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#daveramsey

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After taking two weeks off of my debt free journey to move, I finally paid off my third student loan (only took two weeks)!! 🥳🥳🥳 my fourth student loans will be paid off in two more weeks!!!
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#daveramsey #daveramseybabysteps #debtfreecommunity #debtfreejourney #studentloandebt #debtfree #studentloans  #debtsnowball #debtfreegoals #gazelleintense #sheworkshardsavingmoney
Are you on the right path to financial freedom? Take my quiz to find out (link in bio). You can also share with a friend to see how you compare. DM me and let me know how you did. I'm always curious to see where people are on their financial journey (no judgment here). #DollarsPlusSense .⁣
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#financialfreedom #wealthbuilding #investments #Debtfree #debtfreecommunity #Daveramsey #Debtfreejourney #budgeting #budget #personalfinance #debtfreeliving #savemoney #makemoney #youneedabudget #financialpeace #debtisdumb #Savingmoney #budgetlife #money #moneymanagement #Saving #goalplanning #Financialgoals #goals #Financeblogger #finance #finances #moneytips #financetips
YASSS I got such a redonk bargain @targetaus 😜🤯😯 this cute dunlop pleated skirt was only $2. ONLY $2 GUYS. What madness!!! Also soz that for some reason I'm making this outfit look so slutty lolol. I was trying for cute sporty vibe but I think I crossed over to sluttown pretty fast 😂😂😂 ah well, I'll own it! 
#targetclearance #target #targetdoesitagain #targetfinds #dunlop #barefootinvestor #sale #budgetshopper #curves #targetsale #bargain #loveyourself #daveramsey #ownit #liveyourbestlife #converse #bargainshopper #budgetstyle #affordablefashion #affordablestyle #targetstyle #frugalcommunity #frugal #savingmoney #funvibes
GROCERY TRIP 8
#30days #bigfamily #budget #budgeting #challenge #datenight #daveramsey #day26 #family #feedingafamily #finances #GROCERIES #homemade #howto #mealplanning #meals #menu #moneysaving #monthlybudget #onabudget #planning #recipes #SAVE #SAVING #shopping
Our last grocery trip of this 30 day budget. We went to our local Lin's Grocery story- Lins is a Food Club brand store (formerly Western Family) This trip our purchases included: 2- 24 pack of Pepsi- $4.99 each on sale3 loaves of wheat bread- $1.89 each3 specialty sodas (for fun) - $3.172 boxes of 20 hamburger patties- $10.99 each3 blocks of cream cheese $1.39 each5 dozen large eggs- $6.993 gallons of milk- $2.09 each6 bananas- $2.052 bags of mandarin tangerines- $2.99 each1 bag of 32 string cheese- $5.192 loaves of garlic bread- $2.99 each Total cost for this trip: $79.75 Running Total Budget for the 30 days used: Groceries purchased: $646.85 Groceries used in meals: $280.75 Date Night: $99.33 Pizza: $94.29 Our budget for these 3 for the 30 days is: Groceries- $600, Date Nights- $100 & Pizza- $100 Since we may not use all the groceries purchased in this time, and will be using some things we have on hand already, we will be tracking both the running total of the best estimated cost of meals each day as well as the cost of groceries/date nights/pizza purchased during the 30 days.
Link: http://what8ate.com/budget/30-days/grocery-trip-8/
I probably posted about planning once a week and it’s super important! And I promise I cannot stress about how important it is to have an emergency fund! .
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This past week my company messed up $500 out of my paycheck can you say yikes?! If I didn’t have my emergency fund I’d be in huge trouble!  We plan out our budgets every other week and do weekly check ins. How do you maintain your budget? #cashisking #etsysellersofinstagram #debtsnowball #etsy #etsyseller #daveramsey #rachelcruze #emergencyfund #babysteps
🌷$120 from umpiring school selections back in March 💰
🌷$44 ‘savings’ for doing early bird city2surf family rego (this is a tradition I have done every year with my daughter since she was in my 🤰💰
🌷$25 grocery savings for purchasing an e-wish card for the fortnight 💰
🌷$17.33 from today’s grocery shop (to be transferred) 
Almost half way! 🏋🏼‍♀️🏋🏼‍♀️#bundleseven #the1000dollarproject #1000dollarproject #sugarmammatv #thebarefootinvestor #thebarefootinvestorforfamilies #sidehustle #savings #savingschallenge #debtfree #debtfreenjourney #debtfreecommunity #daveramsey #daveramseybabysteps #debtfreegoals #goals #mindfulmoney #mindfulliving #beyourowncaptain
So, something that we have learned is to always expect the unexpected when it comes to planning your budget. We had heard this term before and never took it too seriously because let’s face it, we were new to our #debtfreejourney and we hadn’t had a visit from Mr. Murphy yet. We were naive.
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Well, this month that has all changed and it gave our budget a one way ticket in the wrong direction. We had a leak in our patio roof, so Kyle attempted to fix it. It worked for a day and the next big rain (like thunder shaking the house type storm) it started leaking (well pouring) all over again. So, there went more money that we didn’t have budgeted. After those two hits to our budget (fingers crossed it is fixed) we also had a few other things come up we weren’t expecting and didn’t budget for. So, long story short(ish) we didn’t do a great job of expecting the unexpected and Murphy got us.
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We are over budget this month. There’s nothing else to say but to own it. We won’t be putting as much as we had hoped towards our debts, and as the last weeks of the month have began we have decided to not let these facts take the wind out of our sail. We have decided to learn from our mistake and EXPECT THE UNEXPECTED in our future budgets so we can tell Murphy to pack his bags next time he visits!
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#debtfreecommunity #debtfreejourney #murphyslaw #budgetplanner #budget #budgetplanning #learning #growing #growingembicks #learningtobudget #budgettip #daveramsey
Looking to take control of your finances? Are you living paycheck to paycheck?

