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My direct deposit went through a few days before Pay Day so we can officially celebrate being DONE saving for our wedding!!!!! 🎉👰🏼 We intentionally had a longer engagement so that we would be able to start our marriage in the best financial position possible and it feels SO GOOD to not have wedding debt hanging over our head. Now we can sit back and relax...and try to stay in budget 🙏🏻 #debtfreecommunity #debtfreemillenials #budget #debtfreedom #daveramsey #financialindependence #debtfreemarriage #debtfreewedding #dentalschool #ucsfschoolofdentistry #ucsfalumi #dentalstudent #dentalimplants #generaldentistry #ucsfgrad #dentistry #dentist #dentistlife #ucsf #dentalsurgery #communitydentistry #debtfreelife #sacramentodentist #sacramentoproud

My direct deposit went through a few days before Pay Day so we can officially celebrate being DONE saving for our wedding!!!!! 🎉👰🏼 We intentionally had a longer engagement so that we would be able to start our marriage in the best financial position possible and it feels SO GOOD to not have wedding debt hanging over our head. Now we can sit back and relax...and try to stay in budget 🙏🏻 #debtfreecommunity #debtfreemillenials #budget #debtfreedom #daveramsey #financialindependence #debtfreemarriage #debtfreewedding #dentalschool #ucsfschoolofdentistry #ucsfalumi #dentalstudent #dentalimplants #generaldentistry #ucsfgrad #dentistry #dentist #dentistlife #ucsf #dentalsurgery #communitydentistry #debtfreelife #sacramentodentist #sacramentoproud
8 1 2 hours ago

Children watch our behaviours far more than they listen to our words. If we want them to be #grateful then we must demonstrate #gratitude . If we want them to be #kind then we must demonstrate #kindness . If we want them to ask for less then we must demonstrate that we are #content . ✨This is my daughters letter board. ♥️ She saw mine and was inspired to create her own...
✨We must choose to be #intentional with our actions, so that our little people can be inspired to be wonderful humans that lead authentic lives. They will do this when they see us doing it. ♥️



#momlife #mama #maman #mamaonabudget #mom #authentic #authenticliving #likemotherlikedaughter #intentional #intentionality #intentionalism #livingintentionally #lifeonpurpose #livesimple #dreambig #laughlots #beamazing #spreadjoy #debtfreejourney #debtfreecommunity #debtfreelife #simple #simplicity #simpleliving #simplelife

Children watch our behaviours far more than they listen to our words. If we want them to be #grateful then we must demonstrate #gratitude . If we want them to be #kind then we must demonstrate #kindness . If we want them to ask for less then we must demonstrate that we are #content . ✨This is my daughters letter board. ♥️ She saw mine and was inspired to create her own...
✨We must choose to be #intentional with our actions, so that our little people can be inspired to be wonderful humans that lead authentic lives. They will do this when they see us doing it. ♥️
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#momlife #mama #maman #mamaonabudget #mom #authentic #authenticliving #likemotherlikedaughter #intentional #intentionality #intentionalism #livingintentionally #lifeonpurpose #livesimple #dreambig #laughlots #beamazing #spreadjoy #debtfreejourney #debtfreecommunity #debtfreelife #simple #simplicity #simpleliving #simplelife
6 0 3 hours ago

⬆ link in bio ⬆

Of course you should track reimbursable expenses! You need to make sure you get paid (Free PDF to help with that). But how do you deal with reimbursable expenses you're paying in CASH when you're keeping a zero-based budget and spending every dollar on paper? When every dollar has an assignment, which dollars go towards reimbursable expenses? Here I outline three potential solutions and the pros/cons of each.

#debtfreejourney #debtfreecommunity #debtfreelife #debtfreeCanada #debtfreecanadian #debtfreecommunitymanitoba #debtfreecommunitycanada #daveramsey #debtfree #debtfreecanuck #canadian #canada #debtfreedom #slayingdebt #debtfreemillenials #money #millenialmoney #millenialfinance #creditcards #budget #budgeting #nomoredebt #bible #christian #bibletruth #Jesus #debt #loans #loan #credit

⬆ link in bio ⬆

Of course you should track reimbursable expenses!  You need to make sure you get paid (Free PDF to help with that). But how do you deal with reimbursable expenses you're paying in CASH when you're keeping a zero-based budget and spending every dollar on paper?  When every dollar has an assignment, which dollars go towards reimbursable expenses?  Here I outline three potential solutions and the pros/cons of each.

#debtfreejourney #debtfreecommunity #debtfreelife #debtfreeCanada #debtfreecanadian #debtfreecommunitymanitoba #debtfreecommunitycanada #daveramsey #debtfree #debtfreecanuck #canadian #canada #debtfreedom #slayingdebt #debtfreemillenials #money #millenialmoney #millenialfinance #creditcards #budget #budgeting #nomoredebt #bible #christian #bibletruth #Jesus #debt #loans #loan #credit
7 0 4 hours ago

Take the direct way out of debt. It works like a GPS.
DM for a free debt analysis and see how many months less you have to pay on your debts ..without changing your current budget! #debtfreelife #debtfreegoals #budget #debtfree #mortgages #gps #moneymaxaccount #debt #goals #debtfreejourney

Take the direct way out of debt. It works like a GPS.
DM for a free debt analysis and see how many months less you have to pay on your debts ..without changing your current budget! #debtfreelife #debtfreegoals #budget #debtfree #mortgages #gps #moneymaxaccount #debt #goals #debtfreejourney
1 0 4 hours ago

Well, it took us 3 years but WE DID IT! We're DEBT FREE!!!! again for the 2nd time. Paid off 16k-17k .
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I will make a video of our debt free journey story bcuz I think it's worth sharing with y'all. As you can see in this pic, we had our ups & our downs & that's only a small part of it.
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If my family & I can do it, so can you. Give yourself a budget & stick to it, be an adult & discipline yourself.
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#daveramsey #daveramseybabysteps #debtfree #debtfreescream #debtfreelife #debtfreeliving #debtfreejourney #babysteps #babystep3 #debtfreegoals #debtfreecommunity #wedidit #wediditagain #inspire #mom #momlife #mommy #mommylife #momofboys #momof3kids #parentlife #parenting #ca #california #vlog #vlogs #vlogging #video #videos #randomlylena

