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SIDE HUSTLE IDEAS - Bron Rewards App - Scan receipts from participating shops - it’s slow but hey bonus for shopping already! All adds up - use the code for bonus 300 on sign up 😘 #sidehustle #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals
ITS PAYDAY AND MY FRIDAY (I have tomorrow off) 😂 spent this morning arranging all my direct debits to come out of my new ING accounts 🙌🙌 how easy it was when I track all my spending on spreadsheets 😂 back in the day I would have had no clue when or what comes out my accounts .. now I’m little miss organized !! Time to sprinkle this $$$ onto my student loan 🙌 #movingbanks #barefoot #payday 💰
ITS PAYDAY AND MY FRIDAY (I have tomorrow off) 😂 spent this morning arranging all my direct debits to come out of my new ING accounts 🙌🙌 how easy it was when I track all my spending on spreadsheets 😂 back in the day I would have had no clue when or what comes out my accounts .. now I’m little miss organized !! Time to sprinkle this $$$ onto my student loan 🙌 #movingbanks  #barefoot  #payday  💰
Yay! My last pay before I start the Paid Parental Leave. I’m so grateful that it will allow me an extra 18 weeks to be with my 4 month old daughter. 👨‍👩‍👧‍👧
Yay! My last pay before I start the Paid Parental Leave. I’m so grateful that it will allow me an extra 18 weeks to be with my 4 month old daughter. 👨‍👩‍👧‍👧
Been thinking of getting an Instapot 🤔🤔 [of course it would have to be added to the budget]. I always use the excuse when it comes to dinner time "It's already late, by the time I finish cooking, it'll be bed time", so we just pickup food to go. 
Do you have one? Do you like it? Do you use it often?
Been thinking of getting an Instapot 🤔🤔 [of course it would have to be added to the budget]. I always use the excuse when it comes to dinner time "It's already late, by the time I finish cooking, it'll be bed time", so we just pickup food to go. Do you have one? Do you like it? Do you use it often?
Take control of your budget with this free workbook! It walks you through step by step how to set up a successful budget.  Link in profile.
Take control of your budget with this free workbook! It walks you through step by step how to set up a successful budget.  Link in profile.
Our payment finally posted! Total balance is $56,206.56. The balance for Group C (Nelnet calls the loans "groups"), which we’re snowballing now, is down to $14,236.23! You can see we applied the bulk of our $2,500 payment towards that one. Danny has been keeping a spreadsheet since February 2017, which has helped him calculate each loan's change each month and how much (beyond the actual minimum payment) is required to keep interest at bay (i.e., to keep the loan from growing because the minimum required payments aren't enough). Basically, we try to pay those “minimum” amounts on the other two remaining loan groups, then put any extra payments toward this group. Four loans down and two more to go!
Our payment finally posted! Total balance is $56,206.56. The balance for Group C (Nelnet calls the loans "groups"), which we’re snowballing now, is down to $14,236.23! You can see we applied the bulk of our $2,500 payment towards that one. Danny has been keeping a spreadsheet since February 2017, which has helped him calculate each loan's change each month and how much (beyond the actual minimum payment) is required to keep interest at bay (i.e., to keep the loan from growing because the minimum required payments aren't enough). Basically, we try to pay those “minimum” amounts on the other two remaining loan groups, then put any extra payments toward this group. Four loans down and two more to go!
• No Personal Space Here • It’s Either The Dog Or The Toddler! • We’re Still Yet To Have A 2018 Payday & We’re Just About Surviving, Roll On 30th Jan - I Should Get My Overtime & First Chunk Towards Overdraft 1! We’re Continuing The Great House Mess Up (AKA Home Improvements 😭) & I’ll Post Some Pics When We Have Before & Afters - We’re Still Very Much In The ‘Before’ War Zone, Another Busy Weekend Planned ⭐️Overtime For Jan (Payday 28th Feb) Current 8 Hours ⭐️ Hopefully On Track To Pay Off Debt 1 Before April 30th. ________________________________________________________#ukdebtfreecommunity #debtfreecommunity #debtfree #debtfreejourney #debtsnowball #debtsucks  #debtfreegoals #debtfreeliving #debtfreelifestyle #debtfreeby35 #debtfreefamily #overtime #Notsomuchsidehustle #debts #debt #debtisdumb #Barclays #overdrafts #nomorefees
• No Personal Space Here • It’s Either The Dog Or The Toddler! • We’re Still Yet To Have A 2018 Payday & We’re Just About Surviving, Roll On 30th Jan - I Should Get My Overtime & First Chunk Towards Overdraft 1! We’re Continuing The Great House Mess Up (AKA Home Improvements 😭) & I’ll Post Some Pics When We Have Before & Afters - We’re Still Very Much In The ‘Before’ War Zone, Another Busy Weekend Planned ⭐️Overtime For Jan (Payday 28th Feb) Current 8 Hours ⭐️ Hopefully On Track To Pay Off Debt 1 Before April 30th. ________________________________________________________#ukdebtfreecommunity  #debtfreecommunity  #debtfree  #debtfreejourney  #debtsnowball  #debtsucks  #debtfreegoals  #debtfreeliving  #debtfreelifestyle  #debtfreeby35  #debtfreefamily  #overtime  #Notsomuchsidehustle  #debts  #debt  #debtisdumb  #Barclays  #overdrafts  #nomorefees 
Day 2 of being housebound thanks to the snow! So nothing exciting to report finance wise 😩 It has meant 2 no spend days though which is a bonus though! We are on amber warning this evening because of the weather, but hoping to at least make it out to get some bread tomorrow.. Only so many jacket potatoes I can stomach! 😂 #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debt #debtfreeliving #financialfreedom #financiallyfree #debtfreegoals #debtfreelifestyle
Day 2 of being housebound thanks to the snow! So nothing exciting to report finance wise 😩 It has meant 2 no spend days though which is a bonus though! We are on amber warning this evening because of the weather, but hoping to at least make it out to get some bread tomorrow.. Only so many jacket potatoes I can stomach! 😂 #debtfreecommunity  #debtfreejourney  #debtsnowball  #debtfree  #debt  #debtfreeliving  #financialfreedom  #financiallyfree  #debtfreegoals  #debtfreelifestyle 
Why not dump all the toys out and climb in the box??
Why not dump all the toys out and climb in the box??
Took my daughter out for lunch with a gift card I received for Christmas. Eating out is the thing I miss most while on this journey. We ate out ALL the time. Now we only eat out 1-2 times per month, usually just my husband and I, for date night. It’s a huge sacrifice. I miss eating out more than shopping, cable, and mani & pedis combined. It will all be worth it when we’re debt free! Until then I’m using all of my Christmas gift cards sparingly. #debtfreecommunity #debtfreegoals #financialpeace #financialfreedom #payingdowndebt #debtfreejourney
Took my daughter out for lunch with a gift card I received for Christmas. Eating out is the thing I miss most while on this journey. We ate out ALL the time. Now we only eat out 1-2 times per month, usually just my husband and I, for date night. It’s a huge sacrifice. I miss eating out more than shopping, cable, and mani & pedis combined. It will all be worth it when we’re debt free! Until then I’m using all of my Christmas gift cards sparingly. #debtfreecommunity  #debtfreegoals  #financialpeace  #financialfreedom  #payingdowndebt  #debtfreejourney 
THIS IS WHAT DENIAL LOOKS LIKE 🤦🏼‍♀️
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I was inspired by @debtfreepeach to look up how much progress I’ve made in TEN YEARS - negative 9K!
