debtfreejourney

457,592 Photos and Videos

3 minutes ago

Hello from Virginia Since I have many new friends, I want to know where everyone is from 😎 I'm from Virginia & here are 3 fun facts about our state: 1. We are known as the birthplace of our nation 2. We hold the home base for our Navy's Atlantic Fleet 3. We were one of the first English colonies Where are you from & what are 3 fun facts about your area? 😎

12
4 minutes ago

Some days it feels like everything is not going to be ok, some days its a challenge to meet the bare minimum Some days its easy to feel deflated. I know this, I'm challenged by this, I'm weighed down by this and yet I know that I WILL over come this Because somedays I can imagine that it will be worth it, somedays I can see & feel the difference the smallchanges have made. Wether it be the finances or the clutter or the chaos I will continue to makethechange because Im takingthechance on me for once! I matter, my future matters, nothing is going to get me there but my hard work & determination. Being on a debtfreejourney is part of the process and even tho looking at the numbers is sometimes soul crushing in defeat, I know that persistent little things will make a big difference in the long haul. So I guess for me & u, if your feeling defeated in your debt if your feeling the challenge know this, you are not alone & you can do this! onedayatatime Use thoes deflated days to rest and to refocus. Dont do a thing if thats what you need. But then take the next good day, when you're feeling a little better to make one positive step in your right direction. Keep going, take it slow, you've got this ozdebtfreecommunity ozdebtfreejourney frugal personalfinance changeyourlife faceyourfears goeasyonyourself debtfreegoals barefootinvestor

00
4 minutes ago

Jeep on the beach 🤩 What’s your dream car? . Almost 2 years ago, I drove off the lot in my dream car! A bright red, 4 door Jeep Wrangler with low miles- everything seemed perfect! I thought it was too good of a deal to pass up That decision added another full year to my debt payoff and I didn’t even get to keep the Jeep If you are considering buying a new car, save up in cash and don’t overspend! If you sacrifice now, you can win later- more than you ever thought possible! The opportunity cost is too great to pass up!

21
6 minutes ago

Pumpkins spice latte in the middle of may? Why not when you haven’t been able to drink coffee for 17 days because it’s nastyyy without your usual cream and sugar! This is the best recipe I think I’ve found while doing Whole30 😂😅 I’m not even addicted to coffee, especially after giving it up almost entirely during my pregnancy. I just really like the flavor, and I enjoy about one coffee a week. I however do like creamer, sometimes sugar in it. I frequently use sugar free coffee creamer. This is delicious though and will definitely make it again. It doesn’t take too long to make and best news it tastes good cold because if you’re a mom, you know you never get a full cup of HOT coffee 🤣😭

41
7 minutes ago

This is SO true 👏🏻👏🏻 When I first started taking a serious hard look at my finances, I realized I was the problem Yes, it was ME. I was the one with no budget. I was the one with no system in place to automate savings. Heck, I had no savings! I was able to pay my bills each month, send a tad extra to my student loans and that was it. My money was just GONE. I loved paycheck to paycheck. Each time I got paid, I’d go shopping, get my nails done, out for dinner and drinks. Then I would wake up a few days after the direct deposit cleared and there would be nothing left. NADA That is NO way to live. I NEEDED to get my shit together! And it was me that had been the problem But, what’s the good news? If I can do it, so can you Budget. Cut out nonsense. Pay yourself. Pay your debts. And of course, DO NOT incur any additional debt It’s hard to look into the mirror and acknowledge that YOU are the problem, BUT it is worth it in the end. debtfreejourney debtfreecommunity personalfinance consistency sacrifices

