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#daveramsey

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Recap for this week’s goals-
No coffee ✅ 
Biked 0 times 😅😅 The gym membership cancellation is an ongoing saga. Still looking for someone to take over the membership, if you know anyone in Australia who needs a gym membership!
No eating out ✅- technically 😇 I bought 2 hot chocolates at work, 2 juices (1 today and one at the book club yesterday), and an order of fries at my book club this weekend. I’m counting this as a win because this week I’m drowning in emotions, stress, and messed up sleep. So the fact that I ate every single *meal* at/from home is a MAJOR win for me.
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Stay tuned for next week’s goals. I think one of them will be to cash out my current shares portfolio (<$2K) and hold off on investing till I have a cash emergency fund first. I need the cash cushion for my peace of mind the next few months, hence the cashing out of what’s already invested.
Cash envelope system out of waxed canvas for a Ramsey-ite family. @daveramsey #handmade #smallbusiness #kochleatherco #cashisking #creditisbad #daveramsey #leathergoods
A family day trip to pick some strawberries, with a few unexpected costs that weren’t in our fortnightly budget. The positive being we have LOTS of strawberries to eat!! Entry for 6 including 4 large and 2 small punnets of strawberries = $32
3 ice creams and 4 coffees for 7 people st the strawberry farm = $29.50
Roast chook and breadrolls for lunch for 7 of us = $15
$76.50 spent all up which was a nice day out (with the mother in law) but a bit more than I had budgeted for. I didn’t really want to do the ice creams and coffee after strawberry picking but my husband wanted to give the kids a treat.
I brought snacks, water bottles, mayonnaise for the rolls and soft drink to have with lunch from home.
Had a $50 voucher for bunnings from Christmas left over. Naturally I spent most of it on little mate, best $30 I've ever spent! Haven't even put water in it yet 😂
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To be honest, my life is easier when he's entertained, so it's kind of for me as well 😂
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#babystep3 #babysteps #debt #debtfreecommunity #money #saving #daveramsey #organised #mortgage #repayment #neverpayfullprice
I’d love to hear any insight as to how kiddos have impacted your budget or how you budgeted before kids to keep on financial track after adding to your family.  There is no judgment here at all on your how or why-I’d love to hear all the ways people have done it!
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We’re a ways out from having kids but I did some longer term forecasts on savings goals and business investments and I don’t know how we’ll both afford kids and hit our financial goals.  I’m soul searching on what this means for the calling on my heart to foster and adopt and potentially homeschool.
What a day!
Lifeguarded for 7 hours = about $70.
Hung up some clothes in my newly cleaned out closet that produced 2 donations bags and 1 bag of trash. (Not done yet)
Sold cowboy boots for $40. 
Delivered food to 8 people and made $80 in 5 hours.  That's almost $200 of income in one day!

Marie Kondo + Dave Ramsey = success (you got to have a plan to follow to reach your goal)

#debtfreecommunity #snowball #hustle #mariekondo #konmarimethod #konmari  #daveramsey
I’m turning 30 next Saturday 🙊
This is a big deal and I’m not sure how I feel about it. I have enjoyed my 20s so much! 😿
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We are cash flowing a trip to New Orleans and I’m very excited because it’s our first time day. If you guys have any suggestions for restaurants or attractions I would greatly appreciate it. I will share our budget for the trip next week. •
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#debtfreejourney #debtfreecommunity #neworleans #budget #cashflow #daveramsey
I failed getting hooked on the book so giving the Netflix series a go 😆while do a spot of scrapbooking . Love a lazy Sunday arvo 😍•
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#familyof4 #mumlife #skimpingforsunshine #budget #householdbudget #budgetmum #mealplan #savings #thermomix #budgetliving #savingmoney #frugal #mealprep #nospendjuly  #momblogger #mumsofinstagrams #mumblogger #daveramsey #7babysteps #debtfreecommunity #momblogger  #blog #blogger #mumblogger #momlife #momswithcameras
Had #fun test driving a #convertible in #downtown Bad news is my #car got totalled.  Now, I need to look for a new one.  Should I get a car payment or buy one cash? Tough choices.  #Debt or #nodebt #newcar or #used Fun convertible or boring sedan?  #luxury or #practical I already know what #daveramsey would tell me. lol
Hello, and welcome to my page. Recently I decided to stop running from my debt and face it head on. I calculated everything I owed on credit cards, student loans, and a car loan I co-signed on for my husband, and let me tell you... the amount I owe was SHOCKING!!!
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After recovering from the initial shock and reading Dave Ramsey’s book The Total Money makeover, I am gazelle focused and ready to attack my debt one creditor at a time. Join me in my journey as I continue to share my story, progress, and any obstacles I face. I hope to gain accountability partners by being 100% transparent with you, and maybe, just maybe, I can encourage someone to begin their debt free journey as well. #debtfree #debt #daveramsey #creditcards #studentloanssuck
Don’t be that “guy” that does this. Start today. Step 1: Get current on all bills and have $1000 in Savings!!! #daveramsey #financialsuccess #debtfree #2020 #futurehomebuilders #custom #financialuniversity
Created these cash envelopes today. ————————————————————
#japan #Okinawa #daveramsey #financial #envelopesystem #envelopes #cashenvelopes #creativity #artsandcrafts #diy #momlife
Tonight we had a fun date night in! We made #sushi for the first time together. Hubby likes making sushi, but he is still not a fan of eating it. 🍣😂 Thankfully, we assumed he wouldn’t like the sushi. He enjoyed the spring rolls, fried shrimp, and beef and broccoli stir fry instead.👩🏻‍🍳👨‍🍳
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#datenightin #inthekitchen #debtfreecommunity #daveramsey #daveramseyplan #daveramseybabysteps #budget #cashisking #everypennycounts #moneymanagement #moneymatters #mindset #intentionalliving #gazelleintense #frugalliving #livelikenooneelse #totalmoneymakeover #financialplanning #financialpeace #financialgoals #millionairemindset #networth #lifeonabudget #cashenvelopes #cashonly #lifestyle #babystep3 #loveandmarriage #dateyourspouse
Just realized I never introduced myself. So  my husband and I are both 29, and we will be 30 this year 😱 We have two kids, 8 year old boy and 3 year old girl. Hubby is a chief in the coast guard and I am a kindergarten co-teacher (hoping to get promoted this fall 🤞🏼🙏🏼)! Here are some random fun facts about me 🧐 
1. Kiwi is my favorite fruit but I hate peeling it.
2. I’m a night owl 🦉
3. The Office is my favorite show and I’ve watched every season a million times.
4. I also met Creed, Meredith, and Oscar from The Office this past year and have the picture to prove it! Highlight of my year!
5. I can say all 50 states in alphabetical order.
6. My husband and I met and started dating when we were 14.
7. I’m a pessimist, but learning to be better!
8. I’m a procrastinator.
9. I have my masters degree (and the student loans to prove it).
10. I have to make the bed before I can sleep in it.
#daveramseybabysteps #debtsnowball #budgeting #daveramsey #teachersonabudget #debtfreecommunity #debtfreejourney #debtfree #debt
We are OFFICIALLY credit card debt free!  This month was challenging due to the partial Government shutdown.  I am one of the lucky and blessed ones that got an actual paycheck this month.  Next month, however, does not look so promising.  But, regardless, we still persist on!  Dedicated.  A friend shared the last photo and I’ve been inspired by it ever since I read it. “Be stubborn about your goals but flexible in your methods.” We may have had to change our methods this month, but are continually being stubborn and getting this debt GONE!