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#financialpeaceuniversity #debtfreecommunity  #budgeting #financialcoach #registernow #financialdecisions #moneymanagement #wealthbuilding #changehabits #accountabilitypartner #daveramsey #takecontrol #paychecktopaycheck
8) Aksesoris & Pernik Buatan Tangan
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Yg diobral Rizka @toko_nyonya_liang kapan hari tu kubeli semua. Ini salah satu titik lemahku. Kalau dipikir-pikir sebetulnya bukan aksesoris atau perniknya karena nggak semua aksesoris/pernik bikin mupeng. Masuk ke toko merchandise-nya Hello Kitty gitu, disuruh milih, dibelikan, kuminta mentahannya aja.
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Pada dasarnya pinginku dipicu desain-desain tertentu, warna-warna tertentu dan bahan-bahan tertentu. Mau itu aksesoris atau perabotan, kalau desainnya sederhana/klasik/nggak pasaran dalam warna-warna alami dan terbuat dari bahan-bahan alami atau kalau toh bukan dari bahan alami secara keseluruhan berkesan alami, bikin kalap.
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Kalap mungkin bukan kata yg tepat. Nafsuku memiliki barang makin lemah seiring bertambahnya umur. Mungkin karena makin paham sama seleraku sendiri. Barang yg sesuai seleraku nggak banyak. Nemunya susah.
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Karena selera yg "susah" itu juga, beli/milih/makai barang jadinya nggak asal kalau nggak bisa dibilang rewel. Yg membedakanku dg kebanyakan orang: rewelku bukan di baru-bekasnya, branded-nggaknya, mahal-murahnya, tren-ketinggalan zamannya barang tapi di desain-warna-bahan suatu barang. Mulai dari barang kecil seperti cincin sampai barang besar seperti mobil dan rumah.
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Mestinya konsistensiku di desain-warna-bahan yg sangat spesifik itu yg mengalihkan perhatian pada umumnya orang dari murah-mahalnya barang-barangku. Bertebaran orang yg barangnya mahal-mahal tapi tetap aja nggak bisa nutupi selera yg payah atau nggak punya selera (=disetir sama tren). Orang yg nggak punya selera atau nggak ngerti seleranya sendiri sangat gampang dibikin pingin sama iklan dan strategi marketing.
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#belibelinyamama
I am so excited to start this tomorrow morning! Planning on waking up early for some kid free "mom time" and diving in to this and my daily devotional every morning. 🥰
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#debtfree #daveramsey #financialpeaceuniversity #fpu  #babystep2 #debtfreecommunity #sinkingfunds #freedom #debtisdumb #daveramseybabysteps #motivated #familyfirst #whateverittakes #contentment #debtfreecommunity #debtfreejourney #gazelleintense
Bargain shoes ✨💸 I scored both pairs for $15 with @spendlessshoes buy one get one 50% off sale. It included sale items so I snapped these up. I love slides and hardly wear sneakers/heels so these are going to be well worn. Retail price: $29.99 each, so a saving of $45 if I were to buy full price (haha! I’d never do that) ✨🌸
A reminder that just because it works for one person, or loads of people, doesn’t mean it will work for you. Budget and money is so personal, I am always happy to share what I do (very lazily do) to budget and save - I don’t have many accounts or funds etc. I just save in one place and spend from 2 places (credit card and ING account to get 5 transactions per month). I keep it basic because too many numbers and restrictions cause me stress. But it’s a game you need to play until you work out what suits you and your needs. // also same for when you’re sharing your opinion with others, remember it’s yours and not theirs - you aren’t always right. 💸✨🌸
APRIL SAVINGS: No more paydays left this month so this is my  total $ saved for April. Not a massive number but I paid out my debt in full early in the month so am happy to be in the positive figures!
🍅 Low carb lunch with food I already had in the fridge 🍳
- Grilled asparagus and tomatoes
- Iceberg lettuce with olive oil, lemon and garlic
-Triple smoked ham and scrambled eggs
Took five minutes to prepare and one second to eat 😏
#lunchideas #cheapeats #frugal #frugalcommunity #frugalliving #healthyliving #healthyplate #happyeats #whatsonmyplate #weightlossjourney #daveramsey #barefootinvestor #savingmoney #balanceddiet #dfc #healthyeating #easycooking
Time to break out the seersucker! This jacket was purchased new with tags for only $8.00 on Poshmark.com - My thrifting adventures: https://splurgefrugal.com
Why am I awake at Midnight? Today (yesterday) I made 15 rings, 6 cuffs, etched a signature piece, and stamped 2 necklaces. I should be sleepy, but here I am, scrolling through IG to learn more about budgeting. I already follow @thebudgetmom , anyone have someone they love to follow that is all about budgeting? I use my iPad Pro and Goodnotes to track our expenses and getting rid of our debt.  Give me some pages to follow to help me on our debt free journey! #dturnerdesigns #debtfreecommunity #debtfreejourney #notquitegazelles #morelikeelephants #budgeting #familyof6 #daveramsey #shoppingonline #ilovetobarter #payoffdebt
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I got my car serviced today and it was such a good feeling being able to pay for it using cash. The money came straight out of my car maintenance sinking fund. Each fortnight I add cash from my pay to the cash envelope ✉️ and that way when the time comes to service my car, pay for registration or insurance and buy tyres etc I have the money ready to go. Knowing I’m organised with this part of our budget is such a stress reliever!
This Little Darling is loving a sense of pride and duty. Started teaching her how to scoop the food yesterday and feed the dog and she did it perfectly today. It brings me joy to watch her gain this sense of desire to help and be of service. She pulls things out of the dishwasher for me to put away, she helps me change over the laundry, she helps clean up her toys. Babies first chores :) what did you start having your kids do as part of family chores ?  #choresforkids  #daveramsey #mom #girlmom #duty #pride #hardwork
* Boho Vibes set #2 . *$12.00 (5) Cash envelopes . *$3.50 Shipping .

