My birthday was Thursday. My mom sent me a $50 Disney GC. My dad was here visiting this last week and gave us our Christmas gift early which consisted of $290 in Disney GCs. This will cover all but about $50 of our admission for our trip coming up next year since The Dude is free.
I got banned from donating plasma for the next month because my protein levels have been 1/10th of a point too low too many times (🙄🙄🙄) so I was really sweating having to pull from our regular budget to pay for Disney. Not because we can't, just because I didn't want to... and now I shouldn't have to! I'll take this over some new kitchen appliance I'll never use or a sweater I could do without any day.
I’m sharing my Morning Routine since I get asked about it daily. It often makes an appearance when I screenshot my time-blocking or to-do list in my Stories, and it is one of my keys to having a successful day for. I don’t skip it very often, BUT it rarely gets done in order, NEVER gets done all at once, & sometimes isn’t done by lunch. I don’t have time to get up 30 minutes early and go sit in a quiet space to reflect & plan my day. So this is usually done quickly and on the fly. Feel free to ask questions!
Brush teeth - you’re supposed to have one easy thing you can automatically check off, right? 😂 I know it’s usually “make your bed” but if Ant’s home, he’s still asleep when I leave.
Unplug Electronics - Fitbit, phone, iPad, AirPods, Garmin, kindle, external batteries... all things that would get left behind if I didn’t check.
Bible Study - this comes through in many different ways. I love “the Bible” app - it sends a verse every morning, and you can also listen to chapters, which I do on my way to work. On weekends, I spend more time via a devotional, etc. I just try to make it work with what time I have in a given day. Could be 1 minute or 20.
Affirmation - I’ve noticed a huge difference in how my day starts since I wrote this. Helps me focus on what I want. I’ll share it separately.
Finances - I do a quick check of both banks to make sure nothing funky is going on (I catch tons of mistakes this way!) & update any new transactions. Takes 5 minutes or less.
Visualization/Time Block Day: I set up my time block. I pull items from my to-do list & find time slots for each one. I also quickly visualize myself doing each thing on the list. Reminds me of things that might need to be done/packed before/after.
Journal 2 Things: I keep a journal of 2 things I’m going to get done today in the format of “I will...” Helps me zone in on my top priorities. I can share what this looks like separately.
Check in with Current Goals: I open my Strides app and see where I stand for daily/weekly/monthly goals. REALLY pushes me to stay on track with them when I assess them briefly each morning. Can also add these items to my time-block if they need it.
Have you ever freaked out about going out to eat at a restaurant because maybe they won't have something you're allowed to eat?
I remember one time I met up with two teacher friends in Wicker Park. I was looking over the menu already aware that whatever I ordered wasn't going to be an enjoyable experience. My chest was so tight because I was nervous about the food. I ordered a burger with no cheese and no bun and a salad with a balsamic vinaigrette on the side. They forgot and put the dressing on the salad. I remember putting the lettuce up to mouth, taking a taste, and realizing there was sugar in the dressing. My whole restaurant experience with my friends was ruined because there was a little sugar in salad dressing. So it just became easier to not go to restaurants with friends rather than risk eating something that wasn't perfect.
OK. But freal though. Can we talked about messed up this is?
HOW IS ISOLATING AND MAKING YOURSELF NERVOUS ACTUALLY HEALTHY FOR YOU?
I get it, we're on this planet one time and need to take care of our bodies so we can live a healthy life.
But also, we're on this planet one time and need to enjoy life and not try to micromanage everything to the point we drive ourselves insane.
Trust > control.
I grabbed lunch with my friend yesterday and did NOT look ahead at the menu before we decided where to go. Trusted that I would find whatever I wanted to eat once I saw the menu and I wouldn't have to starve myself nor feel the need to eat the whole plate because I "messed up" somehow.
I got Shepherd's pie with a side salad and a peanut vinaigrette that most def had sugar in it. So tasty. The Shepherd's pie was pretty big and I actually was able to repurpose it into 3 meals instead of 1 meal that would make me feel like crap from Clean Plate Clubbing it.
Life is imperfect. Our eating can be too.
p.s. If you're still struggling with the whole #cleaneating
followed by a swing on the pendulum to eating everything in sight, check out the quiz in my bio to see if #imperfecteating
coaching is for you.
