#emergencyfund

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So this is the schedule of payments for my eldest’s school trips 🙈 . . I don’t want to deny him going as it’s really important for his GCSEs but it’s also tough when you’re saving for EF and paying down debt. . . Just paid £100 deposit which would have gone in my EF but I’m planning on putting all my Sewing money in there. . . It’s true it gets more expensive as they get older!! . . #schooltripexpense #bankofmumanddad #ukdebtfreecommunity #freedom #debtfreecommunity #goals #debtfreejourney #debtfreedom #financialfreedom #frugalliving #frugal #contentment #happiness #cashisking #budget #sidehustle #sewingbusiness #emergencyfund #babysteps #daveramsey #livelikenooneelse
A suuuuuuper cute dress that's just a bit too short for me now 😭 #minsgame 18/100 for June . . . #debtfreecommunity #debtfreefamily #debtfree #budgeting #emergencyfund #money #savings #debt #goals #frugal #savingmoney #declutter #decluttering
Raise your hands if you pretend that you’re living check to check even while having your Emergency Fund or working on it and sinking funds etc... 🙋‍♀️ I do. I still talk to my friends and family as if I have no savings because I really don’t want to have to say no. Some of them have been in some very tough positions lately and I sent them $$$ within my boundaries without them asking but I almost felt guilty for not sending more since my emergency fund is in tact... but I realized that then I’d be putting my little family unit at risk and so I just sent a small amount. Navigating the emotions of it all is weird because I’ve lived check to check so long that I’ve never really been in the position where I’ve had to say no to someone when I actually had it. 🤷‍♀️ This post is more like talk therapy than anything because I don’t have the right answer and I don’t believe misleading people is technically right or wrong because money is kinda private?! But again, it’s just a lot to think about the more money I start to see building in my accounts.
Don't fall for these. Signing up for all these tricksy enrollment pay plans will have your #cashflow overloaded. Gonna #nope myself outta that one. Build a #real #emergencyfund to handle #life and #pay yourself.
New blog post up about our weekend surprise! Don’t forget to subscribe to stay in the loop! ❤️
#MoneyMonday 💲Baby Step Series • Baby Step #1 in Uncle Dave's plan is all about building your "starter" emergency fund 💰! It's gathering $1,000 quickly and once it's piled, it isn't touched except for absolute emergencies. It's a starter #emergencyfund because you finish it in a later Baby Step. • Early in our marriage and #debtfree journey, a really unexpected thing happened with our 2014 stick-shift vehicle 🚗 (the one we eventually sold). The clutch went out!! What?!?! We didn't see that one coming. The repairs were $600. It felt so FREEING to be able to run to the bank and pull out $600 cash 💸 to hand over to the mechanic - with no financial strain in any other area. God is good! • Baby Step #1 is unique, in that, if you are on Baby Step #2 , for example, and must use some of your emergency fund, Uncle Dave recommends stopping extra money on debts to focus on rebuilding your $1,000 and recompleting Baby Step #1 . That's exactly what we did and have done for other smaller emergencies since then!!
Can you get access to $1000 CASH in the next 30 minutes... in case of emergency? I know I can’t, but I’m changing that! . . Self Challenge: Make an extra $1000 in 21 days or less from my side hustles. Help keep me accountable and on track!! Thanks. 😊 . . Read more: https://broke.icu/1000dollars . . . #broke #money #schmoney #hustle #blackwealth #blackmoney #changeyourlife #brokeaf #444 #personalfinance #debtfreejourney #debtfree #savingmoney #savingschallenge #emergencyfund #babystep1 #daveramsey
I have been think about this @bossbabe.inc post all day! This is so true!!!!! Have ever seen stagnant water? Usually it turns colors and starts to smell!!!!! Well, that stagnant water can be our lives if we don’t make changes, work hard at goals, TRY SOMETHING NEW!!!! Now, you don’t have to go all @destinationdebtfreedom style and start jumping out of airplanes 😂, but you do need to get out of the daily rut! . This is where being debt free is helpful....this is when you can cash flow vacations, take music lessons, try Yoga, play golf.....You name it!!!! . YOU CAN DO IT!!!!!!!!!!
