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I have a confession. When I was in high school, I hated math. Seriously. I despised it. Looking back, I now know it's because my math teachers and I were on opposite ends of the way they taught and they way I learned. I'm not blaming them, I'm just saying it was opposite personality types. Because of that, I thought that math was not one of my strengths.⁠
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Yet, here I am today a financial nerd and personal finance expert. So how did that happen? It took decades, but I finally realized that finances isn't just about the math. It's also about the emotion.⁠
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When that finally clicked, over time, I absolutely fell in love with the math because I knew that I could develop my strengths in both areas of the emotion and mechanics of money to serve the women I'm meant to serve.⁠
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What I discovered is that I actually was really good at math, just not algebra, trig or calculus. I found out I was really good with personal finance and investing.⁠
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My encouragement to you today, is that you probably have hidden strengths or ones you just discovered. Keep working to develop your skills in that area because you never know where it's going to lead. ⁠
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#financialplanning #financialfreedom #financialadvisor #finance #money #retirementplanning #personalfinance #investing #retirement #wealth #lifeinsurance #protection #investment #financialplanner #financialliteracy #goals #budget #savemoney #estateplanning #financialindependence #insurance #savings #moneygoals #debt #debtfreejourney #financialeducation #business #debtfreecommunity #realestate #financialtherapy

I have a confession. When I was in high school, I hated math. Seriously. I despised it. Looking back, I now know it's because my math teachers and I were on opposite ends of the way they taught and they way I learned. I'm not blaming them, I'm just saying it was opposite personality types. Because of that, I thought that math was not one of my strengths.⁠
.⁠
Yet, here I am today a financial nerd and personal finance expert. So how did that happen? It took decades, but I finally realized that finances isn't just about the math. It's also about the emotion.⁠
.⁠
When that finally clicked, over time, I absolutely fell in love with the math because I knew that I could develop my strengths in both areas of the emotion and mechanics of money to serve the women I'm meant to serve.⁠
.⁠
What I discovered is that I actually was really good at math, just not algebra, trig or calculus. I found out I was really good with personal finance and investing.⁠
.⁠
My encouragement to you today, is that you probably have hidden strengths or ones you just discovered. Keep working to develop your skills in that area because you never know where it's going to lead. ⁠
.⁠
.⁠
#financialplanning #financialfreedom #financialadvisor #finance #money #retirementplanning #personalfinance #investing #retirement #wealth #lifeinsurance #protection #investment #financialplanner #financialliteracy #goals #budget #savemoney #estateplanning #financialindependence #insurance #savings #moneygoals #debt #debtfreejourney #financialeducation #business #debtfreecommunity #realestate #financialtherapy
1 0 1 minute ago

When it comes to retirement or long-term savings goals, because of inflation, it’s just about impossible to simply save enough money to reach your goal.
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By investing in stocks, bonds, real estate, or other investments that achieve higher rates of returns than simple savings accounts, you can take advantage of compound interest.
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Compound interest is powerful because it allows you to make interest on interest.
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Check out this compound interest calculator 👉LINK in BIO👈 to determine your projected total! 💵

When it comes to retirement or long-term savings goals, because of inflation, it’s just about impossible to simply save enough money to reach your goal.
.
By investing in stocks, bonds, real estate, or other investments that achieve higher rates of returns than simple savings accounts, you can take advantage of compound interest.
.
Compound interest is powerful because it allows you to make interest on interest.
.
Check out this compound interest calculator 👉LINK in BIO👈 to determine your projected total! 💵
0 1 2 minutes ago

Time to refill my envelopes for the month! My fun envelope isn’t posted but that also got filled. I get paid twice per month not every two weeks so this envelope money is actually from my paycheck 2 weeks ago. I’ll have to survive another week prior to getting paid again. That’s ok though because I know where each and every dollar is going, and the rest of my December bills aren’t due until mid month. The rest of my Christmas shopping will be done with my next paycheck too. Still struggling to figure out a budget or the cash envelope system? My Net Worth Journal is available on amazon and can walk you through. Link in bio. #debtfreecommunity #debtfreejourney #daveramseybabysteps #daveramsey #debtsnowball #cashenvelopes #cashenvelopesystem #cashmoney #cashisking #networth

Time to refill my envelopes for the month! My fun envelope isn’t posted but that also got filled. I get paid twice per month not every two weeks so this envelope money is actually from my paycheck 2 weeks ago. I’ll have to survive another week prior to getting paid again. That’s ok though because I know where each and every dollar is going, and the rest of my December bills aren’t due until mid month. The rest of my Christmas shopping will be done with my next paycheck too. Still struggling to figure out a budget or the cash envelope system? My Net Worth Journal is available on amazon and can walk you through. Link in bio. #debtfreecommunity #debtfreejourney #daveramseybabysteps #daveramsey #debtsnowball #cashenvelopes #cashenvelopesystem #cashmoney #cashisking #networth
5 0 17 minutes ago

Pulling in ideas for the Christmas break...and our possible house move! .
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#debtfreecommunity #debtfreejourney #ozdebtfreecommunity

Pulling in ideas for the Christmas break...and our possible house move! .
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#debtfreecommunity #debtfreejourney #ozdebtfreecommunity
1 0 36 minutes ago

Day 5- let go of people who don’t support your financial goals & desires. .
🗣 people will distract you from achieving more simply so your not in a better financial position than them.
Don’t be fooled by the let’s hang out, you never wanna do this, you acting funny now conversations. .
Supportive people understand your priorities changed and you’re moving different. They offer nothing but encouragement & understanding. Unsupportive people make you feel bad for changing & wanting more. .
Check your people & check yourself. Don’t allow anyone or anything distract you from the end goal: wealth. .
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#Tashaware #tashatheory #financiallifecoach #moneymindset #millenialmoney #financialpeace #debtfreecommunity #buildingblackwealth #bossladymindset #girlceo #moneytalks #girlholdmyhand #financialpeace #empowerher #manifestyourdreams #knowyourworth #speaklife #speakitintoexistence #moneygoals #lettinggoin2019 #praythroughtheprocess #moneygoalsfor2020 #abundancenow

Day 5- let go of people who don’t support your financial goals & desires. .
🗣 people will distract you from achieving more simply so your not in a better financial position than them. 
Don’t be fooled by the let’s hang out, you never wanna do this, you acting funny now conversations. .
Supportive people understand your priorities changed and you’re moving different. They offer nothing but encouragement & understanding. Unsupportive people make you feel bad for changing & wanting more. .
Check your people & check yourself. Don’t allow anyone or anything distract you from the end goal: wealth. .
.
.
. .

