#thetotalmoneymakeover

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Can't wait to try jackfruit! Saw it online a long time ago. Supposedly has the consistency of pulled pork so it's a favorite with former meat eaters. We bought two cans -- one to try "chicken" tacos and the other to try "pulled pork" on bakery rolls ๐Ÿ˜‹ Will definitely post how it works out! ๐Ÿคฉ
This is a #debtfree #clutterfree #plasticfree win for us! I used to buy books, LOADS of books. Most of them would sit on a shelf and not be read for a very long time after purchase, if at all. Now, I buy cookbooks, fiction, nonfiction, all on my phone's Kindle app. This is in no way endorsed by the app, and I'm sure there are loads of other versions and apps to download books, but this is the one my phone has! It's cheaper to download it electronically than to purchase a hard copy or paperback ... It doesn't take up any more space than my phone does ... And it doesn't waste precious resources! I always try to search my local library before buying books, and if it's a cookbook I'll scan recipes at home that I would like to try and save it on my computer. I still LOVE the smell of books, it brings back so many great memories of my childhood, but now I go sit in a library or bookstore and read books or borrow them instead of purchasing them. Helps the planet & my wallet ๐Ÿ™Œ๐Ÿป๐Ÿ’š
This was one of my favorite breakfasts when I was #vegan ; the gut-cleaner! Chia seeds, oats, bran flakes, and grape nuts ๐Ÿ™Œ๐Ÿป Keeps me full for hours! I enjoy it with a little almond milk. . . A couple years back I was vegan for a couple of weeks and then 'had to' go back to me regular diet because of health concerns. Essentially, I went about it in all the wrong ways, because I was eating Oreos and fake meats and cheeses which were freaking havoc on my body. I wasn't getting any nutrients from my 'vegan' diet. This time around, I'm looking to make a permanent change; I'm doing my research! ๐Ÿ’š๐Ÿ™Œ๐Ÿป๐Ÿฎ๐Ÿ”๐Ÿท
Do you schedule self care days? What do they look like for you? Heading into November goals, Iโ€™m scheduling two self care days for the month. I do not schedule self care days. Iโ€™m currently scheduling 11hr work days. Tomorrow is a 13hr day. My ideal & realistic self care day in November would include amazing food, exercise with my dog & and a bath with some red wine. I have a lot of gift cards in random places I need to pull them together and maybe make time for some shopping.
Almost $30k to paid to debt in less than a year! We started getting #gazelleintense in April after my husband read #thetotalmoneymakeover ... but of course with a few trips to Disneyland that we cash flowed ๐Ÿคฃ #debtfreecommunity #debtfreejourney #frugal #peaceoutdebt
Reading is fundamental Aristotle once said, โ€ to avoid criticism say nothing, do nothing, and be nothing.โ€ I love criticism its encouragement. #read #daveramsey #thetotalmoneymakeover #goodread #spamusic #copasetic #therapeutic #knowledge #educate
After buying a restaurant last February we went from a 2 income family to 1, we also added a 3rd child this summer while still having the same bill's to pay! I picked up this book and we are starting our debt free journey. I am working to be a better mom both mentally and physically. Getting out of debt, losing weight and decluttering my house are my goals for the next year! I need all the help I can get. #debtfreecommunity #debtfreejourney #daveramsey #thetotalmoneymakeover #weightloss #minimalism #momof3boys ๐Ÿ’™
A long weekend of bluffing.... Had to take a break from the Gucci Mane book and get my mind back to the money with this Dave Ramsey Total Money Makeover Book for ๐Ÿ’ช๐Ÿ‘Œ #uglybookclub #daveramsey #thetotalmoneymakeover #bookstagram #bookreader #backtothemoney #moneyonmymind #allthetime
LONG POSTโš ๏ธ: The last five days have been the roughest I've had in a long, long time. . Work was horrendous last week, resulting in me crying, for the first time ever, in front of a boss; there was a terrible car accident this morning with my sister in law who is due to give birth in 10 days and my brother. . Thankfully they will be ok but there was a long period of time this morning where we had no idea if the baby was going to make it or if anyone was ok. . I'm 2,500 miles from where they live. I felt so helpless and frantic. I just wanted to be there for them and support my family. But there was literally nothing I could do. . To top it off, on Wednesday night I came down with a terrible cold. I've been beside myself and just completely lost the past few days. . I'm super behind at work so this morning, before everything happened, I decided to bike to a coffee shop and work for a bit and try to catch up. I made a small dent but still feel overwhelmed. . Anyway, my boyfriend met me at the coffee shop, we biked home, and stopped for a beer, just sitting in the sun for a bit to catch our breath after such a crazy day. . Thankfully everyone will be ok from the accident but my family is still really shaken up in general. Just reminds me how fragile life is and what's truly important. . Hug your loved ones a little closer and take a moment to feel the sun on your skin this week. Jobs will come and go, bosses will be shitty, but your family should always be your first priority. ๐Ÿ’•๐Ÿ’•๐Ÿ’•