When you’ve got friends who let you shop from their donation pile 😍🙌🏻 Do y’all know how hard it is to find pants that fit well?! Too hard 😂😭
THINGS NO ONE TOLD ME WOULD BE HARD ABOUT TEACHING JETT ABOUT MONEY: • It requires a HECK of a lot of discipline on OUR part as parents. It is so exhausting to remind Jett (over and over again) to do his chores and stand there over him while he does them, help him with them... It is a lot of work and requires a lot of discipline to stick with it! • Then there is the part when you have to say no. There have definitely been times where Jett did not do his chores and so he did not get paid, but that is how it works in real life - no work = no 💵. We are pretty strict about it too, but it has helped him learn that he has responsibilities and there are some consequences if he doesn't do them. • Finally, there is the part where it all comes together for that one shining moment and you see them understand that they get to buy this thing with their own money because they worked hard that week to make it. Or you get to watch them decide between two things, and they choose the less expensive one so they can save their money. It is hard and exhausting but the benefits outweigh the hard work! • #debtfree #financialpeaceuniversity #debtfreejourney #budgeting #budget #emergencyfund #everydollar #daveramsey #debtfreecommunity #debtfreeaf #financialfreedom #bossladymindset #bossladylife #entrepreneurslife #pursuehappy #acolorstory #texasblogger #skyemclaindotcom #prettysquares #bloglife #instablogger #thatsdarling #theneativecreative #pursuewhatislovely #mycreativebiz #womeninbiz #lovelysquares #womenwhohustle
Ya I’d love Italian gelato too but I have a JOB 🤨
Do you have an emergency fund? Today I took my car for an oil change and had to get some unexpected work done as well. The ‘unexpected’ amount was $241.18. Luckily with an emergency fund, I didn’t even think twice about the extra amount. During my journey to pay off debt, I keep $2500 in an emergency fund because as a single parent that’s the amount I’m comfortable with. Having a minimum of $1000 for emergencies is extremely important! - - - #daveramsey #emergencyfund #emergency #budget #budgeting #debtfreejourney #debtfreecommunity #moneysavingtips #momonabudget #momonabudget
So, it was payday last week for my little side gig, and I can’t help but be filled with gratitude!! Just think what an extra $50, $500, or even $5,000 a month could do for you?!?! #payday #girlboss #emergencyfund AnneSFirestone.myrandf.com
170$ in #loosechange to take to the #bank to add to the #emergencyfund ! Making #progress daily and keeping that forward momentum to become #debtfree #debtfreejourney #freedom
A home is not a blessing when you’re struggling to make the Fire insurance payment monthly. One of the sweetest clients, just called in, apologetic that he couldn’t afford the $98 he owes to keep his home insurance active. If he can’t afford that, what’s the chance he’s got $4,000 of the $8,000 it’s going to cost to reroof the house in 6 years? What’s the odds he’s had the pest control company by to check the termite issue that’s starting? What’s the odds that he’s got a few thousand put away for the AC unit that’s going to blow up Saturday when it’s 105 degrees out and his AC hasn’t been serviced this year because the $240 he was quoted was unreasonable for him? This just saddens me listening to the fear in his voice as he can’t pay. I’d love to help him make a budget or sell a few items I’m sure he has laying around the garage to sell but I can’t realistically do this for all the customers I witness in this type of situation. It’s just sad. Long story short, buy a house if you want but be prepared for an Emergency. Have a bit of a back up plan. Bring in a roommate if you have to when your finances get difficult. Sell some stuff around the house if life gets tough. I don’t want to scare you from ever buying a home if it’s what you want, but I do want to inform you of what can happen. #LifeofanInsuranceagent #debtfreecommunity #becareful #Emergencyfund #passionate
Happy Monday! Welp... Thread Up is giving me a whole $11.50. I was hoping for at least $20. The bag was FULL. 🤷🏽‍♀️ at least it’s out of my closet! . . . . #emergencyfund #cashenvelope #debtfreecommunity #debtfree #debtfreejourney #debtisdumb #debtfreeisthenewsexy #daveramsey #minimalism #frugalliving #financialfreedom #personalfinance #daveramseybabysteps #zerobasedbudget #budget #budgeting #debtfreedom #pennyinthered
I am so over the moon that I have been able to put this together, on top of my regular savings goals. I'm starting to think I should keep going and have a fully funded 6 month emergency fund, just in case. But for now, this will save our backs if the owners decide to sell the house and we have to move at short notice. #emergencyfund #savingsgoals #budgeting