112
8 minutes ago

When you feel authentic peace and joy from living an uncluttered life by consuming less and creating more, it's easy to feel like a cultural misfit. I learned a lot about how I wanted my life to look when I lived In Finland many lifetimes ago. I didn't appreciate it at the time, but everything has a way of coming full circle if we allow it. Every lesson and teaching has a time and space to resurface and integrate into the fabric of our being. 💚 sisu selfcarepractice wholehealth simplicity calmthechaos holisticpsychotherapy brainbody interconnected finland ilearnedfromthefinns finnishhealthteachings foresttherapy naturalhealth rootedinnature lessismore declutteryourlife mindfulness scandanavianliving minimaldistractions consumelesscreatemore dowhatmatters ecologicalconnection sustainableliving lessstuff lessstuffmorefreedom debtfreejourney depthyear finnishproverb sweatandforget themindfulway

60
13 minutes ago

🔆Summer🔆 time is full of ALL THE EXCUSES to fall off with your financial goals. Wedding season💍. Guys trips🏖. Girls trips✈. Longer days🕦. Happy hours🍻. Three day weekends🚗. Festivals🎡. Nice weather🌞. You can still have fun AND plan for all of those things🙌🏿BUT don't get to September and be pissed that you are in the same position (or worse) with your money. summer summertime goals budgeting budget budgetgoals debtfreecommunity debtfreejourney money personalfinance wealth wealthy wealthbuilding vacation networth

241
13 minutes ago

Since last post this happened Remember that emergency visit in March. The bill came and my part to pay is $1096 plus I have the doctors bill and laboratory bill.😩 The hospital gave me a little issue when it came to setting up a payment arrangement but it worked out. Where I live we have been getting a lot of rain so of course my grass has been getting unruly. I have two lawnmowers which were both gifted to me but they needed to be tuned up. So $80 later, I’m happy to say my Toro is running. My Iphone6 is finally gone. After 3 years of hanging on, I had to get rid of it because I dropped it in the toilet and y’all can finish the rest of the story smdh So I did get another phone which antenna works a heck of a lot better than my previous one ( hardly any dropped calls)and it has made me much happier. My carOn Friday, I had to get a brake caliper and struts.$$😩 With the money I just spent I could have paid off TWO creditors or my trip with my BOYD group. I am thankful I didn’t have to use my credit card. It did mess up my cash flow but as always I’ll work it out. In other news, I did celebrate my birthday last week and I usually celebrate ALL MONTH So thus far, it’s been fun🎂🍸💃🏾💃🏾 I hope you guys are having a better month than me financially I’ll continue to push knowing that slow progress is still progress Stay tuned debtfreecommunity debtfreejourney trusttheprocess

20
17 minutes ago

This is my mid-month check in! May has been a slow month for debt payoff 😩. I’ve only sent $298.73 towards debt so far and it’s so discouraging. However All but one small $24 bill has been paid and rent is almost half funded. So now, it’s time to focus on paying down debt for the next two weeks! I’m going to try to hit my $1k mark per usual. Also, just like budgetgoalss, I am going to implement a $300/wk to rent starting next month. We’ll see how that goes😁 The reason for this is to practice and prepare for how my budget will be once we move into our apt. ••• debtfreecommunity debtsnowball debtfreegoals dfcbartender livinthattiplife serverlife budgeting budgetplanning daveramsey thebudgetmom debtfreejourney

120
20 minutes ago

My 28 Day Life Detox is 7 days underway Today I woke up, went to butiyoga at kulagrandrapids with kadorado620 and now I’m at squibb_gr . I stumbled on a coffee shop with great natural light AND paleo and gluten-free pastries from riseauthenticbaking I’m spending the rest of my morning planning: my Grit HQ work week, 8 waking hours a day with my phone off, my $25 a day “workation” food budget and my $200 5-Day yoga retreat is going to look like (it starts tomorrow) Yesterday I started blogging for Eff the Joneses again itskpinky even has me really thinking about creating a platform for service swaps with like-minded individuals When you take a few days to slow down and repurpose, life becomes much more badass financialindependence financialindependenceretireearly ficommunity choosefi travelhacker travelhacks travelhacking travelhacker remoteworking financialfreedomstartshere livelikenooneelse mortgagefreecommunity househacking dogsitterlife laptoplifestyleliving laptoplife retireearly debtfreecommunity debtfreejourney babystep2 nomore9to5 bloggingbabes personalfinanceforwomen debtfreeliving yogaretreats mindsetreset

