#emergencyfund

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School uniforms✨✨✨ so next week I’m suppose to be picking up my boys school/ kindy uniforms for the new school year... I had put an order in totalling to $172.80 literally for x3 tops and x2 jumpers (because I get there pants & shorts from best & less) then this ad on fb just popped up for a Hewett uniform bundle 🤯 4 tops, 2 jumpers, 3 pairs of pants & even girls shorts & a skirt which I will put away for when olive starts school.. all in good condition no damage no marks! I asked if she would take $20 for the lot & she accepted plus she said she just found another top that she will throw in the bundle for free.. so I’ve just saved myself $152.80 by not having to buy from the school 👏🏻👏🏻👏🏻 . . . #savings #specials #budgetting #emergencyfund #newwayoflife #cleankitchenfeels #swipetoclean #thebarefootinvestor #thebarefootinvestorforfamilies #completelifestylechange #completeoverhaul #life #debtfreecommunity #mind #mindset #changeyourlife #change #debt #debtfreejourney #lifegoals #completelifetransformation #ozdebtfreejourney #ozdebtfree #ozdebtfreecommunity #debtfreegoals #tired #parenthood #mumhood #sidehustle #marketplace
💰Ching Ching!!! Sold my first item on @mercari !!!! Anything I sell will be going to Baby step 3️⃣ (Emergency Fund)!! Check out what I'm selling on Mercari! Use my code PZXVGT to sign up! https://www.mercari.com/u/197938902 • • • #savings #sales #purging #sellit #cleaningoutmyclosets #cleanhoarder #mercariseller #mercari #babystep3 #rainydayfund #emergencyfund #promote
Hey!! I didn't actually go anywhere... just fell off the the face of IG Earth. My last post was in March of 2017 😫. A lot has happened between then and now. My husband and I found out we were expecting at the end of March 2017 and we paid off our last consumer debt in April of 2017. We welcomed a beautiful baby girl in December of 2017 😍 and spent 2018 figuring out how to be first time parents (I think we will be figuring that out for a long time). We saved 4.5 months towards our emergency fund and now we are working on paying off our mortgage. I'm hoping that posting here again will keep me more accountable towards our mortgage payoff goal. If I kept your attention this far, what keeps you motivated/ accountable on this journey? Any frugal family (with a small child) fun tips? . . . . #debtfreecommunity #debtfreejourney #debtfreedom #danielsdebtfreejourney #shakingdebt #budget #ballingonabudget #paidinfull #gazelleintense #daveramsey #debtfree #hustle #cashisking #money #debtfreecommunity #debtfreejourney #debtfreedom #danielsdebtfreejourney #emergencyfund #shakingdebt #budget #ballinonabudget #paidinfull #gazelleintense #daveramsey #debtfree #cashisking  #borrowerisslavetothelender #byemortgage #mortgagefreecommunity
Hello Emergency fund! Like most people, the idea of only $1000 seemed scary, so I decided every paycheck (every 2 weeks) we'll add a little something. I know, I know... the starter EF is supposed to be low to fuel your gazelle intensity blah blah blah. Here's the thing, we aren't gazelles. We aren't intense. We are not Dave Ramsey purists. 🤷‍♀️ Also, I just want to say how proud I am of us. Because we used to be total spenders and this has been a huge step! 💪 #savings #emergencyfund #debtfreecommunity #money #personalfinance
Today was PAYDAY!! 🤑 So I was able to fill up my cash envelopes ☺️👌🏽. I take cash out for things like GAS, EATING OUT, GROCERIES, CAR MAINTENANCE, & I give myself some FUN money! A budget wouldn’t be fun if I wasn’t able to treat myself 😆. . . If you swipe you’ll see what I use to budget every single paycheck down to every single dollar (zero based budget). I created my own worksheet that works for me. I’m a paper/pen kinda gal 📝. . . I also take out cash for things I’m saving for throughout the year. These are my sinking funds. Which is basically a fund you gradually accumulate. I plan ahead for CHRISTMAS, TRAVEL, BIRTHDAYS & SPECIAL OCCASION, & a few more. . . What do you plan ahead for? 🙂 LMK IN THE COMMENTS BELOW 😁 . . #cashenvelopes #emergencyfund #debtfreegoals #financialgoals #zerobasedbudget #budget #budgeting #debtfreecommunity #debtfreejourney #cash #sinkingfunds #dfc #planning
Does any one else have a change jar? 🏺 perhaps with tequila? 🤣 #daveramseybabysteps #budgeting #daveramsey #emergencyfund #babystep1 #debtfreecommunity #debtfreejourney #debtsnowball
