My fellow single mom posted a brief interview on her blog about my journey to becoming debt free. If you’re interested in learning a bit more about my journey, check it out. Link is in my bio. 🙌🏾👏🏾 Thanks @moniqualashae for the love! I see you rocking your journey and you’ll soon be debt free soon! ♥️😘
Cornelius Vanderbilt was worth the equivalent of $200 billion when he died in 1877. And then:
“Forty-eight years after his death, one of his direct descendants died penniless. When 120 of the Commodore’s descendants gathered at Vanderbilt University in 1973 for the first family reunion, there was not a millionaire among them.”
Book: Fortune's Children: The Fall of the House of Vanderbilt @morganized.money
Here you have reckless spending at its best.
#personalfinance and #selfcontrol is a fairly simple formula, but not always that easy to implement.
1 1418 minutes ago
This Ted Bundy docusieries on @netflix is fascinating and addicting.
I remember reading an interesting article recently about the most common careers for sociopaths.
Here they are
Top ten professions that attract the most sociopaths
7. Law Enforcement
10. Civil Servant
Which one surprised you?
3 1019 minutes ago
2018 taxes are complete and we will be receiving an $826 dollar refund. I'm not going to lie I was hoping for a bit more but I am happy we didn't have to pay. .
My husband and I have decided not to use this money towards our debt and rather use it during our upcoming vacaction. We had planned this trip way long before starting our debt free journey and we chose to move forward with it. .
It's been almost 4 years since we have seen our family and my husband would like our son to spend some time with his great grandmother before she is no longer with us.
Our debt free journey will take many many years to complete and during this time we will have to make exceptions that many might not agree with and thats ok. Each journey is personal and that's what makes them worth sharing.
Private Lesson: $45/child
Ski/Snowboard rental: $27 & $35
Lift Passes: $8/child
Time spent learning a new sport and totally loving it: PRICELESS
We spent $168 plus the cost of gas and lunch today so the boys (in the black) can try out skiing and snowboarding. Their lessons are budgeted for but I forgot to count in the cost of rentals and such so I took those out of my own pocket, which is perfectly ok for us.
You see, early on in this journey, we decided that we can live without other things (like new clothes, things for the condo, bags, gadgets, toys, etc.) but we are not willing to cut off new adventures and travel fully from our list.
And let me tell you, for our family, it was one great decision. Seeing the boys beaming from being able to go down the slope on their own and begging to go back up again and just absolutely loving it.... I wouldn't trade that for anything else. I can take out an extra $100 from my debt avalanche (without taking away from minimum payments) to fund some new adventure for my kids.
We all have different views on how to go about our budgets. In our case, this model works for our little family. As much as we want to be debt free, we also want to ensure the kids are not losing out because of decisions or situations that my husband and myself got ourselves into in the first place.
And btw, it was so worth it to give them private lessons! For kids who have never been on the slopes before, these two took to it like moths to a flame.
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
After a lengthy appointment yesterday getting some test results back... its time to dust off some of my recipes books that have been hiding in the cupboard.
I found out that I have allergies to tomato, capsicum, potato, legumes and yeast. These things have been putting a strain on my liver, gallbladder, intestines etc and preventing me from absorbing all the nutrients I need from my food. Partnered with the fact that my pancreas is struggling due to me being pre-diabetic... so bye bye sugar too!
Glad I got tested now instead of down the track with a full blown illness.
Back to the drawing board now as far as meal planning... and goodbye to all the yummy lentil and chickpea curries in the freezer!
Our savings goal might take a little hit for the time being while I detox and get the right supplements to get myself healthy again, along with buying new foods that are right for me. Once we get that sorted, it’ll be back on track!
1 940 minutes ago
Be Weird, People. Be Debt Free. 💡
Normal is OVERrated 🔊 -- and overpriced!💵
Some tiny treats! In addition to stocking me up on some essentials, my Mom usually treats me to some drugstore makeup goodies when we go shopping.** While my No Buy Rules require that I use gift cards/points for essentials, I can absolutely accept gifts (and as I get deeper into this No Buy, I know that I’m going to really appreciate and love them!) I’m excited for these new things - and I’m actually pretty proud of myself for my choices. Normally I’d pick something totally frivolous but this time I picked items that fill holes in my collection. I feel like the No Buy is already changing my thinking. 👍🏻👍🏻😃😃 **Shopping = taking me shopping for groceries/toiletries/household essentials, a lovely leftover from my 20’s when I was making crap non-profit money and living in a super expensive city.