40
20 minutes ago

I love buying in large quantities! When I started selling on amazon in 2015, my first purchase was 7600 garden weeders for about $4k. I sold them each for $11.99. I was instantly excited and amazed at this platform, and have since pursued large quantities whenever the opportunity arises. I have a few options for selling. 1. Find a product demonstrator that will go to county fairs and attempt to sell them at 2/$5. Split the proceeds. 2. eBay the whole lot 3. Create new packaging and build a new amazon listing. (This one has the highest ceiling) 4. Wholesale what I can, then send the rest to local auction. Due to the self imposed time constraints on “flipping a dollar” of 10 hours per week, this may be a viable option. As always, feel free to make an offer on whatever I have for sale!

282
21 minutes ago

Thanks to Kim from freetofamily for the backyard clippings idea (as well as many others). My house looks fresh and at the best price free. No more wasting money on flowers every week. saving

81
22 minutes ago

Life is great. Not because it just happened. Instead because we worked for it. Every step of the way. Planning. Deciding. Saying no. Until we got to the point where we could live the life we wanted. ❤ Short term pain vs long term gain In the short term we didnt have the typical college experience. We worked full time jobs to pay our way through college. = no college debt When we bought our house we only got what we could afford at the time. We set a goal to have it paid off in 4 years. We did it in 3.5 only because we had a budget. We stuck to it. Everything extra went to paying off that debt. We lived paycheck to paycheck even though we didnt have to. = no more mortgage payment Next up rental. Save save save. It was important to me to buy our first one cash. Now we can leverage that investment to buy another and another and another. We havent decided yet how many we want. When I started I said 20. Yeah I was a small dreamer back then. Maybe 100+ we'll see 🤷‍♀️ = wealth Buying a home is a great investment. I can go on an on about why. So if you want to ever chat, let's grab coffee and talk about how I can help you build YOUR wealth! 🏡

261
24 minutes ago

As far as apportioning money between long and short term, maybe start at 75% near-term and 25% long-term. ⠀ •⠀ So if you have £400 pm to save, £100 would go towards your long-term goals and £300 towards your nearer-term goals. ⠀ •⠀ This will obviously affect some of the other variables. So if you’re saving for a house deposit in five years, it’ll take you longer at £300pm than it will at £400pm. ⠀ •⠀ Work out the difference and see if you’re happy with that. It will focus the mind somewhat. You may decide that in light of this, you need to find another £100 per month to save, and set about working out how that’s going to happen - a side-hustle perhaps, or a second job. ⠀ •⠀ wealth budget investment investments cash investing financialfreedom moneysavingtips debtfreejourney finances personalfinances financialplanning personalfinance financeblogger knowledgeable freeknowledge moneymaking savingmoney podcasting podcastersofinstagram podcastshow PodcastSeries podcastepisode meaningfulmoney millennialmom futureleaders millennialmindset financialfreedom newseason buildingstrong

50
26 minutes ago

Happy Sunday Friends 🥰 I'm getting ready for my first (and last) week back to work! I only return from maternity leave for 5 days before we are out for summer! 🎉💃🏼 Yes, my baby was perfectly planned 🤣 I sat down this morning to plan out my week in my happyplanner. Doing this really helps me get everything done. Sometimes I don't even look at my planner the rest of the week because I remember everything just from writing it down. 🤷🏼‍♀️ I am so sad that I will be missing baby cuddles in the mornings but ITS ONLY ONE WEEK. (My mantra right now.) Notice my "Dinner" section is completely blank😬🤦🏼‍♀️ Hopefully I'll get to that today. 🤣 debtfreejourney debtfreecommunity debtfreeteacher