๐Ÿ’œ a p p r e c i a t i o n ๐Ÿ’œ . . Where to begin!? We've paid off $21,749 of debt together, we've gotten me sober together, we've decluttered together, gotten healthier together, so much GOOD has happened. This super special post is a shout-out to my partner who has not only stood by my side, but actively cheered me on to be my best me. I can't believe I've got a guy like him on our team. We both agree, however, that we would be remiss not to thank all of you wonderful people who've followed along on our journey; giving me tough love, overwhelming support, and a sounding board to bounce ideas off of! Nobody from our real life families has done half of what this virtual community has done to push us forward on our journey. So THANK you, lovely people. Its not entirely off base to say that we couldn't have done it without you. We will succeed together! ๐Ÿ’œ
This book is hugeee in America!! Time to get a grip of my finances now I donโ€™t have the luxury of the army to fall back on!! ๐Ÿ’ช โ€œif you will live like no one else, later you can live like no one elseโ€ @daveramsey #thetotalmoneymakeover
Kurtiss helped me hang up my corkboard I got yesterday (on sale and with my spending money! #winning ) and I took a few minutes to get us organized. This hangs in our room in a spot we can see easily, but that isn't obtrusive. Talking about our finances is hard for us, both finding the time to chat and having the discussions, but we are 100% on the same page. Our budget doesn't change month-to-month and our payoff plan is the #daveramsey plan. So, this allows for communication to happen whether we talk or not. When bills are paid, its marked off here. Every month our debt tracker is updated and we know what debts are paid off and which one is next! This works well for us, so I wanted to share it with you! Cheers to finding a way to get it done! #DebtFreedom #TheEldersDebtFreeJourney #debtfreecommunity #debtfreejourney #debtisdumb #DebtFreeKimme #daveramsey #daveramseybabysteps #thetotalmoneymakeover #babysteps #financialpeaceuniversity #debtsnowball #DebtFreeKimme
So hubbyโ€™s going to be paid extra for meals allowance when he is out of flying. Whatever he does not spend he gets to keep. He is saying he does not want to throw it all at debt, but he wants to save and put some money in the home reno.(much needed) At first I was super shocked. He is not into Dave Ramseyโ€™s principles as much as I am. I know that one hand he is right and if we can do everything at the same time, it will be good. But on the other hand, I just wish he would get more gazelle intense. I guess I just need him to let him save a bit and have a discussion again later in a few months. If the money is in the bank, it is never too late to eventually throw it at debt! Have you had some issues with your significant others on the gazelle intensity of this journey?
SKOL VIKINGS! Didn't have a lick of alcohol, looking forward to enjoying my first sporting event where I didn't get hammered and black out! ๐Ÿ™Œ๐Ÿป #progressnotperfection #69dayssober #aa
This is probably the face of pure happiness feeling the sun on your skin.
The apartment is finally 'prepped' for visitors! Tomorrow we'll be going to the Jets-Vikings game at the MetLife Stadium and everyone is coming to our apartment because we're the closest ๐Ÿ™Œ๐Ÿป So after the game we just have a 20 minute drive home (not counting for traffic though lol) We'll be coming home to a clean apartment and just have to go food shopping for a few items and that's the end of our day! ๐Ÿ˜ƒ Goodnight, yall!
I am team sinking fund and have already cash flowed my parentsโ€™ presents. We bought them some tickets to see a play. They are also the kind of people who prefer experiences over material things. I had to tell them we were giving this to them as they had to book the date. They were very happy! How about you? Have you started with your Xmas Shopping yet? Are you team Cash Flow or Sinking fund?
