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debtfreeliving - 92.6k posts

Top Posts

  • #Repost @personalfinanceclub
• • •
Ashley and Amanda’s lives look almost identical during their working years. They both make the same at their job. Amanda’s apartment is a couple hundred bucks cheaper. She drives a car that’s a couple years older. She skips a couple fancy dinners out and cooks at home. No one even notices the difference looking from the outside looking in.⁣⁣⁣
⁣⁣
But at retirement the contrast is shocking. Amanda is a millionaire with unlimited options. Ashley stayed broke her whole life and will have to dramatically lower her standard of living to try to survive on a small social security check.⁣⁣⁣
⁣⁣⁣
This example uses average numbers, not some fantastical best case scenario. The average US household income is $59,000 per year or about $5,000/month, closer to $4,000/month after taxes. The US stock market has returned an average of about 10% per year over the last 100 years. But of course, inflation eats away at the value of money, so the “real” return over the last 100 years has been about 7%, the number used here. In the example above, the $2.1 million Amanda ends up with is spendable in today’s dollars!⁣⁣⁣
⁣⁣⁣
Check out some of my other posts on how to open a Roth IRA and what is a target date index fund to learn how to do this!⁣⁣⁣
⁣⁣⁣
Are you living below your means? Are you investing early and often? Are you more like Ashely or Amanda?⁣⁣⁣
⁣
This is a repost from my very first "Ashley vs Amanda" back when I had only like 100 followers, but I think it's worth it. This simple comparison represents the worst kept secret to building wealth: Live below your means and invest early and often.⁣
⁣⁣⁣.
.
#entrepreneurmindset #entrepreneurquotes #business #businesswoman #businesswoman #businessman #womeninbiz #womenempowerment #entrepreneurs #debtfreecommunity #debtfreejourney #debtfreeliving #daveramsey #daveramseybabysteps #lagos #abuja #nigeria #OVO #Earntheright #KingdomTake #FinancialFreedom #Financialpeaceuniversity #financialindependence #lawofattraction #budgeting #money #savings #
  • #Repost @personalfinanceclub
    • • •
    Ashley and Amanda’s lives look almost identical during their working years. They both make the same at their job. Amanda’s apartment is a couple hundred bucks cheaper. She drives a car that’s a couple years older. She skips a couple fancy dinners out and cooks at home. No one even notices the difference looking from the outside looking in.⁣⁣⁣
    ⁣⁣
    But at retirement the contrast is shocking. Amanda is a millionaire with unlimited options. Ashley stayed broke her whole life and will have to dramatically lower her standard of living to try to survive on a small social security check.⁣⁣⁣
    ⁣⁣⁣
    This example uses average numbers, not some fantastical best case scenario. The average US household income is $59,000 per year or about $5,000/month, closer to $4,000/month after taxes. The US stock market has returned an average of about 10% per year over the last 100 years. But of course, inflation eats away at the value of money, so the “real” return over the last 100 years has been about 7%, the number used here. In the example above, the $2.1 million Amanda ends up with is spendable in today’s dollars!⁣⁣⁣
    ⁣⁣⁣
    Check out some of my other posts on how to open a Roth IRA and what is a target date index fund to learn how to do this!⁣⁣⁣
    ⁣⁣⁣
    Are you living below your means? Are you investing early and often? Are you more like Ashely or Amanda?⁣⁣⁣

    This is a repost from my very first "Ashley vs Amanda" back when I had only like 100 followers, but I think it's worth it. This simple comparison represents the worst kept secret to building wealth: Live below your means and invest early and often.⁣
    ⁣⁣⁣.
    .
    #entrepreneurmindset #entrepreneurquotes #business #businesswoman #businesswoman #businessman #womeninbiz #womenempowerment #entrepreneurs #debtfreecommunity #debtfreejourney #debtfreeliving #daveramsey #daveramseybabysteps #lagos #abuja #nigeria #OVO #Earntheright #KingdomTake #FinancialFreedom #Financialpeaceuniversity #financialindependence #lawofattraction #budgeting #money #savings #
  • 767 45 17 March, 2019
  • Introduction post. Thank you 11.5k followers!! So excited to be part of your journey! For those who are new to my page, welcome! Shoot me a DM if you have any questions 😘😘
  • Introduction post. Thank you 11.5k followers!! So excited to be part of your journey! For those who are new to my page, welcome! Shoot me a DM if you have any questions 😘😘
  • 5,108 176 1 March, 2019
  • I write this with about 5% sarcasm and 95%determination. Apart of me looks at this number and rolls my eyes because really?! Another part of me is like only 85% to go. 💪🏿 I've decided we are going to be millionaires and I'm not playing around with the idea. We want to set ourselves up to live a financially independent lifestyle when we are around 50 to 55. 🌈