145
27 minutes ago

This past week I followed the meal plan from Hard Corps, and I gotta say I’m very proud of myself. • • It was pretty easy to follow and have it accomplished for the entire week, so when I got to work it felt good to know I have my lunch with me with the proper portions I need to accomplish my goals. • • It’s totally true what they say “been prepared is half of the battle” when it comes to accomplish your fitness goals, I know I’m far from where I want to be, but definitely knowing I have the tools and the support group to accomplish it’s a huge part of my success by far, plus being a coach helps me staying accountable while helping others by guiding them through the programs, and that’s a huge blessing • • itsavevething fitnessenthusiast busymomlife momlife momof3boys collegestudentlife armyveteran lost20lbs coachlife driving myjourney weightloss debtfreejourney moderationnotdeprivation notadietbutalifestyle 40andfabulous texasgirl texas inspiremasnation togethertransformed fashionjewerly futurecfp mealprep mealprepsunday shapeitupwithveve quotestoliveby

110
29 minutes ago

Avery and I both own our cars outright! That means occasionally we have expenses on our high mileage, decade old vehicles. Whenever someone asks are you not tired of "pouring money" into your old car? Are you crazy why do you even bother fixing it? i think about the words of daveramsey the average car payment in America is now sitting at ~$500! 😱😱😱 How in the world is me paying $800 for the first repairs of the entire year for both avery's and I's vehicle anywhere near $500 a month on each! It's May so if you compared these repairs to a payment it would have been $80 a month each. Another way of looking at it? 2 $500 payments up to now would have cost us $5,000 YTD! Who is the crazy one for saving $4200? 😎😎😎 That being said I do have an auto fund, which we add $200 a month to right now since it is majorly depleted. When you own older vehicles you should anticipate repairs and plan for them rather than jumping to the emergency fund every time. So thanks again daveramsey for teaching some crazy the way! 😍😍😍 So what are you driving right now? Are you planning to keep it until you're debt free? - - - debtfreecommunity debtfreegoals debtfreejourney debtisdumb financialfreedom babystep2 bs2 dfc

71
32 minutes ago

Now that we are in baby Step 4, this will be our savings and investment plan till the end of the year or when Mrs. Legacy_Steps lands a job. At that point the plan will be revised to pay down on our mortgage(when we buy our home) and do some investing for college for our 2 (ages 2 yrs and 6 days old, yea we had a new addition to the family 6 days ago). To actually save this much requires discipline. But everyone here helps us stay accountable! I spent a big part of the weekend automating all of this so they all go into their respective savings or investment accounts. For those that are invested, they are all invested in an S&P 500 index account and or an active mutual fund with an extremely low expense ratio.(less than 0.32%) debtfreecommunity babystep3 onlinesavingsaccount Daveramsey Debtfree debtfreejourney babysteps emergencyfund legacysteps babystep4

113
34 minutes ago

£17.92 under budget and a bloody good night was had 🎉💃🏻🍻

153
39 minutes ago

ITS LIVE My heart and soul was poured into this challenge! If you feel lost, overwhelmed or frustrated because you can’t seem to have enough money regardless of your income YOU NEED TO DO THIS! This challenge is the first step to getting a handle on your finances, paying off debt or saving! Please be kind and bear with me this week and I hope you get lots of great information! Happy Sunday! Allie Laurennn moneywakeupcall moneywakeupcallchallenge studentloandebt studentloans debtfreejourney debtfree financialfreedom personalfinance financialindependence changeyourmindsetchangeyourlife moneymindset

73
42 minutes ago

🍔 Feel like treating yourself and a mate today? Take a friend to Byron and enjoy two juicy burgers, fries and a drink for just £17 with O2Priority