๐Ÿa p p l e p i c k i n g๐Ÿ . . Went to a local farm today, they provided reusable bags for picking apples and we brought our own cloth bags to keep the different kinds of apples separate ๐ŸŽ Sun crisps, braeburns, cameos, granny smiths, and pink ladies ๐Ÿ Grabbed an apple cider donut each from the farm store, as well as an apple spice cake mix, a jar of sweet relish, and a jar of sweet and spicy mustard! All in paper bags or glass jars. ๐Ÿ˜ Can't wait to can some applesauce this year! ๐ŸŽƒ Happy fall, y'all! . . Edit: organic cotton bags are from @organiccottonmart ๐Ÿ™Œ๐Ÿป
It'll only be for a couple paychecks since he's going back down to one class next semester, but that's $300 a month that can go to our last personal loan. Then all that's left is our cars (2) and his student loans ๐ŸŽ‰
After the kids are asleep, and the house is quiet, I pull out my computer and get to work for a few hours. Gotta fill up that Emergency Fund! Cause the next step is Baby Step 2, and funding that snowball! #DebtFreedom #TheEldersDebtFreeJourney #debtfreecommunity #debtisdumb #DebtFreeKimme #daveramsey #daveramseybabysteps #thetotalmoneymakeover #babysteps #financialpeaceuniversity #emergencyfund #debtsnowball #workhard
Baby steps. I haven't been gazelle intense, I've been swipe-happy. I haven't been exercising or tracking my food, I've been buying snacks at work. These, in turn have slowed down our debt payoff, plateaued my weight loss, caused me to buy plastic wrapped snacks, and these snacks have definitely had dairy & meat! I can do better, I will do better. Time to stop waiting for Monday, stop waiting for next month, stop waiting for January 1st. The time to change is now, the time to change is right after you slip up. Get right back up and keep fighting the habits that have kept me down. Let's go!
Next level of frugal.... ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ ๐Ÿ“ท from @thefemalewarhol
This one deserved it's own post! A bit of a cheat since I rearranged the living room, but I love this new set up! Also removed the outer rim of foam mats from the workout area, we've got some free space now ๐Ÿ™Œ๐Ÿป Hung up some more Halloween decorations, too! ๐ŸŽƒ Those were all the big areas & cleanups. Now to sort our breakfast nook & dining area.. will save those for tomorrow morning, feeling hugely accomplished and ready to get set for work ๐Ÿ‘Š๐Ÿป๐Ÿ‘ฉ๐Ÿผโ€โš•๏ธ
Another closing day = another cleaning day! Closets sorted. The 1st pic doesn't look like much, but I put all the summer outdoors equipment in the bottom where there was a bunch of crap ๐Ÿ™Œ๐Ÿป I can walk into our front closet now! (2nd pic) Aaaaand when I was cleaning I broke a teapot lid (3rd pic) ๐Ÿ˜ฌ Luckily this was not a family heirloom and the main lid came together again nicely. The knob is toast though, looking forward to fastening a ceramic knob from a craft store to remake it my own style โ˜• Have a productive, frugal day fam!
Dreaming of this #airbnb that we stayed in this past summer. Close to my ideal home. Itching to have a mini get away, or a vacation. Want to go shopping. Want to splurge on a meal. I want to just once feel like Iโ€™m not on a budget. Is it possible that Iโ€™m having debt paying burnout. Is that even a thing ๐Ÿคท๐Ÿปโ€โ™€๏ธ?! But instead, I had #nospendday so YAY FOR US. #daveramsey #babystep2 #debtfreejourney #debtfreecommunity #debtsucks #livelikenooneelse #zerobasedbudget #budget #debtsnowball #thetotalmoneymakeover #debtfreelife #cashisking #studentloandebt #creditcardsucks #schoolloansucks #freedom
Have you read this yet? If you are on your financial freedom journey, I suggest you pick up a copy of @daveramsey The Total Money Makeover! โ€œIf you will live like no one else, later you can live like no one else.โ€ #debtfreejourney #debtfree #debtfreecommunity #debtfreegoals #daveramsey #daveramseybabysteps #daveramseytotalmoneymakeover #thetotalmoneymakeover #totalmoneymakeover #debtfreelife #debtfreeliving #alojadope #myjourney
Let me tell you a story about this LOC from my credit union. I opened it in 2010 in order to pay the remaining balance of a car that I had fincanced through there because I was so upside down in the loan that they wouldnโ€™t finance the whole amount (should have been a dang sign, but it wasnโ€™t). Iโ€™ve paid minimums on this thing for 10 YEARS and it never had a zero balance - UNTIL today! That 12% interest can suck it! I made a lump sum payment of $685.31 thanks to my debt snowball and Iโ€™m never looking back! . . #DebtFreeCommunity #DebtFreeJourney #FPU #FinancialPeace #FinancialPeaceUniversity #BabySteps #BabyStepTwo #DebtSucks #LiveLikeNoOther #Debt #DaveRamsey #DebtSnowball #TheTotalMoneyMakeover #FinancialFreedom #Budget #ZeroBasedBudget #TheDebtFreeCommunity #PayingOffDebt #DebtIsDumbAF #DebtIsDumb #CashIsKing #BetterThanIDeserve #RachelCruze #OnABudget #NoSpend #Frugal #Planner #GazelleIntensity #GazelleIntense
