#budgetmom Instagram Photos & Videos

budgetmom - 15.3k posts

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November was the smallest amount we've put towards debt over the past 6 months and a bit, yet last month's debt payment was the most impactful for me. And that's because it is the first time in around three years where the only debt we paid was the mortgage! Can't believe that we've had some form of consumer debt since 2016! 😱 Actually, I can believe it because we were stoooopid 🙃 but thankfully we said bye bye to that life in October. 😅 There is something INSANELY rewarding about paying for things in cash and knowing that the money to buy what we are is in our hands and not going into debt - that's the feeling I've been waiting for!

November was the smallest amount we've put towards debt over the past 6 months and a bit, yet last month's debt payment was the most impactful for me. And that's because it is the first time in around three years where the only debt we paid was the mortgage! Can't believe that we've had some form of consumer debt since 2016! 😱 Actually, I can believe it because we were stoooopid 🙃 but thankfully we said bye bye to that life in October. 😅 There is something INSANELY rewarding about paying for things in cash and knowing that the money to buy what we are is in our hands and not going into debt - that's the feeling I've been waiting for!
26 1 1 hour ago

This is one side of the girls room, the quilt cover is discontinued.. However, I have found one practically identical that I’ve purchased & will be using on the other bed in this room.

I still need to purchase the paint for the bedside table, a rug & I’m thinking a boho style wall hanging to go in the middle. I can’t wait to show you guys everything because this will be a huge room revamp for under $200!

I really hope the girls will love it. I’m actually so excited to see their reactions.


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#ItsGotToGo #babystep #babystepone #babystep1 #babystep2 #babysteptwo #daveramsey #debtsucks #debtfreejourney #debtfreecommunity #budgetmom #savingourfuture #debtbegone #bosslady #debtisdumb #StartSmall #BabyStepTwo #BabyStep2 #budgetmum #organisedmum #debtsnowball #debtfreecommunity #debtfree #debtsucks #savingmoney #smashingmydebt #organised #goaldigger #gettingoutofdebt #debtfreecommunityaustralia

This is one side of the girls room, the quilt cover is discontinued.. However, I have found one practically identical that I’ve purchased & will be using on the other bed in this room.

I still need to purchase the paint for the bedside table, a rug & I’m thinking a boho style wall hanging to go in the middle. I can’t wait to show you guys everything because this will be a huge room revamp for under $200!

I really hope the girls will love it. I’m actually so excited to see their reactions.
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#ItsGotToGo #babystep #babystepone #babystep1 #babystep2 #babysteptwo #daveramsey #debtsucks #debtfreejourney #debtfreecommunity #budgetmom #savingourfuture #debtbegone #bosslady #debtisdumb #StartSmall #BabyStepTwo #BabyStep2 #budgetmum #organisedmum #debtsnowball #debtfreecommunity #debtfree #debtsucks #savingmoney #smashingmydebt #organised #goaldigger #gettingoutofdebt #debtfreecommunityaustralia
37 2 6 hours ago

Frugal living at its best!🤗 Who says you have to go to a fancy and expensive spa to have a relaxing time🤷🏻‍♀️ I say buy $1.00 face mask and get in your tub! Heck enjoy it since your paying monthly in your mortgage 🤪 #saving #spa This is just one of the many ways I plan to save in 2020! At home spa days 🤑🤣🥰🥰🥰🥰 who’s with me?!? #debtfreecommunity #debtfreejourney #budgeting #budgetingtips #dfc #relax #budget #frugalliving #frugal #budgetmom #goals #daveramseyplan #moneysavingtips #loveyourself #loveyou #instagood #likeforlikes #relaxationtime #metime💕 #newyearsgoals #debtfreeliving #debtsucks #debtrelief

Frugal living at its best!🤗 Who says you have to go to a fancy and expensive spa to have a relaxing time🤷🏻‍♀️ I say buy $1.00 face mask and get in your tub! Heck enjoy it since your paying monthly in your mortgage 🤪 #saving #spa This is just one of the many ways I plan to save in 2020! At home spa days 🤑🤣🥰🥰🥰🥰 who’s with me?!? #debtfreecommunity #debtfreejourney #budgeting #budgetingtips #dfc #relax #budget #frugalliving #frugal #budgetmom #goals #daveramseyplan #moneysavingtips #loveyourself #loveyou #instagood #likeforlikes #relaxationtime #metime💕 #newyearsgoals #debtfreeliving #debtsucks #debtrelief
9 2 8 hours ago

The Budget Coaching Program is open for enrollment again and will be starting in March of 2020. So if you want to work with me for a month, here is your chance to do so!⁣⁣
⁣⁣⁣⁣
🔗Click the link in my bio and tap picture of the program or the 1st button. Or 📲DM the word COACH to get the direct link. ⁣
⁣⁣
This 4 week session will focus on:⁣⁣⁣⁣
⁣⁣⁣⁣
-Setting personalized financial goals and creating an action plan for achieving them.⁣⁣
-How to create a budget that will help save you money⁣⁣
-How to regularly monitor and review your budget for optimum success ⁣⁣⁣⁣
-Strategies that will help you stick to your budget⁣⁣
⁣⁣
The program is $197 vs $531. I am offering a payment plan for those who would like to pay over the next 3 months. ⁣

Im only letting 10-15 people in this group so that everyone will be able to receive the attention they need to grow their finances.⁣⁣ You will also have weekly 1:1 sessions with me to review the homework, material, and answer any questions you may have about your budget.⁣⁣
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All classes are recorded, so after the group coaching session ends you will have access to the replays for one year.⁣⁣ ⁣⁣
⁣⁣
The class schedule:⁣⁣
⁣⁣
March 4th- Determining Your Financial Goals⁣⁣
March 11th- Planning Your Budget⁣⁣
March 18th- Sticking To Your Budget⁣⁣
March 25th- Tracking Your Progress⁣
⁣⁣⁣⁣
Want to start your 1st quarter off right? ⁣

🔗Click the link in my bio and tap picture of the program or the 1st button. Or 📲DM the word COACH to get the direct link.

