I do our budget on a bi weekly basis...because my husband is in the Navy, he gets paid on the 1 and 15th...and because I’m a government contractor I get paid every other Friday...sometimes we overlap weeks and sometimes we don’t...bi weekly budgeting is easier for me than monthly...and I don’t get as overwhelmed..#debtfree#daveramsey#cashenvelopes#zerobasedbudget
Hey guys! My team is really crushing it and getting results. Who else wants to get paid 100.00 or more a day? Imagine the possibilities, this System is powerful! There are no limits when it comes to these results!
Message me for more info or email me at: email@example.com. I am usually always online so feel free to PM me. Hope you are having a great day!
Confession: I don't like to work.⠀
Last week I spent most of my hours at in my home office, on my couch, my dining room table, on my phone at the park. Some mornings, some afternoons, some evenings, and some days all of the above.⠀
But the great thing about it is, it was my choice when and where. ⠀
What pushes me? MY WHY and my passion.⠀
My WHY is to get out of debt 100% and my passion is my mission, the industry, my customers, and passion towards something I genuinely care about. That’s what makes it very different.⠀
Sometimes there is this feeling of losing track of time because it never feels like work. I never wish I was watching that Netflix series or scrolling random things on social media. Because to be honest, those things have never really fulfilled me anyway, they just fill time when I do feel like zoning out. ⠀
And in the morning, I wake up excited to do it again. ⠀
Sure, I have my moments of “This is tough”, but I know they’re part of the journey. Businesses take years to build, and I am still so new.⠀
When I started this on the side of my fitness business I squeezed the work into various pockets of time - It was this thing that became my positive outlet, and the passion only grew from there.⠀
Are you also someone who genuinely loves to work, but not really? lol... and not just the same old 9-5 type of work?⠀
Have you ever thought about doing something you care about on the side, but you’re not sure what?⠀
Have you ever wanted to do more and really make a difference?⠀
That was me, again and again.⠀
If you can relate, just shoot me a message. I’d love to chat ❤️. #homebodyfitness#homebodybusiness#grow#Ihatework#noninetofive#makeyourownhours#femaleboss#somuchtime#debtfree#yourwhy#passion#buildnestegg#retirewithcash
Alhamdulillah, satu lagi maklum balas atau feedback dari salah satu klien kami.
Kami berjaya menolong klien kami untuk membayar hutang bank dengan:
- ZERO Interest
- Repayment 60 months or lesser
- Pay lower than minimum payment
- STOP Harassments from the banks
Nak tahu bagaimana kami boleh menolong anda?
Hubungi SMARTdebt Asia di talian 98786063 / 90226655 (konsultan muslimah) untuk mendapatkan bantuan dan konsultansi peribadi secara PERCUMA!
Atau layari website dwi-bahasa SMARTdebt Asia (SG) di www.smartdebt.asia
Sometimes it's not about what God gave you! It's all about what he took from you! I have prayed a prayer to remove all things that's not of God from me and out my life and God started removing people , debts and fearful thoughts, pain and hurt !! Thank you Jesus!! #graitude#patience#blessings#debtfree#2017 has been one of my best years in a long time! All I did was put God first in all I do!!!
It's payday, y'all!
Made an additional $85 extra payment towards current debt in the snowball bringing my total extra up to $169 in the month of October.
It feels a bit slow moving. I have a pretty low income, even with a second job. I also started a couple modest upcoming holiday sinking funds that if goes unused, will be dumped into the snowball.
Just keep swimming!
I’ve done my research and I don’t recommend these companies. They claim to make paying for your cards easier because they will be consolidated into one account. But in reality you are just moving your debt from lets say 10 accounts to 1 and not really addressing the problem and thats good money management skills. I have heard countless horror stories of people paying the debt consolidation companies hundreds of dollars a month only to later find out that the conpany went out of business and kept all the money that these people were paying them to pay their debts. If you truly seek relief from all the credit card payments, my advice is to go on a written budget where you assign every dollar a name, pay off the smallest cards by utilizing the debt snowball method(my preferred method) and never borrow money from them again. This is how im slowly getting down to one final credit card and didnt need the help of these companies to do it. Blog post coming soon on this topic.