Looking for your opinions here, I've seen ads for this and was wondering what its all about? Could be a good way to reduce food waste considering these boxes ship you the "ugly" fruits and vegetables that don't pass the supermarket inspections. Jon and I have been trying to eat more fruits and vegetables, maybe this could strongly encourage us to find more veggie recipes and eat healthier! The box pictured is $19 each and you can get it weekly or bi-weekly. Since we're considering transitioning to a vegetarian and then vegan diet, this could be the boost we need! What do y'all think?
First couple wins of the day! ๐Ÿ˜ˆ Keeping it rolling and working on the closets next! I have two other closing days this week, so I'm very confident I can get the whole place cleaned spotless before 4 people come over on Sunday! ๐Ÿ˜…
Just going to put on some Disney music & handle it. To me, there's nothing quite like a clean home and that sense of accomplishment! ๐Ÿ‘Š๐Ÿป
Our families scoffed at us when we explained that we were selling/donating/trashing most of our belongings before we moved from NH to NJ. Even now, I find myself parting with more items that have weaseled their way into our apartment (how? ๐Ÿค”) ... โˆ† This past weekend we went to Jon's parents' house and there was a rent-a-dumpster in their driveway! ๐Ÿ˜ฏ There are quite a few dump areas in their house and they don't use 99% of the items in those 5-6 large areas so this is a great step, and I think they'll feel great if they can let go! Jon did say he asked if they were going to get rid of the sawhorses on the bottom porch and his dad said "no" even though he hasn't used them in years so they've got some stuff to work out ๐Ÿคท๐Ÿผโ€โ™€๏ธ โˆ† My mom has been decluttering and turning my old room into a fancy guest room, so I've been gladly taking loads of my old items .. I will most likely donate or sell most of it, but if any of my family offers me items and says "do you want it? Do whatever you want with it, no worries!" then I take it and take caaaare of it ๐Ÿ˜‰ โˆ† Glad to see our transparency with our families is starting to inspire some positive change! Hopefully being #debtfree and #plasticfree will elicit similar results ๐Ÿ˜‚๐Ÿคž๐Ÿป
Threw some cut up bananas into the freezer to be used in smoothies! When using frozen bananas, I find that I get smooth, thick smoothies that are nice and cold without using ice! Plus, it won't melt and make your smoothie watery ๐Ÿ˜ Reduces food waste since I'm very picky and bananas are usually in their Allyx-ready-to-eat state for one day ๐Ÿ˜‚ Would love a good homemade recipe for banana bread if anyone knows of one! Trying to find more ways to use food/fruits ๐Ÿ’• Normally I'd have put these in a plastic gallon sized bag, but now I use my @stasherbag ๐Ÿ˜
Whenever Iโ€™m feeling a bit down about myself I try to write a list of accomplishments Iโ€™ve made throughout the year. Iโ€™m hoping to have a set budget once I start my new job and now that Iโ€™m moved into my first apartment. My biggest struggle during my journey has been keeping a set budget because expenses have constantly been changing. Some extra info before staring this journey I would have put 95% of those expenses on a credit card. This year I have Finally disciplined myself to save first and spend whatโ€™s left. Iโ€™m so grateful I found and read #thetotalmoneymakeover ๐Ÿ™โ€ข โ€ข โ€ข โ€ข #debtfreebirdy #debtfreejourney #debtfreecommunity #daveramsey #accomplishment #blessed ๐Ÿ™
One thing I'd love to do when we're #debtfree is purchase passes at all the amusement parks we go to that will let us skip the lines on all the rides! Our time is valuable, and once we're debt free I'd rather pay for those passes and skip lines than wait for hours (3+ sometimes on Disney's avatar ride, for instance)! This way we could hit up every ride at each park in a single day and feel like we fully experienced the park! Can't wait to be #debtfree ! What are some little, one time things you would do when you're debt free?