262
44 minutes ago

Karma is a bitch and she is ice cold! A conversation with my wife this evening just blew my mind. I repeatedly observe the concept of karma working in my life. There is plenty of good to go with the bad, but in the post I'll share how bad actions came back to haunt people in my life. There were several times during a difficult time in my life where some really bad people were able to or tried to bully me, make my life difficult or put me in harm's way. Some of those people have gone on to experience very difficult circumstances. Their ill fortune was not a result of my thoughts about them as much as it was them finally reaping what they had sowed. Their energy, thoughts and actions finally resulted in something bad happening to them. Time and time again, when somebody has wronged me in my life, it was not necessary for me to seek revenge or try to sabotage that person. When I was in the army, I had very good working relationships with the senior officers which resulted in tension and jealousy from two senior specialists. One staff sergeant constantly made my life difficult and at times even put my life in danger. Eventually, due to extreme fatigue I was involved in a vehicle accident, which saw me spending 6 days in detention barracks. He continued to make my life hell. Eventually, he was caught selling drugs in camp and spent 18 months in jail. His military career was over. I did not celebrate that, but I did think of a Chinese proverbs which goes something like: "If you stand by the river long enough, you will see the bodies of your enemies float past." I was talking to my wife just now and we are discovering that when we were teenagers we moved in similar circles and had overlapping groups of friends, but somehow didn't meet each other until we were adults One of the guys in these circles was a really bad person who constantly broke up familes and cheated people out of millions. He recently met a tragic end which was reported in the news. I had read the headlines but didn't make the connection until my wife told me who he was just now. Your energy, thoughts and actions will make or break you. Do good deeds and think good thoughts!

102
47 minutes ago

10/10 would recommend! It’s life changing and hard but financial freedom is possible! It teaches you how to handle your money the way God instructed. More people need to know about this 💕💵💕💵💕💵💕💵💕💵💕💵💕💵💕💵 • • • daveramsey financialpeaceuniversity financialpeace daveramseybudget daveramseybabysteps tellyourmoneywheretogo financialfreedom financialindependence debtfreejourney godsinstruction christianfinances financialplanning moneydoesnthavetobescary reccomend lifechanging encouraging blessed

90
48 minutes ago

Everything you buy represents something else you now cannot buy. So how do you choose? Volvo versus Toyota? Lattes versus coffee at home? New article 💵 Link in bio

111
1 hour ago

⚠ Personal Post Ahead ⚠ We as a society are so consumed with having the "next thing". And honestly, it's one of the hardest things for me as a blogger. I don't want to promote the idea of "he who has the most toys wins" or that you're not good enough as a human, woman, wife, mom, etc if you don't have allthethings. The last thing I want to do is have people get some impression about me being better off than I am or promoting a message of "you just have to have this item". This means that I am really cautious of the businesses that I do support and the items I promote. My husband and I are currently working towards being debt free. This is something that I'm really passionate about because I DO NOT like the idea of owing companies money that I don't have. It also means that we're not eating out as much (hello sink full of dishes every day 😩), we're cutting back where we can, and that we're paying cash for eveything. It's hard for sure, but I can't wait for that day when we can say that we're debtfree! Are you on a money journey as well? If so, give me your tips below!

201
1 hour ago

WE ARE DEBT FREE Today is our 7th Wedding Anniversary! The traditional gift this year is copper. Today is the day that we get to announce that we have taken control of ALL the pennies in our life! When we started our marriage we had no idea how to handle our finances. We were dumb, we made purchases just so that we could live the life that we thought we should be living. Then Dave Ramsey came into the picture. (If you've been around us any length of time I'm sure you've heard us go on and on about our budget, paying cash, the baby steps, and getting out of debt.) We realigned our our way of thinking about money and decided that we wanted to have full control so that we could make better and more generous decisions with our money. We worked hard and failed many times, but we kept on chugging. Once we arrived in Kansas we decided that it was time to get serious. We've said no to many things that we wanted to do. We have stayed home when we wanted to go out. We've sat at the dining room table going over our budget more times than I can count. And when I say "We", I mean "We". This journey has brought us closer together every step of the way. It has been the cornerstone of everything we do. So because of that we are so incredibly excited and proud of this announcement! We're not done! Becoming debt free is only Baby Step 2! Our journey is just beginning and we are excited to see where it takes us. Live like no one else so you can live like no one else! daveramsey chrishogan360 rachelcruze