#DaveRamsey #RachelCruze #FinancialPeaceUniversity #BabyStep2 #EveryDollar #TotalDebtsPaid #DebtAvalanche #FinancialFreedom #DebtFreeJourney #WeWillBeDebtFree #DebtFree #DebtFreeCommunity #LiveLikeNoOneElse #DebtIsDumb #CashIsKing #Grateful #Thankful #Blessed #32379.84InDebtPaid
The internet budgeting and finance community is great and it’s so amazing to be part of. The only thing that people seem to get too caught up with is being #frugalliving 
It’s definitely worth watching what you spend money on and how you spend it but at the same time you need to invest to get ahead in life. I always remember being told by my dad, you don’t make money from wages you make money from investments. Where do you guys invest? We put $200 into an investment account each week and invest it in shares at the end of each month. Income earning shares, this is something I’ll definitely get into more later. So far we have increased our annual income by $2500 in the last 6 months 💰

#budgeting #budget #financialfreedom #debtfreecommunity #money #debtfree #debtfreejourney #personalfinance #frugal #savings #frugalliving #savemoney #finance #business #debtfreeliving #moneymanagement #entrepreneur #daveramsey #wealth #goals #financialeducation #savingmoney #investing #motivation #debtfreedom #success #cash #smallbusiness #financialindependence #bhfyp
H-E-B curbside helps me stick to my budget!!! If I go into the store it’s always $200+!!! So by not going in I’m not tempted to throw extra crap in my buggy. I’ve been leaving some wiggle room in the grocery budget one the initial shop day because we usually need things here and there throughout the week. #daveramseybabysteps #debtsnowball #budgeting #daveramsey #debtfreecommunity #debtfreejourney #debtfreeliving #debtfree #debt #budgetshopping #shoppingonabudget
“How do you eat an elephant? One bite at a time.” So celebrate every little step! Whether it’s a $5 sale, an extra $15 earned, or a $50 saved. Just keep it moving!
Day6 of #bbcomchallengeseries ... it's about being fiscally fit...
#bbcomchallengeseries 
#daveramsey
#latenightcardio
I mean, who doesn't like free money? Poshmark is an online shopping community where you can buy and/or sell new and used name brand clothing,  unique fashion pieces and accessories at awesome prices. Whether you're looking to save on your purchases, want to become a seller and start your #debtfreejourney with #daveramsey or if you just want to get rid of items after watching #mariekondo tidying up, use this code, get your $5 and save it for a rainy day ☔️ .
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#poshmark #poshmarkseller #freemoney #poshmarkcoupon #couponcode #couponscommunity #poshmarkbuyer #poshmarkdiscount #poshmarktip #onlineshopping #shopoholics #shopaholic #ebayshopping #mercarishopping #shoppingonline #frugal #debtfreecommunity #debtfreejourney #gazelleintense #sidehustle #livelikenooneelse #purge #tidyingup #resellercommunity #letgoandletgod #daveramseybabysteps
I just need to trust the process. The last few days things have gone in a different direction. I find myself questioning if it’s the right path but I just need to let go and follow the flow. I’ve never been good at this but eventually it will put us in a good financial state, that’s all I want for myself and my family ✨ #barefootinvestor #daveramsey #debtfreecommunity #ozdebtfreecommunity #debtfreecommunityaustralia @lalahdelia
$10,000 goal saving
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The most money that I have saved in a year is about $5,000 which I give everything for my sister's education.
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I still have no idea how I would achieve $10,000 within a year. My weekly income is $100 as a barista. It would be more if another coffee shop needs me, because I am working casual there.
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I am starting a side hustle on ebay selling stuff online. I am still new to ebay. And I can't really put money on advertising because I dont have a lot of money to lose.
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I would start saving $1000 at a time. I guess this is my #1000dollarproject
Guys, I know I keep posting this, and it looks like the same picture each time, but since the beginning of this month I’ve saved almost $800!!! That’s crazy!