I’ve added approx. 1K of interest a year - My $180 minimum payment has done NOTHING! —————
😕I almost didn’t post this, but regardless of who knows or doesn’t know NAVIENT knows and they are charging my life away. —————
💰 They have me on a 30 year payment plan that’s how they’ve been able to keep my minimum payment so low, which is probably why I haven’t felt the pressure to pay more bc $180 doesn’t feel like much
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I deferred and deferred and avoided and denied this loan existed to the high heavens -NO MORE ❌❌❌❌
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#debtfreecommunity #debtfreegoals #debtfreejourney #studentloans #staywoke #woke
THIS IS WHAT DENIAL LOOKS LIKE 🤦🏼‍♀️ ——————— I was inspired by @debtfreepeach to look up how much progress I’ve made in TEN YEARS - negative 9K! I’ve added approx. 1K of interest a year - My $180 minimum payment has done NOTHING! ————— 😕I almost didn’t post this, but regardless of who knows or doesn’t know NAVIENT knows and they are charging my life away. ————— 💰 They have me on a 30 year payment plan that’s how they’ve been able to keep my minimum payment so low, which is probably why I haven’t felt the pressure to pay more bc $180 doesn’t feel like much ————— I deferred and deferred and avoided and denied this loan existed to the high heavens -NO MORE ❌❌❌❌ • • #debtfreecommunity  #debtfreegoals  #debtfreejourney  #studentloans  #staywoke  #woke 
Not today Murphy! Had a routine mammogram come back abnormal so I had to go for a follow up today. Screenings are covered 100% but diagnostic (which this one is classified as) are not and they go against my detectable. Another mammogram and ultrasound later I’m in the clear (SO thankful because that was really scary for a bit) but we owe over $700 that was not planned for. So glad I have a FSA account. No impact to our budget and I don’t have to worry about incurring more debt since we have money set aside for situations like these. And just for my ladies a PSA.....go get checked!
Not today Murphy! Had a routine mammogram come back abnormal so I had to go for a follow up today. Screenings are covered 100% but diagnostic (which this one is classified as) are not and they go against my detectable. Another mammogram and ultrasound later I’m in the clear (SO thankful because that was really scary for a bit) but we owe over $700 that was not planned for. So glad I have a FSA account. No impact to our budget and I don’t have to worry about incurring more debt since we have money set aside for situations like these. And just for my ladies a PSA.....go get checked!
Staying razor focus and not just working on it!! #debtfreecommunity #debtfreegoals #debtfreejourney
Loving @topcashback_uk ! I have a junior ISA for my 3 year old and absolutely love it, so only thought it be right to open my newborn one too! Luckily they were offering £42 cash back when the account is opened. WIN WIN! 
Also I didn’t realise, but my broadband with #sky has outrun its 18 month contract and suddenly increased to £30 a month! Just for internet, so I found this deal with #plusnet for £18.99 a month with £60 cashback. Erm.... that will do me thank you! 💷 .
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#debtfreewannabe #debtfreejourney #debtfree #debtfreeuk #debtjourney #bills #topcashback #moneysaving #budget #budgeting #budgetlife #frugal #frugallife #money #debtfreelife #debtfreegoals
Loving @topcashback_uk ! I have a junior ISA for my 3 year old and absolutely love it, so only thought it be right to open my newborn one too! Luckily they were offering £42 cash back when the account is opened. WIN WIN! Also I didn’t realise, but my broadband with #sky  has outrun its 18 month contract and suddenly increased to £30 a month! Just for internet, so I found this deal with #plusnet  for £18.99 a month with £60 cashback. Erm.... that will do me thank you! 💷 . . #debtfreewannabe  #debtfreejourney  #debtfree  #debtfreeuk  #debtjourney  #bills  #topcashback  #moneysaving  #budget  #budgeting  #budgetlife  #frugal  #frugallife  #money  #debtfreelife  #debtfreegoals 
I already ♡love♡ my decision to make this new account @babysteps_to_baby •
This is kick@$# collection of strong and smart ladies WHO care about the same things as I do! How cool!? I've combined some of the things I'm most passionate about--
1) Supportive family & friends
2) Getting #debtfree (only $3,500 left on my hubbies car loan)
3) Having a healthy #baby using #IVF with #PGD & #PGS •
So "hello" new friends & old! •
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 #debtfreecommunity #ivfjourney 
#debtfreegoals #debtfreejourney #daveramsey #daveramseybabysteps #financialfreedom #financialpeace #babystep2 #ivf #pgd #pgs #pgstesting #icsi #endometriosis #hsp #hereditaryspasticparaplegia
I already ♡love♡ my decision to make this new account @babysteps_to_baby • This is kick@$# collection of strong and smart ladies WHO care about the same things as I do! How cool!? I've combined some of the things I'm most passionate about-- 1) Supportive family & friends 2) Getting #debtfree  (only $3,500 left on my hubbies car loan) 3) Having a healthy #baby  using #IVF  with #PGD  & #PGS  • So "hello" new friends & old! • • #debtfreecommunity  #ivfjourney  #debtfreegoals  #debtfreejourney  #daveramsey  #daveramseybabysteps  #financialfreedom  #financialpeace  #babystep2  #ivf  #pgd  #pgs  #pgstesting  #icsi  #endometriosis  #hsp  #hereditaryspasticparaplegia 
I got paid this past Friday but didn’t spend any money the past few days since I had been sick and stayed home. But I finally filled up my clips! 💵 Also, I use paper clips rather than the clips I see all over IG. 📎📎 It just fits better in my wallet better, plus I already had the paper clips on hand! 🤷🏻‍♀️
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Here’s my cash clip breakdown:
💵 $140 groceries
💵 $60 fur babies
💵 $40 eating out
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That’s it! I don’t have a cash clip for my personal money since I had used that already for my facial I got at the beginning of the month (if you have seen my previous posts you’ll know I am spending my personal money on facials for my upcoming wedding 👰🏻). My next facial will be right before my wedding ⛪️🏝💍!
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I fill my cash envelopes bi-weekly rather than monthly. Anyone else fill their clips bi-weekly? What is your cash clip/envelope breakdown? 📎✉️
I got paid this past Friday but didn’t spend any money the past few days since I had been sick and stayed home. But I finally filled up my clips! 💵 Also, I use paper clips rather than the clips I see all over IG. 📎📎 It just fits better in my wallet better, plus I already had the paper clips on hand! 🤷🏻‍♀️ . . . Here’s my cash clip breakdown: 💵 $140 groceries 💵 $60 fur babies 💵 $40 eating out . . . That’s it! I don’t have a cash clip for my personal money since I had used that already for my facial I got at the beginning of the month (if you have seen my previous posts you’ll know I am spending my personal money on facials for my upcoming wedding 👰🏻). My next facial will be right before my wedding ⛪️🏝💍! . . . I fill my cash envelopes bi-weekly rather than monthly. Anyone else fill their clips bi-weekly? What is your cash clip/envelope breakdown? 📎✉️
These statistics on the number of Americans who have less than $1,000 in savings is scary. 😳 Although Dave suggests an emergency fund of $1,000, Danny and I purposefully saved enough to cover 6 months’ worth of expenses before we set out on baby step 2. Both of us have been laid off before (when the economy tanked), so this extra cushion makes us much more comfortable. We also contribute to our 401Ks to get the company matches. How do you handle investments and savings during your debt-free journey?
