#budgetmum Instagram Photos & Videos

budgetmum - 30.5k posts

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~Set Your Challenge~
30,60 or 90 day challenge!
It's up to you.
Write down every day or week how much money you put into your emergency account.
It's never to late to start a new goal and set yourself a bit of a challenge!
Let's go, make it happen 💪💰 Tomorrow I'll post this on my site for you to download.
#financialfreedom #financiallyfither #moneymotivation #moneymanagement #moneymindset #debtfreecommunity #personalfinance #debtfree #budgetmum #mumblogger #savingmoney #empoweringwomen #empoweredwomen #financialindependence

~Set Your Challenge~
30,60 or 90 day challenge!
It's up to you. 
Write down every day or week  how much money you put into your emergency account. 
It's never to late to start a new goal and set yourself a bit of a challenge! 
Let's go, make it happen 💪💰 Tomorrow I'll post this on my site for you to download. 
#financialfreedom #financiallyfither #moneymotivation #moneymanagement #moneymindset #debtfreecommunity #personalfinance #debtfree #budgetmum #mumblogger #savingmoney #empoweringwomen #empoweredwomen #financialindependence
3 0 39 minutes ago

He needed a fringe-cut. I cut his fringe and he suddenly moved, so now he looks like Julius Caesar... but I’m cool with that 😂😎 #mumfail
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#myson #3yearsold #mommydiaries #ukmumtogs #momtogcommunity #momtogs #momtographer #mumonabudget #budgetmum #mumming #mummyclub #snaphappybritmums #blondehairedboy #ukchildmodels #blondehair #blueeyedboy #letthembelittle #toddlerlife #preschooler #mummybloggersuk #mummybloggers #mommyblogger #wonkyfringe #wonkyfringeclub

He needed a fringe-cut. I cut his fringe and he suddenly moved, so now he looks like Julius Caesar... but I’m cool with that 😂😎#mumfail
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#myson #3yearsold #mommydiaries #ukmumtogs #momtogcommunity #momtogs #momtographer #mumonabudget #budgetmum #mumming #mummyclub #snaphappybritmums #blondehairedboy #ukchildmodels #blondehair #blueeyedboy #letthembelittle #toddlerlife #preschooler #mummybloggersuk #mummybloggers #mommyblogger #wonkyfringe #wonkyfringeclub
5 1 2 hours ago

Omfg hahahahaha YES!! 😂😂😂🤣🤣

Omfg hahahahaha YES!! 😂😂😂🤣🤣
107 5 2 hours ago

My last electricity bill was a bit of a shock, so I'm really happy to see my new bills usage. And even better that we are using less than the same time last year.

After receiving the last bill I took a good look at our usage, and got rid of a few items that were plugged in, but never used, goodbye outdoor beer fridge.

We did receive $18 back on our solar panels, but might look at getting these cleaned soon.

My last electricity bill was a bit of a shock, so I'm really happy to see my new bills usage. And even better that we are using less than the same time last year.

After receiving the last bill I took a good look at our usage, and got rid of a few items that were plugged in, but never used, goodbye outdoor beer fridge.

We did receive $18 back on our solar panels, but might look at getting these cleaned soon.
4 2 2 hours ago

Basic bread rolls 🍞 this is the recipe we used for this Christmas 🎄 pull apart bread today! Should I make this again and show you the process? Perfect for Christmas entertaining!

Basic bread rolls 🍞 this is the recipe we used for this Christmas 🎄 pull apart bread today! Should I make this again and show you the process? Perfect for Christmas entertaining!
32 1 3 hours ago

The 3 biggest blockers to your progress & success are... Whether that be in relation to your money mindset, moving to your dream town or losing that baby weight, it all comes down to these 3 simple things:
BLAMING, EXCUSES, DENIAL.
Do you agree? 🤔

We all have that idea of how we want our life to look, how we want to feel, things we want to achieve etc, BUT we all have that little voice in our head that can default to those 3 factors unless we make choices every day to move forward & do something about it. 👌

Just like getting to where you want to be financially, it all takes small 1% changes to your every day life for long term progress & success, (whatever this may look like for you). Do you struggle with this too? What's your biggest challenge right now?

The 3 biggest blockers to your progress & success are... Whether that be in relation to your money mindset, moving to your dream town or losing that baby weight, it all comes down to these 3 simple things: 
BLAMING, EXCUSES, DENIAL. 
Do you agree? 🤔

We all have that idea of how we want our life to look, how we want to feel, things we want to achieve etc, BUT we all have that little voice in our head that can default to those 3 factors unless we make choices every day to move forward & do something about it. 👌

Just like getting to where you want to be financially, it all takes small 1% changes to your every day life for long term progress & success, (whatever this may look like for you). Do you struggle with this too? What's your biggest challenge right now?
8 2 4 hours ago
Hahahhaa yes 🙌🙌 #mumlife #budgetmum #dfc #debtfreecommunity #workingmum #toddlermum
32 4 4 hours ago

Garlic bread pasta bake
While a packet of pasta cooked on the stove top, I cut the garlic bread into pieces and placed them into the baking tray in a preheated oven. Once the pasta was cooked I mixed in the hidden veg Bolognese and poured it over the top of the garlic bread in the baking tray. Topped the pasta with some garlic and herb dip I made on Sunday and needed to use up (garlic, herbs, spring onions and cream cheese) and then sprinkled some grated tasty cheese on top. Cooked the baking tray of food until the cheese was golden.
3 adult serves, 2 preschooler serves (and I took graysons serve out before adding it to the baking tray because he was hangry) and a lot leftover for lunches.
#usingleftovers #nofoodwaste #pastabake #feedingthefamily #familyof6
#budgetmum #budgetfriendly #budgetfamily #budgetmeals #frugalmeals #livingononeincome #ozdebtfreecommunity #mealplanning #stretchingtomakeendsmeet #mummyblogger #sydneymummy

Garlic bread pasta bake
While a packet of pasta cooked on the stove top, I cut the garlic bread into pieces and placed them into the baking tray in a preheated oven. Once the pasta was cooked I mixed in the hidden veg Bolognese and poured it over the top of the garlic bread in the baking tray. Topped the pasta with some garlic and herb dip I made on Sunday and needed to use up (garlic, herbs, spring onions and cream cheese) and then sprinkled some grated tasty cheese on top. Cooked the baking tray of food until the cheese was golden. 
3 adult serves, 2 preschooler serves (and I took graysons serve out before adding it to the baking tray because he was hangry) and a lot leftover for lunches. 
#usingleftovers #nofoodwaste #pastabake #feedingthefamily #familyof6 
#budgetmum #budgetfriendly #budgetfamily #budgetmeals #frugalmeals #livingononeincome #ozdebtfreecommunity #mealplanning #stretchingtomakeendsmeet #mummyblogger #sydneymummy
156 2 4 hours ago

⚖️ BALANCE IS EVERYTHING

One thing that can be forgotten when you are trying to better your financial position is that you also need to live your life.