So here we are... our first quarter with Tango Energy. We were previously with Energy Australia and were getting a great deal (47% pay on time discount). We don’t get any discount with Tango, but we are still saving money! The same quarter last year, our bill with Energy Australia came to $667.95 before discount / $441.96 after discount. This quarter with Tango, our 3 bills came to a total of $334.50 ($333.45 less than the pre discount of EA, $107.46 less than the discounted rate). This included a $50 one-off signup credit with Tango. Calculated at the discounted rate, that’s a saving of over $400 a year that we can put towards our emergency fund, and then off the mortgage. . . . . . #tangoenergy #tangoaustralia #debtfreejourney #debtfreecommunity #debtfreecommunityaustralia #ozdebtfreecommunity #savingmoney #utilities #electricitybill #mumswhobudget #BS3 #emergencyfund #FFEF #payingoffthemortgage
https://www.gofundme.com/6pjlj7k Hey everyone. This is my nephew David. Aka Baby David, he just turned 7 months old on thursday the 10th. That same night he was taken to the hospital where he was diagnosed with Pulmonary Hypertension. Pulmonary Hypertension is an incurable and rare lung disease. This disease cause high blood pressure in the lungs. This is putting stress on his heart. I have attached the go fund me link above. Any donation can help!!! I love my nephew very much and i just want him to come home from the hospital Plz like and share with everyone. #baby #nephew #pulmonaryhypertension #misobrino #tia #hospital #childrenshospital #childrenshealth #childrenfirst #childrenfirst #organdonor #organdonation #sickbaby #sickboy #gofundme #pleasedonate #pleasehelp #medical #medicalassistance #emergencyroom #emergencymedicine #emergencyservices #emergency #emergencyfund #ohio #florida #america #unitedstates #unitedstatesofamerica #cleveland #rainbowbabies
I did a thing today! I didn’t think I’d be able to do this so soon in the month!! #financialfreedom #debtfreecommunity #savingmoney #emergencyfund
🏆 What do you enjoy the most: a job well done that required lots of hard work... or a mediocre job that you complete easily? 🏆
I get so upset thinking about it and I’m not even directly affected by it. This is why it is so important to have #financialpeace . Some unforeseen event like this can easily happen to any one of us 💔#governmentshutdown #debtfreejourney #debtfreecommunity #dfc #daveramsey #daveramseybabysteps #babystep1 #babystep2 #emergencyfund
Do you have one? All I can think about during this shut down are the regular people like you and I who aren’t getting paid. Remember that fact I shared last week? Most people can’t cover a $400 emergency. Just imagine for a moment not receiving the next paycheck you are expecting. It’s unimaginable for many of us. If you are one of the people affected, know that I think of you every day during this crisis. I have heard the lesson and will stay ready in my own life. #debtfree #debtfreecommunity #budget #financialfreedom #slaythisdebt #choosefi #moneygoals #personalfinance #mom_to_millionaire #mortgagepayoff #mortgagefree #financialindependence #getoutofdebt #smartmoney #buildweath #moneymanagement #debtisdumb #womenandmoney #debtfreeissexy #moneymatters #remodel #homeimprovement #retirementplanning #daveramsey #chrishogan #emergencyfund
Savings challenge starting February 1st! Transitioning into a new year after the holidays can be rough! Start February off right! Challenge yourself to lower your grocery budget! At the end of the month, whatever you were able to save, pay off some debt or put the money in a savings account! #save #grocerybudget #shop #emergencyfund
HOW TO SURVIVE A BEAR ATTACK Bears don't want to attack people. We kill them far more often than they kill us, and many bears seem to be aware of that ratio. When they do attack, it's usually because they were either starved or startled. https://www.mnn.com/earth-matters/animals/stories/how-to-survive-a-bear-attack #survive #survivetravel #emergencyroom #emergencymedicine #emergencyservices #emergencypreparedness #emergencyfund #emergencyresponse #emergencykit #emergencyvehicles #emergencylamp #emergencyexit #emergencynurse #emergencyservice #EmergencyDepartment #emergencymanagement #winter #winteriscoming #medical
It's pay day (well technically it went in very late last night) - I've spent the morning going through the budget and working out what bills to pay. - On the plus side, I sent $23.53 (balance in our account before my pay hit) and $435 to our EF. Can't wait to see what the balance is at the end of the month. - #debtfreecommunity #debtfreeaustralians #australiandebtfreecommunity #becomingdebtfree #budget #debtfreejourney #2019goals #debtfree #emergencyfund #payday #ozdebt #ozdebtfreejourney #ozdebtfreecommunity #frugalliving #beingfrugal
