When little rewards come through on your birthday month 😂 add it to the 6000 bonus for 4 weeks this month, I’m hoping to be up to $50 maybe even $60 in Xmas rewards by the end of the month 🤞 #debtfreejourney#debtfreegoals
I got an unexpected tax return this year so I paid off an entire credit card balance. I should be happy but I feel sick, maybe its just excitement I've never felt before!. 1k in savings and 2 smallest cards getting paid next week when the other refund comes in.
Finances and health.
Without either, life is very difficult. What we see as financial peace coordinators/coaches and what we see as health & wellness coaches (yes we are BOTH coaches) is so similar.
People don't take either very seriously until there is a problem. We have seen some very sad moments for both areas.
It's not too late to join us for either of these.
You need to take that 1st step tho and commit.
1 9an hour ago
Today we had a day focused on fun and spending quality time together. We started out our morning by going to the gym for a quick working. In the afternoon we went for well-needed massages (covered by our benefits plan). I travel a lot for work and find that a massage every month or so really helps with lower and upper back discomfort.
We also went for a belated Valentine’s Day special at our favourite cidery. We got 2 flights of cider and chocolate pairings for $15! Usually flights are $10.50 each so this was a great deal. We also went for a beer at our favourite local brewery.
Now we are home about to have homemade chicken tacos and a movie night on the couch.
We will spend the rest of the weekend going to the gym, baking/cooking, and doing some work. I have a CPR recertification that I need to do some work for as well as a few reports to write.
What are your plans for the weekend? Do you take advantage of your benefits plan or do you find the benefits often go unused?
3 6an hour ago
This right here nailed it! We hit so many bumps on this #debtfreejourney and we’re still moving ahead. We were hit so many times and I was almost ready to just quit and live life like before. Just making the best of every day with debt. I’m a woman of faith and I knew that’s not what God wanted for us and scripture told us all about debt. Avoid debt! Avoid debt! Avoid debt! I had to keep paying debt down as we were accumulating more debt (health reasons). No matter what your debt free journey may look like, don’t give up! You’ll thank yourself months even years down the road for not giving up! Keep going! Keep fighting! Keep working hard and making those sacrifices, it’ll all be worth it❤️ #debtfreecommunity#daveramsey#babystep2#savemoney#livelikenooneelse#debtfreedom#gazelleintense#finances#frugal
Every time I post about our cash envelopes I always get a comment about people being scared to carry around that much cash, so I figured I’d do a post explaining exactly what we do!
We don’t ever carry the full amount on us - $690 in this case. Groceries and gas are the two that we have on us at all times, but they are split up. Josh has half and I have half. The other categories stay at home until they are needed. •
Yes, there’s a risk that I could lose the $190 I have on me at the beginning of the paycheck, but that’s a risk we’re willing to take because using cash curbs our spending that much! In the four years I’ve been doing this, not once have I lost the money or had it stolen. If something did happen, we’d have our emergency fund to fall back on. •
Cash envelopes aren’t for everyone. They work well for me and my spender husband. 😘 If you use cash, be smart about it! Don’t carry all of it at once. Take what you need and replenish it as you go. 👍👍
Alright y’all...in the mail today went my last payment. When this clears, I’ll be completely debt free from consumer debt, which means I will only have a house payment!
Last year I thought I was debt free and realized a loan on my retirement was still debt! *punch in the gut* So I buckled down and started in May paying it off and this is the final big chunk to pay the 5 year loan off in 22 months. Leading Financial Peace University at my church was a big motivator, but this goal moved up a few months when I started tithing the full 10% to church. (Malachi 3:10 “Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.”) .
If you want to do something you’ve never done, you have to do things you’ve never done. And if you think you can, or you think you can’t, you’re right. Thank you Jesus and Dave Ramsey! I can’t wait to color in my debt free chart from @debtfreecharts!! #daveramsey#daveramseybabysteps#cashenvelopes#financialpeaceuniversity#livelikenooneelse#debtisdumb#cashisking#debtfreecommunity#debtfreejourney#debtfreegoals
12 84an hour ago
This is the kitchen I will have to wait almost two years for 😫. A lot of you wanted to see more of our house build, so I will share a little bit here and there. And money is involved, so it is budget related 😂
Here is the interim design, which doesn't have everything set but overall it is what we are aiming for. I really want shaker style cabinets, but it will come down to cost. If it's significantly cheaper to do plain cabinetry, I will. I would love to get EVERYTHING I want done in the one hit, but I'm being realistic. If it's cosmetic and costing me thousands more, I will go with the more affordable option now and renovate years down the line.
