the week!
Pay comes in and pay goes out 😂 My 52 week savings challenge is coming along nicely! I reset all my Sinking funds at the beginning of February since I used them in January to help pay for some of the back to school costs. So then I created a new Sinking Fund for School costs for next year...by the time I pay for 2 x school fees and Mr 11s camp I would have paid well over $1100 in school costs so far this year!🤦🏻‍♀️ We are doing OK, we have food, shelter, bills are all paid and we have a little bit of savings. Still would love to be doing more and I know it will happen, it’s going to happen but still feel a bit meh 😂 I’ve got to remember we don’t earn millions and we have one income and no assistance in any other form! So I’m just going to do my best!! 😁 - Anyone else feeling MEH?? 🤪
We stocked up on snacks to make it though till Monday, all plastic free. We also have hardboiled eggs, sliced cheese, oat bars that I’ll make tomorrow and fruit/veg that I’ll pick up at the market. * A lot of people will argue that this is expensive, but I save so much money by only buying what I know my kids like, not letting anything go to waste, and buying ingredients that can be used for multiple recipes. * I love to include my kids in my grocery shopping. It’s good for them to not only get to pick out new things to try, but it’s also good for them see me pass on plastic wrapped, processed snacks. I’m always educating (okay maybe brainwashing) my kids on the importance of package free shopping. * #groceryshopping #groceryhaul #plasticfree #packagefree #zerowaste #lowwaste #bulk #pantry #healthysnacks #thesourcebulkfoods
Target ain’t got nothin on me 🙅‍♀️💪🏻
I actually really like this system. It forces you to be intentional with your money and as a budgeting method, I think it's one of the easiest methods to get a handle on, but I don't think this is for everyone. I looked into the cash envelope system a few weeks ago as we were having trouble with maintaining our variable expense such as groceries, outings and/or my husbands spendings at work for a coffee or two. As we had all our money in the one transaction account, we didn't really think much about how much we were spending on those items. We just spent, thinking 'yeah we're still in budget' but the reality was that those charges were getting lost in between the direct debits for our fixed expenses and we were losing track of our variable expenses! I was worried about my husband losing the cash too, or moving the money around to suit as he has never been intentional with his spending. He usually spends very little, but when he spends he spends big. I was almost going to trial the cash envelopes, but I then worked out a solution that has worked an absolute treat for us. I opened a second transaction account in our names and every fortnight when we are paid, I transfer the budgeted amounts allocated to our variable expenses into the second account. As it comes with a card, we don't have the concern of carrying cash or forgetting our cash. And since the amounts in the account are little ($150 for groceries and $80 for work spending per fortnight) we haven't gone over since implementing this. Our fixed expenses which is taken from the other account is now untouched. We just have all our bills direct debited and don't have to worry about having overspent. I also make a point to track our variable expenses separately in our spreadsheet. This is so I can see if we have underestimated our variable expenses for the month and then make adjustments to our budget accordingly. So far this is working extremely well as we find ourselves with a decent chunk left over every fortnight. We just roll any excess over. This is just our way of doing it and so long as it works, we'll keep with it. Does anyone use other methods?
Bit of a Valentine’s Day themed #TBT , 😘 (+ just a really cute photo haha) . My husband and I have never really celebrated Valentines Day, so it’s pretty much just another day for us, but I hope you all have a wonderful day all the same 💞 . . . . . . . . . . . . #budgetlife #frugalliving #debtfreecommunity #debtfreejourney #frugalmum #frugalmom #frugallife #frugallifestyle #budgetmom #budgetmum #debtisdumb #daveramseybabysteps #mumlife #momlife #mummy #momsofinstagram #disneyland #disneydays #kisses #valentinesday
Groceries done at @countdown_nz for $243.06 which is $16.94 under #budget but still need to find some eggs as they had none! A few extras this week as hubby is going away for 3 days next weekend and it’s cheaper to take your own food 😁 Break down this week: $44.09 Fruit and Vege $34.09 Meat $27.09 Toiletries and Cat Food So $137.79 is Fridge, Freezer and Pantry food! Got some canned food on special so I’ve stocked up and it’s hubby’s first week on the Countdown brand Weetbix, wish me luck 😂
Stayed within my budget for the most part . Budget was set for $50, went over by $0.20 cents. Only needed to restock a few produce items for my meal preps and get the teenager the noodles that he loves to eat on 🙃. Little does he know I’m making his favorite dish tonight which is eggplant parmigiana #fulltimemom #healthyfamily #budgeting #budgetmom #groceryshopping #fitmom #saveingmycents #frugal #eatwholefoods #everythinginmoderation #mommythings #justAmom
My 99 cents only store store version of edible arrangements 😍😍😍video will post later today😍@99centsonly store #99centsonly #99centsonlystore #99centsonlystorefinds #99obsessed #dothe99 #frugalmom #budgetmom #valentines #chocolatecoveredstrawberries #thenativefamily
A few months after beginning our #debtfreejourney we set up “kid commissions” for our 3 kids. I heard about the idea from @rachelcruze & @daveramsey and loved the prospect of teaching them at a young age that you earn money from doing work and you aren’t just given an “allowance”. . Our oldest loves this and has earned her full potential each week, plus extras for going above & beyond. She has a cash envelope system and has her savings divided into spend, save, & give. . When it comes to spending I allow her to use her money as she wishes, and right now that means buying snacks one day a week at dance class. My favorite part about this is that she never even asked if I would buy them, she automatically got her cash and did this on her own!!! . How do you handle kid commissions & spending??
