#mytotalmoneymakeover

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**November Totals** We are only doing minimums so we paid $420. Jeep - $270 ; Medical- $150 Savings we surpassed our goal of $3k & saved $3,600!!!! November was a 3 check month for me so that was a huge help. That brought us to over $9k saved so we're on track. We'll be aiming to save $3k a month through February/ March to ultimately have $15-18k saved by March. We're almost 2 weeks into December & it is not going as planned but that's ok, we'll figure out. I'll try to get a few more updates out this weeks. . . . . #personalfinance #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #mytotalmoneymakeover #fpu #alaska #debtfreeourney #debtfreewannabe #debtsnowball #thetotamoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #debtfreegoals #frugallife #budget #frugal #debtfree #save #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
**October Totals** We paid $420 to debt in October. Monthly minimum payments are $419 - $269 for my jeep & $150 medical. I mentioned in our September totals post that goals have changed. We were so sure we'd be debt free by December but life doesn't care about our plans! We have fully paused our debt snowball to save money. We were hoping to put my 2nd job and/or pay raise to knock out the small medical bills but unfortunately things aren't going well a J's job. He started losing hours & losing them quick. We need to save $3k/mo through February so my extra $ will go towards hitting that goal. Speaking of savings we did save $5,630 in October so that's a big win! $3,200 was from PFDs which was supposed to go to debt but we're going to throw it to savings for the time being. . . . #personalfinance #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #mytotalmoneymakeover #fpu #alaska #debtfreeourney #debtfreewannabe #debtsnowball #thetotamoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #debtfreegoals #frugallife #budget #frugal #debtfree #save #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
3/4 for October goals, not too shabby. 1) We did great for October savings actually. $3,200 from PFD was supposed to go to debt but since life happened we added it to savings which brought us to $5,630 saved for October. 2) J has continued to meal prep so we're both doing well maininting what we've lost recently. 3) Didn't make it to the gym once in October ๐Ÿคท๐Ÿฝโ€โ™€๏ธ 4) Passed my midterm with a B! Our November #s and goals will be posted next๐Ÿ‘ . . . . #personalfinance #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #mytotalmoneymakeover #fpu #alaska #debtfreeourney #debtfreewannabe #debtsnowball #thetotamoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #debtfreegoals #frugallife #budget #frugal #debtfree #save #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
I have great news!! I got a promotion ๐Ÿ˜๐Ÿ˜๐Ÿ˜ I wasn't sure what to expect in terms of pay and to be completely honest I assumed it would be low so I was so stoked to find out it would be 10%! I feel so lucky to work with some great people & have an amazing boss. Our debt snowball is currently paused due to some life events so we're going to hoard my raise money in seperate account & see where we are in a few months & maybe throw it all towards some of J's smaller medical debts. . . P.s. throwback to chilling at the #cliffsofmoher In Ireland๐Ÿ˜. We can't wait to travel whenever we want! . . . . #personalfinance #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #mytotalmoneymakeover #fpu #alaska #debtfreeourney #debtfreewannabe #debtsnowball #thetotamoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #debtfreegoals #frugallife #budget #frugal #debtfree #promotion #raise #save #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
Finally have our October goals posted! โ€ขSave $3k - this seems attainable since Josh has been getting steady hours + my 2nd job. We're actually needing to save a minimum of $3k a month until March. โ€ขContinue meal prep - this one is all J & he's doing an awesome job! He's making me healthy by making me eat vegan like him ๐Ÿ™ƒ โ€ขGym 2x/wk... well if I go today & tomorrow itll be the first week to hit the goal...some how I've actually lost 18lbs since August!! But I've literally just started eating ONLY when hungry & making healthier choices so I cant wait to see how well my body will do when I actually work out consistently. โ€ขPass midterm - I used to be a straight A student but it's been 6 years since I've been in school so I'm really working hard to make sure I do well ๐Ÿ˜ . . . . #personalfinance #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #mytotalmoneymakeover #fpu #alaska #debtfreeourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #debtfreegoals #frugallife #budget #frugal #debtfree #gym #mealprep #save #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
**September Totals** Well I'm super late on these numbers but here they are. We only did minimum payments totaling $419 - $269 for my jeep & $150 for medical. I can't yet say why but we have fully paused #babystep2 until about March. We have to save everything we can so it'll be minimum payments till then. While I'm bummed I'm so happy that we started this journey. We are down to just medical & my jeep!! This journey continues to teach us so much. As of this month we cut our grocery, date & fun budget until probably April then we'll play around with the numbers again. . . . . #personalfinance #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #mytotalmoneymakeover #fpu #alaska #debtfreeourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #debtfreegoals #frugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
Repost @adultlikeagirl (@get_repost ) . Omg I'm dying ๐Ÿ˜‚ I'm currently in my car at my 2nd job waiting for J to come get it (my jeep started the death wobble ๐Ÿ˜ณ). I'm just scrolling through my feed & busted out laughing. @adultlikeagirl thank you, I needed this laugh. Life has been crazy but luckily this weekend I'll have time to update you guys! Anyone else feel this message on a deep level?? Happy Friday! . . . . #personalfinance #houston #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #dbtfreegoalsfrugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
Credit Karma finally updated! It now reflects the 0% credit utilization ๐Ÿ˜๐Ÿ˜ While credit isnt everything J & I do want to work towards good credit scores. For the first 6 months of this journey I couldnt trust myself to use a CC but that has changed & I can now use them responsibly! I use certain reward credit cards ONLY if I have the money in my account & ONLY if it's a need/budgeted for. This score will also drop as I'm closing alot of my CC's. I have 14 open & no one needs that many. Remember people, personal finance is PERSONAL & only you know what works for youโค . . . Now J & I are going to use some our of budgeted 'date' money to get some food & write out some goals! @buffbudgets made an awesome post about short term/ long term goals which is inspiring us to actually write out what we want to accomplish! Hope everyone enjoys their weekend! . . . . #personalfinance #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #debtfreegoals #frygallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