Im ready for 2019! Started reading #daveramsey books. I pulled out all my organizers and journals. I actually have way more but the ones in this photo are now set up to get me through 2019. The #fitness #happyplanner was purchased today as I was looking for the fitness pack and this was all I found. November will be a #nospendmonth and I already purchased the kids #christmas gifts. I really only need a few stocking stuffers (yes I still do stockings for my adult kids). #imready #financialfreedom #thetotalmoneymakeover #getorganized #icolleceteverything
Our six month anniversary of being on this #debtfree journey is just 2 days away! We are SO psyched to announce that we have officially paid off 30% OF OUR DEBT! I know it just wouldn't be possible without the support of the #debtfreecommunity so THANK YOU ALL!
Aloha yโ€™all ๐Ÿ‘‹๐Ÿพ since I am fairly new to the #debtfreecommunity I was just wondering where everyone lives? Iโ€™m originally from the Northeast but for the past year my husband and I have lived in the great, beautiful, expensive state of Hawaii. With my husband being in the military there are definitely worse places we could have been stationed, but did I mention how expensive it is? Our mortgage alone is $3600 a month. #debtsnowball #moneymanagement #debtfreejourney #totalmoneymakeover #thetotalmoneymakeover #debtfree #debtfreeliving
A week ago, I wrote a post about how Jon & I agreed to spend $100 a month towards creating a #plasticfreehome by the end of 2019 -- here's our October 2018 installment of that series ๐ŸŽ‰ Shown above is a $100 and change purchase of: stasher bags (2 L & 2 M), mesh cotton produce bags (2 L, 2 M, & 2 S), and solid cotton bulk food bags (2 L, 2 M, & 2 S). These will replace plastic baggies and grocery store produce bags, be used for purchasing bulk foods like grains and nuts, and be used for non-food items as well! So excited to take this first step ... Next up is revamping the cleaning supplies ๐Ÿ˜ƒ Products featured: @stasherbag purchased through @packagefreeshop and @organiccottonmart bags which I luckily found googling cotton produce bags! They're so sturdy.
we really need to make this thing work ๐Ÿ’ช #thetotalmoneymakeover #debtfreecommunity #debtfree #sidehustle #minimalism
I'm taking a gamble. Straying away from my own game plan. I'm cashing out some of my Safety Net to pay off the last $5k of this small NYU loan. I'm super antsy about it and just want it gone. I'll manage this similar to the way I did with the roof. Just borrowing from myself and then quickly filling the safety net back up as if I'm still paying off a loan. It's kind of robbing Peter to pay Paul, but at least I'm taking a "loan" out from myself. I just want to simplify my budgets for the next few checks and this will help. It makes no difference in terms of saving money on interest, etc in the long run - it's just a concession I'm making for my mental health. ๐Ÿ˜•All this to say, do what works for you. As long as you're moving in the right direction, progress is progress. I guess ๐Ÿคท๐Ÿปโ€โ™€๏ธ
What an awesome feeling to get this in the mail yesterday! I paid off another debt yesterday and expect the letter on that soon! The #snowball is rolling!!!! Whoo hoo! #DebtFreedom #TheEldersDebtFreeJourney #debtfreecommunity #debtisdumb #daveramsey #daveramseybabysteps #thetotalmoneymakeover #babysteps #financialpeaceuniversity #debtsnowball #DebtFreeKimme
Accurate situation! I have 0 money left in my fun envelope until the 20th. After he paid for a date night yesterday AND the movie tickets , he still has 50โ‚ฌ left in his eating out/fun envelope. Assigning a function to your money through budgeting gives you the liberty to spend responsibly! But sometimes we get so trapped into not spending that the mere idea of pulling out the cash makes us feel akward ๐Ÿคท๐Ÿผโ€โ™€๏ธ Will you go out or stay home this week end? What is your eating out/fun money budget? #memes #financialmemes