I asked the hubs what kinda job would he like after this military life and his response was "High School Basketball Coach." I say to him then that's what you're gonna do! 🏀

Have you calculated your Networth get? If not what are you waiting for? Try it!
  • I write this with about 5% sarcasm and 95%determination. Apart of me looks at this number and rolls my eyes because really?! Another part of me is like only 85% to go. 💪🏿 I've decided we are going to be millionaires and I'm not playing around with the idea. We want to set ourselves up to live a financially independent lifestyle when we are around 50 to 55. 🌈

    I asked the hubs what kinda job would he like after this military life and his response was "High School Basketball Coach." I say to him then that's what you're gonna do! 🏀

    Have you calculated your Networth get? If not what are you waiting for? Try it!
  • 2,316 98 19 March, 2019
  • There's always something to be grateful for. Always ❤️
  • There's always something to be grateful for. Always ❤️
  • 3,486 36 9 March, 2019

Latest Instagram Posts

  • Somehow I gained 25+ followers in the last 24 hours - 😳- WELCOME! I figured it was time for an introduction. 
Hi! I'm Bianca. I'm a 45 year old on a mission to become my best self. I have been w my husband the last 21 years, married for 15 years as of July. We have been through the HIGHEST of highs and the LOWEST of lows, & somehow we are still here. We have two amazing kiddos, J is 11 and Mad is 9. We adopted a fur baby last July 13th- Maggie May is definitely the piece of our family we never knew we were missing.  I have been a history teacher for 16 yrs, & a Beachbody coach for the about 3 years. We are from the midwest, but moved to San Antonio in 2003. 
I started this account a little over 3 years ago as a way to stay accountable for fitness. I have lost (and kept off) over 100 lbs in the last 3 years. I don't have a specific goal weight, my main goal is to be healthy & live a crazy long life so that I can be there for all the amazing adventures my kiddos will go through. In the last year my IG has become less about just my fitness plan, and more about my "Becoming". Healthy, happy, financially secure, LIVING my best life w/ the people I love. I have evolved from a VERY dark place to a version of me that I kind of dig. Rediscovering positivity, focusing on family, finding financial security after taking on a ridiculous amount of medical debt in the last 4 years, & simply discovering peace in my soul that was absent far too long. 
I have found a ton amount of support & encouragement through Instagram. A #fitfam and #debtfreecommunity I never expected would exist. People who challenge me, cheer me on, hold me accountable, and, most importantly, remind me no one is alone in this thing called life. I appreciate every single one of you who have followed me on this adventure, & I am so thankful for the tips, tricks, motivation and encouragement that has come from my #instafam !

#fitmom #fitwife #fitteacher #beachbody #beachbodyondemand #beachbodycoach #motivation
#debtfreejourney #debtfree #debtfreeliving #livewithless #financialfreedom #financialpeace #financialpeaceuniversity #financialhealth #liveonabudget #budgeting #daveramsey #simplify #momlife #goals
  • Somehow I gained 25+ followers in the last 24 hours - 😳- WELCOME! I figured it was time for an introduction.
    Hi! I'm Bianca. I'm a 45 year old on a mission to become my best self. I have been w my husband the last 21 years, married for 15 years as of July. We have been through the HIGHEST of highs and the LOWEST of lows, & somehow we are still here. We have two amazing kiddos, J is 11 and Mad is 9. We adopted a fur baby last July 13th- Maggie May is definitely the piece of our family we never knew we were missing. I have been a history teacher for 16 yrs, & a Beachbody coach for the about 3 years. We are from the midwest, but moved to San Antonio in 2003.
    I started this account a little over 3 years ago as a way to stay accountable for fitness. I have lost (and kept off) over 100 lbs in the last 3 years. I don't have a specific goal weight, my main goal is to be healthy & live a crazy long life so that I can be there for all the amazing adventures my kiddos will go through. In the last year my IG has become less about just my fitness plan, and more about my "Becoming". Healthy, happy, financially secure, LIVING my best life w/ the people I love. I have evolved from a VERY dark place to a version of me that I kind of dig. Rediscovering positivity, focusing on family, finding financial security after taking on a ridiculous amount of medical debt in the last 4 years, & simply discovering peace in my soul that was absent far too long.
    I have found a ton amount of support & encouragement through Instagram. A #fitfam and #debtfreecommunity I never expected would exist. People who challenge me, cheer me on, hold me accountable, and, most importantly, remind me no one is alone in this thing called life. I appreciate every single one of you who have followed me on this adventure, & I am so thankful for the tips, tricks, motivation and encouragement that has come from my #instafam !