Have you ever had anyone tell you that it's impossible to live without debt? or who say that getting out of debt is impossible? or even try to discourage you from doing what you are doing because it's impossible?⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ #chineseproverb #debtfreecommunity #debtfreecharts #studentloans #debtfree #debt #daveramsey #totalmoneymakeover #debtfreedom #money #personalfinance #financialfreedom #barefootinvestor #babysteps #emergencyfund #creditcards #budget #budgeting #savingmoney #babystep2 #studentloans #frugalliving #cashisking #studentloan #debtfreejourney #debtfreeliving #debtsnowball #firecommunity
Do you ever just wanna punch #Murphy in the face? I certainly do. Murphy tried to get us with AC repairs and replacing a brand new tire but to no avail. We cash flowed those bad boys and kept it pushing! Take that Murphy! 🙌🏽💪🏽✌🏽 #goals  #debtfree #debtfreecommunity   #reclaimingmypaycheck #debtfreejourney  #babystep2   #babysteps #emergencyfund #gazelleintensity  #gazelleintense  #debtisdumb #cashisking   #debtfreefamily  #debtsnowball #cashflow  #livelikenooneelse
I'm still here! Medical bullshit (aka complications from my last surgery) put me back in the hospital. I got out last week and I've been recovering since then. I still have a lot of tests (like this one is pre-CT scan from earlier today) but I hope to be in the clear by July. As far as my #debtfreejourney , I drained up my #daveramsey #emergencyfund for trips to the ER. Thank God I had it. I am fortunate to have pretty good insurance and a gracious job that is giving me time to recover. I know this isn't the case for everyone so I'm feeling blessed. (What a fucked up country we live in that this could bankrupt a lot of us. Call me a socialist but we need universal #healthcare here in the USA. No other country puts you in the poorhouse for falling sick.) As far as becoming #debtfree , my #medicalbills should just put me back a month. So next month, I'm planning to tackle them and my final #creditcard payment. #studentloans will have to wait. #snowballmethod I missed you #debtfreecommunity ! I hope your loan payments are decreasing and decreasing! 🐇 🐇 🐇❤❤❤
New on the #MoneyBlog : Top 9 Financial Mistakes Consumers Make AND How to Avoid Them. 💰 Everyone makes mistakes with their #money . One thing all #FinancialMistakes have in common is they are oftentimes avoidable with a little #Financialliteracy education. 💰 Check out our latest #blog (link in bio) for the top #financial mistakes. . . . #timeshare #401k #retirement #CarLease #PaydayLoan #loans #taxes #FIRE #DebtFreeCommunity #CreditCards #Debt #Poor #StudentLoans #StudentDebt #Debt #savings #EmergencyFund
Since stating I wasn't going to spend anymore on high dollar coffees, I have had 2 offers to receive a gift card for Starbucks #irony so I will take these gift cards and plunk that $10 in savings as a gift to myself and I will enjoy those coffees, guilt free #fastcash #emergencyfund #day18 #arewethereyet #financialfreedom
M car wouldn’t start this weekend and we were pretty sure it was the battery. We were correct! Ugh! It sucks to have to dip into the little savings we have, but also thankful we have it for when things happen like this. Otherwise we would be freaking out on how we were going to afford a new one. I also learn to shop around. We found the most reliable and affordable battery at Sam club! #debtfreecommunity #debtfreejourney #murphycametovisit #newbattery #samclub #emergencyfund #savingagain
THE BAD NEWS: There is very real chatter at work right now about a ‘reorganization’ thru the elimination of programs and people. Yikes. I’m fully preparing myself for the news of being laid off at some point over the next year. It may not happen as I have a decent amount of seniority and currently I officially hold 2 jobs within my company – my home position, and a position I am acting in, so if one job is eliminated I can either go back or stay at the other. If both positions are eliminated then, shit – I’ll be out of a job. I have never been happier about starting our debt free journey as I am right now. We got serious in January of this year and in that time we have paid back over $30,000 in consumer debt and paid off my car ($12,000 – we paid off my car when we sold our house so it didn’t come out of our monthly cash flow). We have just over $6,500 to go until we are debt free and with some extra shifts and side jobs we are on track to have this paid off by the end of July. THE GOOD NEWS: #1 . Having our debt paid off means that we can survive on my husband’s income alone (MY MAIN GOAL) #2 . If I’m laid off my y seniority and union protection means that I will have 6 – 12 months before my last day of work to build up as much money in my emergency fund as possible #3 . I will get a severance to top off the #emergencyfund There are so many others at work, for whom this will be a very real crisis but I can sleep at night knowing that if we need to, we will be ready to handle this speed bump without it affecting our kids/family quality of life. Which is ultimately the reason for embarking on this journey in the first place.
