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thanks for being my bff + my partner in crime 🖤⚡️ love you long time! #TNTWilliams
Every January we make a promise to ourselves that this year will be different. Sadly no matter how hard we want it we sometimes fall short. 
The key is to make a plan. If we count our steps and calories everyday, why don't we count our dollars? 
Start small and simple. You don't need to create a fancy budget, get a financial planner or download some app you will open 3x before finally deleting. Just pull up your credit card statements and circle all the charges that were not "needs". Total them up and then decide on a goal. Sometimes we are too casual with our swiping and don't realize the damage until it's too late. 
If there's a bunch of Starbucks charges then maybe commit to having only going there on Mondays #mondaybucks 
Be the change this year. Just believe and commit. You will soon get rid of all that #debt and be #financiallyfree 
#financialadvisor #savethatmoney #debtfree #debtfreecommunity #smartgoals #payoffdebt #budgeting #budgetplanner #budgetingtips #wordtothewise
Thanks to the #debtfreecommunity I now know what a sinking fund is! Setting up these 5 sinking fund categories had eased my mind about only having a $1,000 emergency fund. I’m hoping we’ll be able to put $80 per month in each envelope (we don’t have a medical sinking fund since we have funded an FSA for the year with $2,000)

Do you have sinking funds? If so, what categories do you have?

#debtfreecommunity #debtfreejourney #daveramseybabysteps #babystep2 #sinkingfunds #livelikenooneelse #daveramsey
#10yearchallenge from oh god ~high school~. This was back in 2008-2009 when the actual recession hit and my mom was out of a job. It was #halloween and my high school was having a Costume Contest.
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I didn’t have the popularity to do a group costume and nice costumes can be >$50, which was out of the budget of a broke high school student. So I took a leaf bag and food bank bag and made a go for broke costume. 💸
The back says “It’s the recession, I can’t afford a costume”. Guess who won the costume contest Napoleon Dynamite style? 😂😂 #underdog
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#diycostume #diy #highschool #10yearschallenge #beforeandafter #transformationtuesday #crazybrokeasians #cheap #frugalfashion #frugalliving #debtfree #debtfreecommunity #debtfreecommunity #costume #oldschool #cool #recession #paperbag
NEW EPISODE TODAY! 🚨

I’m obsessed with decluttering. It’s amazing how much better I feel when my space is tidy and getting rid of stuff always reminds me of how much I could have saved if I didn’t buy stuff I didn’t need! Our friend Lianne Hofer aka The Clutter Consultant will give us some great tips on how to declutter and stay debt free! Listen in this week's episode or catch the full video episode on my YouTube Channel! Link in bio 👌