#Tashaware#tashatheory #financiallifecoach #moneymindset #millenialmoney #financialpeace #debtfreecommunity #buildingblackwealth #bossladymindset #girlceo #moneytalks #girlholdmyhand #financialpeace #empowerher #manifestyourdreams #knowyourworth #speaklife #speakitintoexistence #moneygoals #lettinggoin2019 #praythroughtheprocess #moneygoalsfor2020  #abundancenow
44 0 36 minutes ago

#MoneySavingSaturday
I LOVE traveling to conferences for personal and professional development. Here is a pro tip on how I was able to take this trip to Washington, DC on the cheap.
Connect with me to learn more money-saving and money-making strategies
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#healthandwealth #wealth #healthandwealthcoach #healthcoach #wealthcoach #moneymatters #personalfinance #success #richmindset #lifestyle #power #money #finance #invest #investinyourself #business #motivation #wordsofwisdom #doitforyou #bethebestyou #debtfreecommunity #financialfreedom #debtfreejourney #budget #personalfinance #financialliteracy #superwomanselfcare #volunteer #helpinghands

#MoneySavingSaturday
I LOVE traveling to conferences for personal and professional development. Here is a pro tip on how I was able to take this trip to Washington, DC on the cheap. 
Connect with me to learn more money-saving and money-making strategies
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#healthandwealth #wealth #healthandwealthcoach #healthcoach #wealthcoach #moneymatters #personalfinance #success #richmindset #lifestyle #power #money #finance #invest #investinyourself #business #motivation #wordsofwisdom #doitforyou #bethebestyou #debtfreecommunity #financialfreedom #debtfreejourney #budget #personalfinance #financialliteracy #superwomanselfcare #volunteer #helpinghands
6 0 36 minutes ago

So yesterday was payday so all debt payments for the month of December were sent out! That means I know the final amount sent to debt this month which is $1,960.22. 🥳🥳🥳 Yeah Baby!💃🏻💃🏻💃🏻💃🏻 This year’s Debt payments are all done and looking at them like this on a completed calendar is so satisfying. I’m soooooo proud of what I’ve achieved. A year ago I would have never thought I could do this. But omg I’m doing it! Bring on 2020!
#debtfreecommunity #creditcard #autoloan #studentloans #debtisdumb #babystep2 #financialfreedom #kimberlyrhea #mentalillness #bipolardisorder #mentalillnessawareness #beintentional #budgeting #momdiaries #bipolar #mom #chasingfreedom #goals #debtsnowball #2023 #passionfordebtfreelife #debtfreejourney #debtsnowball

So yesterday was payday so all debt payments for the month of December were sent out! That means I know the final amount sent to debt this month which is $1,960.22. 🥳🥳🥳 Yeah Baby!💃🏻💃🏻💃🏻💃🏻 This year’s Debt payments are all done and looking at them like this on a completed calendar is so satisfying. I’m soooooo proud of what I’ve achieved. A year ago I would have never thought I could do this. But omg I’m doing it! Bring on 2020! 
#debtfreecommunity #creditcard #autoloan #studentloans #debtisdumb #babystep2 #financialfreedom #kimberlyrhea #mentalillness #bipolardisorder #mentalillnessawareness #beintentional #budgeting #momdiaries #bipolar #mom #chasingfreedom #goals #debtsnowball #2023 #passionfordebtfreelife #debtfreejourney #debtsnowball
3 0 42 minutes ago

Ok so this one is frustrating but good at the same time. Went into a cupboard this morning to find loaf cases for making a chocolate cake and found this stuffed in the bottom!!! .
I know exactly where these coins have come from. My husbands emptied his piggy bank of £1 coins and left what he calls the ‘shrapnel’ to one side.
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I’m going to go and get coin bags from the post office and bag it all up and it can go towards something for Christmas.🎄
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Just shows how we all have different attitudes to money. This year I’ve really focused on the little amounts as they’ve added up massively over the year and I’ll continue to do so. OH thinks differently. Wonder how much is in there?🤔💖
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#mummysavingshopper #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #savingmoney #fabulousfrugalfinance #savingmoneyuk #uksavingmoney #frugalliving #frugal #frugallife #frugalmeals #nospenddays #nospendmonth #gazelleintense #daveramsey #babysteps #moneysaving #debtfree #debtfreeliving #debtfreedom #sinkingfunds #budget #budgeting #minimalism #livewellforless #sidehustle

Ok so this one is frustrating but good at the same time. Went into a cupboard this morning to find loaf cases for making a chocolate cake and found this stuffed in the bottom!!! .
I know exactly where these coins have come from. My husbands emptied his piggy bank of £1 coins and left what he calls the ‘shrapnel’ to one side.
.
I’m going to go and get coin bags from the post office and bag it all up and it can go towards something for Christmas.🎄
.
Just shows how we all have different attitudes to money. This year I’ve really focused on the little amounts as they’ve added up massively over the year and I’ll continue to do so. OH thinks differently. Wonder how much is in there?🤔💖
.

#mummysavingshopper #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #savingmoney #fabulousfrugalfinance #savingmoneyuk #uksavingmoney #frugalliving #frugal #frugallife #frugalmeals #nospenddays #nospendmonth #gazelleintense #daveramsey #babysteps #moneysaving #debtfree #debtfreeliving #debtfreedom #sinkingfunds #budget #budgeting #minimalism #livewellforless #sidehustle
10 1 42 minutes ago

I cannot stand the sight of stuff, I pretty much have nothing left to sell, but here I am scraping the barrel because I still feel like there’s so much clutter everywhere (there isn’t) the rooms are practically bare so later on today I’m going to do one last rummage and see if I can part with anything else to make everything seem a little more clear 😂 #ukdebtfreecommunity #ukdebtfreejourney #singledebtfreejourney #singledebtfreecommunity #debtfreecommunity #debtfreejourney

I cannot stand the sight of stuff, I pretty much have nothing left to sell, but here I am scraping the barrel because I still feel like there’s so much clutter everywhere (there isn’t) the rooms are practically bare so later on today I’m going to do one last rummage and see if I can part with anything else to make everything seem a little more clear 😂 #ukdebtfreecommunity #ukdebtfreejourney #singledebtfreejourney #singledebtfreecommunity #debtfreecommunity #debtfreejourney
8 0 43 minutes ago

Today is the Christmas market at @drottningholmpalece.se .

The snow had melted so it’s not as picturesque but still great!

Since the palace is within Stockholm county the SL metro card works for it! If you buy a period card, and you will be using the metro, buses, ferries, etc. a lot. Then these trips become nearly free.

In addition, there is no entrance fee for the market or the grounds.

So, if you do not buy anything then it is a free day.
Some people have asked me if I know of any tours for when they decide to visit Stockholm. Just let me know if you want the links, I’ve also done them for little groups spread by word-of-mouth.

#debtfreecommunity #firecommunity #firemovement #debtfreejourney #stockholm #sweden #travel #explore #christmas #christmasmarket #nospend #nospendday #nospendchallenge #julmarknad #sverige

Today is the Christmas market at @drottningholmpalece.se .

The snow had melted so it’s not as picturesque but still great!

Since the palace is within Stockholm county the SL metro card works for it! If you buy a period card, and you will be using the metro, buses, ferries, etc. a lot. Then these trips become nearly free.

In addition, there is no entrance fee for the market or the grounds.

So, if you do not buy anything then it is a free day. 
Some people have asked me if I know of any tours for when they decide to visit Stockholm. Just let me know if you want the links, I’ve also done them for little groups spread by word-of-mouth.

#debtfreecommunity #firecommunity #firemovement #debtfreejourney #stockholm #sweden #travel #explore #christmas #christmasmarket #nospend #nospendday #nospendchallenge #julmarknad #sverige
2 0 44 minutes ago

There's still a whetherspoons breakfast pending which will be a fiver. Dress was borrowed from my sister and I used the makeup items I already have. #firsttimebuyer #savings #house #budget #money #firsttimebuyers #abundance #financialfreedom #
#millenial #positive #payday #htbisa #debtfreecommunity #frugal #housedeposit #frugalliving #ukdebtfreecommunity #cashenvelopesystem #daveramsey #mortgage

There's still a whetherspoons breakfast pending which will be a fiver. Dress was borrowed from my sister and I used the makeup items I already have. #firsttimebuyer #savings #house #budget #money #firsttimebuyers #abundance #financialfreedom #
#millenial #positive #payday #htbisa #debtfreecommunity #frugal #housedeposit #frugalliving #ukdebtfreecommunity #cashenvelopesystem #daveramsey  #mortgage
4 0 45 minutes ago