One of the best things to do to jumpstart your #debtfreejourney or #savings #emergencyfund is to look around your house. If you haven't worn it in 90 days it's safe to say you don't use it and van sell it for extra funds toward financial goals, We me preparing for a big #move next year. I have already began to minimize my #THINGS and began to #sell items that I realize I don't really need. After #traveling and staying in other parts of the #world for two weeks at a time. I have come to realize I don't need all these things. This has worked well to build extra funds for my #debt #goals . #blogger #blackgirlblogger #financial #finances #financialfreedom #studenloans #autoloan #loan #paidinfull #daveramsey #6steps #thecoinscache #pennypinching
‘Budget’ is treated like a dirty word, and ‘emergency fund’ like a foreign language in the mind of most. The same way you would learn to speak Portuguese if you were relocating to Brazil 🇧🇷, you have to learn to speak Money if you’re going to move from broke. Today’s lesson: ‘Emergency Fund’ - Contact me for a free 30 minute consultation on making more money, saving more money, and getting out of debt. #health #wealth #success #failure #rich #poor #emergencyfund #savings #moneytalk #financialfreedom #financialliteracy #financialeducation #financialindependence #peopledontneedproductstheyneedastrategy
Efek mudik lebaran liat sepupu yang sukses manaj keuangan keluarganya tetiba keingetan materi cash buffer & emergency fund waktu ikut Mata Kuliah Manajemen Keuangan di semester III S1 tahun 2007 dan semester II S2 tahun 2012 :D intinya si financial safety diantaranya terdiri dari cash buffer dan emergency fund ato bisa dibilang juga cash buffer instead of emergency fund. Financial safety ini penting banget buat survive at least memposisikan kurva pada titik bliss. *** Financial safety baru sebatas cash buffer pada investasi jangka panjang melalui investasi saham dan jangka pendek melalui deposito serta tabungan berjangka. Sedangkan emergency fund masih pake metode klasik dengan perhitungan 3 x pendapatan bruto melalui diversifikasi pada beberapa rekening. Masih harus banyak belajar :D #finance #financialplanning #financialsafety #cashbuffer #emergencyfund
Have you ever heard of a Tiny Home? Have you ever considered living in a Tiny Home as a way to reach financial independence? Alan from @dreambiglivetiny joins me to discuss the financial benefits of Tiny Home living. . . . Link in bio @popcornfinancepodcast . . . #tinyhome #tinyhouse #tinyliving #dreambiglivetiny #popcornfinance
My anxiety has been at an all time high the last few days (weeks) and I saw this. If you’re feeling doubtful and running scenario after scenario in your head, read Daniel ch 3 and listen to “even if” by @themercyme. This is my new lock screen on my phone. I can’t control everything but I can control my reaction and choose confidence over fear. Fear and doubt have no place in Gods plan for me and you.