Well, it took us 3 years but WE DID IT! We're DEBT FREE!!!! again for the 2nd time. Paid off 16k-17k .
.
I will make a video of our debt free journey story bcuz I think it's worth sharing with y'all. As you can see in this pic, we had our ups & our downs & that's only a small part of it.
.
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If my family & I can do it, so can you. Give yourself a budget & stick to it, be an adult & discipline yourself.
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#daveramsey #daveramseybabysteps #debtfree #debtfreescream #debtfreelife #debtfreeliving #debtfreejourney #babysteps #babystep3 #debtfreegoals #debtfreecommunity #wedidit #wediditagain #inspire #mom #momlife #mommy #mommylife #momofboys #momof3kids #parentlife #parenting #ca #california #vlog #vlogs #vlogging #video #videos #randomlylena
24 0 5 hours ago

There are many people out there who are going to go some, or all of their working lives without a company sponsored RRSP or Pension plan. That doesn't mean you just don't save for retirement though!! This just means that you need to take care of this on your own! If your company doesn't have any retirement plans I'd recommend opening up your own RRSP and setting up automatic deposits (just like your work would do for you) into your RRSP on the FIRST pay of every month. I'm not going to recommend a specific amount because it really depends on your age and how much extra income you have each month for savings but you should be saving something every month! Whether that's 10% of your income or $100 a month. Anything is better than nothing. Since you are putting in after-tax dollars, you will get a tax refund at the end of the year- which you can put right back into your RRSP to reinvest!!

There are many people out there who are going to go some, or all of their working lives without a company sponsored RRSP or Pension plan. That doesn't mean you just don't save for retirement though!! This just means that you need to take care of this on your own! If your company doesn't have any retirement plans I'd recommend opening up your own RRSP and setting up automatic deposits (just like your work would do for you) into your RRSP on the FIRST pay of every month. I'm not going to recommend a specific amount because it really depends on your age and how much extra income you have each month for savings but you should be saving something every month! Whether that's 10% of your income or $100 a month. Anything is better than nothing. Since you are putting in after-tax dollars, you will get a tax refund at the end of the year- which you can put right back into your RRSP to reinvest!!
10 2 6 hours ago

I wanted to become debt free because I wanted to travel. And not just a few hours to the lake. Nope. I wanted BIG, INTERNATIONAL travel. It was my debt free dream to travel to a place that captured my heart since my first French class when I was 15: Paris.⁠

This past month, Kyle and I were able to do a work/play trip to Europe. And I finally got to see Paris for the first time in my life.⁠

To say I was enamored is an understatement.⁠
Kyle was super impressed with the amount of French that I can speak.⁠
I impressed myself with the words I was able to remember after my last French class in college (something like, urm, 8 YEARS AGO).⁠

I remembered everything that 22-year-old Justine had started with my finances. And it's led me to some incredible places around this Earth.⁠

What country is on your debt free travel list? Even if you don't have immediate plans to visit, it's nice to put it on your list. Tell me below!⁠





#debtfreecommunity #debtfreejourney #debtfreemillennials #travel #travelmore #budgettravel #traveloften #budgettraveler #traveler #france #paris #eiffeltour #debtfreeliving #wanderlust #debtfreelife #debtfree

I wanted to become debt free because I wanted to travel. And not just a few hours to the lake. Nope. I wanted BIG, INTERNATIONAL travel. It was my debt free dream to travel to a place that captured my heart since my first French class when I was 15: Paris.⁠
⁠
This past month, Kyle and I were able to do a work/play trip to Europe. And I finally got to see Paris for the first time in my life.⁠
⁠
To say I was enamored is an understatement.⁠
Kyle was super impressed with the amount of French that I can speak.⁠
I impressed myself with the words I was able to remember after my last French class in college (something like, urm, 8 YEARS AGO).⁠
⁠
I remembered everything that 22-year-old Justine had started with my finances. And it's led me to some incredible places around this Earth.⁠
⁠
What country is on your debt free travel list? Even if you don't have immediate plans to visit, it's nice to put it on your list. Tell me below!⁠
⁠
⁠
⁠
⁠
⁠
#debtfreecommunity #debtfreejourney #debtfreemillennials #travel #travelmore #budgettravel #traveloften #budgettraveler #traveler #france #paris #eiffeltour #debtfreeliving #wanderlust #debtfreelife #debtfree
222 21 6 hours ago

#rePLANOLY @bitcoinpricedaily⠀⠀⠀⠀⠀⠀⠀⠀⠀
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YOU ALWAYS SEE ME ON EXPLORE SO WHY HAVEN’T U FOLLOWED ME YET? @bitcoinpricedaily⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀ Follow: @KatNatRealEstate 👫⠀⠀⠀⠀⠀⠀⠀⠀⠀
Follow: @KatNatRealEstate 👫

#rePLANOLY @bitcoinpricedaily⠀⠀⠀⠀⠀⠀⠀⠀⠀
.⠀⠀⠀⠀⠀⠀⠀⠀⠀
YOU ALWAYS SEE ME ON EXPLORE SO WHY HAVEN’T U FOLLOWED ME YET? @bitcoinpricedaily⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀ Follow: @KatNatRealEstate 👫⠀⠀⠀⠀⠀⠀⠀⠀⠀
Follow: @KatNatRealEstate 👫
20 2 6 hours ago

This may not seem like much to some but this is a HUGE milestone for me. I was only paying the minimum repayment plus a little extra on my $5,000 credit card which I’d quickly spend, maxing the card out over and over again. ⠀⠀
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Last month I STARTED paying more than the minimum repayment and STOPPED using the card. And here I am today, decreasing my limit by $1,000! A few more decreases to go now until it’s gone completely. 🤗

This may not seem like much to some but this is a HUGE milestone for me. I was only paying the minimum repayment plus a little extra on my $5,000 credit card which I’d quickly spend, maxing the card out over and over again. ⠀⠀
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Last month I STARTED paying more than the minimum repayment and STOPPED using the card. And here I am today, decreasing my limit by $1,000! A few more decreases to go now until it’s gone completely. 🤗
43 12 6 hours ago

As 2019 closes and the S&P 500 is up 25%, its reminding me of 1999.
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In 1999, I was 2 years into my career and started my 401(k). That year, the Nasdaq was up 85%!!!! I was so upset and discouraged hearing everyone talk how they have millions in their 401(k), and an increase of hundreds of thousands of dollars in a single year. Then 💩 happened...down 40% in 2000, down 20% in 2001, down 30% in 2002.
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What’s the moral of the story? I’m so thankful I didn’t allow my feelings of “missing out” get in the way and stuck to my investing plan. I also felt bad for so many that got greedy and lost so much!!!!
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I’m a huge believer that you need a financial plan, budgeting, investing, debt-freedom, etc. Investing needs to include a risk assessment, an allocation between asset classes. Investing is not being 100% invested in stock funds and hope for the best. .
At some point this Bull Stock Market will turn and without an investment plan, we can end up reliving the post-1999 nightmare! My goal in 2020 will be to become a resource to get you to build and keep REAL WEALTH 🙌.
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PS - The best day to start investing is today! The second best day is tomorrow 🙌. Keep fighting friends 💕.