Guess what guys?? I'M A COLLEGE STUDENT AGAIN ๐Ÿ˜ In the beginning of August I found out my employer raised the tuition assistance to $2,500 per calendar year! Something about hearing that lit a fire under me & I enrolled in our local university #UAA ! The money can cover about 9 credits & maybe a book or two. I was eager to use the full $2,500 for 3 classes but I'm still working my 2nd job 2-3 nights a week. This semester I'm in just 1 class but that's 1 more than I thought I would be in! So far I love my professor & am so excited to be in school again. I attended for a bit after high school but 17yr old me had no idea what she wanted to do! . . . J & I are working hard to be #debtfree by the end of December & if we are I will start taking 2-3 classes at a time. We talked about it & will cash flow anything over $2,500 as I plan to continually take classes. I love the position I have now at work but getting this AAS would make me eligible for another position (same dept) which will continue to push me up the ladder at work ๐Ÿ˜ . . . I know there are ALOT of people in the #debtfreecommunity going to school. Any tips you guys have? And if you are going to school what pushed you to go/go back? . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenoonelsesoyoucanlivelikenooneelse #debtfreegoals #frgallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina #collegestudent #goseawolves
Update: 9/13 she got her page back โคโค . . . @instagram @kevin Please REACTIVATE @debtfreeinsunnyca account! Her page inspires thousands of people every day! . . . If you havent heard yet @instagram Deactivated her profile but won't say why & said they wouldn't reactivate it๐Ÿ˜ก๐Ÿ˜ก If you're part of the #debtfreecommunity I urge you to sign the petition & repost so we can get as many signatures as possible! To sign the petition click the link in the bio of @fitandfreeinsunnyca !!! She will be sharing updates on the page as well. . . . #deactivationscandal2018 #reactivatedebtfreeinsunnyca #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenoeelsesoyoucanlivelikenooneelse #debtfreegoals #frugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
**August Totals** $8,401 you guys!!!! $344 were minimum payments ๐Ÿ˜ I never would've thought this was possible! Josh & I dont make lots of money typically. This is his 2nd summer touring & hes done great so he got better tours which mean better tips. Now these numbers will dip starting this month because this is the 3rd school year he'll be driving schools buses but he always gets part time hours. We've fought so much because I've always worked 1 or 2 jobs while he would work maybe 30 hours a week & blow all his money. This year will be different. His schedule is a set 30 hours & he will be getting a 2nd job if he cant get extra hours. We had a goal to be debt free by December and we think we're going to be able to do it! . . August has been so crazy!!! J has had maybe 2 days off but worked on those days at his other job (he has his summer job then his school year driving job). We were so nervous but he did so amazing! I started working 3 days a week at my 2nd job so yes every dollar counts & we did well not going over the budget. We have ALL credit cards paid off!!! All that's left is medical debt we'll try to settle & my jeep!! Bio #s updated!Thanks for all your guys support! Here's to an awesome September for the #debtfreecommunity !!! . . PS Sorry for rambling! I try to get to the point then I trail off into other/personal stuff ๐Ÿคท๐Ÿฝโ€โ™€๏ธ . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #lvelikenoeelsesoyouanlivelikenooneelse #debtfreegoals #frugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #overtime #sidehustle #hustle #debtfreelatina
WE'RE CREDIT CARD DEBT FREE!!!!!!!! We had $26,705 in juuuuust credit card debt! And I accumulated most of it ๐Ÿ˜ž I let life get to me & turned to shopping. Every splurge at REI, every expensive meal paid with credit brought me a moment of happiness then disappeared. I used to tell people to not get credit cards for this reason. I didnt get my first credit card till I was 21. I stopped the madness at 23(just turned 24 btw) .. 2 years and $26k later I will not let this happen again. I hid it from my family & J so well. I had everyone convinced I knew how to handle my finances & completely lied. I'll also mention my credit score was a 720, after I started paying big balances off my score dropped which is fine. I am so happy I started this #debtfreejourney in January because 2 months later J & I got back together(broke up for 5,6 months) because of this. He saw how well I was doing & wanted to get rid of his around $14k debt(yes most the debt is 'mine'). After talking about finances for hours we decided we would get back together & for the first time combine finances(weve been together since 2014). Now look us.The overtime, long days, boring meals, boring weekends are 100% worth it. We will celebrate with Burger Fi next Saturday because J is currently gone for 10 days straight. I dont even want to think about how much interest was paid! Alllll these cards had interests rates 24-26% #neveragain Sorry for the rambling but I'm trying to catch yall up & avoid my homework๐Ÿ˜‰ . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenooeelsesoyoucanlivelikenoneelse #debtfeegoal #debtfrecommunity #frugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #debtfreelatina #feelinmyself #hustle #overtime #sidehustle
OMG I CAN'T BELIEVE THIS GUYS! August was an amazing month for us. We have paid off the last credit card!!!! The Delta AMEX really scared me! The beginning of the month it was over $7k & I knew it would be a stretch but we did it! August is the busiest month for tourists to come so J had extra overtime, great tips, I worked a bit more each week at my 2nd job & we really stuck to the budget! Sorry I've been bad at posting but it's been a very busy month! Thank you all so much for encouraging & inspiring me! I โค #debtfreecommunity I'll post our August #s next! . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenooeelsesoyoucanlivelikenooneelse #debtfreegoals #creditcarddebtfree #frugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #debtfreelatina
Another payment to the AMEX of $3,350! I cant believe we have $1,947.60 left on our LAST credit card! J has 3 checks this month so we know we're going to finish this! I really thought this was going to be a stretch but we've been busting our butts! This past week drained me a bit working so much but its definitely paying off! Btw kudos to all you who post often! I would love to post more but I never take the time to write out captions ๐Ÿ˜’ I also rarely ever most on social media in general but I will try to post more because there's a lot changing here soon! Hows everybody's August going? We have 11 days left to hustle! . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenooeelsesoyoucanlivelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #debtfreelatina