At this stage our joinery (laundry, kitchen and other storage) is likely to cost about 70k so, if I can make savings here - I most definitely will! We won't be building until January 2020 so the waiting game is on. I'll take it as a positive and think of it as an opportunity to refine the design until it is just right. 👌
For most of us, if you start letting your emotions control your decision making, you get into big trouble.
Which is why, when I work with people and know that fear poses the greatest threat to their success, I attack it with a full immersion experience.
That’s when someone comes to me, to my convention center built just for them, and I put on a multi day full immersive experience.
Here I can give you the training, the structure, but most importantly I teach the mindset of the wealthy and help you breakthrough your limiting financial beliefs.
My methods aren’t what you would call traditional, but they’re effective, powerful and they WORK. Trsut me it will be a life changing experience.
If you want to learn how you can attend, visit my website here or DM me for a link!
Haaaaaappy Saturday! 🎉 I... went over budget. But, I got some good freezer meat and pantry deals, so honestly, I’m okay with it. About $5 of the extra money was from my household fund (for the trash bags) and the rest was from my fun fund.💰
I went to three stores this week because both HEB and Sprouts had awesome BOGO deals! Each of those yogurts came out to $.68 a piece, bananas were FREE, I got $5 off of a 2 liter container of olive oil, and the pork tenderloins, organic frozen veggies, and pancake mix were each buy ☝️ get ☝️ free. Whoo! 🙃 If I had skipped the olive oil, I would have been under budget, but with the sale it came out to about $.10/oz instead of $.23/oz for Aldi olive oil! Deal.
Swipe ➡️ for dinners- lunches this week are Chicken Burrito bowls and Broccoli Ramen Salad! As always, trek on back tomorrow for #mealprepSunday to see what my setup for the week looks like!
Everyone please check out the Dave Ramsey Podcast!! Get out of debt and don't let debt take over your life! Sb & myself are currently taking his Financial Peace University course and we've changed our look on our debt. #daveramseypodcast#daveramsey#byebyedebt
In 2016, my now fiancé and I had a friend get married in Barcelona, Spain. Thankfully, this friend gave us about a two year notice so we were able to save up over time, but we still wanted to travel for cheap! ⠀
We completed this trip for around $2,200 total including the flights + accommodations + travel within the city AND food. My fiancé is a total bargain hunter. Here are some things we did to save:⠀
1. We used Google Flights to search for the cheapest tickets and bought them in advance.⠀
2. We actually flew into Paris and took a train to Barcelona, which was much cheaper than flying into Barcelona (we ended up going BACK to Paris for a week thanks to a wonderful surprise from my hubs!). Don’t be afraid to fly into a different location to reach your final destination if it means more money in your pocket.⠀
3. Avoid expensive hotels and opt for hostels or an AirBnB. We chose to stay in a cute little studio we found on AirBnB for significantly less than the cost of a hotel. It also came with a cute kitchen and washer and dryer.⠀
4. Cook most of your own meals! This was a huge money saver for us. ⠀
5. Walk instead of using cabs if you can. It’s exercise and you get to see more of the cultural side of the cities and towns. We walked over 20 miles one day (and I came back 10lbs lighter!).⠀
6. Pack light to avoid checking a bag and just pack a carry on. This is where the benefits of booking a place with a washer and dryer comes in handy!!⠀
We did end up going back to Paris as a gift to me from my fiancé. But these tips can be used no matter where you go!⠀
Sidenote: We booked our vacation in 2018 to the Dominican Republic on Groupon for $1600 total. This included the direct flights, travel to and from the resort and ALL food + drinks for 7 days. They have a ton of great all inclusive options! Check it out if you’re looking to travel. ❤️⠀
2 201 hours ago
Yay or nay?
I have a student loan for $26k with a variable rate of 8.75% currently. The prime rate is the variable and there is a "gap rate?" Of 3.25%. So... my bank has a great (I think) program where I can roll my debt into consolidation for a FIXED rate of 6.9% at 20 years and I can put additional payments without any penalization.
I am going back and forth because it's new. I'm nervous and don't want to be tied up into something that's bad. Like what if I need deferment?
So.... I wouldnt roll my other loans because it's a 4.25% variable and all others are fixed with a lower percentage rate than 6.9%. What is other people's expierence? I have until next Friday for a decision! Advice is welcomed!
