#budgets Instagram Photos & Videos

budgets - 40.9k posts

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Last, but not least on my little cutting expenses series- I gave up travel for 2019. I’ve been taking trips every year since about 2013-14. My trips were mostly cash flowed and some credit card use. I had so much fun and don’t have any regrets. I wasn’t disciplined enough to pay off my cards right away when I came back from vacations. And that’s okay. I’m the one paying for it now. I have amazing memories and something to motivate me while on my debt free journey. .
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I didn’t travel at all this year, but that doesn’t mean I won’t be traveling while on this journey. I plan to visit my bestie in SoCal and will cash flow everything. My expenses will be minimal as I’ll be staying with her and we’ll be cooking at home. We’re the type of friends that can hang at home and chat all night. .
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I was revisiting my 2019 goals and one of them was to take 1 domestic vacation and 1 international vacation. This was just before I read Total Money Makeover and found this community. I was ready to make this sacrifice so that I could focus on becoming financially stable. I kept my ass in SF and transformed from the inside out. I didn’t need to immerse myself in an international country to do that. But I would love to in the future 😊
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#debtfreejourney #debtfreecommunity #totalmoneymakeover #babystep2 #debtsnowball #debtpayoff #personalfinance #cashflow #budgets #budgeting #budgetlife #budgetplanner #budgetbypaycheckworkbook #budgetbypaycheckmethod #tbmfamily #teamtinyshovel

Last, but not least on my little cutting expenses series- I gave up travel for 2019. I’ve been taking trips every year since about 2013-14. My trips were mostly cash flowed and some credit card use. I had so much fun and don’t have any regrets. I wasn’t disciplined enough to pay off my cards right away when I came back from vacations. And that’s okay. I’m the one paying for it now. I have amazing memories and something to motivate me while on my debt free journey. .
.
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I didn’t travel at all this year, but that doesn’t mean I won’t be traveling while on this journey. I plan to visit my bestie in SoCal and will cash flow everything. My expenses will be minimal as I’ll be staying with her and we’ll be cooking at home. We’re the type of friends that can hang at home and chat all night. .
.
.
I was revisiting my 2019 goals and one of them was to take 1 domestic vacation and 1 international vacation. This was just before I read Total Money Makeover and found this community. I was ready to make this sacrifice so that I could focus on becoming financially stable. I kept my ass in SF and transformed from the inside out. I didn’t need to immerse myself in an international country to do that. But I would love to in the future 😊
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#debtfreejourney #debtfreecommunity #totalmoneymakeover #babystep2 #debtsnowball #debtpayoff #personalfinance #cashflow #budgets #budgeting #budgetlife #budgetplanner  #budgetbypaycheckworkbook #budgetbypaycheckmethod #tbmfamily #teamtinyshovel
11 2 3 hours ago

Let’s talk about changing your family tree.🌲
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Did you get to hold $10k in cash when you were 8!? 🤔 Yeah, me neither! But my girls live in a different world.
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They live in a world where money means power, not stress. They live in a world where cash-flowed vehicles, boats, and RVs are a reality. They live in a world that their parents worked their asses off to make exist.
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The day we bought our newest boat we stopped by the bank on the way to Houston and casually withdrew $11,000 in cash...$10k of which was in this gorgeous little bundle. I took it out of the envelope and passed it to the backseat. “Y’all wanna hold $10,000?!?” My hands were sweating because this much money in one place is still a little weird for me...but it wasn’t for them. .
The girls didn’t hesitate or feel awkward for a second holding that much cash. You see, they don’t have 30 years of unhealthy money thoughts to work through first...they just hold it and smile.
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Consider this family tree changed. 👊🏼
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#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #planner #minimalist #mindset #asunnysideuplife #samiwomack
#kids #daughters #Instagram #reallife #reality

Let’s talk about changing your family tree.🌲
. . . 
Did you get to hold $10k in cash when you were 8!? 🤔 Yeah, me neither! But my girls live in a different world.
.
They live in a world where money means power, not stress. They live in a world where cash-flowed vehicles, boats, and RVs are a reality. They live in a world that their parents worked their asses off to make exist.
.
The day we bought our newest boat we stopped by the bank on the way to Houston and casually withdrew $11,000 in cash...$10k of which was in this gorgeous little bundle. I took it out of the envelope and passed it to the backseat. “Y’all wanna hold $10,000?!?” My hands were sweating because this much money in one place is still a little weird for me...but it wasn’t for them. .
The girls didn’t hesitate or feel awkward for a second holding that much cash. You see, they don’t have 30 years of unhealthy money thoughts to work through first...they just hold it and smile.
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Consider this family tree changed. 👊🏼
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#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #planner #minimalist #mindset #asunnysideuplife #samiwomack ⁠
⁠#kids #daughters #Instagram #reallife #reality
379 20 7 hours ago

the 1 thing you should be doing right now to get a grip on your money 👇🏼
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wait let me ask a question first.. 💭
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do you know how much money you are spending monthly & on what? 💸
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how much on avg. do you spend on groceries? 🍎
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how about monthly subscriptions? 📱
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what about on shopping? 🛍
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if you aren’t not aware of your spending habits, this has gotta change!
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There are so many free and easy resources at our fingertips! 🙈
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The apps Mint or EveryDollar (my fav) are free to download & so user friendly
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being aware of your habits it the first step you can take to having more control of your money 💪🏼
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without this we are just mindlessly wandering through the weeks, months & years! 🔄
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Here’s how I do it:
1. I downloaded EveryDollar app for free
2. I created customized “buckets” in the app that apply to my life / spending
3. Every time I swipe or spend, I track that expense and assign it to a bucket
4. At the end of the month I can see EXACTLY where all my money went
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this is literally SO simple & a real game changer... after tracking and awareness we can move on to setting up a budget that fits your lifestyle and allows you to achieve the goals you desire!
⠀⠀
but first? Just start simple, & track.
⠀⠀
Do you use any financially literacy apps? Share your favorites below!👇🏼

the 1 thing you should be doing right now to get a grip on your money 👇🏼
⠀⠀
wait let me ask a question first.. 💭
⠀⠀
do you know how much money you are spending monthly & on what? 💸
⠀⠀
how much on avg. do you spend on groceries? 🍎
⠀⠀
how about monthly subscriptions? 📱
⠀⠀
what about on shopping? 🛍
⠀⠀
if you aren’t not aware of your spending habits, this has gotta change!
⠀⠀
There are so many free and easy resources at our fingertips! 🙈
⠀⠀
The apps Mint or EveryDollar (my fav) are free to download & so user friendly
⠀⠀
being aware of your habits it the first step you can take to having more control of your money 💪🏼
⠀⠀
without this we are just mindlessly wandering through the weeks, months & years! 🔄
⠀⠀
Here’s how I do it:
1. I downloaded EveryDollar app for free
2. I created customized “buckets” in the app that apply to my life / spending
3. Every time I swipe or spend, I track that expense and assign it to a bucket
4. At the end of the month I can see EXACTLY where all my money went
⠀⠀
this is literally SO simple & a real game changer... after tracking and awareness we can move on to setting up a budget that fits your lifestyle and allows you to achieve the goals you desire!
⠀⠀
but first? Just start simple, & track.
⠀⠀
Do you use any financially literacy apps? Share your favorites below!👇🏼
62 9 7 hours ago

¿Do you own a construction company? 🧰 We can help you with your accounting. 🤝 ⠀⠀
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We have great experience on handling construction schedules, Billings and Cost in excess calculations and more. ⠀⠀
⠀⠀
Se habla Español 🇪🇸 Contact us at 📧 info@neatbooksllc.com or call us at 📱305-363-4597 for more information and schedule a 🆓 consultation ✔

#NeatBooksLLC #bookkeeping #forecast #accounting #quickbooks #budgets #bookkeepers #bookkeepingtips #businesstips #smallbizowner #companysetup #virtualbookkeeping #bookkeepingatyourfingertips #doral #constructionaccounting #billingsinexcess #costinexcess #outsourcedbookkeeping #financialplanning #miami #southfl #keywest #palmbeach #broward #florida #centralflorida

¿Do you own a construction company? 🧰 We can help you with your accounting. 🤝 ⠀⠀
⠀⠀
We have great experience on handling construction schedules, Billings and Cost in excess calculations and more. ⠀⠀
⠀⠀
Se habla Español 🇪🇸 Contact us at 📧 info@neatbooksllc.com or call us at 📱305-363-4597 for more information and  schedule a 🆓 consultation ✔

#NeatBooksLLC #bookkeeping #forecast #accounting #quickbooks #budgets #bookkeepers #bookkeepingtips #businesstips #smallbizowner #companysetup #virtualbookkeeping #bookkeepingatyourfingertips #doral #constructionaccounting #billingsinexcess #costinexcess #outsourcedbookkeeping #financialplanning #miami #southfl #keywest #palmbeach #broward #florida #centralflorida
5 0 9 hours ago

Alaska Gov. Mike Dunleavy has released his spending plan for the next fiscal year, restoring a number of cuts that sparked massive public outcry last year and seeking to close the state’s spending gap with funds from the soon-to-be drained Constitutional Budget Reserve — one of the state’s only savings accounts. • Read more at www.newsminer.com, link in bio. •
#akleg #akgov #akbudget #alaska #politics #budgets #alaskapolitics #news #Dunleavy #statefunding #politicalreporter

Alaska Gov. Mike Dunleavy has released his spending plan for the next fiscal year, restoring a number of cuts that sparked massive public outcry last year and seeking to close the state’s spending gap with funds from the soon-to-be drained Constitutional Budget Reserve — one of the state’s only savings accounts. • Read more at www.newsminer.com, link in bio. •
#akleg #akgov #akbudget #alaska #politics #budgets #alaskapolitics #news #Dunleavy #statefunding #politicalreporter
9 0 9 hours ago

Unfortunately, this is a myth of credit improvement that I hear going around. Making multiple payments on installment loans (auto, home, student loans, personal loans) doesn't help your credit score at all. Only paying on time matters! Multiple payments for revolving credit (credit cards and home equity line of credit) doesn't help your credit score at all either since what's reported to the credit bureaus is your last statement balance. Keep it simple, line your debt from lowest to the highest amount owed, prioritize paying off revolving credit, pay the min on all debt and put as much as you can on the lowest revolving balance until it's gone. Once the debt is paid off, do not go over 7% of the limit each month (if it’s a credit card) and always pay in full.
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Oh btw, Do you want to boost your credit score in the next 90 days, so you can stop wasting money on rent and buy a home or rental property? Then, download our free credit boost guide at www.yfscredit.com/boost or text the word “boost” to 844-703-0379

