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Hey, y’all, heeeey! Since I get paid biweekly and was paid Friday, I’m into my budget plan for November. I actually budgeted some clothing money this time. I tried on EVERY SINGLE THING and scrutinized it, because I can’t live the stuff in my closet with tags still on it life anymore. I ask myself if I really LOVE things or if they will bring me joy (habits from the Marie Condo method). I stayed within the amount I allotted and still there’s a little guilt 😰. Anyone experience that while in BS2? Idk if it’s just harder to part with money now? πŸ’Έ
Hey, y’all, heeeey! Since I get paid biweekly and was paid Friday, I’m into my budget plan for November. I actually budgeted some clothing money this time. I tried on EVERY SINGLE THING and scrutinized it, because I can’t live the stuff in my closet with tags still on it life anymore. I ask myself if I really LOVE things or if they will bring me joy (habits from the Marie Condo method). I stayed within the amount I allotted and still there’s a little guilt 😰. Anyone experience that while in BS2? Idk if it’s just harder to part with money now? πŸ’Έ
This morning my husband "surprised" me by moving all of the money in our bank to the side saver we have for paying our loan off.
Which is good, it's a good step. But we haven't been grocery shopping, I need fuel and did I mention we haven't been grocery shopping? Setting a store cupboard challenge for meals, I'll just need to get creative and magic up some money to put fuel in my car, buy fresh fruit 🍎 bread 🍞 and eggs 🍳 #challengeaccepted #debtisdumb #debtfreejourney #debtfreecommunity #daveramsey #financialfreedom
This morning my husband "surprised" me by moving all of the money in our bank to the side saver we have for paying our loan off. Which is good, it's a good step. But we haven't been grocery shopping, I need fuel and did I mention we haven't been grocery shopping? Setting a store cupboard challenge for meals, I'll just need to get creative and magic up some money to put fuel in my car, buy fresh fruit 🍎 bread 🍞 and eggs 🍳 #challengeaccepted  #debtisdumb  #debtfreejourney  #debtfreecommunity  #daveramsey  #financialfreedom 
$621.38
This is my minimum debt payments every month. Not all of my bills but minimum payments just for my debt. πŸ˜’ Not today Satan!

#debt #debtfree #debtfreecommunity #debtfreejourney #debtsnowball #debtfreedom #debtfreelife #debtfreegoals #debtfreeisthenewsexy #debtfreeliving #debtslave #debtsucks #debtpayoff #daveramsey #daveramseybabysteps #cashisking  #debtisdumb
So this is our current situation. Trying to pay off our 2008 Lexus ES350 as soon as possible and start contributing more to mortgage. This picture does not show our $19,000 outstanding lease payment for our 2017 Porsche Cayman S. The reason as to why is because the interest is already included in $19k and paying it off earlier does not help to reduce it. It is so to speak locked in the monthly price, which is $800 a month.
So this is our current situation. Trying to pay off our 2008 Lexus ES350 as soon as possible and start contributing more to mortgage. This picture does not show our $19,000 outstanding lease payment for our 2017 Porsche Cayman S. The reason as to why is because the interest is already included in $19k and paying it off earlier does not help to reduce it. It is so to speak locked in the monthly price, which is $800 a month.
It was Grammys birthday! we treated her to "red lobster" in our home for a 1/3 of the price. #debtfreecommunity #debtfree #debtfreejourney #savemoney #homecooked #nomnomnom
Geez. I was just looking at my phone calendar and saw that pretty much ALL of our annual bills and insurances are due in the second half of the year! At least one per month from June / July. Just need to get through the next couple months, bring on the first half of next year! Though I shouldn’t wish time away. So let’s just say once January is here, it shall be a little more financially pleasant πŸ˜πŸŒˆπŸ™ŒπŸ€¦β€β™€οΈπŸ’Έ #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #billsbillsbills
Geez. I was just looking at my phone calendar and saw that pretty much ALL of our annual bills and insurances are due in the second half of the year! At least one per month from June / July. Just need to get through the next couple months, bring on the first half of next year! Though I shouldn’t wish time away. So let’s just say once January is here, it shall be a little more financially pleasant πŸ˜πŸŒˆπŸ™ŒπŸ€¦β€β™€οΈπŸ’Έ #debtfreecommunity  #debtfreejourney  #debtfreeaf  #debtisdumb  #budgetlife  #billsbillsbills 
As I get paid monthly I work out my budget in weeks.
I have week 1 - 4. Week 1 and Week 4 may have a couple of extra days added to them depeding on the days of the month.
Tomorrow (Monday) will be the start of Week 2 and I am going to try my first ever NO SPEND WEEK!
I went to the shop this morning and grabbed a couple of extra items to get us though the week.
I made a large spaghetti bolognese this morning which we will have for dinner tonight and tomorrow night, and I have another 8 serves in the freezer which I will pull out once or twice a week over the next few weeks.