$2,038 to my Delta AMEXโ‡ . We started the snowball at the end of July with one payment & just made the 1st snowball paymemt of August. We're hoping with J have 3 checks this month that we can knock this out ๐Ÿคž . I originally got this card for the miles ๐Ÿ™„ I was already flying with Delta to Europe & convinced myself I need a grown up credit card. Somehow these people gave me a $10k credit limit ๐Ÿคท๐Ÿฝโ€โ™€๏ธ I've never maxed it but have gotten to $8100 as you can see. I did a balance transfer of almost $4k last August & put it on a BOA card(the one I paid off last month). Clearly the transfer didnt help & I racked up another $4k on it ๐Ÿ˜ค . Once this sucker is paid off I DO NOT plan on using it, the benefits dont seem all that great to me... I also wanna play it safe & not use it at all. *I do currently use my fred meyer CC when I put gas/grocery shop there becuase the gas rewards buuut I pay off the transaction immediately* . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #thetotalmoneymakeover #getoutofdebt #livelikenooeelsesoyoucanlivelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #debtfreelatina
** August Goals** 1- Gym 2/wk ; I got roped into a year long contract at $100/mo for my gym. Now it's a wonderful gym & since I'm paying for it until January I really need to take advantage of it. Plus I've gained like 40lbs the last year(omg its terrible) so I really need to get back into shape. 2- We have sooo much gear in the arctic room/garage so we need to clear through it & will probably make some decent money from it. 3- I've not fully attempted these 'No Spend Days' but really need to this month. What apps do you guys use to track them? 4- I need no spend days because we're making it a goal to pay off this last credit card of $7,189๐Ÿ˜ I made the first snowball payment last week! J also gets 3 checks this month so we think this is doable considering this should be his best month money wise for work. If we pay it off we are going to be credit card debt free!!!!! I cant believe just at the beginning of this year I alone had $24k in credit card debt! I'm glad I have you guys to help keep me accountable โค Here's to a great Augustโ‡ . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #tetotalmoneymakeover #getoutofdebt #livelikenooeelsesoyucanlivelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #frugal #debtfree #debtfreemafia #snowball #budget #adulting #debtfreelatina
**July Totals** We're super excited to have put $6,413 to debt! $667 were minimum payments ๐Ÿ˜ This is from J's job which includes tips & a few hundred from my side hustles. He is in tourism which is why he gets tips. Sometimes when I'm depositing his tips the teller may give me a weird look & I assure them I'm not a stripper ๐Ÿ˜‚ June should've looked more like this but it's ok. I also want to mention that the summer is when J makes money. The past 2 years during the school year he drove for the school district & only worked part time... which meant part time $$ more on that at a later date. For August were going to make another stretch of a goal to hit $7k & pay off the Delta AMEX which is currently at $7,189.66. Bio #s are updated now, soooo close to 50% down! . . How did your guys July pan out? . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyoulifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #debtfree #debtfreemafia #snowball #debtfreelatina
Goodbye Bank of America!!! I got this card last August with a $4k limit to do a balance transfer... not a good idea. The 12 mo 0% int runs out this month & we hadn't even started on it yet. After paying off our REI CC July 5th we decided to make a stretch of a goal to pay it off this month & we did it โ‡โ‡ starting balance this month was $3,469.28 & now its paid off!! I'm so thrilled we paid off 2 cards this month. I live on a very strict $25/wk grocery budget for myself, picked up a 2nd job working retail 2-3 nights a week & have sold crap I dont need on LetGo. This didnt happen overnight, this has taken months of breaking bad habits and months of creating new, better habits. I'm also very thankful that my income covers all the bills so J's income can cover debt. . . Next up: Delta AMEX currently at $7,583.11! . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyoulifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #debtfree #debtfreemafia #snowball #debtfreelatina
So excited right now! J is on a tour for the next week which means big tips $$. I just moved some of his check over to make a $1,760 payment! The balance is currently at $2,050 so only $290 to go!!! This card started at $4k, $3,700 was a balance transfer & the rest was probably just food๐Ÿ˜Š after this we'll be tackling my huge Delta Amex that's at about $7,700! . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #debtfree #debtfreemafia #snowball
Next to pay off: BOA CC at $3369.. well after this payment it'll be $2050! I originally got this BOA card with 0% interest for a year to transfer some of the balance off my Delta Amex. The BOA limit was $4000 & it let me transfer like $3700 from Delta... I told myself I wouldn't max out my Delta card again buuuut yall know how that goes. Swipe swipe swipe & I almost maxed that sucker out again. The 0% expires at the end of this month so we're gonna bust our butts to pay this off by the end of the month! How are you guys doing this month? . . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #debtfree #debtfreemafia #snowball
When do you make your snowball payments? . . . Honestly I hoard mine until the end of the month. My reason being something could go wrong & I might need it. I feel like that's made my snowball payments not as fun because it's one payment a month. I'm not really tempted to spend allll the money buuuuuut... I may or may not be guilty of transferring $5 here & there for snacks/coffee ๐Ÿคซ I'm switching things up to make things more exciting & so I stop putting my hand in the cookie jar. Today I disbursed my paycheck into my checking accounts(I have a lot) and I realized that my full $50 for groceries from 2 weeks ago was left! Thank you #pantrychallenge & an extra $50 on my check so I decided to throw $100 at our next card! I think I'll start doing this more, it feels so exciting! BOA after this payment will be at $3300 so we're hoping to pay it off this month! . . . #personalfinance #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #detfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals #debtfreecommunity #frugallife #budget #debtfree #debtfreemafia