Unfortunately, this is a myth of credit improvement that I hear going around. Making multiple payments on installment loans (auto, home, student loans, personal loans) doesn't help your credit score at all. Only paying on time matters! Multiple payments for revolving credit (credit cards and home equity line of credit) doesn't help your credit score at all either since what's reported to the credit bureaus is your last statement balance. Keep it simple, line your debt from lowest to the highest amount owed, prioritize paying off revolving credit, pay the min on all debt and put as much as you can on the lowest revolving balance until it's gone. Once the debt is paid off, do not go over 7% of the limit each month (if it’s a credit card) and always pay in full.
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Oh btw, Do you want to boost your credit score in the next 90 days, so you can stop wasting money on rent and buy a home or rental property? Then, download our free credit boost guide at www.yfscredit.com/boost or text the word “boost” to 844-703-0379
36 8 11 hours ago

Index funds are where it’s at!! 🤗 It’s low cost with low expenses. Be the one to invest your money and put it to work rather than buying things you don’t need to impress people you don’t like! Can’t stress that enough. ⁣⠀
⁣⠀
Index funds are a great way to start! Us personally, we love index funds. Index funds are so simple and well diversified, and over the long term, there’s a really good chance you will outperform the majority of actively managed mutual funds. 😉⁣⠀
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Remember to always invest at your own risk, and do research before investing into anything. ⁣⠀
⁣⠀
Follow @_honeydough_ for the best money tips and tricks to make your money stick. Also like, tag, share with your friends 💕

Index funds are where it’s at!! 🤗 It’s low cost with low expenses. Be the one to invest your money and put it to work rather than buying things you don’t need to impress people you don’t like! Can’t stress that enough. ⁣⠀
⁣⠀
Index funds are a great way to start! Us personally, we love index funds. Index funds are so simple and well diversified, and over the long term, there’s a really good chance you will outperform the majority of actively managed mutual funds. 😉⁣⠀
⁣⠀
Remember to always invest at your own risk, and do research before investing into anything. ⁣⠀
⁣⠀
Follow @_honeydough_ for the best money tips and tricks to make your money stick. Also like, tag, share with your friends 💕
46 7 11 hours ago

Hopping on that #transformationthursday train, way back to 2014 when i drove to Georgia and traded for my 2nd Jeep that i named The Juggernaut. First pic is the day of pick up from the dealer. The 2nd and 3rd pics were taken in 2015 a month before selling it to @palynch79 in whom has taken fantastic care of it as well as keeping it all original- thank god because ive regretted selling it for nearly 5 years now.
Its on the table that i possibly can buy it back from her. What do yall think?
Buy it back or Buy a Rzr/Canam and Build the Ram or just say No to both?
#tbt #jeep #jku #wrangler #unlimited #itsajeepthing #throwback #geckogreen #juggernaut #juggy

Hopping on that #transformationthursday train, way back to 2014 when i drove to Georgia and traded for my 2nd Jeep that i named The Juggernaut. First pic is the day of pick up from the dealer. The 2nd and 3rd pics were taken in 2015 a month before selling it to @palynch79 in whom has taken fantastic care of it as well as keeping it all original- thank god because ive regretted selling it for nearly 5 years now. 
Its on the table that i possibly can buy it back from her. What do yall think? 
Buy it back or Buy a Rzr/Canam and Build the Ram or just say No to both? 
#tbt #jeep #jku #wrangler #unlimited #itsajeepthing #throwback #geckogreen #juggernaut #juggy
56 15 11 hours ago

Beyond is my word for 2020.

Adverb - outside the physical limits or range.

2019 taught me how to be content. I learned to simply enjoy each moment and appreciate all that I have. In 2020, I plan to continue strengthening my faith so that I can see things beyond my control and/or current circumstance. Oftentimes I put my capabilities and situations in a box, even though I know that with God there are no boundaries. I am confined only by the walls I build myself.

My goal is to learn to look deeper than the surface and discover positives in every situation so that I can extend my skills and mindset to be a blessing to others.

What no eye has seen, what no ear has heard, and what no human mind has conceived - the things God has prepared for those who love him - 1 Corinthians 2:9

Do you have a word for 2020? Let me know what it is and why you chose it in the comments below.
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt

Beyond is my word for 2020.
•
Adverb - outside the physical limits or range.
•
2019 taught me how to be content. I learned to simply enjoy each moment and appreciate all that I have. In 2020, I plan to continue strengthening my faith so that I can see things beyond my control and/or current circumstance. Oftentimes I put my capabilities and situations in a box, even though I know that with God there are no boundaries. I am confined only by the walls I build myself.
•
My goal is to learn to look deeper than the surface and discover positives in every situation so that I can extend my skills and mindset to be a blessing to others.
•
What no eye has seen, what no ear has heard, and what no human mind has conceived - the things God has prepared for those who love him - 1 Corinthians 2:9
•
Do you have a word for 2020? Let me know what it is and why you chose it in the comments below.
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
145 20 12 hours ago

Discover key steps lawyers can take to build better client relationships and strengthen their business development efforts, according to Silvia Coulter co-founder of Law Vision Group and the Legal Sales and Service Organization: http://bit.ly/LFMCsilvia [Link in bio]
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#lawfirmmarketing #legalmarketing #podcast #legalmarketingpodcast #LawVisionGroup #LegalSalesandServiceOrganization #LSSO #legaltrends #marketingstrategies #attorneys #businessdevelopment #bizdev #businessrelationships #LawFirmMarketingCatalyst #lawfirmpr #SilviaCoulter #lawfirms #lawyers #BizDevGals #networking #budgets #marketingbudgets #marketingidea #marketingideas #marketingtip #marketingtips #marketingagency #pragency

Discover key steps lawyers can take to build better client relationships and strengthen their business development efforts, according to Silvia Coulter co-founder of Law Vision Group and the Legal Sales and Service Organization: http://bit.ly/LFMCsilvia [Link in bio]
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#lawfirmmarketing #legalmarketing #podcast #legalmarketingpodcast #LawVisionGroup #LegalSalesandServiceOrganization #LSSO #legaltrends #marketingstrategies #attorneys #businessdevelopment #bizdev #businessrelationships #LawFirmMarketingCatalyst #lawfirmpr #SilviaCoulter #lawfirms #lawyers #BizDevGals #networking #budgets #marketingbudgets #marketingidea #marketingideas #marketingtip #marketingtips #marketingagency #pragency
4 0 13 hours ago

I'll go first. 🙋‍♀️⁣

I'm giving up Audible. I mean, I like audiobooks and all, but nothing beats a paperback book. ⁣

So instead of letting Audible ding my bank account over and over, I'm going to cancel it. ⁣

Maybe I'll use it again later. But for right now, I'm saving myself $14.95/mo. ⁣

Bye Audible ✌️⁣

𝗪𝐡𝐚𝐭 𝐚𝐛𝐨𝐮𝐭 𝐲𝐨𝐮? ⁣













#debtfreejourney #debtfreecommunity #debtfree #debt   #savemoney #savingmoney #debtfreeliving #budget #budgeting #budgetfriendly #frugal #financialfreedom #studentloans #debtpayoff #budgetlife #personalfinance #financialindependence #moneysavingtips #savingmoneytips #savingmoney #budgetingtips #budgetplanning #personalfinanceforwomen #budgetnista #budgets #budgettips #livingon

I'll go first. 🙋‍♀️⁣
⁣
I'm giving up Audible. I mean, I like audiobooks and all, but nothing beats a paperback book. ⁣
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So instead of letting Audible ding my bank account over and over, I'm going to cancel it. ⁣
⁣
Maybe I'll use it again later. But for right now, I'm saving myself $14.95/mo. ⁣
⁣
Bye Audible ✌️⁣
⁣
𝗪𝐡𝐚𝐭 𝐚𝐛𝐨𝐮𝐭 𝐲𝐨𝐮? ⁣
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#debtfreejourney #debtfreecommunity #debtfree #debt  #savemoney #savingmoney #debtfreeliving #budget #budgeting #budgetfriendly #frugal #financialfreedom #studentloans #debtpayoff #budgetlife #personalfinance #financialindependence #moneysavingtips #savingmoneytips #savingmoney #budgetingtips #budgetplanning #personalfinanceforwomen #budgetnista #budgets #budgettips #livingon
35 25 13 hours ago

Bring a twinkle to your home this year with Wilko's range of pre-lit trees and decorations ✨

Bring a twinkle to your home this year with Wilko's range of pre-lit trees and decorations ✨
15 3 14 hours ago

Who struggles with paying for conveniences and saving money? ⁣

A little Waitr here and there? Lunch every other day? ⁣

My sister shared this short article with me and it may be helpful to anyone who wants to come up with a creative way to spend on conveniences AND save/invest. Because it’s all about balance. ⁣

Take a minute to read and see if this is something that you can incorporate into your life. ⁣

#starbucksandsave #waitrandwealth
#checkin #cashisking #creditispower #debtisdumb #budgets #budgetswithbee #buzzinbudgets🐝 #finances #debtfree #makeabudget #sinkingfunds #financialpeace #savings #sacrifices #financialdiscipline #cookathome #debtfreejourney #debtfreecommunity #debtisdumb #ballinonabudget #savingsaccount #saveforrainydays #financialpeace #financialresponsibility

Who struggles with paying for conveniences and saving money? ⁣
⁣
A little Waitr here and there? Lunch every other day? ⁣
⁣
My sister shared this short article with me and it may be helpful to anyone who wants to come up with a creative way to spend on conveniences AND save/invest. Because it’s all about balance. ⁣
⁣
Take a minute to read and see if this is something that you can incorporate into your life. ⁣
⁣
#starbucksandsave #waitrandwealth⁣
#checkin #cashisking #creditispower #debtisdumb #budgets #budgetswithbee #buzzinbudgets🐝 #finances #debtfree #makeabudget #sinkingfunds #financialpeace #savings #sacrifices #financialdiscipline #cookathome #debtfreejourney #debtfreecommunity #debtisdumb #ballinonabudget #savingsaccount #saveforrainydays #financialpeace #financialresponsibility
20 0 14 hours ago