I’ve been saving money and calories by making breakfast for me and the husband. Bought these off amazon and absolutely love them! I cook my eggs (I use egg beaters) in them the night before and fix some turkey bacon and put in meal prep plate and we warm up at work the next day. Check them out on amazon !!! #debtfreejourney#debtfreecommunity#debtfreegoals
0 246 minutes ago
Still no job as of yet.. New blog post with full update. Link in bio or you can go to aspiringliving.com!
This was today’s project!
This Kauri table which is over 30 years old was given to us by my step mum about 10 years ago.
It had old pine styled turned legs and a few years ago we enlisted the help of a carpenter to make us square pine legs to give it a more modern look.
Today hubby spent an hour sanding it back to natural wood and then I’ve coated it with 2 coats of danish oil. Will probably do another coat later 😁
Just some hard work and danish oil out of my upcycling cupboard 😁
What do you think???
14 2648 minutes ago
Credit card debt has been our biggest downfall. We fell into the “norm” of charging and not worrying about them and we are done. We have two cards 100% paid off and plan to keep them that way. We will close them after we are settled into our new house/have the mortgage completely finalized.
On January 25th, 2018 we started a no credit card spend rule and have started on a loose budget. I keep roughly $100 a month extra in checking as a buffer and overestimate our spending for food and gas. We plan to wait until we’ve sold our current house and are settled into our new house before we start any debt snowball or avalanche. Depending on how much we sell our house for we could potentially pay off half, if not all, of our credit card debt. Every extra cent we earn (outside of minimums and food/gas) is going into savings to have some needed repairs done so we can get our house on the market.
Pictured are our cards, minimums, balances and limits. Having this much credit card debt is embarrassing but acceptance is the first step in my mind to getting them paid off. We put every penny on them and plan to pay everything. How much credit card debt did you start with or are starting with? We have 14 cards. How many did/do you have?
4 2449 minutes ago
Jumping on the @whitemagicau bandwagon and purchased some while half price at @harrisscarfe! Also got some for my sister as her housewarming gift later this year 😁👌🏻
Grocery shopping for a family can be challenging when trying to stay on budget. Especially when you have kids and a hungry husband...lol. Here are ways I try to stay on budget during our weekly shopping. ➡️ Coupon!!! I know, I know...who has time for that? But seriously, it helps bring down the costs. I use the weekly newspaper to help with this. There are also digital coupons you can use at various supermarkets.
➡️ Search for deals! All the major supermarkets and discount stores have weekly deals on their websites or apps. Shopping around takes time as well, but it saves you money in the long run. I normally shop between 3-4 stores. ➡️ Buy generic! Do I use this motto for everything? No, but there are some generic brands that are just as good as the original. .
Rhetorical statement followed by #truthbomb quote ( #fail), a healing mantra, and an #studentloans#anxiety exercise.
I’ve read about this technique of speaking to your future self. Below is a short dialogue w myself...and yes it made me feel better, and yes I am going to write.
From them (future me) to you (current me): “Fucking start! Work bitch. That wallowing ain’t got nothing to do with completing your dissertation. Being on IG for DAYS does not bring you closer to your dissertation. Inspirational quotes are just that, quotes from those who have taken action. Be thankful for those who believe in you. Be grateful for your circumstances. Honors those who uplift you in this journey (called life) by completing your dissertation. I know you didn’t go to school to drop out with almost $40k in loans.” From you (current me) to them (future me): “What the fuck bitch!! What is going to happen next? We going be okay? It’s rough (like you know), I’m just in my head rn. Looking at you makes me feel lime everything is going to be okay, I’m going to be fine. But, tbh I cut down on IG almost 75%...more work less IG, gotcha. IG does help me to write just will be getting on that academic train just more than SM. I’m going to get back to writing. Thanks.” Comment below if you do the exercise.
that little high I get when I make debt payment is addicting.. I’ve already paid $1,050 towards my debt this month & theres still 2 weeks left of the month.
I feel like I need to chill out & spend my “fun” money (I still have about $100 left in my fun money budget) & not obsess over numbers 😭 ..I have an unhealthy habit of never being satisfied with myself lol I always tell myself “yeah, you’re doing good, but you could do better”... I gotta stop that ..here’s to a weekend of relaxing✨ #debtfreecommunity#debtfreejourney#financialstability#financialfreedom#frugalliving#frugal#fitandfrugal
My mission is simple.
I want to educate others in financial literacy to empower them to make sound and secure financial decisions, without restricting them to what others deem ‘appropriate’. This is your life and you do it how you need and want to!
I want people to know that having financial security and freedom does not have to involve convoluted, complicated, layered financial planning strategies and planning. I mean, there’s a place for all of that. But if it’s not for you, it’s not for you. Simple means freedom.