    #fitmom #fitwife #fitteacher #beachbody #beachbodyondemand #beachbodycoach #motivation
    #debtfreejourney #debtfree #debtfreeliving #livewithless #financialfreedom #financialpeace #financialpeaceuniversity #financialhealth #liveonabudget #budgeting #daveramsey #simplify #momlife #goals
  • 20 2 1 hour ago
  • Keep moving forward
  • Keep moving forward
  • 6 1 1 hour ago
  • Not a huge week but we’re inching our way to UNDER $30k left in debt! Can’t wait!! <<< Started $65k Currently $30.6k >>> 👍🏼👍🏼👍🏼
  • Not a huge week but we’re inching our way to UNDER $30k left in debt! Can’t wait!! <<< Started $65k Currently $30.6k >>> 👍🏼👍🏼👍🏼
  • 11 1 1 hour ago
  • When my husband and I first got married, we were broke and in way over our heads. We bought a house with nothing down, filled it up with stuff using credit cards, and continued living paycheck to paycheck. 😬

We each got raises over the years, but it seemed like we never could get ahead. We were making more money, but we were still struggling. Why was that? 🤷‍♀️ Because every time we got a raise, we adjusted our lifestyle to match it. 
We had to change our mindset and our behavior to change our situation. 
It all started with a decision, and then gaining control over our income. Read more about how we changed and ended up paying off $40k of debt in 2 years. Link in bio. ❤
  • When my husband and I first got married, we were broke and in way over our heads. We bought a house with nothing down, filled it up with stuff using credit cards, and continued living paycheck to paycheck. 😬

    We each got raises over the years, but it seemed like we never could get ahead. We were making more money, but we were still struggling. Why was that? 🤷‍♀️ Because every time we got a raise, we adjusted our lifestyle to match it.
    We had to change our mindset and our behavior to change our situation.
    It all started with a decision, and then gaining control over our income. Read more about how we changed and ended up paying off $40k of debt in 2 years. Link in bio. ❤
  • 31 15 1 hour ago
  • The husband and I have returned from a wonderful 5 nights away celebrating our wedding anniversary, and although it wasn’t an expensive holiday, it still means the budget will be tight the next month with car and washing machine repairs needed, a dentist bill to pay, and a laptop repair that has sprung up on us while we were away! So today I am shopping my pantry and freezer! I’ve made a list of products we have and instead of running out to do groceries, today and tomorrow we’ll eat what we have on hand.
Tonight will be baked potatoes with cheese, Mexican seasoned chicken topped with salsa and sour cream. More options from shopping the pantry are tuna and corn patties, slow cooked roast chicken with veggies and gravy, stir fried beef with veggies and rice, chicken rissoles with chips, and I’m sure I can think up some more meals with what we have already!
#frugalliving #shoppingthepantry
  • The husband and I have returned from a wonderful 5 nights away celebrating our wedding anniversary, and although it wasn’t an expensive holiday, it still means the budget will be tight the next month with car and washing machine repairs needed, a dentist bill to pay, and a laptop repair that has sprung up on us while we were away! So today I am shopping my pantry and freezer! I’ve made a list of products we have and instead of running out to do groceries, today and tomorrow we’ll eat what we have on hand.
    Tonight will be baked potatoes with cheese, Mexican seasoned chicken topped with salsa and sour cream. More options from shopping the pantry are tuna and corn patties, slow cooked roast chicken with veggies and gravy, stir fried beef with veggies and rice, chicken rissoles with chips, and I’m sure I can think up some more meals with what we have already!
    #frugalliving #shoppingthepantry
  • 19 2 2 hours ago
  • Catch has been my favourite thing lately, I managed to get 1L Joico Shampoi + Conditioner and a pair of new balance sneakers for $67 and a 90 day SIM card with 102gb data for free! I signed up to be a club catch member monthly which I think is $6.50, and you can cancel after 3 months, but it has saved me heaps in added member discounts and on the shipping costs. It does make it a little tempting to buy things I don’t need though 🙊💸
  • Catch has been my favourite thing lately, I managed to get 1L Joico Shampoi + Conditioner and a pair of new balance sneakers for $67 and a 90 day SIM card with 102gb data for free! I signed up to be a club catch member monthly which I think is $6.50, and you can cancel after 3 months, but it has saved me heaps in added member discounts and on the shipping costs. It does make it a little tempting to buy things I don’t need though 🙊💸
  • 65 2 2 hours ago
  • My partner and I signed the lease for our new apartment! 🏡 •