CHALLENGE DAY 7: Go through you house and Declutter some gifts to donate.🙏
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The holidays are a great period when you have great food and gifts to look forward to. 🎁
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But sadly not everyone is this fortunate.
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Today I want to ask you to do a nice thing for those people that struggle over the holidays.
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Go through your home and find toys, Christmas decorations or other suitable items to donate to a local charity or thrift shop.🎄
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This way those with smaller budgets than yours will be able to have a great Christmas too!
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I'm currently going through our Christmas decorations to find some items to donate.✨
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What will you donate today?✨
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#intentionalmillennial #financetips #smartmoney #financialfitness #debtfreejourney #debtfreecommunity #financialgoals #moneymatters #financeblogger #financefriday #womeninfinance #financiallystable #financialcoach #financialadvisor #moneycoach #ilooklikeaninvestor #financialinspiration #moneymanagement #financialindependence #moneymindset #millennialmoney #moneysavingtips #moneyhabits #twentysomething #thritysomething #financialgoals #achieveyourgoals #purposedriven #takecontrolofyourlife #believeinyou

CHALLENGE DAY 7: Go through you house and Declutter some gifts to donate.🙏
.
The holidays are a great period when you have great food and gifts to look forward to. 🎁
.
But sadly not everyone is this fortunate.
.
Today I want to ask you to do a nice thing for those people that struggle over the holidays.
.
Go through your home and find toys, Christmas decorations or other suitable items to donate to a local charity or thrift shop.🎄
.
This way those with smaller budgets than yours will be able to have a great Christmas too!
.
I'm currently going through our Christmas decorations to find some items to donate.✨
.
What will you donate today?✨
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#intentionalmillennial #financetips#smartmoney #financialfitness #debtfreejourney #debtfreecommunity #financialgoals #moneymatters #financeblogger #financefriday #womeninfinance #financiallystable #financialcoach #financialadvisor #moneycoach #ilooklikeaninvestor  #financialinspiration #moneymanagement #financialindependence #moneymindset #millennialmoney #moneysavingtips #moneyhabits #twentysomething #thritysomething #financialgoals #achieveyourgoals #purposedriven #takecontrolofyourlife #believeinyou
1 0 48 minutes ago

What are you doing this weekend instead of spending money? It can be free activities or using things you have already paid for or have at home, just don't spend any new money. Here are 3 things I'm doing this weekend:
1️⃣ Play with my kids.
2️⃣ Read (library books for the win!).
3️⃣ Go to the gym and lift. I always go to the gym on saturday and sunday morning.
#debtfreejourney #debtfree #livewithless #morewithless #savemoney #debtfreecommunity #debtfreedreams #liveonabudget #livebeneathyourmeans #lessismore #livelikenooneelse #debtfreedom #cash #budgeting #debtfreeliving #cashenvelopes #frugal #frugalliving #savemoney #cashenvelope #moneyenvelope #cash #cashenvelopesystem #cashisking #paycash #minimalism #financialfreedom #financialplanning #financialpeace #financialhealth #daveramsey

What are you doing this weekend instead of spending money? It can be free activities or using things you have already paid for or have at home, just don't spend any new money. Here are 3 things I'm doing this weekend:
1️⃣ Play with my kids.
2️⃣ Read (library books for the win!).
3️⃣ Go to the gym and lift. I always go to the gym on saturday and sunday morning.
#debtfreejourney #debtfree #livewithless #morewithless #savemoney #debtfreecommunity #debtfreedreams #liveonabudget #livebeneathyourmeans #lessismore #livelikenooneelse #debtfreedom #cash #budgeting #debtfreeliving #cashenvelopes #frugal #frugalliving #savemoney #cashenvelope #moneyenvelope #cash #cashenvelopesystem #cashisking #paycash #minimalism #financialfreedom #financialplanning #financialpeace #financialhealth #daveramsey
20 3 53 minutes ago

I had some plastic surgery this morning 😁
One of the credit cards had expired so they sent out a new card 😂 snip snip snip so I’m not tempted to use it 💪
If you want to give up spending on credit cards 💳 cut them up so your not tempted 😁

I had some plastic surgery this morning 😁 
One of the credit cards had expired so they sent out a new card 😂 snip snip snip so I’m not tempted to use it 💪 
If you want to give up spending on credit cards 💳 cut them up so your not tempted 😁
18 2 59 minutes ago

Hi everyone 💞 this is my husband and I on the Goldie for his work Christmas party. I just wanted to quickly jump in and say thank you for all the support you have shown since I launched the diaries! I am waiting on some more to be finished, and they will be up on the website.
Also coming your way will be interviews with your fave IG people and experts giving advice.
Now - one thing I would love to do next year is a podcast. Interviewing experts on their area of expertise - is this something you would listen to?
And an even crazier thought that may be next year, or possibly 2021 - Her Money Diary events 😆 <- that’s how excited I am about that one! No idea what that would entail at this stage, but running finance events is something I’d love to do!
Have a good weekend all 😊

Hi everyone 💞 this is my husband and I on the Goldie for his work Christmas party. I just wanted to quickly jump in and say thank you for all the support you have shown since I launched the diaries! I am waiting on some more to be finished, and they will be up on the website. 
Also coming your way will be interviews with your fave IG people and experts giving advice. 
Now - one thing I would love to do next year is a podcast. Interviewing experts on their area of expertise - is this something you would listen to?
And an even crazier thought that may be next year, or possibly 2021 - Her Money Diary events 😆 <- that’s how excited I am about that one! No idea what that would entail at this stage, but running finance events is something I’d love to do!
Have a good weekend all 😊
5 1 1 hour ago

So this morning I can across @tidylifetidymind and they inspired me so so so much! 💷 I have set up some sinking funds to start using! Hopefully this will help me to be better with my money! 💷 #debttohomeowners #debt #payingoffdebt #lifewithdebt #debtfreecommunity #debtfreecommunityuk #debtfreeplan #ukdebtfree #ukbudgeting #financialbudgetinguk #mydebtfreejourney #mydebtstory

So this morning I can across @tidylifetidymind and they inspired me so so so much! 💷 I have set up some sinking funds to start using! Hopefully this will help me to be better with my money! 💷 #debttohomeowners #debt #payingoffdebt #lifewithdebt #debtfreecommunity #debtfreecommunityuk #debtfreeplan #ukdebtfree #ukbudgeting #financialbudgetinguk #mydebtfreejourney #mydebtstory
3 0 1 hour ago

True dat..

True dat..
3 1 1 hour ago

Today is the day to launch your impossible! We’re hiring motivated individuals who want to own their own business with unlimited income potential. Part time and full time positions available. Link in bio for details.
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#mindset #leadership #insurance #lifeinsurance #positivity #inspiration #smallbusiness #sales #bizdev #selfimprovement #selfdevelopment #mindfulness #growth
#smallbusiness #entrepreneur #entrepreneurship #serviceability #b2b #finance #lending #mortgage #debtfreecommunity #debtfreejourney #mindsetminute #hustle #success #hiring #jobs #job #career #businessowner

Today is the day to launch your impossible! We’re hiring motivated individuals who want to own their own business with unlimited income potential. Part time and full time positions available. Link in bio for details.
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#mindset #leadership #insurance #lifeinsurance #positivity #inspiration #smallbusiness #sales #bizdev #selfimprovement #selfdevelopment #mindfulness #growth 
#smallbusiness #entrepreneur #entrepreneurship #serviceability #b2b #finance #lending #mortgage #debtfreecommunity #debtfreejourney #mindsetminute #hustle #success #hiring #jobs #job #career #businessowner
3 0 1 hour ago

Karma gives people access to their salary ahead of their paycheck to pay for your essentials – at absolutely zero cost to anyone!

https://getkarma.co.uk/

#debt #financialcrisis #interestrates #zerointerest #salary #basicneeds #karma #money #debtfreecommunity

Karma gives people access to their salary ahead of their paycheck to pay for your essentials – at absolutely zero cost to anyone!

https://getkarma.co.uk/

#debt #financialcrisis #interestrates #zerointerest #salary #basicneeds #karma #money #debtfreecommunity
2 0 1 hour ago

#Moneytalks No matter how much you earn, if you don't know how to manage money, you are likely to live hand to mouth, pay cheque to pay cheque.