615
1 hour ago

❗NO-BUY 2019❗ After having gone through the first 5 months of 2019 in a semi-committed mode to becoming debt free, I have decided to challenge myself. As a person of extremes, I really had to find ways to streamline my goals and commit wholeheartedly to see real progress. Introducing my year of no buy 2019! For the rest of the year, I will not be purchasing anything which does not align with my "no-buy" guidelines: 1. Replacing a broken or used item only if needed 2. Grocery items within my planned budget only 3. Needs not wants 4. Utilize second hand clothing for special events 5. Library books only 6. Focus on low waste / no waste products I'll be providing progress on my personal challenge every month. Wish me luck 🤞🏼 🍀 Have a great Sunday everyone ☀️

93
1 hour ago

TAKE BACK your power! Many times we don’t take chances because we’re afraidafraid of failure, afraid of what people will think, or maybe we’re afraid to actually succeed?! Don’t let fear stand in the way of you accomplishing your dreams. Write down your goals I did 1. Your vision becomes a reality 2. It reminds you to keep pushing 3. You can track progress 4. You can filter your opportunities Believe in YOU Invest in YOU https:m.mvcard.me/shanari-biz

182
1 hour ago

Now that I’m down to one loan, (under $80k guys 💃🏼) I want to look at refinancing. Right now I’m with Great Lakes at 6% which seems crazy high to me I consolidated about 8 years ago, and am finally tackling this monster. I’d like to get the lowest interest rate possible, I don’t want early payback penalties and if they have an app where I can stalk my account on my phone, that’s awesome What company did you use and why do you like them? dfc debtfreeisthenewsexy babystep2 bs2 debtfreejourney debtfreecommunity studentloanssuck refinancing

192
1 hour ago

Every since I started this journey to financial freedom, I have been evaluating he cost of all my relationships. If it is taxing on my emotions, physical health of my finances, it hurts but I have to walk away. My life cannot take that right now. I am seeking nothing but gains this year and for years to come. debt debtfreejourney financialfreedom relationships goals dreams

20
1 hour ago

There are two (2) different meanings when we talk about GROSS versus NET. 1) For Businesses 2) For Wage Earners Focusing on businesses: whether you’re running a business, or investing in one, knowing the difference between the two is an important foundational concept to understanding how your or a business is ran. GROSS income tells the story of revenue the business generates minus the cost of goods sold (COGS). More so operational than anything. NET income - or profit - tells the story of how profitable your business is or the business you’re investing in. This is total revenue minus total expenses. Example: if a company has $1,500,000 in revenue and the COGS = $500,000 👉🏾 their Gross Income is $1,000,000. The Net Income would have to take out labor costs, marketing, travel, etc. so we could say all expenses come out to $650,000 leaving us with a $350,000 net income. Can you tell me what the profit MARGIN is on that? Expressed as a percentage. Hint: we’ve gone over this in a previous post financiallyfluent financialliteracy financialfreedom personalfinance financialeducation money finance financialindependence entrepreneur wealth moneymanagement entrepreneurship debtfree business investing creditrepair debtfreecommunity financialplanning debt investment financialadvisor savings womeninbusiness moneytips goals investor realestate debtfreejourney budgeting budget

212
1 hour ago

Hey y’all! Sorry I’ve been MIA - still over here plugging away on my debt free journey. I’ve moved on to my last two credit card debts, and they’re pretty sizable I’ll be working on them for a while. But in the meantime, I’m moving I found a really cute guesthouse, and I’ll be moving in next weekend! It’s a bit more expensive than what I pay now to rent a room in someone’s house, but it’s still far less expensive than renting in an apartment complex! So I’ve been working on packing and purging my stuff, and I’m excited to live on my own soon! Stay tuned, and I’ll post budget updates as we get settled in and adjust!