Following the @thefiguremaker with this thread. Things I've turned down for debt freedom: โ€ข My little brother went to basic in San Antonio for the Air National Guard. Before I wouldn't of thought twice but now that I'm on this journey @babystepsinak & I realized we just couldnt drop $$ to see him. We did pay for my sister, who lives in Houston, to see him. Somehow a trip for her & her daughter costs me & mom a total of $900ish... I can only imagine how much more it would've costs if we would've gone. Good thing is he'll be back in September. #proudsister โ€ขConcerts - I normally buy tickets to every country concert... on credit of course. Gary Allan is coming up next month & I didnt buy a ticket! I'm committed to saying no until I'm debt free. โ€ขEating out... for every meal - last summer I'm pretty sure I literally ate out every day. I know meal prep all my meals except on Thursdays. Theres awesome food trucks that meet up around lunch on Thursdays so I save my fun money for that๐Ÿ˜‹ โ€ขState Fair- I normally go alot during the two weeks its up here, mostly for concerts. I drop soooo much so this year I have not bought one concert ticket & told my family I will only be going to the fair once. If I tagged you I challenge you to post if you haven't already ๐Ÿ˜Š . . . . What have you said no or turned down for debt freedom? . . . . . #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debtfreejourney #detfreewannabe #debtsnowball #totalmoneymakeover #loeyourlifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals #thingsiveturneddownfordebtfreedom #justsayno #herestodebtfreedom #debtfreecommunity #frugallife
Another one gone!!! Oh it's been fun using this card... when I first applied I was surprised that with only 1 other cred card, low credit & being young that they gave me a $6500 line to use. REI is hands down one of my favorite stores. Before this card I strictly shopped clearance for gear but after I applied... well you can see I got this sucker up to $5,943!! Today we made the last payment of $1,939.98! I tried to get a screenshot but US bank said no ๐Ÿ™„ this now frees up the $131 min payment! Next card up... BOA $3,469 with 0% int til August - we should pay it off this month. Btw I juuuuust realized something.... in January I had ELEVEN (11) credit cards with balances & now I'm down to only TWO (2) OMG IM SO EXCITED. Thanks again to this awesome #debtfreecommunity for all the inspiration & support โคโค . . . . . . #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #mytotalmoneymakeover #fpu #alaska #debfrejourney #detfreewnnabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals #rei #reimember #reidebt #allthegear #byebyecreditcards
***6 Month Update*** Hey! I'm a little behind but here's our 6 month update!!! While we've had to cash flow helping my sister alot I'm so excited that we have paid off 38% of our debt!!!!! Now this journey started with just me for Jan & Feb while J joined in March but I added our joint totals starting in January. Btw the jeep went from 13k to 14k due to refinancing for a way better rate & I got GAP insurance. Minimum pymts have gone down by $409! We've gone from 23 accounts to 9!!! We're hoping we can get this paid off by the end of the year& my 2nd job should help that a bit ๐Ÿ˜Š Its half way through the year, alot of us have come so far, let's keep it up!!! #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals
**June Totals** So I'll be honest... I was really expecting this number to be higher. We got back from vacation May 30th & I immediately went to work the next day but I found out J asked for an extra week off... so that made it 3 weeks without him working & he doesnt have PTO. In that week he lost out on pay & good tips(hes in tourism) I'm trying to not be upset cause theres really nothing I can do about it. Due to J's pay schedule he only got 1 check this month ๐Ÿ˜‘ We also had to cashflow $500+ for my sister on top of helping with her daycare costs so I'm grateful we can help her. I was really expecting like $4k & aimed low for $2500 so I'm happy we at least met that. $667 was minimum payments so I was super excited to submit a payment to my REI CC for $ 2152! I'm ready for July to see what we can throw with J working all month! I'll update my bio #s soon! 7.5- finally updated my bio #s ! #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #livelikenooneelse #debtfreegoals
I got the 2nd job I wanted!!! I actually started this week but forgot to post! I work M-F 8-5 so I did not want to work weekends & only wanted to work 2-3 days in the evening. I applied at a retail store at the mall I really like. I have years of retail experience (actually used to be a manager at the mall) so they liked me ๐Ÿ˜Š If you're looking for a side hustle DONT be afraid to ask for what you want! I made it clear I would not be able to work weekends & wanted $X amount... they said they'd work with my schedule & offered me more than I asked for! I've have enjoyed my first few days of work. I'm so excited to throw this extra $$ at debt! . . . . . #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymaeover #loveyourlifenottheirs #getoutofdebt #mindonmymoney #moneyonmymind #livelikenooneelse #soyoucanlivelikenooneelse #debtfreegoals #sidehustle #2ndjob
Omg ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚ I'm eating lunch in my car, I saw this & just about spit out my food! @honinginonhappiness I had to share! The only time I ever learned about anything close to finances was in middle school for a MESA program & that's because I was the accountant for a mock construction project ๐Ÿ˜
Here's my #visionboard for what we want after we're debt free! Sorry for the #longpost 1. Financial Freedom - I know what it's like growing up in run down trailors, the projects, relying on food banks, etc. I always knew I would do whatever it takes to make sure my future family doesnt have to know the struggle I knew growing up. Becoming a part of this #debtfreecommunity is setting me up to go down the right path to achieve #financialfreedom 2. Volunteering full time - It is my dream to be able to #volunteer as much as I want. I'm thankful now that my job provides me the opportunity to give back weekly in our community but one day I want to give all my time. 3. Adoption - While we currently have no kids we plan to #adopt all of our future kids. It probably wont happen until our 30's. I was adopted as a teenager by my moms new husband & it changed my life. Someone who had no blood connection to me & didnt even know me until I was a preteen decided he would step up & be my dad. We cannot wait to step in for other children. 4. Cabin off grid - We live in Alaska where we have people all around living off grid. We cant wait to have some land with a cabin to retreat to. From time to time we browse online & then J tries to convince me we should buy land now ๐Ÿ˜ 5. Travel - J & I have explored around the lower 48 as well as Iceland, Germany, Italy & Ireland. We love traveling & finding good deals. We're excited to continue to explore the world together. Sorry this sounds so cheesy lol
**June Goals** A little late but here they are! โ€ข$2500 to debt - J started his touring job today & I'm not too sure how much he'll make but I'll aim for at least $2500! โ€ขStart 2nd job - I interviewed for a weeknight job in retail & it went great so hopefully I get the job & start soon! I worked retail for years & actually enjoy it. โ€ขClean out closet & make some $$ - time to part with work clothes I either dont fit in or dont wear. โ€ข 15 No Spend Days - I've never tried the no spend days before, it's not that I spend often but I would prefer to intentionally not spend. Do you guys count groceries/bills when doing no spend days??