Yassssss. I’m not going to lie guys. Having to push back our consumer debt free date by 1 year due to our personal loans we took out for the IRS hit me hard. It got me discouraged and frustrated. Going on my personal insta got me feeling some type of way with everyone on vacay with cute outfits and just out and about everywhere. But imma stay focused. My faith in God is bigger than my faith in myself and I’m putting my trust in Him that He will see me through this. Jesus take the wheel... . . . #debtfree #debtfreecommunity #debtfreejourney #financialfreedom #fico #creditscore #emergencyfund #daveramsey #babystep2 #cashenvelopes #cashmoney #cashclips #budget #babysteps #takingcontrolofmyfinances #zerodollarbudget #sinkingfunds #breakingthebudget #weonabudget #zerobasedbudget #balleronabudget #debtisdumb #cashisking #minimalist #minimalism #intentionalism #intentionalliving #livingintentionally #livewithless #livingwithless
June in review: 💰Paid $3654 in debt bringing us to $9588 since starting our journey in May! 🚗 Took $1800 and put it towards a car josh can flip 💯 Range Rover blew a tire! It’s SO nice having an emergency fund and just be able to call and order a new tire without having to worry if we needed to put it on a credit card or pull a random couple hundred out of the bank account! 💳💉 Credit card and medical debt free Thank you Dave Ramsey for changing our lives! #debtfreejounrney Sign me up for the debt free scream please 🗣 cause we’re coming for ya! #livelikenooneelse #debtfreeisweird #dontbenormal
This weekend's spending... . £31.40 A slightly delayed Father's Day gift . £29.30 Money back from being hideously delayed on my train journey a couple of weeks back . £51.05 Money on train tickets for this weekend . £67.80 eBay fees for May . £60.00 Money to James for clearing out his garage so that my old car can camp there until I find an alternative place for her to go . . . . #debtfreecommunity #ukdebtfreecommunity #debtfreefamily #debtfree #budgeting #emergencyfund #money #savings #debt #goals #frugal #savingmoney
Here’s some Monday morning mom guilt for ya: My daughter is 1 year old and had $300 in her little savings account we set up for her. Through some bad planning on our part, I had to “borrow” HER money 🤦🏼‍♀️ now we are fixing our mistake + paying her back with a little extra. My ultimate goal is to put $1000 away for her by each birthday (so by the time she’s 18 she’ll have at least 18k to use for a car, college, or traveling the world) thanks @debtfreecharts for this handy little chart so I can track the first $500 we put away for her 😊💰 #debtfreecommunity #emergencyfund #kidssavings #debtfree #savingmoney #savingmoneyisfun
I call this masterpiece: why I have an emergency fund. Thankful I wasn’t in the car when it happened! #deductible
I keep finding new debt 😩!! Honestly it’s disheartening when you’re really trying to stay intense about paying it off.
Try something new today, y’all! It may just be the breakthrough you were needing! 🤗 • For my non-rowing peeps, that’s me, 3rd from the right, rowing as a starboard for the first time frankly... ever! 😳 • I’ve rowed on port side for 8+ years and yesterday instead of chickening out like I usually do when someone asked me to switch sides with them, I took the opportunity to try something new! I figured if I suck too much I’ll just switch right back 🤪 • It was challenging but I honestly had a lot of fun with it and best of all—my back wasn’t hurting afterwards!! My coach even said that it fixed some of my issues with my head bobbing around or my hands dropping at the catch, so it was a great experiment for me and I’m going to ask to sit in starboard for the rest of this year because it may help me avoid back pain! 🤓 • I gotta keep doing stuff like this; it falls right in line with some of the other things I’ve done this year that have scared the 💩 out of me for far too long!