I want to give mums the information they need to make informed decisions about whether they should be back at work, or stay at home, or start a business – and give insight into my own personal experiences with this stuff.
I want families to let go of the bullshit guilt and beliefs that so often cloud our mindset when it comes to what it means to have MONEY, WEALTH and SECURITY.
I want to be a safe place for people when they know shit has hit the fan for their finances.
I want to enable people to see that there is LIGHT at the end of the DARK tunnel that is personal debt.
I want to give families the confidence to navigate through a financial shitstorm, if that is where they are or find themselves to be - and know that it's going to be totally fine. It will be.
Do we ever know exactly why we are drawn to something?
I know that most of it comes from my personal experience with money.
I am a Mum, a Wife and the Finance Minister of our household.
I mean, hubby and I are a team and regularly check in with our goals together, but at the end of the day I've taken it upon myself to be the one who does the 'financial admin'. And, in my experience, many couples and partnerships operate this way. It works for us.
I have a background in retail banking, mortgage lending and a broad range of finance experience.
I’ve seen how people manage their money.
I’ve seen how people DON’T manage their money.
I’ve managed, mis-managed and straight up NOT managed my own money and, like so many families around me, have experienced the overwhelming, suffocating pressure of personal debt.
But, we are on our way to freedom.
Goal Completed! I earned $43 more in tips than I thought I would last night and $72 extra this morning. My last post I had $242 in my Charleston Fund with $58 more to go. The past two days I made $115 extra, so $58 went into my Charleston fund to reach $300 and the remaining $57 is being used to start my Brooklyn fund for my trip in March. I am also budgeting $300 for that trip. This is great because I reached this goal sooner than I thought! Once my trip funds are completed, all of my extra tips will be used to start that debt snowball on my student loans!
2 8an 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 9an hour ago
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My closet. I don’t need much & I wear everything I own. The only thing missing in this picture is one pair of white jeans & red Toms, but other than that this. is. it. When I first started decluttering I found a T-shirt from middle school. That should give you an idea of how much I held onto clothing. Yet somehow even when I had a closet filled with clothes I always felt like I had nothing to wear! Now I only own my favorite things and most importantly everything fits. I finally got rid of those jeans from when I was like 21 that I thought someday would fit again 🤦🏼♀️😂 Hey, we all have hopes and dreams, right? I want to challenge you to try to go through your clothes and only keep the things that you love, would buy again, actually wear and fit right now. Plus, Getting ready in the morning will be easier🙏🏼 I keep pajamas, lounge wear and workout clothes in my dresser which is in my highlights 😊 Oh, and yes that’s my wedding dress preserved in the corner ❤️ #HappyMinimalism
62 7484 days ago
ONE OF THE COOLEST COUPLES ON SOCIAL MEDIA! This is motivating... this is strange... this is F R E E D O M. They are PAYING OFF THE HOUSE 👀. This is #BlackExcellence. #BlackHistoryMonth#Repost@nodebt4us
With a big debt of $300k left to pay on our 🏠 we had no choice but to create a big debt payoff chart. My wife and I are very visual so this is exactly what we need to keep us on track with our goal. We plan to have this goal accomplished in 5-6 years tops, screw that make it 5 years (speak it into existence). So with that being said wish us luck down this debt free road to having a paid for home 🏡. #debtfreecommunity#debtfreejourney#debtfree#debtfreeliving#blackboyjoy
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?
116 12628 hours 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! 😊
And with every kid i let go of myself a little bit more 😂😭
Repost from @askatewouldhaveit
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 65482 days ago
We started at $253,000 combined student loan debt 25 months ago. We have about $65,000 of JP’s graduate theology education left to pay. Today, we paid off physician assistant school, which was $84,000 of the total debt. We are in our final phase of baby step 2! We used the debt snow ball method along with the Dave Ramsey’s baby steps. Praise Lord for this glorious financial milestone! We have been doing some intense budgeting along with lots of work. This milestone was complete with a couple of part time jobs along with our full time jobs, 2 scholarships/grants, and working nights to get to this point. #daveramsey#babystep2#financialpeaceuniversity#physicianassistant#paschool#budgeting#debtfreecommunity#debtfreejourney
99 31513 days ago
We bought a car with CASH last night! Long story short, I have a lease and we knew we needed to pay for a new car with cash for when my lease is up. We started saving each month in a sinking fund. We paid $4,500 for this 2004 Toyota RAV4. We won’t be driving it yet because my lease still has a couple months on it but will instead continue saving money for potential mechanic visits. I cannot believe we have a car title! Neither one of us has ever OWNED a car ourselves. Wow!
54 49711 hours ago
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