LAST DAY TO APPLY FOR OUR INDIE THEATRE PRODUCING WORKSHOP! ⚡️
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Happening TUESDAY, DECEMBER 17 at the ATB Financial Arts Barns from 1-5PM! Cost is $100 but PWYC options still available!
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Don’t miss this opportunity to learn more from these fine theatre guys (swipe left) about: Budgeting💰Grant-writing ✏️ Hiring 👋 Fundraising 🎉 Marketing 📣 Touring ✈️ and more!
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Reserve your spot now (link in bio) or DM us for more info!
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#edmonton #arts #art #theatre #indie #producing #newwork #newplays #makeemups #touring #budgets #learning #knowledgeispower

LAST DAY TO APPLY FOR OUR INDIE THEATRE PRODUCING WORKSHOP! ⚡️
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Happening TUESDAY, DECEMBER 17 at the ATB Financial Arts Barns from 1-5PM! Cost is $100 but PWYC options still available!
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Don’t miss this opportunity to learn more from these fine theatre guys (swipe left) about: Budgeting💰Grant-writing ✏️ Hiring 👋 Fundraising 🎉  Marketing 📣 Touring ✈️ and more!
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Reserve your spot now (link in bio) or DM us for more info!
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#edmonton #arts #art #theatre #indie #producing #newwork #newplays #makeemups #touring #budgets #learning #knowledgeispower
27 0 16 hours ago

Need some extra holiday cash 💰? Refer your friends to @thewritetouchllc and receive $25?CASH REWARD. Tag 2 friends who love money 💚🤑

Need some extra holiday cash 💰? Refer your friends to @thewritetouchllc and receive $25?CASH REWARD. Tag 2 friends who love money 💚🤑
2 1 16 hours ago

How often do you shop impulsively and later regret?

With Diwali, Christmas and New Year sales running through October to December, are you buying unnecessary products to take advantage of some deal and then pining over a low bank balance?

Follow these simple rules and soon enough, you’ll find yourself overcoming this feeling.

Adopt the tried and tested strategy of leaving the item in your cart for 24 hours and reassessing if you still want to buy it a day later. If it’s a high value purchase, you could even hold off for 30 days.

Always have a list before you go shopping, especially if it’s online shopping. If something’s not on your pre-determined list, do not buy it. It’s that simple.

Consider the bigger picture. Do these impulsive spends fit in to your goals?

As an example, let's say your goal is to add more formal wear to your wardrobe because you have a lot more of casual wear. Make a list of a few items of clothing that you want. And when you finally go to shop for them, wait a while until you're really sure it's a good buy. Picking up a bunch of t-shirts isn't going to do much for you in this scenario.

Ad-libbing Warren Buffett here, only buy something you'd be perfectly happy to hold even after ten years.
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#Shopping #OnlineShopping #ImpulsiveShopping #Discount #Sale #Lists #Budgets #Goals #FinancialGoals #Planning #RupikoMoney #PersonalFinance

How often do you shop impulsively and later regret?

With Diwali, Christmas and New Year sales running through October to December, are you buying unnecessary products to take advantage of some deal and then pining over a low bank balance?

Follow these simple rules and soon enough, you’ll find yourself overcoming this feeling.

Adopt the tried and tested strategy of leaving the item in your cart for 24 hours and reassessing if you still want to buy it a day later. If it’s a high value purchase, you could even hold off for 30 days.

Always have a list before you go shopping, especially if it’s online shopping. If something’s not on your pre-determined list, do not buy it. It’s that simple.

Consider the bigger picture. Do these impulsive spends fit in to your goals?

As an example, let's say your goal is to add more formal wear to your wardrobe because you have a lot more of casual wear. Make a list of a few items of clothing that you want. And when you finally go to shop for them, wait a while until you're really sure it's a good buy. Picking up a bunch of t-shirts isn't going to do much for you in this scenario.

Ad-libbing Warren Buffett here, only buy something you'd be perfectly happy to hold even after ten years.
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.
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#Shopping #OnlineShopping #ImpulsiveShopping #Discount #Sale #Lists #Budgets #Goals #FinancialGoals #Planning #RupikoMoney #PersonalFinance
18 0 17 hours ago

Guys!!! I came across a site that I thought was absolutely ADORABLE for my littlest babes clothes! I am always hesitant to buy off new sites due to quality of items and such but these aren’t just cute but so SOFT and great quality! I highly recommend @macandmoon_baby!! ⁣

Andddd I was so excited that a couple weeks ago I had earned a little more than expected with my coaching paycheck so I got to splurge a bit on my little 🥰 such a great feeling to do a little extra for my littles with MY hard work and not having that stay at home momma guiltily of spending on “extras” ❤️ #notanadjustafan

Guys!!! I came across a site that I thought was absolutely ADORABLE for my littlest babes clothes! I am always hesitant to buy off new sites due to quality of items and such but these aren’t just cute but so SOFT and great quality! I highly recommend @macandmoon_baby!! ⁣
⁣
Andddd I was so excited that a couple weeks ago I had earned a little more than expected with my coaching paycheck so I got to splurge a bit on my little 🥰 such a great feeling to do a little extra for my littles with MY hard work and not having that stay at home momma guiltily of spending on “extras” ❤️#notanadjustafan
36 9 20 hours ago

Wow what a year 2019 has been... I'm rounding up the year looking at our financial achievements 💕
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We set a goal hoping to save £10k towards a house deposit thinking we were a few years off buying a house but we saved more than double that!! In January we went to view houses to give us an idea of what we wanted and didn't want..... that's where it started.
.
We were determined to buy a house in 2019. I had got the bug it was all i could think about. We went in full savings mode - we had already cut all "unnecessary" costs out of our budget and we didn't have a family holiday like we usually would. I did a stupid amount of overtime and my husband landed a really good contract at work.
.
I really do believe if you have enough determination and put enough effort in you can achieve your goals 🙌.
.
We continued to use sinking funds and paid for all birthday/Christmas gifts in full. We also paid for all car expenses throughout the year.
.
We also managed to buy all new furniture for our house. I did a lot of selling on Facebook and gumtree!!
.
And lastly we bought another "Dave" car. When we were getting out of debt we went down to 1 car. It was really tough as public transport where we lived was terrible... moving to a new area we both needed a car each again. I've just got a little run around thats only need for short journeys so will do the job 👍
.
Don't get me wrong, 2019 has been no way easy. It's been really really hard at times and there have been a few melt downs along the way!
.
You should be proud of whatever you have managed achieve, big or small 👏
.
#debtfreecommunity
#ukdebtfreecommunity #debtfree #debtfreechristmas #daveramsey #babystep3 #babysteps #buyingahome #selling #budgets #budgeting #sinkingfunds #goals

Wow what a year 2019 has been... I'm rounding up the year looking at our financial achievements 💕
.
We set a goal hoping to save £10k towards a house deposit thinking we were a few years off buying a house but we saved more than double that!! In January we went to view houses to give us an idea of what we wanted and didn't want..... that's where it started.
.
We were determined to buy a house in 2019. I had got the bug it was all i could think about. We went in full savings mode - we had already cut all "unnecessary" costs out of our budget and we didn't have a family holiday like we usually would. I did a stupid amount of overtime and my husband landed a really good contract at work.
.
I really do believe if you have enough determination and put enough effort in you can achieve your goals 🙌.
.
We continued to use sinking funds and paid for all birthday/Christmas gifts in full. We also paid for all car expenses throughout the year.
.
We also managed to buy all new furniture for our house. I did a lot of selling on Facebook and gumtree!!
.
And lastly we bought another "Dave" car. When we were getting out of debt we went down to 1 car. It was really tough as public transport where we lived was terrible... moving to a new area we both needed a car each again. I've just got a little run around thats only need for short journeys so will do the job 👍
.
Don't get me wrong, 2019 has been no way easy. It's been really really hard at times and there have been a few melt downs along the way!
.
You should be proud of whatever you have managed achieve, big or small 👏
.
#debtfreecommunity
#ukdebtfreecommunity #debtfree #debtfreechristmas #daveramsey #babystep3 #babysteps #buyingahome #selling #budgets #budgeting #sinkingfunds #goals
81 8 20 hours ago

Our desires are things that are not imminent to our survival. They are most often good & services that would give us extra comfort, they are vast & unlimited.
You might want that new car even though you have one that works fine already, you might want new pairs of shoes even though you have a closet full of shoes most of which you haven't worn in years.
Identifying these things help us in curtailing our #expenses & gives us a better insight when preparing our #budgets etc #moneytips #kliqrfornigeria #personalfinance #moneysavvy #financetips

Our desires are things that are not imminent to our survival. They are most often good & services that would give us extra comfort, they are vast & unlimited.
You might want that new car even though you have one that works fine already, you might want new pairs of shoes even though you have a closet full of shoes most of which you haven't worn in years.
Identifying these things help us in curtailing our #expenses & gives us a better insight when preparing our #budgets etc #moneytips #kliqrfornigeria #personalfinance #moneysavvy #financetips
2 0 20 hours ago

Looking to get into the property market or expand your portfolio? BFP can help you navigate the financial difficulties.

#barwonfinancialplanning

Photo by Tierra Mallorca on Unsplash

Looking to get into the property market or expand your portfolio? BFP can help you navigate the financial difficulties.