I’ve #budgeted and sold stuff and it has paid off immensely!
This right here is why #budgeting is so important, because when you can tell your money where to go, it does it’s job! 
I wish my kids listened as well... lol
Can’t wait to see an end of month comparison. 
#debtsnowball #debtfree #emergencyfund #debtfreejourney #debtfreecommunity #daveramsey #babysteps #babystep1 #debtisdumb #totalmoneymakeover #ynabcommunity #ynab #debtfreefamily @debtfreecharts
Last date out for a while we refocus on the budget. Needed to spend some time together before putting our heads down and hardly seeing each other again.
Not every adventure is fly highing, fun road trips, and mountain top adventurous. Some journeys are HARD. Really HARD. And no FUN. But 2019 is looking really good toward my financial freedom journey. 🙌🏼 The last several years have been HARD and grueling but last year I began to see the fruit of staying disciplined with budgeting. .
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I can see the light at the end of the tunnel and I’m laser focused and strapping on my boots to climb one more big mountain of student loan debt. .
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👉🏼Student Loan Freedom Goals:
👉🏼JAN 💵 $1500
👉🏼FEB 💵 $1000
👉🏼MAR 💵 $1000
👉🏼APR 💵 $1000
👉🏼MAY 💵 $1000
👉🏼JUN 💵 $1000
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July 2019 
I’m setting the goal to be FREE of my student loans! I will celebrate the freedom of this country and FINANCIAL FREEDOM from my nasty loans.
💥💥💥💥💥💥💥💥💥💥💥💥💥💥💥💥💥💥 #freedom #financialfreedom #ihatedebt #debtbegone #debtjourney #getoutofmyhouse #daveramsey #goals #mytalladventure #financialgoals #ihatestudentloans #debtyouwillnotownme #iwin
this is the face of depression. not just feeling sad and kinda weepy. this is that.. everything is numb, what's the point, ive been on my phone for 4 hours, i barely have the energy to make a bowl of cereal type of feeling.

im pretty good at putting on a smile and i truly do have joy sometimes. it just feels like the happiness is never as good as it could or should be. like there's always a lingering heaviness on my chest and it's not easy to laugh or smile.

i took these pictures today after crying for two hours straight. i fight with my husband a lot. parenting is so hard and draining and postpartum depression makes you question why you ever even had kids. i have a family history of mental health issues and it's something i have to work on every single day.

this is the face of depression, but so are my smiling faces too. it's hard to even type this out, it feels like im just rambling. but everything feels heavy lately even though my faith is still strong. it's hard to wake up and take on another day most of the time, but there's a tiny light at the end of the tunnel.. even if I don't see it right now.

#depressionsucks
OKAY.... SO..... “SWIPE 👉🏼” i have always purchased Kellogg’s cereals & honestly never paid much attention to what generic brand cereals were even around...until today 😬 My son, eats cereal like no tomorrow so finding a cheaper alternative was a must for me! If you have a child (or an adult child 🤣) you get more value for $$ buying generic! My tip of the day for those like me who are just used to buying the same brand every time!
#debt #debtfreecommunity #debtfree #debtfreejourney #debtsnowball #budget #budgeting #finance #money #frugal #frugalliving #cash #cashflow #savings #debtfreeliving #goals #moneygoals #debtsucks #saving #savingmoney #debtisdumb #budgetmum #frugalfinds #budgetstyle #goaldigger #daveramsey #financialfreedom #financiallyfree #frugaltips #ozdebtfreecommunity
$238.42. Charged in interest in December. My first month with any debt with an interest rate. Let me just tell you it makes me angry. I'm going to post the interest im charged monthly and then i can see how it goes down over the next 3 years (hopefully less). Do you keep track of your interest Charged?

#debtfreeby30 #debtfreejourney #debtfreecommunity #frugalmum #debtisdumb #debtpayoff
#debtfreecommunityaustralia #ozdebtfreecommunity #frugallife #ozdebtfreejourney #debtfreeby2020 #debtsnowball #daveramsey #frugalmom #barefootinvestor #babystep2 #ozdebtfreejourney  #ozdebtfreecommunity
Do dolla dolla bills grow on trees???
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 Money is such a touchy subject at church, in the home, and at the workplace, but it doesn't have to be.
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One misconception the world has on money is that "It is the root of all evil". There is 1 word missing, "The LOVE of money is the root of all evil."
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We are doing a series on money.  Would love to hear your feedback and any stories or testimonies you would like to share to encourage people thru Christ

#loveofmoney #love #church #maxout #boldness #courage #mystory #testimony #worship #inspire #motivate #bible #God #Jesus #money #jesusculture #share #christian #berean #shirt #daveramsey @daveramsey #hillsong #tithe #savior #power #pray #johnmaxwell #rachelhollis #joelosteen
Boy there are some real gut punches in Dave Ramsey’s book - A Total Money Makeover.  This hit me like a ton of bricks with how powerful it is.  So I thought I’d share!! #daveramsey #totalmoneymakeover #readlearnstudy #babysteps #workingtowardsfinancialfreedom
A journey. That's what life is. And the decisions we made eight years ago affect today, and those today, eight years from now.