Being married to a man who does not believe in (bad) debt, I had to learn the fundamental rules of living within my means. To do this you must have sight of your income and your outgoings, I have to say, this was the cause of many arguments but that is a whole separate post in itself 😏, especially when you have joint assets, transparency is key. Write it down in a book or create an excel spreadsheet. You'll be surprised what how much you spend on nonessential items, which could be put away into a savings account... #moneymatters #financialliteracy #financialfreedom #assetsoverliabilities #debtfreecommunity

#Moneytalks  No matter how much you earn,  if you don't know how to manage money, you are likely to live hand to mouth, pay cheque to pay cheque.

Being married to a man who does not believe in (bad) debt, I had to learn the fundamental rules of living within my means. To do this you must have sight of your income and your outgoings, I have to say, this was the cause of many arguments but that is a whole separate post in itself 😏, especially when you have joint assets, transparency is key. Write it down in a book or create an excel spreadsheet.  You'll be surprised what how much you spend on nonessential items, which could be put away into a savings account... #moneymatters #financialliteracy #financialfreedom #assetsoverliabilities #debtfreecommunity
6 1 1 hour ago

Back in April of this year I decided I was going to try and save/side hustle £2000 to buy and renovate a cheap caravan so that my wife Steph and I could take some amazing affordable adventures with the doggo. I've side hustled and saved all sorts of ways and managed to get the fund to £1000! But, as exicing as that is, it also comes with a change of direction. Going in to it I though a caravan would be ideal because it was a £2000 outlay and that after that our holidays could be super cheap just needing camp ground costs but as we have done more research into the additional costs we have realised we don't think a caravan is right for us at the moment. We don't have a driveway big enough to store a caravan, meaning we would need to use a caravan storage facility. The cheapest we found one of these locally was £360 a year, but others came in much more at over £550 a year and they were all full. In addition we would have needed insurance to have a caravan at one of their sites which adds another monthly or annual cost on, plus we would have needed to buy a bigger car to tow one, paid for a tow bar to be fitted and so on. We quickly realised that our cheap holiday caravan wouldn't be as cheap as we would need to make it worthwhile for us right now. I still love the idea of doing this project one day when we have a bigger driveway to store a caravan and when we have kids so we can get full use out of owning one. So what to do with the £1000 I've saved up for it? That savings pot has been changed into a travel fund to be used towards our trips in 2020 or towards a big trip to Japan in 2021! I've also started diverting savings and side hustle money into three other funds - one is to buy my first car (which I don't plan to do for over a year after I pass my test but starting early makes it much less overwhelming to save for) one is our forever home fund and one is for a baby fund. All those things are all on my next 2 - 4 year plan so I will be saving towards all of them simultaneously. The few things I had bought for the caravan we will use in our home instead so nothing will go unused which is handy. And with that, onto the next savings challenge!

Back in April of this year I decided I was going to try and save/side hustle £2000 to buy and renovate a cheap caravan so that my wife Steph and I could take some amazing affordable adventures with the doggo. I've side hustled and saved all sorts of ways and managed to get the fund to £1000! But, as exicing as that is, it also comes with a change of direction. Going in to it I though a caravan would be ideal because it was a £2000 outlay and that after that our holidays could be super cheap just needing camp ground costs but as we have done more research into the additional costs we have realised we don't think a caravan is right for us at the moment. We don't have a driveway big enough to store a caravan, meaning we would need to use a caravan storage facility. The cheapest we found one of these locally was £360 a year, but others came in much more at over £550 a year and they were all full. In addition we would have needed insurance to have a caravan at one of their sites which adds another monthly or annual cost on, plus we would have needed to buy a bigger car to tow one, paid for a tow bar to be fitted and so on. We quickly realised that our cheap holiday caravan wouldn't be as cheap as we would need to make it worthwhile for us right now. I still love the idea of doing this project one day when we have a bigger driveway to store a caravan and when we have kids so we can get full use out of owning one. So what to do with the £1000 I've saved up for it? That savings pot has been changed into a travel fund to be used towards our trips in 2020 or towards a big trip to Japan in 2021! I've also started diverting savings and side hustle money into three other funds - one is to buy my first car (which I don't plan to do for over a year after I pass my test but starting early makes it much less overwhelming to save for) one is our forever home fund and one is for a baby fund. All those things are all on my next 2 - 4 year plan so I will be saving towards all of them simultaneously. The few things I had bought for the caravan we will use in our home instead so nothing will go unused which is handy. And with that, onto the next savings challenge!
25 3 1 hour ago

They were giving away loads of sweets on my campus this week. I took twos of little bits and I'm going to give them to my Dad for my little sisters stockings

#everypenneycounts #debtfreecommunity #debtfree #debtfreechristmas #stockingfillers #stockingstuffers #freebies #freestuff #freesweets #freegoodies #moneymakingapps #moneysaving #moneysavingireland #brokestudent

They were giving away loads of sweets on my campus this week. I took twos of little bits and I'm going to give them to my Dad for my little sisters stockings

#everypenneycounts #debtfreecommunity #debtfree #debtfreechristmas #stockingfillers #stockingstuffers #freebies #freestuff #freesweets #freegoodies #moneymakingapps #moneysaving #moneysavingireland #brokestudent
6 0 1 hour ago

Attitude & mindset plays such an important part in what you can achieve in all aspects of life. If you believe something is impossible you will never achieve it. However if you are determined to reach a goal and have a plan for how you are going to achieve it & you never give up no matter how hard things get, you will smash your goals every time, even if it takes longer than you thought. Never give up or your dreams. Slow progress is still progress, keep going.

#mindset #mindsetmatters #mindsetmattersmost #achieveyourgoals #achieveyourgoal #determination #attitude #nevergiveup #nevergiveuponyourdreams #slowprogressisstillprogress #progressnotperfection #financialindependence #debtfreecommunity #minimalism #minimalist #theminimalists #livemorewithless #goalsetting

Attitude & mindset plays such an important part in what you can achieve in all aspects of life. If you believe something is impossible you will never achieve it. However if you are determined to reach a goal and have a plan for how you are going to achieve it & you never give up no matter how hard things get, you will smash your goals every time, even if it takes longer than you thought. Never give up or your dreams. Slow progress is still progress, keep going.
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#mindset #mindsetmatters #mindsetmattersmost #achieveyourgoals #achieveyourgoal #determination #attitude #nevergiveup #nevergiveuponyourdreams #slowprogressisstillprogress #progressnotperfection #financialindependence #debtfreecommunity #minimalism #minimalist #theminimalists #livemorewithless #goalsetting
10 0 1 hour ago

If you’ve been following for awhile, you know that in 2019 I went from aggressive debt payoff to aggressive savings. So much so I opened a ROTH IRA outside of my employer Roth 401k. I’m proud to report that today I made the last transfer to max out my contributions. A first for me. ****************************************************
When I wasn’t paying debt for 5 months this year, I STILL SAVED. What works for me is to make saving a living expense in my monthly budget.
This includes sinking funds, emergency fund, HSA and retirement accounts or whatever you use. ****************************************************
Purposely choosing to save and not spend isn’t my natural habit so it deserves to be celebrated. #debtfreecommunity Are y’all still saving? **************************************************** #singledebtfreecommunity #debtfreejourney