#barwonfinancialplanning

Photo by Tierra Mallorca on Unsplash
10 1 12 December, 2019

💎🖤💎 Positive Money Move Of The Day (PMMOTD)💎🖤💎
Last night I sent my dad his Christmas gift, which came to $43.82. I was planning on using my checking account, since you know, my dad. Anyways. There was some issue processing it. I used the joint account instead and it went through no issue. Anyhoo. I figured that since I had that $43.82 sitting in my account to spend, why not send it to the Amazon bill?💎🖤💎
What's your #PMMOTD let's make this a thing! 🥦This photo is at the park by my dogs vet. We took her to get a PAWdecure🥦
💎No Spend Day 5/XXX ✔️💎
#debtfreecommunity #debtleopard #debtfreejourney #budgets #budgeting #livelikenooneelse #daveramsey #dfc #babysteps #babystep2 #debtpayoff #payingoffdebt #debtisdumb #frugalliving #frugalfamily #snowflakepayments #teamtinysavings #teamtinyshovel

💎🖤💎 Positive Money Move Of The Day (PMMOTD)💎🖤💎
Last night I sent my dad his Christmas gift, which came to $43.82. I was planning on using my checking account, since you know, my dad. Anyways. There was some issue processing it. I used the joint account instead and it went through no issue. Anyhoo. I figured that since I had that $43.82 sitting in my account to spend, why not send it to the Amazon bill?💎🖤💎
What's your #PMMOTD let's make this a thing! 🥦This photo is at the park by my dogs vet. We took her to get a PAWdecure🥦
💎No Spend Day 5/XXX ✔️💎
#debtfreecommunity #debtleopard #debtfreejourney #budgets #budgeting #livelikenooneelse #daveramsey #dfc #babysteps #babystep2 #debtpayoff #payingoffdebt #debtisdumb #frugalliving #frugalfamily #snowflakepayments #teamtinysavings #teamtinyshovel
35 1 12 December, 2019

The PERFECT Christmas Gift 🎄
.
✨20% off Now until Christmas SALE‼️
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.
$14.40 for 6 customized envelopes
.
.
$4 for for budget sheet & bill tracker (12 months of budgeting sheets and 1 bill tracker) PDF
.
$9.60 for 3 customized sinking funds .
✨Bundle deal if you get all three $27.00✨
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#totalmoneymakeover #daveramsey #financialpeace #creditcards #brokeaf #cashenvelopes #financialpeaceuniversity #budgetblog #debtsucks #cashflow #debtisdumb #budgetplanner #babysteps #budgetqueens #queensofbudgeting #everythingfit
#debtfreecommunity #entrepreneurs #coaches #budgets #fixmyfunds

The PERFECT Christmas Gift 🎄
.
✨20% off  Now until Christmas SALE‼️
.
.
$14.40 for 6 customized envelopes
.
.
$4 for for budget sheet & bill tracker (12 months of budgeting sheets and 1 bill tracker) PDF
.
$9.60 for 3 customized sinking funds .
✨Bundle deal if you get all three $27.00✨
.
.
#totalmoneymakeover #daveramsey #financialpeace #creditcards #brokeaf #cashenvelopes #financialpeaceuniversity #budgetblog  #debtsucks #cashflow #debtisdumb #budgetplanner #babysteps #budgetqueens #queensofbudgeting #everythingfit 
#debtfreecommunity #entrepreneurs #coaches #budgets #fixmyfunds
15 0 12 December, 2019

A summer fridge of what our bodies LOVE in the heat and the basics only thing out of place is coles milk #supportorganiclocal
Yes we all slip up on that but we can try our #best with the #budgets we have. Living in #Australia means our bodies wont need as much meat and fat... if we were in winter yes as your body naturally burns more to stay warm.... #Australia..perhaps... our body would prefer foods..... for our #summer
#peaceandkindess
#trynottogettoostressed
#itschristmasnotcomparetime

#nutrition #clean #ascanbe #eatwiththeseasons #tryyourbest

A summer fridge of what our bodies LOVE in the heat and the basics only thing out of place is coles milk #supportorganiclocal 
Yes we all slip up on that but we can try our #best with the #budgets we have.  Living in #Australia means our bodies wont need as much meat and fat... if we were in winter yes as your body naturally burns more to stay warm.... #Australia..perhaps... our body would prefer foods..... for our #summer 
#peaceandkindess 
#trynottogettoostressed
#itschristmasnotcomparetime

#nutrition#clean#ascanbe#eatwiththeseasons#tryyourbest
27 0 12 December, 2019

⚠️They say when you Sin, you should confess...& Welp, if you know me. You know I’m an open book. SO, here it goes. ⚠️It is with great grief that I announce we’re back in debt.😔😠😩😭 So many mixed emotions! Although I do have 5 months of expenses saved, this debt piled up in just TWO MONTHS!!! That’s the reason I’ve been a bit MIA this week and truthfully? I’ve been in bed for a week. Anxious, disappointed, sad and feeling like a #TotalFailure because I can’t believe 1) I have no true recollection of what we bought to equate to that. 2) We did a big investment that turned sour and well instead of profit we had to re use our cards. In reality, I can recall thinking, sure Swiping this is ok because “We’ll pay it off as soon as the profits hit” but doing that over and over equated to the lump sum of debt that just piled up. Now, after adding all the accounts up, without the car, I’m faced with the I know better and well—- it’s time again to get back on a STRICT budget and this time around, I do plan on cutting up all the credit cards so this doesn’t ever happen again! I’m sick to my stomach. Welcome to REAL LIFE MISTAKES ⚠️ Now Follow me on this SECONDARY #DebtFreeJourney — If all things play right, we should be able to pay it off and be back on track with just a two month delay of investing on #BabyStepThree 😭😭😭😭😭😭😭😭 #LifeLessons #FinancialMistakes #CantBelieveIt #BrbCrying #debtfreecommunity #debtfreegoals #debtfreedom #backindebt #ImSorryFuture #ImUpset #FocusedOnBudgets #BoujieOnABudget #Budgets #Finances #DebtFreedom #DebtFreeCommunity #FIRECommunity #FIRE #RetireInspired #Assets #ROTHIRA #IndexFunds #LowCostIndexFunds #WholesaleMortgageBroker #WholesaleLending #FlBroker #flmortgagebroker .

⚠️They say when you Sin, you should confess...& Welp, if you know me. You know I’m an open book. SO, here it goes. ⚠️It is with great grief that I announce we’re back in debt.😔😠😩😭 So many mixed emotions! Although I do have 5 months of expenses saved, this debt piled up in just TWO MONTHS!!! That’s the reason I’ve been a bit MIA this week and truthfully? I’ve been in bed for a week. Anxious, disappointed, sad and feeling like a #TotalFailure because I can’t believe 1) I have no true recollection of what we bought to equate to that. 2) We did a big investment that turned sour and well instead of profit we had to re use our cards. In reality, I can recall thinking, sure Swiping this is ok because “We’ll pay it off as soon as the profits hit” but doing that over and over equated to the lump sum of debt that just piled up. Now, after adding all the accounts up, without the car, I’m faced with the I know better and well—- it’s time again to get back on a STRICT budget and this time around, I do plan on cutting up all the credit cards so this doesn’t ever happen again! I’m sick to my stomach. Welcome to REAL LIFE MISTAKES ⚠️ Now Follow me on this SECONDARY #DebtFreeJourney — If all things play right, we should be able to pay it off and be back on track with just a two month delay of investing on #BabyStepThree 😭😭😭😭😭😭😭😭 #LifeLessons #FinancialMistakes #CantBelieveIt #BrbCrying #debtfreecommunity #debtfreegoals #debtfreedom #backindebt #ImSorryFuture #ImUpset #FocusedOnBudgets #BoujieOnABudget #Budgets #Finances #DebtFreedom #DebtFreeCommunity #FIRECommunity #FIRE #RetireInspired #Assets #ROTHIRA #IndexFunds #LowCostIndexFunds #WholesaleMortgageBroker #WholesaleLending #FlBroker #flmortgagebroker .
44 7 12 December, 2019

In my opinion, spending time together + having fun as a family is really the most important thing about the Holidays. ⁠

The best part is that most of these family activities are either free or super budget-friendly! ⁠

What are your favorite frugal Christmas traditions? ⁠


#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #planner #minimalist #mindset #asunnysideuplife #samiwomack
#kids #daughters #Instagram #reallife #reality

In my opinion, spending time together + having fun as a family is really the most important thing about the Holidays. ⁠
⁠
The best part is that most of these family activities are either free or super budget-friendly! ⁠
⁠
What are your favorite frugal Christmas traditions? ⁠
⁠
⁠
⁠#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #planner #minimalist #mindset #asunnysideuplife #samiwomack ⁠
⁠#kids #daughters #Instagram #reallife #reality⁠
⁠
459 13 12 December, 2019

How much do you pay for convenience items? Where do you find savings? Here is a new post. Please check for the link in my bio. #schooloftoughmoms #savings #spending #frugalways #frugaljourney #savingmoney #savingmoneytips #findsavings #budgeting #budgetgoals #budgets

How much  do you pay for convenience items?  Where do you find savings?  Here is a new post.  Please check for the link in my bio.  #schooloftoughmoms #savings #spending #frugalways #frugaljourney #savingmoney #savingmoneytips #findsavings #budgeting #budgetgoals #budgets
5 0 11 December, 2019

5 1 11 December, 2019

Honour your space and do what is right for this holiday season. Enjoy the holidays, the festivities and make memories that you will cherish for years to come - that’s where the magic lies 🎄🥰
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#christmas #holidays #traditions #expectations #finances #stressful #dowhatisrightforyou #onalllevels #budgets #planning #incontrol #gailsylvestermortgages #mortgagebroker #morethanjustmortgages

Honour your space and do what is right for this holiday season. Enjoy the holidays, the festivities and make memories that you will cherish for years to come - that’s where the magic lies 🎄🥰
.
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#christmas #holidays #traditions #expectations #finances #stressful #dowhatisrightforyou #onalllevels #budgets #planning #incontrol #gailsylvestermortgages #mortgagebroker #morethanjustmortgages
21 0 11 December, 2019

We are now looking to 2020 with our financial plans and operations strategy. What is your strategy that is worth remembering? #strategy #financialplanning #budgets #restaurants #restaurantaccounting #accounting #2020vision

We are now looking to 2020 with our financial plans and operations strategy. What is your strategy that is worth remembering? #strategy #financialplanning #budgets #restaurants #restaurantaccounting #accounting #2020vision
14 0 11 December, 2019

Get the Christmas party started with Topshop & Topman and gift yourself a cheaper phone bill in the new year🕺

Get the Christmas party started with Topshop & Topman and gift yourself a cheaper phone bill in the new year🕺
11 4 11 December, 2019

Being intentional and planning ahead I have found has saved us a lot of money.

