This boy! 🥰 Total #mommasboy ... His favorite store is #hobbylobby and I love it because he always rushes to get his shoes on when he finds out I am going there. It’s gonna be kinda bitter sweet when we stop going in 2019 because of #fpu - what he doesn’t know is that was why we were here today. In 2019 I’m giving up my weekly #freshflowers and trading them in for a faux arrangement. I don’t mind too much because we will be working on what we want most vs what we just want now and that’s ok with me. We will still find lots of fun things to do- and we may have to come just for some fun window-shopping! 😂🙌🏽💕🤩
0 9an hour ago
I am beyond blessed that my husband and I did #FPU BEFORE we got married🤵🏽👰🏻. Don't be fooled, we still come across some minor disagreements from time to time but thank God we can always come to a compromise. Let's just say that I voted for our personal spending to be $100🙊🙈.
I am happy that my husband and I can make goals and plans for our future and we can VISUALLY see them. I LOVE doing our budget! If you would like me to send you a blank budget or "piggy🐷bank" template DM me your email and I will send it your way for FREE! 📧😃
TODAY!!!!!! Something BIG! This year alone, my company has released a new blood sugar balancing drink, THREE new shake mixes, a skincare line that is BLOWING UP the media, and some amazing new additions to our compensation plan. Word on the street is tonight they are adding a new product, new program, and new additions for ambassadors of this company.
@daveramsey says the best time to join a company is with the launch of a new product.... SO, who’s in?! Comment below to be added to my VIP list of those who know first!!! 👇🏼💗😇
5 92 hours ago
He made a Way when there was no way! 🙌🏿
🤦🏾♀️ For years I prayed for God to help me get out of “the hole” which is what I referred to as my stressful financial situation.
🙈 House broke, behind on bills and seeing NO WAY of getting out!
🙏🏿 I begged God daily in my prayer and meditation hour to show me how to climb OR pull me out OR lift me up so I could grab the edge and pull myself out... anything!
💁🏾♀️ BUT this was all while I was holding onto my old lifestyle for dear life!
🤭 Wow! I’m realizing as I type this that the “hole” was my lifestyle ...🕳
🙋🏾♀️ When I was ready to let go and walk away... Boom! God made A WAY and then came the blessings — and fast!
😆 Scroll down to get caught up on that! — But all this to say... God makes a way where there seems to be no way! (That should be a song! 😂 See: @elevationworship)
🙌🏿 His promise still stands! Be in His confidence! — Let go and get out!
11 562 hours ago
Start them young!
We subscribe to the 4 Christmas gifts:
Something they want.
Something they need.
Something to wear.
Something to read.
Caleb and Ava got their NEEDS MET with the #FinancialPeaceUniversity JUNIOR Kits during our early Christmas celebration with Grandma and Grandpa! So excited to change history and our family tree!
30K out of debt in 12 months! 42K to go! Here's to being a family of gazelles!
The principles in The Slight Edge apply to all areas of life. It’s the choices that are easy to do and easy not to do that make or break our success, whether it’s physical health, relationships, spiritual growth, or finances. I share these principles when my wife and I teach Financial Peace University. It can be overwhelming to look at things like “how am I going to save for retirement” or “pay for kids’ college” or just afford to live. But if you take small steps... do a budget... review your spending with your spouse or a friend... make milestone goals... reward yourself when you achieve those small goals... you will succeed. It’s the daily choices that make all the difference. Remember, you can’t hike up a mountain in one step, but you also can’t hike up a mountain if you don’t start walking.
👉LINK IN BIO👉 @youngadultsurvivalguide
Okay I may be frugal...potentially some may call me a minimalist, HOWEVER I still have monthly splurges in my budget 😬
Would you splurge on these 2 things?
When I was in debt I would have never...
Now that I am debt free I have more control of the money I make, so I have more options 🙌
Do you have monthly splurges what on and why? 👇
💲💲Planning for the future is hard when you’re still paying for the past! Listen—there’s a better way! Join my Financial Peace University group, and we’ll learn how to beat debt and make a plan for the future . . . together! Join Ron Young starting January 7th! Feel free to message me your questions!