As 2019 closes and the S&P 500 is up 25%, its reminding me of 1999.
.
In 1999, I was 2 years into my career and started my 401(k). That year, the Nasdaq was up 85%!!!! I was so upset and discouraged hearing everyone talk how they have millions in their 401(k), and an increase of hundreds of thousands of dollars in a single year.  Then 💩 happened...down 40% in 2000, down 20% in 2001, down 30% in 2002.
.
What’s the moral of the story?  I’m so thankful I didn’t allow my feelings of “missing out” get in the way and stuck to my investing plan.  I also felt bad for so many that got greedy and lost so much!!!!
.
I’m a huge believer that you need a financial plan, budgeting, investing, debt-freedom, etc.  Investing needs to include a risk assessment, an allocation between asset classes.  Investing is not being 100% invested in stock funds and hope for the best. .
At some point this Bull Stock Market will turn and without an investment plan, we can end up reliving the post-1999 nightmare!  My goal in 2020 will be to become a resource to get you to build and keep REAL WEALTH 🙌.
.
PS - The best day to start investing is today!  The second best day is tomorrow 🙌. Keep fighting friends 💕.
305 17 7 hours ago

Because I am being more mindful about my spending this pissed me off. I just got them done an hour ago! I used most of my fun money to get them done. Ugh well I am going to file it and keep it pushing not paying more money to get it fixed. I am considering investing in a gel kit so I can do them myself.

#datingwithdebt #debtfree
#debtfree2019 #debtfreethewaytobe #debtfreecommunity #debtfreelife #debtsnowball #debtsucks #debtfreegoals #debtisdumb #debtfreeliving #debtfreeisthewaytobe #debtfreedom #debtfreelifestyle #debt #queencity #southcarolina #charlotte #budget #budgeting #onabudget #daveramsey #babystep2 #studentloans #debtfreeaf #budget #minimalism #smallchanges

Because I am being more mindful about my spending this pissed me off. I just got them done an hour ago! I used most of my fun money to get them done. Ugh well I am going to file it and keep it pushing not paying more money to get it fixed. I am considering investing in a gel kit so I can do them myself.

#datingwithdebt #debtfree
#debtfree2019 #debtfreethewaytobe #debtfreecommunity #debtfreelife #debtsnowball #debtsucks #debtfreegoals #debtisdumb #debtfreeliving #debtfreeisthewaytobe #debtfreedom #debtfreelifestyle #debt #queencity #southcarolina #charlotte #budget #budgeting #onabudget #daveramsey #babystep2 #studentloans #debtfreeaf #budget #minimalism #smallchanges
13 1 7 hours ago

We are learning soooo much in this season of life. It’s rich and exhausting and beautiful and raw. We are practicing grace as we navigate marriage and parenthood in the midst of exhaustion. We are learning that quality time truly is greater than quantity. We are being intentional with our memories and so purposeful with our time. We are acknowledging the beauty of our own journey and appreciating the path that we’ve chosen. We are working on being less judgmental of those that have chosen an irresponsible path (I said working not perfected 🤪). I never imagined that this #debtfreejourney would give us more than financial freedom. I have such a new appreciation for my tribe and my parents. We are really doing it and I’m so so proud. 📸: @sarahgraybealphoto




#debtfreecommunity #debtfreescream #budgetmama #debtfreelife #financialpeace #babysteps #daveramsey #rachelcruze #debtfreedom #debtsnowball #livelikenooneelse #debtfreemama #budgetmama #gazelleintense #financialfreedom #bossbabe #hustle #sidehustle #vipkid #vipkidteacher #vipkidnewbie #vipkidclassroom #vipkidlife #sidehustle #hustletilidie #everydaymillionaire #whistlewhileyouwork #werkwerkwerk #moneyhack #motherhoodunplugged

We are learning soooo much in this season of life. It’s rich and exhausting and beautiful and raw. We are practicing grace as we navigate marriage and parenthood in the midst of exhaustion. We are learning that quality time truly is greater than quantity. We are being intentional with our memories and so purposeful with our time. We are acknowledging the beauty of our own journey and appreciating the path that we’ve chosen. We are working on being less judgmental of those that have chosen an irresponsible path (I said working not perfected 🤪). I never imagined that this #debtfreejourney would give us more than financial freedom. I have such a new appreciation for my tribe and my parents. We are really doing it and I’m so so proud. 📸: @sarahgraybealphoto
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#debtfreecommunity #debtfreescream #budgetmama #debtfreelife #financialpeace #babysteps #daveramsey #rachelcruze #debtfreedom #debtsnowball #livelikenooneelse #debtfreemama #budgetmama #gazelleintense #financialfreedom #bossbabe #hustle #sidehustle #vipkid #vipkidteacher #vipkidnewbie #vipkidclassroom #vipkidlife #sidehustle #hustletilidie #everydaymillionaire #whistlewhileyouwork #werkwerkwerk #moneyhack #motherhoodunplugged
21 0 7 hours ago

After 5 rounds of interviews, I found out I wasn’t selected for the position I applied for...and you know what? I’m OK! I thought I would be more upset than I actually am but I realized it isn’t the end of the world. They’ll be other opportunities!!! •••••••••••••••••••••••••••••••••••••••••••••••• #debtfreejourney #debtfreegoals #debtfreedom #debtisdumb #debtfreelife #debtpayoff #debtsnowball #financialfreedom #financialgoals #frugalliving #singledebtfreejourney #singledebtfreecommunity #singledebtfreegoals #sixfiguredebt #snowball #studentloans #zerobasedbudget