The Budget Coaching Program is open for enrollment again and will be starting in March of 2020. So if you want to work with me for a month, here is your chance to do so!⁣⁣
⁣⁣⁣⁣
🔗Click the link in my bio and tap picture of the program or the 1st button. Or 📲DM the word COACH to get the direct link. ⁣
⁣⁣
This 4 week session will focus on:⁣⁣⁣⁣
⁣⁣⁣⁣
-Setting personalized financial goals and creating an action plan for achieving them.⁣⁣
-How to create a budget that will help save you money⁣⁣
-How to regularly monitor and review your budget for optimum success ⁣⁣⁣⁣
-Strategies that will help you stick to your budget⁣⁣
⁣⁣
The program is $197 vs $531. I am offering a payment plan for those who would like to pay over the next 3 months. ⁣
⁣
Im only letting 10-15 people in this group so that everyone will be able to receive the attention they need to grow their finances.⁣⁣ You will also have weekly 1:1 sessions with me to review the homework, material, and answer any questions you may have about your budget.⁣⁣
⁣⁣
All classes are recorded, so after the group coaching session ends you will have access to the replays for one year.⁣⁣ ⁣⁣
⁣⁣
The class schedule:⁣⁣
⁣⁣
March 4th- Determining Your Financial Goals⁣⁣
March 11th- Planning Your Budget⁣⁣
March 18th- Sticking To Your Budget⁣⁣
March 25th-  Tracking Your Progress⁣
⁣⁣⁣⁣
Want to start your 1st quarter off right? ⁣
⁣
🔗Click the link in my bio and tap picture of the program or the 1st button. Or 📲DM the word COACH to get the direct link.
48 5 9 hours ago

Slowly but surely!! I wish I could go gazelle intense right now especially since I didn’t save a lot for my holidays sinking fund, and also because I have an infant. But I will be patient in the meantime. This debt consists of credit cards, one student and auto loan, medical bill, and a default in collections. #debtfreejourney #debtfreecommunity #babysteptwo #debtsnowball #daveramsey #budgetmom #momsonabudget #cashenvelopesystem #decemberprogress #decembernumbers #financialindependence #millenialindebt

Slowly but surely!! I wish I could go gazelle intense right now especially since I didn’t save a lot for my holidays sinking fund, and also because I have an infant. But I will be patient in the meantime. This debt consists of credit cards, one student and auto loan, medical bill, and a default in collections. #debtfreejourney #debtfreecommunity #babysteptwo #debtsnowball #daveramsey #budgetmom #momsonabudget #cashenvelopesystem #decemberprogress #decembernumbers #financialindependence #millenialindebt
26 0 9 hours ago

Hello winter ❄️ FYI @Walmart has these socks on clearance $3 for 9 pairs 😳. Needless to say I got a pack for each family member 😂. #momlife #carmrylslittlefamily #budgetmom

Hello winter ❄️ FYI @Walmart has these socks on clearance $3 for 9 pairs 😳. Needless to say I got a pack for each family member 😂. #momlife #carmrylslittlefamily #budgetmom
4 0 9 hours ago

Though I am only 14.5 weeks along I could not leave the store without this infant seat. It is brand new and was roughly more than 50% off at our local thrift store. It has a cheap car seat base that I prolly will not use as it requires me to almost dump baby out to remove. I used this style seat all the time with M but carried Ij more in her boba air than the infant seat, in some instances I love having this though so they can sleep, not straddled to me every second. Saving money where I can. Used part of a gift card to buy this 🥳🥳 #budgetmom #budgetlife #secondtrimester #newsecondhand #thriftymom

Though I am only 14.5 weeks along I could not leave the store without this infant seat. It is brand new and was roughly more than 50% off at our local thrift store. It has a cheap car seat base that I prolly will not use as it requires me to almost dump baby out to remove. I used this style seat all the time with M but carried Ij more in her boba air than the infant seat, in some instances I love having this though so they can sleep, not straddled to me every second.  Saving money where I can. Used part of a gift card to buy this 🥳🥳 #budgetmom #budgetlife #secondtrimester #newsecondhand #thriftymom
3 0 10 hours ago

We had so much fun making our salt dough ornaments yesterday! It’s a fun, simple Christmas activity to do with your kiddos, and you probably have everything to make them on hand. Swipe to get the recipe I used. I did end up using close to 3 cups of flour instead of 2, just gradually add it until it’s not sticky. Also, don’t paint your ornaments until after you bake them. #debtfreecommunity #debtfreejourney #frugalliving #frugalmom #budgetlife #budgetmom #frugalchristmas #daveramseybabysteps #financialfreedom

We had so much fun making our salt dough ornaments yesterday! It’s a fun, simple Christmas activity to do with your kiddos, and you probably have everything to make them on hand. Swipe to get the recipe I used. I did end up using close to 3 cups of flour instead of 2, just gradually add it until it’s not sticky. Also, don’t paint your ornaments until after you bake them. #debtfreecommunity #debtfreejourney #frugalliving #frugalmom #budgetlife #budgetmom #frugalchristmas #daveramseybabysteps #financialfreedom
37 2 12 hours ago

Y’all asked for a Christmas budget update so here it is. I budgeted $1250 for 11 adults and 9 kids. I still need to buy my Dad and Husband a gift (they are always the hardest to shop for 🤪) I will most definitely have money leftover and will roll that into our December savings fund. ❤️ I only shopped at two stores. Target and Costco I wanted to share some gift ideas! For women in my family they love wine so you can pair that with a lot. A blanket, book or even some chocolates. I love Costco wine and they have some great bottles for $10. For the Men I usually get sweatshirts (which are amazing quality and price at Costco) or some sports theme items like a mug from their favorite football team. How are you feeling about your Christmas budget this year? #budget #budgetmom #budgeting #christmasbudget #debtfreejourney