Four years ago, a good friend gave me #totalmoneymakeover to read. They encouraged my frugal spirit and said this would help give direction and guidance.

Three and a half years ago, I decided that I needed to start saving for a new car within the next five years in case something happened.

One week ago, I drove to Birmingham to look at a truck I'd already negotiated down to an all-cash price that included all title and doc fees, as well as taxes. I got there, but I wasn't ecstatic. I thought that it seemed okay on paper, so it must be right. But I went with my gut, and drove two hours back home without it, and I didn't regret it. I decided that I'd worked hard for what I'd saved, and I would only get what I really wanted.

Today, I drove to Charlotte to look at the dream car on which I also negotiated - for five straight days. And I was ecstatic. It felt right. I was at peace. And I signed a personal check to drive away in this black beauty.

It's counter-cultural, but I'm grateful that God has wired me how He has, placed wise advisors in my life who understand my goals, given me tools to learn Biblical finances, and provided me with the financial resources to reach big goals. It wasn't instantaneous. It was a journey. There wasn't instant verification. There was financial freedom. If you don't have that freedom, let your journey start now! 
Next step: The mortgage 
Thank you to #DaveRamsey for following God's calling on your life to teach Biblical financial literacy. #financialfreedom

Thank you, TJ, at #furrstclasscars for working with me and my budget. (If you're looking for a fair deal, check them out!)
The day finally came for us!  We sold our 2017 Honda Accord today. Got rid of the monthly $500 car note and lowered our insurance from $248 per month to $193! 🤑. Eddie got a really good deal on a 2006 Chevy Trailblazer. It has 120,000 miles on it and he walked out paying $4200, tax title and license included. We own that car. We have never owned a car before. The feeling is awesome!  We are so, so happy 😉. .
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#debtfree #debtfreecommunity #debtfreejourney #babysteps #babystep2 #financialpeace #financialfreedom #cash #minimalism #debtfreegoals #daveramsey #livewithless #lessismore #frugal #financialhealth #budget #liveonabudget #cashisking #livelikenooneelse #totalmoneymakeover #zerobasedbudget #savemoney #budgeting #financialhealth #peoplethinkwerecrazy #wewillbemillionaires #debt #millionairementality #cashcar
Here is a picture of some carrots 🥕 so I can share what’s on my mind. I’m on week two of being “let go” from my job. I’ve applied to handfuls of jobs. I’ve applied for unemployment. During my search for figuring out my life...I Came upon this. My dream is to build my own business as a nutrition coach using my bachelors degree in dietetics. I know nothing about business. My thought was if I cash flow an associate degree while working a few part time jobs...that this is the most logical long term idea. So that’s what I’m doing. I registered for three classes. I’m searching for a job too...which has proven difficult. I’m considering deleting my degree from my resume as these low paying jobs haven’t contacted me and I fear it’s from being over qualified. What’s your advice or experience on the matter?
When you think about quitting, remember why you started. .
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I have this quote written boldly on our debt free board. I hung a picture of our daughter right beside it. She will always be my "why". This quote always sticks in my mind when I get down on myself. I started because I wanted to make my life better, my husbands life better, my daughters life better. I cant quit because I have them. .
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#debtfree #debtfreecommunity #babystep2 #babysteps #daveramsey #debtisdumb #cashisking #cashenvelopes #journeytodebtfreedom #debtfreejourney #nurse #nightshift #goals #debtfree2020 #debtsnowball #teamtinyshovel #tinyshovel #studentloanssuck #visuals #debtfree2019 #excel #halfway #studentloans #progress #debtfreefam
ARE YOU INVESTING YOUR WEALTH OR SPECULATING??
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What does gold, tulip bulbs, Beanie Babies, 1999 dotcoms without revenue, baseball cards and art have in common?
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These are not investments.
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These are all things that people have bought in the past, and driven to completely irrational prices, not because they did anything useful or produced any money and value to society, but solely because they thought they would be able to sell them to someone else for more in the future.
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A bigger idiot.
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When you make this kind of purchase, which you should never do, you are speculating, which is not a useful activity. You’re playing a psychological, win-lose battle against other humans with money as the only objective.
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Even if you win some money through dumb luck, you have lost some time and life energy, which means you have lost.
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Investing means buying an asset that actually creates products and services and cashflow for an extended period of time. Like a piece of a profitable business or a rentable piece of real estate.
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An investment is something that has intrinsic value – that is, it would be worth owning from a financial perspective, even if you could never sell it.
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The Stealthy Rich choose index funds and real estate to maximize our returns and we can show you how and why.
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#investments #financetips #moneytips #financialindependence #savings #save #debtfreeliving #frugal #daveramsey #creditscore #finances #frugalliving #financialgoals #savemoney #millionairemindset #debtfreedom #buildwealth #stealthwealth #biggerpockets #earlyRetirement #Fire #financialfreedom #millennialsretireyoung #retireyoung #personalfinance #moneygoals #debtfreecommunity #debtfreejourney #success
Such an honor being invited to help kick off 2019 with @churchillmortgagecalifornia and my business mentor @mike_katalyst as we  shared stories of courage and how taking risks and living by faith is crucial to a purpose-filled life! #onpurpose #cheers
Ask yourself: is what I’m doing today, getting me closer to where I want to be in the future?
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There is beauty in taking one step in front of the other and seeing where life takes you. I’ve done that for almost a decade, and it’s been exactly what I needed in my twenties so I could learn about what I want and don’t want for myself.
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But at some point, you also have to gather the knowledge received from exploring and make some decisions about what you want for your future and how you plan on getting there.
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Ask almost anyone and they would say that they want to retire wealthy. But most of us don’t even know what it actually means, much less take the time to create a plan to get there. If you keep making sleep, socializing and spending money your priority, where will you end up?
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I’m writing this to hopefully give you the light bulb moment I’ve been given. To identify for yourself if what you’re currently doing is enough to get you to where you want to end up. If you can’t answer that question, or if you already know the answer is no, it’s time for you to get serious about getting some direction in your life.
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Most people don’t retire wealthy, because they’re too dedicated to instant gratification and can’t give up what they want in the moment, for what they want for their future. Trust me, I know it’s not easy, but it is worth it.
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For me, I knew I needed another income source to accomplish some of my financial goals and I knew I needed something I could do after hours when I got home from my full time career. Coaching has given me the ability to get one step closer to the vision I have for retirement, while doing something that literally sets my soul on fire! Plus, I’ve heard if you want to be successful, you should do what successful people do...the average millionaire has 5-7 sources of income...how many do you have? Want to add another? Ask me how ☺️
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#coaching#freedom#giveback#passion#entrepreneur#entrepreneurlife#fitness#goals#influencer#financialfreedom#daveramsey#girlgang#dream#debtfree#millionaire#millionairemindset#mindset#sacrifice#instantgratification#grind#opportunity#thrive#askmehow#joinme#different#success#successful#retire#wealth#
One of the things I am most excited about once we finally have our own home, my “She Cave” 😍 #garagegym
🔆In October 2015, I purchased this beautiful 2011 Ford Edge. This was my first big girl car🚗. Wait... what! Who says that!? Well, that’s what I thought at that time. It was the first car I picked out on my own. This is financed. So, no ma’am, this is not your “big girl” car.  Keep dreaming. 🤣 .
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I love this little SUV. I intend to keep her until she can’t go anymore. (She kept me safe during a car accident, so I think I owe her that, at least 😊) But, recently, Murphy took the wheel and gave her a spin. 🚨 She’s been in the shop 4 times since July. Once for break issues, once for gas tank issues, once for a oil leak, and last week for a dead alternator. Some was covered under warranty. But the last two visits cost us $700 each. $1400 cash flowed in two months time.🥺 .
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Makes me sad and happy. Sad that we could of put $1400 towards debt. But happy that we have a budget and we were able to figure out how to cash flow this Murphy event. I hope we get a break for a little while. I’ve never had a car need so much work. It’s eye opening and I will better plan for the future. Lesson learned. .
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Only $7000 left to finance then we will have the title(this is why I don’t want to sell just yet...still hoping she is not a lemon). Learn from me, people! Pay in cash for a car and save the difference for future repairs! Or even have enough saved to pay cash for a new car, if necessary! 🔆
Which one do you prefer? Running your own biz or working for others? 🤔