Another milestone in my journey reached! Debt is finally under $10k so I’m in the 4 digits now! Current balance is $9954 and will likely stay that amount until January as I finish up cashing flowing some items this month. A lot has happened for me in December so far, I moved recently and have been busy at work but I’m really looking forward to the holidays and taking vacation. I had two sinking funds this year for Christmas & vacation so I’m totally ready to just enjoy what’s left of the year. Hope everyone has an amazing rest of the year as well! ❤️
Woke up to this beautiful sight. Our last payment posted. Feel embarrassed for putting our family in such difficult financial position and sharing it publicly but at the same time Feel so humbled by God's grace and am compelled to share our story with everyone we meet. Other than our home, we're DEBT FREE! Cars, student loans, credit cards, medical, furniture, and also cash flowed needed trips as well as car/ home repairs. $265+ paid off in 3 years exactly.
Now I share this not to brag because trust me when I say this doesn't necessarily feel like a victory. For those runners, this feels like a marathon. At the end of the race, you feel elated for finishing the race but your body has taken a beating and it hurts so badly. This journey is hard but IT IS SO WORTH IT!
If you're in a place where you feel lost in your finances, or you're in the middle of your debt free journey, listen up. Reach out to me or find an accountability partner to guide you and to help you stay committed to this process. We can't do this alone! But you WILL get there!
Now Baby Step 3 - 6, we're coming for you quickly!
H E L L O G U Y S • As of 12/17/28 I have -$9,558.68 of debt. Today I received the LAST of my medical bills in the mail which comes out to a WHOPPING $1,439.13! I also paid an extra $74 on my credit card and got charged with an extra $18 in interest. To be frank with you all, I have been overwhelmed, and I started comparing myself to the amazing testimonies and success stories that I've been seeing on Instagram. I started wondering why it's taking me so long to accomplish Baby Step 1 and then I realized that every journey is different and we are all on different paths! It's all about behavior change and I want to humbly mention that for the LAST 3 CONSECUTIVE MONTHS I HAVE NOT USED MY CREDIT CARD! My #EmergencyFund is not complete and as tempting as it was to slide back into my old ways I DIDN'T! AND THAT IS THE FUEL I HAVE BEEN SEARCHING FOR! I am truly declaring it in the name of Jesus that I'm going to SMASH through #BS1 so I can change my family tree and honestly... to just breathe a little bit better! 😂🤣now who wouldn't want that!? #gazelleintense#debtfreejourney#sickandtiredofbeingsickandtired#debtfreejourney#debtfreecommunity#financialpeaceuniversity
• I am so thankful that I have found the debt free community on Insta •
It makes it so much easier knowing that you are not going on this journey alone. I love seeing everyone goals, achievements, stories, tips, suggestions and motivation. It helps hold me accountable too! I love being able to lift others up and cheer them on! We are 7 months into this journey and committed to having better financial habits for the rest of our lives! Let’s do this 🙌💪
9 22420 hours ago
Whatever I gotta do to convince people to LIVE LIKE NO ONE ELSE... ya know!? 🤣
🍜 It’s Monday night and all I wanna do is turn on KUWTK and numb out!
🙋🏾♀️ Speaking of KUWTK ...it’s like the funniest show to watch when on a #debtfreejourney...
🤦🏾♀️ But also the w o r s t show to watch when on a debt free journey!
💁🏾♀️ And now you know my NOT SO GUILTY pleasure!
😃 OK! Now you have to tell me your “Guilty Pleasure” 😆 I want to know! I wanna know! 🙌🏿🖤
22 18920 hours ago
• • •
As more and more of the #debtfreecommunity become debt free, I frequently see people say it’s much harder to save than it was to pay off debt.
And it is. It’s just different. Even if your goals are big enough to carry the fire you had while paying off debt over to your new journey of saving money, you cannot rely on motivation alone to keep you on track. So how do you keep from losing steam?
Automate. Your. Savings.