If you’ve been following for awhile, you know that in 2019 I went from aggressive debt payoff to aggressive savings.  So much so I opened a ROTH IRA outside of my employer Roth 401k.  I’m proud to report that today I made the last transfer to max out my contributions.  A first for me. ****************************************************
When I wasn’t paying debt for 5 months this year, I STILL SAVED.  What works for me is to make saving a living expense in my monthly budget. 
This includes sinking funds, emergency fund, HSA and retirement accounts or whatever you use. ****************************************************
Purposely choosing to save and not spend isn’t my natural habit so it deserves to be celebrated. #debtfreecommunity  Are y’all still saving? **************************************************** #singledebtfreecommunity #debtfreejourney
19 1 1 hour ago

So this grid well and truly ruined our night last night 👎

I was doing about 35 when I saw half of the lid to this grid stuck up in the road, moved as far as I could to avoid it but with oncoming traffic just didn’t have any other option but to hit it. BOOM! 💥

With very little control of the car and THE LOUDEST NOISES EVER coming from her I managed to find a side street and pull up. 5 and a half months pregnant, toddler shouting in the back 😰

Thankfully, we were all okay. My front passenger tyre was burst and I called my husband in tears, and then my dad to come and pick our son up. He brought us thick coats and took our son home 💗

It took my husband about 15 minutes to get there which was impressive 🏎 He called the call out cover that we purchase each year with our insurance and they put us on high priority. When the RAC guy arrived there was nothing he could do (he thought he had the part but he didn’t) but he did call a local tyre guy who came out and put a brand new tyre on for me for £105 💸

I called my husband at ten to four and we got home, driving very slowly in our respective cars, at about half past eight so it was a long night and obviously another night where my husband hasn’t got as much done on the house as he would like. As a whole our family has decided that until I give birth I shouldn’t be doing any long journeys - just because it increases the chances of things like this happening. We are going to try and get remuneration from the council as the cone was abandoned further down the road in a load of bushes 👎

It was a scary night and made me really glad I have such a big, safe car as someone could have easily hit me when the car wasn’t easily controllable 😭

Knowing we had an emergency fund in place made this so much less stressful. The big stress was that it had been scary - not how we were going to pay for it. If you save money, money will save you 👍

#emergencyfund #murphyslaw #savings #carfund #car #debtfree #debtfreeuk #ukdebtfree #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity

So this grid well and truly ruined our night last night 👎

I was doing about 35 when I saw half of the lid to this grid stuck up in the road, moved as far as I could to avoid it but with oncoming traffic just didn’t have any other option but to hit it. BOOM! 💥

With very little control of the car and THE LOUDEST NOISES EVER coming from her I managed to find a side street and pull up. 5 and a half months pregnant, toddler shouting in the back 😰

Thankfully, we were all okay. My front passenger tyre was burst and I called my husband in tears, and then my dad to come and pick our son up. He brought us thick coats and took our son home 💗

It took my husband about 15 minutes to get there which was impressive 🏎 He called the call out cover that we purchase each year with our insurance and they put us on high priority. When the RAC guy arrived there was nothing he could do (he thought he had the part but he didn’t) but he did call a local tyre guy who came out and put a brand new tyre on for me for £105 💸

I called my husband at ten to four and we got home, driving very slowly in our respective cars, at about half past eight so it was a long night and obviously another night where my husband hasn’t got as much done on the house as he would like. As a whole our family has decided that until I give birth I shouldn’t be doing any long journeys - just because it increases the chances of things like this happening. We are going to try and get remuneration from the council as the cone was abandoned further down the road in a load of bushes 👎

It was a scary night and made me really glad I have such a big, safe car as someone could have easily hit me when the car wasn’t easily controllable 😭

Knowing we had an emergency fund in place made this so much less stressful. The big stress was that it had been scary - not how we were going to pay for it. If you save money, money will save you 👍

#emergencyfund #murphyslaw #savings #carfund #car #debtfree #debtfreeuk #ukdebtfree #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity
9 1 1 hour ago

My 3 year old son packed my lunch last night. It consists of 1 apple 3 marshmallows and 2 chopped carrot ends. I asked him why he packed my lunch and he simply said 'so you don't have to". 💗
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#parendhood #dadlife #bestdaddy #father #familytime #debtfree #bestdad #debtfreedom #debt #debtsnowball #debtfreejourney #parentlife #debtfreecommunity

My 3 year old son packed my lunch last night.  It consists of 1 apple 3 marshmallows and 2 chopped carrot ends.  I asked him why he packed my lunch and he simply said 'so you don't have to". 💗
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#parendhood #dadlife #bestdaddy #father  #familytime #debtfree #bestdad #debtfreedom #debt #debtsnowball #debtfreejourney #parentlife #debtfreecommunity
11 2 1 hour ago

This was us guys. Over £400 in minimum repayments every month. £400! 4 credits cards and 1 BIG bank loan. We had borrowed so much money it was putting a huge financial strain on our family. Borrowing money always thinking it would help and bring relief. Which it never did. We became experts of the credit card interest free period for balance transfers and move money about to “make it work”. But in the end we realised we didn’t want debt to be in our future. We were struggle. Soon after we came across @daveramsey and started following the baby steps. We took control of our finances and slowly but sure the debt reduced as we were diligent to manage our money. Now we manage our money not our debts.
So if you’re in the midst of clearing debt don’t give up. Keep going. Your closer than you think! ❤️❤️❤️
Where are you in your debt free journey? 💷💷💷💷💷💷💷
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#ukreseller #sellingonebay #sellingforaliving #resellerlife #reselleruk #resellercommunity #ukreseller #ukreselling #ukresellercommunity #ebayseller #ebayreseller
#debtfree #debtfreecommunity #babysteps #starkhustle #daveramsey m #sahm #sidehustle #babystep3 #ukdebtfree #ukdebtfreecommunity #ukdebtfreejourney

This was us guys. Over £400 in minimum repayments every month. £400! 4 credits cards and 1 BIG bank loan. We had borrowed so much money it was putting a huge financial strain on our family. Borrowing money always thinking it would help and bring relief. Which it never did. We became experts of the credit card interest free period for balance transfers and move money about to “make it work”. But in the end we realised we didn’t want debt to be in our future. We were struggle. Soon after we came across @daveramsey and started following the baby steps. We took control of our finances and slowly but sure the debt reduced as we were diligent to manage our money. Now we manage our money not our debts. 
So if you’re in the midst of clearing debt don’t give up. Keep going. Your closer than you think! ❤️❤️❤️
Where are you in your debt free journey? 💷💷💷💷💷💷💷
...
..
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#ukreseller  #sellingonebay  #sellingforaliving  #resellerlife  #reselleruk #resellercommunity #ukreseller #ukreselling #ukresellercommunity #ebayseller #ebayreseller
#debtfree #debtfreecommunity #babysteps #starkhustle #daveramsey m #sahm #sidehustle #babystep3 #ukdebtfree #ukdebtfreecommunity #ukdebtfreejourney
6 1 1 hour ago