Why let taxes be your achilles heel in every financial need? Speak to a VRise team member and assistance on taxes management on-the-go. . . For more details call on: 022 4212 1111 . . #HouseOfFinance #VRise #VRiseSecurities #FinancialAdvisors #EquityExperts #EmergencyFund #Funds #Experts #Clients #Customers #PersonalisedServices
So they say to become a millionaire you need multiple streams of income 🙌 . . So as I want to be a millionaire 😊 I thought I’d give eBay a go again... . . This is mostly books which have been hanging around, will have to see how it goes... . . #millionaireintraining #ukdebtfreecommunity #freedom #debtfreecommunity #goals #debtfreejourney #debtfreedom #financialfreedom #frugalliving #frugal #contentment #happiness #cashisking #budget #sidehustle #sewingbusiness #emergencyfund #babysteps #daveramsey #livelikenooneelse #foodbudget #mealplansrock #zerobasedbudget
Sometimes I’m a minimalist purging the crap out of my closet (and life...), but other times, the old Lauren resurfaces with a vengeance and drops $200 in one weekend at the thrift store and @walmart 😂🤷🏻‍♀️ • To be fair, I spent that much on 9 tops, 5 pairs of underwear, 4 dresses, 2 pairs of pants, 2 pairs of shorts, & 1 pair of flats so that’s a lot of stuff imo 😳 • Shopping is definitely something I have to be in the mood for so it may seem a little impulsive but I am very picky about what I buy (machine washable fabrics, neutral colors, no whites, etc) and I purged even more from my closet that I’ve outgrown so it’ll all go to great use 🙌🏻 • Side note—Walmart didn’t pay me to talk up the #timeandtru brand in my stories but I’d totally be down if they wanted to 🤪
My first frugal FathersDay ❤️! Dinner at Chills with a couple of drinks 🍸 came out to $49.26! A little on the expensive side 😅 jk but cheaper than what I’d normally spend. Now we’re heading to a movie 🎥 using one of my Christmas gift cards! #HappyFathersDay Everyone ✨
Exactly 7 days from now we’ll be sitting in the airport waiting to board our flight😬😎. This trip is cashflowed. We’ve been saving for months. I have to go for school anyway so for me it’s a sunk cost. BUT even though I’ve been to Europe numerous times before, I’m nervous and I don’t feel ready to go yet. Just over here being a ball of nerves but I know it’s gonna be amazing 🙃😅🍕🧀🍦🥂🍷
Please share what you think in the comments below. . . . . . . . . . #debtfreecommunity #debtfree #debtfreejourney #emergencyfund #emergencyfunds #savings #babysteps
I saw this quote from @theminimalists a few weeks ago and it really got me thinking. - I don’t think all collections are because of insecurities. Many of us collect things that we genuinely love, use and appreciate. But I can certainly see the truth in this. - I remember back to my organised hoarding days and how I would hold on to everything. I was living at home, dealing with a difficult father and when I think back on it the reason for holding onto things was clear. I craved control. I was so insecure in what was supposed to be my own comfortable environment. - These days I collect a lot less but I think the same applies. We hold onto things (that have no use and we don’t love) perhaps because we feel insecure or unsettled about something. - @daveramsey says the issue (debt, weight, addiction) is often the symptom and not the cause. I think this may be the same.
You are doing the hard work, but it can be hard to celebrate what you've accomplished when you still have so far to go.⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ If you are having a hard time staying motivated to pay off your debts or are getting overwhelmed at the whole thing, try making a chart for your current debt. Just filling in a chart as you pay off a debt could be the simplest yet most effective motivator out there.⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ You can make your own chart with a simple piece of lined or graph paper, or you can download one of these FREE charts (link in bio) https://debtfreecharts.com/collections/free-charts⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ #debtfreecommunity #debtfreecharts #studentloans #debtfree #debt #daveramsey #totalmoneymakeover #debtfreedom #money #personalfinance #financialfreedom #barefootinvestor #babysteps #emergencyfund #creditcards #budget #budgeting #savingmoney #babystep2 #studentloans #frugalliving #cashisking #studentloan #debtfreejourney #debtfreeliving #debtsnowball #carloan #ynab #stupidtax
Nate and Bree were our Financial Peace Leaders in the Spring of 2017. Little did we know the inspiration they would fill our lives with. Nate and Bree, your example of healthy money habits, your sense of humor, your lighthearted marriage, your entertaining parenting and your relentless faith has moved us. What friends say “Farewell!” with an Emergency fund? Faithful ones. That’s who! @nate.max @_kingwillis_ #blessed #texasbound #ETA742018 #god #family #finances #emergencyfund #daveramsey #financialpeace #TEXAS