Hi, I'm not very good at introductions but here goes..I'm a 30+ woman living in Australia looking to make 2019 my best year yet! I'm a Dave Ramsey follower currently on BS3 and looking to save $10,000 towards my full emergency fund. I'm also on a mission to lose 20kgs this year..they say health is wealth! I'm using this account to hold myself accountable and look forward to sharing my journey with you all 😊 #debtfreecommunity #ozdebtfreecommunity #ozsavingcommunity #daveramsey #babysteps #emergencyfund #babystep3 #buildingwealth #money #budgeting #finances #onamission #weightloss #losingweight #healthiswealth #weightlossjourney #2019
ACHIEVEMENT UNLOCKED! $2000 😱 This is a little embarrassing but this is the most money I have ever saved that hasn’t been for holiday spending money! Even then I’d rack up my credit card if I couldn’t save enough to spend! I will slowly add to this eventually so I have at least $20k which I feel will be more realistic for an emergency fund. . . . #savingmoney #savings #emergencyfund #extramoney #budgeting #yas #barefootinvestor #barefootbudgeting #debtisdumb #debtfree #debtfreecommunity #debtfreejourney #ozdebtfreecommunity
Hey #Navient ! I plan on breaking up with you very soon. College ended 5 years ago and so should we. Pay off goal is April 1st, 2019! Almost under the $2k's! Semi-monthly updates (my pay frequency) will be a new thing to keep me accountable, intense, and most importantly debt free 😉 #debtfreeaf #financialndependence #moneymatters #debtfreejourney #debtfreecommunity #cashisking #debtfreeisthenewsexy #debtfreeby30 #debtfreedom #debtsucks #frugalliving #everypennycounts #minimilist #frugal #singledebtfreejourney #financialgoals #debtavalanche #debtsnowball #salliemae #studentloans #sinkingfund #emergencyfund #saving #savingmoney #masteradulting #champagnetaste
69% of Americans do not have the money to cover a $1,000 emergency! Yet the average American spends more than $1,000 through the holidays. What that tells us is that we have the money, but we spend it on liabilities. 🤦‍♂️ - The most important factor in becoming a millionaire is discipline. The discipline to work hard day in and day out. Discipline to stick to a budget. Discipline to prioritize your future over keeping up with others on social media! Take a hard look at your wants vs. needs. We’re here to tell you it isn’t selfish to not want to be in debt anymore! 💃🕺 - Check the story for more info and statistics from relevant articles. Follow us: @the_millennial_millionaires 📖 - #richdadpoordad #millionairemindset #discipline #disciplineequalsfreedom #wantvsneed #growth #finance #smartmoney #debt #emergencyfund #daveramsey #debtfreecommunity #dfc #debtfreejourney
Wellness Wednesday! Financial wellness is a neglected topic. It's a great time to start an emergency fund and make a plan to payoff your debt, especially your mortgage! Call us today! #financialfreedom #financialliteracy #finance #wellness #wellnesswednesday #elpaso #elpasoproud #professional #notarypublic #taxseason #emergencyfund #debtfreecommunity #debtfreejourney
"Dr. Greenberg and Jay Reynolds were so awesome!" Congratulations to both of our caregivers in the Cardiology clinic for being honored by a patient through the Circle of Care program! The donation supports the Friendship Fund which helps employees in times of emergency. . . . . #cardiology #circleofcare #philanthropy #thankful #doctor #nurse #clinic #patient #caring #hospital #healthcare #Astoria #oregon #friendship #employee #emergencyfund
Credit score down a LOT of points due to our emergency spending the last 2 months that we couldn’t pay cash for. What a nightmare. We don’t even have our emergency fund fully funded after dipping into it last month. It’s all really affected our credit score. And I’m MAD and DETERMINED. We’ll get this thing done. 2019 is our year! I just know it. #daveramseybabysteps #daveramsey #daveramseyplan #daveramseycommunity #debtfreecommunity #emergencyfund #creditscore #creditscoredecrease #debtfreejourney #debtsnowball #debtsucks
One of the hardest lessons I learned in 2018. Why? Because I’m a spender. Last year for some reason, a had several car “emergencies” and a hurricane emergency that dwindled down my emergency fund multiple times. Each time though, I built it back up before going back to trying to pay down debt. I realized how important having an emergency fund was. And that was just the $1K @daveramsey recommends. This year, I’m thinking about beefing that up a bit. The #debtfreecommunity has convinced me (as well as that scary noise my car makes randomly). So here’s to #saving . It won’t kill me. It “saves” me. 😂🤦🏽‍♀️☺️ #emergencyfund #savings