283
1 hour ago

111
1 hour ago

I don’t have many thing I won’t give up but number 1 is getting my eyebrows threaded. I cannot maintain my eyebrows and I cannot pluck them myself. 2. Funko pops- I collect these and don’t want to stop buying them. 3. Shoes for my daughter- I am always buying her shoes, I live in the Midwest so you need shoes for all season even in the summer 😂😂😂😂. 4/5 Netflix and Hulu- we are getting rid of cable and this is what we use to watch tv. What won’t you guys give up? debtfreecommunity debtfreejourney debtfree toddlermom lifewithatoddler netflix hulu thingsiwontgiveup

102
1 hour ago

Woke up this morning and decided to take some money out of some sinking funds to make a large payment. I absolutely felt a little anxiety when I was submitting, but I cant wait to see the payment post. It looks like I saved about $800 bucks this year by finding some alternative fencing, so I can always start saving for that project again later on when we need to upgrade. I'm also expecting a small bonus of about $300 on my paycheck next week, so the money I took from my window fund will be replaced then. 🙈 * MyJourney MyWhy WorkingOnAllOfMe Goal Goals GoalsForOurFuture DebtFreeGoals DebtFreeCouple DebtFreeCommunity DebtFreeFuture DebtFreeAF LetsDoThis Eliminate Debt Debts DebtFreeJourney Progress BabyStep2 DebtFree DebtFreedom dfc Hustle SideHustle Minimal LiveSimple Undebtit Snowball CashIsKing

220
1 hour ago

Check out thehut_com they are happy to pay you cashback on what you’re already going to buy 🤑

101
1 hour ago

Contemplating weather I should get my hair done this week 🤔 I'm worried it will cost me heaps but at the same time I'm really not liking my hair, it's damaged, all different lengths, impossible to style without using heat creating more damage and the color is so patchy 😭 I'm thinking of dying it black and just doing a big chop having it sit just above my shoulders, but I'm just overthinking it now and see it as a waste of money 👎 What do you do? Spend the money on a hair dresser or just pass on the expenses that come with it and embrace that natural hair life? 😂 let me know in the comments and help me decide! 🤞 • • • • debtfreejourney debtfree livewithless morewithless savemoney debtfreecommunity debtfreedreams liveonabudget livebeneathyourmeans lessismore livelikenooneelse debtfreedom cash budgeting studentloandebt debtfreeliving cashenvelopes frugal frugalliving savemoney cashenvelope moneyenvelope cash cashenvelopesystem cashisking paycash minimalism financialfreedom financialplanning financialpeace financialhealth

143
1 hour ago

For Christmas, I had promised my one family activity per month for 2019. I’ve budgeted $100 per month (that’s the limit), though there are a few that are much cheaper. I am of the mind that I can pay off my debt for years, but my are getting older quickly. I want to make memories with them now while I can May’s activity was professional manicures. Let me state that I am not a fancy nails kind of girl. I’ve only had two manicures in my life and one of those was for my wedding. Not judging, it’s just not my style. Well, at least two of my girls have been looked forward to this month excitedly since Christmas. We went with the gel polish, as I’m not a big fan of acrylics, especially for the ten year old. The oldest picked a Tiffany blue, my middle kid is the purple, and the youngest chose the sparkly “party nail”. 😁 We actually came in $20 under budget, so we used that money to get some treats for “junk night”. I’d call this activity a success. 💅👍