Financial security should be practised alongside a life that you enjoy.

⚖️ BALANCE IS EVERYTHING

One thing that can be forgotten when you are trying to better your financial position is that you also need to live your life.

Financial security should be practised alongside a life that you enjoy.
795 56 5 hours ago

Christmas baking🤶These little cuties are going to our playgroup for a special morning tea. I wasn’t exactly sure how the Santa hats would work, but I ended up cutting normal sized marshmallows into quarters... saving me a good four dollars not buying to buy those silly tiny ones and I already had the white ones here 🙋‍♀️😉❤️ #thisorganisedhome

Christmas baking🤶These little cuties are going to our playgroup for a special morning tea. I wasn’t exactly sure how the Santa hats would work, but I ended up cutting normal sized marshmallows into quarters... saving me a good four dollars not buying to buy those silly tiny ones and I already had the white ones here 🙋‍♀️😉❤️ #thisorganisedhome
137 10 5 hours ago

Tuesday thrifts.
Today while I was visiting our new suburb I checked out a couple of op shops. These 3 tshirts cost $5 and my son will use them with the warmer weather in Melbourne lately. Also the green one is tiny giraffes which is soooo awesome!
I also got a pair of jeans for me for $1.50
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#thrifting #thrift #tuesday #opshop #tshirt #giraffe #budget #budgetmum #budgeting #jeans #kids #clothing

Tuesday thrifts.
Today while I was visiting our new suburb I checked out a couple of op shops. These 3 tshirts cost $5 and my son will use them with the warmer weather in Melbourne lately. Also the green one is tiny giraffes which is soooo awesome! 
I also got a pair of jeans for me for $1.50
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#thrifting #thrift #tuesday #opshop #tshirt #giraffe #budget #budgetmum #budgeting #jeans #kids #clothing
18 0 5 hours ago

Do you use a diffuser- if so don’t forget to clean it as the oils leave behind residue when the water evaporates which can hinder the performance of the diffuser and may even damage it if left too long. I try to clean mine at the start of every month (just for the sake of remembering - at some point I always realize it’s a new month so I job I must get around to!) and it’s a really easy process - I fill with water as normal, add a teaspoon of white vinegar and run for 5minutes then empty and gently clean inside with a couple of cotton tips, and voila! I do all 4 of mine at the same time so just 10mins to check that job off the list for the month! ✅🙌🏻 #essentialoils #doterra #cleaningtips #organised #cleaningroutines #doterradiffuser #cleaning #simple #tiptueaday #largefamilylogistics #largefamily #fivekids #diffusers #budgeting #budgetmum #frugal #frugalaussiemum #singlemum #sahm

Do you use a diffuser- if so don’t forget to clean it as the oils leave behind residue when the water evaporates which can hinder the performance of the diffuser and may even damage it if left too long. I try to clean mine at the start of every month (just for the sake of remembering - at some point I always realize it’s a new month so I job I must get around to!) and it’s a really easy process - I fill with water as normal, add a teaspoon of white vinegar and run for 5minutes then empty and gently clean inside with a couple of cotton tips, and voila! I do all 4 of mine at the same time so just 10mins to check that job off the list for the month! ✅🙌🏻 #essentialoils #doterra #cleaningtips #organised #cleaningroutines #doterradiffuser #cleaning #simple #tiptueaday #largefamilylogistics #largefamily #fivekids #diffusers #budgeting #budgetmum #frugal #frugalaussiemum #singlemum #sahm
42 3 6 hours ago

It’s ok to feel overwhelmed by this city. 1⃣️it’s SO expensive🥵2⃣️ Not everyone earns 6 figures here to cover the high rent 😢 #budgetlife #budgetplanner #budgetingtips #budgetfriendly #budgetplanning #budgetmum #financialfreedom #financialliteracy #financialindependence

It’s ok to feel overwhelmed by this city. 1⃣️it’s SO expensive🥵2⃣️ Not everyone earns 6 figures here to cover the high rent 😢 #budgetlife #budgetplanner #budgetingtips #budgetfriendly #budgetplanning #budgetmum #financialfreedom #financialliteracy #financialindependence
3 0 7 hours ago

5 minute dinners that taste this good make me happy. Hoisin chicken with hokkien noodles. The meal plan is a bit all over the place this week with a cancelled lunch on Sunday meaning lots of excess things to use up. But I’m okay with that, so long as there is no waste. This meal was so easy. And cheap. Chicken thigh cubed sautéed with shaoxing cooking wine, soy sauce and hoisin sauce. I threw in some steamed broccoli, hokkien noodles and spring onion at the end. Dinner done. Everyone happy. Everyone except my son who decided he didn’t like Hokkien noodles tonight 🤷🏻‍♀️🤦🏻‍♀️

5 minute dinners that taste this good make me happy. Hoisin chicken with hokkien noodles. The meal plan is a bit all over the place this week with a cancelled lunch on Sunday meaning lots of excess things to use up. But I’m okay with that, so long as there is no waste. This meal was so easy. And cheap. Chicken thigh cubed sautéed with shaoxing cooking wine, soy sauce and hoisin sauce. I threw in some steamed broccoli, hokkien noodles and spring onion at the end. Dinner done. Everyone happy. Everyone except my son who decided he didn’t like Hokkien noodles tonight 🤷🏻‍♀️🤦🏻‍♀️
135 10 7 hours ago