I am also back to work tomorrow after 5 weeks off! :( #debtfreecommunity #debt #debtfreejourney #debtslave #debtfreeliving #frugal #frugalliving #frugallife #organised #money #debtfreegoals #financialfreedom #financialgoals #budget #budgeting #debtfreelife
As I get paid monthly I work out my budget in weeks. I have week 1 - 4. Week 1 and Week 4 may have a couple of extra days added to them depeding on the days of the month. Tomorrow (Monday) will be the start of Week 2 and I am going to try my first ever NO SPEND WEEK! I went to the shop this morning and grabbed a couple of extra items to get us though the week. I made a large spaghetti bolognese this morning which we will have for dinner tonight and tomorrow night, and I have another 8 serves in the freezer which I will pull out once or twice a week over the next few weeks. I am also back to work tomorrow after 5 weeks off! :( #debtfreecommunity  #debt  #debtfreejourney  #debtslave  #debtfreeliving  #frugal  #frugalliving  #frugallife  #organised  #money  #debtfreegoals  #financialfreedom  #financialgoals  #budget  #budgeting  #debtfreelife 
(β¬…β¬… Swipe) Coupons and sales are MARKETING that entice you to buy, not charitable acts of kindness. Also, consider the brands of consumables that generally offer coupons and look at their ingredient list. Sure, it would be silly to avoid saving money on something you need or intend to buy... but limit your exposure to these ads by unsubscribing from mailing lists. You'll get out of debt / build wealth faster by focusing your efforts on increasing your income, not by saving big on your household's toiletries. πŸ€‘πŸ€“πŸ’πŸ“š #minimalism #classisinsession #themoreyouknow #buyresponsibly #buywithintention
(β¬…β¬… Swipe) Coupons and sales are MARKETING that entice you to buy, not charitable acts of kindness. Also, consider the brands of consumables that generally offer coupons and look at their ingredient list. Sure, it would be silly to avoid saving money on something you need or intend to buy... but limit your exposure to these ads by unsubscribing from mailing lists. You'll get out of debt / build wealth faster by focusing your efforts on increasing your income, not by saving big on your household's toiletries. πŸ€‘πŸ€“πŸ’πŸ“š #minimalism  #classisinsession  #themoreyouknow  #buyresponsibly  #buywithintention 
Tupelo’s Strategy Session!!! #myEcon #IncomeShifting #debtfreejourney
$724.81 down the drain basically! I'm actually so angry at myself. I changed to red energy as I thought it was going to be a better deal and lower in price for bills. But it's the complete opposite! This is the highest my bills have been in so long. I've changed back to simply energy (never should have left them), and have been able to pay ahead with bills (like I did before changing companies). Red energy for me is awful and not ideal. I hate how you can't see if you're in advance in bills or direct debit them BEFORE you get your first bill. #lessonlearnt β€’
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#ItsGotToGo #babystep #babystepone #babystep1 #daveramsey #debtsucks #debtfreejourney #debtfreecommunity #budgetmum #savingourfuture #debtbegone #bosslady #debtisdumb #StartSmall #BabyStepTwo #BabyStep2
$724.81 down the drain basically! I'm actually so angry at myself. I changed to red energy as I thought it was going to be a better deal and lower in price for bills. But it's the complete opposite! This is the highest my bills have been in so long. I've changed back to simply energy (never should have left them), and have been able to pay ahead with bills (like I did before changing companies). Red energy for me is awful and not ideal. I hate how you can't see if you're in advance in bills or direct debit them BEFORE you get your first bill. #lessonlearnt  β€’ - - - - - - - - - - - - - - #ItsGotToGo  #babystep  #babystepone  #babystep1  #daveramsey  #debtsucks  #debtfreejourney  #debtfreecommunity  #budgetmum  #savingourfuture  #debtbegone  #bosslady  #debtisdumb  #StartSmall  #BabyStepTwo  #BabyStep2 
I meant to post this yesterday...but we also spent today, it was on my husbands planned haircut so I don't know if that really counts but we are actually doing pretty darn good this month! #debtfreejourney #savemoney #totalmoneymakeover #daveramsey #budget #budgeting #frugal #babysteps #financialfreedom #financialpeace #fpu #debtsnowball #debt #frugalliving
When you eat #healthy by accident because it's a #CheapMeal. Co-workers like, "Laila, you're so healthy." Errrrr....nah playa I'm just trynna drop this debt, homie." πŸ‘€πŸ˜‚
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#RealTalk #DebtFreeJourney #DebtFreeCommunity #DebtFree #debtfreesweetie #debtfreeme #CheapMeals #Frugal #healthymeals #DaveRamsey #BabyStep2 #keepit100 #FlatOut
My boyfriend loves these kale chips from Trader Joe's that cost $3.99 for a tiny bag. I decided to make him some instead. For 99 cents, I was able to make 2 batches of healthy organic kale chips! #kalechips #homemade #debtfreelife #debtfreejourney #debtfreecommunity #ihatedebt #frugalliving #livesmart #debtfreegoals #daveramsey #debtfree2019 #debtsnowball #budget #healthysnacks #financialfreedom #motivation #goals #moneysaving
Get to work.
Get to work.
Always remember.
Always remember.
We had so much fun while Molly was in town from Minnesota, but this about sums up how we feel right now 😴 The Saturday night turn up is for real πŸ‘΅πŸ»πŸΆπŸŽ‰
We had so much fun while Molly was in town from Minnesota, but this about sums up how we feel right now 😴 The Saturday night turn up is for real πŸ‘΅πŸ»πŸΆπŸŽ‰
Sooooo ready to be done with a dirt backyard !! Still have more $$$ to put into it 😩 so yet again paused our #debtsnowball for two months but if we have a mortgage payment we would like to use our whole house including the yard. Last year we did our front yard so now the back. My husband is so amazing don't know how he (or his back) does it. Here are some before and after pictures.  Hoping the backyard has grass in a couple weeks πŸ™πŸ»πŸŒ±πŸŒ±#dontjudge  #dreamtogether
Sooooo ready to be done with a dirt backyard !! Still have more $$$ to put into it 😩 so yet again paused our #debtsnowball  for two months but if we have a mortgage payment we would like to use our whole house including the yard. Last year we did our front yard so now the back. My husband is so amazing don't know how he (or his back) does it. Here are some before and after pictures. Hoping the backyard has grass in a couple weeks πŸ™πŸ»πŸŒ±πŸŒ±#dontjudge  #dreamtogether 
Accurate...minus the multi-vitamin....I’m laying in bed watching 48 Hours as I post this on a Saturday night...definitely Rockstar status! πŸ˜‹
Accurate...minus the multi-vitamin....I’m laying in bed watching 48 Hours as I post this on a Saturday night...definitely Rockstar status! πŸ˜‹
Kids were bugging me for take - away. Went and bought our own fish and chips (and sauce) and 4 of us were happy with it. Now the younger two are eating cucumbers, sweet chilli and Tuna as they are starving kiddies after our morning at the river. This would have easily cost around -$10 each if we went to the fish and chip shop. Instead a whopping 3.25. Not going to completely cut out our β€œtreats” but I’m thinking once a month We can go either out for dinner or have a yummy lunch by the ocean. #gonebarefoot #barefootinvestor #debtfreejourney #savingwhereican #sundaylunches
Kids were bugging me for take - away. Went and bought our own fish and chips (and sauce) and 4 of us were happy with it. Now the younger two are eating cucumbers, sweet chilli and Tuna as they are starving kiddies after our morning at the river. This would have easily cost around -$10 each if we went to the fish and chip shop. Instead a whopping 3.25. Not going to completely cut out our β€œtreats” but I’m thinking once a month We can go either out for dinner or have a yummy lunch by the ocean. #gonebarefoot  #barefootinvestor  #debtfreejourney  #savingwhereican  #sundaylunches 
Try, try, try again! It doesn’t matter if you fall down seven times on this debt free journey, just make sure you pick yourself up eight!