Everything from simple items like buying diapers. This last Thanksgiving I completely drop the ball and forgot that we didn't have diapers. Of course on Thanksgiving Day everything is closed so I was forced to go to CVS buy a pack of 20 diapers for $10 which is an absolute rib off. My not planning ahead cost me.

To even the slightly bigger things like planning Christmas presents for the people in your life. This year I am planning on gifting our neighbors a little something which I am making. I'm being very intentional. Going to different stores. Doing my due diligence so I can get the best deal but also find nice items to create a small gift set.

I have definitely found in past years that if I wait to the last minute I spend a lot more money.
So let's all be intentional and plan ahead so that we can save our coins. Happy planning!

#thefrugalmamabear #financialfreedom #financialfitness #finances #nevergiveup #strivefortommorrow #budgets #debtfreecommunity #debtfreejourney #alwaysmovingforward #rejoiceinthesmallthings #celebratethesmall #success #contentment #realhappiness #longtermfinancialsuccess

Being intentional and planning ahead I have found has saved us a lot of money.

Everything from simple items like buying diapers. This last Thanksgiving I completely drop the ball and forgot that we didn't have diapers. Of course on Thanksgiving Day everything is closed so I was forced to go to CVS buy a pack of 20 diapers for $10 which is an absolute rib off. My not planning ahead cost me.

To even the slightly bigger things like planning Christmas presents for the people in your life. This year I am planning on gifting our neighbors a little something which I am making. I'm being very intentional. Going to different stores. Doing my due diligence so I can get the best deal but also find nice items to create a small gift set.

I have definitely found in past years that if I wait to the last minute I spend a lot more money.
So let's all be intentional and plan ahead so that we can save our coins. Happy planning!

#thefrugalmamabear#financialfreedom#financialfitness#finances#nevergiveup#strivefortommorrow#budgets#debtfreecommunity#debtfreejourney#alwaysmovingforward#rejoiceinthesmallthings#celebratethesmall#success#contentment#realhappiness#longtermfinancialsuccess
28 5 11 December, 2019

Took a little time this morning to start our 2020 budget. It’s been too long since I’ve been in this spreadsheet but I’m going to stick to it next year!•
#budget #budgets #excel #excelspreadsheets #budgeting #tellyourmoneywheretogo #babystep2 #avalanchemethod #debt #debtfree #debtfreedom #debtfreecommunity #dfc

Took a little time this morning to start our 2020 budget. It’s been too long since I’ve been in this spreadsheet but I’m going to stick to it next year!•
#budget #budgets #excel #excelspreadsheets #budgeting #tellyourmoneywheretogo #babystep2 #avalanchemethod #debt #debtfree #debtfreedom #debtfreecommunity #dfc
8 0 11 December, 2019

Happy last days of 2019.

As this year (& decade) comes to a close, it's time to prepare for 2020. Reposting affirmations on IG is nice, but that can only take you so far. Over the next few weeks, I challenge you to write out how you want 2020 to look. Writing down your vision not only helps you discover your destiny, but it helps you put action towards it. If you can imagine yourself where you want to be, you'll have more belief in accomplishing your goals. Writing down your vision is key to bring it to life.

Over the next few days, I'll be sharing how I envision 2020, including my word of the year, my financial goals (hint: it's only one), and how I plan to expand my business.

In the comments below, let me know one thing you plan to do differently in 2020. I'll start: I plan to establish a morning routine so that I will wake up earlier on a daily basis.

Write the vision; make it plain on tablets, so he may run who reads it. Habakkuk 2:2
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt

Happy last days of 2019.
•
As this year (& decade) comes to a close, it's time to prepare for 2020. Reposting affirmations on IG is nice, but that can only take you so far. Over the next few weeks, I challenge you to write out how you want 2020 to look. Writing down your vision not only helps you discover your destiny, but it helps you put action towards it. If you can imagine yourself where you want to be, you'll have more belief in accomplishing your goals. Writing down your vision is key to bring it to life.
•
Over the next few days, I'll be sharing how I envision 2020, including my word of the year, my financial goals (hint: it's only one), and how I plan to expand my business.
•
In the comments below, let me know one thing you plan to do differently in 2020. I'll start: I plan to establish a morning routine so that I will wake up earlier on a daily basis.
•
Write the vision; make it plain on tablets, so he may run who reads it. Habakkuk 2:2
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
405 30 11 December, 2019

Don’t get you emails trigger you to spend unnecessary! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Double tap the 💙 if you receive an email about a sale and end up purchasing items you didn’t need!Then you tell yourself the sale was too good to pass up on! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
I am very guilty of this!

Don’t get you emails trigger you to spend unnecessary! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Double tap the 💙 if you  receive an  email about a sale and end up purchasing items you didn’t need!Then you tell yourself the sale was too good to pass up on! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
I am very guilty of this!
18 1 11 December, 2019

You are eyeing up that new stuffed animal for your kid for Christmas but unsure how you are going to pay for it.⠀

That’s why we have holiday loans for $500 with 12 month 12% auto transfer or payroll deduction. Now you can buy those gifts without the worry. Call us at 816-252-2415 or come visit us to get started.⠀


#holidaysale #holidaycollection #holidayspirit #holidaybaking #holidaygiftguide #holidaylove #holidayhome #itschristmas #nevertooearlyforchristmas #readyforchristmas #budgetingplanner #budgetingtips #budgetplanning #budgetmom #budgetlife #budgets #budgettip

You are eyeing up that new stuffed animal for your kid for Christmas but unsure how you are going to pay for it.⠀
⠀
That’s why we have holiday loans for $500 with 12 month 12% auto transfer or payroll deduction. Now you can buy those gifts without the worry. Call us at 816-252-2415 or come visit us to get started.⠀
⠀
⠀
#holidaysale #holidaycollection #holidayspirit #holidaybaking #holidaygiftguide #holidaylove #holidayhome #itschristmas #nevertooearlyforchristmas #readyforchristmas #budgetingplanner #budgetingtips #budgetplanning #budgetmom #budgetlife #budgets #budgettip
6 0 11 December, 2019

Take Aways

As we wrap up this financial peace series, I don't want to speak too soon, but we are finally past the halfway mark to paying off this loan - so something must be working in our plan!

Overall, this journey has been so eye opening. We both feel as a couple that this plan has felt so sustainable that when we are done paying off this student loan next year, maybe we try to pay off the house next!

Two major things that have become staples in our routine:

1) Weekly Budgeting:
We budget every Sunday no matter how late or early, no matter how tired or sick. It gets done. We feel it is a testament to our commitment and to our goals.  We use our weekly budgeting meetings as opportunities to plan our personal and social schedules together. It helped us to avoid being caught off guard and to avoid spending spontaneously.
2) Weekly Planning
After budgeting, we would take time on Sundays to create a plan for our social and personal schedules. This would encompass any outings with friends and family, but would also include our meal prep plan for the week and our grocery list. It has helped to reduce food cost and waste. This ultimately added up to significant savings - our estimate being about $4000/yearly with just a tiny bit of weekly planning. This enabled us to enjoy our time with friends and family without guilt but also helped to meet our goals at the same time.
We are so excited for your to follow us on this journey and hope that you will take something away from this that will help you.

We look forward to hearing from you and hope you will share your own experiences with us.

The past six months have gone by quickly and I am sure the next eight months will too! ❤️ Harpreet and Adhish Vyas

Take Aways

As we wrap up this financial peace series, I don't want to speak too soon, but we are finally past the halfway mark to paying off this loan - so something must be working in our plan!

Overall, this journey has been so eye opening. We both feel as a couple that this plan has felt so sustainable that when we are done paying off this student loan next year, maybe we try to pay off the house next!

Two major things that have become staples in our routine:

1) Weekly Budgeting:
We budget every Sunday no matter how late or early, no matter how tired or sick. It gets done. We feel it is a testament to our commitment and to our goals.  We use our weekly budgeting meetings as opportunities to plan our personal and social schedules together. It helped us to avoid being caught off guard and to avoid spending spontaneously. 
2) Weekly Planning
After budgeting, we would take time on Sundays to create a plan for our social and personal schedules. This would encompass any outings with friends and family, but would also include our meal prep plan for the week and our grocery list. It has helped to reduce food cost and waste. This ultimately added up to significant savings - our estimate being about $4000/yearly with just a tiny bit of weekly planning. This enabled us to enjoy our time with friends and family without guilt but also helped to meet our goals at the same time. 
We are so excited for your to follow us on this journey and hope that you will take something away from this that will help you.

We look forward to hearing from you and hope you will share your own experiences with us.

The past six months have gone by quickly and I am sure the next eight months will too! ❤️ Harpreet and Adhish Vyas
35 3 11 December, 2019

#womentowatch
This woman right here!?! @corazonakinyi is a BOSS in her own right! From having a full-time career, being a Zumba instructor, running her own clothing line (@imaniclothing ), to sharing her skills & knowledge of being financially smart; there is nothing she can’t do! And did I mention she is one of the sweetest most down-to-Earth people you will ever meet!? If you are looking for cute clothes, financial peace, or both, follow her and click on her bio link to see all she shares about being financially smart! •••
#shesaboss #entrepreneur #zphib #blackgirlmagic #sheislegit
#Repost @corazonakinyi ・・・
Have you ever found yourself short of money at the end of the month? Have you ever felt overwhelmed with the amount of expenses you have to keep up with me? Does it never seem enough for the amount of money you make?

I’ve definitely been there.

And just when you think there is nothing else you can do, no other way to stretch yourself, I ask that you reconsider those thoughts. Sometimes it takes creativity, other times it will take sacrifice, either way, there may be a way you haven’t considered yet.

I’m sharing the 9 expenses you should consider cutting from your budget to increase savings.

Click the link in my bio, click on blog post and check out the 9 savings you may have not considered.


#savings #financialfreedom #money #debtfreedom #financialgoals #financialsuccess #savingmoney #financialindependence #debtfreecommunity #moneymanagement #moneytips #savemoney #personalfinance #budgets #budget #debtfreeliving #moneytips #budgeting #debtfree #debtfreejourney #creditcards #daveramsey #moneygoals #budgetgoals

#womentowatch
This woman right here!?! @corazonakinyi is a BOSS in her own right! From having a full-time career, being a Zumba instructor, running her own clothing line (@imaniclothing ), to sharing her skills & knowledge of being financially smart; there is nothing she can’t do! And did I mention she is one of the sweetest most down-to-Earth people you will ever meet!? If you are looking for cute clothes, financial peace, or both, follow her and click on her bio link to see all she shares about being financially smart! •••
#shesaboss #entrepreneur #zphib #blackgirlmagic #sheislegit 
#Repost @corazonakinyi ・・・
Have you ever found yourself short of money at the end of the month? Have you ever felt overwhelmed with the amount of expenses you have to keep up with me? Does it never seem enough for the amount of money you make?