Y’all asked for a Christmas budget update so here it is. I budgeted $1250 for 11 adults and 9 kids. I still need to buy my Dad and Husband a gift (they are always the hardest to shop for 🤪) I will most definitely have money leftover and will roll that into our December savings fund. ❤️ I only shopped at two stores. Target <online and delivery> and Costco <in store> I wanted to share some gift ideas! For women in my family they love wine so you can pair that with a lot. A blanket, book or even some chocolates. I love Costco wine and they have some great bottles for $10. For the Men I usually get sweatshirts (which are amazing quality and price at Costco) or some sports theme items like a mug from their favorite football team. How are you feeling about your Christmas budget this year?#budget #budgetmom#budgeting#christmasbudget#debtfreejourney
116 3 12 hours ago

Make your calendars! THIS Saturday at @bathandbodyworks it’s candle day 🕯️ That means.. all three wick candles are $8.95! Normally $24.50 .
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A perfect way to grab some last minute gifts that are budget friendly! What is your favorite candle scent from Bath and Body Works? I love Rose Water & Ivy and Cactus Blossom 😍
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#budgeting #budgetplanner #budgetmeals #budget #budgiesofinstagram #budgetingtips #budgetnista #budgetblogger #frugal #frugalliving #savemoneylivebetter #deals #dealsandsteals #dealsondeals #moneymoves #moneytalks #norcalblogger #dealhunter #moneysavingtips #chicoca #christmasideas #waystosave #budgetmom

Make your calendars! THIS Saturday at @bathandbodyworks it’s candle day 🕯️ That means.. all three wick candles are $8.95! Normally $24.50 .
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A perfect way to grab some last minute gifts that are budget friendly! What is your favorite candle scent from Bath and Body Works? I love Rose Water & Ivy and Cactus Blossom 😍
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#budgeting #budgetplanner #budgetmeals #budget #budgiesofinstagram #budgetingtips #budgetnista #budgetblogger #frugal #frugalliving #savemoneylivebetter #deals #dealsandsteals #dealsondeals #moneymoves #moneytalks #norcalblogger #dealhunter #moneysavingtips #chicoca #christmasideas #waystosave #budgetmom
29 0 13 hours ago

Love this color😍
There’s 4 colors to choose from, swipe 👉 to see other colors!
Which one is your favorite?
Dm to order ❤️ 🥰
🥰

A must have purse😍🤩
Dm to get order one or if have any ?s 🖤
🖤
🖤

#fashionlover #ltkfall #workwear #chicstyle #discoverunder10k #budgetfriendly #budgetmom #budgetfriendlyfashion #affordablefashion #affordablestyle #outfitinspo #officechic #outfitideas #falloutfits #fallfashiontrends #rsbloggers #crossbodybag #crossbodybags #bohostyle #bohochic #trendy #trends #fashiontrend #momstyle #moda #modafashion #modastyle #bolsadeluxo #bolsas

Love this color😍
There’s 4 colors to choose from, swipe 👉 to see other colors!
Which one is your favorite?
Dm to order ❤️ 🥰
🥰

A must have purse😍🤩
Dm to get order one or if have any ?s 🖤
🖤
🖤

#fashionlover #ltkfall #workwear #chicstyle #discoverunder10k #budgetfriendly #budgetmom #budgetfriendlyfashion #affordablefashion #affordablestyle #outfitinspo #officechic #outfitideas #falloutfits #fallfashiontrends #rsbloggers #crossbodybag #crossbodybags #bohostyle #bohochic #trendy #trends #fashiontrend #momstyle #moda #modafashion #modastyle #bolsadeluxo #bolsas
20 0 13 hours ago

If you’re not sure what you should be spending in your budget categories, use this as a guide. ⁣⁣
⁣⁣
If you need help fine tuning your budget, get the Budget Bundle. You’ll get instant access to 3 EBooks and 3 Video Trainings total value $182. 🔗Click the link in my bio and tap the bundle picture or the 1st button to get the bundle. ⁣⁣
⁣⁣
💾Save this post! ⁣

*Note: This is just a guide. If you don’t use these figure, I’m okay with that.

If you’re not sure what you should be spending in your budget categories, use this as a guide. ⁣⁣
⁣⁣
If you need help fine tuning your budget, get the Budget Bundle. You’ll get instant access to 3 EBooks and 3 Video Trainings total value $182. 🔗Click the link in my bio and tap the bundle picture or the 1st button to get the bundle. ⁣⁣
⁣⁣
💾Save this post! ⁣
⁣
*Note: This is just a guide. If you don’t use these figure, I’m okay with that.
414 10 15 hours ago

Anything is Possible⁣

At times, as entrepreneurs we can be hard on ourselves because things aren’t moving the way that we want them but there is beauty in building and growing. 🙌⁣

Many successful entrepreneurs share one common belief and that is that they believe anything is possible even when others tell that it is impossible... 😱⁣

One of the beautiful things about creating a business is actually believing in it when you don’t see it manifesting as fast as you want it. 🙌⁣

Believing that one day you will be successful is what can keep a person going on hard days and help you push pass negative thoughts. ⁣

🌟I know it may seem like life is going in circles, but don’t give up!⁣

🌟I know it seems like you have been going around the mountain for years but don’t give up! ⁣

🌟I know that it seems like every obstacles is hitting you in the face this season but don’t give up! ⁣

Whenever you feel stuck, don’t let that be your end..⁣

No matter how hard it gets, you have what I takes to take your side hustle or business to the next level..⁣

It’s alright to rest but please never give up! ⁣
Your hard work and pursuit will pay off! 🙌⁣
(See Galatians 6;9)⁣


You got this. . I believe in each of you!⁣
Let’s finish this last decade out strong. :) ⁣


PS. Put up a sign in your house or work space that reminds you to never give up! ✌️

