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 😋 Will definitely post how it works out! 🤩
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 🙌🏻💚
This was one of my favorite breakfasts when I was #vegan
; the gut-cleaner! Chia seeds, oats, bran flakes, and grape nuts 🙌🏻 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! 💚🙌🏻🐮🐔🐷
Do you schedule self care days? What do they look like for you? Heading into November goals, I’m scheduling two self care days for the month. I do not schedule self care days. I’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.
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
LONG POST⚠️: 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. 💕💕💕
💜 a p p r e c i a t i o n 💜
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! 💜
This book is hugeee in America!! Time to get a grip of my finances now I don’t have the luxury of the army to fall back on!! 💪 “if you will live like no one else, later you can live like no one else” @daveramsey #thetotalmoneymakeover
So hubby’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 Ramsey’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?
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 🙌🏻 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! 😃 Goodnight, yall!
I am team sinking fund and have already cash flowed my parents’ 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?
🍁a p p l e p i c k i n g🍁
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 🍎 Sun crisps, braeburns, cameos, granny smiths, and pink ladies 🍁 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. 😍 Can't wait to can some applesauce this year! 🎃 Happy fall, y'all!
Edit: organic cotton bags are from @organiccottonmart
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 🎉
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!
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 🙌🏻 Hung up some more Halloween decorations, too! 🎃 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 👊🏻👩🏼⚕️
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 🙌🏻 I can walk into our front closet now! (2nd pic) Aaaaand when I was cleaning I broke a teapot lid (3rd pic) 😬 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 ☕ Have a productive, frugal day fam!
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! 😈 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! 😅
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! 👊🏻
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? 🤔) ...
This past weekend we went to Jon's parents' house and there was a rent-a-dumpster in their driveway! 😯 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 🤷🏼♀️
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 😉
Glad to see our transparency with our families is starting to inspire some positive change! Hopefully being #debtfree
will elicit similar results 😂🤞🏻
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 😝 Reduces food waste since I'm very picky and bananas are usually in their Allyx-ready-to-eat state for one day 😂 Would love a good homemade recipe for banana bread if anyone knows of one! Trying to find more ways to use food/fruits 💕 Normally I'd have put these in a plastic gallon sized bag, but now I use my @stasherbag
Whenever I’m feeling a bit down about myself I try to write a list of accomplishments I’ve made throughout the year. I’m hoping to have a set budget once I start my new job and now that I’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 what’s left. I’m so grateful I found and read #thetotalmoneymakeover
#debtfreebirdy #debtfreejourney #debtfreecommunity #daveramsey #accomplishment #blessed
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?
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!
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 🎉 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 😃 Products featured: @stasherbag
purchased through @packagefreeshop
bags which I luckily found googling cotton produce bags! They're so sturdy.
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. 😕All this to say, do what works for you. As long as you're moving in the right direction, progress is progress. I guess 🤷🏻♀️
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 50€ 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 🤷🏼♀️
Will you go out or stay home this week end?
What is your eating out/fun money budget?
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. 👊🏻
Federal loans have protections
They offer income based repayment
Forbearance! Deferment! Oh my!
So why in the world would I refinance them?!😕
My current Fed Loan is all consolidated at 7.25% fixed. With over $202k, that's accruing over $1,000/month in interest. 💸
So yes, I'm exploring refinancing options through a credit union right now. If I can get it under 4% fixed, I'm sold. 📉
I'll be shopping around this weekend and will let you know what I find! 🤑
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 they’re doing free pedicures all week & I will be again! 🤗🤗🤗
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. 😂 Math is hard. 🙈
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
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! 🍹☀️
I can’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 goal…
Swipe to see the before…
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 hubby’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 you’ve learnt so far since you are on the debt free journey?
I’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! 🤗💪🏾
I’m just realizing that I didn’t post my September Food Breakdown. I think we did a really great job lowering our Restaurant spending! Now that we’re cooking at home the weight is dropping each month. September was low month for me & I’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 😋And also delicious! 🍔 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! 😂🍹🎉
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?