382
1 hour ago

Repost the_frugal_millennial_ with get_repost ・・・ So much frugalness because we lose 50-70% of our money to different government junk. Income taxes only began in 1913 in order to fund WWI. The country was able to function just fine from 1776-1912 without it. Imagine what you could do and what what debts you could pay off if there was no income tax? the_frugal_millennial_ Frugal FrugalLiving Millionaire MoneyTips MoneySaving SavingMoney Wealth WealthBuilding EverydayMillionaire ChrisHogan DaveRamsey Budget Debtfree DebtFreeCommunity Money MillionaireNextDoor TheWayToWealth DebtFreeJourney StressFree DaveRamseyBabySteps DebtIsDumb TotalMoneyMakeOver FinancialPeace Debtfreememe incometax taxationistheft taxes government biggovernmentsucks

170
1 hour ago

It is simple for the debtfreecommunity to say save money, but until you find your why, your motivation, it can be difficult It is can be as difficult as wanting to lose that 15 lbs, eating healthy, and being at your dream But with your motivation and building a habit you can do it Build healthy habits for you, for your loved ones, for your , and more Sunday Savings Habits Our whyI wanted to live tiny. My hubby wanted to go on adventure. We met in the middle so we could live tiny and go on adventure quickly. Saving for our future babystay tuned for why to create a baby fund.💛 I am always thinking ahead on saving. Saved up for our cars.🚗🚗Saved up 100% for our wedding. 👰💍 goforyourdream Florida Virginia palmtrees debtfreejourney debtfreecommunity tinyliving tINYHOME homeiswhereyouparkit. savingmoney quotes followforfun needmotivation inspiration

130
2 hours ago

Great post from businesstutorship⁣⁣ ⁣⁣ Doing what you want to do for a living and working to pay the bills is a give and take process.⁣⁣ ⁣⁣ There’s must be some time frame of work that you have to sacrifice your wants in order to provide your needs.⁣⁣ ⁣⁣ But, when all your needs are secure, start working toward what you want. ⁣⁣ ⁣⁣ Eventually that will become your full time career. ⁣⁣ ⁣⁣ Follow businesstutorship⁣⁣ ⁣⁣ ⁣⁣ Follow yourwealtheveryday⁣⁣ Follow yourwealtheveryday

5130
17 hours ago

Do you have a spending habit? If so it won't technically be bad unless your making more impulsive purchases than intentional purchases. Why purchase something that doesn't add value to your life and only make you happy for the moment? You'll find yourself always purchasing new things but will continue to question your lack of happiness.

464
3 days ago

Are you aware that over 50% of millennial have less than $1,000 saved up. If you actually think about it, how many times have you spent over $1,000 on entertainment, impulsive shopping, or maybe just materials to live up to your "lifestyle" your portraying. ⁣ ⁣ Another fault is excuses and mindset. If I was to ask how come you don't have anything saved first thing I'm more than likely to hear is "I don't have enough money to save", ya the only truth behind that is because your paying everyone else first before you pay yourself and you make a lot of excuses for your failures. When in reality your the creator of your own destruction. If you were to save 10%-20% of your check soon as you cash it or it deposits you'll have more money saved up sooner than you think. ⁣ Ex: $1,000 = paycheck (save 10%=$100, save 20%=$200) now you have $800 to take care of your essentials such as bills and necessities. That should be more than enough to take care of all the mandatories. ⁣ ⁣ However, the way we're programmed we pay everyone else first then complain your check already gone. On top of that, we say "I need to treat myself, I deserve it" and we spend some more leaving us with less than we already had. Now we feel the need to overdraft our account or even worse use excess amount on your credit card that you feel the need to only pay the minimum on and you'll be fine. ⁣ ⁣ Now if you can relate in any way to this post then that mean you need to realign yourself because your not even on the first step of financial freedom/independence. Your debt-to-income ratio is depleting your room for success and wealth. ⁣ ⁣ Follow youngandwealthyliving follow youngandwealthyliving follow youngandwealthyliving follow youngandwealthyliving