These statistics on the number of Americans who have less than $1,000 in savings is scary. 😳 Although Dave suggests an emergency fund of $1,000, Danny and I purposefully saved enough to cover 6 months’ worth of expenses before we set out on baby step 2. Both of us have been laid off before (when the economy tanked), so this extra cushion makes us much more comfortable. We also contribute to our 401Ks to get the company matches. How do you handle investments and savings during your debt-free journey?
Happy hump day everyone!
I hope everyone is getting through the week & meeting all your goals! 
#debtfreecommunity #debtfreejourney #debtfreegoals #debtfree #debtfreelife #budget #budgeting #savingmoney #savings #goals #financialfreedom #positivevibes
Disgusting snowy start to the day. They say things come in 3s, so here's mine today - my porridge exploded in the microwave - my car insurance has just randomly came out my bank account - I can't wait to see what the third will be. On the plus side I get paid tomorrow. #savingschallenges #savingsjourney #savingsgoals #savingaccount #money #cash #goals #Instasaving #finance #financialjourney #debt #debtfreecommunity #debtfreegoals #ukdebtfreecommunity #blogger #Scotland
Disgusting snowy start to the day. They say things come in 3s, so here's mine today - my porridge exploded in the microwave - my car insurance has just randomly came out my bank account - I can't wait to see what the third will be. On the plus side I get paid tomorrow. #savingschallenges  #savingsjourney  #savingsgoals  #savingaccount  #money  #cash  #goals  #Instasaving  #finance  #financialjourney  #debt  #debtfreecommunity  #debtfreegoals  #ukdebtfreecommunity  #blogger  #Scotland 
Time to talk about some #daveramsey rules that I love to break and the biggest one is his advice on retirement contributions 🙈🙉🙊. .
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Traditionally Dave advises that you stop ALL retirement contributions during BS2 until your #debt is paid off (except the 🏡). .
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There are a couple reasons why I don’t follow Dave’s advice and continue to contribute to my retirement account: 
1. I’m nearly 30 and the fact of the matter is that in many retirement senses I’m already behind. I’ve only got about $5,000 in my #retirement accounts and the traditional rule of thumb is that you should have 1 years worth of salary in your retirement funds by 30 so that puts me $50,000 off the mark! 
2. My debt doesn’t accumulate interest so I’m not saving $ in the long term by paying off my debt first at the expense of my retirement savings. .
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Simply put I’m going to continue contributing to my retirement fund and my plan is to start a Roth IRA and a traditional IRA (this will be a one time investment of $5,500) before the end of 2018. I want to do this so that I can go into 2019 having multiple retirement funds set up that I can contribute to while working towards BS3. .
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Has anyone else broken any of Dave’s rules on their #debtfreejourney? What retirement tips do you use? What are your retirement goals? .
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#debtfreecommunity #debtfree #babysteps #everydollar #budgeting #savingmoney #money #crushingdebt #debtfreeliving #debtfreegoals
Time to talk about some #daveramsey  rules that I love to break and the biggest one is his advice on retirement contributions 🙈🙉🙊. . . . Traditionally Dave advises that you stop ALL retirement contributions during BS2 until your #debt  is paid off (except the 🏡). . . . There are a couple reasons why I don’t follow Dave’s advice and continue to contribute to my retirement account: 1. I’m nearly 30 and the fact of the matter is that in many retirement senses I’m already behind. I’ve only got about $5,000 in my #retirement  accounts and the traditional rule of thumb is that you should have 1 years worth of salary in your retirement funds by 30 so that puts me $50,000 off the mark! 2. My debt doesn’t accumulate interest so I’m not saving $ in the long term by paying off my debt first at the expense of my retirement savings. . . . Simply put I’m going to continue contributing to my retirement fund and my plan is to start a Roth IRA and a traditional IRA (this will be a one time investment of $5,500) before the end of 2018. I want to do this so that I can go into 2019 having multiple retirement funds set up that I can contribute to while working towards BS3. . . . Has anyone else broken any of Dave’s rules on their #debtfreejourney ? What retirement tips do you use? What are your retirement goals? . . . #debtfreecommunity  #debtfree  #babysteps  #everydollar  #budgeting  #savingmoney  #money  #crushingdebt  #debtfreeliving  #debtfreegoals 
What are you obsessed with???
For me it is:
Anything tropical
Palm trees
Flamingos
Pineapples
Bali
Frangipanis i love smelling the flowers ❤
Ohh and anything gold or rose gold

I try to have tropical decor in my house and would eventually like to live in QLD 
#debtfreecommunity #debt #debtfreejourney #debtslave #debtfreeliving #frugal #frugalliving #frugallife #organised #money #debtfreegoals #financialfreedom #financialgoals #budget #budgeting #debtfreelife #daveramsey #babysteps #obsessed
What are you obsessed with??? For me it is: Anything tropical Palm trees Flamingos Pineapples Bali Frangipanis i love smelling the flowers ❤ Ohh and anything gold or rose gold I try to have tropical decor in my house and would eventually like to live in QLD #debtfreecommunity  #debt  #debtfreejourney  #debtslave  #debtfreeliving  #frugal  #frugalliving  #frugallife  #organised  #money  #debtfreegoals  #financialfreedom  #financialgoals  #budget  #budgeting  #debtfreelife  #daveramsey  #babysteps  #obsessed 
When you don’t have enough, money seems like more than a tool. However, it really is just a tool, but you have to learn how to work that tool before you start seeing it as a tool.
When you don’t have enough, money seems like more than a tool. However, it really is just a tool, but you have to learn how to work that tool before you start seeing it as a tool.
Going barefoot !! Goodbye ANZ !! opening up an everyday account and savings account with ING 🙌🙌 #ING #banking #barefoot
Going barefoot !! Goodbye ANZ !! opening up an everyday account and savings account with ING 🙌🙌 #ING  #banking  #barefoot 
Yay! This is my daycare bill for the fortnight! 👍🏻 my eldest daughter goes to family day care. Since I am on maternity leave we have dropped her days down to 2 a week from full time care. This is so she still has some socialisation and because she absolutely loves going.
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Because it’s FDC, when the carer has time off we don’t pay! Bonus because we aren’t away so my little girl wasn’t going anyway!!!!
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Guess where the normal payment is going??!! Yep all to debt!
Yay! This is my daycare bill for the fortnight! 👍🏻 my eldest daughter goes to family day care. Since I am on maternity leave we have dropped her days down to 2 a week from full time care. This is so she still has some socialisation and because she absolutely loves going. . . . Because it’s FDC, when the carer has time off we don’t pay! Bonus because we aren’t away so my little girl wasn’t going anyway!!!! . . . Guess where the normal payment is going??!! Yep all to debt!
What BS2 feels like for me
What BS2 feels like for me
My hubby hates coins... but I love saving them because it all spends the same! And this year it will all go to paying down our debts 💰😃.
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#debtfreejourney #debtfreelife #debtfree #debtfreegoals #budget #budgeting #debtsnowball #debt #creditcarddebt #paydowndebt #towardsfinancialfreedom #familyoffour #motherofdaughters #instamum #money #daveramsey #motivation #finance #fiancialfitness #sensiblespending #saving #goals #happy
Confession time: I've had a gym membership for a year and today was the first time I stepped foot in my gym to workout😁 They even gave me a new member swag bag!
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I spend $10 a month for my membership and receive a $100 fitness reimbursement from my insurance. I know it sounds ridiculous that I wasted $10/mo on a membership but in my mind I wasn't "wasting" money bc of the guaranteed reimbursement.