These cash envelopes are handmade. The dimensions are approximately 7x3.5 inches. As pictured, there is no flap closer. The envelopes have an opening lengthwise for easy access. 
Please reference photos to see the envelope pattern varieties you will be receiving. I will be sending 5 distinct envelopes to make it easy for you to distinguish between your saving categories. If you absolutely want a particular pattern, please message me to see if it’s available! 
I have many other themes available in my store! 
Please also note that because these are made by hand, there may be some slight imperfections that do not take away from the functionality of the envelope. 
Thank you!  #cashenvelopestuffing  #cashenvelopes  #budget #budgetplanner #daveramsey #daveramseybabysteps #financialfreedom #debtfreecommunity #financialpeaceuniversity #cashenvelopesystem #bohostyle #cashisking #debtsnowball #etsy #etsyshop #etsysellersofinstagram #etsyseller
If you have debt, quickly save $1,000 for a starter emergency fund. Once you've paid off all debt except for your home, save up a full emergency fund of 3-6 months worth of expenses. This money saved will give you a HUGE sense of security to move forward and accomplish the rest of your financial goals. #repost #reposting #financialgoals 
#debtfreecommunity #emergencyfund #daveramsey #budget #financialfreedom #besmartwithyourmoney #debtfree #emergency #fundamentalaccount #fin #makessense #budgeting #tips #money #moneymoves #financialindependence #financialindependencenumber #planning #planahead #unexpectedemergency #la #getyourmoneyright #nomoredebt #losangeles
This book is changing the way I view money 💵 💵💵💵 #FPU #DaveRamsey
I won the Tootsie lottery. I paid $45 tickets start at $79. #debtfreecommunity #debtfreejourney #daveramsey #budget #save #spend #give #financialpeaceuniversity
And just like that $7,171
I have like 11 pairs of jeans or something crazy like that, so I decided to make a fb page purely just to help me sell my clothes 💰 I’m practically sitting on a gold mine in my wardrobe
Today marks another big day for Jessica and I. We are as Dave Ramsey says "Living like no one else, so we can live like no one else." We are paying off debt with gazelle like intensity. We paid off my student loans in full today. On our weekends, we normally hike, but this weekend we built. We put together this little coffee table, which was a dream of mine. Jessica has been helping me achieve all my dreams and I friggin love her. Together, there isn't anything we can't do. Now we just have to sell our car!