Leave your preference in the comments below 👇🏽
Do you want more for the Bug Picture ? Something to show for ? Pay off Debt , Build Wealth .. GIVE #daveramsey #daveramseybabysteps #financialpeaceuniversity #goals #debtfree #give
I was raised in a household where my father provided financially and my mother stayed home to care for us; so was my husband. However, the reverse is the case in our household. I make 4-5 times more than my husband and initially that was a problem. We both shared resentment towards each other where our finances were concerned. 
Since combining our finances, we both have full access and knowledge about everything financial and it's us against the world now, not us against each other. It has definately made our marriage stronger. 
For those of you in similar situation, how have you managed this role reversal and what challenges have you encountered because of it? 
#FPU #genderroles #workingtogether #whatisyoursismine #daveramsey #happywife #nurseanesthetist #gazelleintense
Do you have multiple streams of income? This is something I’m working on... #budgeting #investing #debtfreejourney #savingmoney #debtfreecommunity #barefootinvestor #daveramsey
Got the CUTEST cork leather teardrop earrings from @scarlettjadedesign 💛 I love them so, so much! They’re gorgeous and lightweight (two MUSTS for me when I wear earrings). Go check her out and use the 20OFF coupon code for 20% off your purchase💖
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#winter #winterfashion #kcmo #kansascityblogger #missouri #missouriblogger #boutique #boutiqueshopping #monkeystudio #home #homedecor #diy #diyhomedecor #antiques #antique #igmotherhood #mama #honestmotherhood #mamatothree #documentyourdays #midwest #clearancefinds #lifestyleblogger #daveramsey #budgetfriendly
Well crud. Things are starting to get REAL serious. It’s going to be an entire freaking journey in the next 99 days. Also I just noticed that this is the 99th post on my page!! -

Monday we are hoping to get under $30k and I’m thinking of renaming Mortgage Monday to Margarita Monday, because it is going to be a fiesta over here! I’ve said for a long time that I feel like getting in to the 20’s was going to start making it feel real. -