0 51 hours ago
Here is my first long term goal that I have put on paper and wrote it out! I need to get a bigger car for when I do craft fairs and things of that nature. I’m looking at the Toyota Highlander and that’s $30,000+ I do not have currently!! I started saving for the car in January but didn’t start budgeting until 2 weeks ago(wish it was earlier) my goal is to have $8,000 towards my car fund by the end of 2019! I know I can do this!!🚗
2 91 hours ago
Thank you so much @moneymag and @adamauriemma for this amazing opportunity to guest post on Money.com. I'm so #gratefull and deeply #humbled for this opportunity. Everyone please check out my guest post for Money Magazine by going to money.com, and find out how "writing a simple wealth mission statement" changed my financial life...". I also provide 3 Steps you can take right now to create your own statement.◻️
For those of you who have read my book, "7 Steps to Get Out of Debt and Build Wealth", I dedicate one chapter in the book to the "Debt Motivation Statement". Well the flip side of the Debt Motivation Statement is the Wealth Motivation Statement, and in my guest post for @moneymag I share the actual steps that you need to take to determine your Wealth Motivation Statement! Creating this statement helped me stay motivated and on track in my financial journey. The statement helped me change the financial trajectory of my life from a negative 6 figure net worth to building a 7 figure net worth. Go to money.com to read the article, and create your Wealth Motivation Statement today!!!◻️
10 261 hours ago
By Any Means Necessary... Do What Is Required To Accomplish Your Dreams. Own It. Get Intentional. Be An Outlier.
3 521 hours ago
We went to a museum today & instead of buying lunch, we came home and cooked up some of our farmer’s market finds. Soo much better.
I find myself wanting to buy new things for the purpose of it being just slightly better fit compared to something I already have.
I do it a lot with kitchen/food storage for work, with water bottles, cups etc. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I also do it in terms of wanting to be more waste free - I plan to buy stainless steel or glass everything - but I have everything is reusable plastic - and there’s no point just throwing them out before they’re broken - because it’s wasteful. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I surprise myself when I write lists of things I want and am very able almost every time to find something I already own to use instead. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Always use what you have before you make any more purchases.
Well hot damn 😍
2019 just keeps getting better and better! I'm so glad past-Sarah was looking out for future-Sarah and had extra taxes deducted so I wouldn't have to pay in!!!
This'll put a dent in the ol snowball! 😊
This year, I've got more free time on the weekends as I'm no longer studying. So I made it one of my goals to get out and about on the weekends, but I'm also conscious of doing things that are free or relatively cheap (or if not, that can fit into our monthly splurge budget). Some things we have done so far are attend a free outdoor concert with a BYO picnic, wander around the city to check out Lunar New Year festivities, and today we are fishing (we just had to pay to renew our fishing licence and to get some bait) and have brought a picnic. Some other activities I have on my radar, are a visit to Eden garden centre (its not just a plant shop, but a garden display centre), visit some museums and go see a movie with a voucher we have. If we were hikers, there would be plenty of places to hike at but we aren't really into that. 😅 Do you have any other free/cheap activity ideas?
20 days with out filling up! I think the shorter travel time with the new job has just blown our minds. So happy we can cut back financially in the petrol department. Yay for the new job!
1 182 hours ago
IDK what I would do without ALDI while on this journey! I feel like we are able to still eat really well for a really good price. 🛒🥗 we buy most of our meat at Costco so I can freeze it until needed, but I love that ALDI allows for some freedom and wiggle room!
Catching up on my daily transactions & setting up my cash envelopes for the next two weeks.
I haven’t been cooking lately, so I know I’ve already spent WAY more than what I had budgeted for food this month.
I have tons of groceries in my pantry & freezer. The goal the next few weeks is to use what I already have- today I’m determined to create a meal plan for the next two weeks.
I currently have $250 allocated to food but my hope is that I only use $50- this would be for fruits, veggies, milk, eggs, etc. I’m determined to stick to this!
A decade ago I lived paycheck to paycheck and eating out wasn’t even an option. I was forced to create meals for my family for $10 a day. As my salary grew, so did my spending- especially in the food category. My belief was because I was working so hard every day as a single mom, I felt like I deserved the luxury of eating out. What a waste! All that money spent on eating out when I could have saved it and applied it to bills or a family vacation!!! Here I am 10+ years later, I know I can still feed my family for $10 a day, however I’m spending over $60+ a day because I get lazy after a long 12+ hour work day and it’s easier to pick up take out. For me it’s the only category in my budget that I have a hard time with. That changes today! I’m tired of seeing my grocery budget being blown every month!