#utah #utahgram #utahgrammer #instautah #igutah #utahspots #beautahful #utahisrad #wheredoyouroam #livelevated #werutah #utahlifestyle #daveramsey #debtfree #sosoon
He finally did it! 😂 he finally sold it after it’s been sitting there for almost forever and a day
It's hard starting a business. Was even harder keeping this business debt free while also paying off student loans and two mortgages. But finally, I'm here and thankful to everyone who has supported this journey! So yes, I will be taking some unplugged time off (for the first time in years) to celebrate! But don't fret, the awesome team (Brittnee, Kristy + Hannah) will be holding down the fort this week while I'm practicing self-care 💜 Thanks in advance for showing them the same love 🧡 xo, Bernadette
Our belated easter plans to go away have been foiled. I’ve picked up a lot of hours at my side hustle this week and next week. I’m going to be super tired that’s for sure!
There’s some great posts on the #debtfreecommunity about the power of compound interest and importance of investing.

However, most of us are focusing every day, week and month on working the #budget and paying down #debt. But every once in a while you have to step back and remember your “why’s”. Take a few minutes and #dream a little with one of these online investment calculators.

It might just blow you away when you see numbers most people don’t think are even possible. Think of what you could do and how many people you could help. It might also get a reluctant partner on board.

And it might just give you the extra boost you need this month. .

Give this a try for 5-10 minutes.
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#budgeting #debtfree #liveonpurpose #financialplanning #investing #retirement #giving #saving #financialfreedom #financialindependence #investment #intentionalliving #savingmoney #finance #minimalism #moneymoves #studentloans #livethelifeyoulove #workhardplayhard #marriagegoals #relationshipgoals #daveramsey #frugal #organized #motivation #change
Hubby’s pay finally came through! He already spent $590 of it and the rest is going on debt 💸
We spent our Saturday morning at a 5K supporting a charity that we frequently donate to. We find it important and the least we can do to give back each month. I know a lot of people wonder if they should continue giving while paying off debt/mortgage or saving for something. It’s really a personal preference and what makes your heart feel good. This is something we’ve continued doing while paying off our mortgage and it makes us feel really happy each month!
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What are your favorite charities or causes you like to donate to?
BEWARE! We've only been debt free for a few weeks now and I'm already seeing some of my old habits creeping up. It is SO EASY to fall back into debt and it takes a lot of discipline to keep out of it. Reminding myself today to watch out for the lifestyle creep #CrushThisDebt #millionairemindset  #debtfreecommunity @winrateconsulting @yes_we.are_crazy
I'm due to make my next hair appointment this week and that reminds me...
...of how much of a fucking freak I am 😐
The link to my book is in my bio if you want to read my other embarrassing moments but I recommend giving it a miss 
#textpost #embarrassing #indiewriter #bookstagram #indiebooks #funny  #savingmoney #frugal #frugalcommunity #daveramsey #awkward #hairdresser #barefootinvestor #imacreep #published #authorsofinstagram #reallife #bargainshopper #budgetbabes #relatable #dfc
🙀 A full list of #militarydiscounts .... ugh 🥰 check out dealhack.com
Having a goal to work towards is so much more motivating!
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Bring on 2020!!!
We’re back after a few weeks holidays and I’ve definitely got the ‘post holiday blues’ 😔 Our budget was totally blown and the credit card got a massive workout. I’m dreading balancing the budget and adding up all the purchases 😩 We did have a fabulous time and made some very special memories with our family, so it’s not all negative 😍😎😊 We hope everyone had a lovely Easter 🐣 ⛪️ What have we missed?
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#ourbudgetingjourney #consumerdebt #perspective #stress #howtoadult #change #raw #accountability #debt #moneymatters #debtfreecommunity #debtfree #debtfreelife #debtfreejourney #budget #budgetlife #freedom #babysteps #daveramsey #barefootinvestor #financialfreedom #financialgoals #ozdebtfreecommunity #ozdebtfreejourney #debtfreecommunityaustralia #sharingiscaring
I finally had the chance to close down my last two remaining TD bank accounts. Don’t get me wrong, I loved the customer service and the convenience they provided. But did not enjoy paying maintenance fees, when I could have online banking that is 100% FREE! After starting this total money makeover, I learned that even saving a total of $9.99 per month {which I was spending on these accounts combined} and putting it towards debt, makes a big difference over time. Do any of you pay for bank maintenance fees ? If you do, how much ? 🍃
#debtfreecommunity #budgetnerd #debtfree #totalmoneymakeover #debtfreedom #budget #babystep2 #daveramsey #savings #freedom #maintenancefees #minimalism #freebanking
So my side hustles have been pretty slow for the month so far, I’ve only made one sale on Facebook market place and I can’t cash out on pureprofile again until next month 😒 Drop any ideas down below on what you do to add to your income ⤵️ because unfortunately retail assistant managers don’t earn that much 😂
🤪🤪🤪 Super fun. Once you see your debt decreasing, become debt free, and start stacking Cash to live life on your terms! •