I’ve definitely been there.

And just when you think there is nothing else you can do, no other way to stretch yourself, I ask that you reconsider those thoughts. Sometimes it takes creativity, other times it will take sacrifice, either way, there may be a way you haven’t considered yet.

I’m sharing the 9 expenses you should consider cutting from your budget to increase savings.

Click the link in my bio, click on blog post and check out the 9 savings you may have not considered.
•

#savings #financialfreedom #money #debtfreedom #financialgoals #financialsuccess #savingmoney #financialindependence #debtfreecommunity #moneymanagement #moneytips #savemoney #personalfinance #budgets #budget #debtfreeliving #moneytips #budgeting #debtfree #debtfreejourney #creditcards #daveramsey #moneygoals #budgetgoals
19 2 11 December, 2019

Let's be honest, I'm a sucker when it comes to saving money. This is true even if its cents on the dollar. That's why I recently got myself a fuel rewards card, and you should too. I'm saving 10 cents every gallon. Which is $1.60 every time I fill up. Which is $6.40 every month. Which is $76.80 a year. And in total up until I retire is $3148.80, and that's alot of money. And who knows how much more I can save over a lifetime on something I would end up buying anyway. Comment down below on what you save on gas! ⬇️
➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
🔔: Turn on post notifications
💪: Follow @sethreyers⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
📱: Tag Friends - Comment - Save
➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖

Let's be honest, I'm a sucker when it comes to saving money. This is true even if its cents on the dollar. That's why I recently got myself a fuel rewards card, and you should too. I'm saving 10 cents every gallon. Which is $1.60 every time I fill up. Which is $6.40 every month. Which is $76.80 a year. And in total up until I retire is $3148.80, and that's alot of money. And who knows how much more I can save over a lifetime on something I would end up buying anyway. Comment down below on what you save on gas! ⬇️
➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
🔔: Turn on post notifications
💪: Follow @sethreyers⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
📱: Tag Friends - Comment - Save
➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
1 2 11 December, 2019

New post! Most personal finance people say no - especially when it comes to donating to charities while in debt. What's our take? Our answer will shock you.

https://bunnyhopstowealth.com/index.php/2019/12/10/should-you-ever-do-charity-giving-during-your-financial-journey/

What are your thoughts on charity giving? Do you have a favorite charity you give to?

#Debtfreecommunity #debtfree #debtfreejourney #financialfreedom #budgeting #budgetplanner #budgets #budget

New post! Most personal finance people say no - especially when it comes to donating to charities while in debt. What's our take? Our answer will shock you.

https://bunnyhopstowealth.com/index.php/2019/12/10/should-you-ever-do-charity-giving-during-your-financial-journey/

What are your thoughts on charity giving? Do you have a favorite charity you give to?

#Debtfreecommunity #debtfree #debtfreejourney #financialfreedom #budgeting #budgetplanner #budgets #budget
9 1 11 December, 2019

Put in the work, be consistent, set SMART goals and in 10 years you can be darn near anything you want to be. You just have to put in the work. A for the love of god.. focus on one thing until you complete it. Stop dream and goal hopping.

Put in the work, be consistent, set SMART goals and in 10 years you can be darn near anything you want to be. You just have to put in the work. A for the love of god.. focus on one thing until you complete it. Stop dream and goal hopping.
152 3 11 December, 2019

Do not #panic if you have not yet #purchased your #jewellery #Christmas #Presents.....there’s still time.

#Gold, #Silver, #Platinum, #Diamonds, here at Manor #Jewellery we have it all, all types of Jewellery to suit all #Budgets.

Come & speak to me at Manor Jewellery & I’ll be more then happy to help you find that perfect #Gift 🎅🏼🤶🏻🎁 Lydia xx

#9ctgold #18ctgold #whitegold #rosegold #sterlingsilver #bespokejewellery #jewelleryrepairs #goldsmith #jeweller #braintreejeweller #essexjewellery #braintreeessex #diamonds #platinum

Do not #panic if you have not yet #purchased your #jewellery #Christmas #Presents.....there’s still time.

#Gold, #Silver, #Platinum, #Diamonds, here at Manor #Jewellery we have it all, all types of Jewellery to suit all #Budgets.

Come & speak to me at Manor Jewellery & I’ll be more then happy to help you find that perfect #Gift 🎅🏼🤶🏻🎁 Lydia xx

#9ctgold #18ctgold #whitegold #rosegold #sterlingsilver #bespokejewellery #jewelleryrepairs #goldsmith #jeweller #braintreejeweller #essexjewellery #braintreeessex #diamonds #platinum
1 0 11 December, 2019

#municipales2020 #parisensemble @LaREMParis15 | Ce soir salle comble pour le #QuartiersLibres de @BGriveaux #Paris15 : union @enmarchefr, #securite #policemunicipale armée, assistant.e.s maternelles toutes les réponses à vos questions ce soir!
tour porte de Versailles contre la densification pour l'équilibre est/ouest, #transports, de la voirie, entretien. Plus de pouvoir au maires d'arrondissement !
Stop les nouveaux chantiers mais poursuites des #travaux en cours et des #aménagements nécessaires pour la sécurité de tous!
Question #migratoire, grande #pauvreté et #insertion tous les #enfants doivent aller à l' #école et dormir sous un toit! Stop au scandale des marchants de sommeil! #propreté : amélioration des techniques de collecte mais aussi diminuer les déchets et les #recycler! Labo test pour #paris : diminution des emballages !
Projets participatifs avec #budgets: questions sur les vrais sujets où il y a de vrais enjeux! vidéoprotection mais sans reconnaissance faciale. #education a la #tolérance et respect de la #diversité. "On ne naît pas à paris on y renaît" SG.
Adapter la réponse collective à la cohabitation de 4 générations un objectif : Retrouver le plaisir et la fierté de vivre à #Paris améliorer les transports par le développement du télétravail -15% par jours de teletravaille! Il faut agir après un mandat diminution de 50% de la vitesse des bus!
#democratie participative avec les #commercants avec communication grâce aux #240quartiers attachement à l' #égalité #femme homme pour les têtes de listes et dans les arrondissements gagnables! Dans l'exécutif parisien d'arrondissement et partout dans paris!
Pas de procès d'intention ouverture à la discussion avec tous ceux qui auront fait leur examen de conscience sauf les personnes contre la #république ! faire le ménage libérer les agents redonner des responsabilités aux maires d'arrondissements au maire de paris et ses adjoint.e.s

#municipales2020 #parisensemble @LaREMParis15 | Ce soir salle comble pour le #QuartiersLibres de @BGriveaux #Paris15 : union @enmarchefr, #securite #policemunicipale armée, assistant.e.s maternelles toutes les réponses à vos questions ce soir! 
tour porte de Versailles contre la densification pour l'équilibre est/ouest, #transports, de la voirie, entretien. Plus de pouvoir au maires d'arrondissement !
Stop les nouveaux chantiers mais poursuites des #travaux en cours et des #aménagements nécessaires pour la sécurité de tous!
Question #migratoire, grande #pauvreté et #insertion tous les #enfants doivent aller à l'#école et dormir sous un toit! Stop au scandale des marchants de sommeil! #propreté : amélioration des techniques de collecte mais aussi diminuer les déchets et les #recycler! Labo test pour #paris : diminution des emballages ! 
Projets participatifs avec #budgets: questions sur les vrais sujets où il y a de vrais enjeux! vidéoprotection mais sans reconnaissance faciale. #education  a la #tolérance et respect de la #diversité. "On ne naît pas à paris on y renaît" SG. 
Adapter la réponse collective à la cohabitation de 4 générations un objectif : Retrouver le plaisir et la fierté de vivre à #Paris améliorer les transports par le développement du télétravail -15% par jours de teletravaille! Il faut agir après un mandat diminution de 50% de la vitesse des bus! 
#democratie participative avec les #commercants avec communication grâce aux #240quartiers attachement à l'#égalité #femme homme pour les têtes de listes et dans les arrondissements gagnables! Dans l'exécutif parisien d'arrondissement et partout dans paris! 
Pas de procès d'intention ouverture à la discussion avec tous ceux qui auront fait leur examen de conscience sauf les personnes contre la #république ! faire le ménage libérer les agents redonner des responsabilités aux maires d'arrondissements au maire de paris et ses adjoint.e.s
8 0 11 December, 2019
#hotel #hoteldesertmemories #budgets luxury
7 0 11 December, 2019

Global Ahlers P&M meeting in Vietnam. Great team preparing to overcome the challenges faced in 2019 and be ready for a successful 2020!!! #ahlers #team #hanoi #vietnam #budgets #thebestprojectforwarderintheworld

Global Ahlers P&M meeting in Vietnam. Great team preparing to overcome the challenges faced in 2019 and be ready for a successful 2020!!! #ahlers #team #hanoi #vietnam #budgets #thebestprojectforwarderintheworld
51 0 11 December, 2019

I may have over done it for stay-at-home Hockey. But I don’t care.

GO STARS!!! #dallasstars #dallasstarshockey #hockey #stayinghometosave #budgets

I may have over done it for stay-at-home Hockey. But I don’t care.