What a great morning!!! All 800 team members went to Green Hills Mall for a shopping spree. We all received $1000 cash each for Christmas!!! #workthatmatters #daveramsey #rscp18
I’m baaaaack! I got a $2000 bonus, $1400 after tax. Luckily we’re doing “kids only” Xmas and only buying for my parents and in laws $50 per couple gift cards. I wanted to put $1000 towards this $1600 balance buuut not gonna beat myself up because before I would spend the bonus and then charge the cc to do “extras”. Nope. Never again. I’m so excited to start the snowball again! I was off this account a lot because I felt so guilty pausing the snowball and seeing everyone’s progress but I’m soooo happy to be back!
this spoke to me in so many ways!!!!
Remember when the best free activity you could do was laying out in the Summer sun instead of sitting in a pile of your Winter sickness? Yeah, me too. 😘☠️🗣 #missyoukayak
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.
Hey everyone! I’ve started another account for the purpose of talking about our debt free journey. I separated it from my personal account because I know some people won’t want to see all of this stuff. Most of you know me but some may not so I will introduce myself. I’m Erin and I’m almost 34 and I am happily married with 2 human children and 6 furry kids. My husband and I have been in debt for our entire relationship and we are sick of it! So we started a the journey to be debt free. Our main issue is that we enjoy eating out. That is where 70% of our overspending happens. Be it due to convenience or laziness, we eat out a lot. I will be using this platform to talk about journey and the hiccups (they will happen, I know it) that ensue. I will do my best to be transparent and I hope you all will hold me accountable. #debtfreejourney #debtfree #daveramsey #bs2 #spendingfast #spendingfasters #debtfreecommunity #debtfreegoals
For the next three weeks, I am trying something a little different for my lunches.
After not having a meal plan last week (see the consequences of that on the second slide), I knew I had to buckle down and find an affordable, healthy option for my breakfasts and lunches.
If you saw my stories yesterday, I showed you my exact plan on how I was going meal prep my lunches and breakfasts for the next three weeks.
Here's what I came up with. After going to Costco and spending $133 on food costs to cover everything for the next three weeks, I'm down to $9 in my food envelope.
That means I technically failed at the $10 cash envelopes savings challenge this month, as I was supposed to save $10 from each of my envelopes.
It's okay. I still have 5 envelopes to complete the challenge.
I'm trying to stay more disciplined on using the correct cash from the correct envelope, meaning I'm not using cash from my Misc envelope anymore for eating out.
I had to get over that fear of depleting my food cash.
This is what my lunches will look like for the next three weeks. I priced it out, and the cost for each lunch is around $3.80 per lunch.
Do you meal prep your lunches? What do you eat?
Like tiny, very loud babies 😆😍
Took our kiddos to Disney for the Very Merry Christmas party. Had a great time and spent $0 on food for the day that we were there. How? I got roped into a stupid time share type thing at the hotel, but the front desk offered me a $125 visa gift card at check in so I said $125 gift card??? Sign me up! So the next day I sat through an hour and 15 minutes of the spiel before I cut the guy off and said no way was I joining and off I went. No shame in my game. Thank you very much for the $125 and two light up wands you tried to entice me with 😬 ps. He was not happy, but oh well 🤷🏼♀️🤷🏼♀️🤷🏼♀️ #debtfreecommunity #daveramsey #ilovegiftcardscanyoutell
Double tap if you try to heal old wounds & be positive consistently.
Well, I decided to add the remaining debt.. what’s on our cards, my car, and my husbands students loans and his little fumble with the irs.. we are under 30k 😁 hopefully 2 years this will be long gone..
Congratulations to Dave Ramsey on what he continues to do for his employees and team members for Christmas each year. What a incredible man! I’ve always been a fan. $1000 each for 800 team members. #doingworkthatmatters #daveramsey
I slightly fell off the wagon in terms of tracking my spends. I only really have knowledge of my grocery spends but really didn’t spend much other than that. Groceries were cheap but I noticed that I was missing out on snacks and lunches which wasn’t good!!! I’ll definitely need to keep an eye on that during December/the new year!!! I have also missed out on going out with my friends because I’ve been so focused on making sure I have enough to spend less of my emergency funds on rent, I’ll be having to look into my budget with that for my sanity’s sake.