**Updating Numbers** Recently J mentioned that the 4 debts in collections he has left are accruing interest... 10.5% to he exact ๐Ÿ˜ he thought he told me but didnt. We also found out some of the balances are higher than he thought & left some little ones out so it looks like I'll be updating our numbers. I've been so busy/exhausted since I got back from vacation last week but I'll update them soon! Couldn't be on this journey without the awesome support from the #debtfreecommunity EDIT: finally updated the #s , I forgot to do it last week ๐Ÿ™„ thankfully the damage wasnt too bad & we're ready to knock everything out!
***May Totals*** I'll start by saying that I am super excited that we paid $1,285 & $850 was a snowball payment!! Here are some reasons why the amount was so low this month (but were still proud): 1) J only worked half the month since we had vacation & he doesn't have PTO so that was 2 weeks of no pay. (His income goes entirely to debt while mine covers all the bills) 2) due to some issues with my sister we paid for 3 weeks of Montessori school for my niece which is not cheap & that took up the extra money saved for vacation. 3) before vacay I went rogue with buying food & unnecessary stuff for my little sister & blew through $357๐Ÿ˜ค I'm upset but you know what, it happens & I'm learning from my mistakes. I was so scared to do the math but I am still blown away that after all that mess we still put this much towards debt! J starts his touring job next week so I'm excited to see us plow through our debt this summer! Btw we flew in last night from Iceland & I was up at 5am, went the gym & felt pretty good at work...until 11am & then I felt like a zombie all day๐Ÿ™ƒ I'm currently forcing myself to stay awake so I can get back to my regular schedule. I'll update my bio #s soon. How did you guys do this month??
Be accountable for what you intend to do. Thereโ€™s no time like now to stick to a prepared plan. Most of us are more then smart enough to do it, but then life happens and we donโ€™t. Create a simple plan but struggle through the not so easy steps and know you are doing the right thing. It will pay off in the long run. #designyourjourney #plan #budget #accountability #daveramsey #babysteps #financialaccountability #financialsuccess #abundance #save #give #challenge #mytotalmoneymakeover #themoreyougivethemoreyoureceive #success #proverbs21 :20 #actyourwage #healthymind #healthymindset #goals #goalsetter
J & I are off to explore Ireland & Iceland for 2 weeks! Now I started my #debtfreejourney in January but we booked our trip in November. We prepaid for everything & saved up spending money around that time as well so we have not had to cash flow anything for this trip. If we didnt already have this booked we wouldn't be going on vacation buuuut it's booked & were going to enjoy ourselves. I know everyone has different opinions on vacations but our journey is only about a year so we would've been ok with no vacation, if our journey was longer we probably would have mini vacations. Lately I've been thinking about how all that money could've gone to debt if we had started sooner but it's too late now. I'm so happy we're knocking out this debt so we can continue to travel ๐Ÿ˜Š last year we explored Germany & Italy, it was so amazing. Sorry if I've rambled a bit but I'm boarding & realized I forgot to let the #debtfreecommunity know what I'm up to!
I was tagged by @babystep2inak to show my debt in pictures so here it is.... here are our terrible, embarrassing pictures ๐Ÿ˜ญ J has a handful of medical debt we will knock out soon. My jeep is surprisingly not the biggest debt. I'm so ashamed I(yes just I, J doesn't have anymore CC debt) racked up sooo much credit card debt!! I was the person who hated credit cards then in a year & a half I racked up almost $25k worth of CC debt. Thankfully J & I found the #debtfreecommunity & are busting our butts to have this all paid off around the end of the year! I tag @paycheck2paycheck_inak to post your debt in pictures!
***April Totals*** $2,773 to debt!!! We were just shy of our goal of $3k buuuut that was kind of my fault. My old phone started to crap out bad. While I could've gotten another old phone I really did not want to, I wanted a good, new phone that would hold up for our upcoming vacay(planned & paid for pre dave). I am excited to share for the first time ever we paid cash up front for a phone!! I had some extra money for our vacation I knew we wouldn't need so I used that. I also got credit for trading in my Samsung Galaxy S6 for the S9+!!After the transaction my old phone wouldn't turn on ๐Ÿ˜‚๐Ÿ˜‚ the guy said 'well we already bought it from you so you're good'. This new phone is amazinggggg! After getting a case, charger, travel charger & phone it came out to $900. Now I know that could've gone towards debt but personally when I'm ready for a new phone I get one. I'm that person that keeps their phone for until it craps out, I upgrade when I actually need to. My bio #s are updated & omg I hate interest ๐Ÿ˜  We paid almost $2800 to debt but only knocked out $2k of debt ๐Ÿ˜ค Also our debt technically went up on my jeep. When I refinanced it went from $13,5ish to $14k so that kinda threw it off a bit too.
***FAIL*** Well mini fail... I normally keep a small buffer in J's acct as he gets direct deposit then I take it out so there's not much activity where as my acct has a $50 buffer. Well I forgot to update hulu to charge my acct not his & he texted me this morning to say it was OD๐Ÿ˜’ my bad! It also reminded me to turn on low balance alerts on to text my phone. Anyone else have little fails that were easily preventable?
Good news! J actually decided to take a full on look at it...which I guess he didn't do before.... turns out it was a brake issue. I also needed work on my steering stabilizer(lift & big tires throw it off) & my back driver door wouldn't open all the way. I was freaking out that we may need to use all of our emergency/back up fund but J did all the work with some assistance from my brother. $200 in parts, $30 in labor to my brother & now shes all fixed up & running real nice again ๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š
Guys... guys.. I'm so freakin excited right now. In a previous post I mentioned that my jeep rate was insane, it was my first car loan & I had no idea what I was doing or to shop for rates. I got the jeep last minute (4dr wrangler for under 20k was a big deal to me), I bank with USAA & just assumed they had the best rate. I ended up with 13.84% on a $15k loan which I didn't know was bad until my brother got his jeep loan $30k for 4% even though we both had hardly any credit history & decent scores. Well I've had it a year & just refinanced with a local credit union. Since I got this jeep, last April, I've accrued allll that CC debt, my score dropped but I still got a 4.79% rate ๐Ÿคฉ my payment also dropped $56 so I'll just throw that to my snowball. So yay! Next I'm going against Dave & applying for some 0% interest CC for balance transfers but its ok we should have all debt paid off around December & I just can't keep paying all this interest.