Join my campaign to help eliminate $1 MILLION of debt and teach others how to save money, make money and earn your lifestyle! #CrushThisDebt #millionairemindset  #debtfreecommunity @lianne_hofer
Gut check. 
#debtfreecommunity 
#debtfreejourney 
#trustyourgut
So sorry for the delay!! Here are the #debtfreecommunity December numbers! December is always a tough month because of Christmas and additional expenses, but I think we did a great job! $767,296 in debt was paid off by 269 people and $226,565 was saved by 131 people. Way to go!!
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I’ve been keeping track of these number all year long. 🥁 We’ve paid off over $13,000,000 and close to $3,000,000 saved. 🎉🎉🎉 •
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Because we’ve had so many people join the community, I have two other posts adding up the total amount paid off and saved for 2018. It will be interesting to see how those numbers are different than these! I’ll post those soon. 🤗 A huge thank you to @debtfreedreamin_ for adding the numbers up! 💛
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#debtfreecommunity #debtfreeinsunnyca #daveramsey #debtfree #financialpeaceuniversity #debt #debtfreejourney #debtsnowball #babystep2 #thetotalmoneymakeover #budget #zerobasedbudget #livingthatbudgetlife
••[BUDGETING]••
•During the work week I’m rarely in the mood to make supper. I’m also one who dreads grocery shopping. To make it easier, we decided to plan out our weekly meals. •
•This saves us tons of time in the grocery store since we know exactly what we need, and it saves us from buying other things not on the list. •
•I love being organized so I have a list of everything we have in our freezers, pantry etc. This also helps when planning meals so we can plan meals around what we already have and not have to spend as much on groceries if possible. •
• This is what we have found to work best for us. Knowing we have food at home and meals planned out, it keeps us from eating out. We also plan to make enough so we have leftovers to take to lunch the next day. •
#daveramseybabysteps #debtfreejourney #debtfreecommunity #budget #mealplanning
This is my first time making banana bread. I had some bananas that were about to go bad so I thought I would give it a try 🤷🏻‍♀️ Since, I’ve been trying to use up what groceries I already have it worked out AND it’s tasty too! I have never been much of a cooker but since I quit my job in November I have been trying to cook more to save cost. Now, I’m actually starting to enjoy it! So this is a win for me today 🎉🥳 #debtfreejourney #debtfreecommunity #frugal #frugalliving #budget #budgeting
Tonight was a euphoric night for me.  We sat down with a financial planner for the first time.  We were able to understand our debt fully, the amount of time to pay it off, retirement and savings plans, and talked through life insurance.  I am so at peace knowing one month ago my husband and I started down this path, our planner re-enforced everything we knew, and taught us some things we didn’t.
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Have you ever met with a financial planner?! Pros? Cons? Tips?
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#debt #debtfree#debtfreecommunity #debtfreejourney #debtfreegoals #financialfreedom #financialdomination #financialplanner #financialpeace #debtisdumb #planningforthefuture #daveramsey #daveramseybudget #budgeting #budgetmom
Sometimes we spend our lives chasing after something someone else has, to finally get it and realize it’s not worth all the chase. It’s called “chasing the wind” and it’s foolish. 
Stop comparing yourself to others and focus on how far you’ve come! 
If the grass looks greener on the other side of the fence, start watering your grass!!! This is couldn’t be truer in the #debtfreecommunity... you will get there, you can do this! You can be #debtfree! You have to believe in you! Small steps make a big impact... keep stepping those #babysteps, and you’ll be #financiallyfree!
Making $$ on the side! #sidehustle2 is doing well this week... that last $68 just cleared tonight, and has already been transferred. I'm all about those Snowflakes!!
#debtfreecommunity #debtfreejourney #snowflake #debtisdumb #soclose
I'm truly awful at making posts@but hey January's numbers are in!! Was able to put a nice chunk towards our current snowball which is my student loan- can't wait to be done with it! Hope everyone is having a fantastic first month of the new year!
#debtfreecommunity #debtfreejourney
🎟🤰🏼👶🏽A college-savings program, called a 529 plan after the corresponding section of the tax code, now allows families to use those funds toward elementary and high school costs at private schools including those with religious affiliations. I know this is not in the order of the “baby steps” but I opened one when our daughter was born so family members can continue to contribute while she’s growing up. This is also a great way for birthday and Christmas presents. Think of 529 plans as Roth IRAs for college. They allow you to contribute funds toward your child's education and accumulate tax-free growth on your contributions. As long as you use the funds for qualified educational purposes, the earnings are not taxed upon withdrawal. Deposits are limited to $10,000 per individual per year ($20,000 for couples) to maintain gift tax exclusions. (This varies by state) Savingforcollege.com to see your state. 
However, by funneling K-12 tuition costs through a 529 program in ones state, families can claim whatever tax break is available. Parents now have even greater incentive to use 529 programs, and the number of state residents claiming the tax break could expand rapidly without a proportionate benefit to state government .……………….................................................................... ✅ 1. Baby Step: $1,000 emergency fund•
🔘 2. Currently on baby step2️⃣• .………………....................................................................
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Our current plan is to eliminate 22k in credit card 💳 debt under 36 months. However, I believe it can be done. 💳🔨 …...........................................................
#gazelleintense#creditcards#budget#babystep2#babystep1#letsdothis#incomevsexpenses#expenses#livelikenooneelse#sacrifice#momentum#intense#dave#letsgo#win#raise#giving#tulsa#taxes#529plan#invest#kids#college#debtfreecommunity#planner#plannerjunkie#planneraddict#money
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Um dos #livros que me transformaram em 2018 foi “Dave Ramsey’s Guide to Money”. É um livro incrível que ensina conceitos da #biblia sobre #dinheiro no ponto de vista de alguém que fez muito dinheiro, mas por não seguir os conselhos, teve que reconstruir sua vida do zero. Esses são os três #ensinamentos do primeiro capítulo. .
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One of the books that changed me in 2018 was "Dave Ramsey's Guide to Money." It's an incredible book that teaches #bible concepts about #money from the point of view of someone who made a lot of money, but for not following the advice, had to rebuild his life from scratch. These are the three sensations in the first chapter.
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⠀⠀ #change #success #goals #debtfreecommunity #debtfree #wealthbuilding #babysteps #financialfreedom #debtfreejourney #budgeting #educacaofinanceira #liberdadefinanceira #sucesso #finanças #prosperidade #liberdade #forcadevontade #determinacao #aposentadoria #investimento #bookaddict #bookcommunity #welovebooks #livro
I forgot how expensive was to move to a new apartment: ⁣
1. Application fee⁣
2. Security deposit⁣
3. Movers ⁣
4. Rental truck ⁣
5. Apartment’s insurance ⁣
6. Etc... ⁣
All in one month! ⁣
Glad we can cash flow all this expenses and keep saving, still hurts my wallet though!
Plant based batch cooking day! I had been feeling so chuffed about getting it down to 2 hours cos it took about 4 hours the first time I did it 6 weeks ago. The honeymoon didn't last long because I immediately cut and burned myself rushing to leave for work 🤷

Cheesy pinto beans, lemon veggie quinoa soup, sundried tomato and kalamata olive hummus, cheesy walnut crumble, banana muffins, plus some quinoa, dressing and marinated veggies. 
Bonus pic is me walking to work with an ice pack on my dumb burned finger.