With vouchers obviously!!! I dont buy for many people since having Toby. I'm also very aware that im the skint one in all my circles so nobody really expects me to 😂 (Probably shouldn't have publicised the DFJ and cashed in on everyone thinking im broke for years to come 😄). Every so often we earn Love2Shop vouchers at work which i mainly save up and use for Tobys birthday and Christmas. This year, he's asked for relatively inexpensive presents and im ever so grateful. We also do a secret santa at work, the budget is £10 and i bloody love trying to find a gift without breaking a budget. I've been able to use vouchers for that too this year 😎 I always buy presents for other people that i would want for myself... or really messy ones for other peoples kids because i've had 9 years of people doing that to me. 😂😁 I'm not buying any Christmas dinner things this year, Dad asked me to last year and went and did it all himself anyway so we had double... some of its still in the freezer i expect so i won't bother this year. 😂 So saving money there. I think ive got about £215 in vouchers left, plus some odds and ends for various different shops. I've started shopping for Toby and unfortunately he's hard to fob off now hes nearly 9 so he's seen me buy or hide them all 😂 Christmas magic is zero this year ❄ I'm hoping next year to put away some money for Christmas earlier on in the year... im wondering how everyone else manages Christmas financially?? Xx #debtfree #debtfreecommunity #financialfreedom #debtfreejourney #money #budgeting #budget #creditrepair #daveramsey #debt #finance #credit #creditscore #studentloans #personalfinance #goals #babystep #badcredit #debtfreedom #creditrestoration #daveramseybabysteps #frugal #debtisdumb #frugalliving #debtfreeliving #mortgage #debtsnowball #realestate #entrepreneur #bhfyp

With vouchers obviously!!! I dont buy for many people since having Toby. I'm also very aware that im the skint one in all my circles so nobody really expects me to 😂 (Probably shouldn't have publicised the DFJ and cashed in on everyone thinking im broke for years to come 😄). Every so often we earn Love2Shop vouchers at work which i mainly save up and use for Tobys birthday and Christmas. This year, he's asked for relatively inexpensive presents and im ever so grateful. We also do a secret santa at work, the budget is £10 and i bloody love trying to find a gift without breaking a budget. I've been able to use vouchers for that too this year 😎 I always buy presents for other people that i would want for myself... or really messy ones for other peoples kids because i've had 9 years of people doing that to me. 😂😁 I'm not buying any Christmas dinner things this year, Dad asked me to last year and went and did it all himself anyway so we had double... some of its still in the freezer i expect so i won't bother this year. 😂 So saving money there. I think ive got about £215 in vouchers left, plus some odds and ends for various different shops. I've started shopping for Toby and unfortunately he's hard to fob off now hes nearly 9 so he's seen me buy or hide them all 😂 Christmas magic is zero this year ❄ I'm hoping next year to put away some money for Christmas earlier on in the year... im wondering how everyone else manages Christmas financially?? Xx #debtfree #debtfreecommunity #financialfreedom #debtfreejourney #money #budgeting #budget #creditrepair #daveramsey #debt #finance #credit #creditscore #studentloans #personalfinance #goals #babystep #badcredit #debtfreedom #creditrestoration #daveramseybabysteps #frugal #debtisdumb #frugalliving #debtfreeliving #mortgage #debtsnowball #realestate #entrepreneur #bhfyp
6 11 1 hour ago

Because I follow #debtfree types of groups? 🤮🤢🤮🤢🤮 🚫🚫🚫 #debtfreecommunity #debtfreejourney #moneyissues #blocked #scumbags

Because I follow #debtfree types of groups? 🤮🤢🤮🤢🤮 🚫🚫🚫#debtfreecommunity #debtfreejourney #moneyissues #blocked #scumbags
1 0 2 hours ago

What is one thing that you love but it is not a necessity but you get it anyway with no explanation? One of mine is candles! I love me some #bathandbodyworks#. I was very disappointed when I saw that they increase the price by $0.55 compared to last year price of $8.95. Guess it safe to assume that they are trying to account for inflation.
#militarymom# #Armylife# #mom #raisinggirl #balance #focus #buildingwealth #babystepper# #Frugal# #livelikenooneelse# #happiness# #armylife# #budgetlife# #Igetto# #Debtfreejourney# #Debtfreecommunity# #Journeyto100K# #Changingthefamilytree# #onedollaratatime# #military#

What is one thing that you love but it is not a necessity but you get it anyway with no explanation? One of mine  is candles! I love me some #bathandbodyworks#. I was very disappointed when I saw that they increase the price by $0.55 compared to last year price of $8.95. Guess it safe to assume that they are trying to account for inflation. 
#militarymom# #Armylife# #mom#raisinggirl #balance #focus #buildingwealth #babystepper# #Frugal# #livelikenooneelse# #happiness# #armylife# #budgetlife# #Igetto# #Debtfreejourney# #Debtfreecommunity# #Journeyto100K# #Changingthefamilytree# #onedollaratatime#  #military#
2 0 2 hours ago

#repost @positivetrading
Sounds simple enough right? 🤔
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Unfortunately, most traders have an issue with this because they’re focused on immediate results rather than long-term results 🤷🏽‍♂️
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Trading is NOT a “get rich quick” endeavour. Nothing worth having comes easy 💡 .
#followme 👇👇
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@tradewithlisamarie
@tradewithlisamarie
@tradewithlisamarie
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#altcoins #futures #cryptocurrency #altcoin #cryptoworld #blockchain #ethereum #cryptocurrencies #litecoin #bitcointechnology #cryptotrading #coinmarketcap #cryptomeme #monero #bitcoinasia #bitcointrading #crypto #decentralized #inspiration #bitcoinnews #bitcoincharts #bitcoins #cryptocurrencynews #cryptomarket #cryptoexplorer #bio #debtfree #debtfreecommunity

#repost @positivetrading 
Sounds simple enough right? 🤔
.
Unfortunately, most traders have an issue with this because they’re focused on immediate results rather than long-term results 🤷🏽‍♂️
.
Trading is NOT a “get rich quick” endeavour. Nothing worth having comes easy 💡 .
#followme 👇👇
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⏩ @tradewithlisamarie
⏩ @tradewithlisamarie
⏩ @tradewithlisamarie
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#altcoins #futures #cryptocurrency #altcoin #cryptoworld #blockchain #ethereum #cryptocurrencies #litecoin #bitcointechnology #cryptotrading #coinmarketcap #cryptomeme #monero #bitcoinasia #bitcointrading #crypto #decentralized #inspiration #bitcoinnews #bitcoincharts #bitcoins #cryptocurrencynews #cryptomarket #cryptoexplorer #bio #debtfree #debtfreecommunity
6 0 2 hours ago

Update on my $13 Kmart purchase yesterday... well I am glad I got him because we had so much fun at our two man pool party 🥳 but sadly he is no longer with us after hubby jumped a little to hard on him well considering he is made for 6 year olds he lasted longer than expected with the way we handled toucan tommy 😂
But no regrets had sooo much fun.
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#debtfreecommunity

Update on my $13 Kmart purchase yesterday... well I am glad I got him because we had so much fun at our two man pool party 🥳 but sadly he is no longer with us after hubby jumped a little to hard on him well considering he is made for 6 year olds he lasted longer than expected with the way we handled toucan tommy 😂
But no regrets had sooo much fun.
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#debtfreecommunity
15 4 2 hours ago

Despite how far I’ve come with my budgeting and debt free journey I still don’t always budget as recommended! .
The zero based budget scares me! I suppose some of that stems from the fear of bills landing on the door mat.... .
But I like to have a small buffer - just in case!
I do ensure I do is pay any left over money in my account into my emergency fund or other area i am budgeting..... essentially it’s the same thing! .
But it’s a mind thing... a small buffer is peace of mind incase a surprise comes through the door... which also won’t happen because I’ve paid off everything!
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Isn’t it funny how the mind works! .
Happy Saturday All!!