Been with Verizon for about 18 years now and as I try to find any and all ways to save money I can't help but address the elephant in the room, our $185 a month phone bill for 3 lines. Stopped by AT&T yesterday to start my info gathering. Trying to figure out if it'll be worth the switch but I fear losing service quality doing so. Any one have any insight or stories changing providers? #Verizon #ATT #TMOBILE #Sprint . . . . #DebtFreeMafia #FinancialFreedom #SideHustle #Frugal 🚫#Credit #Debt 🚫 #7BabySteps #PersonalFinance #EmergencyFund #StudentLoans #DebtFree #DebtIsWack #CreditSucks #DaveRamsey #FinancialPeace #WallStreet #IRA #RothIRA #401k #BlackMoneyMatters #FinancialLiteracy #DebtSnowball #DebtTrippin #CashIsKing #DebtFreeJourney #DebtFreeCommunity
Just a reminder that staying in to watch Netflix and cuddle your pets is free 📺😻✨
A little #selfcaresunday dusted off my running shoes and ran 5k... . . I used to run regularly but I’ve had a few injuries and it put me off... . . Now I’ve reached my mid 40s 🙈 I don’t want to give up on it, I know my body is changing but it’s so good for my mindset. . . #runningmum #5k #goodforthesoul #exercise #running #ukdebtfreecommunity #freedom #debtfreecommunity #goals #debtfreejourney #debtfreedom #financialfreedom #frugalliving #frugal #contentment #happiness #cashisking #budget #emergencyfund #babysteps #daveramsey #livelikenooneelse
Thanks to @daveramsey , I was prepared for a car emergency that cost me $1045 during bs2! Anyone else had Murphy visit when starting your debt free journey? #emergencyfund #bs2 #debtfreecommunity #daveramseybabysteps #totalmoneymakeover
I'm back to the usual chaos after a week of sun, sea and chilledness... We did try joining their entertainment team so we could stay there, but our "dancing" just didn't cut the mustard 🤷 . And now for the part I've been dreading! . £618 Cost of the holiday (hotel, flights and all inclusive food/drink) . £19.85 Cost of getting to and from the airport . £120.29 Spending money spent (€ and £) =============================== Total holiday cost (7 days) = £758.14 . . . . #debtfreecommunity #ukdebtfreecommunity #debtfreefamily #debtfree #budgeting #emergencyfund #money #savings #debt #goals #frugal #savingmoney
Starting Baby Step 3 / Fully Funded Mojo. Thank you @debtfreecharts for visual motivation! Any tips baby step 3ers?? #babystep3 #barefootinvestor 👣 #debtfreecharts #debtfreecommunity #emergencyfund #savings #budget #financialfreedom #generationalwealth
Personal finance is personal....blah, blah, blah! Can't say inside your head you're not judgmental af about other peoples financial decisions! Lol. It's ok to confess that and be honest. We're only human!!! 😊 . . . . #DebtFreeMafia #FinancialFreedom #SideHustle #Frugal 🚫#Credit #Debt 🚫 #7BabySteps #PersonalFinance #EmergencyFund #StudentLoans #DebtFree #DebtIsWack #CreditSucks #DaveRamsey #FinancialPeace #WallStreet #IRA #RothIRA #401k #BlackMoneyMatters #FinancialLiteracy #DebtSnowball #DebtTrippin #CashIsKing #DebtFreeJourney #DebtFreeCommunity
Why you may ask?? 😬 We’ll FINALLY be in debt payoff mode!! As excited as I am to be going to Italy for 3 weeks...I’m more excited to be done paying for school (and saving for this trip). We’ll be able to go from making my $260 minimum payment to being able to throw $2500 to debt!! And I’m. So. Excited.
I LOVE Trader Joe’s!! I definitely get more for my money! Love it especially on my new budget with the Dave Ramsey baby steps! #traderjoes #eatclean #inexpensive #daveramsey #babystep1 #emergencyfund
• • Saving money may be challenging for some however there are tools that you can begin to implement to jump start the process. • • —— A for sure way to save money is to sign up for direct deposit. I would suggest a checking and or savings account that you DO NOT have a debit card to, so, the urge to spend won’t be so easy! —— There are percentage(s) that should be deducted from any and every form of income you receive; 1/3 of your paycheck should be for your savings, 1/4 emergency fund, 1/4 for your 6 months of bill payments and other recommendations we have created to PUSH OUR CLIENTS FORWARD! —— The TIME IS NOW to be strategic and deliberate about your future. The question should ALWAYS arise before purchasing anything “Is this is a need or a want?” exercise EXCELLENT JUDGMENT the focal point is longevity for you and your family! —— Make your money stretch and make your spending make sense! —— We are here to make sure there are NO MORE EMERGENCIES that you are not prepared for! —— The Ward Group can HELP! —— THANK YOU for reading!
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