Try, try, try again! It doesn’t matter if you fall down seven times on this debt free journey, just make sure you pick yourself up eight!
Catching up on the Jane the Virgin on my #debtfreejourney and I couldn’t help but cringe at this part πŸ˜‚πŸ˜‚. NO Jane, go back and readjust your budget please.
Catching up on the Jane the Virgin on my #debtfreejourney  and I couldn’t help but cringe at this part πŸ˜‚πŸ˜‚. NO Jane, go back and readjust your budget please.
More #frugal Halloween costume ideas πŸ’‘ Did you know that if you shop a couple of weeks before Halloween You can find costumes for 40% off?  You can also shop at the local goodwill stores and find costumes.  I found the frog 🐸 costume for $3 and the skeleton for $4 #winning #budget #budgeting #budgetplanner #budgetingtips #frugal #frugal #frugallife #debtfreecommunity #debtfree #debtfreejourney #halloweencostume #cheaphalloweencostume
Robots in disguise.
Robots in disguise.
Budget success moment!!!! Check my story for more details! #debtfreejourney #debtfreecommunity
The common denominator of success lies on the fact that the successful people formed habits of doing things that failures don't like to do. You can hold that statement up to a light, you can put it to the acid test, and you can kick it around until it's worn out, but when it is all said and done, it still will be the common denominator to success! It's time to think outside the box and aim for success! www.myfinancialvision.com
The common denominator of success lies on the fact that the successful people formed habits of doing things that failures don't like to do. You can hold that statement up to a light, you can put it to the acid test, and you can kick it around until it's worn out, but when it is all said and done, it still will be the common denominator to success! It's time to think outside the box and aim for success! www.myfinancialvision.com
A little at a time goes a long way I can't wait for my glow up where everything is where I want it to be and  I'm not losing my mind trying to get there. With much excitement I think it's time I share my goals for my mini mental transformation.
Goals:
1. Pay off credit debt in 8 months
2. Exercise 3 times a week
3. Do one home improvement project every month
4. Use social media to document this scary awesome journey .
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#debtfreecommunity #debtfreejourney #debtfree #fedup #webrokeup #breakup #brokeupwithdebt #daveramseybabysteps #daveramsey #worryfree #notinthebudget #blog #money #proudmoment #creativityfound #frugal #thrifty #igotthis #goals #Millennials #hustle #hustleharder #babystep2 #babysteps #quotes #motivationalquotes #motivation
A little at a time goes a long way I can't wait for my glow up where everything is where I want it to be and I'm not losing my mind trying to get there. With much excitement I think it's time I share my goals for my mini mental transformation. Goals: 1. Pay off credit debt in 8 months 2. Exercise 3 times a week 3. Do one home improvement project every month 4. Use social media to document this scary awesome journey . . . #debtfreecommunity  #debtfreejourney  #debtfree  #fedup  #webrokeup  #breakup  #brokeupwithdebt  #daveramseybabysteps  #daveramsey  #worryfree  #notinthebudget  #blog  #money  #proudmoment  #creativityfound  #frugal  #thrifty  #igotthis  #goals  #Millennials  #hustle  #hustleharder  #babystep2  #babysteps  #quotes  #motivationalquotes  #motivation 
Busy Sunday morning in the kitchen! Two batches of pancake mix, visitors for breaky! Batch of lemon butter, then whipped up this zucchini slice using chives and ham instead of onion and bacon! Now I'm off to work πŸ™„
Busy Sunday morning in the kitchen! Two batches of pancake mix, visitors for breaky! Batch of lemon butter, then whipped up this zucchini slice using chives and ham instead of onion and bacon! Now I'm off to work πŸ™„
Prices include tip. I only paid for the dermaplaning, my boyfriend was kind enough to pay for everything else. I budgeted $300 for it so I paid for a pricey dinner that night and still have some left.
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I feel good about the treatments I got and am glad I did it. I plan on getting a mani and pedi once a month when my bf gets his haircuts. I also got some nail colors I like from the local nail supply store to paint my own nails in between salon trips. Thanks to the because for getting them for me.
Prices include tip. I only paid for the dermaplaning, my boyfriend was kind enough to pay for everything else. I budgeted $300 for it so I paid for a pricey dinner that night and still have some left. β€’ β€’ β€’ I feel good about the treatments I got and am glad I did it. I plan on getting a mani and pedi once a month when my bf gets his haircuts. I also got some nail colors I like from the local nail supply store to paint my own nails in between salon trips. Thanks to the because for getting them for me.
Alright, so what Im about to say may cause outrage from all the true Dave Ramsey followers, but I want to take all 4 of my kids, and myself of course to NYC next summer. The good news? It will be a cash only vacation. The bad news? Estimating about $9000 for flight, hotel, food, tickets to things we want to do/see, etc. I would love to be debt free before I go. However, covering my debt and my vacation and my regular day to day....this may or may not be a possibility. 8 months away. I guess that means I will have to stay on top of the budget and tighten it to the beans and rice diet in all catagories. I know I can be doing more right now, and this is my new motivation! Let the coutdown ..... BEGIN!
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 #debtfreejourney #debtfreecommunity #debtfree #budget #budgeting #money #singlemom #singlemommoney
Alright, so what Im about to say may cause outrage from all the true Dave Ramsey followers, but I want to take all 4 of my kids, and myself of course to NYC next summer. The good news? It will be a cash only vacation. The bad news? Estimating about $9000 for flight, hotel, food, tickets to things we want to do/see, etc. I would love to be debt free before I go. However, covering my debt and my vacation and my regular day to day....this may or may not be a possibility. 8 months away. I guess that means I will have to stay on top of the budget and tighten it to the beans and rice diet in all catagories. I know I can be doing more right now, and this is my new motivation! Let the coutdown ..... BEGIN! . . . . . #debtfreejourney  #debtfreecommunity  #debtfree  #budget  #budgeting  #money  #singlemom  #singlemommoney 
I'm getting a bonus in Dec and Tax Refund in Feb. Those are usually gone before they clear the bank... and they will be again, but only towards these first few priorities. 