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One of the main reasons I decided to go today was bc I recently discovered they offer 30min fitness classes, which is a complete win for me. Oh and did I mention that it's less than a 5 min walk from my job?!!! Apparently they've offered fitness classes for "a long time" according to the instructor and the incentive for me registering at this gym was it's proximity to my job! SMH!
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Welp, here's to a new leaf 🍃 .
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#debtfreejourney #journeytofreedom #debtfreegoals #debtsucks #daveramsey #debtsnowball #mission #financialfreedom #finance # #consumerdebt #debtfreecommunity #debtfree #financialfreedom #finanancialpeace #finance  #cashisking #minimalism
Confession time: I've had a gym membership for a year and today was the first time I stepped foot in my gym to workout😁 They even gave me a new member swag bag! . I spend $10 a month for my membership and receive a $100 fitness reimbursement from my insurance. I know it sounds ridiculous that I wasted $10/mo on a membership but in my mind I wasn't "wasting" money bc of the guaranteed reimbursement. . One of the main reasons I decided to go today was bc I recently discovered they offer 30min fitness classes, which is a complete win for me. Oh and did I mention that it's less than a 5 min walk from my job?!!! Apparently they've offered fitness classes for "a long time" according to the instructor and the incentive for me registering at this gym was it's proximity to my job! SMH! . . Welp, here's to a new leaf 🍃 . . . . #debtfreejourney  #journeytofreedom  #debtfreegoals  #debtsucks  #daveramsey  #debtsnowball  #mission  #financialfreedom  #finance  # #consumerdebt  #debtfreecommunity  #debtfree  #financialfreedom  #finanancialpeace  #finance  #cashisking  #minimalism 
Working late on my side hustle. Gotta get these packages done tonight so my husband can drop them at the post office on his way to work in the morning. Normally I would take them, but we’ve got snow, so I won’t be going anywhere. #debtfreejourney #debtfreecommunity #payingdowndebt #financialfreedom #financialpeace #debtfreegoals
If you've been watching me for a couple of months now and you haven't signed up yet this could have been your credit score going up 155 points. Stop watching and take action on your credit. The 1st month of 2018 is almost over. Time is not standing still for no one, but your credit score is.
If you've been watching me for a couple of months now and you haven't signed up yet this could have been your credit score going up 155 points. Stop watching and take action on your credit. The 1st month of 2018 is almost over. Time is not standing still for no one, but your credit score is.
I’ve gotten so many questions about the wallet I use for my cash envelope system so I’m sharing with everyone!
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No doubt this is such an amazing wallet to keep you organized while using this method of budgeting. I absolutely HATED fiddling with all those loose envelopes in my purse and this was the perfect solution.
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👉🏼Swipe to see the wallet I use currently, and don’t forget to check out the latest blog post that lists 4 additional super adorable wallets that eliminate the need for cash envelopes! 😍
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Cheers to no more loose, crinkled, crushed, misplaced, or forgotten envelopes! 🍻
I’ve gotten so many questions about the wallet I use for my cash envelope system so I’m sharing with everyone! ••• No doubt this is such an amazing wallet to keep you organized while using this method of budgeting. I absolutely HATED fiddling with all those loose envelopes in my purse and this was the perfect solution. ••• 👉🏼Swipe to see the wallet I use currently, and don’t forget to check out the latest blog post that lists 4 additional super adorable wallets that eliminate the need for cash envelopes! 😍 ••• Cheers to no more loose, crinkled, crushed, misplaced, or forgotten envelopes! 🍻
I realized about a year ago that I’m a workaholic. I’m going to start very slowly at gaining more balance in my life. Every two weeks I’m going to take one full day off. I’ll work down to a day off a week eventually but for now, two days off a month. A friend suggested I take a spa day but that’s costly. What do you do on your days off?!
I realized about a year ago that I’m a workaholic. I’m going to start very slowly at gaining more balance in my life. Every two weeks I’m going to take one full day off. I’ll work down to a day off a week eventually but for now, two days off a month. A friend suggested I take a spa day but that’s costly. What do you do on your days off?!
Would you pay $70 for lip stick that last all day?! I’ve had this same lipstick on for 9hrs, I’ve ate two meals and had a lot of beverages and haven’t had to even do a touch up. I usually pay $18-$25 for lipstick or lip stains that don’t last but this stuff is impressive! But it’s also $70! I think it’s called LipSense. Anyone try it?
Would you pay $70 for lip stick that last all day?! I’ve had this same lipstick on for 9hrs, I’ve ate two meals and had a lot of beverages and haven’t had to even do a touch up. I usually pay $18-$25 for lipstick or lip stains that don’t last but this stuff is impressive! But it’s also $70! I think it’s called LipSense. Anyone try it?
No filter needed... and no spending either!! My parents-in-law live in a wonderful spot so it’s the perfect place to get some fresh air 💙
No filter needed... and no spending either!! My parents-in-law live in a wonderful spot so it’s the perfect place to get some fresh air 💙
Excited to put our budget into action starting today! We are good at paying all of our ‘must pay bills’- mortgage, car repayments etc. However, once our ‘left over money’ is sitting in our back account it dwindles away before the next pay.
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Not any more! 💪🏻💵 we have allocated the remaining money to different areas of the budget so fingers crossed we can stick to our spending targets 🎯 .
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#debtfreejourney #debtfreelife #debtfree #debtfreegoals #budget #budgeting #debtsnowball #debt #creditcarddebt #paydowndebt #towardsfinancialfreedom #familyoffour #motherofdaughters #instamum #money #daveramsey #motivation #finance #fiancialfitness #sensiblespending #saving #moneymaker #sidehustle #goals #happy #managingourdollars
Excited to put our budget into action starting today! We are good at paying all of our ‘must pay bills’- mortgage, car repayments etc. However, once our ‘left over money’ is sitting in our back account it dwindles away before the next pay. . . . Not any more! 💪🏻💵 we have allocated the remaining money to different areas of the budget so fingers crossed we can stick to our spending targets 🎯 . . . #debtfreejourney  #debtfreelife  #debtfree  #debtfreegoals  #budget  #budgeting  #debtsnowball  #debt  #creditcarddebt  #paydowndebt  #towardsfinancialfreedom  #familyoffour  #motherofdaughters  #instamum  #money  #daveramsey  #motivation  #finance  #fiancialfitness  #sensiblespending  #saving  #moneymaker  #sidehustle  #goals  #happy  #managingourdollars 
It's no secret that I've got some big goals for 2018 - financial goals, fitness and weight loss goals, business goals 🙌💪👊. My husband was off today and it gave me a sneak peak of what our future could be like and reminded me WHY we want to retire him home.  Love @daveramsey quote "Live like no one else, so later you can live like no one else." What is your "WHY"? Keep your eyes focused and press on!  #fitfam #fitmom #weightlossjourney #sliquein60challenge #debtfreegoals #dreambig #burningdesire #growthmindset #momof6 #momsohard  #laserfocus #energybus #motivationalquotes
It's no secret that I've got some big goals for 2018 - financial goals, fitness and weight loss goals, business goals 🙌💪👊. My husband was off today and it gave me a sneak peak of what our future could be like and reminded me WHY we want to retire him home. Love @daveramsey quote "Live like no one else, so later you can live like no one else." What is your "WHY"? Keep your eyes focused and press on! #fitfam  #fitmom  #weightlossjourney  #sliquein60challenge  #debtfreegoals  #dreambig  #burningdesire  #growthmindset  #momof6  #momsohard  #laserfocus  #energybus  #motivationalquotes 
I have decided to stop contributing to the EXTRA payments to the credit card (extra snowball payments) & currently in “save mode”. In other words, my husband keeps snowballing & I start contributing ALL my income to the savings. I know, we are veering off the Dave Ramsey steps. 🤦🏻‍♀️ Here’s the thing, we really want to buy land. So our ultimate goal is to save $25,000 (rough estimate of how much the land will be, based on land we already found). I am giving myself a goal to reach the $5000 mark & see how we feel when that happens. If we feel good and want to keep saving, we will. If we decide to start putting MY income towards debt again, we will. I guess we’ll see what happens. When I see those numbers go up tho, OH MY! 🙌🏼 Thoughts??? Let your girl know! 🗣👂🏼 #debtfreecommunity #savingmoney #savingmode #buyingland #debtfreejourney #debtfree #debtfreegoals
I have decided to stop contributing to the EXTRA payments to the credit card (extra snowball payments) & currently in “save mode”. In other words, my husband keeps snowballing & I start contributing ALL my income to the savings. I know, we are veering off the Dave Ramsey steps. 🤦🏻‍♀️ Here’s the thing, we really want to buy land. So our ultimate goal is to save $25,000 (rough estimate of how much the land will be, based on land we already found). I am giving myself a goal to reach the $5000 mark & see how we feel when that happens. If we feel good and want to keep saving, we will. If we decide to start putting MY income towards debt again, we will. I guess we’ll see what happens. When I see those numbers go up tho, OH MY! 🙌🏼 Thoughts??? Let your girl know! 🗣👂🏼 #debtfreecommunity  #savingmoney  #savingmode  #buyingland  #debtfreejourney  #debtfree  #debtfreegoals 
I think blogs for sure! What about you?