Anything is Possible⁣
⁣
At times, as entrepreneurs we can be hard on ourselves because things aren’t moving the way that we want them but there is beauty in building and growing. 🙌⁣
⁣
Many successful entrepreneurs share one common belief and that is that they believe anything is possible even when others tell that it is impossible... 😱⁣
⁣
One of the beautiful things about creating a business is actually believing in it when you don’t see it manifesting as fast as you want it. 🙌⁣
⁣
Believing that one day you will be successful is what can keep a person going on hard days and help you push pass negative thoughts. ⁣
⁣
🌟I know it may seem like life is going in circles, but don’t give up!⁣
⁣
🌟I know it seems like you have been going around the mountain for years but don’t give up! ⁣
⁣
🌟I know that it seems like every obstacles is hitting you in the face this season but don’t give up! ⁣
⁣
Whenever you feel stuck, don’t let that be your end..⁣
⁣
No matter how hard it gets, you have what I takes to take your side hustle or business to the next level..⁣
⁣
It’s alright to rest but please never give up! ⁣
Your hard work and pursuit will pay off! 🙌⁣
(See Galatians 6;9)⁣
⁣
⁣
You got this. .  I believe in each of you!⁣
Let’s finish this last decade out strong. :) ⁣
⁣
⁣
PS. Put up a sign in your house or work space that reminds you to never give up! ✌️
48 11 15 hours ago

"Pardon me, do you have any Grey Poupon?" Sorry I had to😂🤣😉 @99centsonly store #99centsonly #99centsonlystore #99centsonlystorefinds #99hauler #budgetmom #99obsessed #Dothe99

"Pardon me, do you have any Grey Poupon?" Sorry I had to😂🤣😉 @99centsonly store #99centsonly #99centsonlystore #99centsonlystorefinds #99hauler #budgetmom #99obsessed #Dothe99
18 0 16 hours ago

Perfect gifts for the stylish little girl in your life!!! @99centsonly store #99centsonly #99centsonlystore #99centsonlystorefinds #99hauler #budgetmom #99obsessed #Dothe99

Perfect gifts for the stylish little girl in your life!!! @99centsonly store #99centsonly #99centsonlystore #99centsonlystorefinds #99hauler #budgetmom #99obsessed #Dothe99
29 1 16 hours ago

What!!!! Ear buds for $7.99 @99centsonly store! Has anyone tried these yet? #99centsonly #99centsonlystore #99centsonlystorefinds #99hauler #budgetmom #99obsessed #Dothe99

What!!!! Ear buds for $7.99 @99centsonly store! Has anyone tried these yet? #99centsonly #99centsonlystore #99centsonlystorefinds #99hauler #budgetmom #99obsessed #Dothe99
36 0 16 hours ago

I understand we're all here to pay off debt but car insurance is still consider a debt since it's mandatory to have. I was hesitant in the decision i made of paying the insurance before debt but living paycheck to paycheck and having a small savings isn't easy.
I have $4,300 in savings and a decision to make. (I saved so that I can cover expenses during times i take baby bonding and have a pay cut)

1. Paying off car insurance for 6 months allows me to add $300 to my snowball. $1772 paid and still have over $2,000 in savings for emergencies and baby bonding pay cuts.

2. Currently I am paying only $300 to snowball and it's not enough to cover all interest and lower payments

3. Now I can snowball $600 and payoff my capital one card in 2 1/2 months.
4. If I paid off Capital One to start I would only have $76 to snowball and wouldn't make a difference in payment time.

5. My next card is Chase and I will be able to pay $676 on top of that minimum payment ($132)
6. Pay off by the time my next car insurance payment is due! With only one credit card to tackle. 😉 I will have to find a solution in that time *I am looking for cheaper insurance no luck just yet. But I can request a refund if I find cheaper else where and save money*

I understand we're all here to pay off debt but car insurance is still consider a debt since it's mandatory to have. I was hesitant in the decision i made of paying the insurance before debt but living paycheck to paycheck and having a small savings isn't easy. 
I have $4,300 in savings and a decision to make. (I saved so that I can cover expenses during times i take baby bonding and have a pay cut)

1. Paying off car insurance for 6 months allows me to add $300 to my snowball. $1772 paid and still have over $2,000 in savings for emergencies and baby bonding pay cuts.

2. Currently I am paying only $300 to snowball and it's not enough to cover all interest and lower payments

3. Now I can snowball $600 and payoff my capital one card in 2 1/2 months. 
4. If I paid off Capital One to start I would only have $76 to snowball and wouldn't make a difference in payment time.

5. My next card is Chase and I will be able to pay $676 on top of that minimum payment ($132) 
6. Pay off by the time my next car insurance payment is due! With only one credit card to tackle. 😉 I will have to find a solution in that time *I am looking for cheaper insurance no luck just yet. But I can request a refund if I find cheaper else where and save money*
16 1 16 hours ago

Dinner doesn’t have to be fancy every night. Give yourself a break on those nights you’re most busy with a simple meal. Really the part that is unmissable about dinner isn’t the food, it’s the part where you gather with your people and tell stories, laugh, and BELONG. ❤️
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#eattogether #savefamilydinner #familydinner #budgetdinner #budgeting #budgetmom #momlife #gather #familytime #familyfirst❤️ #easymeals #momhustle

Dinner doesn’t have to be fancy every night. Give yourself a break on those nights you’re most busy with a simple meal. Really the part that is unmissable about dinner isn’t the food, it’s the part where you gather with your people and tell stories, laugh, and BELONG. ❤️
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#eattogether #savefamilydinner #familydinner #budgetdinner #budgeting #budgetmom #momlife #gather #familytime #familyfirst❤️ #easymeals #momhustle
43 4 18 hours ago

I am expecting baby number 3 in April. I saved my baby items from baby 1 and 2 . I bought most of my big ticket items neutral with my first two boy/girl. A family member made a comment that too bad the third is getting all the hand me downs as a joke (not ill willed). We don’t always need newer and better, especially when the items are just as good for the third 💛 I see it like this: I have memories of myself holding my children in the same rocking chair, or have photos of all of them wearing the same sweet outfit or taking them home in the same car seat (which is still within its safety date to use) It’s really all perspective. 💛 #debtfreejourney #budget #budgetmom #daveramseybabysteps #daveramsey #financialjourney #budgeting