Not *quite* Dave's Baby Steps but he would say relationships/family first. Gotta get this immigration stuff started so FH and I can finally start our life together!

#goalsetting #debtfreejourney #totallydebtfreedreaming #financialpriorities #babysteps #taxrefund #bonus #daveramsey
Ahh wishing I was back on our cruise celebrating being debt free, but alas... it’s officially fall in Portland and the rain is NON STOP!! So I’ll sit here in our house and wait until May to see the sun again. 😭
Ahh wishing I was back on our cruise celebrating being debt free, but alas... it’s officially fall in Portland and the rain is NON STOP!! So I’ll sit here in our house and wait until May to see the sun again. 😭
Oh, that’s just opportunity callin πŸ’πŸΎ
(i need new pics 😩)
πŸ“Έ : @priscillamariephotos
Oh, that’s just opportunity callin πŸ’πŸΎ (i need new pics 😩) πŸ“Έ : @priscillamariephotos
I could kiss him all day. ❀❀
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So I let Autumn whoop my booty while Charles took a little power nap, all so I could go and drink 4 beers and eat food I probably shouldn't have,  Stockholm Mountain is good Glen, thank you.
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No guilt in this girl.  I work hard and I like to play hard when Charles comes home.  We only get 40 days  a year.  Have to jam as much in as we can.
#ItsNotForever #Sept2019
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.#MomLife❀ #WifeWin #DogMomForLife #ILoveMyPup #BoyMomAdventures #GirlMom #Fibromyalgiawarrior #NaturalLiving #AnxietyDisorder #DebtFreeJourney #Organizers #CraftyMom #EndometriosisWarrior #AutismLife  #VeteranSupport #GotYour6 #RuralLiving #MentalHealthWarrior #GoArmy #CookingMama #MigraineWarrior #AnexoriaWarrior
I could kiss him all day. ❀❀ . So I let Autumn whoop my booty while Charles took a little power nap, all so I could go and drink 4 beers and eat food I probably shouldn't have, Stockholm Mountain is good Glen, thank you. . No guilt in this girl. I work hard and I like to play hard when Charles comes home. We only get 40 days a year. Have to jam as much in as we can. #ItsNotForever  #Sept2019  . . . . . . . . . . . . .#MomLife β€ #WifeWin  #DogMomForLife  #ILoveMyPup  #BoyMomAdventures  #GirlMom  #Fibromyalgiawarrior  #NaturalLiving  #AnxietyDisorder  #DebtFreeJourney  #Organizers  #CraftyMom  #EndometriosisWarrior  #AutismLife Β  #VeteranSupport  #GotYour6  #RuralLiving  #MentalHealthWarrior  #GoArmy  #CookingMama  #MigraineWarrior  #AnexoriaWarrior 
B A B Y  S T E P  #1  C O M P L E T E D ! βœ… (October 3rd, 2017!) So it's a little bit of a delayed post but we've had so much going on lately. I knew we'd completed it but for some reason it didn't register with me until today. πŸ˜‚ Anyway, onto baby step #2! Has anyone upped their emergency fund whilst in baby step two? I just don't feel like $1000 is enough with 2.5 tiny humans. 😣 I'd like it at least at $5000 eventually (so $1000 per person in the household). But I'd like to focus on a small amount each week until it's there while still in baby step two?
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#ItsGotToGo #babystep #babystepone #babystep1 #daveramsey #debtsucks #debtfreejourney #debtfreecommunity #budgetmum #savingourfuture #debtbegone #bosslady #debtisdumb #StartSmall #BabyStepTwo #BabyStep2
B A B Y S T E P #1  C O M P L E T E D ! βœ… (October 3rd, 2017!) So it's a little bit of a delayed post but we've had so much going on lately. I knew we'd completed it but for some reason it didn't register with me until today. πŸ˜‚ Anyway, onto baby step #2 ! Has anyone upped their emergency fund whilst in baby step two? I just don't feel like $1000 is enough with 2.5 tiny humans. 😣 I'd like it at least at $5000 eventually (so $1000 per person in the household). But I'd like to focus on a small amount each week until it's there while still in baby step two? β€’ - - - - - - - - - - - - - - #ItsGotToGo  #babystep  #babystepone  #babystep1  #daveramsey  #debtsucks  #debtfreejourney  #debtfreecommunity  #budgetmum  #savingourfuture  #debtbegone  #bosslady  #debtisdumb  #StartSmall  #BabyStepTwo  #BabyStep2 
You actually have to DO something about to reach debt-freedom :) Check our the blog for tips and free printables on how to pay off debt with the #debtsnowball method and the #debtavalanche method.
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FundingCloudNine.com is a personal finance blog that can help YOU improve your financial situation. We discuss a range of money topics - getting rid of debt, budgeting, saving for retirement, frugal living...there is truly something for everyone on the #blog :)
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#debtfreecommunity #payingoffdebt #personalfinanceblog #debtfree #financialfreedom #debtfreejourney #debtsucks #debtslave #debtfreeisthewaytobe #debthelp #debtmanagement #debtelimination #debtlife #moneygoals #personalfinanceforwomen #debtslayer #financeblogger #financialsuccess #debtpayoff #moneyquotes
You actually have to DO something about to reach debt-freedom :) Check our the blog for tips and free printables on how to pay off debt with the #debtsnowball  method and the #debtavalanche  method. * * FundingCloudNine.com is a personal finance blog that can help YOU improve your financial situation. We discuss a range of money topics - getting rid of debt, budgeting, saving for retirement, frugal living...there is truly something for everyone on the #blog  :) * * #debtfreecommunity  #payingoffdebt  #personalfinanceblog  #debtfree  #financialfreedom  #debtfreejourney  #debtsucks  #debtslave  #debtfreeisthewaytobe  #debthelp  #debtmanagement  #debtelimination  #debtlife  #moneygoals  #personalfinanceforwomen  #debtslayer  #financeblogger  #financialsuccess  #debtpayoff  #moneyquotes 
Currently setting goals & trying our hardest to crush them! We're currently in a place where our journey could change very, very soon but our end goal is still the same (to be debt free). β€’
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#ItsGotToGo #babystep #babystepone #babystep1 #daveramsey #debtsucks #debtfreejourney #debtfreecommunity #budgetmum #savingourfuture #debtbegone #bosslady #debtisdumb #StartSmall #BabyStepTwo #BabyStep2
Custom order for a set of 8 envelopes with double pocket is being shipped to a customer overseas.