PAY DAY! I’ve started using a cash/card method. I take out the cash I have allocated for the fortnight in my sinking funds & fuel. I use an small envelope folder from Kmart and keep my cash in sections. I’ve organised for bpay for my bills and debts and transfer what I decide to save to my savings account - so far it is working 🤞🏼😊
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#debtfreecommunity #debtsnowball #debtfree #finance #budget #budgetmum #moneysmart #barefootinvestor #money #future #retirement #debt #ozdebtfreecommunity #debtfreecommunityaustralia #debtpayoff #frugalliving #frugal #budgetingrebel #debtfreejourney

PAY DAY! I’ve started using a cash/card method. I take out the cash I have allocated for the fortnight in my sinking funds & fuel. I use an small envelope folder from Kmart and keep my cash in sections. I’ve organised for bpay for my bills and debts and transfer what I decide to save to my savings account - so far it is working 🤞🏼😊
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#debtfreecommunity #debtsnowball #debtfree #finance #budget #budgetmum #moneysmart #barefootinvestor #money #future #retirement #debt #ozdebtfreecommunity #debtfreecommunityaustralia #debtpayoff #frugalliving #frugal #budgetingrebel #debtfreejourney
12 0 8 hours ago

The Gifts & Special Occasions Sinking Fund is starting to look a little lean, but I *think* (hope! 🤞) I have only 2 presents left to organize (which I'm hoping to do tomorrow 🤞🤞🤞). Can honestly say that having a set budget & money in the bank makes Christmas so much easier!

How's your Christmas shopping going? Are you on budget?

#lifeonabudget #debtfreejourney #debtfreecommunity #debtfreecommunityAustralia #ozdebtfreecommunity #journeytofi #frugalliving #budgetliving #frugallife #budgetlife #frugalmum #budgetmum

The Gifts & Special Occasions Sinking Fund is starting to look a little lean, but I *think* (hope! 🤞) I  have only 2 presents left to organize (which I'm hoping to do tomorrow 🤞🤞🤞). Can honestly say that having a set budget & money in the bank makes Christmas so much easier!

How's your Christmas shopping going?  Are you on budget?

#lifeonabudget #debtfreejourney #debtfreecommunity #debtfreecommunityAustralia #ozdebtfreecommunity #journeytofi #frugalliving #budgetliving #frugallife #budgetlife #frugalmum #budgetmum
53 7 9 hours ago

[FREE MONEY] The Beem It referral program is back!! This app makes sharing money with others so easy. Download the Beem it app or signup online. If you sign up using my referral code EKE6X9 we BOTH get $5 link in bio ➡️🖥 and then you’ll get your own referral code to make extra $$💰😎 #whynot
_______________________lll__=^..^=__lll__________________________
#ourbudgetingjourney #free #freemoney #freebie #debt #spend #money #app #moneymatters #frugal #debtfreecommunity #debtfree #howtoadult #beemit #budgetlife #debtfreelife #debtfreejourney #budget #freedom #barefootinvestor #financialfreedom #ozbargain #ozdebtfreecommunity #budgetmum #frugalmum #debtfreecommunityaustralia #sharingiscaring #australia #aussie

[FREE MONEY] The Beem It referral program is back!! This app makes sharing money with others so easy. Download the Beem it app or signup online. If you sign up using my referral code EKE6X9 we BOTH get $5 link in bio ➡️🖥 and then you’ll get your own referral code to make extra $$💰😎 #whynot 
_______________________lll__=^..^=__lll__________________________
#ourbudgetingjourney #free #freemoney #freebie #debt #spend #money #app #moneymatters #frugal #debtfreecommunity #debtfree #howtoadult #beemit #budgetlife #debtfreelife #debtfreejourney #budget #freedom #barefootinvestor #financialfreedom #ozbargain #ozdebtfreecommunity #budgetmum #frugalmum #debtfreecommunityaustralia #sharingiscaring #australia #aussie
10 1 11 hours ago

PAY DAY! I get paid fortnightly & I don’t think I’ve ever been more excited to get paid so I can budget for the fortnight. 👩🏼‍💻💃🏼 .
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#debtfreecommunity #debtsnowball #debtfree #finance #budget #budgetmum #moneysmart #barefootinvestor #money #future #retirement #debt #ozdebtfreecommunity #debtfreecommunityaustralia #debtpayoff #frugalliving #frugal #budgetingrebel #debtfreejourney

PAY DAY! I get paid fortnightly & I don’t think I’ve ever been more excited to get paid so I can budget for the fortnight. 👩🏼‍💻💃🏼 .
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#debtfreecommunity #debtsnowball #debtfree #finance #budget #budgetmum #moneysmart #barefootinvestor #money #future #retirement #debt #ozdebtfreecommunity #debtfreecommunityaustralia #debtpayoff #frugalliving #frugal #budgetingrebel #debtfreejourney
21 2 12 hours ago

Final update in the #isitpaydayyet series. All outgoing money has been used and we are left with $47 waiting till payday. It usually hits the night before at 7.30pm so I have only one more sleep till a fresh start on the budget and $47 going into my Emergency Fund.

It’s not pretty, but im enjoying looking at it & reassessing it daily.
I’m glad we have “almost” got through to pay day with Xmas shopping mostly done and a big party for my girl thrown in for the month.
#ozsavingscommunity #ozdebtfreecommunity #startingmyemergencyfund #emergencyfund #isitpaydayyet #payday #budgetmum #savingsgoals #crazytimeofyear

Final update in the #isitpaydayyet series. All outgoing money has been used and we are left with $47 waiting till payday. It usually hits the night before at 7.30pm so I have only one more sleep till a fresh start on the budget and $47 going into my Emergency Fund.