Despite how far I’ve come with my budgeting and debt free journey I still don’t always budget as recommended! .
The zero based budget scares me! I suppose some of that stems from the fear of bills landing on the door mat.... .
But I like to have a small buffer - just in case! 
I do ensure I do is pay any left over money in my account into my emergency fund or other area i am budgeting..... essentially it’s the same thing! .
But it’s a mind thing... a small buffer is peace of mind incase a surprise comes through the door... which also won’t happen because I’ve paid off everything!
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Isn’t it funny how the mind works! .
Happy Saturday All!!
15 4 2 hours ago

Top #debtfreecommunity posts

Today I sat down and really thought about what I wanted to accomplish in 2020. Not just personally, but for my business as well.

I couldn't fit all of my goals on one board, but I was able to highlight some very important ones.

I still want to save $20,000 in 2020 for my dream house project. This will be for unplanned and unexpected costs during the building process.

We are just looking for the perfect land now, but I hope to start the actually building process in Spring.

I want to add consistent workouts back into my schedule. I don't care if it's running or crossfit, I want to show up and be active at least 3 days a week.

I want to build and expand the TBM team. Ryen and I have already started this process and what this will look like in 2020, and we will share more details about this in the future.

I want to take my son to Disneyland in February or March. That means I need to save and have that trip planned before then. It's a major goal I want to accomplish.

I want to make saving for my son's future more of a priority. I would love for his college saving account to have $10,000 saved by the end of 2020.

2020 will be the year I start and implement my plan for retiring early. I will walk you through every step of this plan, what retiring early looks like to me, and the steps I will be taking.

All of my goals, all of them, are incredibly important to my overall plan. My light at the end of the tunnel. I sometimes ask myself, "Will there ever be a time I stop working towards something? A time in my life where I feel so content and fulfilled I can finally stop fighting for something?" I don't know the answer for that. But I do know I will never stop having goals.

In my life I learned there is no room for self-doubt. I got this, and I know you can accomplish your goals in 2020 too!

What goals do you have for 2020?
#motivationgoals

Today I sat down and really thought about what I wanted to accomplish in 2020. Not just personally, but for my business as well.

I couldn't fit all of my goals on one board, but I was able to highlight some very important ones.

I still want to save $20,000 in 2020 for my dream house project. This will be for unplanned and unexpected costs during the building process.

We are just looking for the perfect land now, but I hope to start the actually building process in Spring.

I want to add consistent workouts back into my schedule. I don't care if it's running or crossfit, I want to show up and be active at least 3 days a week.

I want to build and expand the TBM team. Ryen and I have already started this process and what this will look like in 2020, and we will share more details about this in the future.

I want to take my son to Disneyland in February or March. That means I need to save and have that trip planned before then. It's a major goal I want to accomplish.

I want to make saving for my son's future more of a priority. I would love for his college saving account to have $10,000 saved by the end of 2020.

2020 will be the year I start and implement my plan for retiring early. I will walk you through every step of this plan, what retiring early looks like to me, and the steps I will be taking.

All of my goals, all of them, are incredibly important to my overall plan. My light at the end of the tunnel. I sometimes ask myself, "Will there ever be a time I stop working towards something? A time in my life where I feel so content and fulfilled I can finally stop fighting for something?" I don't know the answer for that. But I do know I will never stop having goals.

In my life I learned there is no room for self-doubt. I got this, and I know you can accomplish your goals in 2020 too!

What goals do you have for 2020?
#motivationgoals
9,705 234 13 hours ago

Louder for the people in the back! Stop getting one-time-use clothes!⁠
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I keep seeing these ads all over the place for family Christmas PJs. You know the ones, they're super cute looking and the family all looks so happy and not at all chaotic and stressed and you're like "YES! THESE!" ⁠
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And next thing you know you've spent $100 getting 4 sets of PJs that say something ridiculous like "best Christmas ever" on them... and ya know what happens? You never wear them again. Or worse! You lose them before Christmas morning and you don't even have them for the cliche Christmas morning picture. ⁠
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Shots fired, y'all. But we're going there! Just STOP IT! If you want to get your kids Christmas PJs, get plain ol' plaid ones that they can wear all year. But for the love of all that's good and holy...⁠
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STOP BREAKING THE BUDGET ON ONE-TIME THINGS TO LOOK CUTE ON INSTAGRAM. ⁠
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Get your whole family a membership to the local zoo or aquarium (even if it's a smaller zoo or something like that, it's a blast) for the whole year instead. (Or you could get PJs for everyone for the next year that are normal!)⁠
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Do something BETTER than one-day-$25 PJs. ⁠
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Ok, I'll hop off my soapbox. 😘 We cool? Ok good. ⁠
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Talkin' to you, @inspiredbudget 😘🤣 Hope you got the kids some PJs they'll wear more than once!🤣⁠
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Have you ever done matching Christmas PJs for your family?⁠
Let me know in the comments! 👇👇👇⁠
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#debtfreeliving #debtfree #debtfreejourney #debtfreecommunity #debtfreelife #frugal #frugalliving #savingmoney #money #saving #frugallife #momlife #finance #debtfreelife #debtisdumb #debt #smartmoney #money #saving #frugallife #budget #budgeting #christmasmorning #kids #daveramsey #shopping #pjs #christmas #christmaspjs

Louder for the people in the back! Stop getting one-time-use clothes!⁠
= = =⁠
I keep seeing these ads all over the place for family Christmas PJs. You know the ones, they're super cute looking and the family all looks so happy and not at all chaotic and stressed and you're like "YES! THESE!" ⁠
= = =⁠
And next thing you know you've spent $100 getting 4 sets of PJs that say something ridiculous like "best Christmas ever" on them... and ya know what happens? You never wear them again. Or worse! You lose them before Christmas morning and you don't even have them for the cliche Christmas morning picture. ⁠
= = =⁠
Shots fired, y'all. But we're going there! Just STOP IT! If you want to get your kids Christmas PJs, get plain ol' plaid ones that they can wear all year. But for the love of all that's good and holy...⁠
= = =⁠
STOP BREAKING THE BUDGET ON ONE-TIME THINGS TO LOOK CUTE ON INSTAGRAM. ⁠
= = =⁠
Get your whole family a membership to the local zoo or aquarium (even if it's a smaller zoo or something like that, it's a blast) for the whole year instead. (Or you could get PJs for everyone for the next year that are normal!)⁠
= = =⁠
Do something BETTER than one-day-$25 PJs. ⁠
= = =⁠
Ok, I'll hop off my soapbox. 😘 We cool? Ok good. ⁠
= = =⁠
Talkin' to you, @inspiredbudget 😘🤣 Hope you got the kids some PJs they'll wear more than once!🤣⁠
= = =⁠
Have you ever done matching Christmas PJs for your family?⁠
Let me know in the comments! 👇👇👇⁠
= = =⁠
⁠
#debtfreeliving #debtfree #debtfreejourney #debtfreecommunity #debtfreelife #frugal #frugalliving #savingmoney #money #saving #frugallife #momlife #finance #debtfreelife #debtisdumb #debt #smartmoney #money #saving #frugallife #budget #budgeting #christmasmorning #kids #daveramsey #shopping #pjs #christmas #christmaspjs
1,294 249 3 December, 2019

YES, Periodt! 🔥🔥🔥We will! Let's get mentally ready for a prosperous year. How to increase your income streams? Start by thinking what are you passionate about (outside of your 9 to 5 job) and create a side hustle out of your passion: as an online business, a freelancer, start your home based business!! .
.
I know...that it sounds just too easy, but I won't sugar coat it: it takes time, effort, long nights and consistency to start that side business, but it will be SO worth it!! 🙌🏼🙌🏼🙌🏼 Let's NOT only depend on a paycheck on 2020...we have the possibility of generating more income, paying debts faster, saving more, investing, building wealth!! .
.
. . 🤑🤑🤑Do you agree? What will you DO different next year, to increase your income?! Let me know and SHARE this as it could help someone else, this new decade!!
.
.
#networth #moneytalk #moneyhacks #incomestreams #sidehustle #womenandmoney #daveramsey #moneysavingtips #millennialmoney #millenniallife #ficommunity #passiveincome #livelikenooneelse #20before2020 #investments #work #werk #cashisking #investing #financialfreedom #wallstreet #debtfreegoals #financialgoals #debtfreecommunity #debtfreedom