Vistaprint has up to 50% off everything with promo code SALE50 until tonight incase anyone needs thank you cards, business cards, or any other kind of marketing material!
that's $68 worth of clutter on that scale! i've been selling like crazy on poshmark and will be going through my closet and summer clothes to see what else i can sell. this is my idea of spreading holiday cheer! 😂🎄
a lot of people have trouble getting rid of stuff. they're either emotionally attached or worse...just want to have it just to say that they do. if you're having trouble ask yourself these things to determine if you should sell it or not:
1) is it in good condition?
2) have i used it/worn it in the last 6 months to a year?
3)are there special conditions to use/wear it? (ex. needing to be a certain size to wear an item?)
4)do i really need it? (then list three reasons why!)
get to decluttering people! there's money to be made and debt to be paid! 🤑
This is especially important when you have dependents. Type “YES” if you agree.
Are you ready to be rich? Do you want to save money but you don’t know where to start? Are you sick of living paycheck to paycheck? Tired of feeling anxious and scared when you log into your bank account? Do you have big dreams and goals that you want to accomplish? Are you ready to take some action to reach them? ✨
If so, this one’s for you. In today’s blog post I am writing my first review on the book Smart Women Finish Rich. I am sharing my personal values around money and why it is important to me. I am also facing my fears and sharing the specific, measurable goals that I am going to accomplish by 2022. Link in bio. ✨
And just for fun, drop an emoji below if money is important to you 👇🏻
Putting the little ones to work making Christmas goodie plates for our new neighbors. This is something we always did growing up, and we received many as well. I always loved it! It’s cheap, it’s delightful, it spreads Christmas cheer and friendship. 🎄
Keeping the faith while trying to budget for January. Next year’s numbers WILL BE better than last year’s. Do not be discouraged by anyone else’s great success- you just haven’t caught up to them yet! #debtfreecommunity #daveramsey #debtfreejourney
I was about to scroll through my phone to look for a perfectly posed picture to share today since I don’t feel well enough to make myself look nice. You know, my page has to be perfect… because that’s what you do on social media, right? ugh.
As authentic as I try to be, I still get caught up in the picture perfect life... but what I realized throughout this whole thought process was that I AM living my perfect life. I just am not taking the time to stop and appreciate it.
Let’s make a quick list of some things I have now that I have been working so hard to for…
Jordan and I have a loving marriage.
I WORK FOR MYSELF!
We own a home together.
I no longer rely on food stamps.
I don’t have to drive to a job everyday that I hate.
My dogs get the love and attention they deserve.
I am not depressed every moment of every day.
I can fill my tank up full every time I need gas.
Need I say more?
I remember a time when NONE of these things were true.
I’m working hard for that girl.
This is my work space today… and I am CHOOSING to be here.
Even on my “sick days.”
‼️ Reminder! ‼️
👀 link in bio for site URL. 👍
Excited to see where we will be a year from now. I’m hoping 2019 will be a year of prosperity and growth 🍾🍾🍾 I have 3 goals for 2019:
1. Get a pay rise.
Getting a pay rise would simply increase my saving rate, because we always live below our means.
2. Start an investment portfolio.
I ideally would like to get #BS3
out of the way first just to be safe. I’d be happy to just make enough slow investment to use it on top of my retirement money.
3. Create a second personal income.
Technically our household has two incomes but I would like an extra one just for myself. On the hunt for my perfect side hustle.
Now is the time to be thinking about YOUR 2019 goals. Where do you want to be 1 year from now?
#goals #2019goals #2019 #debtfree #debtfreecommunity #debtfreejourney #daveramsey #financebitch #finance #financialpeace #babystep3 #investing #sidehustle #ukdebtfreecommunity #uk
You never know who you will run into when going to the mall in December. #daveramsey
If you look at my profile bio you will see I've listed my debt snowball in order of smaller to larger. I am currently working on paying off small debt first and then with the next debt I will use the money from previous debt #1
and also current payments on debt #2
combined will be a greater number to pay. Its less painful than trying to pay thousands when you dont have it. In this way the payments get bigger and bigger and more and more debt is paid off. I had a major aha moment when I saw this method and this I can handle!