Today’s daily gratitude 👍🏻👍🏻👍🏻 Inspired by @mamafurfur here’s my daily gratitude list: ✅ a 12 hour day today as at a Governors meeting tonight & wasn’t shattered. ✅ finally used the Job Spotter app today & submitted 2 jobs ✅ another load of laundry on the airer this morning means I’m keeping on top of it #smallwins . 💷💶💸💵 . . #ukdebtfreecommunity #sidehustle #hustle #debtfreejourney #sideincome #cashisking #debtfreecommunity #emergencyfund #babysteps #babystep1 #daveramsey #savings #moneysaving #frugal #frugalliving #budgeting #zerobasedbudget #sinkingfunds #ebai y#moneymaking #savingmoney #nospendday #mealplanning #grocerybudget #trackingspending #dailygratitude
Ok....do you know the story behind the egg? See below! When I see an egg, I always think of not putting them all in one basket...In investing, it means diversification!!!! What was the first thing that came to mind when you saw this egg?. .................................................. For the entire egg story see @world_record_egg (credit) 💕
Step 1 is ✅ Step 2....bruh.... have you ever written down all your debt , reviewed your income and asked yourself, “How, Sway...How???? But I’m committed to getting my shit together all 2019! I had to find the right Home based opportunity that didn’t charge a big fee to start but also Actually paid for the work i put in. So many people who represent these companies over promise and under deliver. Sometimes it’s due to the lack of activity on behalf of the new partner but many times it’s also due to the lies people tell to get you to join their team. I completely understand why some people are hesitant. Thank goodness a “makes sense opportunity” found me that’s nothing like that and it’s actually working. I’m actually earning meaningful income to get out of debt. . . . . . . . . . . . . . . #daveramseybabysteps #daveramseyplan #daveramseybudget #daveramseycommunity #emergencyfund #getoutofdebt #debtfreeclutterfree #TacomaManifests
I made the switch to @ally for my sinking funds and emergency fund. I had to use one of my sinking f find over the weekend because I'd saved money for a bridesmaids dress and it was such a pain in the butt to wait for the money to transfer. I was watching Aubrie from @thefrugalfreaks and I can't remember if this was stories or her YouTube videos but she mentioned how they had Ally for their emergency fund and they also had an ally checking account so that is they had an emergency and really needed the money right away, they could transfer it immediately to that checking account and use that card, only for emergencies. I thought that was a great idea, so I looked into it and made the switch! I know a lot of people use Ally in the #debtfreecommunity , for those who use it, what do you like about it most?
I just received my #cashapp cashcard in the mail. I’m going to try using this instead of the cash envelope system and see how it works for me :) I’ll let you all know. : : #debtfreejourney #debtfreecommunity #accountability #babystep1 #beweird #debtisdumb #frugalmom #budget #frugalliving #momlife #minimalist #simplelife #simpleliving #momonabudget #momof5 #familyof7 #personalfinance #getoutofdebt #money #emergencyfund
Let’s do this! We’ve got to get out from under our credit card debt and need to start somewhere #debtfreecommunity #babystep1 #emergencyfund #momlife #focused #juststart #wellness #debtfreejourney #debtfreegoals
⛑️Emergency Fund Update⛑️⁣ ⁣ I am increasing my emergency fund by $2,000.00.⁣ ⁣ My emergency fund already covers three months of my full expenses. But, for the next few months, I want to increase this to four months.⁣ ⁣ The important thing about finances is constantly re-evaluating them to match where you are and where you want to be!⁣ ⁣ 👇Do you have an emergency fund? If not, consider starting small! 👇⁣ ⁣ ⁣ ⁣ ⁣ ⁣ #financiallyfreefemale #financialfreedom #emergencyfund #emergency #financialcoach #progress #goals #emergencyfund #money #debtfree #debtfreecommunity #moneytip #moneycoach #financialindependence #spend #save
Here’s a simple way to put money aside. Build your emergency fund this way! Dm me for more ways to put money aside for retirement safely and secured using different tools. 📈📲🎯🏡💯💰🙏💵💳#emergencyfund #getoutofdebt #solutions #problemsolver #savemoney #moneysavingtips #moneymotivated #goals #2019goals #losangeles #sanfernandovalley #moneysavingapps #getoutofdebt #sanfernando #sylmar #pacoima #missionhills #granadahills #porterranch #northridge #canogapark #vannuys #shermanoaks #saveitdontspendit
A few days over a month to get it here. Looking forward to getting this full (£4K in total) so that I can have my 6 month emergency as a sinking fund and begin investing the money I would usually put into this. My pay rise comes not long after I’m estimating we’ll have this chart filled to the top so that’s exciting as well!! Working hard and being patient. I think we could buy our first property this time next year, but that’s to decide closer to the day. #daveramsey #debtfree #babystep3 #emergencyfund #financialfreedome #fire #personalfinance #ukdebtfreecommunity #ukmoneysaver #money #saver #frugal #debtfreecommunity #weeklypay #sinkingfund #holiday #holidayfund #amsterdam #budgeting #budget #cashflow