You must have a long term vision to see this budget thing through! I didn’t fall in love with budgets day 1, but it was the number 1 reason Alma and I were able to become debt free and save $100,000 in only a few years. #DebtfreeCommunity #Debtfree #DebtfreeAF #Budget #Adulting #Broke #Money #Bills #Rentdue #Payme #Cashflow #Biggerpockets #Savings #DaveRamsey #Livelikenooneelse
Have you ever heard of the TDY curse ?  If your military then you know what I’m talking about.  It’s basically Murphy’s Law for military families .  If the soldier is gone for an extended period of time, SOMETHING will happen.  It is just a rule. My husband ( Army) has been gone for about a month and still has some time left before he gets home .  In that month- our dishwasher broke and our  mower broke multiple times.  This sweet, capable 15 year old Army brat has fixed both. I am amazed by his skill and grit to get it done while his Dad is gone .  If I’m being honest , I have 5 very capable ,amazing kids but this boy deserves all the praise this trip.  Not only has he saved us major money in repairs , he has learned some major life skills for when he has his own family... and that’s what it’s all about .  #debtfreejourney #debtfreecommunity #daveramseybabysteps #daveramsey #debtditchers #frugal #diy #fixityourself #lifelearner #bigfamily #debtsnowball #debtditchers
On Easter Sunday, we made the final car loan payment on one of cars. PAID IN FULL, so grateful!!!
Month by month we are making progress on our #debtfreejourney #financialfreedom #moneygoals #debtfreecommunity #debtfreesnowball #debtfree #debtfreedom #daveramseybabysteps #daveramseybudget #daveramsey #debtfreegoals ##babystep2 #budgetplanner #sinkingfunds #cashenvelopes #cashenvelopesystem #payoffbills #cashenvelopewallet #budget
Ohhhhhh yeah! The numbers have cleared and we paid $4138.57 towards debt this month.  We have paid off 8.47% (a little over $25,000) of our debt in the last 4 months 😬. We still have a long ways to go but we’re doing it👊🏼💪🏼. I’m so excited for May because it’s a 3 paycheck month for me so that just means bigger payments towards this monster. How did you guys do this month? Need an accountability partner? I’ve got you!
How does one make bath bombs? 🤷🏼‍♀️ my 4 year old is obsessed with them and keeps using all my good lush ones hahaha this is a habit I can’t afford for him 😂 #debtfree #debtfreecommunity #daveramsey #scottpape #budget #saving #goals #creditcards #debt #money
With two dogs, the pillows on my couch had seen better days. A new couch/new pillows were not a priority and thus were not in the budget. However, in a trip to @ikea this weekend with Mike’s family, I found four pillow covers ($3.99 a piece) that turned out to be a great way to spruce up my living room at a minimal cost!
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#debtfreecommunity #debtfreejourney #daveramsey #frugal #cashflow #budget
Everyday we need to push ourselves to keep our eyes on the goals and dreams we want to achieve. You can do anything with a little bit of planning and a lot of hard work. Thank you Dave Ramsey!