Did you know I accept custom orders?
What can I make for you?
Visit my Etsy shop Marketsofsunshine to get started.
Click link in bio.
Custom order for a set of 8 envelopes with double pocket is being shipped to a customer overseas. Did you know I accept custom orders? What can I make for you? Visit my Etsy shop Marketsofsunshine to get started. Click link in bio.
πŸ˜‚πŸ˜‚πŸ˜‚ gotta squeeze every penny out of it!
πŸ˜‚πŸ˜‚πŸ˜‚ gotta squeeze every penny out of it!
When he supports your debt-free journey and you come home to him making lasagna with a glass of wine πŸ·πŸ™ŒπŸΎβ€οΈ! Happy Saturday, debt-free fam!
When he supports your debt-free journey and you come home to him making lasagna with a glass of wine πŸ·πŸ™ŒπŸΎβ€οΈ! Happy Saturday, debt-free fam!
Started using the Debt Snowball Calculator creates by @easy_budget and I love it! I love so much that it adjusts based on what I put into it and can see my expected Debt Free date.
Started using the Debt Snowball Calculator creates by @easy_budget and I love it! I love so much that it adjusts based on what I put into it and can see my expected Debt Free date.
Creating a separate savings account and automatically contributing to it monthly, helps you πŸ‘€ SEE progress towards your goal 🚘  and you’ll feel inclined to skip a fleeting treat (like β˜• or 🍦)
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πŸ‘‰ Follow @debtfree_millennials for inspirational money quotes to live a financially free life.
Creating a separate savings account and automatically contributing to it monthly, helps you πŸ‘€ SEE progress towards your goal 🚘 and you’ll feel inclined to skip a fleeting treat (like β˜• or 🍦) .. πŸ‘‰ Follow @debtfree_millennials for inspirational money quotes to live a financially free life.
Take me to my happy place. This place seriously grounds me ❀️ where is your happy place ? #gonebarefoot #debtfreejourney #barefootinvestor #debtfreecommunity #sunshinecoast #maroochydoreriver
One way I stay on track with #budgeting is #mealprep #salad is my go to lunch and I add some protein to it (usually grilled chicken, tuna or egg salad) this time, I added #oranges #greekyogurt and #mixednuts This way, I have four lunches ready to go for the week and will not be tempted to buy lunch!  What are your go to meals? #debtfreejourney #debtfree #debtfreecommunity #cleaneating
This is my current debt owing.
Consisting of a car loan, 2 smaller personal loans and 1 furniture rental/rent to buy loan.
This biggest chunk of this is my car loan of $8000. I am aiming to have this paid off by Sept 2018 as the repayments are $400 a month.
Ever since I was able to get money on credit I have been in a mess.
At the age of 23 I had to enter a part 9 debt agreement as I was swamped in $17k worth of debt.
I obviously didn't get any better with my money after that.
Finally I am in the right frame of mind to tackle this and really want to be debt free and live a life where I am not stressing about money every single day.

#debtfreecommunity #debt #debtfreejourney #debtslave #debtfreeliving #frugal #frugalliving #frugallife #organised #money #debtfreegoals #financialfreedom #financialgoals #budget #budgeting #debtfreelife
This is my current debt owing. Consisting of a car loan, 2 smaller personal loans and 1 furniture rental/rent to buy loan. This biggest chunk of this is my car loan of $8000. I am aiming to have this paid off by Sept 2018 as the repayments are $400 a month. Ever since I was able to get money on credit I have been in a mess. At the age of 23 I had to enter a part 9 debt agreement as I was swamped in $17k worth of debt. I obviously didn't get any better with my money after that. Finally I am in the right frame of mind to tackle this and really want to be debt free and live a life where I am not stressing about money every single day. #debtfreecommunity  #debt  #debtfreejourney  #debtslave  #debtfreeliving  #frugal  #frugalliving  #frugallife  #organised  #money  #debtfreegoals  #financialfreedom  #financialgoals  #budget  #budgeting  #debtfreelife 
Must get better at visualising the future. Because the future is bright β˜€οΈ #debtfree
Must get better at visualising the future. Because the future is bright β˜€οΈ #debtfree 
To my fellow Aussie chicks - I’m looking to start buying quality pieces of clothing. Normally I’m Kmart / Target but I want to slowly start building up quality pieces that will obviously cost more but will last. Can I please get recommendations as to where I can buy great quality clothes that will last the distance πŸ™ EDIT: I have decided to budget $50 per week between now and Christmas which should build up to around $500 so I can shop the post-xmas sales to get more for my money. I don’t want to dip into my new sinking fund that covers clothing just yet as I’d like to build it up a bit first 😊 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife
To my fellow Aussie chicks - I’m looking to start buying quality pieces of clothing. Normally I’m Kmart / Target but I want to slowly start building up quality pieces that will obviously cost more but will last. Can I please get recommendations as to where I can buy great quality clothes that will last the distance πŸ™ EDIT: I have decided to budget $50 per week between now and Christmas which should build up to around $500 so I can shop the post-xmas sales to get more for my money. I don’t want to dip into my new sinking fund that covers clothing just yet as I’d like to build it up a bit first 😊 #debtfreecommunity  #debtfreejourney  #debtfreeaf  #debtisdumb  #budgetlife 
In my latest Youtube video i'm sharing my October debt + life updates. This month I was inspired by the members of my Young Yet Wise Society they inspire me to push towards my goals. Can't believe I'm almost debt free ahhhhh lolΒ  Click the link in my bio to watch.
In my latest Youtube video i'm sharing my October debt + life updates. This month I was inspired by the members of my Young Yet Wise Society they inspire me to push towards my goals. Can't believe I'm almost debt free ahhhhh lolΒ  Click the link in my bio to watch.
Moved my left over cash from the money clips to their designated envelopes as funds now 😁 I think this system will work best for me from now on! Wohooo! I also only used my debit card except for planned expenses. #debtfreecommunity #cashsystem #cashmeoutsidehowboutdat #debtfreejourney #debtfreeisthenewsexy #debtsnowball #foodanddinningmoneywasgone
This is how much (I'm embarrassed to admit) that I am throwing away on #interest I added this to my first step of adding up ALLL my #debts and it was like a punch in the face. How did I allow it to get this bad? I could do SO much with that extra money! It's giving me the #motivation to get #debtfree as soon as possible! #debtfreejourney #debtfreecommunity #creditcarddebt #compoundinginterest #banksareevil
"I'll never get out of debt." "I don't make enough money to have a budget."