23 Simple And Essential Hiking Hacks Backpacking will broaden your horizons beyond imagination. These tips will help you to enjoy your journey without any hassle. https://bzfd.it/2RdXREl #survive #survivetravel #emergencyroom #emergencymedicine #emergencyservices #emergencypreparedness #emergencyfund #emergencyresponse #emergencykit #emergencyvehicles #emergencylamp #emergencyexit #emergencynurse #emergencyservice #EmergencyDepartment #emergencymanagement #winter #winteriscoming #medical
Big sigh🙂 . . Sigh of Thanksgiving! 🙌🏼 . . Sunday 01/13, on the way to work my husband was in an accident. Our van was totaled. & in all honesty, I don't care about the car. I'm thankful that my husband & the other man weren't seriously injured that day. My husband did fracture his wrist but he's so positive! He's a rockstar! . . Financially, we have $400 in our EF & had planned to complete the $1,000 by the end of January. 😬 BUT, we're blessed with such a great community that we're being blessed with around $3,000. I know we can find a cash car that'll work for us. . . Now the wait for the right car begins. The EF will be fully funded soon. My emotions were shaken but not this faith!😊🙌🏼 . . #DebtFreeCommunity #Budget #DebtFreeJourney #DebtIsDumb #SavingMoney #DebtFree #DaveRamsey #Minimalism #LiveLikeNooneElse #BabyStep1 #EmergencyFund #EnvelopeSystem #CashEnvelopes #GoalPlanning #BudgetPlanner #SinkingFunds
Anyone else struggle with patience on this #debtfreejourney 😅 the goal is to not lose sight of the big goal, and all of the mini-goals on the way there. 🙌🏼 we had a set-back when I was laid off, right before getting married, moving in together, and going on a mission trip and Christmas. 😓 BUT! God has been faithful to provide in what is necessary and it’s made me appreciate a lot more! . Extra income is just around the corner and I’m so excited that I’m almost impatient 😅😅😅 . #goals #newyear #budgeting #gazelleintensity #debtfreecommunity #debtfreejourney #debtsnowball #debtfreegoals #babystep1 #babystep2 #budgetplanner #budgetbinder #savings #emergencyfund #setback #itsokay #fpu #daveramsey #budget #cashenvelopes #laidoff
🙌🏿 🔸You can start all over. 🔸You can start today. 🔸You can start Now! 🔸You can start... RIGHT NOW! 💁🏾‍♀️ If you were waiting for a sign ...THIS IS IT.
If this is your situation, I would suggest you acknowledge your feelings and dig deeper to understand why you’re feeling that way. Then take ownership for what you did or allow to happen, because we create our reality. ✨ Just yesterday someone I follow on Instagram, purchased her dream car a BMW X6 for $77,000 cash. I was so excited for her because, I know how hard she works, I know how many webinars she does per week, how many emails she sends out I’m on her mailing list, and how many posts she makes per day. Then there’s the behind the scenes that nobody ever sees. I showed my husband and was like that’s going to be me one day hun. I think it would have been ludicrous if I had gotten jealous or start comparing my life to hers. If anything it motivated me to work harder, she been doing this for years I can’t compare my beginning to her middle. So I said all of that to say, check yourself before you wreck yourself.💕💫
So here’s the deal...I think having a plan is excellent...I love planning. J and I agree on lots of money stuff but not everything. •We could be done with BS 3 but he is prioritizing saving for business and I am prioritizing saving for an Emergency fund. It’s slower...it doesn’t feel like we’re making as much progress but here is why it’s working for us: •I feel a huge need now for security because I don’t feel like my job is a sure thing. This is driving me being totally focused on saving every stinking penny. •I was pretty loose and crazy with money in 2018 so see above about the pressure helping me focus. •We both agree if something happens before the EFund is fully funded the business savings would immediately become our emergency fund. •He is most motivated by saving for investments and I’m motivated by following the baby steps. •We are in a little bit of a friendly competition to see who will beat their goal. • • Ultimately we’re hacking each of our motivation and competitiveness to crush goals. As you work through your #debtfreejourney you’ll find what works for you. Don’t be afraid to do what it takes to be successful even if it’s not exactly “the plan”.