#debtfree #debtfreecommunity #ozdebtfreecommunity #frugal #frugality #frugalliving #budget #debtfreeaustralians #debtfreejourney #minimalism #budgeting #financialfreedom #daveramseybabysteps #barefootinvestor #financialindepence #minimalist #finance #money #creditcard #creditcarddebt #debtsnowball #debt #plantbasedfood #plantbased #wfpb #vegan #cleanfooddirtygirl #mealprep
So I was not watching my numbers as I was juat happy to be in the DFC. But you guys... 😭😭 I am feeling the love. Just over 300 followers and so much more. You have given my encouragement, advice and support during this hard journey. 
THANK YOU SO MUCH!! #dfc #debtfreecommunity #debtfreejourney #debtisdumb #ynab #setyourgoals #ynabcommunity #budgetplanning #financialfreedom #financialpeaceuniversity #debtfree #babystep2 #debtfreein2019isthegoal #budgeting #daveramsey #setyourgoals #savingmoney #buildingwealth #moneytalk
Repurpose ♻️ Do you use old clothes 👕 to make rags?
Cutting up clothes to make rags is nothing new, but as someone who used to swear by paper towel, it is new to me. I have not purchased paper towel yet in 2019! 
I know, I know, it’s only been three weeks. I typically spend an average of $16/month on paper towel! Money saved for debt payments. 👍🏻
I considered buying it while I had guests visiting this past week and a half, but I’ve had them using rags too!
This 100% cotton oversized sweater was headed to the trash, due to a multitude of stains, including marker, food and who even knows what else🤷🏽‍♀️ I can’t believe I didn’t immediately think to cut it into rags! It made so many!
I am not precise about my cuts and any vaguely rectangular cut works for me! •
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#debtfreecommunity #zerowaste #minimalism #zerowastecollective #debtfreejourney #zerowastecommunity #minimalism_life #minimalove #minimal_hub #budgeting #frugalliving #debtfree #goingzerowaste #debtfreecommunitycanada #budgetplanning #ourplanetourhome #waronwaste #zerowasteliving #zerowastecanada #getorganized #organizedhome #sustainableliving #debtfreegoals #minimalhome #minimalistlifestyle #ecolifestyle #livelikenooneelse #keepitsimple
Audio book 📚. I’m so excited for this I did enjoy the barefoot investor even though I think I’m more team Dave. #barefootinvestor #daveramsey #debtfreecommunity #debtfreejourney #freeaudiobooks #locallibrary #ilovefreestuff
Full time job life 🤓
Real talk- I get super jealous when I see people living their “dream” working from home making workout videos on YouTube and being “sponsored”. Or selling “high end” skin care apparently making enough to live and pay off debt. I dunno, maybe they really do! 
But for me, my goal is to move up in my career in the corporate world. I work in Business Development as a #SDR  I actually really enjoy my job. But who wouldn’t want to get paid to make workout videos or talk on a podcast 😜 
I currently work full time AND I write blogs for a friend making extra $$ on the side. I also try to workout 4-5 days per week. Talk about busy 🐝. But just gotta keep grinding and paying off this debt! What do you do for work? What’s your goal?
Notice has been given! We are paid till 8/2/19 so I only need to pay another 4 days rent before we leave 😂 so you can bet your ass I’m not paying a full two weeks tomorrow morning when I get paid.
Writing down a budget completely helped shift our #moneymindset ! We created a FREE Monthly Budget template for you to download. What sets this one apart is that you have a budget spread that includes fixed and variable expenses, debt, saving and sinking fund goals ALL one page! There’s also a monthly meal plan and a #shopyourpantry inventory sheets! Tag us and let us know how your #budget is helping you! #debtfreecommunity
Just checked my credit score with finder.
But it’s different to my credit score on Equifax.
Does anyone know why this is?