After 5 rounds of interviews, I found out I wasn’t selected for the position I applied for...and you know what? I’m OK! I thought I would be more upset than I actually am but I realized it isn’t the end of the world. They’ll be other opportunities!!! ••••••••••••••••••••••••••••••••••••••••••••••••#debtfreejourney #debtfreegoals #debtfreedom #debtisdumb #debtfreelife #debtpayoff #debtsnowball #financialfreedom #financialgoals #frugalliving #singledebtfreejourney #singledebtfreecommunity #singledebtfreegoals #sixfiguredebt #snowball #studentloans #zerobasedbudget
165 14 7 hours ago

No “What Sold” video since I was on vacation. But here is what sold “while” I was on Vacation. Happy Sales to you all! .
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These are brands that historically have sold well for me too! Bolo! .
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❓Have you done well with any of these?❓
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Going to get back in the saddle and start filming some more YouTube videos shortly! ❤️ .
#poshmark #poshmarkseller #ebay #ebayseller #reseller #resellerlife #mercariseller #mercari

No “What Sold” video since I was on vacation.  But here is what sold “while” I was on Vacation.  Happy Sales to you all! .
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These are brands that historically have sold well for me too!  Bolo! .
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❓Have you done well with any of these?❓
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Going to get back in the saddle and start filming some more YouTube videos shortly! ❤️ .
#poshmark #poshmarkseller #ebay #ebayseller #reseller #resellerlife #mercariseller #mercari
462 15 8 hours ago

🐶 Maggie’s first Christmas! Baby dog got to meet Santa today at an A&M Christmas event for which Jacob agreed to wear our matching Christmas pjs to 👩‍❤️‍👨 (which I consider straight proof he loves me). You know I love a free event and when I saw that dogs were allowed and there would be photos with Santa, I saw a great “Christmas card” style opportunity for a cute family holiday pic! I think it came out great- and the pro pics will come out right before the holiday so forgive a potential repost ❤️ The only thing missing was Rory, who no longer really enjoys public events with other dogs, so she stayed home.
Maggie was enough to deal with, she borked at everyone but Santa - Jacob thinks the little dress we put on her gave her an over abundance of confidence 😂
What are your favorite free holiday activities? 🎄🤶🏻🎅🏼

🐶 Maggie’s first Christmas! Baby dog got to meet Santa today at an A&M Christmas event for which Jacob agreed to wear our matching Christmas pjs to 👩‍❤️‍👨 (which I consider straight proof he loves me). You know I love a free event and when I saw that dogs were allowed and there would be photos with Santa, I saw a great “Christmas card” style opportunity for a cute family holiday pic! I think it came out great- and the pro pics will come out right before the holiday so forgive a potential repost ❤️ The only thing missing was Rory, who no longer really enjoys public events with other dogs, so she stayed home. 
Maggie was enough to deal with, she borked at everyone but Santa - Jacob thinks the little dress we put on her gave her an over abundance of confidence 😂 
What are your favorite free holiday activities? 🎄🤶🏻🎅🏼
511 25 8 hours ago

It was super frustrating to have to put the breaks on my workout program to give this back some time to settle down. But after I got past feeling sorry for myself (yes, you’re allowed a bit of self pity...just don’t let it last too long 😉) and realized that this would give me an opportunity to just slow down and enjoy movement, it’s actually been really nice 👍🏼 And bonus - I do believe my back is appreciating the kindness I’m showing it 💕
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Don’t move because you HAVE to - do it because you GET to. That simple shift in perspective can change so much! 🥰

It was super frustrating to have to put the breaks on my workout program to give this back some time to settle down.  But after I got past feeling sorry for myself (yes, you’re allowed a bit of self pity...just don’t let it last too long 😉) and realized that this would give me an opportunity to just slow down and enjoy movement, it’s actually been really nice 👍🏼 And bonus - I do believe my back is appreciating the kindness I’m showing it 💕
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Don’t move because you HAVE to - do it because you GET to.  That simple shift in perspective can change so much! 🥰
25 1 8 hours ago
[SURVEYS] $50 survey opportunity on SurveyVillage💰😎👍👏🤓 I didn’t qualify 😩 but you might!! Link in my bio if you want to join this survey site ➡️💻
_______________________lll__=^..^=__lll__________________________
#ourbudgetingjourney #mumlife #frugalmum #paidsurveys #workfromhome #debtfreegoals #sickofdebt #gettingoutofdebt #surveylife #surveysformoney #survey #consumerdebt #debtfreecommunity #debt #debtfree #debtfreelife #debtfreejourney #budget #budgetlife #babysteps #daveramsey #barefootinvestor #financialfreedom #financialgoals #ozdebtfreecommunity #ozdebtfreejourney #sidehustle #debtfreecommunityaustralia #budgetmum #australiadebtfreecommunity
10 0 8 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? 📱
⠀⠀
what about on shopping? 🛍
⠀⠀
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
⠀⠀
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! 🔄
⠀⠀
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!
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but first? Just start simple, & track.
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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!
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but first? Just start simple, & track.
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Do you use any financially literacy apps? Share your favorites below!👇🏼
63 9 8 hours ago

💄💋Hurry hurry! Anyone with o2 priority @ctilburymakeup has £10 off makeup! So I got my chosen item & two samples for free, with the small fee of postage, so £2.95 total- happy girly, cant wait for this to arrive so I can try it all out!💋💄 Thank you @cashsaveremma for posting ❤️ -

#debtfreejourney #debtfreecommunity #financialfreedom #moneysaver #savingmoney #money #frugalblogger #frugalliving #love #happy #freebies #instagram #picoftheday #followme #budget #inspiredbudget #budgetlife #budgeting #moneymindset #personalfinance #debtfreelife #livelife #bhfyp #like #follow #bargainshopper #bargainhunter #mybudgetcottagebargain #freebies #freebie

💄💋Hurry hurry! Anyone with o2 priority @ctilburymakeup has £10 off makeup! So I got my chosen item & two samples for free, with the small fee of postage, so £2.95 total- happy girly, cant wait for this to arrive so I can try it all out!💋💄 Thank you @cashsaveremma for posting ❤️ -

#debtfreejourney #debtfreecommunity #financialfreedom #moneysaver #savingmoney #money #frugalblogger #frugalliving #love #happy #freebies #instagram #picoftheday #followme #budget #inspiredbudget #budgetlife #budgeting #moneymindset #personalfinance #debtfreelife #livelife #bhfyp #like #follow #bargainshopper #bargainhunter #mybudgetcottagebargain #freebies #freebie
22 0 9 hours ago