One of the major steps we took on this journey to financial freedom was cutting off our credit cards and relying mostly on cash saved and building up our emergency fund. If you want to be financially free , you need to stop creating more debt. Stay away from credit cards, @macys cards @bankofamerica credit cards and spend below your means. #debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtfreegoals #debtfreeliving #emergencyfund #cashisking #couplegoals #financialgoals #budgetdadd
Money is NOT everything. But it does give you options, and options give you freedom. . But money should NEVER be over everything. My priorities, personally, start: 1. God 2. Spouse 3. Family and friends 💗 and so on.. stay focused people, but never lose sight of what really matters.
Let’s talk about an emergency fund. Today is a great example as to why an emergency fund must be in place. With the government shutdown thousands of people have gone without pay. It’s important to ensure that your family has a back up plan. MOST normal knee deep debt families don’t have a savings. Most families can’t even budget for a $200 unexpected event. Could you imagine trying to make it by without any income and no savings? #debtfree #debtfreejourney #debtfreecommunity #debtsnowball #debtfreegoals #debtfreedom #debtfreeliving #debt #debtisdumb #debtfreelife #daveramseybabysteps #familysavings #emergencyfund
@mrs.frugal posted her leftover income and I wanted to find out right away what mine was. This is the amount I have left yearly after all my bills, debts, gas, groceries and small allowances are paid for. I want to see this number hit $30k-$50k in the near future :) : : #debtfreejourney #debtfreecommunity #accountability #babystep1 #beweird #debtisdumb #frugalmom #budget #frugalliving #momlife #minimalist #simplelife #simpleliving #momonabudget #momof5 #familyof7 #personalfinance #getoutofdebt #money #emergencyfund
#payday which means #budget turnup time. I've been wanting to pay this loan since i got it under 2k, but i didnt want to take the hit to my #emergencyfund . Waited a few month and $1400 with more money saved and its a done deal. This payment with be used toward uppinh my mortgage and debt payments. I'll go back to my fixed debt payment of $800 a month after this. #debtfreecommunity #debtfreejourney #livingintentionally #babysteps #debtsnowball #debt
Sometimes you have to dig a problem up by its #roots 😮 What's at the root of your financial concerns? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 👣 #babystep #numberone 💵 Do you have at least $1000 saved in an #emergencyfund 💵 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Change your mind, change your #circumstance ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ___ 🗣Speak & #Believe : #Affirm Your Soul🕯️ #mylifematters #mypeacematters #myjoymatters * * * * * #emergency #protect #peace #life #nature #beautiful #instagood #god #meditation #hope #inspiration #lifestyle #travel #knowledge #motivation #fun #goodvibes #spiritual #family #truth via @hashmeapp
JANUARY GOALS UPDATE WEEK 2 💰 I only managed 1 no spend day last week which I'm not very happy about 😩 so this week I'm trying to focus on that a little bit more, also didn't put anything into my emergency fund. I side hustled an additional £29.00 which I'm happy with, this is money I wouldn't have had and every little helps. Personal goals are a little more on track, I managed to drink water every day, meal planned, did a little fitness and have stared to read a book , still a long way to go but a little progress is better than none. I've started following @thebodycoach leanin15 this week so think that will help as well to keep me focused and motivated. How is everyone else doing with their goals this month?