I am expecting baby number 3 in April. I saved my baby items from baby 1 and 2 . I bought most of my big ticket items neutral with my first two boy/girl. A family member made a comment that too bad the third is getting all the hand me downs as a joke (not ill willed). We don’t always need newer and better, especially when the items are just as good for the third 💛 I see it like this: I have memories of myself holding my children in the same rocking chair, or have photos of all of them wearing the same sweet outfit or taking them home in the same car seat (which is still within its safety date to use) It’s really all perspective. 💛#debtfreejourney #budget#budgetmom#daveramseybabysteps #daveramsey #financialjourney#budgeting
510 47 18 hours ago

📣BREAKING NEWS: I am interrupting your Instagram feed to bring you this special bulletin📣⁠

Life goes on after Christmas! You do know that, right?⁠

In the past, I was always blindsided by annual expenses as if I had no clue they were coming. My birthday is the week after Christmas and I'm ALWAYS expected to pay for my vehicle registration, organization dues and other annual fees within that first week. ⁠

I'd always pay those feels PLUS A LATE FEE because I was always broke coming out of the Christmas season. I had to wait for my second paycheck to pay these fees. ⁠

Remember that new year always brings new fees. Whether it's vehicle registration, annual dues for your private and civic organizations, taxes, property taxes and if you're a parent those daycare annual fees.....⁠

Review your budget BEFORE spending any money to ensure you're able to cover the cost of these expenses.....⁠

🌟This concludes my broadcast, you can now return you to regularly scheduled instagram feed🌟⁠

#unexpectedexpenses #christmas #christmasshopping #christmasgifts #holiday #holidayseason #holidays #holidayshopping #blackgirlsbudget #blackwealth #happynewyear #newyear #debtfreecommunity #debtfreejourney #budgetlife #budgeting #personalfinanceforwomen #millennials #money #frugaltips #budgettips #budgetmom #frugalmom #coincountinmama #workingmoms

📣BREAKING NEWS: I am interrupting your Instagram feed to bring you this special bulletin📣⁠
⁠
Life goes on after Christmas! You do know that, right?⁠
⁠
In the past, I was always blindsided by annual expenses as if I had no clue they were coming. My birthday is the week after Christmas and I'm ALWAYS expected to pay for my vehicle registration, organization dues and other annual fees within that first week. ⁠
⁠
I'd always pay those feels PLUS A LATE FEE because I was always broke coming out of the Christmas season. I had to wait for my second paycheck to pay these fees. ⁠
⁠
Remember that new year always brings new fees. Whether it's vehicle registration, annual dues for your private and civic organizations, taxes, property taxes and if you're a parent those daycare annual fees.....⁠
⁠
Review your budget BEFORE spending any money to ensure you're able to cover the cost of these expenses.....⁠
⁠
🌟This concludes my broadcast, you can now return you to regularly scheduled instagram feed🌟⁠
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#unexpectedexpenses #christmas #christmasshopping #christmasgifts #holiday #holidayseason #holidays #holidayshopping #blackgirlsbudget #blackwealth #happynewyear #newyear #debtfreecommunity #debtfreejourney #budgetlife #budgeting #personalfinanceforwomen #millennials #money #frugaltips #budgettips #budgetmom #frugalmom #coincountinmama #workingmoms
71 10 18 hours ago

Our family really loves dance parties 🕺🏿💃🏼⠀

Fun and Frugal ideas is going to be an ongoing series here. This list of budget friendly ideas are a combination of things we’ve done and things we’ve thought would be fun. We love to keep things interesting, it helps budgeting seem less...restrictive. ⠀

Restriction is one of my hardest things to handle. I hate being told I can’t do something. So when fun things are in my control (while we still learn how to say “no” to things that don’t align with our goals), we set ourselves up for budget success! ⠀

We are excited to share some of these ideas with you, and are excited to hear some of your most favorite budget ideas. ⠀

Please, leave your favorite song in the comments, so we can add it to our dance party playlist!

Our family really loves dance parties 🕺🏿💃🏼⠀
⠀
Fun and Frugal ideas is going to be an ongoing series here.  This list of budget friendly ideas are a combination of things we’ve done and things we’ve thought would be fun.  We love to keep things interesting, it helps budgeting seem less...restrictive. ⠀
⠀
Restriction is one of my hardest things to handle. I hate being told I can’t do something. So when fun things are in my control (while we still learn how to say “no” to things that don’t align with our goals), we set ourselves  up for budget success! ⠀
⠀
We are excited to share some of these ideas with you, and are excited to hear some of your most favorite budget ideas. ⠀

Please, leave your favorite song in the comments, so we can add it to our dance party playlist!
9 1 19 hours ago

• TOMMY • Mooi groen is niet lelijk! Ik hou van kleurtjes voor Lewis. Als je mijn eigen kast ziet is het zwart, zwart en nog is zwart! Zo lekker save! Dit super leuke shirtje is de laatste van de 4 gescoorde shirtjes op de markt voor maar €0,20! Zo krijg je veel voor weinig😍
#baby #babykoopje #tip #koopje #babyboy #babyoutfit #momlife #shopping #follow #buy #like #budgettips #lowbudget #babymodel #influencer #babyinfluencer #babylike #babylove #babyshop #babystyle #babyfashion #ilike #love #babycute #budget #budgetshopping #budgetmom #budgetlife #momlife #followers