I’ve put my referral link in the bio if you want to check it out. You’ll get a $5 Wish E Gift Card as well 💖
for all the women on this #debtfreejourney 🎀 ..Lack of money/resources is a reason some people stay in abusive relationships. Having your own money will ensure you always live life on YOUR own terms✨#debtfreecommunity #debtfreejourney #financialfreedom #financialstability #livelifeonyourownterms
My coach told me to be financially fit when I retire. So far my budget has done wonders for my financial health. I keep losing bad habits such as 1️⃣spending my money 💵 on unnecessary things, 2️⃣buying things on an impulse, 3️⃣borrowing money, and so much more.
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Now, my debts are getting leaner so consumer debt companies can suck it 🖕🏽Also, I’m developing new habits like spend fast (only spending when absolutely necessary), being minimalist, using cash envelopes for everything, and when I ran out of cash I just go home 🤣🤣🤣 I’m on my last consumer debt and that is payoff my car this year. So yeah You can say #intentionalliving #debtsucks 
#debtisdumb #daveramsey #financiallyfit #financialwellness #financialhealth #budget #budgeting #debtisnormalbeweird #studentloansucks #newdiet #daveramseybabysteps #debtfreecommunity .
If I don’t show up to your party or event, or I can’t help you ❗️financially that’s because I can’t afford it 😂I’m on my #debtfree mission👊🏽 #gazelleintense
I think it’s important to constantly set small goals for yourself and achieve them. This keeps you eager and motivated to keep going. What are your money goals this week? See mine below! 
1. Restock our Fridge so that we can eat at home the rest of the month. 
2. Sell 5 unnecessary items in our home (clothing, decor, junk). 3. Pay extra on a bill.
— before I went all in on #mydebtfreejourney, I casually followed some budgeters instagram accounts. I thought Wow— they have their crap together. They are making sacrifices now to prepare for their futures. I knew we had debt, I never really took a look to see how much. I never planned meals, what I needed from the store, etc. I just went with the flow.
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It wasn’t until the end of 2018. It had been 4 months since we completely moved back to Arkansas. Our income was about half of what it was in Texas, our bills were lower (but not 1/2). I knew at that moment if we wanted to be financially secure in our future, we needed to make a change and make it NOW! •
The beginning of 2019, it was time to prepare. I sat down. Wrote down my monthly bills, wrote down my debt, when everything is due, interest rates on debt, what we had in our checking accounts, savings, everything. I wanted to be as aware of all things financial as I could be so I could present this to my husband to get him on board. It didn’t take much convincing😬
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We already had #babystep1 and #babystep3 completed. It was now time to decide how to tackle #babystep2. We are doing a mixture of #debtsnowball and #debtavalanche ! We paid off all of our smaller debts right then. We are down to our last 3 credit cards. We will be paying off our lowest one and then our last two are around the same amount so we are doing the highest interest rate first!
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My journey so far is likely like so many others. Afraid to really sit down and start because once you sit down and write it all down reality sets in and you’re looking at all these numbers thinking how you got there! We can do it! We will do it! I’m so ready to make the sacrifices so my family is financial secure! I’m so excited for this journey! •
What are some of the ways you prepared for your debt free journey? #dfc #budgeting #debtfreejourney #debtfreecommunity #daveramsey #babysteps #ourdebtfreejourney
Alright all, I know it has taken a long time for me to finish. But y’all this is not a (rat) race...😂 see what I did there?

This book is fascinating. The lessons that were taught are so pertinent to today. It really has you think outside of the box when it comes to money, how you handle it etc.  SPOILERS