🌟Not every decision is going to make financial sense, but that doesn't mean it is a wrong decision. 🐶This pup here costs us a good chunk of change every year, but the joy and unity she brings to our family are priceless. There is so much more to life than money, and while I am a huge advocate of financial literacy and living debt-free, not every decision needs to be based on money. Could we pay off our house sooner if we didn't have pet care expenses? Yes, we probably could, but we don't choose to live our life that way. I am not criticizing those that do, but for some, gazelle intense 100% of the time is too much for them. The great news is that every person and family gets to live their debt-free journey on their terms. I find the variety of approaches taken by the #dfc to be inspiring and encouraging, and I love cheering people on to living a debt-free life they love.
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👉Have you chosen to do things on your debt-free journey that haven't made perfect financial sense even though you know is the right thing to do for you?
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#debtfreecommunity #financialliteracy #debtfreelife #debtfreelifestyle #debtfreegoals #debtfreeliving #intentialliving #livingintentionally #zerobasedbudget #budgeting #personalfinance #babysteps #babystep2 #totalmoneymakeover #livelikenooneelse #faithandfinance #homemaker #familygoals #debtpayoff #financialwellness #financialpeace #financialgoals #progressoverperfection #itsnevertoolate #savemoney

🌟Not every decision is going to make financial sense, but that doesn't mean it is a wrong decision. 🐶This pup here costs us a good chunk of change every year, but the joy and unity she brings to our family are priceless. There is so much more to life than money, and while I am a huge advocate of financial literacy and living debt-free, not every decision needs to be based on money. Could we pay off our house sooner if we didn't have pet care expenses? Yes, we probably could, but we don't choose to live our life that way. I am not criticizing those that do, but for some, gazelle intense 100% of the time is too much for them. The great news is that every person and family gets to live their debt-free journey on their terms. I find the variety of approaches taken by the #dfc to be inspiring and encouraging, and I love cheering people on to living a debt-free life they love.
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👉Have you chosen to do things on your debt-free journey that haven't made perfect financial sense even though you know is the right thing to do for you?
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#debtfreecommunity #financialliteracy #debtfreelife #debtfreelifestyle #debtfreegoals #debtfreeliving #intentialliving #livingintentionally #zerobasedbudget #budgeting #personalfinance #babysteps #babystep2 #totalmoneymakeover #livelikenooneelse #faithandfinance #homemaker #familygoals #debtpayoff #financialwellness #financialpeace #financialgoals #progressoverperfection #itsnevertoolate #savemoney
46 6 9 hours ago

😂⠀ ⠀⠀ ⠀
📷: @oliveetoriel

😂⠀ ⠀⠀ ⠀
📷: @oliveetoriel
634 26 9 hours ago

By the time we reach retirement age, a large part of earned income during our working years went towards paying interest on debts from mortgages, student loans, and credit card balances. As a result, our retirement savings plan suffers. But there is a better way: Debt Free Life (DFL) is an insurance solution that builds cash value over time to help you pay off debts.
As your cash value grows, you can eliminate debts incrementally and save the balance for retirement – without spending any extra money. Debt Free Life is the smart way to achieve financial freedom and retire with tax-favored income. Cheers to that!

Learn more about Debt Free Life at debtfree.guide

#debtfreejourney #debtfreecommunity #debtfreelife #debtfreelifeforyou
#debtfreeisthewaytobe #moneygoals #lifegoals #retirementgoals #keeponliving #peaceofmind #family #love #sfglife #insurtech #lifeinsurance

By the time we reach retirement age, a large part of earned income during our working years went towards paying interest on debts from mortgages, student loans, and credit card balances. As a result, our retirement savings plan suffers. But there is a better way: Debt Free Life (DFL) is an insurance solution that builds cash value over time to help you pay off debts. 
As your cash value grows, you can eliminate debts incrementally and save the balance for retirement – without spending any extra money. Debt Free Life is the smart way to achieve financial freedom and retire with tax-favored income. Cheers to that!

Learn more about Debt Free Life at debtfree.guide

#debtfreejourney #debtfreecommunity #debtfreelife #debtfreelifeforyou
#debtfreeisthewaytobe #moneygoals #lifegoals #retirementgoals #keeponliving #peaceofmind #family #love #sfglife #insurtech #lifeinsurance
5 0 9 hours ago

I started this account back in August when I discovered the #debtfreecommunity. I hoped it would keep me accountable...and it did...until it didn’t.
We were literally halfway done with #babystep1 and then we lost momentum. Heck, I even managed to pay off 1 of my credit cards! (That’s right, screw you Victoria Secret!) Everything I had learned and watched on YouTube videos got thrown out the window. It was my own fault. I’m ashamed but here I am, starting over from scratch. This time around I REFUSE to fail. I haven’t written down the exact numbers yet but we are about $85,000 in debt.
Although I’m TERRIFIED of looking at all the statements on everything we owe on, I know this is what me and A need. We need a reality check. I was going to wait until January to start on this journey for the second time but why wait? Payments don’t wait. Interest doesn’t wait and neither will we. The quicker we can complete #BS1, the quicker we start attacking our pile of debt. I’m more motivated and determined than ever. With that being said,
LET’S FUCKING DO THIS.
#debtfree #debtfreecommunity #debtfreejourney #debtfreegoals #daveramseybabysteps #daveramseybabysteps #babystep1 #bs1 #debtfreelife #debtfreeliving

I started this account back in August when I discovered the #debtfreecommunity. I hoped it would keep me accountable...and it did...until it didn’t. 
We were literally halfway done with #babystep1 and then we lost momentum. Heck, I even managed to pay off 1 of my credit cards! (That’s right, screw you Victoria Secret!) Everything I had learned and watched on YouTube videos got thrown out the window. It was my own fault. I’m ashamed but here I am, starting over from scratch. This time around I REFUSE to fail. I haven’t written down the exact numbers yet but we are about $85,000 in debt. 
Although I’m TERRIFIED of looking at all the statements on everything we owe on, I know this is what me and A need. We need a reality check. I was going to wait until January to start on this journey for the second time but why wait? Payments don’t wait. Interest doesn’t wait and neither will we. The quicker we can complete #BS1, the quicker we start attacking our pile of debt. I’m more motivated and determined than ever. With that being said, 
LET’S FUCKING DO THIS. 
#debtfree #debtfreecommunity #debtfreejourney #debtfreegoals #daveramseybabysteps #daveramseybabysteps #babystep1 #bs1 #debtfreelife #debtfreeliving
47 13 9 hours ago