*Murhpy Time* The last week my wrangler started making some bad noises when I had it in reverse. We're dropping her off tomorrow & I'm happy were at least semi prepared. In the past I would've freaked out but we have an emergency fund & a car maintenance fund(only a few hundred) so that takes a lot of the stress out. Pray for my girl please! I'm hoping they can find what's wrong, fix it & it *not* cost a lot of $$$ . . . *EDIT* J thinks it might not be as a serious problem so him & his friend will look at this weekend & if they can't fix it we'll take it in next week.
It's payday so you know what that means! Do you guys prefer cash envelopes or debit cards? J likes cash so I stuff his envelopes weekly for his gas/food/fun. I like debit so I literally have like 10 checking accounts & several debit cards labeled as gas/food/fun. @paycheck2paycheck_inak is actually the one who showed me how she used multiple accounts/cards & that system just works best for me, I love it so much.
*April Goals* โ€ข J miiiight get to travel for work this month(crossing our fingers) so if he can we can definitely hit this, if not it'll be tight but I think we can get it. โ€ขOur pre Dave trip is in May so I gotta keep up with the gym for sure! โ€ขI had a 2nd job this winter but ended up doing something I hated & the schedule didn't work so this time I'm going to aim for retail. I've almost always had a 2nd job in retail so I should just stick with what I know.
Sorry my work lighting suckssss. I promise these were clean before I wore them lol I would love to say that the universe seems to be helping me out but I know my mom, @slavetothelenderinalaska would smack me & say it's God sooo thank ya sweet baby Jesus for the awesome, free work shoes!! I've been keeping on my budget, selling things & working hard to pay off debt & got blessed with these shoes! There's an older woman who works down the hall from me & wears her Sunday best everyday like she is always on point , she asked what size shoe I was & said she had some shoes for me. I don't know shoes well but these are Paul Green & retail for over $200 at Nordstrom! I told her I could pay her or do something to earn them but she just said "no, no they look wonderful on you so just enjoy them". She must be on baby step 7 cause I asked around & she is known to donate lots of work clothes to programs around town as well as people at work. I can't wait to give more than just 10% & I am so grateful for these beautiful, freeeee shoes! Anyone feel like the universe is rewarding you while on this journey?? #debtfreecommunity #debtfreejourney
When @conrad_inspire makes a post about you ๐Ÿค— I made a post awhile ago mentioning J,my husband, jumped on board, well before this journey things were definitely not going well. I knew he was bad with money so to protect myself I always kept our finances separate(3 yrs) which set us up to fail. Like any marriage there's issues but finances seems to take the cake. We were constantly arguing about how J, the free spirit, blows too much then I turn around & get myself in almost $40k of debt! Like all my debt, none was his. Meanwhile our whole marriage I was mad he had about $16k in collections.. so when he found out I was $40k deep things didn't go well. Conrad was 100% correct when he said "roommates", after our lease was up this summer we were going to spilt up, we had been "broken up" for several months when I got into this journey. I talked to J & said even though we're splitting up I wanted us to help each other get our finances straight. Not too long afterwards everything has seemed to fall into place, like I don't understand how but it just has. We have paid off 29% of our debt since January, we're happier, working on ourselves & I am so ridiculously thankful for the #debtfreecommunity you guys are so amazing & supportive! #beweird
*How My Financial Journey Started* I've seen a few people post these so I figured I'd share mine๐Ÿ˜Š I was so against credit cards but for some reason 1.5 yr ago I decided it would be good if I got one, you know to be a real adult lol. I racked up a lot of debt over last year, got a car loan and I was expecting a nice pay raise to help cover what I racked up.. well what do you know I didn't get it. I transferred depts & got a $0.30 raise ๐Ÿ˜ I had gotten a second job and man I quickly realized if I hadn't gotten that second job I would be really struggled to pay all my bills. When I realized how close I cut it i freaked out. I didn't know what I was gonna do. I was just scrolling through my explore page when I saw a hilarious meme on @conrad_inspire page. Something just clicked in my head while looked at his page then I explored others & I realized what I needed to do. At that point my husband & I didnt like each other too much, finances were a huge issue & we had separate finances. He saw what I was doing in January & February then decided to jump on board. 3 months into the year & we've paid 29% of our debt & have become so much happier. Thank you @daveramsey for making us weird! I tag @thealaskanbudgeter @slavetothelenderinalaska @babystepsinalaska & @amberplans2budget to share their stories if they'd like๐Ÿ˜Š
Formerly mindful_money, I felt @namastay.outtadebt fit me better. ๐Ÿ’๐Ÿปโ€โ™€๏ธ Channeling my dry humor. ๐Ÿ˜‰ Would love to have yโ€™all follow our journey! Weโ€™re just a couple of 30-something, working class, kids at heart who are determined to climb out of this mess. #debtfreecommunity #debtfreejourney #babystep2 #daveramsey #daveramseybabysteps #fpu #mytotalmoneymakeover #livelikenooneelse #determined #beweird #dontbenormal
I need some advice from you awesome people! I need to lower some interest rates asap! Also I'm so grateful to be a part of this community, it's really allowed me to be open, honest & well vulnerable. I don't like to talk to people in real life about my rates or #s so thanks for listening guys๐Ÿ˜Š I have about $13,500 left on my jeep with 13.84% interest ๐Ÿ˜– I also have 3 credit cards equaling $14k with 24-26% interest... I've only had credit/debt for a year & a half which is part of the reason the interest rates are soooo high. *question* Should I refinance my jeep or try to get a(few?) Credit cards with 0% for balance transfers? I'm not sure if I could do both so if you had to do one which would you do?? All our debt should be paid off in about 12-15 months btw.