It’s not pretty, but im enjoying looking at it & reassessing it daily. 
I’m glad we have “almost” got through to pay day with Xmas shopping mostly done and a big party for my girl thrown in for the month. 
#ozsavingscommunity #ozdebtfreecommunity #startingmyemergencyfund #emergencyfund #isitpaydayyet #payday #budgetmum #savingsgoals #crazytimeofyear
9 0 13 hours ago

I don't buy packaged breakfast cereals and I reckon I save a fortune! The only exception is school holidays - as a treat I'll buy the kids a  box of their choice - otherwise it's my homemade muesli or toast.
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Pictured here is from a week's worth made up of:
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▶️ OATS - 1 packet $1.35 (Aldi)
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▶️ SULTANAS - ⅓ packet $1.33 (Aldi)
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▶️ ALMONDS (bought in bulk, so it's hard to give an exact price. You could see what's available or consider buying in bulk as I do - see my previous post on BULK BUYS).
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Some other things to add when I have them on hand are shredded coconut, pepitas or other dried fruit & nuts. I also add yoghurt and fresh fruit if I have it. There are some weeks when I might only have oats and sultanas and seriously that still tastes great!
.

If you make your own muesli on a budget, I'd love to hear what you put in yours too 😋
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#ozdebtfreecommunity #debtfreecommunity #aldi #budgetgroceries #muesli #budgetbreakfast #budgetmum #barefootinvestor #savingmoney #spendless #frugalaussiemum #daveramesey #debtkickingdownunder #debtfreejourney #budget #gazelleintense

I don't buy packaged breakfast cereals and I reckon I save a fortune! The only exception is school holidays - as a treat I'll buy the kids a  box of their choice - otherwise it's my homemade muesli or toast.
.
Pictured here is from a week's worth made up of:
.
▶️ OATS - 1 packet $1.35 (Aldi)
.
▶️ SULTANAS - ⅓ packet $1.33 (Aldi)
.
▶️ ALMONDS (bought in bulk, so it's hard to give an exact price. You could see what's available or consider buying in bulk as I do - see my previous post on BULK BUYS).
.
Some other things to add when I have them on hand are shredded coconut, pepitas or other dried fruit & nuts. I also add yoghurt and fresh fruit if I have it. There are some weeks when I might only have oats and sultanas and seriously that still tastes great!
.

If you make your own muesli on a budget, I'd love to hear what you put in yours too 😋
.
.
#ozdebtfreecommunity #debtfreecommunity #aldi #budgetgroceries #muesli #budgetbreakfast #budgetmum #barefootinvestor #savingmoney #spendless #frugalaussiemum #daveramesey #debtkickingdownunder #debtfreejourney #budget #gazelleintense
17 1 14 hours ago

~Emergency Account~
Thank you who answered!
Congratulations if you have money set aside for any unexpected bills that pop up!

A tip if you don't, Make it happen!

The other day I sold my son's old toddler bikes $20 I made in a day!
So think about what your spending your money on that day, do you have to stop buying lunch or coffee? Can you sell old things around the house you don't need?
Get creative! Change your thoughts for the positive and see your life change for the better! $1000 challenge let's do this! 💰

#empoweringwomen #independantwoman #financiallyfither #financialfreedom #savingmoney #budgetmum #personalfinance #debtfreecommunity #debtfree #moneymotivation #mumlife #mumblogger #singlemum #mindset #empoweredwomen #strongwomen

~Emergency Account~
Thank you who answered!
Congratulations if you have money set aside for any unexpected bills that pop up!

A tip if you don't, Make it happen!

The other day I sold my son's old toddler bikes $20 I made in a day! 
So think about what your spending your money on that day, do you have to stop buying lunch or coffee? Can you sell old things around the house you don't need? 
Get creative! Change your thoughts for the positive and see your life change for the better! $1000 challenge let's do this! 💰

#empoweringwomen #independantwoman #financiallyfither #financialfreedom #savingmoney #budgetmum #personalfinance #debtfreecommunity #debtfree #moneymotivation #mumlife #mumblogger #singlemum #mindset #empoweredwomen #strongwomen
25 0 15 hours ago

When you forget you have an electrician coming early this morning to assess a faulty power point and your Elf on a Shelf hung everyone’s undies on the fan last night.....😳😂 #parentingfail #theyareclean #elfonashelf #elfonashelfideas2019 #christmas #christmasfun #notembarrassingatall #countdowntochristmas2019 #budgetmum #budgetaussiemum #frugalaussiemum #debtfreejourney #aussiedebtfreejourney #ozdebtfreecommunity #ozdebtfreejourney

When you forget you have an electrician coming early this morning to assess a faulty  power point and your Elf on a Shelf hung everyone’s undies on the fan last night.....😳😂 #parentingfail #theyareclean #elfonashelf #elfonashelfideas2019 #christmas #christmasfun #notembarrassingatall #countdowntochristmas2019 #budgetmum #budgetaussiemum #frugalaussiemum #debtfreejourney #aussiedebtfreejourney #ozdebtfreecommunity #ozdebtfreejourney
271 27 15 hours ago

Oh the sweet joy of Christmas!! 😍😍 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
But remember NOT to go over your budget!! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
It can be tough but you got this! Try and make things work! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I like getting gifts that come with more then one item! So I can open it and divide it for more then one person! It works so well for me! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Get creative! You don’t have to go broke to show your loved ones that you love them! 💕💕 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#DebtFreeJourney #DaveRamseyBabySteps #GoalGetter #Hustle #ExtraMoney #WorkHard #Save #Savingmoney101 #DebtFreeLife #PlannerLover #LifePlans #PayingOffDebt #Savings #SavvySavingss #cashenvelopestuffing #budgetingtips #budgetmum #budgetfriendly #budgettip #healthyonabudget #budgetshopping

Oh the sweet joy of Christmas!! 😍😍 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
But remember NOT to go over your budget!! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
It can be tough but you got this! Try and make things work! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I like getting gifts that come with more then one item! So I can open it and divide it for more then one person! It works so well for me! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Get creative! You don’t have to go broke to show your loved ones that you love them! 💕💕 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#DebtFreeJourney #DaveRamseyBabySteps #GoalGetter #Hustle #ExtraMoney #WorkHard #Save #Savingmoney101 #DebtFreeLife #PlannerLover #LifePlans #PayingOffDebt  #Savings #SavvySavingss #cashenvelopestuffing #budgetingtips #budgetmum #budgetfriendly #budgettip #healthyonabudget #budgetshopping
144 3 16 hours ago

Budgets aside.. what is your favourite thing about Christmas?⁣

I love laxing out on Christmas Day surrounded by family & friends and I love our little Christmas traditions:⁣

🎄 My SIL and I taking our kiddos to choose 1 tree ornament each from the Christmas shop.⁣
✨ Going to look at a street that goes all out with Christmas lights.⁣
🍿 Watching Christmas movies with the tree lit up.⁣
🍪 Baking/cooking to Christmas music.⁣
💖 Our boys giving back to those less fortunate under the wishing tree.