I think blogs for sure! What about you?
Vacations while paying down debt? Dave would say no....🙈 For OUR family and OUR journey we say YES for many reasons. We do stick to one rule however: vacations must be cash flowed. We also don’t take a vacation every year. This year we are planning a road trip across the country to see family and we will be making a pit stop at a major theme park for two days.  What are your thoughts on a debt free journey and vacations?
Vacations while paying down debt? Dave would say no....🙈 For OUR family and OUR journey we say YES for many reasons. We do stick to one rule however: vacations must be cash flowed. We also don’t take a vacation every year. This year we are planning a road trip across the country to see family and we will be making a pit stop at a major theme park for two days. What are your thoughts on a debt free journey and vacations?
📌Tax Bill Update 
After waiting 1.5 hours to speak with someone from the IRS - I learned several things that might be helpful! 📌Look up the IRS number online, don’t rely on the printed number- could be FRAUD!
📌Call the IRS whenever you receive a letter from them BEFORE you pay. 📌IRS will never call you and demand money 🛑FRAUD: Scammers are gaining info on tax payers who may really owe money and creating extremely realistic letters (I could only identify a handful of differences) in hopes you will pay them instead of the IRS! ✅OUTCOME: The money I paid in December was truly owed, however, the IRS website sucks (go figure 😑) and it did not have accurate information. 🌈 The payment I made on 1/2 is STILL processing but the good news is MY EF IS SAFE FROM MURPHY! •
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#debtfreecommunity #debtfreegoals #debtfreejourney
📌Tax Bill Update After waiting 1.5 hours to speak with someone from the IRS - I learned several things that might be helpful! 📌Look up the IRS number online, don’t rely on the printed number- could be FRAUD! 📌Call the IRS whenever you receive a letter from them BEFORE you pay. 📌IRS will never call you and demand money 🛑FRAUD: Scammers are gaining info on tax payers who may really owe money and creating extremely realistic letters (I could only identify a handful of differences) in hopes you will pay them instead of the IRS! ✅OUTCOME: The money I paid in December was truly owed, however, the IRS website sucks (go figure 😑) and it did not have accurate information. 🌈 The payment I made on 1/2 is STILL processing but the good news is MY EF IS SAFE FROM MURPHY! • • #debtfreecommunity  #debtfreegoals  #debtfreejourney 
All of us on the #debtfreejourney have our visual cues that motivate us. 
Some fill in, or color, or rip off little paper circles (me <---). These cues are daily reminders of why we're kick'n butt! We didn't exactly accomplish our #debtfreegoals in 2017 because... well... we cashflowed a trip to Mexico instead •truth• and we started our #IVF #sinkingfunds 
What's your favorite way to keep track of debt as you eliminate?
All of us on the #debtfreejourney  have our visual cues that motivate us. Some fill in, or color, or rip off little paper circles (me <---). These cues are daily reminders of why we're kick'n butt! We didn't exactly accomplish our #debtfreegoals  in 2017 because... well... we cashflowed a trip to Mexico instead •truth• and we started our #IVF  #sinkingfunds  What's your favorite way to keep track of debt as you eliminate?
All the colours of the morning !!! Really need to get my ass into gear and get these healthy follicles - no healthy ovaries then no babies !! + paying for a gym and only been twice this year 😢 4km on the cross trainer at the gym followed by walking the puppy for 25min !! All completed and home by 7am !! Now to jump in the shower - make me some breakfast and get ready for work !!! #fitforfertility #workforit
All the colours of the morning !!! Really need to get my ass into gear and get these healthy follicles - no healthy ovaries then no babies !! + paying for a gym and only been twice this year 😢 4km on the cross trainer at the gym followed by walking the puppy for 25min !! All completed and home by 7am !! Now to jump in the shower - make me some breakfast and get ready for work !!! #fitforfertility  #workforit 
Because there is a lot of strong in this community and while I’m not happy about our current situation (see last post)I do know that we have a choice in how we handle it.
Because there is a lot of strong in this community and while I’m not happy about our current situation (see last post)I do know that we have a choice in how we handle it.