Someone who owes me money, actually paid me $300 of it back. It went straight to debt! I didn't even hesitate! A little tip for you guys who are dumb, like me: DON'T LOAN MONEY TO PEOPLE WHEN YOU ARE IN DEBT! I loaned a large sum of money out before I started my debt free journey, but knew exactly how itd hurt me while doing it. Pay yourself first! NTS: When I am debt free, then I can give out money to those who need it. Not a loan, but a gift. #oneday
I need some help #debtfreecommunity Do I go with my head or my heart?
HEAD : Job very close to home, substantial promotion into management, opportunity to grow a department team from scratch (after clearing up current issues) with a 12% payrise BUT working environment seems toxic (currently working here) OR HEART : Job with a 1.5 hour daily commute, different company, lovely caring culture and respect but no promotion or pay rise. Slight possibility for it in the future (left job due to burn out) #debtfree#debtfreecommunity#headorheart#lost#asktheeightball#career
💵Disclaimer: this is our personal view. We recognise this might not be the best course of action for everyone but it is for us in our current situation.💵
Four months ago a switch flicked in my brain. I’d been following Dave Ramsey via YouTube for several years. We had more than a year’s worth of emergency fund, had successfully cash flowed a wedding and a month long honeymoon, moved homes and were looking at the next step. -
When I thought of our financial position, I was proud. We’d made so much sacrifice to get to that point. But there was a niggling thought in the back of my mind... we were debt free... but what about the HELP debt?
Prior to that point we’d agreed to leave it and let my husband’s compulsory contributions pay it off. Wasn’t that what we were supposed to do? But every time I opened the Tax Office account and saw the indexation it made me feel physically ill! 1.5% of a lot of money is still... a lot of money.
So the switch flicked and that day I went home and said to my husband, “I think we need to pay off the HELP,” and, bless him, he said, “I think you’re right” 😍 #keeper#obsessed#marryhim#idid -
So I want to pay it off so I can stop thinking about it! I hate it! I hate it so much! I want it gone and out of our lives. I want to stop saying, “We’re debt free except for the HELP debt.” I also resent the indexation with an inhuman rage. My husband is much more logical than me and thinks this is a good time for us to get rid of it and it’s a manageable amount in the time frame we’ve given ourselves 🤷♀️ Okay, fine 😂
It hasn’t all been smooth sailing since we decided to do this... Murphy visited in particularly spectacular fashion in the form of a written off car! But since June we’ve paid off $17,517.15.
Our goal is to be totally (including the HELP!) debt free by 31st May 2018. Like, the final payment has to clear by then to avoid indexation 😂 #byefelicia
3 days left to go: I came across a post on The Daily Mail yesterday that they found on mumsnet. A mother was asking if 10 Christmas gifts per child was too little and some people actually said they’d give as much as 50 gifts per child. Now you probably already know how little I’ll give my little one (1 gift), but what I’d like to know is, how many gifts will you give your children or loved ones?🤔 Comment below and let’s chat👇🏻
@daveramsey helped us to be debt free (he’s not talking about your home, that’s a longer term goal) and stop living pay check to pay check.
The Bible tells us “the borrower is slave to the lender” Do you want to be a slave or set free?
Write down all your debts from smallest to biggest and have goals to pay them off in that order. Whether you owe your mum $200, or you bought your iPhone on a payment plan, credit cards, car loan, personal loans, etc.
It doesn’t matter the interest rates. Just do it. Trust me. What you focus on you can achieve, so smash some debt this weekend & make a plan! #debtfree#hewhoisdebtfreeisfreeindeed#financialfreedom#hamburgmum#lifeonabudget#budgetingtips#theborrowerisslavetothelender
This is your last chance! After this, there is no turning back.