This is key! You have essentially received a huge pay increase by becoming debt free. Now that you no longer owe anyone any of that money, you have to take control of it immediately. Otherwise, you will find things popping up left and right that you all of a sudden realize you “need.” You’ll find yourself justifying your spending with, “Oh well, I’m debt free.” You’ll come across things you “deserve” because you went without them for so long. Before you know it, it’s been months since you became debt free and you’re not even close to where you thought you’d be.
If you truly want more than just freedom from debt, you have to develop a system that works for you and put in place the automation necessary to comply with that system.
For us, this was deciding to save 100% of my income. To make sure this happens, we set up my paychecks to be direct deposited to an online savings account separate from our local checking account. We have no debit card or checks for this account. It doesn’t feel like the money is even there. We never see it, so we never miss it. Out of sight, out of mind.
Saving 100% of an income may not be feasible for you yet, but now that you’re debt free, there is definitely a percentage that you can save. You just have to figure out the system that will work best for you and your family.
If you automate your savings, share your system!👇🏻 #OVO#earntheright#KingdomTake#money#savings#budget#FinancialFreedom#debtfreecommunity#peace#lagos#portharcort#poetry#training#businesspeople#entrepreneur#motivation#inspiration#bs3#babysteps3#financialpeaceuniversity#friend#aesthetics#sidehustle#passiveincome#moneymanagement#laugh#christmas#give
First FPU session completed. 9 weeks of good times with great people. We're all better equipped to turn goals and dreams into reality, as we learn to live with intention. Game changer #financialpeaceuniversity#freedom2018
0 2921 hours ago
Writing things down in my planner makes me feel so good. I’m one of those people that has to write it down and see it to remember it. This is one area of my life that I try to stay on top of so that it keeps me organized. What are some things you do to stay organized financially and in your everyday life?
1 4222 hours ago
So it’s official! I have been voted into the prestigious Top 100 people in finance for 2019! This year has been the absolute biggest rush for me as my website and podcast have exploded and now to receive this honor, I’m truly grateful and humbled to have been selected. This is only the beginning! Thank you so much for your support!
37 5522 hours ago
So my husband and I got married this September and I moved in with him and we have been doing A LOT of renovations to our home🏡 (painting, replacing pipes). I really enjoy shopping but I've cut down on it A LOT because we have goals to meet (paying off home, finishing emergency fund, retirement...) BUT my birthday🎁 was a few weeks ago and I got an H&M gift card and I bought 5 new tops and the only money (budgeted) that came out of my wallet was 👀.57 CENTS.👀 I had some promo codes for H&M which brought down the cost and I shopped only in the clearance section🏷. I totally geeked out over my mini little "shopping" spree. 🤓
👉☆in all the planning and number crunching chaos, don't forget a little SELF CARE. Find one thing to do or a small purchase that will bring you joy(budgeted). If you PLAN for it, you can make it happen☆
What made a huge impact on our finances? Developing and sticking to a BUDGET💱. We do our budget biweekly since we get paid every two weeks.
Why we love a budget:👇
1. We are in control of our finances by "telling" our money where to go
2. We are able to keep track of where our money is spent 📈
3. We are able to put more money into savings since we aren't spending 💰 on unnecessary things
4. We are able to set goals and plan for trips and cash flow💸 the WHOLE thing 🙆♀️🙆♂️
4. We feel like we have MORE LIBERTY🔓 with a budget. ⭐most people think that budgets are constricting, and they most definitely can be, ESPECIALLY in the beginning stages of your debt free journey. But once you surpass those first few steps, the power of a budget is limitless. You have better control of your finances and you start to see how much UNECESSARY spending you used to do. At least I did 🤦🏼♀️
0 74 days ago
Popular Instagram Photos
Since posting on my story a few days ago that my wife and I had paid off our student loans I’ve received over 30 messages from other medical providers sharing their debt stories. It’s crazy how much current schooling costs and broke my heart to hear the amount of debt so many people have and the hopelessness some individuals shared with me.