"I'm not dedicated enough to take control of my finances." These are statements you should never make.  It's okay to admit to your faults with money, however, it is not okay to constantly put out negative energy surrounding your financial situation. 
Speak positively about your finances and you will start to believe your words, then the appropriate actions will follow.
"I'll never get out of debt." "I don't make enough money to have a budget." "I'm not dedicated enough to take control of my finances." These are statements you should never make. It's okay to admit to your faults with money, however, it is not okay to constantly put out negative energy surrounding your financial situation. Speak positively about your finances and you will start to believe your words, then the appropriate actions will follow.
No mean judgments please; but 
Rant Time: I’ve never received any pell grants, financial aid, waivers etc. EVER!
I got married and have always worked full time alongside my husband who is active duty Marine. 
Our incomes combined = YOU ONLY QUALIFY FOR STUDENT LOANS πŸ™„
I am getting ready to transfer to a CSU (cheaper option for a bachelors) and will have to CASH FLOW all of it unless I get some academic scholarships (I have a fantastic GPA) but other than that. 
I will set up a sinking fund to start now! 
NO I WILL NOT BE USING MY HUSBANDS GI bill. We are saving that for children. .
Just sucks that I work so hard, work my butt off in work and school and no help. :( .
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#debtfreedom #daveramsey #debtfreejourney #debtfree #financialfreedom #financialpeaceuniversity #financialpeace #debt #moneyhungry #buildingwealth #money #daveramseywouldbeproud #babysteps #moneymaker #inspire #fpu #cashking #cashqueen #debtsucks #debtgone #rich #debtfreecommunity #frugal #cashisking #moneymaker #community #support
No mean judgments please; but Rant Time: I’ve never received any pell grants, financial aid, waivers etc. EVER! I got married and have always worked full time alongside my husband who is active duty Marine. Our incomes combined = YOU ONLY QUALIFY FOR STUDENT LOANS πŸ™„ I am getting ready to transfer to a CSU (cheaper option for a bachelors) and will have to CASH FLOW all of it unless I get some academic scholarships (I have a fantastic GPA) but other than that. I will set up a sinking fund to start now! NO I WILL NOT BE USING MY HUSBANDS GI bill. We are saving that for children. . Just sucks that I work so hard, work my butt off in work and school and no help. :( . . . . #debtfreedom  #daveramsey  #debtfreejourney  #debtfree  #financialfreedom  #financialpeaceuniversity  #financialpeace  #debt  #moneyhungry  #buildingwealth  #money  #daveramseywouldbeproud  #babysteps  #moneymaker  #inspire  #fpu  #cashking  #cashqueen  #debtsucks  #debtgone  #rich  #debtfreecommunity  #frugal  #cashisking  #moneymaker  #community  #support 
Little by little right?  Today Justin got some unclaimed money. Couple weeks we got one that was for $200 something. Google unclaimed money and see if you have any. We payed it straight to our smallest debt #debtfreejourney 
#debtfreecommunity #evictsalliemae #debtsnowball
15 credit cards shredded and gone. Whyyy do I have so many?!?!? I also cancelled my Stitch fix and Amazon prime memberships. The prime one hurt a bit...but it's TOOOO tempting for me.
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#livelikenooneelse #debt #debtfreedom #debtsnowball #debtfreejourney #debtfree #debtfreecommunity #debtfreeisthenewsexy #payoffdebt #payingoffdebt #getoutofdebt #babysteps #babystep2 #totalmoneymakeover #daveramsey #gazellelikeintensity #financialpeace #financialfreedom #financialpeaceuniversity #thetotalmoneymakeover #budget #ladypreneur #buildingmybrand #workfromanywhere #successmindset #extramoney #workingmom #bosschick
15 credit cards shredded and gone. Whyyy do I have so many?!?!? I also cancelled my Stitch fix and Amazon prime memberships. The prime one hurt a bit...but it's TOOOO tempting for me. -------------------------------------------------- #livelikenooneelse  #debt  #debtfreedom  #debtsnowball  #debtfreejourney  #debtfree  #debtfreecommunity  #debtfreeisthenewsexy  #payoffdebt  #payingoffdebt  #getoutofdebt  #babysteps  #babystep2  #totalmoneymakeover  #daveramsey  #gazellelikeintensity  #financialpeace  #financialfreedom  #financialpeaceuniversity  #thetotalmoneymakeover  #budget  #ladypreneur  #buildingmybrand  #workfromanywhere  #successmindset  #extramoney  #workingmom  #bosschick 
At the beginning of the month, I owed $447 towards my cell phone. I paid a total of $175 dollars this month. I know some of you may be thinking, β€œWhy are you paying off your phone, there’s literally no interest and it doesn’t effect your credit?” Well the reason is it makes my cellphone bill an extra $30 a month. That is $30 I can be putting towards a debt. So I know in the long run I better off paying this phone off. (I also will call this my debt phone l, b/c I’ll be rocking with this one until my debt is paid off or until it dies on me) .