This seems to be a universal struggle. Either the grocery bill amount is over budget or people spend more money on buying food than they should. What are some ways to control this aside from meal prepping? We have some picky eaters in our family, but all advice is welcome. How do you eat healthy on a budget? #DebtFreeJourney #DebtFreeCommunity #TheJamesFamily #BabyStep2 #BudgetPriorities #DaveRamsey #Budget #Created4FinancialAbundance #Tithes #Debt #FinancialPeace #Journey2Freedom #DebtFreeBy2020 #DebtFreeBy30 #Budget #DebtSnowball #BudgetTips #BabyStepping #Created4Purpose #NoMoreSallieMae #OverDebt #debtfree #debtfreelife #debtfreegoals #YNAB #FinancialIndependence #Goals #GazelleIntense #GazelleIntensity #FinancialAbundance
This seems to be a universal struggle. Either the grocery bill amount is over budget or people spend more money on buying food than they should. What are some ways to control this aside from meal prepping? We have some picky eaters in our family, but all advice is welcome. How do you eat healthy on a budget? #DebtFreeJourney  #DebtFreeCommunity  #TheJamesFamily  #BabyStep2  #BudgetPriorities  #DaveRamsey  #Budget  #Created4FinancialAbundance  #Tithes  #Debt  #FinancialPeace  #Journey2Freedom  #DebtFreeBy2020  #DebtFreeBy30  #Budget  #DebtSnowball  #BudgetTips  #BabyStepping  #Created4Purpose  #NoMoreSallieMae  #OverDebt  #debtfree  #debtfreelife  #debtfreegoals  #YNAB  #FinancialIndependence  #Goals  #GazelleIntense  #GazelleIntensity  #FinancialAbundance 
buddies :-)
buddies :-)
I love meal planning. I used to do weekly or monthly shops but everything went in the bucket. I work shifts, so now I plan what I need for however many days I'm working, this enables me to buy everything before hand on my days off. I try and prepare as much as I can too. Soup takes no time to make and can be frozen. #mealplanning #mealprep #food #blogger #Scotland #healthy #work #savings #savingsaccount #savingsjourney #savingsgoals #instasavings #finance #debt #debtfreecommunity #debtfreegoals #ukdebtfreecommunity
I love meal planning. I used to do weekly or monthly shops but everything went in the bucket. I work shifts, so now I plan what I need for however many days I'm working, this enables me to buy everything before hand on my days off. I try and prepare as much as I can too. Soup takes no time to make and can be frozen. #mealplanning  #mealprep  #food  #blogger  #Scotland  #healthy  #work  #savings  #savingsaccount  #savingsjourney  #savingsgoals  #instasavings  #finance  #debt  #debtfreecommunity  #debtfreegoals  #ukdebtfreecommunity 
-5.50 doughnut run before school Yesterday
-5.50 doughnut run before school Yesterday
This is Panda (Maltese-Shih-Tzu)🐼He’s the closest thing to a baby that I have. He’s two years old and one out of three dogs we own. The other two are fully sponsored by their grandma (My bfs Mom) bc we inherited them and they’re truly her dogs. We took them in when they downsized their home for one without a yard or space for two dogs. Panda, however, is fully my responsibility. 🐼Pet Insurance Cost: $54.95 membership fee + $46.95 =$563.40 🐼It includes two wellness checkups a year w/ labs, dental cleaning, and I can bring him in for any issue. 🐼No Insurance: $322.70 (2017) 
It’s a $240 difference, but he hasn’t been to the vet since July and he’s not on any checkup plan. I just bring him in when he’s sick or he needs shots. I would like him in some routine wellness plan. 🧐Do ya’ll think I should wing it and pay as I go OR invest in the insurance? •
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#debtfreejourney #debtfreecommunity #debtfreegoals #dogsofinstagram #financiallyfit #financialfreedom #moneymoves
This is Panda (Maltese-Shih-Tzu)🐼He’s the closest thing to a baby that I have. He’s two years old and one out of three dogs we own. The other two are fully sponsored by their grandma (My bfs Mom) bc we inherited them and they’re truly her dogs. We took them in when they downsized their home for one without a yard or space for two dogs. Panda, however, is fully my responsibility. 🐼Pet Insurance Cost: $54.95 membership fee + $46.95 =$563.40 🐼It includes two wellness checkups a year w/ labs, dental cleaning, and I can bring him in for any issue. 🐼No Insurance: $322.70 (2017) It’s a $240 difference, but he hasn’t been to the vet since July and he’s not on any checkup plan. I just bring him in when he’s sick or he needs shots. I would like him in some routine wellness plan. 🧐Do ya’ll think I should wing it and pay as I go OR invest in the insurance? • • • • #debtfreejourney  #debtfreecommunity  #debtfreegoals  #dogsofinstagram  #financiallyfit  #financialfreedom  #moneymoves 
You know those “scrounge meals” you hate to eat at the end of the pay period when your grocery budget is all used up and you’re waiting for payday?
I’m making those meals NOW to help us survive our #nospendmonth ! We had simple ravioli (with homemade bread) last night, we are doing wild rice soup (total meh in this fam) tonight, and breakfast for dinner another night. I figure if we get all the “meh meals” out of the way it won’t seem like we are scavenging so much next week! We will be having much yummier, larger meals that will hopefully ease the pain of waiting for payday!
Any other tips for surviving a spending freeze?
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#debtfreejourney #debtfreecommunity #debtfreeliving #debtslave #debt #debtsucks #debtfreegoals #frugalliving #budget #financialfreedom #daveramsey #financialpeaceuniversity #fpu #frugalliving #budgetgoals #frugalfamily
You know those “scrounge meals” you hate to eat at the end of the pay period when your grocery budget is all used up and you’re waiting for payday? I’m making those meals NOW to help us survive our #nospendmonth  ! We had simple ravioli (with homemade bread) last night, we are doing wild rice soup (total meh in this fam) tonight, and breakfast for dinner another night. I figure if we get all the “meh meals” out of the way it won’t seem like we are scavenging so much next week! We will be having much yummier, larger meals that will hopefully ease the pain of waiting for payday! Any other tips for surviving a spending freeze? . . . . . . . . . #debtfreejourney  #debtfreecommunity  #debtfreeliving  #debtslave  #debt  #debtsucks  #debtfreegoals  #frugalliving  #budget  #financialfreedom  #daveramsey  #financialpeaceuniversity  #fpu  #frugalliving  #budgetgoals  #frugalfamily 
We have been wanting to replace a chair we’ve had, but being #debtfree has been more important than a $300 chair! Normally, I would’ve went right out & just bought a new chair, but the “weird” me started keeping an eye out for a used chair & found this for $12! You read that right! $12!! It’s in perfect shape. The guy was moving overseas & in a hurry to get rid of things. I disinfected it really well, oiled the leather, and now it’s my favorite chair to read in. #oldisnewagain
We have been wanting to replace a chair we’ve had, but being #debtfree  has been more important than a $300 chair! Normally, I would’ve went right out & just bought a new chair, but the “weird” me started keeping an eye out for a used chair & found this for $12! You read that right! $12!! It’s in perfect shape. The guy was moving overseas & in a hurry to get rid of things. I disinfected it really well, oiled the leather, and now it’s my favorite chair to read in. #oldisnewagain 
Just checked our Amazon spending history for 2017 and YIKES! Although this does include $1600 for a new computer for my husbands job and our subscribe & save for monthly essentials we will still need to cut waaaay back on our Amazon spending in 2018. 😕
Just checked our Amazon spending history for 2017 and YIKES! Although this does include $1600 for a new computer for my husbands job and our subscribe & save for monthly essentials we will still need to cut waaaay back on our Amazon spending in 2018. 😕
“Today is a brand new day. My past does not define me. My future is mine to create.” #SayitBelieveitLiveit 💕 #TodaysAffirmation 🖐🏾How many of us often define ourselves or future based on the past?
“Today is a brand new day. My past does not define me. My future is mine to create.” #SayitBelieveitLiveit  💕 #TodaysAffirmation  🖐🏾How many of us often define ourselves or future based on the past?
Working towards 11500 Shoppix points as that gives us £20 to redeem in vouchers or Paypal cash! I've discovered today that it throws up little surveys for extra points too so worth checking in each day even if you've no receipts to scan! Hoping to redeem through Amazon & use the points to get 2 £10 gift cards for Christmas gifts 🎄🎁 #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debt #debtfreeliving #financialfreedom #financiallyfree #debtfreegoals #debtfreelifestyle
Working towards 11500 Shoppix points as that gives us £20 to redeem in vouchers or Paypal cash! I've discovered today that it throws up little surveys for extra points too so worth checking in each day even if you've no receipts to scan! Hoping to redeem through Amazon & use the points to get 2 £10 gift cards for Christmas gifts 🎄🎁 #debtfreecommunity  #debtfreejourney  #debtsnowball  #debtfree  #debt  #debtfreeliving  #financialfreedom  #financiallyfree  #debtfreegoals  #debtfreelifestyle 
No spend check in. There has been so many random things cropped up in January which have resulted in me spending money. I include anything that I haven't budgeted for as a spend regardless of the cost. #nospends #money #January #goals #livelikenooneelse #debt #debrfreecommunity #debtfreegoals #savings #savingsjourney #savingsgoals #finance #financial #travel #retirement #blogger #Scotland
Need a little help tackling your finances? I've got tons of free workbooks, worksheets, and downloads to help you. Check out the FREE Less Debt, More Wine resource library. Link in profile.