• TOMMY • Mooi groen is niet lelijk! Ik hou van kleurtjes voor Lewis. Als je mijn eigen kast ziet is het zwart, zwart en nog is zwart! Zo lekker save! Dit super leuke shirtje is de laatste van de 4 gescoorde shirtjes op de markt voor maar €0,20! Zo krijg je veel voor weinig😍 
#baby #babykoopje #tip #koopje #babyboy #babyoutfit #momlife #shopping #follow #buy #like #budgettips #lowbudget #babymodel #influencer #babyinfluencer #babylike #babylove #babyshop #babystyle #babyfashion #ilike #love #babycute #budget #budgetshopping #budgetmom #budgetlife #momlife #followers
11 0 19 hours ago

I call this— a fancy peanut butter sandwich falls in love with a rugged taco & they have this baby in the fall.
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It’s a charred sweet potato & maple caramelized banana taco WITH cinnamon-raisin-apple slaw + a peanut butter drizzle.
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This is a bit of a crazy creation. I always enjoy experimenting & coming up with new meal ideas. Sometimes the dreaming/planning can be just as fun as the eating.
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I made this unusual taco last year & it ended up tasting REALLY great. It had lots yummy texture & my little one loved it. BUT it took some effort & the leftovers didn’t hold up well, so I haven’t made it since.
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I’ve been debating on turning this taco idea into a breakfast stuffed sweet potato instead. All the same components, just ditching the taco shell & replacing it with a quick-easy microwaved baked sweet potato, & possibly leaving the bananas fresh this time around.
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Do you enjoy playing with your food? What’s something crazy you’ve cooked up?
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#mealideas #mealprep #sahm #mealplans #eatclean #budgetmeals #budgeteats #budgetlife #frugalliving #frugalfood #frugalfoodie #eatingonabudget #wfpb #wholefoods #budgetmom #plantbased #budgetmum #yummy #veggiemeals #eatcheap #eatyourveggies #cheapeats #eathealthy #healthyeating #savingmoney #debtfreecommunity #budgeting #vegetarian #vegan #frugalmeals

I call this— a fancy peanut butter sandwich falls in love with a rugged taco & they have this baby in the fall.
.
It’s a charred sweet potato & maple caramelized banana taco WITH cinnamon-raisin-apple slaw + a peanut butter drizzle.
.
This is a bit of a crazy creation. I always enjoy experimenting & coming up with new meal ideas. Sometimes the dreaming/planning can be just as fun as the eating.
.
I made this unusual taco last year & it ended up tasting REALLY great. It had lots yummy texture & my little one loved it. BUT it took some effort & the leftovers didn’t hold up well, so I haven’t made it since.
.
I’ve been debating on turning this taco idea into a breakfast stuffed sweet potato instead. All the same components, just ditching the taco shell & replacing it with a quick-easy microwaved baked sweet potato, & possibly leaving the bananas fresh this time around.
.
Do you enjoy playing with your food? What’s something crazy you’ve cooked up?
.
.
.
.

#mealideas #mealprep #sahm #mealplans #eatclean #budgetmeals #budgeteats #budgetlife #frugalliving #frugalfood #frugalfoodie #eatingonabudget #wfpb #wholefoods #budgetmom #plantbased #budgetmum #yummy #veggiemeals #eatcheap #eatyourveggies #cheapeats #eathealthy #healthyeating #savingmoney #debtfreecommunity #budgeting #vegetarian #vegan #frugalmeals
130 13 20 hours ago
• DIRKJE • Ook dit schattige truitje van @dirkjebabywear hoort bij de shirtjes! How cute is deze! En besef €0,20! Is toch de grootse grap! Ik hou der van💙 
#baby #babykoopje #tip #koopje #babyboy #babyoutfit #momlife #shopping #follow #buy #like #budgettips #lowbudget #babymodel #influencer #babyinfluencer #babylike #babylove #babyshop #babystyle #babyfashion #ilike #love #babycute #budget #budgetshopping #budgetmom #budgetlife #momlife #followers
5 0 20 hours ago

I've found myself reflecting on our debt free journey quite a lot over the last several weeks. I'm really proud of what we achieved and the steps we took to make it happen for us, but also amazed how none of it really went by the timeline we had originally thought.

I remember when I first opened this account, seeing AMAZING results from other dfc accounts and wondering when we'd ever get that. There were times when I doubted that we would get there at all and other times where I thought it would be another year or two easily, but here we are.

And the biggest thing I learnt from this whole process? We are all different. We all have different reasons and priorities and we should not judge. What's important to me, may not be important to you and that's ok. As long as we still try to learn something from it - I find I always do.

This is a reminder to anyone who's not feeling 100% about their process or their journey - it's all good and it will happen, but in your own time and in a way that is just right for you. Make peace with that and you'll not only find yourself meeting those milestones (however small or big) but also enjoying the journey in the process!

I've found myself reflecting on our debt free journey quite a lot over the last several weeks. I'm really proud of what we achieved and the steps we took to make it happen for us, but also amazed how none of it really went by the timeline we had originally thought.

I remember when I first opened this account, seeing AMAZING results from other dfc accounts and wondering when we'd ever get that. There were times when I doubted that we would get there at all and other times where I thought it would be another year or two easily, but here we are.

And the biggest thing I learnt from this whole process? We are all different. We all have different reasons and priorities and we should not judge. What's important to me, may not be important to you and that's ok. As long as we still try to learn something from it - I find I always do.