Frugal Win!!! I found 2 good condition Malm Ikea nightstands for FREE on craigslist. They had tons of stickers stuck to them and it took some real patience and elbow grease to clean them up but it was worth it. Swipe to see the before

Most of our furniture is second hand. Actually ALL (but 2 pieces) of our furniture is second hand😂😂 Finding furniture new-to-us helps keep from adding more debt to our mountain. Very thankful for all my thrifty scores!
#debtfreelife #debtfreecommunity #livingthatbudgetlife #frugallife #thriftylife #secondhand

Frugal Win!!! I found 2 good condition Malm Ikea nightstands for FREE on craigslist. They had tons of stickers stuck to them and it took some real patience and elbow grease to clean them up but it was worth it. Swipe to see the before

Most of our furniture is second hand. Actually ALL (but 2 pieces) of our furniture is second hand😂😂 Finding furniture new-to-us helps keep from adding more debt to our mountain. Very thankful for all my thrifty scores! 
#debtfreelife #debtfreecommunity #livingthatbudgetlife #frugallife #thriftylife #secondhand
5 0 9 hours ago

QUICK!💄There's a #CharlotteTilbury £10 off code if you're on O2 Priority! 💄I've just ordered a sample size miracle glow plus two FREE samples and just paid delivery! 💄🤩👍🏻

QUICK!💄There's a #CharlotteTilbury £10 off code if you're on O2 Priority! 💄I've just ordered a sample size miracle glow plus two FREE samples and just paid delivery! 💄🤩👍🏻
19 7 10 hours ago

It’s almost year end, 2019 went by so fast! I was fortunate to participate at a vision board session last Saturday and it was heartwarming to see that many ppl were interesting in making the most of 2020! That being said, I drafted my goals for the new year already and I will assess how 2019 went to make sure my goals are realistic. As we near the end of the year, I will share with you some wins, losses, and lesson learned. Stay tune! Feel free to share some of your 2020 goals in the comments!
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#yearend #2020goals #2020vision #budgetplanner #moneymatters #debtfreelife #moneytip #moneytips #wealth #wealthbuilding #blackwomeninfinance #savings #financialindependence #debtfree #financialsuccess #debtfreegoals #reallifeonabudget #budgeting

It’s almost year end, 2019 went by so fast! I was fortunate to participate at a vision board session last Saturday and it was heartwarming to see that many ppl were interesting in making the most of 2020! That being said, I drafted my goals for the new year already and I will assess how 2019 went to make sure my goals are realistic. As we near the end of the year, I will share with you some wins, losses, and lesson learned. Stay tune! Feel free to share some of your 2020 goals in the comments!
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#yearend #2020goals #2020vision #budgetplanner #moneymatters #debtfreelife #moneytip #moneytips #wealth #wealthbuilding #blackwomeninfinance #savings #financialindependence #debtfree #financialsuccess #debtfreegoals #reallifeonabudget #budgeting
8 1 10 hours ago

Just received my Super Statement for 2018-2019 financial year.
Employer contribution:$5,305.16
Fees: $1,518.34
Money from investments: $7,717.16
Increase of: $11,503.98

I am with Aon Hewitt (SmartMonday) they are my employer's preferred super account and work contributes a few extra dollars to go towards fees.

I am pretty happy with this increase. •••••••••••••••••••••••••••••••••
#goodvibes #debtfreecommunity #debt #debtfreejourney #debtslave #debtfreeliving #heath #gym #chunky #organised #money #debtfreegoals #financialfreedom #financialgoals #budget #budgeting #debtfreelife #goals #planning #thebarefootinvestor #simplelife #keepitsimple #lovelife #aussiedebtfreecommunity #Australia #barefoot #money #work #debtfree #debtisdumb

Just received my Super Statement for 2018-2019 financial year.
Employer contribution:$5,305.16
Fees: $1,518.34
Money from investments: $7,717.16
Increase of: $11,503.98

I am with Aon Hewitt (SmartMonday) they are my employer's preferred super account and work contributes a few extra dollars to go towards fees.

I am pretty happy with this increase. •••••••••••••••••••••••••••••••••
#goodvibes #debtfreecommunity #debt #debtfreejourney #debtslave #debtfreeliving #heath #gym #chunky #organised #money #debtfreegoals #financialfreedom #financialgoals #budget #budgeting #debtfreelife #goals #planning #thebarefootinvestor #simplelife #keepitsimple #lovelife #aussiedebtfreecommunity #Australia #barefoot #money #work #debtfree #debtisdumb
34 2 10 hours ago

This year, our agents have helped more than 300,000 American families find the policy that's right for them.
Join the SFG family and protect every moment - every milestone, every cherished moment, and every setback.
Request a quote today! - - -

https://zurl.co/U2ke . . .

#DebtFreeLifeLuperAgency #DebtFreeLife #LuperAgency #SymmetryFinancialGroup #SFG #Life #LifeInsurance #Insurance #InsuranceProtection #MortgageProtection #Retirement #Retire #LongTerm #LongTermCare #FamilyFirst #ThinkAhead

This year, our agents have helped more than 300,000 American families find the policy that's right for them. 
Join the SFG family and protect every moment - every milestone, every cherished moment, and every setback. 
Request a quote today! - - -

https://zurl.co/U2ke . . .

#DebtFreeLifeLuperAgency #DebtFreeLife #LuperAgency #SymmetryFinancialGroup #SFG #Life #LifeInsurance #Insurance #InsuranceProtection #MortgageProtection #Retirement #Retire #LongTerm #LongTermCare #FamilyFirst #ThinkAhead
1 0 10 hours ago

Top #debtfreelife posts

So earlier this year we wrote a check for 21,800.67 to pay off the Jeep. We didn’t borrow this money, nor did we receive a settlement. The money came our bank account earned from hard work and strict budgeting ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
We don’t have kids yet and we were discussing our plans for when we became pregnant. We agreed on a goal to invest $30,000 in growth stock mutual funds for our kid before he / or she turned 1 years old ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
In doing so, if we get an 8% return on the $30,000 (in most cases average return). At the age of 24 (the average age that most people graduate) our kid will have $203,329.07 to start their young adult life 😳. That’s almost a quarter of a million dollars even if we never add a dime to the initial investment ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
So I posed the question, “with a great start like this does our kid even need to go to college”? Alicia responded “Absolutely”! The difference will be that we won’t be sending our kids to school to acquire skills to enter the work force to work as an employee (as we did). We will be sending them to school to acquire skills to manage what they already have. There is a big difference ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
It is amazing how your choice to live debt free can change the life’s of your family tree for generations to come. It’s truly humbling to know that because of our discipline we will be able to set up our future kids with choices and opportunities that we never had 🙏🏾 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
#worried2wealthy #debtfreejourney #debtfreecommunity