I love that he had the boys work, for something and then for nothing. It forced them to 1) realize they don’t need that comic book -work against desires 2) think outside of the box to make money. Everyone has the same 24 hours in a day, those who are successful seize that time. They look for the opportunities and jump on them. 
I am so into this book at this point. Hopefully it won’t be another week till I finish a chapter...#worklifeproblems  #debtfreecommunity #babystep2 #debtfree #debtfreejourney #debtsnowball #babysteps #personalfinance #debtfreegoals #financialfreedom #financialpeace #financialgoals #moneygoals #daveramsey #money2019 #financialplanning #debtfreedom #livingonabudget #budgetlife #totalmoneymakeover #debtfreebookclub #dfcbookclub
Between @bjswholesale and @target I managed to get a few things. I attempted a menu but ended up veering off once i got to the store. .
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The good part is I utilized the coupons from the monthly #bjswholesaleclub booklet. I squeezed in a case of my favorite water @essentiawater and a case of @premierprotein for my busy days. .
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I plan on carefully meal prepping and sticking to a mostly #keto way of life. .
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#debtfreecommunity #debtfreejourney #groceries #coupons #foodshopping #mealprep #menu #water #ketolunch #fitness #health #wealth #savings #budget #save #money #goals
Have your ever felt like you no longer recognize your body? That's how I felt a few months ago. I had put on weight after our India trip last May and I didn't care to reduce them or even work out for health reasons. Over time, I realized I'm not happy with my status and wanted to feel fit and healthy again (and wear those clothes I can no longer wear without showing my belly fat)
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No matter what our size is, if it bothers us, it's time to make the change. It took me a few more months to make that change. That's why I signed up for @orangetheory and it helped quite a bit to kickstart my workout journey. ⚡
I still have a long way to go in terms of feeling fit and strong. Then again, fitness is a lifelong journey and not just a short term goal. But short goals will help us keep going. ✨
My short term goal is to get rid of belly fat. Do you have any fitness goal?
Sometimes Instagram will make you do and feel funny things lol. I need to remember that this is my personal journey to financial freedom and that it’s not about the likes, comments and views or how my page looks. This page was made to keep me accountable and to find motivation and inspiration through seeing other people winning 👏🏼😍 a note to self ❤️
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‘Losers focus on winners, winners focus on winning’ 📷 @justinsua 
#financialfreedom #financialgoals #debtfreecommunity #debtfreejourney #debtfreecommunityaustralia #ozdebtfreecommunity #ozdebtfreejourney #journey #myjourney #itsnotacompetition #comeback #goals #finance #gcfrugalliving #goldcoast #justinsua #time #thetimeisnow #focus #appreciate #gratitude
Over the next few post I'm going to show how I build my shopping list & meal plan each week.
STEP 1: Each Wednesday I write up a shopping list that's detailed and a real asset as I shop. Using either paper or online catalogues start by listing the advertised specials at each supermarket. Fortunately, we live close to all the major supermarkets which gives us access to lots of variety and a broad range of specials. But, I have no store loyalty - they have to earn my money! 
Now just because I write it down doesn’t mean I’ll buy it. But listing it all gives me a good overview as I meal plan and as I shop. Most of what is written down are products we regularly buy, so I want to buy them the cheapest I possibly can - 50% off is my target.
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Have you taken time to plan before you shop? Do you utilise supermarket specials?
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#shopping #shoppinglist #food #mealplan #mealplanning #menu #menuplan #shop #groceries #supermarket #supermarketspecials #specials #smartshopping #budget #budgeting #budgetmum #livingonabudget #bargains #frugal #savings #money #frugallife #debtfree #debtfreecommunity #ozdebtfreecommunity
If it’s a digital app, I am more likely to use it to look for the deals that week and plan our groceries around it. But it has to be user friendly and an ease of use to it. But I’ve also realized, even if you just use one app, and use it loyally...you WILL save money. ~~~~
Please share with me what your favourite 🇨🇦 shopping apps 😉
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#believe #2019 #onabudget #familyoffive #homeeconomist #debtfreecommunity #budgeting #budget #debtfreejourney #debtfreeliving #cashenvelopes #cashisking #sinkingfunds #budgetmeals #onestepatatime #bitesizegoals #goalsetter #keepmeaccountable #mommy #mommylife #debtfreemilestones
For about 12 years, starting at age 5, I wanted to be an interior designer. HGTV has been my favorite channel for as long as I can remember. I love looking at homes, I love watching people transform their homes, I love how different spaces can change people. So, naturally, I have always wanted a home to call my own.
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I was browsing through homes this evening (a favorite hobby of mine after toddler bedtime), and I couldn’t help but notice some of the homes for sale that had been foreclosed on. It made me stop to think about what it must feel like to be in that situation. All it takes is one job loss, one federal shutdown, one injury that causes you to miss work - and without a significant emergency fund or help from others, a person could quite literally lose the roof over their head. It’s tough to think about how many people are one significant incident away from that, all because they wanted to keep up with Karen from Facebook.
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I know this, because if we had not found the debt free community, we probably would have been that couple. My skin used to itch with discontentment whenever I would see people my age purchase their first homes. But ever since starting this debt free journey, it has truly taught me about the importance of self-discipline, contentment, and patience. We have learned to be disciplined with our money now, so that we have money for a home in the future. I have learned to soak up every minute in this little rental that we are so dang lucky to have. I have learned that our patience will pay off. Our first home will be a blessing because we sacrificed and saved for all of the expenses that come with it - whether that’s 3 years from now or 10 years from now. Who knows. Until then, I’ll stick to window shopping 🏡
These three things are crucial and I feel like I will know for sure by March 1.
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I want my Birthday, June 15, 2019 to be my last monthly payment on my debt - and I will celebrate debt freedom!😱
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So, I have another strong 5 weeks before I can make the declaration!
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There is positivity and confidence surrounding  all 3 of these hopeful moments! 🙌🏾🙌🏾🙌🏾🙌🏾😂😂😂 .
1. Scooters - not going anywhere and I have a system down packed ! I should be done by Feb 24 with the scooter goal.✅
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2. My income taxes- based on my previous filings, my income and my business deductions - I am comfortable with that number or at least around it. .
I spent the entire weekend learning intensely about the new tax laws and each line on the W-2!✅
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#3 well, I sent in a lot of paper work, and the IMVOICE! Just waiting on that official email! .♨️♨️♨️✅✅💵
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Once all this is all confirmed (and I’m hoping some time near the end of February)! - y’all invited to my debt free party in June 😂😂😂😂🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾
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#Atlanta #sidehustle #fincon18 #collegespeaker #budget #debtpayment #debt  #creditscore  #credit #money #budget #personalfinance #debtfreecommunity  #moneymoves  #money  #studentloandebtfree #studentloans #studentloandebt #debt #money #hbcu l #financialfreedom #debtfreejourney  #hbcupride #hbcugrad  #hbcupridenetwork #debtfreelife #debtfreecommunity  #debtfreejourney #personalfinance #limejuicer #birdcharger
Nope, this isn’t the #debtfree post quite yet! 🤓
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This IS how we announced to many friends/family members that we were engaged just 2 years ago in December (with better quality images...). We had no idea what we were getting into financially. Nearly $40,000 in debt between the two of us? We had NO idea... but we also had no idea how quickly we could dig out of that hole. .
This Friday we will get the checks that will allow us to schedule our final debt payment: my last student loan. 🎉
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Today our final payment to Billy’s school collections posted. I wrote a statement approving the payment and they should mail us back a their own statement acknowledging a complete repayment of debt by tomorrow. .
Knowing it’s all so close is crazy. Honestly, I have no idea *when* we’re allowed to celebrate...!?!? I’m assuming when we get this collections statement and then see myfedloan.com hit “0”. My biggest fear is that we will schedule the payment and then like $1.75 (or whatever) of interest will be added in the day it takes to clear and then we won’t be really debt free, we’ll only be like 99.99999% debt free. 😂😂😂 #debtfreefears
Walking into 2019 like...⁣
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What’s your number 1 priority this year? ⁣
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This is a bit of a cheat... but my 1 priority is to finish my 101 in 1001 list! The basic concept is to come up with 101 goals to complete in 1001 days. This allows the incorporation of short, medium and long-term goals. Has anyone done this??⁣ 👇Comment below 👇⁣
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⁣📸: @lifethroughjenslens

#financiallyfreefemale #101in1001 #dfc #debtfreecommunity #personalfinance #goals #progress
HOUSING 🏡 
When making our budget, we have one section titled ‘Housing.’ Under this section we have 7 line items:
⭐️Mortgage
⭐️Utilities
⭐️Phone/TV
⭐️Daycare
⭐️Internet
⭐️Security
⭐️Amazon Prime

The reason we have these under housing is because they are consistent payments that are always the same. But honestly, the only true four wall items are our mortgage, utilities, daycare and security. 
I won’t say that we NEED each of these, because phone, tv, internet and amazon prime are luxuries that we have chosen to keep. But honestly if you are in the hole with your budget then these things need to be cut.