Valentine’s Day in the Yumbox for Mr 5. Not my best work but considering the week I’ve had, I’m pretty happy with it! Sorry for all the lunchbox spam recently, will hopefully start with more variety again soon.
What if I told you that you can be successful with your money WITHOUT having to track every dollar? Would you think I was crazy? Well, it’s true. There is a budget technique out there that is easy to adopt, easy to follow and it doesn’t require you to track all of your expenses. It’s called the 80/20 rule. Simply put - 20% of your take home pay goes towards savings and your emergency fund the remaining 80% is spent on everything else. In today’s post I’m sharing all about how the 80/20 rule works in real life and how it might be perfect for those budget-haters out there. Check out the blog to learn more: https://merelynne.com/8020rule/(opens in a new tab) . . . . . . . #budgetinghelp #moneymanagementtips #budgetmom #momonabudget #howtosavemoremoney #spendlessandsavemore #howtobudget #createabudget #howmuchtospend #howtopayoffdebt #howtosavemoney #managemoney #helpwithmoney #womenandfinance #8020budgetrule #budgethatersunit #budgethelpformoms #howtobudget #stopbudgeting #payoffdebtfast #debtfree #financialjourney #financialfreedom #workingmomlife #frugalfamily #frugallife #frugalmomma #meredithrines #merelynne #certifiedfinancialplanner
We made these super budget friendly Valentines for Link's school friends. I love them so much! 😍 Inspired | @jenmanship #happyheartday #diyvalentines . . . . . #kidsdiy #budgetmom #easyvalentines #keepitsimple #lollipop #redheart #celebratelove #happyvalentinesday #feb14 #february #yyckids #yycmom #calgarymom #canadianmom #lifefling
Lucas officially made $20 and today we took him to spend his hard earned money . . I’m very proud of my boy he bought something that will help stimulate his mind instead of adding another useless toy to his collection of toys lol... Go Lucas!!! . . He also invited his sister to have a slice of pizza 😍 . . For those of you just joining us, My son Lucas is 4 years old and we are currently teaching him to work and earn money. Once he makes $20 or more, we will take him out to spend his money, so he can understand how good it feels to work hard so he can buy what ever he wants. Once he turns 6 years old he will start learning to save his money and give. . . #debtfreecommunity #debtfreejourney #debtsucks #financialfreedom #daveramsey #daveramseybabysteps #babystep2 #debtsnowball #homeschooling #homeschoolmom #stayathomemomlife #stayathomemom #totalmoneymakeover #financialpeace #debtfreegoals #debtmanagement #debtisdumb #debtisslavery #debtfreedom #debtfreegoals #debtpayoff #budget #budgetshopping #budgetplanning #budgetlife #budgetmom #debtpayoff #smartmoneysmartkids #financialfreedom
Today is one of those days I’m so thankful to work from home. It’s raining. I’m in my pajamas with a blanket and about to start my work day. 😊 I used to be one of those ratty old T-shirt’s equals pajamas people. After I read the Life Changing Magic Of Tidying Up, I tossed most of those. I kept a few for paint clothes. So I have one small basket of old shirts and a couple pants for painting and projects because that happens a lot around here. But for bed, I’d rather be both cozy and cute. I do still have someone to impress after all. 😉 I would say keep one or two “Day 1 of my period, stay the hell away unless you have chocolate” super comfy beloved pjs and step up your game on the rest. #closetorganization #pajamas #minimalistmom #declutterchallenge #projectdreamcloset #organized #organizedhome #budgetmom #capsulewardrobe #pjday #declutter #minimizethenorganize
Addie and I had some fun this morning shoveling the left over slush from the driveway! She was my special helper! When Regan is in PreSchool, Addie and I get our special time together- Just Mama and Addie❤️ As much as I squeeze in errands and some work, I really try focusing on just us, as I wasn’t able to do this with Regan. Being laid off was a tough pill to swallow, but I’ve learned to appreciate every day I have with my girls to be present in all their milestones! Yes, even the tantrums too🤦‍♀️. I’ve been learning to pursue what makes my family and I happy rather than just going through the motions of working that job I thought I HAD to do as a manager in a maze of cubicles. I’ve learned to create more flexibility of time for myself and my girls through this business. Isn’t that the most important “commodity” in life? TIME! ...That thing we can never get back?? Thinking back 2 years ago, I feel so blessed to have been introduced to this opportunity.....earning an income from home while helping others achieve their goals and working on ME! If you think this sounds like something you want to know more about, let’s chat! I would love to share my story with you! . . . #postpartumjourney #postpartumfitness #fitnessmomlife #momofgirls #stayathomemom #momsgotthis #cantstopwontquit #nomoreexcuses #hypothyroidmom #womengettingstrongertogether #mompreneurs #budgetmom #momstryingtofindbalance #stayathomemomsidehustle #thyroidhealing #toddlermess #sanityformom #selflove #imworthit #momsgettingfittogether #supportformamasgettingfit #day1notoneday