Budgets aside.. what is your favourite thing about Christmas?⁣
⁣
I love laxing out on Christmas Day surrounded by family & friends and I love our little Christmas traditions:⁣
⁣
🎄 My SIL and I taking our kiddos to choose 1 tree ornament each from the Christmas shop.⁣
✨ Going to look at a street that goes all out with Christmas lights.⁣
🍿 Watching Christmas movies with the tree lit up.⁣
🍪 Baking/cooking to Christmas music.⁣
💖 Our boys giving back to those less fortunate under the wishing tree.
20 3 16 hours ago

It’s not just the students who count down to the holidays! Today I’ve got CPR training lined up then a whole bunch of marking and reporting to finish as well.

It’s not just the students who count down to the holidays! Today I’ve got CPR training lined up then a whole bunch of marking and reporting to finish as well.
12 1 16 hours ago

Stir fried green beans & mushrooms.
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Below are the ingredients I used, but this recipe is easy to make your own using what you have.
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◽️16oz green beans (I used the slender Haricot Vert variety which I find cook up quicker due to their smaller size)
◽️5oz sliced shiitake mushrooms (you could easily substitute sliced button mushrooms or just leave them out all together)
◽️1/2 Tbsp oil
◽️1/4 cup water
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Cook the above on medium heat in a covered non-stick pan for about 5-10 mins (until liquid has mostly evaporated & green beans are slightly tender but still have some firmness).
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If your pan doesn’t have a top, just add water as needed, a few tablespoons at a time (as it’ll cook off/evaporate more quickly) until you reach desired green bean tenderness.
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While all that’s cooking, mix up your sauce ingredients:
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◽️1 Tbsp soy sauce
◽️1 Tbsp stir fry sauce (you could use extra soy sauce here if you prefer)
◽️1 Tbsp sweet chili sauce (feel free to substitute in brown sugar/ketchup/real maple syrup but start with 1/2 Tbsp & add more to taste)
◽️Garlic- I used a good squeeze of the frozen tube paste, but you could chop 1-2 fresh cloves, or just add a few shakes of garlic powder instead.
◽️a drizzle (approx 1/2 tsp) toasted sesame oil. You could leave this out if you don’t have it or even try adding a tiny about of natural (no sugar added) peanut butter— like 1/4 tsp (?) just enough to give the sauce a little nuttiness.
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Keep heat on medium & toss in the sauce. Stir to incorporate & cook for an additional minute or two to help the sauce thicken & coat all the veggies well.
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I topped mine with toasted black sesame seeds & bits of fried garlic for the gram 💁🏻‍♀️ but seriously, just use what you got & taste as you go. Don’t be afraid to make it your own. 🥰👌🏼
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#mealideas #mealprep #sahm #mealplans #eatclean #budgetmeals #budgeteats #budgetlife #frugalliving #frugalfood #frugalfoodie #eatingonabudget #mushrooms #veggielove #budgetmom #plantbased #budgetmum #greenbeans #veggiemeals #eatcheap #eatyourveggies #cheapeats #eathealthy #healthyeating #savingmoney #debtfreecommunity #budgeting #vegetarian #vegan #frugalmeals

Stir fried green beans & mushrooms.
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Below are the ingredients I used, but this recipe is easy to make your own using what you have.
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◽️16oz green beans (I used the slender Haricot Vert variety which I find cook up quicker due to their smaller size)
◽️5oz sliced shiitake mushrooms (you could easily substitute sliced button mushrooms or just leave them out all together)
◽️1/2 Tbsp oil
◽️1/4 cup water
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Cook the above on medium heat in a covered non-stick pan for about 5-10 mins (until liquid has mostly evaporated & green beans are slightly tender but still have some firmness).
.
If your pan doesn’t have a top, just add water as needed, a few tablespoons at a time (as it’ll cook off/evaporate more quickly) until you reach desired green bean tenderness.
.
While all that’s cooking, mix up your sauce ingredients:
.
◽️1 Tbsp soy sauce
◽️1 Tbsp stir fry sauce (you could use extra soy sauce here if you prefer)
◽️1 Tbsp sweet chili sauce (feel free to substitute in brown sugar/ketchup/real maple syrup but start with 1/2 Tbsp & add more to taste)
◽️Garlic- I used a good squeeze of the frozen tube paste, but you could chop 1-2 fresh cloves, or just add a few shakes of garlic powder instead.
◽️a drizzle (approx 1/2 tsp) toasted sesame oil. You could leave this out if you don’t have it or even try adding a tiny about of natural (no sugar added) peanut butter— like 1/4 tsp (?) just enough to give the sauce a little nuttiness.
.
Keep heat on medium & toss in the sauce. Stir to incorporate & cook for an additional minute or two to help the sauce thicken & coat all the veggies well.
.
I topped mine with toasted black sesame seeds & bits of fried garlic for the gram 💁🏻‍♀️ but seriously, just use what you got & taste as you go. Don’t be afraid to make it your own. 🥰👌🏼
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#mealideas #mealprep #sahm #mealplans #eatclean #budgetmeals #budgeteats #budgetlife #frugalliving #frugalfood #frugalfoodie #eatingonabudget #mushrooms #veggielove #budgetmom #plantbased #budgetmum #greenbeans #veggiemeals #eatcheap #eatyourveggies #cheapeats #eathealthy #healthyeating #savingmoney #debtfreecommunity #budgeting #vegetarian #vegan #frugalmeals
80 9 20 hours ago