I will say though, that often times people forget that your phone plans (like the Next program with AT&T) are considered DEBT. Both of our phones are old and paid off. Trust me, I need a new phone, but I am making my current phone last hopefully until we are debt free. Then I can pay cash for a new phone. We are also on the lowest package for DirectTV and have a special deal for $50 a month. I worked my BUTT off to get that deal. Otherwise it would be cancelled.

You have to be aware of the things that you NEED vs. WANT. I am well aware that we have chosen to keep some luxuries, but our budget works well for us and we have been very successful so I don’t feel ‘too’ guilty. I’m proud of us!

Do any of you keep some luxuries on your budget but have still had successful debt payoff?

#daveramseybabysteps #budgeting #daveramsey #debtfreejourney #debtfreecommunity #thefourwalls #budgetingtips #daveramseybudget
STEP #1 of Financial Coaching Program

Initial Consultation with a DPG consultant-FREE and No Obligation - It is 90-120 min long
- Can be carried out at the comfort of your own home or our office in Rosedale
- Can be carried out in the evenings or weekends to accommodate your working hours
- Both partners must be present
- During the consultation we gather all the financial information about your situation.
- We figure out what your current challenges and concerns are
- We identify your strength and resources
- We discuss different options available to you
- Identify what you are aiming to achieve and set the deadline
- Calculate your cash surplus/deficit
- We share our knowledge about financial and property market, different opportunities and incentives available to you

At the end of the consultation we honestly tell you whether we can help or not. If we cannot help we part as friends. If we can help then we discuss the scope of work, our fee to you and payment arrangement if required. #financialcoaching #aucklandbusiness #debtfreecommunity #dpg #diamondpropertygroup #firsthomebuyer #firsthomegrant #propertyinvestment #helpingothersgetahead #onepaycheckatatime #propertynz #aucklandproperty #wealth #hardwork #delayedgratification
I started this tracker in my #bulletjournal last year. Everyone needs a little #daveramsey doodle to keep them on track. The credit cards are GONE and the student loans are next.
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#debtfreecommunity #debtfreejourney #daveramseybabysteps
College graduates on average earn more. But the cost of student loans should be weighed carefully. On today's show - how student loans work, and when is it a good idea to get them.⠀
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Listen to full episodes of the podcast by clicking the link in my profile.⠀
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#wealth #wealthbuilding #debtfreecommunity #debtfreejourney #debtfree #consumer #savingmoney #savings #financialfreedom #financialadvisor #budget #budgeting #podcast #frugal #frugalliving #getstarted #waystomakemoney #startingover #inspiration  #nothingisimpossible #liveinthemoment #longtermgoals #longtermgain⠀
$144 remaining in our grocery budget for January, and I am putting it out there now that I will only spend $20 more of it, MAX!  Can't wait to roll the rest of it directly into the snowball! 😎 
Then you know I'll definitely be reducing our grocery budget for next month- we are still sorting out the kinks as we are new to every dollar budgeting.
Talk about a #TipOnATuesday! *

Family, Friends that became family! Let's get it!! *

I love her passion!!! #Repost @keziamw (@get_repost)
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...zero wealth in 2053? #NotTodayDebtDevil // let’s build Black generational wealth as a collective. Start a family LLC with the help of an attorney if your state allows or research how to get started using nolo.  It does cost at start!  @keziamw #ProfessorKez
A very big surprise today at work. $500 will go to my second emergency fund. Still a little shocked #debtiswack #debtfreecommunity #debtisdumb #daveramseybabysteps #debt #debtsnowball #debtfreeliving #debtfreedom #debtfreeisthewaytobe #budgeting #frugalliving #emergencyfund #sidehustle
True! That’s why I love dollar stores so much! 💵😍 #dollarstore #debtfreecommunity #pennypincher #budgetliving
🥪 Always been a big fan of #tunasalad, and since I’m eating at home, no one can complain about the smell! 😂🤭 🐟 . . ‼️ Still haven’t been paid for the #sidehustle I started two months ago. Patience is hard, y’all😳. Especially when stuff is late.
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Thankfully I have enough food to avoid dipping into savings 💰. And also, I have savings! So, life is good. 🙏🏼
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#staycation #yearofnotravel #chinesenewyear #tuna #food #simplepleasures #yum #dfc #debtfreejourney #debtfreecommunity #positive #determination #sidegig
Green chili chicken packets and mushy peas! This meal was so cheap as a lot of it came from my mom. The most “expensive” thing was the two cans of crescent rolls but I used two 50 cent cans of sweet Hawaiian crescent rolls I got at Grocery Outlet so even that was pretty cheap. #cheapeats #whatsfordinner #debtfreecommunity #thriftymom
Daily Goal for today!
Vac and mop the whole house. Meal Prep and School Lunchbox snacks. We Have no vaccum at the moment and so we have borrowed one for the day. We will get a new one as soon as we can get the refund on the old broken one.