So earlier this year we wrote a check for 21,800.67 to pay off the Jeep. We didn’t borrow this money, nor did we receive a settlement. The money came our bank account earned from hard work and strict budgeting ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
We don’t have kids yet and we were discussing our plans for when we became pregnant. We agreed on a goal to invest $30,000 in growth stock mutual funds for our kid before he / or she turned 1 years old ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
In doing so, if we get an 8% return on the $30,000 (in most cases average return). At the age of 24 (the average age that most people graduate) our kid will have $203,329.07 to start their young adult life 😳. That’s almost a quarter of a million dollars even if we never add a dime to the initial investment ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
So I posed the question, “with a great start like this does our kid even need to go to college”? Alicia responded “Absolutely”! The difference will be that we won’t be sending our kids to school to acquire skills to enter the work force to work as an employee (as we did). We will be sending them to school to acquire skills to manage what they already have. There is a big difference ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
It is amazing how your choice to live debt free can change the life’s of your family tree for generations to come. It’s truly humbling to know that because of our discipline we will be able to set up our future kids with choices and opportunities that we never had 🙏🏾 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
#worried2wealthy #debtfreejourney #debtfreecommunity
708 60 11 December, 2019

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

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
1,382 276 3 December, 2019

AWESOME story. Congratulations, you guys!
#repost @__tiffany_mcginty

On October 16, 2019
30 months and 2 weeks
Here’s to many more adventures...
Livin’ a debt free life 🥳🙌🏽


We finally did it! $78,725.70 PAID OFF!


If you know us, my husband plans for our future and I’m the one that plans to do everything and anything right now. I wasn’t on board at first and then I saw how much more we can do for our future, for our family. Since the day we got married, we got serious on planning for our future - saying no and tackling all of our debts.
Between my husband and I, working 2 full time jobs, plus my husband working his side gig at McDonalds, living off of one paycheck, budgeting for every dollar, cutting down on going out to eat, meal prepping, canceled gym memberships & turned our garage into a gym (we budgeted for that), all bonuses went to paying off debt, canceled all cell phone insurance, bought-out our phones instead of leasing it, and canceled cable. You name it, we budget for it all - my husband currently in school for his MBA (cash flowing), our annual family vacation, and despite having to take a slight paused in our baby steps, as we welcomed the newest addition to our family. We live within our means and evicted Sallie Mae from our home at the same time!

Our end goal came down to crushing $39,147 in car loan, cutting up $12,232 in credit card debt (plasectomy 💳✂️), eliminating $8,573 in personal loan, and kicking Sallie Mae to the curb with a $18,746.70 student loan eliminated- NO MORE DEBT! On to Baby Step 3!

All thanks to @daveramsey and #financialpeaceuniversity
“Live like no one else today, so later you can live like no one else tomorrow.” Hoping to do our debt free scream live and in person on The Dave Ramsey Show!

#thedaveramseyshow #debtfreelife #totalmoneymakeover #financialfreedom #smartconference #daveramseybabysteps #daveramseypodcast #daveramseyplan #babystep3 #byebyedebts #byesalliemae #gazelleintense #livelikenooneelse #debtisnormalbeweird #straightouttadebt #livingdebtfree #livingourbestlife

AWESOME story. Congratulations, you guys! 
#repost @__tiffany_mcginty

On October 16, 2019
30 months and 2 weeks
Here’s to many more adventures...
Livin’ a debt free life 🥳🙌🏽
•
•
We finally did it! $78,725.70 PAID OFF!
•
•
If you know us, my husband plans for our future and I’m the one that plans to do everything and anything right now. I wasn’t on board at first and then I saw how much more we can do for our future, for our family. Since the day we got married, we got serious on planning for our future - saying no and tackling all of our debts.
Between my husband and I, working 2 full time jobs, plus my husband working his side gig at McDonalds, living off of one paycheck, budgeting for every dollar, cutting down on going out to eat, meal prepping, canceled gym memberships & turned our garage into a gym (we budgeted for that), all bonuses went to paying off debt, canceled all cell phone insurance, bought-out our phones instead of leasing it, and canceled cable. You name it, we budget for it all - my husband currently in school for his MBA (cash flowing), our annual family vacation, and despite having to take a slight paused in our baby steps, as we welcomed the newest addition to our family. We live within our means and evicted Sallie Mae from our home at the same time!

Our end goal came down to crushing $39,147 in car loan, cutting up $12,232 in credit card debt (plasectomy 💳✂️), eliminating $8,573 in personal loan, and kicking Sallie Mae to the curb with a $18,746.70 student loan eliminated- NO MORE DEBT! On to Baby Step 3!

All thanks to @daveramsey and #financialpeaceuniversity
“Live like no one else today, so later you can live like no one else tomorrow.” Hoping to do our debt free scream live and in person on The Dave Ramsey Show!

#thedaveramseyshow #debtfreelife #totalmoneymakeover #financialfreedom #smartconference #daveramseybabysteps #daveramseypodcast #daveramseyplan #babystep3 #byebyedebts #byesalliemae #gazelleintense #livelikenooneelse #debtisnormalbeweird #straightouttadebt #livingdebtfree #livingourbestlife
20,675 164 30 November, 2019

After 5 rounds of interviews, I found out I wasn’t selected for the position I applied for...and you know what? I’m OK! I thought I would be more upset than I actually am but I realized it isn’t the end of the world. They’ll be other opportunities!!! •••••••••••••••••••••••••••••••••••••••••••••••• #debtfreejourney #debtfreegoals #debtfreedom #debtisdumb #debtfreelife #debtpayoff #debtsnowball #financialfreedom #financialgoals #frugalliving #singledebtfreejourney #singledebtfreecommunity #singledebtfreegoals #sixfiguredebt #snowball #studentloans #zerobasedbudget