Last night for the first time, I really started to think about what it would feel like to pay it off, what kind of celebration we would have, and if we would take a picture or not. I’m starting to really picture it and I feel like it is so close and yet so far!  I’m so ready to finish this journey and start on the next! #callitourdavehome #daveramseybabysteps #debtfreeliving #budgeting #debtfree #babysteps #foreverhome #budget #debtfreecommunity #debtfreewannabe #debtfreelife #mortgagefreecommunity #debtfreeexceptthemortgage #budgetandbeyond @chrishogan360 #takedowntuesday #mortgagefreewannabe #mortgagefreeutah #debtfreeutah #daveramsey @daveramsey #moneyboss #livelikenooneelse #financialpeace #financialfreedom #firecommunity
New blog post in my bio 💁🏼‍♀️ someone said they missed having stuff to read so here ya go!
So, back in November, we decided to stop paying most of our unsecured debt.  We needed room to actually make a budget.  We don't care about credit scores.  We are currently only paying the loans and credit card that is with our bank, and student loans.  Everything else stopped.  It has changed our world so much.  We will be working a fully manageable budget for the first time ever.  We know we will get some hate, however, we plan on cleaning it all up!  Keep any eye on us.  Will be posting our new totals soon.  Follow our journey, we are not here to lead, or sell you something, or inundate you with regrams, just us and our stupid tax.  Maybe the occasional meme... #debtfreecommunity #budget #daveramsey #dfc #debtfree #debtfreehusbands #debtfreemen #debtfreedads #debtfreeaf #debtfreejourney #financialfreedom #financialplanning #debtisdumb #stupidtax
Intentionality is our word of the year this year!
Whether it be:
~ financial
~ goals
~ our home( organisation etc)

We are being intentional this year! We have goals ( financial, for our home, careers and our little family) we are being intentional and not impulsive!
I don’t know what is possessing me to post this; I suppose just to share (with a tinge of Saturday night boredom)? Not that there is anything spectacular here—pretty standard income, pretty standard assets. I do think the debt free part is pretty unusual and yeah I’m proud of that! But sometimes I get down because my net worth and retirement balances aren’t more substantial considering I’m heading into my 40s soon. But then again, I feel fortunate that I have anything in retirement at all; most of my elders did not do much in terms of saving for themselves in this way. It’s not that I came from poverty, but I was raised in a paycheck-to-paycheck family. Lower-middle? So starting my retirement accounts at 30 felt like a big step forward for me. I wish I had started at 22 but what can you do. I’m looking forward to increasing my net worth significantly in the coming years, leveraging my debt freedom into major retirement contributions and real estate. It’ll be interesting to see what this snapshot will look like in 5 years! And also it’s worth mentioning that, as a single woman, I am super proud that I earned this all by myself. Hey it’s not millions, but it’s something! 💪💪💪
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* savings WILL BE $10,000 very soon! I am thinking ahead 😉
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#debtfreecommunity #debtfreejourney #dfc #daveramsey #babystep3 #debtisdumb #cashisking #gazelleintense #frugalliving #minimalism #anticonsumerism #womenandmoney
2019 is the year I make a big effort to make the most of my FlyBuys card!

Being honest, I use it whenever I can but have never gone out of my way to take advantage of the special offers that are on the statement you get in the mail or have on the app. This changes this year!

By December/January I’d like to be able to have saved money by collecting these points here and there during the next 12 months. Not sure on what I’ll use them for yet but it will be great to be able to get something!