The key to saving is recognizing that in some areas of your spending you need to live BELOW your means not BEYOND them.
I know I can create amazing meals for my family for pennies- I just have to do it!
What area is the hardest for you to control your spending? #cashenvelopes#budgeting#daveramsey#soontobedebtfree#functionalplanning#planneraddict#plannercommunity#planner#plannergirl#plannerobsessed#plannerlife#plan#planning#planahappylife#plannersgonnaplan#plannernerd#planahappylife#plannerbabe#plannerlove#fortheloveofplanners#personalplanner#selfcontrol#personalfinances#foodbudget
82 14156 days ago
I purchased my first ever cash-flowed car. It's a 2017 Toyota Yaris. The people at the dealership even told me that they never had a customer buy a car with cash. My car fund even had some extra to cover the 6 month insurance premiums and a winter emergency car kit. This was a long process and it took months and years of patience and discipline with saving, researching, and riding my bicycle for the past 2 and a half years, but it was worth it. Thanks @daveramsey#daveramsey#debtisdumb#cashisking#babysteps#beweird
57 11266:41 PM Feb 9, 2019
Today is my dad’s birthday:
He came here from vietnam with nothing but the clothes on his back at the age of 20. Yet he still had the responsibility of taking care of his younger sister. He worked hard as a janitor for 40 hours and he would sit after work to learn how to run the machines at the shop. We were so poor that he built our bunkbeds out of plywood. Yet he worked hard, saved all his money, and finally was able to buy a brand new house which he finished paying for after 2 years of living there. He put 5 kids through college and is pretty much debt free. He is the reason why I knew how to manage my money. And he’s the reason why I want to be even better at managing my money for my future kids. If I become half the person my dad was, it would make me so happy.
This is what Baby Step 7 looks like! My (Katie) parents are a great example on how to handle money, although they haven’t always had it easy, they work VERY hard for everything they have. For years they both worked full time jobs AND handled our family farm basically on their own. My dad’s company went out of business 5+ years ago and has since become a full time farmer while my mom still works. They are very close to being millionaires and have done so with one degree that isn’t used between the two of them, raising three kids and owning a farm. They are debt free, mortgage free, helped me and my siblings with college, and are well on their way to 100% prepared for retirement and now they can give even more.
They lived like no one else so that they now live like no one else. It’s cliché but so true. I remember side hustling when we were kids, other than the farm, and to me it was just something we did together as a family but now knowing what I know I can see how hard they worked and implemented their principles on us.
My parents have always been the giving types, even when they were struggling. They give a lot of their time, money, and passion to their church and multiple other charities they are passionate about. They have always instilled a since of responsibility in my siblings and I and we have never been given a hand out rather taught how to work hard and to make our own money. However, every now and then they love to surprise us and give because they can. We are so grateful for their giving hearts and that something as small as $200 to put into our Baby Step 3 fund is so special. Beyond this gift is their support and their understanding that we are going in the right direction and someday we will be able to be on Baby Step 7 like they are. We are working on continuing the family tree in the right financial direction. I truly cannot wait.
23 12325 days ago
On February 12th we had a beautiful baby BOY 💙 who surprised us 3 weeks early. We are doing great. Welcome to the debt free family little guy! 😊
This is one of the oldest meal planning and money saving tricks in the book📚, but I bet a lot of you still aren’t doing it! Buying meats in bulk and then separating them into smaller portions!
It takes a little extra work but the savings will add up quickly.
It will save you money two ways.
1️⃣Makes it more likely you have supplies on hand to throw together a dinner at home so you aren’t tempted to eat out or shop again
2️⃣Costs less per pound in bulk
For example. This 80/20 ground beef was $13.44 for 5 lbs. If I had purchased 5 individual 1 lb packages, it would have cost $18.40. So I saved about $5 by buying in bulk. Imagine the savings over the years! The hard part is it can feel like a big hit all at once to your grocery budget. But there are ways you can plan for that- say by adding $20 to your first grocery trip of the month and taking $5 off each week after!
Do you buy meats in bulk yet?
114 12368 hours ago
Another week and another family highlighted. @kyle_depiesse and family were able to get rid of some major debt! We are so proud of them!
Hopefully this story can inspire you to press forward in your journey! Happy Friday!
Husband kills me with his Valentine Day thoughts 🤣😂 Just a paid off mortgage and rescued pigs is all I want. He knows me well.
197 65472 days ago
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