#debtfreeby30 #debtfreejourney #debtfreecommunity #frugalmum #debtisdumb #debtpayoff
#debtfreecommunityaustralia #ozdebtfreecommunity #frugallife #ozdebtfreejourney #debtfreeby2020 #debtsnowball #daveramsey #frugalmom #barefootinvestor #babystep2 #ozdebtfreejourney  #ozdebtfreecommunity
Just had to share. This actually annoys me. There are people blaming the banks for being the big ole criminals but they don't pay attention to their own finances. Stop playing the victim card! Ugh. People know the rules when they sign up for bank accounts. It's their own damn faults for getting these fees. Late fees are the number one fees in America and it's just ridiculous. Ok rant over. Enjoy your evening.

#financialfitness #fpu #daveramsey #rachelcruze #babystep2 #budgeting #emergencyfund #firemovement #suzeorman #debtfreejourney #debtfreecommunity
Mini goals are so necessary. It provides you with a direction even if it’s just a few items your working towards. It’s a way of breaking down bigger, annual goals (like have a Christmas fund for this year), by starting now. Christmas will be paid for in cash and it will feel great to go shopping for the gifts we know we’ve set aside the funds for.
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#minigoalsetting
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#believe #2019 #onabudget #familyoffive #homeeconomist #debtfreecommunity #budgeting #budget #debtfreejourney #debtfreeliving #cashenvelopes #cashisking #sinkingfunds #budgetmeals #onestepatatime #bitesizegoals #goalsetter #keepmeaccountable #mommy #mommylife #debtfreemilestones
[ NEW LISTING] These are envelopes you can use for anything, I personally use it for Dave Ramsey Cash Envelope System! 📩💰
📌Set of 5 laminated Cash Envelopes! Made to follow the Dave Ramsey system. 📌 Approximate size of envelopes including the laminated sides are (7 x 3.5 in )
📌HANDMADE - NOT PERFECT 📌Laminated for durability.
📌Rounded edges in order to not poke you. :) 📌Look at my other listings for different
📌Adding 6 stickers & Tracker:3
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[ LINK IN BIO ]
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#papercraft #cashenvelopesystem #cashenvelopes #planner #plannerbudget #budget #daveramsey #cashisking #budgetahappylife #budgetarian #personalplanner #daveramseyplan #debtfreecommunity #happyplannerbudgetplanner #selling #etsy #etsyseller #follow #buy#comingsoon #newlisting #marble #wood #gold #fancy #pretty #shop #sale
Reminiscing on this time last year when Panera gave out a voucher for free food for a year! We weren’t on our debt free journey...😭 I need a do over. 
#debtfreecommunity #debtfreejourney #panerabread #feedus
Tonight was opening night of Financial Peace for these 207 folks at @eaglebrookmn Blaine! Team Tuesday is clearly the best 😉 It’s going to be an amazing 9 weeks! Get ready to change your lives!!!!! @daveramsey #blainefpu #teamtuesday #blaineisbest #itsnotacontest #yesitis #financialpeace #daveramsey #fpu #debtfreecommunity
My unintentional granola has made for some delicious breakfasts. This was meant to be muesli bars from a @kidspot recipe and it epically failed. When I went to cut it after it baked it just fell apart 🙄 I have never made a successful muesli bar recipe as this always happens! Anyway, I broke it apart and it’s made a delicious granola we have with Greek yoghurt and berries. Best part is there is no refined sugars just some honey in it. Pretty happy this happened as we were struggling for some healthier breakfast options to keep us full. Have you ever had a recipe epically fail but managed to salvage it into something better? #debtfreejourney #debtfreecommunity #budget #budgeting #mumlife #thrifty #mrsthrifty #thriftymum #savingmoney #frugal #frugalfamily #zerobasedbudget #freeactivites #workingmum #midweekmeals #budgetmeals #familymeals #homecooking #cookingfromscratch #feedingafamily
Feels good to get a nice punch in on my debt. 1 CC paid off, 1 more to go and my student loan. Can’t wait to be done with this. Just need to keep it up! #debtfreecommunity #debtfreejourney #debtfreeliving #daveramsey
Ahhhh! Today we paid off the rest of my hospital bill from my delivery and post delivery stay from the birth of our son! I am now medically debt free!
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We paid off $904 in one big lump sum. We had to do this because this bill went to collections because apparently we only had 1 year to pay off a $4,000+ bill. We didn’t know about the time limit and were just making our monthly payments. Then several months ago my credit tanked and I started getting calls from collection agencies. We were told if we could pay it off by the 20th of this month then we would be good to go.
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In addition to this giant lump sum payment to medical debt, earlier this month we paid about $16,000 to my husbands student loans. We had to pay that debt off in order to get approved for our new home loan.
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On one hand paying these two huge debts off is so great because we don’t have these monthly payments anymore and we are a big step closer to being debt free! And on the other hand pretty much all of our savings are gone. Looking on the bright side though, onwards and upwards! 🐝
#Budgeting , spelled out in a digestible format. Insanely helpful, especially for those, like me, who were not afforded a strong foundation of financial literacy. Sure, this is a no brainer for many in the #debtfreecommunity but for those of us just starting out on our #debtfreejourney and who are #TeamSmallShovel this is helpful i think. .
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 #budgets #budgetlover #DebtSlayer #PersonalFinance #MoneyManagement
Reposting the banana biscuit recipe that I made again last night.. This batch made 30 biscuits.. they are probably slightly smaller than the batch in the photo.