GO STARS!!! #dallasstars #dallasstarshockey #hockey #stayinghometosave #budgets
6 2 11 December, 2019

“Budgeting” may sound like a dirty word, but getting started with the 50/30/20 budget rule is a lot easier than you may think. Have YOU tried the 50/30/20 rule?⠀
*⠀
*⠀
For more personal finance tips, resources, and guides, check out The Debt Hustler website (link in profile)!⠀
*⠀
*⠀
#personalfinance #money #moneymoneymoney #finances #moneygoals #moneymatters #moneytips #budget #budgeting #billsbillsbills #budgetplanner #budgetlife #budgets #frugal #frugalliving #frugallife

“Budgeting” may sound like a dirty word, but getting started with the 50/30/20 budget rule is a lot easier than you may think. Have YOU tried the 50/30/20 rule?⠀
*⠀
*⠀
For more personal finance tips, resources, and guides, check out The Debt Hustler website (link in profile)!⠀
*⠀
*⠀
#personalfinance #money #moneymoneymoney #finances #moneygoals #moneymatters #moneytips #budget #budgeting #billsbillsbills #budgetplanner #budgetlife #budgets #frugal #frugalliving #frugallife
6 0 11 December, 2019

I saw this online the other day and I really want to know what you think. Do you like it? Or better yet, how do you do Christmas gifts and budgeting? ⁠
.⁠
I'm going to be honest here this is the first year that we've had the expendable money to do whatever for Christmas and I'm having a REALLY hard time sticking to my budget. ⁠
. ⁠
This is also the first year we've had a kid that is old enough to actually want lots of things. Like lots of things 🤣⁠
.⁠
To keep myself on track I made a handy Christmas budget tracker. You can snag a copy for yourself at the link in my bio!
.
.
.
.
.
.

#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

I saw this online the other day and I really want to know what you think. Do you like it? Or better yet, how do you do Christmas gifts and budgeting? ⁠
.⁠
I'm going to be honest here this is the first year that we've had the expendable money to do whatever for Christmas and I'm having a REALLY hard time sticking to my budget. ⁠
. ⁠
This is also the first year we've had a kid that is old enough to actually want lots of things. Like lots of things 🤣⁠
.⁠
To keep myself on track I made a handy Christmas budget tracker. You can snag a copy for yourself at the link in my bio!
.
.
.
.
.
.

#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
94 24 11 December, 2019

You're starting off with a blank slate. ⁣

Sometimes we focus on perfection so we never start. ⁣

Procrastion and perfection will kill your goals!! ⁣

No matter what you want to do, don't worry about perfection, 𝐉𝐮𝐬𝐭 𝐒𝐭𝐚𝐫𝐭. ⁣

Some people are visual so ....⁣
~ Write down your goals⁣
~ Cross out each goal once you've reached that goal⁣
~ Reflect on your successful completion of that goal⁣
~ Move on to the next goal⁣

Need help? Download the 𝐅𝐑𝐄𝐄 budget & debt tracker by clicking the 𝐛𝐢𝐨 𝐥𝐢𝐧𝐤.⁣


#creditgoals #thecreditgoal #fixyourcredit #reachyourgoals #creditrepair #budgets #financialjourney #journaling #procrastionkills #money101 #financetips #credittips #creditcounseling #frugal #minimalist #smashdebt #budgetvsincome #livewithinyourmeans #budgettips #budgetfriendly #onabudget #livingonabudget #budgetlife #personalfinance #personalbudget #trackexpenses #talkmoney #moneysaver #moneybasics #budget101

You're starting off with a blank slate. ⁣
⁣
Sometimes we focus on perfection so we never start. ⁣
⁣
Procrastion and perfection will kill your goals!! ⁣
⁣
No matter what you want to do, don't worry about perfection, 𝐉𝐮𝐬𝐭 𝐒𝐭𝐚𝐫𝐭. ⁣
⁣
 Some people are visual so ....⁣
~ Write down your goals⁣
~ Cross out each goal once you've reached that goal⁣
~  Reflect on your successful completion of that goal⁣
~  Move on to the next goal⁣
⁣
Need help? Download the 𝐅𝐑𝐄𝐄 budget & debt tracker by clicking the 𝐛𝐢𝐨 𝐥𝐢𝐧𝐤.⁣
⁣
⁣
#creditgoals #thecreditgoal #fixyourcredit #reachyourgoals #creditrepair #budgets #financialjourney #journaling #procrastionkills #money101 #financetips #credittips #creditcounseling #frugal #minimalist #smashdebt #budgetvsincome #livewithinyourmeans #budgettips #budgetfriendly #onabudget #livingonabudget #budgetlife #personalfinance #personalbudget #trackexpenses  #talkmoney #moneysaver #moneybasics #budget101
53 0 11 December, 2019

Looks online can be deceiving. ⁠

curated social media feeds, white-wash Lightroom filters, the perfect aesthetic to make you believe that I have all of my s**t together in every single aspect of my life.⁠

Guess what?⁠

It's fake.⁠

THIS. This right here, is real.⁠

I'm tired, I've been on my feet all day, it's muggy, the girls are grumpy.⁠

I try hard to make my content relevant to you. The reality is that I don't have everything together in type-A precision, so my feed isn't going to reflect that. ⁠

I have hiccups and failures, life lows, Mom freak outs and business scares all the time.⁠

The trick isn't what happens to you, it's HOW you deal with it.⁠

So I'll keep posting my somewhat insane life - with the good AND the bad!⁠



#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #planner #minimalist #mindset #asunnysideuplife #samiwomack
#kids #daughters #Instagram #reallife #reality

Looks online can be deceiving. ⁠
⁠
curated social media feeds, white-wash Lightroom filters, the perfect aesthetic to make you believe that I have all of my s**t together in every single aspect of my life.⁠
⁠
Guess what?⁠
⁠
It's fake.⁠
⁠
THIS. This right here, is real.⁠
⁠
I'm tired, I've been on my feet all day, it's muggy, the girls are grumpy.⁠
⁠
I try hard to make my content relevant to you. The reality is that I don't have everything together in type-A precision, so my feed isn't going to reflect that. ⁠
⁠
I have hiccups and failures, life lows, Mom freak outs and business scares all the time.⁠
⁠
The trick isn't what happens to you, it's HOW you deal with it.⁠
⁠
So I'll keep posting my somewhat insane life - with the good AND the bad!⁠
⁠
⁠
⁠
#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #planner #minimalist #mindset #asunnysideuplife #samiwomack ⁠
⁠#kids #daughters #Instagram #reallife #reality
161 17 11 December, 2019

The new YSL Bag.⠀
A bikini-clad beach photo.⠀
A new Benz.⠀
I just bought blah blah blah...⠀

If you're like me, you've seen at least 2 of the above posts since you've been scrolling. And you're probably thinking, how can these people take 5 vacations a month?⠀

10+ years ago, I was in a rut. I'd see people traveling, buying houses, eating at nice restaurants every other day, and dressed in the best. I was so discouraged, wondering why I could never get ahead. ⠀

Is this you? Wondering how you can get ahead and start living the life you want?⠀

Well, this is what I did... I started reading and researching. I started learning what worked for me and developing systems and worksheets and methods that helped me live the life I wanted. I started traveling and I bought a home. I slowly started upgrading my life, my mindset and actually using the money I had to reach my goals. ⠀ ⠀
If you're like Nikkia from 10+ years ago, I have an answer for you ⠀

I have officially opened the registration for my new Coaching Program #TheLifestyleReset. ⠀

If you are interested in Reseting your Lifestyle and start using what you have, where you are right now to live the life you want, click the link in my bio. I'm only accepting 5 partners in January. The link in my bio will tell you a little more about me and #TheLifestyleReset. ⠀

Let's Do This! ⠀




#cashenvelopesystem #savemoney #cashisking #creditgoals #personalfinances #financialliteracy #debtfreeliving #moneygoals #livelikenooneelse #financialplanning #creditrepair #success #creditcard #debtfreegoals #credit #saving #financetips #tips #budgets #cash #business #budgettip #personalfinanceforwomen #moneytips #frugallife #onabudget #financialgoals #zerobasedbudget #firecommunity

The new YSL Bag.⠀
A bikini-clad beach photo.⠀
A new Benz.⠀
I just bought blah blah blah...⠀
⠀
If you're like me, you've seen at least 2 of the above posts since you've been scrolling. And you're probably thinking, how can these people take 5 vacations a month?⠀
⠀
10+ years ago, I was in a rut. I'd see people traveling, buying houses, eating at nice restaurants every other day, and dressed in the best. I was so discouraged, wondering why I could never get ahead. ⠀
⠀
Is this you? Wondering how you can get ahead and start living the life you want?⠀
⠀
Well, this is what I did... I started reading and researching. I started learning what worked for me and developing systems and worksheets and methods that helped me live the life I wanted. I started traveling and I bought a home. I slowly started upgrading my life, my mindset and actually using the money I had to reach my goals. ⠀ ⠀
If you're like Nikkia from 10+ years ago, I have an answer for you ⠀
⠀
I have officially opened the registration for my new Coaching Program #TheLifestyleReset. ⠀
⠀
If you are interested in Reseting your Lifestyle and start using what you have, where you are right now to live the life you want, click the link in my bio. I'm only accepting 5 partners in January. The link in my bio will tell you a little more about me and #TheLifestyleReset. ⠀
⠀
Let's Do This! ⠀
⠀
⠀
⠀
⠀
#cashenvelopesystem #savemoney #cashisking #creditgoals #personalfinances #financialliteracy #debtfreeliving #moneygoals #livelikenooneelse #financialplanning #creditrepair #success #creditcard #debtfreegoals #credit #saving #financetips #tips #budgets #cash #business #budgettip #personalfinanceforwomen #moneytips #frugallife #onabudget #financialgoals #zerobasedbudget #firecommunity
17 0 10 December, 2019

✌️I really wish people would watermark their photos so credit can go where it's due✌️
.
.
On that note 💎 Positive money move of the day💎
🖤I decided to do the $5 challenge again. We did it for 6 months and it was really cool to see everything add up. Put my first fiver in the jar and in 6 months we will see if we want to make it a full year! I also save any extra change at the end of each week too. 🖤
Day 4/XXX No spend ✔️
.
.
#debtleopard #debtfreecommunity #debtfreejourney #debtsnowball #challenge #savings #budgets #budgettips #budgeting #frugalliving #frugal #frugalfamily #babysteps #babystep2 #daveramsey #moneygoals #money #finance #personalfinances #personalfinance

✌️I really wish people would watermark their photos so credit can go where it's due✌️
.
.
On that note 💎 Positive money move of the day💎
🖤I decided to do the $5 challenge again. We did it for 6 months and it was really cool to see everything add up. Put my first fiver in the jar and in 6 months we will see if we want to make it a full year! I also save any extra change at the end of each week too. 🖤
Day 4/XXX No spend ✔️
.
.
#debtleopard #debtfreecommunity #debtfreejourney #debtsnowball #challenge #savings #budgets #budgettips #budgeting #frugalliving #frugal #frugalfamily #babysteps #babystep2 #daveramsey #moneygoals #money #finance #personalfinances #personalfinance
17 6 10 December, 2019

Who loves these Nordic Christmas envelopes?!