This is a reminder to anyone who's not feeling 100% about their process or their journey - it's all good and it will happen, but in your own time and in a way that is just right for you. Make peace with that and you'll not only find yourself meeting those milestones (however small or big) but also enjoying the journey in the process!
150 15 20 hours ago

Introducing my DIY Finance Planner for 2020! So happy to have finally assembled it in this cute pink binder!
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Inclusions:
- Budget Worksheet
- Spending tracker
- Finance Goals
- Yearly Money Tracker
- Bills Tracker
-Savings Tracker
- Debt Repayment Tracker
- Note pad
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Visit pagethrifty.com to purchase this on my shop!
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#cashenvelope #cashenvelopesystem #budgetmom #frugallife #budgeting #savingmoney #financialfreedom #budgetplanning #moneymanagement #financialliteracy #savinggoals #daveramsey #debtfreecommunity #financialdiscipline #savemoney #playingbroke #hustle #sidehustle #planneraddict #personalfinance #budgetlife #frugalliving #planners #planneraddict #frugal #financeplanner #budgetplanner

Introducing my DIY Finance Planner for 2020! So happy to have finally assembled it in this cute pink binder!
-
Inclusions:
- Budget Worksheet
- Spending tracker
- Finance Goals
- Yearly Money Tracker
- Bills Tracker
-Savings Tracker
- Debt Repayment Tracker
- Note pad
.
Visit pagethrifty.com to purchase this on my shop!
-

#cashenvelope #cashenvelopesystem #budgetmom #frugallife #budgeting #savingmoney #financialfreedom #budgetplanning #moneymanagement #financialliteracy #savinggoals  #daveramsey #debtfreecommunity #financialdiscipline #savemoney #playingbroke #hustle #sidehustle #planneraddict #personalfinance #budgetlife #frugalliving #planners #planneraddict #frugal #financeplanner #budgetplanner
11 0 22 hours ago

Introducing my DIY Finance Planner for 2020! So happy to have finally assembled it in this cute pink binder! -
Inclusions:
- Budget Worksheet
- Spending tracker
- Finance Goals
- Yearly Money Tracker
- Bills Tracker
-Savings Tracker
- Debt Repayment Tracker
- Note pad sheet
.
*Binder and dividers not included.
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Visit pagethrifty.com to purchase this on my shop!
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#cashenvelope #cashenvelopesystem #budgetmom #frugallife #budgeting #savingmoney #financialfreedom #budgetplanning #moneymanagement #financialliteracy #savinggoals #daveramsey #debtfreecommunity #financialdiscipline #savemoney #playingbroke #hustle #sidehustle #planneraddict #personalfinance #budgetlife #frugalliving #planners #planneraddict #frugal

Introducing my DIY Finance Planner for 2020! So happy to have finally assembled it in this cute pink binder! -
Inclusions:
- Budget Worksheet
- Spending tracker
- Finance Goals
- Yearly Money Tracker
- Bills Tracker
-Savings Tracker
- Debt Repayment Tracker
- Note pad sheet
.
*Binder and dividers not included.
-
Visit pagethrifty.com to purchase this on my shop!
-

#cashenvelope #cashenvelopesystem #budgetmom #frugallife #budgeting #savingmoney #financialfreedom #budgetplanning #moneymanagement #financialliteracy #savinggoals  #daveramsey #debtfreecommunity #financialdiscipline #savemoney #playingbroke #hustle #sidehustle #planneraddict #personalfinance #budgetlife #frugalliving #planners #planneraddict #frugal
1 0 22 hours ago

• ZARA • Dit leuke shirt ook tweedehand gekocht voor maar €0,20. Tweedehands is niet altijd maar “meuk”. Of wat ook veel mensen denken/vinden; Vies, kapot, oud & lelijk! Als je goed zoekt vind je leuke spulletjes en nette kleding🥰
#baby #babykoopje #tip #koopje #babyboy #babyoutfit #momlife #shopping #follow #buy #like #budgettips #lowbudget #babymodel #influencer #babyinfluencer #babylike #babylove #babyshop #babystyle #babyfashion #ilike #love #babycute #budget #budgetshopping #budgetmom #budgetlife #momlife #followers

• ZARA • Dit leuke shirt ook tweedehand gekocht voor maar €0,20. Tweedehands is niet altijd maar “meuk”. Of wat ook veel mensen denken/vinden; Vies, kapot, oud & lelijk! Als je goed zoekt vind je leuke spulletjes en nette kleding🥰 
#baby #babykoopje #tip #koopje #babyboy #babyoutfit #momlife #shopping #follow #buy #like #budgettips #lowbudget #babymodel #influencer #babyinfluencer #babylike #babylove #babyshop #babystyle #babyfashion #ilike #love #babycute #budget #budgetshopping #budgetmom #budgetlife #momlife #followers
3 0 22 hours ago

There’s nothing that someone has or can do that would make me jealous. I often get inspired and encouraged, not jealous. This is because I understand purpose and seasons. I’ve been given the ability to help people because this is my purpose and everything that is meant for me is mine. No matter what anyone does. ⁣⁣
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Make this your mantra for today. 💖Double tap if you agree. ⁣⁣
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Don’t forget to download my FREEBIE, Step by Step Guide To Achieving Your Financial Goals. 🔗Click the link in my bio and tap the 2nd button under the Freebies section. ⁣









#Workingmoms #frugalmom #essencemagazine #debtfreecommunity #debtfreejourney #buyhomes #savingmoney #budgetmom #biggerpockets #realestateinvestor #realestate #budgetlife #budgeting #financialgoals #budgettips #budgetplanner #debtfree #budgetqueenblog #creditcards #financetips #moneytips #payoffdebt #daveramsey #thinkandgrowrich #savingstips #blackwealth #rentalproperties #credittips #bosschicks #rentalproperty

There’s nothing that someone has or can do that would make me jealous. I often get inspired and encouraged, not jealous. This is because I understand purpose and seasons. I’ve been given the ability to help people because this is my purpose and everything that is meant for me is mine. No matter what anyone does. ⁣⁣
⁣⁣
Make this your mantra for today. 💖Double tap if you agree. ⁣⁣
⁣⁣
Don’t forget to download my FREEBIE, Step by Step Guide To Achieving Your Financial Goals. 🔗Click the link in my bio and tap the 2nd button under the Freebies section. ⁣
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#Workingmoms #frugalmom #essencemagazine #debtfreecommunity #debtfreejourney #buyhomes #savingmoney #budgetmom #biggerpockets #realestateinvestor #realestate #budgetlife #budgeting #financialgoals #budgettips #budgetplanner #debtfree #budgetqueenblog #creditcards #financetips #moneytips #payoffdebt #daveramsey #thinkandgrowrich #savingstips #blackwealth #rentalproperties #credittips #bosschicks #rentalproperty
467 13 23 hours ago