After yesterday, I bought almost everyones gift on my Christmas list! I made a small budget this year, but it’s the thought that counts😇 As of today, I have $70 left! I’m thinking if I should buy gift cards/small gifts for other random people I’m thankful for like my eyebrow lady, my professor, or my pilates instructor. OR if I should do a giveaway, OR put to toward my debt •





#budgetplanner #budgeting #budget #budgetingtips #budgetplanning #budgetnista #budgetmum #budgetlife #budgettip #cashenvelopes #cashenvelopesystem #cashenvelopewallet #cashenvelope #cashenvelopestuffing #cashenvelopewallets #daveramseybabysteps #daveramsey #daveramseyplan #daveramseybudget #daveramseycommunity #organizer

After yesterday, I bought almost everyones gift on my Christmas list! I made a small budget this year, but it’s the thought that counts😇 As of today, I have $70 left! I’m thinking if I should buy gift cards/small gifts for other random people I’m thankful for like my eyebrow lady, my professor, or my pilates instructor. OR if I should do a giveaway, OR put to toward my debt •
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#budgetplanner #budgeting #budget  #budgetingtips #budgetplanning #budgetnista #budgetmum #budgetlife #budgettip #cashenvelopes #cashenvelopesystem #cashenvelopewallet #cashenvelope #cashenvelopestuffing #cashenvelopewallets #daveramseybabysteps #daveramsey #daveramseyplan #daveramseybudget #daveramseycommunity #organizer
104 7 21 hours ago

Today’s @aldiuk Special Buy. Can’t wait to try this little beauty later! Feel like my skin is looking tired at the mo, plus my eyes feel really puffy, combination of the cold weather and not enough sleep or water!! Hoping this might help to perk me up a bit!
#bargainmum #budgetmum #mumsonabudget #aldi #lacura #specialbuys #aldifinds #skincare #facialroller #lookingtired #luxuryforless #perkmeup #mumlife #mumofthree #kentmum

Today’s @aldiuk Special Buy. Can’t wait to try this little beauty later! Feel like my skin is looking tired at the mo, plus my eyes feel really puffy, combination of the cold weather and not enough sleep or water!! Hoping this might help to perk me up a bit! 
#bargainmum #budgetmum #mumsonabudget #aldi #lacura #specialbuys #aldifinds #skincare #facialroller #lookingtired #luxuryforless #perkmeup #mumlife #mumofthree #kentmum
14 0 23 hours ago

Ain't this just the damn truth? ☝️ Sometimes I feel like I am the only person who takes self reflection to an unhealthy level, but I do find it in many ways helps me. Repeated thoughts are a part of my OCD condition, but I have found purpose behind them more recently.

Since falling into the debt cycle a few years back and then re-shifting our focus to becoming debt free, our lives have been constant. We've had a lot thrown our way in terms of family, kids, personal health issues and changes at work. And whilst we've gone through it all, I never gave myself a break. I was aggressively focused on paying down our debt before and now I'm aggressively focused on saving.

These aren't bad things per se; debt is shit and saving is not shit BUT it's the level of energy I give it in comparison to the energy I give towards my own health and well-being that concerns me. I can give unmatched energy towards our finances, but not the same to my emotional needs or other physical demands. I don't have a balance. Yet, I constantly crave balance.

What's stopping me? I thought about it for weeks and weeks and realised that it came down to success. I can control our finances with ease. It's simple to plan and track, and I can successfully make what we need work. But with my emotional and physical well-being - well that takes time and energy, and I can't guarantee success in the end.

More often than not, we will put ourselves and our health last. We say it's temporary. We say it's to reach a bigger goal, and sure - it all very well may be the case, however we will usually move onto the next all consuming thing.

As the end of the year draws closer, I want to end it with a more balanced mind and life. So, I'm going to try and take the failures along the way as my small steps to success!

Ain't this just the damn truth? ☝️ Sometimes I feel like I am the only person who takes self reflection to an unhealthy level, but I do find it in many ways helps me. Repeated thoughts are a part of my OCD condition, but I have found purpose behind them more recently.

Since falling into the debt cycle a few years back and then re-shifting our focus to becoming debt free, our lives have been constant. We've had a lot thrown our way in terms of family, kids, personal health issues and changes at work. And whilst we've gone through it all, I never gave myself a break. I was aggressively focused on paying down our debt before and now I'm aggressively focused on saving.

These aren't bad things per se; debt is shit and saving is not shit BUT it's the level of energy I give it in comparison to the energy I give towards my own health and well-being that concerns me. I can give unmatched energy towards our finances, but not the same to my emotional needs or other physical demands. I don't have a balance. Yet, I constantly crave balance.

What's stopping me? I thought about it for weeks and weeks and realised that it came down to success. I can control our finances with ease. It's simple to plan and track, and I can successfully make what we need work. But with my emotional and physical well-being - well that takes time and energy, and I can't guarantee success in the end.

More often than not, we will put ourselves and our health last. We say it's temporary. We say it's to reach a bigger goal, and sure - it all very well may be the case, however we will usually move onto the next all consuming thing.

As the end of the year draws closer, I want to end it with a more balanced mind and life. So, I'm going to try and take the failures along the way as my small steps to success!
181 15 23 hours ago

Today’s shop from coles came in at around $80! Lily “helping” me out 😂💖

Today’s shop from coles came in at around $80! Lily “helping” me out 😂💖
238 4 9 December, 2019

Top #budgetmum posts

After yesterday, I bought almost everyones gift on my Christmas list! I made a small budget this year, but it’s the thought that counts😇 As of today, I have $70 left! I’m thinking if I should buy gift cards/small gifts for other random people I’m thankful for like my eyebrow lady, my professor, or my pilates instructor. OR if I should do a giveaway, OR put to toward my debt •





#budgetplanner #budgeting #budget #budgetingtips #budgetplanning #budgetnista #budgetmum #budgetlife #budgettip #cashenvelopes #cashenvelopesystem #cashenvelopewallet #cashenvelope #cashenvelopestuffing #cashenvelopewallets #daveramseybabysteps #daveramsey #daveramseyplan #daveramseybudget #daveramseycommunity #organizer