YES, Periodt! 🔥🔥🔥We will! Let's get mentally ready for a prosperous year. How to increase your income streams? Start by thinking what are you passionate about (outside of your 9 to 5 job) and create a side hustle out of your passion: as an online business, a freelancer, start your home based business!! .
.
 I know...that it sounds just too easy, but I won't sugar coat it: it takes time, effort, long nights and consistency to start that side business, but it will be SO worth it!! 🙌🏼🙌🏼🙌🏼 Let's NOT only depend on a paycheck on 2020...we have the possibility of generating more income, paying debts faster, saving more, investing, building wealth!! .
.
. . 🤑🤑🤑Do you agree? What will you DO different next year, to increase your income?! Let me know and SHARE this as it could help someone else, this new decade!!
.
.
#networth #moneytalk#moneyhacks #incomestreams#sidehustle#womenandmoney#daveramsey#moneysavingtips#millennialmoney#millenniallife#ficommunity #passiveincome#livelikenooneelse#20before2020#investments#work#werk#cashisking#investing#financialfreedom#wallstreet#debtfreegoals#financialgoals #debtfreecommunity #debtfreedom
960 53 5 December, 2019

A day I’ve been waiting on since March 28th of 2019. I finally got my divorce decree in the mail. This time in my life has officially passed and has taught me so much about myself and how strong I am.

Beginning to pay down debt changed me. It caused me to start to evaluate my marriage, to pick fights because he wouldn’t get on board, to investigate where all of his money was going... and ultimately this journey is the ONLY reason I could afford to buy my ex out of our house and continue to afford mine and my son’s life. It has given me the FREEDOM to not be dependent on child support to survive. To ask for less because in the end it’s better for my mental sanity. This journey, so far, has changed me in every single way for the better.
I am here to shout from the rooftops to all the women out there who think they are stuck... you are not. I see you. You can do this if you really want to. I can help you whether it be an ear to listen or advice to give.
The debt free community
changed 👏🏼 my 👏🏼 life 👏🏼 #debtfreecommunity #debtfreejourney #teamtinyshovel #debtisdumb #singlemom #divorce #daveramsey #budget #everydollar

A day I’ve been waiting on since March 28th of 2019. I finally got my divorce decree in the mail. This time in my life has officially passed and has taught me so much about myself and how strong I am.

Beginning to pay down debt changed me. It caused me to start to evaluate my marriage, to pick fights because he wouldn’t get on board, to investigate where all of his money was going... and ultimately this journey is the ONLY reason I could afford to buy my ex out of our house and continue to afford mine and my son’s life. It has given me the FREEDOM to not be dependent on child support to survive. To ask for less because in the end it’s better for my mental sanity. This journey, so far, has changed me in every single way for the better. 
I am here to shout from the rooftops to all the women out there who think they are stuck... you are not. I see you. You can do this if you really want to. I can help you whether it be an ear to listen or advice to give. 
The debt free community
changed 👏🏼 my 👏🏼 life 👏🏼 #debtfreecommunity #debtfreejourney #teamtinyshovel #debtisdumb #singlemom #divorce #daveramsey #budget #everydollar
2,063 159 4 December, 2019

✨ 2020 SAVINGS GOALS

What do you want to see in your account by the end of 2020?

The best way to achieve your goals is to visualise your end goal and then figure out how you are going to get there.

If you find that you can’t meet the month goals to reach your end goal then:
✔️ Be open to lifestyle changes
✔️ Start a side business to earn extra income
✔️ Lower your end goal expectations

✨ 2020 SAVINGS GOALS

What do you want to see in your account by the end of 2020?

The best way to achieve your goals is to visualise your end goal and then figure out how you are going to get there.

If you find that you can’t meet the month goals to reach your end goal then:
✔️ Be open to lifestyle changes
✔️ Start a side business to earn extra income
✔️ Lower your end goal expectations
2,182 101 5 December, 2019

Hot cocoa and movies at home 😍 Who's staying in this weekend? 🙌

Hot cocoa and movies at home 😍 Who's staying in this weekend? 🙌
2,142 62 12 hours ago

YOU have what it takes to win with money. You just need a plan. Right now, a TON of our books, tools, and resources are on sale! Whether you're just getting started or you're debt-free and looking to learn to build wealth and give, there's something for everyone in every stage of the journey. 🔗Click the link in my profile to grab something for yourself or someone on your list this year!
#debtfreecommunity #financialpeace #babysteps #cybermonday #cybermondaysale #cybermondaydeals

YOU have what it takes to win with money. You just need a plan. Right now, a TON of our books, tools, and resources are on sale! Whether you're just getting started or you're debt-free and looking to learn to build wealth and give, there's something for everyone in every stage of the journey. 🔗Click the link in my profile to grab something for yourself or someone on your list this year! 
#debtfreecommunity #financialpeace #babysteps #cybermonday #cybermondaysale #cybermondaydeals
83,563 2,309 2 December, 2019

I’m writing this caption from behind the counter at my part time job because something really cool just happened.

I had 2 customers come up, a guy and a girl. The girl asked for a small pumpkin pie ice cream and the guy got a sugar cone with pumpkin spiced latte ice cream. When they went to checkout, they noticed my sticker on the tip jar about my student loans. “You have student loans?”, they asked. “Yes”, I replied, “This is my second job. Just trying to pay them off!”
.
Their total was $9.50 and the guy handed me a $20 bill. Then, he proceeded to say some of the best words you can hear if you’re me, “keep the change.” I looked at him in shock - sheer gratitude for his kindness. “You’re gonna make me cry!”, I said. To which he replied, “Now don’t do that or I’ll start cryin!” And we laughed. And then I actually started to tear up. And then I thanked him profusely and we said our goodbyes.

Not 2 minutes later, he came back with another $20 bill. “Here you go”, he said. We then talked briefly about my education and my career and my goals, and he left after a fist bump.

He tipped me $30.50 in total.

I’m gonna stop before I start tearing up again. Don’t need the customers to think I’m crazy haha. But wow. He has no idea how thankful I am and how much this means to me. It goes beyond words.

I’m writing this caption from behind the counter at my part time job because something really cool just happened.

I had 2 customers come up, a guy and a girl. The girl asked for a small pumpkin pie ice cream and the guy got a sugar cone with pumpkin spiced latte ice cream. When they went to checkout, they noticed my sticker on the tip jar about my student loans. “You have student loans?”, they asked. “Yes”, I replied, “This is my second job. Just trying to pay them off!”
.
Their total was $9.50 and the guy handed me a $20 bill. Then, he proceeded to say some of the best words you can hear if you’re me, “keep the change.” I looked at him in shock - sheer gratitude for his kindness. “You’re gonna make me cry!”, I said. To which he replied, “Now don’t do that or I’ll start cryin!” And we laughed. And then I actually started to tear up. And then I thanked him profusely and we said our goodbyes.

Not 2 minutes later, he came back with another $20 bill. “Here you go”, he said. We then talked briefly about my education and my career and my goals, and he left after a fist bump.

He tipped me $30.50 in total.

I’m gonna stop before I start tearing up again. Don’t need the customers to think I’m crazy haha. But wow. He has no idea how thankful I am and how much this means to me. It goes beyond words.
1,256 128 6 December, 2019