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#debtfree #debt #debtfreedom #debtfreecommunity #debtsnowball #debtsucks #debtfreejourney #babystep2 #daveramsey #daveramseybabysteps
At the beginning of the month, I owed $447 towards my cell phone. I paid a total of $175 dollars this month. I know some of you may be thinking, β€œWhy are you paying off your phone, there’s literally no interest and it doesn’t effect your credit?” Well the reason is it makes my cellphone bill an extra $30 a month. That is $30 I can be putting towards a debt. So I know in the long run I better off paying this phone off. (I also will call this my debt phone l, b/c I’ll be rocking with this one until my debt is paid off or until it dies on me) . . #debtfree  #debt  #debtfreedom  #debtfreecommunity  #debtsnowball  #debtsucks  #debtfreejourney  #babystep2  #daveramsey  #daveramseybabysteps 
Don't compare your beginning to somebody's middle or end. We will all get there! #llnoe #debtfreecommunity #debtfreejourney #gazelleintense
#frugal and #healthy meal!!! Rice with frozen @traderjoes Asian medley! And some chicken or shrimp and you have a full healthy meal!!! I ❀️eating healthy on a budget! #debtfreecommunity #debtfreejourney #debtsnowball #daveramseybabysteps #daveramsey #healthyeating #healthyeatingonabudget #noexcuses
Stay away from the comment threads of 99% of the inter webs πŸ˜‚ but not in the debt free community! Comment threads here are awesome! (PS See my previous post for a sale on our debt snowball calculator)
Stay away from the comment threads of 99% of the inter webs πŸ˜‚ but not in the debt free community! Comment threads here are awesome! (PS See my previous post for a sale on our debt snowball calculator)
Throwback to my very first LipSense color nine months ago!πŸ’πŸ»πŸ˜ I had never even worn lipstick and signed up for the discount before I ever tried itπŸ’„πŸ˜³πŸ˜¬ I threw away all my chapstick and gloss and never looked backπŸ˜±πŸ™ˆ Now this magic makeup pays my bills πŸ’΅ and is helping keep us out of debt while my husband finishes PA school πŸ‘©πŸ»β€βš•οΈπŸ‘¨β€βš•οΈ I don't say that to brag.. I have worked harder than ever these last nine months but I want to inspire you to go after your dreams even if you are skeptical or fear failure. I fear not going for something and wishing I had more than I do failing and I can honestly say that I am so glad I went for this!πŸ™ŒπŸΌπŸ™πŸΌ #bestdecisionever #debtfree #debtfreejourney #workfromhome #watchmeorjoinme
Throwback to my very first LipSense color nine months ago!πŸ’πŸ»πŸ˜ I had never even worn lipstick and signed up for the discount before I ever tried itπŸ’„πŸ˜³πŸ˜¬ I threw away all my chapstick and gloss and never looked backπŸ˜±πŸ™ˆ Now this magic makeup pays my bills πŸ’΅ and is helping keep us out of debt while my husband finishes PA school πŸ‘©πŸ»β€βš•οΈπŸ‘¨β€βš•οΈ I don't say that to brag.. I have worked harder than ever these last nine months but I want to inspire you to go after your dreams even if you are skeptical or fear failure. I fear not going for something and wishing I had more than I do failing and I can honestly say that I am so glad I went for this!πŸ™ŒπŸΌπŸ™πŸΌ #bestdecisionever  #debtfree  #debtfreejourney  #workfromhome  #watchmeorjoinme 
Only 10 days remaining in October...November goals are set!

Tip:  Know where your money needs to go before you get it so that you don't spend it!

Determined, Focused and motivated βœŒβ€πŸ™ŒπŸ™πŸ’ͺ#FinancialFreedom #SingleMama #SmartMoney
Only 10 days remaining in October...November goals are set! Tip: Know where your money needs to go before you get it so that you don't spend it! Determined, Focused and motivated βœŒβ€πŸ™ŒπŸ™πŸ’ͺ#FinancialFreedom  #SingleMama  #SmartMoney 
myEcon is life-changing! This is one of many amazing testimonies created in myEcon! Are you ready to sign up??? www.myfinancialvision.com/extra-credit
myEcon is life-changing! This is one of many amazing testimonies created in myEcon! Are you ready to sign up??? www.myfinancialvision.com/extra-credit
Whenever I have some quiet time to myself (usually only when my son naps or after he has gone to bed) this is the only thing I listen to! I'm hungry for more knowledge!
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#daveramsey #babysteps #thedaveramseyshow #podcast #knowledgeispower #debtfreecommunity #debtfree #debtfreejourney #debtfreedom #thrifty
The moment you start acting like life is a blessing, it starts feeling like one! www.myfinancialvision.com
The moment you start acting like life is a blessing, it starts feeling like one! www.myfinancialvision.com
Pumpkin Spice Hummus✨

Yes, it’s a thingπŸ˜‰. I picked this up at the @gilbertmarket today. It was an exclusive flavor only available for a short time. 
And it’s AMAZING!

What item is pumpkin πŸŽƒ spice that you love? xoxo
Pumpkin Spice Hummus✨ Yes, it’s a thingπŸ˜‰. I picked this up at the @gilbertmarket today. It was an exclusive flavor only available for a short time. And it’s AMAZING! What item is pumpkin πŸŽƒ spice that you love? xoxo
I sent in about 30 or so #dvds to #decluttr and got a check for πŸ’²10.62 which isn't a lot but #everybitcounts and it was a great feeling to get rid of #clutter that I hadn't used in a long time! I also recommend looking at what you can get for #amazontradein Because I sent a couple items there because Have you ever used Decluttr or Amazon Trade in? #debtfreejourney #debtfree #debtfreecommunity #decluttering #downsizing #minimalism
A couple weeks ago, I was getting ready for school and realized that I had forgotten to #mealprep ! I almost told myself I would just eat out that day, but looked in the fridge and realized I could put together an #adultlunchable with some #turkey #cheddar #triscuits #cucumber and #hardboiledeggs for a snack I also used spice packs from when we've ordered out for more #flavor #lunchfromhome #debtfree #debtfreejourney #debtfreecommunity
It was a great day πŸ™ŒWHAT GOOD STUFF IS GOING ON IN YOUR LIFE? COMMENT BELOWπŸ‘‡
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I drove 8 hours today to do what I love...inspire others to follow their dreams and take control of their finances πŸ’ͺ#goodvibes πŸ’―
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#saturday #reflection #goodvibesonly #bethechange #positivethinking #positivevibes #positiveenergy  #goodstuff #behonest #tbh #sharethewealth #debtfreecommunity #debtfree #debtfreejourney #progress
It was a great day πŸ™ŒWHAT GOOD STUFF IS GOING ON IN YOUR LIFE? COMMENT BELOWπŸ‘‡ ----------- I drove 8 hours today to do what I love...inspire others to follow their dreams and take control of their finances πŸ’ͺ#goodvibes  πŸ’― β€’ β€’ β€’ β€’ #saturday  #reflection  #goodvibesonly  #bethechange  #positivethinking  #positivevibes  #positiveenergy  #goodstuff  #behonest  #tbh  #sharethewealth  #debtfreecommunity  #debtfree  #debtfreejourney  #progress 
😫😫😫😫 OW IT HURTS!!! My professional registration fee for work was paid yesterday and nearly tipped the four figure mark :( The bright side was that I was expecting it, and as my tax return was just over $1k, it went straight to covering these fees. It could have been $1k off debt BUT at least I didn't have to scrimp for the dollars. Which is a definite plus on this #budgetjourney... It still hurts though πŸ˜‰
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#heybigspender #debtfreejourney #debtfreecommunity #debtfree #debtfreegoals #debtfreelife #ohshesbroke #sadface #debtfreedom #debtsucks #byemoney #byefelicia
😫😫😫😫 OW IT HURTS!!! My professional registration fee for work was paid yesterday and nearly tipped the four figure mark :( The bright side was that I was expecting it, and as my tax return was just over $1k, it went straight to covering these fees. It could have been $1k off debt BUT at least I didn't have to scrimp for the dollars. Which is a definite plus on this #budgetjourney ... It still hurts though πŸ˜‰ β€’ β€’ β€’ _____ #heybigspender  #debtfreejourney  #debtfreecommunity  #debtfree  #debtfreegoals  #debtfreelife  #ohshesbroke  #sadface  #debtfreedom  #debtsucks  #byemoney  #byefelicia 
My #debtfreeday was planned for November 22.  But I received a wonderful blessing today!  My last payment will be on Tuesday instead.  I have been gifted the November payment... so I will be finished with my #debtfreejourney on October 24 instead of November 22!  I haven't even had time to process that yet... I think I'm still in shock. Debt is a terrible thing and anyone who doubts that statement should come talk to me and listen to my horror stories. I have truly seen the hand of God while journeying through and being diligent with the #debtsnowball.  Come Tuesday,  it will be all over and I will owe not one cent to not one person.  No gimmicks, no pyramid schemes, no get rich quick foolishness... just pure and simple discipline, a monthly #zerobasedbudget and sticking to #daveramsey 's plan.  Tuesday can't come fast enough.  I am so blessed.