You take the BLUE PILL - you wake up in your bed and believe whatever you want to believe. Keep staying in what you believe as your current reality. Life Is Happening To You. It's your destiny to be living from paycheck to paycheck, struggling to get out of debt, left with nothing in the account after all expenses or living off credit card.
You take the RED PILL - you stay in Wonderland, and I show you how deep the rabbit hole goes. Remember: all I'm offering is the truth. Nothing more. Life Is Responding To You. You can co create the life that you deserve, end all of the money struggles, constant attraction of negative experiences into your life and start loving the life that you are living in now.
Shall you choose to take the red pill click on this link www.thealchemistofwealth.com #lifepathalchemist#paycheck#money#debtfree
Yep! Totally does! Let’s celebrate the fact we are all one week closer to being debt free! 🎉 🎉 About to have my one glass of champers after the kids are in bed and watch Netflix with my hubby. It’s a long weekend here in NZ but our plans will be pretty simple, our kids have 3 birthday parties to attend this weekend, I’ll be doing some study and we plan on going to the beach and the park weather permitting. Cheers to the weekend! 🍾🥂
#tbt (or are we at #fbf now?😜) Happy One Year Anniversary to @rachelcruze's book #LoveYourLifeNotTheirs !! Her book focuses on finances but I find her message so powerful because out-of-control finances and out-of-control clutter both take that self-reflecting realization that only you can make the choice and take the steps to gain control. You already know I used to feel trapped by physical clutter but did you know I used to also be trapped by debt? There's a way to freedom and @rachelcruze can show you how. #TheJoannaGainesOfFinances#DebtFree#SeeYaVisa#Freedom#ClearTheCrap#TooMuchStuff
This is where I feel extremely lucky! 1 hour into Dave Ramsey YouTube videos, we were both onboard 💯 percent!!!! By the second hour, we had a rough budget and found a potential $1000/month we “should” have if our budget was accurate. With some fine tuning and hard work we tackled $32,000 in debt in 13 months! Others spend years trying to get their spouse onboard! Don’t GIVE UP!😁🤘🏼#Thankful#DebtFreeAF#Debtfree#DaveRamsey
Trying to see if this is a good place to start. I'm looking for consistent quality (ish) lighting that my store can afford.
Right now I'm using security lights taped to the bottom of backless chars and poster board.
This is not an end-all-be-all option, just a step 1, to 2 option.
If any of you have any input, I'm all ears and would greatly appreciate it.
ME TOO JASON! My stupid tax is the interest on my student loans.. I started out paying $425/month and I’ve got it down to $350/month now. It is so hard watching that interest get added back to my balance every month. I just keep thinking about 2020 Veronika who is going to have NO payments!!! What’s your stupid tax?
We lost a dearly loved member of our family Tuesday and as such going to be stepping back from the social media for a while we all grieve and heal. Short update - My budgets gone out the window; take aways nearly every day. I have no leave so taken this week and half next week off as no pay (which will hurt my pay next week and fortnight after) but I don’t even care... nows the time to support the family; cry it out and celebrate the life of a great man. #gonetoosoon#takingabreak
Tonight's Financial Class was SO SO GOOD!! We read this scripture and it spoke volumes to my heart. Guys! GOD IS SO FAITHFUL! Even in the small things such as MILK!
It's all about ATTITUDE! Attitude of the Heart 💜 You can be filthy rich and your heart can be sour. Or you can have $5 to your name and you give with a Cheerful heart! You Get to Decide! #YouReapWhatYouSow
Each week new downloads are being transported to my heart and MIND. It's all making sense! My friend recently told me: You Take Care of God's House, and He'll Take Care of Your House! BOOM!
The BIGGEST SATISFACTION in my career is seeing my clients years later knowing that they're in MUCH BETTER FINANCIAL SHAPE than when I met them!
God bless this man!!! Client since 2009.
WE MAKE A DIFFERENCE IN PEOPLES LIVES!!!