Top #budgetmom posts

Today Mr. Christmas, our kindness elf, was hiding with some goodies for our delivery people. I love to give back during the holiday season, and to teach my girls, that it’s not all about receiving. I love to do this for our delivery people. During the holiday season they are overworked and sometimes don’t even get a chance to stop to eat. Over the years we’ve had so many of them leave us thank you notes, telling us that our act of kindness brought tears to their eyes. It doesn’t take a lot of money to spread a little kindness. How are you spreading a little kindness this Christmas? #debtfreecommunity #debtfreejourney #frugalliving #frugalmom #budgetlife #budgetmom #financialfreedom #debtisdumb #daveramseybabysteps

Today Mr. Christmas, our kindness elf, was hiding with some goodies for our delivery people. I love to give back during the holiday season, and to teach my girls, that it’s not all about receiving. I love to do this for our delivery people. During the holiday season they are overworked and sometimes don’t even get a chance to stop to eat. Over the years we’ve had so many of them leave us thank you notes, telling us that our act of kindness brought tears to their eyes. It doesn’t take a lot of money to spread a little kindness. How are you spreading a little kindness this Christmas? #debtfreecommunity #debtfreejourney #frugalliving #frugalmom #budgetlife #budgetmom #financialfreedom #debtisdumb #daveramseybabysteps
1,321 69 3 December, 2019

I am expecting baby number 3 in April. I saved my baby items from baby 1 and 2 . I bought most of my big ticket items neutral with my first two boy/girl. A family member made a comment that too bad the third is getting all the hand me downs as a joke (not ill willed). We don’t always need newer and better, especially when the items are just as good for the third 💛 I see it like this: I have memories of myself holding my children in the same rocking chair, or have photos of all of them wearing the same sweet outfit or taking them home in the same car seat (which is still within its safety date to use) It’s really all perspective. 💛 #debtfreejourney #budget #budgetmom #daveramseybabysteps #daveramsey #financialjourney #budgeting

I am expecting baby number 3 in April. I saved my baby items from baby 1 and 2 . I bought most of my big ticket items neutral with my first two boy/girl. A family member made a comment that too bad the third is getting all the hand me downs as a joke (not ill willed). We don’t always need newer and better, especially when the items are just as good for the third 💛 I see it like this: I have memories of myself holding my children in the same rocking chair, or have photos of all of them wearing the same sweet outfit or taking them home in the same car seat (which is still within its safety date to use) It’s really all perspective. 💛#debtfreejourney #budget#budgetmom#daveramseybabysteps #daveramsey #financialjourney#budgeting
510 47 18 hours ago

Cyber Monday was my JAM. I loved getting my online shopping done and beating the crowds. My mentality this last decade was “needing” the newest thing. Oh there is a new Fitbit I need to grab it , or the newest iPad. Yikes! That has gotten me into a lot of trouble. I never needed those things. Tackling debt and managing money takes a shift in your mindset. I sat home grateful for what I have right now. My health and my family. I truly need nothing else. This mentality will help me put $1500 into savings and $3500 into extra debt. #debtfreejourney #budgetmom #budget #budgeting

Cyber Monday was my JAM. I loved getting my online shopping done and beating the crowds. My mentality this last decade was “needing” the newest thing. Oh there is a new Fitbit I need to grab it , or the newest iPad. Yikes! That has gotten me into a lot of trouble. I never needed those things. Tackling debt and managing money takes a shift in your mindset. I sat home grateful for what I have right now. My health and my family. I truly need nothing else.  This mentality will help me put $1500 into savings and $3500 into extra debt. #debtfreejourney#budgetmom#budget#budgeting
1,013 69 3 December, 2019

Here are the goals I have for my rental properties. I am a firm believer in writing down your goals, drawing pictures of them, talking about them, and manifesting them. ⁣⁣This is a perfect time to start writing down those goals.

Here are the goals I have for my rental properties. I am a firm believer in writing down your goals, drawing pictures of them, talking about them, and manifesting them. ⁣⁣This is a perfect time to start writing down those goals.
1,969 32 1 December, 2019

It’s “No-Spend” November! 🍂 Keeping up with @thebudgetmom monthly challenges, spent $0 yesterday and 🤞 for $0 tomorrow.

It’s “No-Spend” November! 🍂 Keeping up with @thebudgetmom monthly challenges, spent $0 yesterday and 🤞 for $0 tomorrow.
550 33 12 hours ago

⭐️ Saved $225 from my 08/08 envelopes! ⭐️
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I decided not to rollover any leftover money because I know I’ll be tempted to use it. I’m.. gonna hide it from myself until next paycheck 💸

⭐️ Saved $225 from my 08/08 envelopes! ⭐️
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I decided not to rollover any leftover money because I know I’ll be tempted to use it.  I’m.. gonna hide it from myself until next paycheck 💸
537 16 28 August, 2019

Happy December! 2020 is literally a blink away. I’m extremely excited and ready for it. Are you? ⁣

Im praying that the rest of the year, for you, is nothing short of amazing. I’m also praying that your 2020 is filled with budgets, blessings, and a billion dollars. ⁣

Speaking of budgets, I have to remind you of my PINK FRIDAY sale. It will be over soon, so don’t miss out, be sure to get the Budget Bundle for $27. 🔗Click the link in my bio and tap the bundle picture or tap the first link to get the bundle.

Happy December! 2020 is literally a blink away. I’m extremely excited and ready for it. Are you? ⁣
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Im praying that the rest of the year, for you, is nothing short of amazing. I’m also praying that your 2020 is filled with budgets, blessings, and a billion dollars. ⁣
⁣
Speaking of budgets, I have to remind you of my PINK FRIDAY sale. It will be over soon, so don’t miss out, be sure to get the Budget Bundle for $27. 🔗Click the link in my bio and tap the bundle picture or tap the first link to get the bundle.
1,885 16 1 December, 2019