After yesterday, I bought almost everyones gift on my Christmas list! I made a small budget this year, but it’s the thought that counts😇 As of today, I have $70 left! I’m thinking if I should buy gift cards/small gifts for other random people I’m thankful for like my eyebrow lady, my professor, or my pilates instructor. OR if I should do a giveaway, OR put to toward my debt •
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#budgetplanner #budgeting #budget  #budgetingtips #budgetplanning #budgetnista #budgetmum #budgetlife #budgettip #cashenvelopes #cashenvelopesystem #cashenvelopewallet #cashenvelope #cashenvelopestuffing #cashenvelopewallets #daveramseybabysteps #daveramsey #daveramseyplan #daveramseybudget #daveramseycommunity #organizer
104 7 21 hours ago

When you forget you have an electrician coming early this morning to assess a faulty power point and your Elf on a Shelf hung everyone’s undies on the fan last night.....😳😂 #parentingfail #theyareclean #elfonashelf #elfonashelfideas2019 #christmas #christmasfun #notembarrassingatall #countdowntochristmas2019 #budgetmum #budgetaussiemum #frugalaussiemum #debtfreejourney #aussiedebtfreejourney #ozdebtfreecommunity #ozdebtfreejourney

When you forget you have an electrician coming early this morning to assess a faulty  power point and your Elf on a Shelf hung everyone’s undies on the fan last night.....😳😂 #parentingfail #theyareclean #elfonashelf #elfonashelfideas2019 #christmas #christmasfun #notembarrassingatall #countdowntochristmas2019 #budgetmum #budgetaussiemum #frugalaussiemum #debtfreejourney #aussiedebtfreejourney #ozdebtfreecommunity #ozdebtfreejourney
271 27 15 hours ago

Garlic bread pasta bake
While a packet of pasta cooked on the stove top, I cut the garlic bread into pieces and placed them into the baking tray in a preheated oven. Once the pasta was cooked I mixed in the hidden veg Bolognese and poured it over the top of the garlic bread in the baking tray. Topped the pasta with some garlic and herb dip I made on Sunday and needed to use up (garlic, herbs, spring onions and cream cheese) and then sprinkled some grated tasty cheese on top. Cooked the baking tray of food until the cheese was golden.
3 adult serves, 2 preschooler serves (and I took graysons serve out before adding it to the baking tray because he was hangry) and a lot leftover for lunches.
#usingleftovers #nofoodwaste #pastabake #feedingthefamily #familyof6
#budgetmum #budgetfriendly #budgetfamily #budgetmeals #frugalmeals #livingononeincome #ozdebtfreecommunity #mealplanning #stretchingtomakeendsmeet #mummyblogger #sydneymummy

Garlic bread pasta bake
While a packet of pasta cooked on the stove top, I cut the garlic bread into pieces and placed them into the baking tray in a preheated oven. Once the pasta was cooked I mixed in the hidden veg Bolognese and poured it over the top of the garlic bread in the baking tray. Topped the pasta with some garlic and herb dip I made on Sunday and needed to use up (garlic, herbs, spring onions and cream cheese) and then sprinkled some grated tasty cheese on top. Cooked the baking tray of food until the cheese was golden. 
3 adult serves, 2 preschooler serves (and I took graysons serve out before adding it to the baking tray because he was hangry) and a lot leftover for lunches. 
#usingleftovers #nofoodwaste #pastabake #feedingthefamily #familyof6 
#budgetmum #budgetfriendly #budgetfamily #budgetmeals #frugalmeals #livingononeincome #ozdebtfreecommunity #mealplanning #stretchingtomakeendsmeet #mummyblogger #sydneymummy
156 2 4 hours ago

I posted this video last week but took it down because I had to re edit it and then forgot to repost it. 🤦🏽‍♀️ Anywho since I’ve been budgeting and using the cash envelope system, I’ve been able to save money while also paying off debt. Last week I made my last payment of $607 towards my credit card debt and I’m officially free from credit card debt! @daveramsey 🙌🏽 It was definitely a progress and I sacrificed a lot just to be able to pay off all of my credit cards in 3 months but it was all worth it! Next up is paying off my Jeep and then tackling my student loan debt. 🤦🏽‍♀️ [Budget Planner Sheets from @thebudgetmom , Instrumental beat by @mgjofficial] For tips on budgeting check out @thebudgetmom she is really amazing. I also listen to @daveramsey podcasts and videos on YouTube! He’s awesome 😩

I posted this video last week but took it down because I had to re edit it and then forgot to repost it. 🤦🏽‍♀️ Anywho since I’ve been budgeting and using the cash envelope system, I’ve been able to save money while also paying off debt. Last week I made my last payment of $607 towards my credit card debt and I’m officially free from credit card debt! @daveramsey 🙌🏽 It was definitely a progress and I sacrificed a lot just to be able to pay off all of my credit cards in 3 months but it was all worth it! Next up is paying off my Jeep and then tackling my student loan debt. 🤦🏽‍♀️ [Budget Planner Sheets from @thebudgetmom , Instrumental beat by @mgjofficial] For tips on budgeting check out @thebudgetmom she is really amazing. I also listen to @daveramsey podcasts and videos on YouTube! He’s awesome 😩
2,187 67 3 October, 2019

Time to think critically. Do you make impulse buys at the grocery? How many things do you grab that are not on your list? ⁠
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If the cost of these items are MORE than the cost of grocery pick up. Then my advice is to DO grocery pick up. ⁠
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Doesn't matter if it costs more upfront. If it saves you more money in the end it's totally worth it. ⁠
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So now let's dish. What is your FAVORITE impulse buy? Mine is chocolate chip cookie dough 🙈⁠
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#savemoneytime #momlifebestlife #realmomlife #momstruggles #budgetmum #frugalliving #savemoney #debtfreelife #newmomlife #debtfreegoals #debtfreecommunity #momgoals #budgets #livingonabudget #budgetingtips #budgetlife #budgetplanning #moneysavingtips #momtips #momlife #budget2019 #budgettips #newmommylife #moneymanagment #financialpeace #momlifebestlife #tiredasamother #momsbelike #mommystatus #realmomlife