Many requested advice on how I paid off $250,000 of student loans between myself (a physical therapist) and my wife (a pharmacist). I began paying my loans off 5 years ago and when we got married two years ago, we immediately went to work on paying each others off as fast as possible. Here’s how we did it:
The statistics on divorce rates are off the chart and one of the biggest reasons for divorce is financial problems. Years before we got married, my wife and I took @daveramsey FINANCIAL PEACE UNIVERSITY course. We wanted to ensure that we had the same principles of financial management (even though we didn’t always agree on specific details, we were always moving in the same direction). I can’t recommend this course enough to anyone striving for financial responsibility. .
MAKE A BUDGET - Rachel and I worked really hard to know what we were doing with our money. This meant tracking expenses, saving for bigger items, and constantly communicating. Staying on budget is TOUGH but makes paying loans off much easier.
MAKE SACRIFICES - with that much debt we had two options (1) live life doing anything and everything we wanted while dragging loans out for extra years and paying much more in interest OR (2) deciding to spend money on only those things that had great happiness : cost ratios. We sacrificed a lot by passing on many great trips with friends, buying a home, and skipping nights out. THIS DIDN’T MEAN WE WERE MISERABLE. In fact, in the budget we gave ourselves room to enjoy life and permission to spend, BUT we carefully examined those spending decisions.
CONTINUED IN FIRST COMMENT
We never had intentions of moving out of our 1100 sq ft townhome. Was it my dream home? No, but I was ok with that. || I’ll never forget the day my husband came home and said he wanted to start budgeting almost 8 years ago. I also remember him saying next that he wanted to become debt free: pay off our cars, credit cards, and our TOWNHOME!!!!!!! “Say what?!?!?!?!?!?” I thought that surely he was mistaken, and confused because all of that debt was over $200k. || He convinced me. We started budgeting. I got a second job. We started working like no one else. We started selling stuff. We started saying no to lots of purchases. We set out on a debt-free journey together. || It was hard. I wanted to stop many times along the way, because I never worked so hard for anything in my life (except maybe nursing school, that was pretty hard too). || I became the “yes” girl at work. “Yes” I will work 16 hour shifts multiple times a week, “yes” I will only sleep 4 hours so that I can come back and make that early morning overtime, “yes” I will sacrifice my plans so that I can pick up that shift because it will get me that much closer to our goal! Thankfully Kyle had the opportunity in his job to do the same thing. || And then, 33 months later, in November of 2013, we did it. We were totally debt free. I made a photo album that Christmas and gave it to my husband. We had been keeping track monthly by taking pictures with a visual aid that Kyle made, and by the end we were pregnant with our first baby. || We then used the sale of that home towards the purchase of our current dream home. We do have a reasonable mortgage now, and we are still otherwise debt free. || I share this because we were inspired by somebody else’s story, and we never would have done all of this had we not heard that story. If you are thinking of becoming debt-free, or going on a budget, I would encourage you to do it, and start now! We did the @daveramsey plan and never looked back. We are on his baby step #6, and hope to change our family legacy for our niños. || Who else is on a budget, or follows @daveramsey baby steps? Would love to hear from you! #daveramsey 📷: @jacquiejohnsonphoto
322 27984:11 AM Dec 6, 2018
Anyone else doing a savings challenge for 2019?! We are doing the 52 weeks to $5k challenge.
Yeah this month has mostly been🗑budget-wise. We've taken trips out of town the last 2 weekends to help my mom out with planning after my great-grandmother passed away last Thursday. Thankfully she had a lot of things planned already but there was still tons to do.
Times like this make me glad we got serious about our money back in 2014 as we've paid for standard travel expenses including hotel stays, food, etc and other things. We also helped a family member get new tires for their car that they otherwise wouldn't have been able to afford. We could have justified pulling all this from our emergency fund, however, it was better to just cashflow everything. (So thankful for that pay raise that came with the new job.)
If you dont have a will, life insurance, etc., please spend time on that ASAP. Things could have gotten VERY messy had my great-grandmother not taken the time to get at least a few things in order and that's just not something you want your loved ones to deal with while emotions are already high. I also took time to make sure everybody had life insurance and everything before we came home today. It can be a tough conversation to have with family, but it's definitely a necessary one.
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