Do you make a lot of use of your FlyBuys account? Any tips? 😁
Hey there! It’s James Ryan 👋⁣
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I know it doesn’t look like much, but there is actually enough food here to give me five days worth of lunches and three days worth of breakfasts and dinners! ⁣⁣
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How?! Well, it’s chili w/crackers and SC for lunches at work and 2-egg omelettes w/salsa and SC for breakfasts AND dinners. (In case you were wondering, I forgot my salsa and SC in the fridge at work! 😆) ⁣⁣
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If you don’t mind eating the same thing for every meal, you can save A TON of $$$. This way of meal planning is EXTREMELY economical if you’re single—like me! I don’t know about the rest of you single folks, but I’ve found that meal planning when you’re single is tricky. For example, one casserole that will feed a family of five will feed me for FIVE days. How have I adapted?! LEFTOVERS GALORE! I usually cook a dinner recipe on Monday and then eat it for dinner throughout the week.⁣⁣
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You might be hesitant about having the same thing for every meal (and so was I) but the savings are worth it! In Nov. 2018 I committed to this plan and managed to get my entire food cost (including coffee dates out) to ~$125 for the ENTIRE month!⁣⁣
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#debtfreecommunity #debtfreejourney #debtfree #daveramsey #financialfreedom #financialgoals⁣
That number is the super large and intimidating pile of debt staring us in the face right now (not including mortgages).... this comes from a few places!
🔷️My boyfriend's anticipated tax bill that we are unprepared for this coming tax season ($5500). 💵 🔷️Two Lines of Credit of my boyfriend's that he used to purchase appliances for his house and finish his garage 5 years ago ($24,910 and $8351).🏡
🔷️My student loan that I am still living off of to finish my degree this spring ($13,191) plus a loan from my mom to help with school costs ($4000). 👩‍🎓
🔷️My boyfriend's car loan ($23,930) 🚗
🔷️My student line of credit ($700)👩‍🎓 This number feels pretty scary to look at. But it also feels pretty freeing to acknowledge it out loud. Feeling grateful to have a whole community behind us for this trip!
2019 Earning goal for my farm. My favorite side hustle! Sharing my fresh eggs, milk and cheese with people that appreciate it is huge but making enough to support my hobby is even better! 
#2019goals #homesteading #farming #farmfresh  #debtfreecommunity #debtfreevlogger #debtfreedom #daveramsey #financialpeace #totalmoneymakeover #babysteps #budget #rachelcruze #livelikenooneelse #chrishogan360 #gazelleintense #girlthatsgazelle
Bird Box. You. Marie Kondo. I haven’t watched any of them...but... So many people think social selling is hard and yet everyone is doing it. Posting about a new show. 📺 New movie. 🎥 🍿 New favorite coffee shop. ☕️ Whatever it is...it’s too bad these companies aren’t sending you commission checks as a thank you for sharing about something you’re excited about. I’m just sayin’. #itsnotthathard #ipromise #financialblessing #daveramsey #dreamchaser #nevergiveuponyourdreams
I hope this isn’t a trigger for some folks but I’ve been saving my fun money for 3 months and used my bday money for this!  I love @oseamalibu products.  It makes my face so soft with less redness and breakouts.  Before I started using them about 1.5 years ago,  I always used Trader Joe’s products for my face.  Which I think is fine but i always had issues.  Blemishes, redness, dryness etc.  I was gifted a facial last year for my bday and the esthetician recommended to stop using TJ products because of the lack of purity in the ingredients.  All of these items were about $200 but they last me 8-10 months!  And my face feels and looks amazing.  I don’t put on hardly any makeup and don’t get facials regularly so this is my splurge.  I’ve learned that I need to take care of myself too in different ways.  And while this can be a costly expense, I’ve also learned that delayed gratification versus deprivation is so important on this journey.  I’m not encouraging y’all to go out and buy all these high end beauty treatments,  but I am encouraging you to allow yourself to feel good about splurges when made the right way.  Whatever that means for you.  Just don’t allow yourself to be impulsive and #treatyoself.  It’s a fine line friends.  Oh and PS,  don’t mind Gizmo in the back being cute as heck.
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#minimalist #minimalism #intentionalism #intentionalliving #livingintentionally #livewithless #livingwithless #debtfree #debtfreecommunity #debtfreejourney #financialfreedom #emergencyfund #daveramsey #babystep2 #cashenvelopes #cashmoney #cashclips #budget #babysteps #totalmoneymakeover #changingmyfamilytree #zerodollarbudget #sinkingfunds #zerobasedbudget
Every look back like man I survived some shit 😅😂 This rehab business ain’t no joke make sure you got a strong stomach before jumping in the game!
We caught up with some great friends at our local monthly farmers market. We had $30 budget. ...and we stuck to it! Go us!!!
1. Dozen eggs
2. Tomato relish 
3. Fresh tomatoes
4. Dutch donuts as our market treat! 
Came under budget by $6. 
We bushy $30 per farmers market and top up our fruit, veg or whatever we need for the week or fortnight using this money!
#ilovefarmersmarkets #farmermarket #budget
I was such an impulse buyer. I couldn’t go in to stores to get ONLY what I needed without straying to the clearance section. Then I realized that when I would get emails about sales I would find myself buying things just because they were a good deal. I can’t tell you how much unsubscribing to mass emails has changed me. No I don’t know how much Old Navy has off this week. No I don’t have a clue what’s happening at Ulta or Target. But Im not looking for excuses to go there either. I dare you to try unsubscribing to tempting emails and see how it changes you. #daveramsey #daveramseybabysteps #babysteps #gazelleintense #financialfreedom #debtfree #livelikenooneelse #babystep2 #icandothis #igotthis #yougotthis #cashisking #financialjourney #journeytofinancialfreedom #blessed #debtfreecommunity #debtisdumb #rightmywrongs #beweird
Quick + Easy Meal Prep Hack: if you don’t enjoy cooking up big batches of chicken for freezer meal prep, batch cooking, etc. try buying the rotisserie chickens at Sam’s Club, Costco, or your local grocer. Precooked, very flavorful, great for shredding and adding to meals.
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I purchased 4 chickens for $20 and was able to get:
3️⃣ Batches of Enchiladas
3️⃣ Gallon bags of White Chicken Chili 
1️⃣ Gallon bag of BBQ Chicken (full)
1️⃣ Topping for Caesar Salad meal
1️⃣ Huge pot of Chicken Broth from the bones ・・・
So that’s 8 meals + some broth out of 4 birds. $2.50 in chicken per meal. And I was able to whip all 8 up in one afternoon. Not bad!
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Full meal prep and batch cooking post coming up soon. ☺️ (I am prepping freezer meals before baby’s arrival in 4-6 weeks)
So after our big haul of donations, to sell and toss in the rubbish bin. We found more. Haunt has copious amounts of t-shirts and I had clothes I could have donated but didn’t. Things I really won’t wear! ...and still feeling really great about our decluttering!
Hi everyone, I thought I would introduce myself to my new followers. My name is Rhiannon and I am 34 years young, half the woman I was (60kgs down) and I work in finance. I am a wife, mother (to 3 crazy kittens), seeker of bargains and lover of thrift shops! Due to my thrifty ways, my family has managed to acquire $300,000 in home equity whilst having 2 cars paid in full with no outstanding personal loans or credit cards. My goal for this page is to educate others on ways to save, to enjoy life whilst still saving and paying off debts. I will also be posting on my weightloss progress as I work to reach my final goal weight. Our family goal is to pay our mortgage off whilst finishing off our new acre property and enjoying some travel on the side. 
Always up for a chat and would love to hear your savings goals too!!! #savingsgoals #savings #moneytin #money #daveramsey #cheapeats #savingmoney #budgetlife #budget #mum #garden #finance #weightloss #waronwaste #fatgirlfedup #weightlossjourney #doing_it_cheap_shopping_challenge #obesetobeast #teachers #mums #thriftymum #thriftshop #debtfreeliving #debtfreeaustralians #shopping #family #travel #debtfreecommunity #barefootinvestor
When I was 18 I started working full time. I was making 42k a year. I lived in an apartment on my own and had a personal loan (for my car) I had one credit card ($1,000) and my cat. But I always had money. I’ve put some more thoughts to paper for my latest blog post while trying to convince myself to get up and clean up.
Prepping for my third week of the 21 Day Sugar Detox and this is what I needed 🛒

I splurged on a couple of things, like the 2 different kinds of tea and the breakfast sandwiches, but in general I did well!