Anyone else ready for spring/summer? We are!! This week we are working on our “kids have outgrown their clothes” budget 😃 I’ve been stalking Old Navy, Gap, and Target for my favorite items and saving them in my cart until the right sale comes along. Sales happening right now: Target: Spend $40 on clothes, shoes, and accessories save $10 ( you can check out as many times as needed to gain extra $10 off) Old Navy: 25% off (online only) Gap: extra 20% off
Since my gorda decided to outgrow Valentine robots and start Middle School 😭 I can now make it a new tradition for Kaine!!! My Special Valentine's Day robots for my baby and his class. And of course a special one with extra Tootsie Rolls for his girlfriend 😂 #love #lovemykids #diy #valentinesdaygift #valentines #prek #babykaine #budgetmom #craftymom #crafts #maybelinescreations
Why I have been MIA....👀 My husband and I have reflected a lot in the past couple weeks of what we want our future to look like.... we always come back to the same dream... traveling! 🧳 🧭 🚙 He wants to pursue travel nursing so we have been busy submitting information for that.... 👨‍⚕️ Being that I am a nurse too makes it even better! Maybe one day we will both take assignments 🙃 Whether it’s 6months, 1 yr, or 2 yrs from now...we don’t know. But we are working towards it now. We decided to put the Debt Snowball on hold, until we have our 3 months worth of expenses saved! Which luckily for us will be hopefully in the next month or so!!! 🙌🏻 So by the end of March I’m hoping we are back at our Debt Snowball with a nice cushion for him to dive into travel nursing! Once he takes a travel assignment we will be able to pay off debt faster! Budget is still going strong!!! 💪🏼 #goals #manifestation #budgetmom #nursing #debtfreejourney #debtfreecommunity #familyof5 #homeschool #mom #liveyourbestlife #nursinglife #travel #travelnurse
This past Monday was our FPU lesson #2 . We were both so excited. I really feel it's going to be great for us financially and marriage wise 🙌 . . We talked more about debt snowball, a lot of myths with money, and cut up credit cards... Well, let's be honest, some did. We didn't yet. We need too still! Hubby didn't have his wallet with him and I think it's important to do it together. 😘 . . Couple takeaways: ✨I need to close out the countless cards that are open in my name/not being used (I was always scared of hurting my credit while buying a house/cars) now I'm okay with closing them! ✨Sell a car? We are thinking about it! If you have, please please share your story! ✨Get the accounts reconnected to my Every Dollar app, there was an issue with the login/website. . . ARE YOU UN FPU?! I'd love to connect, hear more people's stories/reasons. I'm still contemplating cash envelopes also. I talked with someone yesterday who does and expressed my concerns for loosing everything 😫 . . #debtjourney #debtfreelife #debtfree #debtfreecommunity #debtfreegoals #debtfreefuture #budgetfamily #budgetlife #budgeting #budgetmom #daveramsey #daveramseycommunity #daveramseybudget #daveramseybabysteps #daveramseyplan #financialfreedom #financialpeace #newfinancialyear #financialplanning #financialpeaceuniversity
Let’s talk podcasts. I need to freshen up my podcast playlist and am in need of some suggestions. * Podcasts focusing on minimalism, sustainability, finances, motherhood, and simplifying are my jam, but I’m open to anything. * Please share your favourites or if you have your own podcast please feel free to let us all know✌️. * #podcasts #minimalism #finance #simplify #motherhood #organization #organized #momlife #organised #organisation
Playgroup Style! Every week I bring my boys to our local recreation department for a playgroup. It has SAVED me as a SAHM! An hour and a half of talking with some amazing moms/women who I’ve grown to consider good friends >>>>>> Also, loving my “Mama” sweatshirt that I got from @etsy and my brand new Fanny Pack from @fawndesign 😍 This fanny pack has been a GAME CHANGER!! Every mom needs one!!! #styleblogger #styleinspo #fashioninspo #momlife #boymomlife #momofboys #boymama #momsquad #mama #etsy #fawndesign #fannypack #fashion #fashionblogger #fashionblog #ootd #ootdfashion #momootd #bostonblogger #bostonmom #newenglandmom #momonabudget #cozystyle #comfyoutfit #casualstyle #casualoutfit #budgetfriendly #budgetmom
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