March totals are in & I'm so excited!!!!! $6,028.85 to debt this month!!!!! Now our debt owed dropped more than that because J(husband) has all his debt in collections so they offered him a deal. With this specific bank he owed $5137 on a car that was repossessed & $1156 on a CC. They offered to take $2715 instead of the total $6293. We had about $3500 in a car fund for J but decided to pull most of this out to pay it. He doesn't neeeeed a car but probably will in the next year as he drives a dinky beater. So to recap we put over $6k to debt in one month but the last 3 years could never save more than $1k in a single month ๐Ÿ™ƒ thank you @daveramsey helping us be weird๐Ÿ˜ *Edit: Bio numbers are updated*
A productive Sunday! Cleaned alot, cut up credit cards & posted clothes for sale on Let go๐Ÿ˜Š I don't have Facebook & don't wanna post on Craigslist so hopefully I'll have some luck on Let go!
Whoooo! Husbands $1400 + $155 extra I put towards debt moves our date from August 2020 to July 2020! Now come summer he makes $$$ so we're estimating our debt free date to be around May 2019. I'll know once those summer checks roll in. Also I list our snowball date as starting in March since he jumped on board & we combined our finances recently vs when I started alone in January. P.s. thanks @easy_budget for making this awesome debt snowball calculator!
Happy Friday!!! Took the husbands big check & paid $633.15 to our fred Meyer CC which pays it off ๐ŸŽ† and an extra $800 to the Capitol 1 CC!
March is off to a great start!!! Husbands check is pending for $1398!! That's just for one week(he gets paid weekly) so we're very excited(our shovels aren't the biggest but we're working on it)! He's in CA right now working overtime like crazy. This puts us on track for maybe... $4k+ to debt this month?! I'm going to aim for that! This check plus our min. pymts put us at $3236 towards debt so far this month. I also had money left over in some budgeted categories(thank you #pantrychallenge ) & am also throwing at least an extra $250 towards debt. I can't wait to see our totals for March! #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #mindonmymoney #moneyonmymind #livelikenooneelse #soyoucanlivelikenooneelse #debtfreegoals
March Goals: โ€ข$3,000 to debt - husband is out of state for work for 3 weeks so we should definitely hit this is not more. โ€ข Workout 3x/wk - last month is did really good half the month.. so this month I'll aim for this & see if it workouts better. โ€ขStick with Meal prep- normally I'm superrrrr good at this but again... half of February sucked so this is to get myself back on track. โ€ขRead 2 books - last month I read 2 in the first 2 weeks... then forgot about reading a 3rd I guess, so I'll stick with at least 2/mo. This Sunday is off to a good start. I met a friend for breakfast at 10, have done some laundry, cleaning & will meal prep later ๐Ÿ˜Š Enjoy your Sunday everyone! EDIT: forgot to put I want to sell $100 worth of stuff this month ๐Ÿ˜ #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #mindonmymoney #moneyonmymind #livelikenooneelse #soyoucanlivelikenooneelse #debtfreegoals
Well.. February didn't go quite as planned but March will be better. I'll post my goals soon! โ€ขI killed my debt goal by almost double putting $2380 towards debt ๐Ÿ‘Œand we put $3k to the husbands sinking fund for a car โ€ข2/4 weeks I worked out 4x/wk. The 3rd week my husband was back in town for a bit so working out didnt happen & the past week has just been one of those weeks where I'm proud I even came into work so I definitely had no motivation to work out. I think I'll aim for 2x/wk in March. โ€ข2/3 books. Idk what happened. I read the 2 books in the first 2 weeks & I honestly just forgot about the 3rd ๐Ÿ˜‚ #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs #getoutofdebt #mindonmymoney #moneyonmymind #livelikenooneelse #soyoucanlivelikenooneelse #debtfreegoals
February totals are in! $2,380!! I'm pretty happy about this amount. I had some extra travel money saved for small trips then realized i didnt need to make those weekend trips to the lower 48 & tossed a good chunk at this. The min payments are $1,038 so $1,342 snowballed! I know our total paid is $7,291 , somehow my husband paid $2,053 over the past few months but I had no clue! That's also why my start date says 1.1.18ish, that's the rough starting date for us.