Need a little help tackling your finances? I've got tons of free workbooks, worksheets, and downloads to help you. Check out the FREE Less Debt, More Wine resource library. Link in profile.
Truer words were never spoken 🙅🏼‍♀️💰💪🏻🎯👨‍👩‍👧‍👧💫💵💳🛍❤️
Truer words were never spoken 🙅🏼‍♀️💰💪🏻🎯👨‍👩‍👧‍👧💫💵💳🛍❤️
🌸Spending Mindshift🌸
Can you believe how much I have wanted to buy since the beginning of January?! Previously, I would have gone on my merry spending way. Now, every time I have thought of buying a ‘want’, I just remind myself of our debt. It’s the best way to stay on track. 💪🏻#icandothis
🌸Spending Mindshift🌸 Can you believe how much I have wanted to buy since the beginning of January?! Previously, I would have gone on my merry spending way. Now, every time I have thought of buying a ‘want’, I just remind myself of our debt. It’s the best way to stay on track. 💪🏻#icandothis 
Looks like the trip to the bank will have to wait.. Chucked it down with snow overnight, & being about as coordinated as drunk Bambi on a normal snow day, I'm not risking it whilst 38 weeks pregnant! ❄️ #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debt #debtfreeliving #financialfreedom #financiallyfree #debtfreegoals #debtfreelifestyle
💫Time to be accountable. This is my new IG to follow our family reducing debt journey 👨‍👩‍👧‍👧
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Last January we made a goal to reduce our debt 💰 as a family. Then in February 2017 my husband had a major workplace accident which meant he has been off work recovering ever since 🚑.
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He is still getting his base wage but we had to kiss his overtime pay goodbye and my dreams of paying down our debt flew out the window 🙍🏼‍♀️
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🤰We had only just discovered we were pregnant with our second daughter so I have been on maternity leave since August. .
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Despite all of this, I am determined to work as hard as I can to reduce our debt and stay on track with our 💵2018 budget. .
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🙋🏼‍♀️Wish me luck!! 💫
💫Time to be accountable. This is my new IG to follow our family reducing debt journey 👨‍👩‍👧‍👧 . . Last January we made a goal to reduce our debt 💰 as a family. Then in February 2017 my husband had a major workplace accident which meant he has been off work recovering ever since 🚑. . . . He is still getting his base wage but we had to kiss his overtime pay goodbye and my dreams of paying down our debt flew out the window 🙍🏼‍♀️ . . . . 🤰We had only just discovered we were pregnant with our second daughter so I have been on maternity leave since August. . . . Despite all of this, I am determined to work as hard as I can to reduce our debt and stay on track with our 💵2018 budget. . . . . 🙋🏼‍♀️Wish me luck!! 💫
As soon as I have some wiggle room left at the end of the month, this is one of my goals! I have a big family so birthday functions are important to me, I’ like to take a yearly vacation, I alternate one year with the kids and the following just my husband an I, Ive also been trying to upgrade my flooring from carpet to wood laminate for years 😪 so this is my New Years resolution! Hoping by March I can start putting this aside and with my work bonus catch up for loss time!!! #babysteps #daveramsey #debtfreecommunity #debtfreejourney #debtfreegoals #debtfreebefore30
As soon as I have some wiggle room left at the end of the month, this is one of my goals! I have a big family so birthday functions are important to me, I’ like to take a yearly vacation, I alternate one year with the kids and the following just my husband an I, Ive also been trying to upgrade my flooring from carpet to wood laminate for years 😪 so this is my New Years resolution! Hoping by March I can start putting this aside and with my work bonus catch up for loss time!!! #babysteps  #daveramsey  #debtfreecommunity  #debtfreejourney  #debtfreegoals  #debtfreebefore30 
I’ve been on a medical leave for about 8 months now and I will be returning to work next week! It’s bitter sweet, one good thing is that my income will be super steady every two weeks!! With disability, they would go as long as a month without paying me and it’s been a real struggle for me to plan and budget while on edd 😝 so I can’t wait to have my first full paycheck in Feb and finally buckle this dang budget down!!! My husband has also been working 7 days a week 😖 I miss him, but he is on board with our plan to be debt free by 11/2019 🤞🏾 let me tell you all, we have been hit rough this month, I’m literally negative 👎🤦🏽‍♀️ #debtfree #debtfreecommunity #debtfreegoals #debtfreebefore30 #debtfreebefore29 #debtfreementality #babysteps #debtsnowballin #debtsnowball #debtfreein2019 #debtfreeincalifornia
I’ve been on a medical leave for about 8 months now and I will be returning to work next week! It’s bitter sweet, one good thing is that my income will be super steady every two weeks!! With disability, they would go as long as a month without paying me and it’s been a real struggle for me to plan and budget while on edd 😝 so I can’t wait to have my first full paycheck in Feb and finally buckle this dang budget down!!! My husband has also been working 7 days a week 😖 I miss him, but he is on board with our plan to be debt free by 11/2019 🤞🏾 let me tell you all, we have been hit rough this month, I’m literally negative 👎🤦🏽‍♀️ #debtfree  #debtfreecommunity  #debtfreegoals  #debtfreebefore30  #debtfreebefore29  #debtfreementality  #babysteps  #debtsnowballin  #debtsnowball  #debtfreein2019  #debtfreeincalifornia 
It’s a busy time of year where brides & grooms are booking their wedding photographers 💕 statistically most become engaged from December to February hitting Christmas, New Years & Valentine’s Day. So I’ve been answering wedding package questions all week. Do you remember what month you were engaged?
It’s a busy time of year where brides & grooms are booking their wedding photographers 💕 statistically most become engaged from December to February hitting Christmas, New Years & Valentine’s Day. So I’ve been answering wedding package questions all week. Do you remember what month you were engaged?
Soon enough, though! 😝
Soon enough, though! 😝
I only read non-fiction and books on finances, business, or self development. I’d like to read a lot of John C Maxwell this year. I think I’ve read 2-3 and really enjoy his ideas. I wish Tony Robbins had newer reads but I catch him on YouTube now instead. What’s on your reading list this year?
I only read non-fiction and books on finances, business, or self development. I’d like to read a lot of John C Maxwell this year. I think I’ve read 2-3 and really enjoy his ideas. I wish Tony Robbins had newer reads but I catch him on YouTube now instead. What’s on your reading list this year?
🌸Before beginning this challenge I never would have given a second thought before buying a new bottle of shampoo or conditioner. I would go to the pharmacy for something completely unrelated, and find myself mindlessly wandering through the hair product aisle, and leaving the store having purchased a new bottle of shampoo...or two. I decided to look through my linen closet to see how many bottles of shampoo and conditioner, and this picture is the result! 😱 Ridiculous. 🤦🏼‍♀️ 🌸So the #goal here is to shop in my own closets and cupboards until ALL of the extra bottles of shampoos, soaps, cleaning products, canned goods, etc. before replacing them. This is what this #challenge is about - being #intentional about my purchases and only buying things when they are 100% #neccessary ! 🌸I challenge you to do the same! 