We managed to get an all inclusive one bedroom apartment in Toronto for $1500. And when I say all inclusive I mean EVERYTHING - wifi, utilities, heat, hydro and laundry (woohoo to no more coin laundry). •

It’s a beautiful one bedroom apartment. All nicely renovated with fresh coats of paint, large windows and hardwood floor. I can’t wait to move in! •

How did we luck out in Toronto? We started to look at basement apartments. When we were looking, a lot of apartments and condos tested our budget. Not to mention so many Toronto apartment buildings have had bed bugs and other rodents. 🤢 •

Basement apartments are typically cheaper and have more amenities included. Most landlords live in the upper floors of the house and take pride in their houses, which transfers to the apartments  being in great shape and usually updated regularly. •

We also searched early so we could find the best deal and not feel rushed into finding something leading us to signing onto a place that we couldn’t afford or to a place we weren’t committed to for the long term. Our search included more than the downtown core too. The core is great but it’s so expensive with so many temptations! •

What are your tips for finding a nice rental unit in a big city? 🏠 •

PS. We didn’t take a picture with the lease and our keys so the swipe photo is an equally cute photo from a formal event earlier this month! 
PPS. Watch out for the blog post on how we furnished and decorated our apartment for $1000!
  • My partner and I signed the lease for our new apartment! 🏡 •

    We managed to get an all inclusive one bedroom apartment in Toronto for $1500. And when I say all inclusive I mean EVERYTHING - wifi, utilities, heat, hydro and laundry (woohoo to no more coin laundry). •

    It’s a beautiful one bedroom apartment. All nicely renovated with fresh coats of paint, large windows and hardwood floor. I can’t wait to move in! •

    How did we luck out in Toronto? We started to look at basement apartments. When we were looking, a lot of apartments and condos tested our budget. Not to mention so many Toronto apartment buildings have had bed bugs and other rodents. 🤢 •

    Basement apartments are typically cheaper and have more amenities included. Most landlords live in the upper floors of the house and take pride in their houses, which transfers to the apartments being in great shape and usually updated regularly. •

    We also searched early so we could find the best deal and not feel rushed into finding something leading us to signing onto a place that we couldn’t afford or to a place we weren’t committed to for the long term. Our search included more than the downtown core too. The core is great but it’s so expensive with so many temptations! •

    What are your tips for finding a nice rental unit in a big city? 🏠 •

    PS. We didn’t take a picture with the lease and our keys so the swipe photo is an equally cute photo from a formal event earlier this month!
    PPS. Watch out for the blog post on how we furnished and decorated our apartment for $1000!
  • 30 17 2 hours ago
  • My husband and I run our finances through joint accounts. We chose to put our money together within 6 months of dating because we knew where our relationship was headed and for us, joining our money together put us in a better financial position.

Joint accounts aren't for everyone. I know some people who have separate accounts and manage just fine, but for someone like my husband, joint accounts are heaven sent. He doesn't have to worry about any bills or payments to forward as everything is in one place and since I am managing it, the process is simplified.

Here are some reasons we chose to join our accounts: .
* All money comes into one account, allowing for more visibility of our finances
* Easier to budget and allocate funds
* Better transparency of savings and expenses
* Easier to track expenditure
* Less accounts to manage, less paperwork to handle

If you're working towards the same goals and same future plans, I personally don't see why our money should be separate. Again, this is what works for us, but if you're on the fence about joining your accounts or having trouble working a budget, give it a go. Remember though to notify your employer and any lenders/businesses that you have direct debits set up with of your change of bank details.