Breakfast will be protein pancakes (I had everything for them) and the breakfast sandwiches. 
Lunch will be leftovers from dinner, and dinner will be what’s written in my cute little notebook that my sister got me for Christmas! 💗 I’ll also have carrots and hummus, almonds, and apples w/ almond butter for lunch/snacks. The numbers beside the meals are the number of meals I expect to get from each dish. 
I’m not sure how much use the notebooks will get (it’s a pack of 3) because they aren’t the kind that you can tear pages out of, which I don’t like, but they are too cute not to use 💜 ............................
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#budgeting #debtfree #babysteps #debtfreecommunity #debtfreejourney #mealprep #mealplan #daveramsey #budget #raedunn
The difference between where you are and where you want to be is YOU! 
Get excited and if you’re not excited keep searching for something that lights you up from within 🙌 ❤
Hector and I are ready for you to win with money starting February 4! “Live Like no one else, so later you can live and give like no one else.” #Financialpeace #financialfreedom #financialpeacecoordinator #facilitator #debtfreecommunity #debtfreejourney #debtfree #livelikenooneelse #financialpeaceuniversity #daveramsey #rachelcruze #chrishogan #liveandgive
Changing for the better! Tackling this debt has changed me in so many ways, and changed my family’s future! I’m so thankful for the #debtfreecommunity and for @debtfreeinsunnyca for the support and motivation everyday! 💪🏼
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#debtfreejourney #debtfreedom #daveramseybabysteps #daveramsey #bossbabe #notmylegacy #changingforthebetter
I wasn’t going to share small wins on social media but you know what?!?!
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Call the posting police because I decided I don’t care. I can’t contain my excitement. .
I started off with 7 student loans. That’s right, SEVEN. I’ve been down to 4 for some time now and they are a killer. But yesterday, we completely wiped one clean and got half of another taken care of. .
I can’t wait until the day I can sing and dance about not owing a single penny to student loans. .
To my fellow friends and family members, take care of those things now. Don’t fall victim to the mentality you will always be in debt to loans. YOU CAN DO IT! .
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#debtfreedom #financialfreedom #financialfitness #workinprogress #inmanyways #daveramsey #myjourney #ourjourney #workhard #stayfocused #reaptherewards @daveramsey
Welcome to my story.❤️ Here’s a little about me.
•My name is Kayla.👋🏼 {My full name is McKayla. But no one calls me that expect my parents & an occasionally stern husband.😂}
• Oh & I’m married.👫 Been married for 2 1/2 years!😳
• I have 2 fur babes and lots of cute friend babies to play with. • I am 21yrs old with a whole lot of life experience.
I have been on this path in life that I’m not sure what the heck is going on. Going left, going right, going up and down. I never know which direction the new day will bring. I love life but I love hiding behind my need for organization more.😉 So here we are! Starting this new journey, getting ready to tackle the biggest restraint in our lives. #DEBT One day we woke up & decided no more. (Or something like that.🤣) So we figured out what budget plan we felt called to & have been on it since November 2018! Thank you #DaveRamsey !! So, here we go. The most open & vulnerable I have ever been with #Money and #Life .
BUT CHANGE IS GOOD!!💪🏽 You only grow when you’re being stretched.🙌🏽 Come with us and start to visualize YOUR life, the way YOU WANT IT!❤️
#NewAdventures #NewChallenges #ABetterLife #HereComesTheTruth #Life #Debt #DaveRamsey #BabySteps #BabyStep2 #Millenials #TackleDebt #Money
Sorry for being MIA ya’ll. 😞 Murphy knocked and sucker punched me when I opened the door. 😭😩 It’s truly been an eye opening experience but there is light at the end of the tunnel. I’ll update more when I can. 
#debtfreeornowhere #debtfreecommunity #debtfreejourney #debtfreeliving #intentionalliving #daveramsey #daveramseybabysteps #financialpeace #financialpeaceuniversity #babystep1 #babystep2 #debtsnowball #totalmoneymakeover
Yesterday was the confirmation that we are getting our financial life back on track! My husband and I met with a financial planner. He is part of the Dave Ramsey referral program but we happened to meet him in our business. He advised us to keep up the good work on our budget and debt payments. The biggest take away that I heard but didn’t listen to in the past “pay yourselves first”. This is why we don’t have much in investments, I never pay us first. That is changing! #goaldiggers #daveramsey #debtsucks
I’m going to be posting these monthly to keep myself accountable. .
Though we are on a journey to be debt free, we are also in a journey to save. I am thankful to say that we only have 2 small car loans that we are aggressively paying off and then we have my student loan.... yuck!!! .
We just moved which required us to dip into savings. Before our first mortgage is due we are trying to replenish our savings as fast as we can. .
We had a great month saving wise, next month I plan to put $225 more towards my student loans minimum each month. I am so over student loans and the ridiculous interest on them!! .
Wherever your starting from, be proud of the small achievements. For a while I was only putting in $175/per pay period and just maintaining our savings account. Once we have to pay our second mortgage less will be able to go into savings so we are capitalizing on this time. .
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#budgeting #budgetplans #sinkingfunds #debtfreeplanning #plannerbabe #plannersgonnaplan #ashleymarieplans #budgetbypaycheck #thebudgetmom #debtfreecharts #spendingtracker #cashenvelopes #savingsgoals #debtfreejourney #finance #success #daveramsey

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