#minimalism #minimalist #intentionalliving #intentionallife #simplify #simplicity #simpleliving #debtfreecommunity #debtfreejourney #debtfreeliving #debtfreegoals #debtfreelife #shopwhatyougot #nospendchallenge
🌸Before beginning this challenge I never would have given a second thought before buying a new bottle of shampoo or conditioner. I would go to the pharmacy for something completely unrelated, and find myself mindlessly wandering through the hair product aisle, and leaving the store having purchased a new bottle of shampoo...or two. I decided to look through my linen closet to see how many bottles of shampoo and conditioner, and this picture is the result! 😱 Ridiculous. 🤦🏼‍♀️ 🌸So the #goal  here is to shop in my own closets and cupboards until ALL of the extra bottles of shampoos, soaps, cleaning products, canned goods, etc. before replacing them. This is what this #challenge  is about - being #intentional  about my purchases and only buying things when they are 100% #neccessary  ! 🌸I challenge you to do the same! #minimalism  #minimalist  #intentionalliving  #intentionallife  #simplify  #simplicity  #simpleliving  #debtfreecommunity  #debtfreejourney  #debtfreeliving  #debtfreegoals  #debtfreelife  #shopwhatyougot  #nospendchallenge 
It’s half way through the month and I am more than half way through my January tax goal. I’ll be happy if I can put $5k on my debt this month and I’m at over $4k right now 😁
It’s half way through the month and I am more than half way through my January tax goal. I’ll be happy if I can put $5k on my debt this month and I’m at over $4k right now 😁
Another day, another loaf. 😋🍞
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|Spending freeze update!|
So far, zero unnecessary spending for the month of January! Spent $70 for groceries to get us through *hopefully* two weeks. I imagine I’ll have to pick up some additional fresh produce before 2 weeks are up. 🤷🏼‍♀️
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#debtfreejourney #debtfreecommunity #debtfreeliving #debtslave #debt #debtsucks #debtfreegoals #frugalliving #budget #financialfreedom #daveramsey #cheapeats #homemadebread #bread
Another day, another loaf. 😋🍞 . |Spending freeze update!| So far, zero unnecessary spending for the month of January! Spent $70 for groceries to get us through *hopefully* two weeks. I imagine I’ll have to pick up some additional fresh produce before 2 weeks are up. 🤷🏼‍♀️ . . . . . . . . . #debtfreejourney  #debtfreecommunity  #debtfreeliving  #debtslave  #debt  #debtsucks  #debtfreegoals  #frugalliving  #budget  #financialfreedom  #daveramsey  #cheapeats  #homemadebread  #bread 
Whilst on my walk earlier this morning a neighbour down the street was in the process of putting stuff on the curb for hard rubbish collection.  As I was walking past I noticed these two perfectly good tubs.  I asked if I could take them and she said sure.  Upon closer inspection the only thing wrong with them was they were dusty the lids or tubs aren’t broken in any way and the barcode isn’t worn out.  I’ve seen something similar at Kmart for $10 each.  That’s $20 in my pocket and I have new containers that I need that will fit under the bed #winningalltheway #frugalfinds #moneyinmypocket #debtfreecommunity #debtfreejourney #debtfreegoals #singlemumonabudget
Whilst on my walk earlier this morning a neighbour down the street was in the process of putting stuff on the curb for hard rubbish collection. As I was walking past I noticed these two perfectly good tubs. I asked if I could take them and she said sure. Upon closer inspection the only thing wrong with them was they were dusty the lids or tubs aren’t broken in any way and the barcode isn’t worn out. I’ve seen something similar at Kmart for $10 each. That’s $20 in my pocket and I have new containers that I need that will fit under the bed #winningalltheway  #frugalfinds  #moneyinmypocket  #debtfreecommunity  #debtfreejourney  #debtfreegoals  #singlemumonabudget 
When that pay hits tomorrow night I’ll be sprinkling all that $$$ onto my debt 😂🙌 #paydayeve #moneymoneymoney
I know many of us have really changed the way we spend and are more minimalist than ever. But have any of you gone through a social media cleanse since starting your journey!? Have you gone through your Facebook or Instagram and changed who you follow, or even gotten rid of the app altogether? 📱 .
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In my case, I unfollowed a lot of people on my personal Instagram and am only following about 1/4 of the people I originally had. I’m almost thinking of getting rid of it. I also deactivated my Facebook 😳 and got rid of that app on my phone. .
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In Rachel Cruze’s book Love Your Life Not Theirs, she talks about how comparison is the thief of joy. Honestly, it’s so true. Especially when you’re a 20-something year old trying to get out of debt and you see other people posting in Facebook about their fancy vacations, weddings, houses, cars. I knew that if I kept my Facebook I would just spend useless time comparing myself to others when I could be spending my time doing something productive like working towards my debt free journey. I really didn’t want to be tempted to spend money on things I knew I didn’t have money for to impress people that aren’t worth impressing. My real friends and family know we’re on this debt free journey and are totally supportive and don’t care if we can’t do something like go to a theme park or on a spontaneous trip. They understand that we’re living like no one else for a reason. 💕Have any of you changed your social media habits since starting your debt free journey?
I know many of us have really changed the way we spend and are more minimalist than ever. But have any of you gone through a social media cleanse since starting your journey!? Have you gone through your Facebook or Instagram and changed who you follow, or even gotten rid of the app altogether? 📱 . . . In my case, I unfollowed a lot of people on my personal Instagram and am only following about 1/4 of the people I originally had. I’m almost thinking of getting rid of it. I also deactivated my Facebook 😳 and got rid of that app on my phone. . . . In Rachel Cruze’s book Love Your Life Not Theirs, she talks about how comparison is the thief of joy. Honestly, it’s so true. Especially when you’re a 20-something year old trying to get out of debt and you see other people posting in Facebook about their fancy vacations, weddings, houses, cars. I knew that if I kept my Facebook I would just spend useless time comparing myself to others when I could be spending my time doing something productive like working towards my debt free journey. I really didn’t want to be tempted to spend money on things I knew I didn’t have money for to impress people that aren’t worth impressing. My real friends and family know we’re on this debt free journey and are totally supportive and don’t care if we can’t do something like go to a theme park or on a spontaneous trip. They understand that we’re living like no one else for a reason. 💕Have any of you changed your social media habits since starting your debt free journey?
I👏🏻wholeheartedly👏🏻believe👏🏻this ...it’s like trying to spend more money to come out from under debt #noCENTS 🙅🏼‍♀️
I practice this at work, it’s an instant fix for a grumpy mcgrump pants. I combat with love and compassion bc I don’t take much personal (you don’t KNOW MY LIFE!) and almost instantly they stop that mess. #nottodaysatan •
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#debtfreegoals #debtfreejourney #debtfreecommunity #mlkday2018 #mlkday2018✌🏿✌🏾✌🏽✌🏼✌🏻🇺🇸
I👏🏻wholeheartedly👏🏻believe👏🏻this ...it’s like trying to spend more money to come out from under debt #noCENTS  🙅🏼‍♀️ I practice this at work, it’s an instant fix for a grumpy mcgrump pants. I combat with love and compassion bc I don’t take much personal (you don’t KNOW MY LIFE!) and almost instantly they stop that mess. #nottodaysatan  • • • #debtfreegoals  #debtfreejourney  #debtfreecommunity  #mlkday2018  #mlkday2018 ✌🏿✌🏾✌🏽✌🏼✌🏻🇺🇸