😬 Eee! I’m almost halfway done, guys. $4,654/$10,000. Have you ever been at that point where you’re addicted to saving and don’t want to see that number drop EVEN if it’s for the goal you saved for? Welp, I’m there. I just want the money to grow and grow. 🌱 ➡️ 🌳 It’s funny because just months ago, I couldn’t wait to start paying off more debt. . A couple bonuses should swing my way in February and April. Over the next 3 months, I want to mostly live off my tutoring income, so I should be able to send more money than usual home from my salary.🤞🏾 . Starting tomorrow, I have a whole month off for Chinese New Year/Spring Festival. 🇨🇳🐉🏮Let’s pray that I don’t go wild when my friend from the States visits China, starting Saturday. We’ll hop over to Hong Kong and Thailand (she paid for my flight) for a few days. . The good thing is: she’s on a strict budget. So we gotta keep each other in check. When she leaves, I’ll have a good 3 weeks of staycation. There’s an opportunity to save. You spend less when you stay home. . Check out “My Big, Fat Savings Goal + How I Plan to Achieve It” on my blog to get more details and download YOUR own goal tracker. #linkinbio ☝🏾@WiseWomanWallet ☝🏾 . . #emergencyfund #sockaway10K #debtfreejourney #debtfreecommunity #foreignteacher
JANUARY GOALS: Here it is, exactly the middle of January and I am finally just now posting my goals. You could say it's been a crazy, busy month. • I am really aiming for a mostly #spendfree month, excluding bills and groceries. I'm pretty proud to say I've only dined out once this month and the rest of my spending has been either gas for my car, groceries, or bills (credit card payment, car payment, & internet, which I got lowered by $30 by calling @xfinity ). I can feel myself going through online shopping withdrawals and last night I dreamed I ate a LOT of chocolate (even though I'm not a big chocolate person), but I'm hanging in there. • #Blog posts. Ugh. I started this IG to promote my blog and yet, I haven't written anything in like a month. I want to get back to following the "Beautiful You" (by @rosiemolinary ) prompts but it hasn't happened yet with everything going on. I also have a post about my two words for 2019 to write. So this goal of 1 post a week starts today since the month is halfway over. • The current minimum payment on my credit card is $209. I paid that with the last of my savings last week. Between my current job & the temp one for the Super Bowl at the end of the month, I am aiming to add at least put another $200 towards my #creditcarddebt by February 1st. • And lastly, my poor, sad emergency fund. The $1000 I accrued by October 2018 served me well as I quit my job to get out of a very toxic environment. It paid 3 months of minimum credit card and car payments. It is currently at $56.25 in my @ally savings account. I am actually hoping I make a lot of money in my temp Super Bowl job - the potential is there - and completely replenish the fund but if not, I am aiming to at least add $100 in by the end of the month. • It has been a whirlwind month and start of a new year but I am excited for everything that lies ahead of me. I plan on being smarter & more intentional with my money (and helping John make our finances more ours instead of mine and his) and being more intentional with my #writing this year. #dobetterbebetter #onedayatatime #debtisdumb #debtfree2019 #emergencyfund #livelikenooneelse #livingonabudget #debtsucks #gazelleintense
It’s happening! First goal of 2019 is started - registered for my #aphr certification exam! Now that I have a date, time to study. Hoping to build my resume and move into a more specialized (and higher paying) position. It would be great to go to grad school, but the finances and schedule just don’t work with my life right now. #financialpeace #financialfreedom #budgetingtips #budget #budgeting #emergencyfund #saving #savingmoney #debtfree #debtfreejourney #cashisking #debtsnowball #minimalism #goals #debtfreecommunity #singleparent #singlemother #paychecktopaycheck #simplified #frugalliving #personalfinance #hustle #sidehustle
It's another Tuesday in January which means I have another guest post up on @themiddleedit. In today's post, I'm breaking down the most common bookkeeping questions I get asked as a financial therapist. . How much money should I be saving? What am I "allowed" to spend each month? . What's an emergency fund? How much should be in that account? . Why is retirement important? How much do I need to put away for it? . Ready for my answers? Hop on over to @themiddleedit where I dish on my #mindmoneybalance financial guidelines . . . . . . . #personalfinance #moneyhacks #moneymoves #financeforwomen #moneytalks #moneygoals #hustleharder #millennialmoney #financialfreedom #financialwellness #moneyblogger #personalfinanceblogger #personalfinancegoals #personalfinanceexpert #moneyexpert #moneycoach #moneyrules #financialinfluencer #talkaboutmoney #financialeducation #thisis30 #thisis30something #emergencyfund #debtfreecommunity #savemore #spendless #saveforretirement #rulesofthumb
. Spending my time on a few goals… . Studying up for a professional credential I'd like to have by mid-March, ongoing until the day of my test. . Adding a reconcile feature to my Tiniio app where you confirm previous transactions, should be ready today. . Keeping an eye on the $19.82 I have left in my budget until Friday. Almost $3k Navient payment coming up in March, definitely a week by week goal. . How are you spending your time? . . . --------------- Track your spending with Tiniio Save, spend, and do. Together. Follow @tiniio_app . Link in bio --------------- . .