#planning 
#motivation 
#goals
#daveramsey 
#TheTotalMoneyMakeover
#achieve 
#hardwork 
#EliteSocietyNetwork 
#mentor
#mentee 
#mentorship
ORDER SOME CASH ENVELOPES ✨💸 Using cash during my monthly budget has seriously changed the game for me! I was inspired by Dave Ramsey’s cash system and from there have found many other people that follow similar budget methods.

How do you use these cash envelopes?
- Think of all your monthly variable expenses such as groceries, gas, eating out and maybe coffee! Set a budget and withdraw the money in cash and only use the money designated for each category! 
TIP: BE VERY SPECIFIC WHEN IT COMES TO MAKING YOUR CATEGORIES. For us ladies we usually categorize hair, nails and toes under beauty but keep it separate to maintain a well balanced budget!! If you guys want more details or need any help/guidance just send me a message! I’ll be more than happy to help ☺️ #cashenvelopesystem #cashbudget #cashenvelopes #daveramsey #budgeting #expensetracker #cashonly #savings #diy
Weekend side hustling to fund our babysteps!! Earnings will be deposited on Wednesday and I will taking the cash out to add to our starter emergency fund.

It’s not much but I feel so blessed that I am actually able to generate extra money to fuel our debt payoff efforts.

What’s your side hustle? 
#debtsnowball #debtisdumb #nomoredebt #debtfreedom #savingmoney #debtfreecommunity #debtfreejourney #babysteps #babystep1 #totalmoneymakeover #thetotalmoneymakeover #financialpeaceuniversity #emergencyfund #daveramsey #sidehustle #debtfreedom #frugalliving #livelikenooneelse #savingmoney #changingourfamilytree #debtfreegoals #savingsgoals #normalisbroke
Do you use a budget?
I used to be afraid of adjusting my budget. I thought it meant failure.
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Until I realised that having unrealistic numbers that I can't meet was the actual failure.
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I thought that a budget was a consistent set of numbers but I have realised that each month, even week is different.
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I do my budgets once every 2 weeks. I pay my phone bill monthly. Therefore my phone expense is higher one budget and lower the next.
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This is just one example of how things can change.
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Be flexible with your budget. Let your budget fit in around you as much as you are fitting yourself around your budget.
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#debtfree #debtfreecommunity #debt #debtsucks #daveramsey #babysteps #daveramseysbabysteps #debtfreejourney #mydebtfreejourney #overseasexperience #oe #iec #internationalexperiencecanada #canada #travel #budget #budgeting #debtfree #debtsnowball #debtfreegoals #debtfreeliving #debtfreedom #financetips #savingstip #warrenbuffett
Y’all... I am starting to get excited... we’re down to just 2 loans and I finally feel like the end is in sight!! #debtfreecommunity #debtfreejourney #debtfree #debtfreeaf #dfc #daveramseybabysteps #daveramsey #newlyweds #goals #dfcdfw #debtpayoff #babysteps #babystep2
Does anyone else get excited when the bills arrive?! I never thought I’d be this excited to receive a bill... EVER. Now I’m like YAAAAASSSSS, bring me ALL my bills!! 🤣
On my way 😂😂😂#daveramsey #babysteps #imbroke #financialfreedom
A few weeks ago we ordered a pizza (with our entertainment fund). I ordered a specialty pizza and added a few extra toppings for an up charge, totaling around $25.

I picked up the pizza and drove home only to realize it was not the pizza we ordered!

We have $100 a month for our entertainment fund which includes eating out. I spent extra money for extra toppings and I wasn’t about to let that money be wasted - ya girl is on a budget!

Needless to say, I called to tell them about the issue, and they offered us a free pizza in return.

I would have NEVER called back to discuss this issue before I began budgeting BUT now I’m serious about our money!
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Today, we cashed in our free pizza and it felt so good!

Do you have a similar story?! I know I can’t be the only budget crazy girl out there!