My whole life I've never followed through on anything that really means something to me. In the last 6-8 years I've half assed so many things. I said I was tired or didn't have time. This debt payoff is by far the biggest move I've made (working with my hubby) in terms of doing something to benefit our future. I'm sick of making plans with myself and then effing them up with some lame excuse. Part of it is, I'll put a plan out on social media and then I feel like a failure for not following through. I would have thought that would be accountability, but it just doesn't work for me. It just makes me feel worse if I miss ONE day of a new meal plan or workout plan. I'm done letting myself down, but that starts with being done setting myself up for a let down. Failing to plan is planning to fail, but before a plan I need to do some digging and find out what the f*ck I want out of life, my goals, my dreams. Then I can figure out how to get there. These baby steps have taught me so much, the effect of doing small things every day that add up to big results. Here's to everybody that beat their excuses! Even just for one day! There are more days when I can't do that than there are days when I can. My birthday is November 12th and it's time to get my sh*t together. Let's do this. ๐Ÿ‘Š๐Ÿป
Don't worry, I am still a member of the BFI cult ๐Ÿ˜‚ Has anyone read both The Total Money Makeover and Barefoot? Barefoot seems alot simpler to follow but I did learn a few new things from Dave. #september #septemberbooks #booklist #daveramsay #thetotalmoneymakeover #barefootinvestor #debtfree #debtfreeliving #debtfreejourney #debtfreecommunity #debtfreecommunityaustralia #books #reading #canva #design #commonsensemoneyguide #aussie #bficult
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
DETERMINED to get rid of my college debt. . Gotta start somewhere. . #Babysteps #daveramseybabysteps #thetotalmoneymakeover #babystep2
Ok So here my new debt payoff for 4th quarter!! I plan to officially start the debt snowball i really just have to pay my family member off ASAP cause like Dave says Thanksgiving taste wayyyy different when you owe family money. #debtfreemom #debtfreejourney #debtfreeliving #debtfreecommunity #daveramsey #debtfree #financialeducation #financesblog #sinkingfunds #babystepping #thetotalmoneymakeover #financialpeaceuniversity #minimalism #minimalistmom #minimalismchallenge #babysteps #everydollarbudget #zerobasedbudget
๐Ÿ˜ณโš ๏ธ Federal loans have protections They offer income based repayment Forbearance! Deferment! Oh my! . So why in the world would I refinance them?!๐Ÿ˜• . My current Fed Loan is all consolidated at 7.25% fixed. With over $202k, that's accruing over $1,000/month in interest. ๐Ÿ’ธ . So yes, I'm exploring refinancing options through a credit union right now. If I can get it under 4% fixed, I'm sold. ๐Ÿ“‰ . I'll be shopping around this weekend and will let you know what I find! ๐Ÿค‘
The nail tech school in our area just started their Fall classes & this week all manicures are FREE!!! Guess who was in the building?!? Me!! I love free & it was an extra bonus that today was our no spend day. Next week theyโ€™re doing free pedicures all week & I will be again! ๐Ÿค—๐Ÿค—๐Ÿค—
There have been a lot of "extra" expenses in the budget lately. Normally my budget only consists of food, the mortgage, Fed Loan, and utilities. That's it. But lately it's been plane tickets for Christmas and when my sister in law gives birth, birthday gifts, Christmas gifts and more. Everything has been carefully vetted and analyzed, budgeted down to the cent, but it's definitely slowing me down on this NYU student loan. There's just no denying it. Sure, I could skip flying home and miss the birth of my only siblings first kid, but I'm choosing not to. Sometimes life is more important than debt. When I'm at the end of my #debtfreejourney and have one pay period left to go, I don't think I'll look back and wish I would have skipped the birth to throw that plane ticket money at Fed Loan. P.S I found this so confusing trying to count "up" to my loan payoff that I just added a sticky note over it counting down to zero. ๐Ÿ˜‚ Math is hard. ๐Ÿ™ˆ
If you are tired of living paycheck to paycheck... and feel that every month you donโ€™t know what happened to the money you work so hard to get! Well I suggest you look at your spending habits and do a budget! I started this journey about 2 years ago and the very thing that helped me change is the book #thetotalmoneymakeover by @daveramsey ! You need to hear this if you are tired of the banks taking all your hard earned #cash - - #money #dinero #memeoftheday #memes #meme #memesdaily #conormcgregor #debtfreecommunity #debtfreejourney #debtfree #debtfreeliving #debtfreedom #financialfreedom #financialdomination #finance #finances #bank #credit #creditcard #frugalliving #frugal #instagood #instagram #photooftheday #memeoftheday