Got my EF chart hung up and ready to go! This is my main focus this year. I’m only working around 4-6 days a MONTH due to nursing school so I’m making all minimum payments on my debt. By the end of 2019 I want to have my EF complete. Sounds like a long time just for 1000 dollars but given my situation I want to make a realistic goal so I can start 2020 off strong! HAPPY TUESDAY DEBT FREE FAM 💙💙 #debtfree #daveramsey #debtfreedom #debtfreeliving #debtfreejourney #snowball #debtsnowball #debtfreecommunity #debtfreefam #emergencyfund #debtfreegoals #debtfreedom #debtfreeliving #debt
Alternatives to payday loans Many government workers are now facing the loss of income head on. Some may be considering using payday loans to bridge financial gaps until the shutdown is over. So, I wanted to share a few alternatives to costly payday loans 1. Contact your creditors and see if you can make payment arrangements. Given that the government shutdown is pretty common knowledge some companies are willing to work with their customers to make payment arrangements. They also know that many government employees will get their back pay once the shutdown is over. This fact has a positive impact on the willingness of many companies to help out during the shutdown. 2. Contact your bank or credit union and see if they offer a viable alternative. If you are a member of a credit union or customer at a bank, speak with a representative and see what options they have available. Some institutions offer payday alternative loans and personal loans. You will want to consider fees, interest rates and the repayment obligation. In most cases these alternatives offer much better terms than pay day loans. 3. See if any of your Family and Friends can help. Sometimes it’s cheaper to put our pride to the side. Explore asking friends and family for a loan. I know many of us try hard not to mix business with our family and friends, but some of them may be in a position to help. Once you are through the storm, think about what you can do differently. When the next government shutdown occurs you will be financially prepared. By having emergency savings set aside you will be prepared to handle 6 to 15 months of unexpected income loss. There is nothing like having peace of mind when your income is disrupted. #budgetingisbae #thewealthculture #shewhobudgets #paydayloans #governmentshutdown #blackprofessionals #blackwomanmagic #blackwomenrock #mysisterskeeper #emergencyfund #blackwealth #blackfamilies #blackwomen #womenofcolor #moneytips #moneymatters #moneymotivation #moneymoves #blackempowerment #blackdollar #blackdollarsmatter
Ok IG Friends and Fam here’s what happened...I planned for and am pre-paying in cash for two vacays for 2019 (this is before I joined the debt free journey) to Cuba in April and Martha’s Vineyard in August. . Thennnnnnn my friend sent out a group text, “Who wants to go to Thailand in April? Flights are like $500 round trip!” . Girllllllll (and dudes) I was like...me🙋🏽‍♀️, me 🙋🏽‍♀️, me🙋🏽‍♀️!!! And before I knew it I bought a ticket. (I used Airfordable, but more about that in another post). . Soooooo what I didn’t do was ask more questions or truly count the other costs of the trip. And as the group text got longer the costs began to add up and rise. . With every new text “ping” an added activity, excursion, massage, flight to another city, hotel, etc. and a drop of sweat 😓 and then 💦 turned to 😭! . Now don’t get me wrong, it’s definitely going to be a great trip with really, really great peeps. But I am already committed to two trips and another $1200 or more just seems financially irresponsible (and would stretch the hell out of me😂) if I’m truly trying to get my finances in order and be debt-free. . I struggled with the decision, because I HATE to lose money and miss fun, but I finally decided to tell my friends I can’t go because it’s just too much for me now. Which also means that I may lose a WHOLE $532.38 of my hard earned money😡 Calling the airline later to see. . But that’s what happens when impulsive decisions are made. Lesson learned!!!! . Just curious, if you were me what would you do? . . . . . #buylesslivemore #2019goals #debtfreeliving #2019planner #financialpeace #livelikenooneelse #moneygoals #blackminimalism #debtfreejourney #debtfreecommunity #frugalliving #financialfreedomjourney #budgetvacation #youneedabudget #blackminimalists #studentloans #babystep1 #financialfreedom #bmoreminimalist #debtfree #debtfreegoals #budgetlife #vacationbudget #budgetplanning #frugalliving #emergencyfund #flyageless #debtisdumb #totallifemakeover #totalmoneymakeover
THIS JUST HAPPENED 😱😱😱 Last night we paid off our first credit card (in this journey, we do have another cc already paid off but we always keep that clear). No on to the next! #daveramseybabysteps #budgeting #daveramsey #emergencyfund #babystep1 #debtfreecommunity #debtfreejourney #debtsnowball
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