After 5 rounds of interviews, I found out I wasn’t selected for the position I applied for...and you know what? I’m OK! I thought I would be more upset than I actually am but I realized it isn’t the end of the world. They’ll be other opportunities!!! ••••••••••••••••••••••••••••••••••••••••••••••••#debtfreejourney #debtfreegoals #debtfreedom #debtisdumb #debtfreelife #debtpayoff #debtsnowball #financialfreedom #financialgoals #frugalliving #singledebtfreejourney #singledebtfreecommunity #singledebtfreegoals #sixfiguredebt #snowball #studentloans #zerobasedbudget
165 14 7 hours ago

😂⠀ ⠀⠀ ⠀
📷: @oliveetoriel

😂⠀ ⠀⠀ ⠀
📷: @oliveetoriel
634 26 9 hours ago

I wanted to become debt free because I wanted to travel. And not just a few hours to the lake. Nope. I wanted BIG, INTERNATIONAL travel. It was my debt free dream to travel to a place that captured my heart since my first French class when I was 15: Paris.⁠

This past month, Kyle and I were able to do a work/play trip to Europe. And I finally got to see Paris for the first time in my life.⁠

To say I was enamored is an understatement.⁠
Kyle was super impressed with the amount of French that I can speak.⁠
I impressed myself with the words I was able to remember after my last French class in college (something like, urm, 8 YEARS AGO).⁠

I remembered everything that 22-year-old Justine had started with my finances. And it's led me to some incredible places around this Earth.⁠

What country is on your debt free travel list? Even if you don't have immediate plans to visit, it's nice to put it on your list. Tell me below!⁠





#debtfreecommunity #debtfreejourney #debtfreemillennials #travel #travelmore #budgettravel #traveloften #budgettraveler #traveler #france #paris #eiffeltour #debtfreeliving #wanderlust #debtfreelife #debtfree

I wanted to become debt free because I wanted to travel. And not just a few hours to the lake. Nope. I wanted BIG, INTERNATIONAL travel. It was my debt free dream to travel to a place that captured my heart since my first French class when I was 15: Paris.⁠
⁠
This past month, Kyle and I were able to do a work/play trip to Europe. And I finally got to see Paris for the first time in my life.⁠
⁠
To say I was enamored is an understatement.⁠
Kyle was super impressed with the amount of French that I can speak.⁠
I impressed myself with the words I was able to remember after my last French class in college (something like, urm, 8 YEARS AGO).⁠
⁠
I remembered everything that 22-year-old Justine had started with my finances. And it's led me to some incredible places around this Earth.⁠
⁠
What country is on your debt free travel list? Even if you don't have immediate plans to visit, it's nice to put it on your list. Tell me below!⁠
⁠
⁠
⁠
⁠
⁠
#debtfreecommunity #debtfreejourney #debtfreemillennials #travel #travelmore #budgettravel #traveloften #budgettraveler #traveler #france #paris #eiffeltour #debtfreeliving #wanderlust #debtfreelife #debtfree
222 21 6 hours ago

Is this on someone's holiday wish list? 🎁 😂

Is this on someone's holiday wish list? 🎁 😂
1,708 64 8 December, 2019

4 tips to make your time worth the money 💰 ⁣

As I shared yesterday, I'm sourcing in Chicago and I had an EPIC thrift haul! (Working on a video to share with you all). It was my first time sourcing in the Midwest and I have very limited time, so I have to be as efficient as possible at the thrifts. I am constantly analyzing my profits and losses in my business in order to ensure everything is healthy. 📈⁣

One area, however, that can be a little sneakier to track is the cost of my time spent. Especially since sourcing is so fun for me! However, unless I am intentional and measure and track and improve this area, I risk wasting more time than needed. TIME > MONEY ⏰>💰⁣

I've been working on systems and processes to get more efficient to maximize my time and therefore profits. Speaking of, check out my last post to see how I got $100 off my total goodwill purchase! 🤑⁣

Here are some ways I try to be more efficient while sourcing, especially while traveling:⁣

💫I put a timer on my watch and I try to stay within 20 minute increments in different sections of the thrift store⁣
💫Visit highest profit margin sections first (for me that would be shoes, jackets, dresses and denim)⁣
💫Sort items into 3 piles ⁣
➡️ items that are damaged or too worn-to be put back⁣
➡️ items I know will sell and the price is right- take off hangers and put immediately into cart ☺️⁣
➡️ items I’m not too familiar with, may need further research - check recent completed sales of similar items⁣
💫Be okay walking away knowing you may have left some treasures⁣

So many of us have limited time to source due to schedules and busy lives so I'm hoping these tips can be helpful for you! 🤗⁣

❓What're some of your BEST time saving tips?❓⁣

#teachtothrift #poshmarktips #poshmark #resellerlife #thrifthaul

4 tips to make your time worth the money 💰 ⁣
⁣
As I shared yesterday, I'm sourcing in Chicago and I had an EPIC thrift haul! (Working on a video to share with you all). It was my first time sourcing in the Midwest and I have very limited time, so I have to be as efficient as possible at the thrifts.  I am constantly analyzing my profits and losses in my business in order to ensure everything is healthy. 📈⁣
⁣
One area, however, that can be a little sneakier to track is the cost of my time spent.  Especially since sourcing is so fun for me!  However, unless I am intentional and measure and track and improve this area, I risk wasting more time than needed.  TIME > MONEY ⏰>💰⁣
⁣
I've been working on systems and processes to get more efficient to maximize my time and therefore profits. Speaking of, check out my last post to see how I got $100 off my total goodwill purchase! 🤑⁣
⁣
Here are some ways I try to be more efficient while sourcing, especially while traveling:⁣
⁣
💫I put a timer on my watch and I try to stay within 20 minute increments in different sections of the thrift store⁣
💫Visit highest profit margin sections first (for me that would be shoes, jackets, dresses and denim)⁣
💫Sort items into 3 piles ⁣
➡️ items that are damaged or too worn-to be put back⁣
➡️ items I know will sell and the price is right- take off hangers and put immediately into cart ☺️⁣
➡️ items I’m not too familiar with, may need further research - check recent completed sales of similar items⁣
💫Be okay walking away knowing you may have left some treasures⁣
⁣
 So many of us have limited time to source due to schedules and busy lives so I'm hoping these tips can be helpful for you! 🤗⁣
⁣
❓What're some of your BEST time saving tips?❓⁣
⁣
#teachtothrift #poshmarktips #poshmark #resellerlife #thrifthaul
892 103 9 December, 2019