Time to think critically. Do you make impulse buys at the grocery? How many things do you grab that are not on your list? ⁠
.⁠
If the cost of these items are MORE than the cost of grocery pick up. Then my advice is to DO grocery pick up. ⁠
. ⁠
Doesn't matter if it costs more upfront. If it saves you more money in the end it's totally worth it. ⁠
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So now let's dish. What is your FAVORITE impulse buy? Mine is chocolate chip cookie dough 🙈⁠
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#savemoneytime #momlifebestlife #realmomlife #momstruggles #budgetmum #frugalliving #savemoney #debtfreelife #newmomlife #debtfreegoals #debtfreecommunity #momgoals #budgets #livingonabudget #budgetingtips #budgetlife #budgetplanning #moneysavingtips #momtips #momlife #budget2019 #budgettips #newmommylife #moneymanagment #financialpeace #momlifebestlife #tiredasamother #momsbelike #mommystatus #realmomlife⁠
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1,773 128 18 October, 2019

CAKE HACK 🎂🙌🏽💕
I really need to give one of these a whirl, have you joined the ‘Mudcake Hack’ craze?
Kim from @inspiredquarters whipped up this gorgeous creation for just $30.85 🥳
Here’s the breakdown:
@colessupermarkets
• Mudcake x2 $9.60
• Betty Crocker Icing $4
• Musk Sticks x3 $3
• Cake Tray $3
@kmartaus
• Triple Hearts $3
• Mixed Jewels $3
• Lollipop x2 $2
• Cake Topper $2.25
• Number Candle $1
Thanks for tagging me Kim, you’ve given me some serious inspiration for the next birthday celebration 🎉
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#cake #cakehack #cakes #birthdaycake #birthday #birthdayfun #cakelover #cakedecorator #kmartaus #kmartaustralia #kmartlove #kmartparty #party #partytime #savvy #savvyshopper #bargain #bargainshopper #bargainhunter #affordable #budget #budgeting #budgetmum

CAKE HACK 🎂🙌🏽💕
I really need to give one of these a whirl, have you joined the ‘Mudcake Hack’ craze?
Kim from @inspiredquarters whipped up this gorgeous creation for just $30.85 🥳
Here’s the breakdown:
@colessupermarkets
• Mudcake x2 $9.60
• Betty Crocker Icing $4
• Musk Sticks x3 $3
• Cake Tray $3
@kmartaus
• Triple Hearts $3
• Mixed Jewels $3
• Lollipop x2 $2
• Cake Topper $2.25
• Number Candle $1
Thanks for tagging me Kim, you’ve given me some serious inspiration for the next birthday celebration 🎉
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#cake #cakehack #cakes #birthdaycake #birthday #birthdayfun #cakelover #cakedecorator #kmartaus #kmartaustralia #kmartlove #kmartparty #party #partytime #savvy #savvyshopper #bargain #bargainshopper #bargainhunter #affordable #budget #budgeting #budgetmum
689 94 4 hours ago

I put a total of $360 toward debt in the month of October. My goal was at least $300 so I succeeded!😝 I want to tackle my debt much faster but I’m trying to be more realistic. -
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I can pay off more of my debt but then I won’t have money for myself or my sinking funds and that would make me more inclined to swipe my credit card in the process. I’m trying to stop the cycle of me using my credit cards and digging myself more into debt but it’s hard because it’s such a long and slow process. Paying off debt is a marathon not a sprint








#budgetplanner #budgeting #budget #budgetingtips #budgetplanning #budgetnista #budgetmum #budgetlife #budgettip #cashenvelopes #cashenvelopesystem #cashenvelopewallet #cashenvelope #cashenvelopestuffing #cashenvelopewallets #daveramseybabysteps #daveramsey #daveramseyplan #daveramseybudget #daveramseycommunity #organizer #filofax #filofaxpersonal

I put a total of $360 toward debt in the month of October. My goal was at least $300 so I succeeded!😝 I want to tackle my debt much faster but I’m trying to be more realistic. -
-
I can pay off more of my debt but then I won’t have money for myself or my sinking funds and that would make me more inclined to swipe my credit card in the process. I’m trying to stop the cycle of me using my credit cards and digging myself more into debt but it’s hard because it’s such a long and slow process. Paying off debt is a marathon not a sprint
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#budgetplanner #budgeting #budget  #budgetingtips #budgetplanning #budgetnista #budgetmum #budgetlife #budgettip #cashenvelopes #cashenvelopesystem #cashenvelopewallet #cashenvelope #cashenvelopestuffing #cashenvelopewallets #daveramseybabysteps #daveramsey #daveramseyplan #daveramseybudget #daveramseycommunity #organizer #filofax #filofaxpersonal
450 16 1 November, 2019

Oh the sweet joy of Christmas!! 😍😍 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
But remember NOT to go over your budget!! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
It can be tough but you got this! Try and make things work! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I like getting gifts that come with more then one item! So I can open it and divide it for more then one person! It works so well for me! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Get creative! You don’t have to go broke to show your loved ones that you love them! 💕💕 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#DebtFreeJourney #DaveRamseyBabySteps #GoalGetter #Hustle #ExtraMoney #WorkHard #Save #Savingmoney101 #DebtFreeLife #PlannerLover #LifePlans #PayingOffDebt #Savings #SavvySavingss #cashenvelopestuffing #budgetingtips #budgetmum #budgetfriendly #budgettip #healthyonabudget #budgetshopping

Oh the sweet joy of Christmas!! 😍😍 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
But remember NOT to go over your budget!! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
It can be tough but you got this! Try and make things work! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I like getting gifts that come with more then one item! So I can open it and divide it for more then one person! It works so well for me! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Get creative! You don’t have to go broke to show your loved ones that you love them! 💕💕 ⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#DebtFreeJourney #DaveRamseyBabySteps #GoalGetter #Hustle #ExtraMoney #WorkHard #Save #Savingmoney101 #DebtFreeLife #PlannerLover #LifePlans #PayingOffDebt  #Savings #SavvySavingss #cashenvelopestuffing #budgetingtips #budgetmum #budgetfriendly #budgettip #healthyonabudget #budgetshopping
144 3 16 hours ago