*Update in Progress* For most of our relationship we've had separate finances. At times I would handle all the money but we still kept everything separate i.e. his money, my money. I just always felt comfortable handling things that way. He's been out of state working for a month & when he got back he could see how serious I had gotten about this & said he's on board too. We took a big jump & put everything together. My income covers all of our bills & his income will go entirely to debt. For the first time in over 3 years it's "our" money. I'm so excited/scared! He just left out of state for another month & makes good $$ when traveling for work so March is going to be a really good month for debt payments! Edit: My starting, current & paid debt are updated now to reflect our total damage & how much has been paid. #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs
Excuse me while I toot my own horn for a minute. 1 week into February & it's already off to a great start! โœ”I've already put $1200 to debt โœ”been to the gym 2x with a goal of 4x/wk โœ”1/3 books read. Currently reading "Love your life not theirs" by Rachel Cruze & it's a great read! Also in the background you'll see my adorable dog, Remy. She loves long walks on Alaskan beaches & running around on mountains๐Ÿ˜Š #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs
February Goals: $1200 to debt - my minimum payments are about $900. Gym 4x/wk - I do have a gym membership but lately have only been going 2/3 times a week so I'm aiming for 4 times each week. I have a trip(already paid for) to Iceland/Ireland in May & need to drop like 20lbs ๐Ÿ™ƒ Read 3 books - I've gotten really bad about watching hulu/Netflix on my lunches. I plan to get back into reading. I'm also almost done with The Total Money Makeover & it's amazing ๐Ÿ˜ #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball
Forgot to post my January totals. It's my first month officially using the #debtsnowball method & I'm pretty happy to see that number! My shovel isn't very big but I'll make it work! I was able to pay off 5 credits cards. They were all store cards the Ulta, Banana Republic etc. I used some funds from savings. I like that Dave recommends $1k in savings but I live in Alaska, things are more expensive so I have $2k in savings. Example, $1000/mo got me a 2 bdrm, small apt in a bad part of town where prostitutes hang out in my carport & things get stolen from our truck ๐Ÿ™ƒ luckily my parents are amazing & let us move in with them for $800/mo. 30 min commute now but at least I feel safe and of course have moms cooking again! #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe
A bit STUNNED to say the least after I entered in all the EOY balances!!!!! The market did well this year, but getting DEBT FREE had more of an impact!! _________________________________________________ 2018 Goals: Improved liquidity including a 1-year Emergency Fund for both home and business expenses... _________________________________________________ Stretch Goals: A trip across the pond (Sweden maybe?) and a 4WD car (only if we can pay ๐Ÿ’ตcash๐Ÿ’ต!) . . . #networth #budget #mytmmo #daveramsey #mytotalmoneymakeover #weredebtfree #debtfree #finances #finance #smartmoney #mutualfunds #babysteps #savings #cashisking
This is what living beyond your means looks like. Itโ€™s what credit card debt looks like. Itโ€™s what โ€œI need that right nowโ€ looks like, when you donโ€™t need it, you want it. I have been thinking I need to have things to feel better about myself, to feel successful, and to feel like I am something because of all the crap I have in my closet thatโ€™s just sitting there. I donโ€™t need any of this stuff that I bought. I need a future where I donโ€™t have to work hard forever, and I can create and enjoy new memories with peace of mind. I live with someone who has an incredibly healthy relationship with money and is a great saver. We are planning our future together and the older we get the more I am realizing my relationship with money is extremely unhealthy and downright childish. I am going to step way out of my comfort zone and get rid of things I donโ€™t need and donโ€™t better me as a person. I recently had to give up my membership to CrossFit (and tons of other monthly expenses) and it is KILLING me because I have worked so hard to build my body up, but temporary sacrifices WILL yield permanent results for my future. I am not only going to work hard to pay off my credit cards but I am going to work hard to get my savings built up and get my membership to Crossfit restarted because it is a huge part of my life and a positive force for me which will only help me state focused. I think being a member of a CrossFit gym is what actually helped to push me to confront one of my biggest โ€œsecretsโ€ and take control. Its time and Iโ€™m ready to work and thanks to @daveramsey and his tools, I plan to do just that. #mytotalmoneymakeover #daveramseybabysteps #juststarting #plasicsurgery #crossfitforthemind
More bragging after I logged into my account today! It's been a LONG decade of hammering ๐Ÿ”จon this money pit ๐Ÿ’ธ, and I keep having to pinch myself! . (*Technically we've had a mortgage on this house since 2007... So 10 years, 7 mos, but we did a huge remodel with a construction loan and just kept increasing the mortgage until 2009 when we began the "My Total Money Makeover" Plan. Over the past 8 years, we refinanced a few times to get better rates and switch from a 30-yr to a 15-yr to finally a 10-yr mortgage last February... So 8 years, 10 mos is from our Serious Dave Ramsey plan start date.) ๐ŸŽ‰๐ŸŽ‰๐ŸŽ‰๐ŸŽ‰๐ŸŽ‰๐ŸŽ‰ . . . #mytotalmoneymakeover #financialpeace #livelikenooneelse #soyoucangivelikenooneelse #debtfree #homeowners #4realz #fpu #budget #nomortgage #finance #nocreditscorenomore
Yassssss!!!!ยก We're completely DEBT FREE!!!!!!!!!!!!!! ๐Ÿก๐Ÿ’ฐ Baby Step 6 is COMPLETE! Thanks to @DaveRamsey 's #mytotalmoneymakeover #financialpeace . . . #livelikenooneelse #soyoucangivelikenooneelse #debtfree #homeowners #4realz #fpu #budget #bungalowlife #finance #nocreditscorenomore
How I spent the day... Net Worth calculations 2005 to 2016. Dave Ramsey's #Babysteps work wonders since we started in 2009!!! #personalfinance #savings #DaveRamsey #networth #livelikenooneelse #givelikenooneelse #mytotalmoneymakeover #debtfree #debtfreeisthenewsexy
I never got to see our jeep cross the bridge. Now that #mytotalmoneymakeover is going offline for good, tracking our #debtpayoff won't be quite as fun. #itwasfunwhileitlasted
I am #thankful for having a working car. I drove a 1990 Oldsmobile. Yes, my car is 26 years old and still has not broke 100,000 miles on the odometer. Pretty impressive. I bought it with cash for less than $1,000 a few years ago. It's truly a #davecar . In Los Angeles, 'everyone' finances fancy, luxury brand cars. But I love my car and I own it outright which most cannot say. #nospendnovember #daveramsey #thankful2016 #debtfreeforty #mytotalmoneymakeover #totalmoneymakeover #daveramsey #frugal #studentloans
Dinner is grilled chicken from the freezer smothered in honey Hayward, leftover garlic bread from out to dinner last Sunday, and market pantry steamers veggies from the freezer. Not too shabby. #refridgerator #groceries #frugal #tmmo #daveramsey #mytotalmoneymakeover #debtfreejourney #pantrychallenge #fridgechallenge #useitup #nospend #studentloans #leftovers #financialpeace
Ugh why is my bank advertising a Vacation Loan? I can see Dave shaking his head over this. The sad thing is that people will take the loans. #daveramsey #mytotalmoneymakeover #debtsnowball #debtfreejourney #debtisdumb #totalmoneymakeover #tmmo #debtfreefanatics #gazelle #badidea
Printed out and laminated a free meal planning sheet I found online. This coupled with the pantry challenge I'm doing should help me eat down the food in the house!! #daveramsey #debtfreejourney #studentloans #mytotalmoneymakeover #debtisdumb #cashisking #financialpeace #gazelle #gazelles #livelikenooneelse #pantrychallenge #mealplan
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