Next time I am going to half the amount of sugar.. with the bananas adding sweetness, 1 cup of sugar is a bit overkill I think 💕
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Banana biscuits!
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First time trying these.. so simple and delicious! I had all the ingredients already which was awesome.
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Recipe from @kidspot
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Ingredients:
👉🏼 3 ripe bananas, mashed
👉🏼 125g butter
👉🏼 1 cup sugar
👉🏼 1 1/2 cup SR flour
👉🏼 1/2 cup desiccated coconut
👉🏼 1/2 cup rolled oats
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Preheat oven to 230C.
Using electric mixer, cream the butter and sugar.
Stir in banana.
Add remaining ingredients and stir until well combined.
Spoon onto baking tray, leaving spaces between for biscuits to spread.
Turn oven down to 200C and bake for 10 minutes.
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Mine made 26 biscuits.
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#baking #bake #cook #cooking #bakedgoods #biscuits #snack #snack #homemade #homemadesnacks #recipe #recipes #toddlermeals #lunchboxideas #picoftheday #photooftheday #yum #yummy #food #foodporn #foodphotography #delicious #sweet #banana #debtfreecommunity #frugal #budget #instagood #mum
My minimum payments have gone down by $338 dollars since I started actively paying down debt. 🤩
I use the #debtsnowball method where when I pay off one debt, that minimum payment gets rolled into the next debt. ❄️
Crazy to think I could have all that extra money in my budget if I didn’t have debt. 🤷🏻‍♀️
How much have you gained back in minimum payments? •
#debt #budget #budgetlife #zerobasedbudget #debtfreecommunity #debtfreejourney #finance #personalfinance  #credit #dfc #singledebtfreejourney #CAdebtfreecommunity #socaldebtfreecommunity #debtsnowball #ballinonabudget #budgetlife #goals #loans #studentloans #studentloanssuck
Guess who stopped their nail biting habit. Crazy how all my nervous ticks went away once I started taking control of my financial life. Today we hit a MILESTONE people - I added another $2,000 to my @commonbond_co loan and now I’m under $100,000! That’s right, I only have $99,975.80 left to go on my student loan! That is definitely still a lot of money but for someone who was planning to ignore her $200,000 of debt for the rest of her life - this is a huge accomplishment. I can finally see  the finish line and it’s only been 13 months since I started my #debtfree journey! The ending is (kinda) near 🎉 and I’m already planning my journey to Tennessee to do my #debtfreescream with @daveramsey . Can’t wait for my next budget video update, lots to share! #debtfreecommunity
I don’t know if it’s because I’m new to this whole budgeting thing or what but I can’t wait until January is over so I can close out my budget! It’s not like I’ve even been doing super well. I think I’m actually going to be over budget a good bit this month because of our new health insurance plan and contributions made to my husband’s 401k. As much as it sucks to be “over budget” (for whatever reason), I’m looking forward to seeing what areas we did well in, the areas we need to improve on, and make proper adjustments so we can actually start putting money towards our savings goals. Here’s to doing even better in February!
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Anyone else excited to close out your budgets? For the more seasoned budgeter, does the anticipation/excitement of closing out your budgets ever go away?
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#savingcents #budgetplanning #budgetlife #budgets #livingonabudget #debtfreecommunity #frugalmom #budgetingtips #budgetplanner #budgeting #financialindependance #financialfreedomstartshere
Nursing life 🙃 worked today and the next 2 days. Thankful that I got to spend the last weekend celebrating with loved ones though ❤️ let’s hope tomorrow is a little less hectic than today was 😅 also can’t complain about that holiday pay..ready to finish off this emergency fund 😏 #debtfreecommunity #debtfreejourney #savingmoney #babystep3 #nurses #nurselife #christmas
IT’S OFFICIAL!!! Just got off the phone with Kelly Daniel from The Dave Ramsey show and scheduled our DEBT FREE SCREAM!!! Since day 1 of our journey, we have been dreaming about standing in Financial Peace Plaza and screaming on the top of our lungs while @daveramsey laughs and the “FREEEEEDOOOOM” track plays in the background. We are both shocked, ecstatic, overwhelmed, and emotional that’s it’s finally going to happen!!! Not only will we be able to meet Dave and share our story with THOUSANDS OF PEOPLE, were also making a vacation out of it! So let’s hear some suggestions because WE’RE GOING TO NASHVILLE!!!!! 🙌🙌🙌🙌
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#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #babystep3

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