This morning I logged into Facebook to find a pleasant "On This Day" memory at the top of my feed. . 4 years ago today is when I paid my final debt in my #debtfreejourney . . November 2012 I bought #thetotalmoneymakeover on Amazon and was so inspired by it I read it in an afternoon. I was so struck by the thought of becoming debt free and how stress free life would be that I committed RIGHT THERE that I would take a hold o my finances and figure my shit out. . December was right around the corner so I wrote out a budget for the month. Spending money on categories like clothes, eating out and all the other random spending I was doing was BREAKING ME. I had to learn to scale my spending down. I honestly wasn't making much at that point. Maybe $2k a month? But I was working multiple jobs as a #massagetherapist so I often ate out and spent without thought because I felt like I deserved it. . I still remember the weight that I felt lift from my shoulders on this day 4 years ago. A feeling I had been waiting for for so long. My life was no longer in the red. I would be saving for my future instead of paying for my past and THAT ALONE will keep encouraging me to live a #debtfreelife . . Never again do I was to be controlled by my past. The future is BRIGHT you just have to want it and put the plan in place to make the change! . . . #debtfreecommunity #daveramsey #llnoe #cashflowinglife #babysteppingtofreedom
**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
If you donโ€™t have this book please buy it or listen to it on the audible app either way is the best investment of your life... this is where our journey began #daveramsey #thetotalmoneymakeover #babysteps #debtfreejourney #debtfreecommunity
MILESTONE REWARDS: This is what keeps me going. The #debtfreejourney can be long. For me, it will take about four years. So, against popular opinion, I've decided to celebrate payoff milestones in a big way. It's what is keeping me motivated to pay off over $200k, just in student loan debt. Sitting my the pool in Las Vegas, it hit me. This is what early retirement will look like for us. An active lifestyle with lots of relaxing by a nice pool at the end of the day somewhere warm and sunny. At least that's what our dreams are made of right now. Who knows how our goals will change over the next few years once I pay off my debt. But with a debt free live and financial plans for early retirement, we'll have options! ๐Ÿนโ˜€๏ธ
I canโ€™t believe that since March and since we decided to join debt and efforts we have been able to accomplish so much. We made so much progress since we decided to work towards the same goalโ€ฆ Swipe to see the beforeโ€ฆ Assigning every euro a function, saying no to some events, still enjoying some with our pocket money, not buying clothes, shoes or accessories for me for the past 10 months, pausing our debt snow ball to cash flow the rest of my hubbyโ€™s type rating & delayed gratification, has taught us that with the adequate behaviour, you can reach for the stars. This, and having the support from all of you from the DF community. I never thought I would find such a wonderful group of like minded people. And for this I am forever #grateful . What have youโ€™ve learnt so far since you are on the debt free journey?
Iโ€™ve decided to give myself an hour & a half each day to better myself mentally, physically, & creatively. So ready to track my progress & get it done! ๐Ÿค—๐Ÿ’ช๐Ÿพ
Iโ€™m just realizing that I didnโ€™t post my September Food Breakdown. I think we did a really great job lowering our Restaurant spending! Now that weโ€™re cooking at home the weight is dropping each month. September was low month for me & Iโ€™m blaming it on the fact that I only worked out once each week instead of my usual 3!
Working out is the No Spend activity for the day!
I'm all about mostly cheap eats while traveling so we can splurge on a nice dinner out later! Last nights dinner was under $4 ๐Ÿ˜‹And also delicious! ๐Ÿ” Vegetarians, I highly recommend a grilled cheese, animal style!
Headed off to Vegas with under $6k left on my current snowball item! Time to celebrate paying off over $50k this year! Margaritas on me! ๐Ÿ˜‚๐Ÿน๐ŸŽ‰
WHY I MAKE MY SNOWBALL PAYMENTS ON PAY DAY: Old photo, but a new point. If I have (what feels like) extra money just sitting in my checking account, IT WILL GET SPENT. Making my snowball payments as soon as they money comes in has been key to ensure I stay on budget. After the snowball payment, there's no extra money, no wiggle room to make mistakes. This takes no additional effort and has made a huge difference in terms of how quickly I've been able to make progress on my debts. If you're not already doing this, I highly recommend it. Anyone else do this too?
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