My #debtfreeday  was planned for November 22. But I received a wonderful blessing today! My last payment will be on Tuesday instead. I have been gifted the November payment... so I will be finished with my #debtfreejourney  on October 24 instead of November 22! I haven't even had time to process that yet... I think I'm still in shock. Debt is a terrible thing and anyone who doubts that statement should come talk to me and listen to my horror stories. I have truly seen the hand of God while journeying through and being diligent with the #debtsnowball . Come Tuesday, it will be all over and I will owe not one cent to not one person. No gimmicks, no pyramid schemes, no get rich quick foolishness... just pure and simple discipline, a monthly #zerobasedbudget  and sticking to #daveramsey  's plan. Tuesday can't come fast enough. I am so blessed.
I wanted some orange chicken! But taking 3 teenage boys, my daughter and myself out is not in the budget. So homemade orange chicken and fried rice! Total cost $12! And its enough for left overs too! Yummy! πŸ˜‹
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 #debtfreejourney #debtfreecommunity #debtfree #budget #budgeting #money #singlemom #singlemommoney
#nevertooold ...the grass is not greener, and everyone has puddles to maneuver around ... stay focused on your path, puddles and all...#wisdomquotes @jasver73
#nevertooold  ...the grass is not greener, and everyone has puddles to maneuver around ... stay focused on your path, puddles and all...#wisdomquotes  @jasver73
Another great week, mostly because I was too sick/exhausted to shop. πŸ˜… Finally got groceries this morning and managed to stay under budget.. at Costco of all places. I’m getting so much better at sticking to my list and not making impulse purchases. πŸ™ŒπŸ» A feat, with all of the Halloween AND Christmas candy this time of year.
Another great week, mostly because I was too sick/exhausted to shop. πŸ˜… Finally got groceries this morning and managed to stay under budget.. at Costco of all places. I’m getting so much better at sticking to my list and not making impulse purchases. πŸ™ŒπŸ» A feat, with all of the Halloween AND Christmas candy this time of year.
The new Super Mario comes out next week.. aaand I’m buying it. Video games are one of the things I haven’t given up on this debt free journey. What are you still buying while in debt that the experts say you β€˜shouldn’t’?
The new Super Mario comes out next week.. aaand I’m buying it. Video games are one of the things I haven’t given up on this debt free journey. What are you still buying while in debt that the experts say you β€˜shouldn’t’?
Oh yay! Money at the end of the rainbow!  Oh ... at work. Ok
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#endoftherainbow #money #debtfreecommunity #debtfreejourney #pizzahut
πŸ“žπŸ“žRing -Ring. Calling all budget busters! This week's grocery budget blown by $2!! I'm so excited as it even included a trip to the dollar store which I've been depriving myself of (bunch of goodies for the fam). So to learn that had I not done trip (which was only $11) I would have come in under. I'm so proud! πŸ’ͺπŸ™Œ#debtfreecommunity 
#mindingmymoney #budgeting #debtfreejourney #debtfreecommunity #deathtomurphyslaw #budgeting101 #positivevibesonly #fightingformymoney #financialfreedom #financialfreedomstartshere #rememberwhyyoustarted #debtfree #debtsucks #everypennycounts
πŸ“žπŸ“žRing -Ring. Calling all budget busters! This week's grocery budget blown by $2!! I'm so excited as it even included a trip to the dollar store which I've been depriving myself of (bunch of goodies for the fam). So to learn that had I not done trip (which was only $11) I would have come in under. I'm so proud! πŸ’ͺπŸ™Œ#debtfreecommunity  #mindingmymoney  #budgeting  #debtfreejourney  #debtfreecommunity  #deathtomurphyslaw  #budgeting101  #positivevibesonly  #fightingformymoney  #financialfreedom  #financialfreedomstartshere  #rememberwhyyoustarted  #debtfree  #debtsucks  #everypennycounts 
I feel blessed to be around motivated individuals who spend time mentoring people and actually care about changing lives. 
With Mr. John Singh a true leader in this industry & overall a genuine person.
I feel blessed to be around motivated individuals who spend time mentoring people and actually care about changing lives. With Mr. John Singh a true leader in this industry & overall a genuine person.
With Mr. Scott Bland a very successful businessman who I had the privilege to meet today at this life changing event.

Ask yourself...who are the people you surround yourself with and how are they impacting your life?
With Mr. Scott Bland a very successful businessman who I had the privilege to meet today at this life changing event. Ask yourself...who are the people you surround yourself with and how are they impacting your life?