Share your story in the comments below! ↓ ↓ ↓
Hello #debtfreecommunity. I had a lovely instagram break for lent. But I’m back. We’re still in stork mode for a few more weeks. Been sticking to the ole budget. I’m finishing up that postpartum depression & anxiety program. It was a godsend. I’m doing much better mentally. Thank you to everyone for their kind words and support. If you too are suffering from postpartum mood disorders, message me. I can listen. #debtfreecommunity #dfc #daveramseybabysteps #daveramseywouldbeproud #debtsnowball #daveramsey #debtfreejourney #debtisdumb #debtisnormalbeweird #cashflow #budget #ynab
I spent $10,000 and it literally changed my entire life. Full video link  in bio!! #money #smart #financialfreedom #daveramsey #rich #wealth #happy #hope #inspired #youtube #vlogger #iammunyan
$3,268 sent to debt this month. It doesn’t feel as exciting this month but we did! One month closer. #livingthatbudgetlife #debtsnowball #daveramsey #daveramseyplan #debtfreejourney #debtfreecommunity
Another awesome Financial Workshop in Cincinnati, Ohio. 
I met an awesome Life Coach @nieceyfreeman tonight! Be sure to follow. 
Make sure you click the link in the bio to register for the next Financial Workshop happening this Thursday 25th @kentonlibrary @7pm
Finally updated our numbers! We have 8, possibly 9 more paydays until our vehicle is paid off! 🙌🏼 Hoping some extra shifts come available at work to bring that number down to zero faster! 
#daveramsey #daveramseybabysteps #babystep2 #debtfreecommunity #debtfreejourney #debtfree
Total debt update! It's crazy seeing these numbers and so many at $0! 😱 The way we were travelling a few years ago, I would have never thought we would be debt free. Everyone who's paying off debt knows how tough the sacrifices are and how gruelling the whole process can sometimes be, but we know the end result is so worth it.