Who loves these Nordic Christmas envelopes?!
10 3 8 December, 2019

Top #budgets posts

Double tap ♥️ if you agree!⠀⠀⠀⠀⠀⠀
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Tag A Friend Who Started A Business 👥⠀⠀⠀⠀⠀⠀
🚨Turn ON Post Notifications 🚨⠀⠀⠀⠀⠀⠀
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For more information 👇 ⠀⠀⠀⠀⠀⠀⠀
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4,948 70 26 September, 2019

Let’s talk about changing your family tree.🌲
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Did you get to hold $10k in cash when you were 8!? 🤔 Yeah, me neither! But my girls live in a different world.
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They live in a world where money means power, not stress. They live in a world where cash-flowed vehicles, boats, and RVs are a reality. They live in a world that their parents worked their asses off to make exist.
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The day we bought our newest boat we stopped by the bank on the way to Houston and casually withdrew $11,000 in cash...$10k of which was in this gorgeous little bundle. I took it out of the envelope and passed it to the backseat. “Y’all wanna hold $10,000?!?” My hands were sweating because this much money in one place is still a little weird for me...but it wasn’t for them. .
The girls didn’t hesitate or feel awkward for a second holding that much cash. You see, they don’t have 30 years of unhealthy money thoughts to work through first...they just hold it and smile.
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Consider this family tree changed. 👊🏼
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#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #planner #minimalist #mindset #asunnysideuplife #samiwomack
#kids #daughters #Instagram #reallife #reality

Let’s talk about changing your family tree.🌲
. . . 
Did you get to hold $10k in cash when you were 8!? 🤔 Yeah, me neither! But my girls live in a different world.
.
They live in a world where money means power, not stress. They live in a world where cash-flowed vehicles, boats, and RVs are a reality. They live in a world that their parents worked their asses off to make exist.
.
The day we bought our newest boat we stopped by the bank on the way to Houston and casually withdrew $11,000 in cash...$10k of which was in this gorgeous little bundle. I took it out of the envelope and passed it to the backseat. “Y’all wanna hold $10,000?!?” My hands were sweating because this much money in one place is still a little weird for me...but it wasn’t for them. .
The girls didn’t hesitate or feel awkward for a second holding that much cash. You see, they don’t have 30 years of unhealthy money thoughts to work through first...they just hold it and smile.
.
Consider this family tree changed. 👊🏼
⁠.
.
.
.
.
⁠
⁠
#debtfreecommunity #daveramsey #womenownedbusiness #smallbusiness #businessowner #podcasting #podcaster #money #budgeting #budgets #personalfinance #finance #debtfree #debt #debtpayoff #goals #goalsetting #planner #minimalist #mindset #asunnysideuplife #samiwomack ⁠
⁠#kids #daughters #Instagram #reallife #reality
379 20 7 hours ago

Can I get an #amen ??

Can I get an #amen ??
2,457 171 23 September, 2019

Setting up my sinking funds list for December! These are all of our sinking funds categories.
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✳️About half of them are bimonthly, quarterly, or annual payments (cost divided by time to save gives us a monthly amount), or general categories that we know we’ll need at some point (car maintenance, etc).
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✳️I total up the amount we contribute each month to sinking funds and transfer it into a separate checking account (altogether). This is how I track which amount goes with which category. When I’m ready to spend, I track in a log and deduct from these balances. I know lots of people do this electronically, but I stay on track much better doing it by hand! Eyeing YNAB 👀 maybe in the new year.
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✳️I have several videos on my YouTube channel about budgeting and sinking funds if you’d like to see more details.
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#Budget #budgets #budgeting #budgetplanning #debtfree #debtfreeliving #debtfreecommunity #debtfreejourney #debtfreeaf #finance #personalfinance #moneymanagement #fire #financialindependence #financialfreedom #jenplansbudgeting

Setting up my sinking funds list for December! These are all of our sinking funds categories.
.
✳️About half of them are bimonthly, quarterly, or annual payments (cost divided by time to save gives us a monthly amount), or general categories that we know we’ll need at some point (car maintenance, etc).
.
✳️I total up the amount we contribute each month to sinking funds and transfer it into a separate checking account (altogether). This is how I track which amount goes with which category. When I’m ready to spend, I track in a log and deduct from these balances. I know lots of people do this electronically, but I stay on track much better doing it by hand! Eyeing YNAB 👀 maybe in the new year.
.
✳️I have several videos on my YouTube channel about budgeting and sinking funds if you’d like to see more details.
.

#Budget #budgets #budgeting #budgetplanning #debtfree #debtfreeliving #debtfreecommunity #debtfreejourney #debtfreeaf #finance #personalfinance #moneymanagement #fire #financialindependence #financialfreedom #jenplansbudgeting
1,156 57 23 November, 2019

Chile, income… I work in the non-profit industry and it’s exactly as it sounds lol. I have worked my way up and made strides in my salary but ultimately, working in non-profit is accepting the fact that you aren’t going to be making as much as you would in the corporate setting. I chose this life cause it’s rewarding.

If you’re struggling with how to manage your income in strides and or are looking for strategies for how to manage your money when you make a low income, check out my latest blog post.










#gettingmylifetogether #savings #financialfreedom #money #debtfreedom #financialgoals #financialsuccess #savingmoney #financialindependence #debtfreecommunity #moneymanagement #moneytips #savemoney #personalfinance #budgets #budget #debtfreeliving #moneytips #budgeting #debtfree #debtfreejourney #creditcards #daveramsey #moneygoals #budgetgoals

Chile, income… I work in the non-profit industry and it’s exactly as it sounds lol. I have worked my way up and made strides in my salary but ultimately, working in non-profit is accepting the fact that you aren’t going to be making as much as you would in the corporate setting. I chose this life cause it’s rewarding.

If you’re struggling with how to manage your income in strides and or are looking for strategies for how to manage your money when you make a low income, check out my latest blog post.
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#gettingmylifetogether #savings #financialfreedom #money #debtfreedom #financialgoals #financialsuccess #savingmoney #financialindependence #debtfreecommunity #moneymanagement #moneytips #savemoney #personalfinance #budgets #budget #debtfreeliving #moneytips #budgeting #debtfree #debtfreejourney #creditcards #daveramsey #moneygoals #budgetgoals
2,091 71 21 November, 2019

Sometimes it’s what you UNlearn that matters most. Do any of these resonate with you? Check out the blog post for full explanations of what I mean with the link in my bio. 👉🏾 @wisewomanwallet
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Shout-out to @bkfuniversity, @empify (@_ashleymfox & @therobboyd) and @financiallituation, who are mentioned in the blog post. 😉
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#personalfinance #moneymyths #budgets #budgeting #investing #credit #creditscore #creditscores #passiveincome #debtfreejourney #debtfreecommunity

Sometimes it’s what you UNlearn that matters most. Do any of these resonate with you? Check out the blog post for full explanations of what I mean with the link in my bio. 👉🏾 @wisewomanwallet
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Shout-out to @bkfuniversity, @empify (@_ashleymfox & @therobboyd) and @financiallituation, who are mentioned in the blog post. 😉
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#personalfinance #moneymyths #budgets #budgeting #investing #credit #creditscore #creditscores #passiveincome #debtfreejourney #debtfreecommunity
1,836 84 18 September, 2019

Erase those negative memories and renew your mind. You have the power to change the way you think about and manage money.

Stop being addicted to struggling just because you grew up that way. Don’t use your parent’s struggles as an excuse as to why you can't get out of debt or stop living paycheck to paycheck.

You can start today, right where you are, and I can help you. Sign up for my FREE, 5-day Kickin’ Debt With Kayla email course today and I'll teach you the tools you need to kickstart your debt-free journey. Link in my bio!

You can do this!
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt

Erase those negative memories and renew your mind. You have the power to change the way you think about and manage money.
•
Stop being addicted to struggling just because you grew up that way. Don’t use your parent’s struggles as an excuse as to why you can't get out of debt or stop living paycheck to paycheck.
•
You can start today, right where you are, and I can help you. Sign up for my FREE, 5-day Kickin’ Debt With Kayla email course today and I'll teach you the tools you need to kickstart your debt-free journey. Link in my bio!
•
You can do this!
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
1,300 25 16 November, 2019

Let's talk budgeting. While budgeting methods vary and it's important to find the method that works best for you, there are also a number of good practices (illustrated in this image) you want to have in place to be successful with your budget each month.⠀
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Are you doing some or all of the best practices highlighted in this image?⠀
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Keep in mind that there's no rule about calling your budget a "budget". Don't like that word? Call it something fun, enjoy the process and pursue progress vs perfection.⠀
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Stop by CleverGirlFinance.com || Take a course, get the mentorship you need, improve your finances!⠀
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#clevergirlfinance #clevergirlsknow #gratitudealways #grateful #contentment #joy #personalfinanceforwomen #successtipsforwomen #Financialtips #financialliteracy #moneytips #goalsetting #successtips #budgetingtips #howotbudget #ilovebudgeting #budgets #budgetswork #successwithbudgeting

Let's talk budgeting. While budgeting methods vary and it's important to find the method that works best for you, there are also a number of good practices (illustrated in this image) you want to have in place to be successful with your budget each month.⠀
.⠀
Are you doing some or all of the best practices highlighted in this image?⠀
.⠀
Keep in mind that there's no rule about calling your budget a "budget". Don't like that word? Call it something fun, enjoy the process and pursue progress vs perfection.⠀
.⠀⠀
Stop by CleverGirlFinance.com || Take a course, get the mentorship you need, improve your finances!⠀
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#clevergirlfinance #clevergirlsknow #gratitudealways #grateful #contentment #joy #personalfinanceforwomen #successtipsforwomen  #Financialtips #financialliteracy #moneytips #goalsetting #successtips #budgetingtips #howotbudget #ilovebudgeting #budgets #budgetswork #successwithbudgeting
1,390 33 21 October, 2019