Next week, we will be paying off credit card 2 and closing it off for good. It was opened as a balance transfer so we never intended to use it for anything other than paying off debt with no interest charges. After that, our focus shifts to our last and oldest credit card, but the debt pay off won't be as aggressive as it's been over the last four months because in May we'll also be building up our emergency fund!
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I used to love getting the latest new gadget, phone or item. Did it make me rich? Nope, it made me broke 🙄 now I could care less #sellallthethings .
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#daveramseybabysteps #cashenvelopes #cashenvelopesystem #daveramsey #babysteps #sinkingfunds #debtisdumb #teamtinyshovel #debtfreecommunity #debtfreejourney #debtfreecommunitycanada #dfc
Did you know that buying bottled water 💦 is 600 times more expensive than tap water? So get yourself a reusable drink  bottle 🧂and fill it up at home. Your wallet and the environment will be grateful! 👏
The list so far... I’m a huge fan of reading so I’m confident this list will evolve throughout the course of the year, but these are the ones which seemed interesting enough to get me started. Any other recommendations? 
#debtfreecommunity #ozdebtfreecommunity #debtfreecommunityaustralia #dfc #frugalliving #frugalmama #budget #financialfreedom #barefootinvestor #bfi #debtisdumb #daveramsey #sixfiguredebt #financebooks
Inspired to get into the Dave Ramsey plan! #herewego #daveramsey #financialgoals #moneymatters #adultingdoneright  #wecandothis💪
Tonight I had a paper towel with my dinner... We have been working twords a goal of being debt free for the past 22 months by using Dave Ramsey's plan. During this past 22 months paper towels were off the grocery list. It was an expense that I couldn't justify. This became a joke with my family and friends and became a symbol of our determination.  We said no, we stayed home, we skipped gifts and tickets, we ate in and we did without some things that we wanted. It was hard at times. BUT... it all paid off. Today we paid off our house and wrapped up our debt free journey. Then we celebrated by each getting a napkin with our dinner. 
WE ARE DEBT FREEEEEEE!!! Thank you Dave Ramsey for the tools, Bradley for sticking in there with me, my family and friends that supported me and most of all thank you Jesus for the blessings and lessons you provided. 
Now on to baby step 3. 
#daveramsey #financialpeaceuniversity #debtfree #livelikenooneelse
Nighttime kitchen reset. Just about time to get ready for bed. My kitchen is one of my favorite parts of our home ❤️ ps. I know my tulips are dying but I just can’t part ways yet 😰 #daveramsey #debtfreejourney #debtfreecommunity #kitchenreset #minimalistinthemaking
We made the switch from a PPO health insurance plan to a CDHP plan with an HSA (Health Savings Account). We've had the PPO plan for the last 6 years. It was affordable and had low copays while getting out of debt. ⁣
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Now that we're debt free, we evaluated both of the plans and decided to go with the CDHP plan. Our company contributes $250 to our HSA right off the bat, and we plan on maxing them out for the year. ⁣
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The PPO plan was $68 per person each month. The CDHP is $0 per month, but we will be saving $125 pre-tax into our HSAs (each). Cost difference: $57 more each month per person. ⁣
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Fun fact: since Josh and I work at the same company, we each have our own insurance. They aren't able to combine our plans since we're both employees. ⁣
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Health insurance is confusing and not fun at all. I'm thankful that we have a helpful benefits tool that goes over both plans in detail and helps us pick the best one. ⁣
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What all do you use your HSA account for? Share all your secrets!⁣
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#debtfreecommunity #debtfreeinsunnyca #livingthatbudetlife #daveramsey #debtfreejourney #financialfreedom #debtfree #personalfinance #budgeting #financialsuccess #moneytips #moneygoals #budget #daveramsey #babystep1 #babystep2 #babystep3 #debt #zerobasedbudget⁣ #HSA #PPO #healthinsurance
Not worrying about how we’re going to pay for Maxton’s dental procedure tomorrow, and Xavier’s oral surgery at the end of the month.
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We’re not debt free yet, but budgeting provides us freedom to schedule oral procedures without fear of wondering where the money is going to come from to pay for it all.
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What does financial freedom mean for you?
Anyone else get the absolute best Easter Basket from their sister this year?!?!? 😂😂😂 She knows how to get to THIS mama’s heart! ❤️
I bet you can guess what Sunny’s favorite chore is... Taking out the recycling! Happy Earth Day everyone! •
#sunnythesloth #happyearthday #recycling #personalfinance #smartkids #daveramsey
One thing off of my bucket list. Meeting #daveramsey and him signing my book.  Hopefully in another heat we can do our debt free scream.  #debtfreecommunity
When I was in first and second grade, my mom gave her kids an offer. She would get the Sunday newspaper and we could clip coupons. We didn’t have to clip the coupons but if we did and she was able to save on groceries, mom would give us half the savings. Adding to the lesson, if we saved our money and put into our bank account mom would match whatever we saved. Some weeks, we saved a few nickels and some weeks a few dollars. Over time it added up and it was the essential value of saving that mom taught us in a fun way at a young age. Well, coupons have evolved but I think mom would be proud that I practice the value of saving (this is in addition to the 5% 🎯 card discount😃). And it’s a value that I am passing onto our young boys.
Happiness in marriage is not something that just happens.
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A good marriage must be created. In marriage the little things are the big things.
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It is never being too old to hold hands.
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It is remembering to say “I love you” at least once a day.
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It is never going to sleep angry.
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It is at no time taking the other for granted; the courtship should not end with the honeymoon, it should continue through the years.
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It is having a mutual sense of values and common objectives.
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It is standing together facing the world.
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It is forming a circle of love that gathers the whole family.
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It is doing things for each other, not in the attitude of duty or sacrifice, but in the spirit of joy.
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It is speaking words of appreciation and demonstrating gratitude in thoughtful ways.
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It is not looking for perfection in each other.
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It is cultivating flexibility, patience, understanding and a sense of humour.
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It is having the capacity to forgive and forget.
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It is giving each other an atmosphere in which each can grow old.
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It is a common search for the good and the beautiful.
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It is establishing a relationship in which the independence is equal, dependence is mutual and the obligation is reciprocal.
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It is not only marrying the right partner; it is being the right partner.
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The Art Of A Good Marriage by Wilferd Arlan Peterson
I think I’m I my going to show the daily reconciliation for this month..... nothing happens. On BS2 I’d make payments to debt almost everyday. But now that I’m on BS3 there is not interest so I wait till Thursday’s.

#justbabystepping  #debtfreejourney #babestep3 #babystep3b #goals #daveramsey #debtfreecommunity
I don’t know how we are going to do it. I may need to take some risk and look into flipping cars again. I want to make sure we do this right. Big step for us but I am confident we can hable it.

#justbabystepping  #debtfreejourney #babestep3 #babystep3b #goals #daveramsey #debtfreecommunity

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