Curious to know, how do you manage your money? Separate or joint accounts?
  • My husband and I run our finances through joint accounts. We chose to put our money together within 6 months of dating because we knew where our relationship was headed and for us, joining our money together put us in a better financial position.

    Joint accounts aren't for everyone. I know some people who have separate accounts and manage just fine, but for someone like my husband, joint accounts are heaven sent. He doesn't have to worry about any bills or payments to forward as everything is in one place and since I am managing it, the process is simplified.

    Here are some reasons we chose to join our accounts: .
    * All money comes into one account, allowing for more visibility of our finances
    * Easier to budget and allocate funds
    * Better transparency of savings and expenses
    * Easier to track expenditure
    * Less accounts to manage, less paperwork to handle

    If you're working towards the same goals and same future plans, I personally don't see why our money should be separate. Again, this is what works for us, but if you're on the fence about joining your accounts or having trouble working a budget, give it a go. Remember though to notify your employer and any lenders/businesses that you have direct debits set up with of your change of bank details.

    Curious to know, how do you manage your money? Separate or joint accounts?
  • 33 4 2 hours ago
  • A F T E R P A Y. 
the biggest killer of my bank account. 
I continually fall into the trap of "it's only xx a fortnight, that's way better than xx in one go!" And then I'm trapped struggling to make the payments. It's the most embarrassing and frustrating thing. I've never missed a payment but in doing that, I put myself short each fortnight. 
When this is paid off I will definitely be getting rid of my account. 💢💢💢
  • A F T E R P A Y.
    the biggest killer of my bank account.
    I continually fall into the trap of "it's only xx a fortnight, that's way better than xx in one go!" And then I'm trapped struggling to make the payments. It's the most embarrassing and frustrating thing. I've never missed a payment but in doing that, I put myself short each fortnight.
    When this is paid off I will definitely be getting rid of my account. 💢💢💢
  • 4 1 3 hours ago
  • I’ve always been good with telling myself this. Early on I always kept 1000.00 in my savings account for “emergencies” but I can never deem anything emergent enough to use it.. and that’s how I gradually began saving more and lying to myself about being broke 🤣 &&& you’re probably wondering how I ended up in debt... well student loans were inevitable as I was not privileged enough to have an education fund, and growing up as the working poor I began to view vehicles as a symbol of wealth, success, not sure who I thought I needed to impress as most people who knew me then have likely forgotten about me now 😂... but it was an addiction that has added to my debt... no longer feel that way but it took time💁🏼‍♀️ #debtfreeliving #debtfreecommunity #livingdifferently #tolivedifferently #cantwaitfordavecars #nocarpayments #betterchoices #thedebtfreepenney
  • I’ve always been good with telling myself this. Early on I always kept 1000.00 in my savings account for “emergencies” but I can never deem anything emergent enough to use it.. and that’s how I gradually began saving more and lying to myself about being broke 🤣 &&& you’re probably wondering how I ended up in debt... well student loans were inevitable as I was not privileged enough to have an education fund, and growing up as the working poor I began to view vehicles as a symbol of wealth, success, not sure who I thought I needed to impress as most people who knew me then have likely forgotten about me now 😂... but it was an addiction that has added to my debt... no longer feel that way but it took time💁🏼‍♀️ #debtfreeliving #debtfreecommunity #livingdifferently #tolivedifferently #cantwaitfordavecars #nocarpayments #betterchoices #thedebtfreepenney
  • 7 0 3 hours ago
  • Who's with me?! 🙌🏻 Say no to unnecessary purchases. Say no to mindless consumerism. Say no to trying to impress people you don't even like.

Instead, say yes to being intentional with your money. Say yes to having an emergency fund so you don't go further into debt. Say yes to having sinking funds and saving up for items you want. Say yes to being frugal and making do with pre-loved items until you have saved up for the desired items.

Screw being a debt slave! Emancipate yourselves, my brothers and sisters!

#afterpay #zipmoney #debtisdumb #debtisslavery
  • Who's with me?! 🙌🏻 Say no to unnecessary purchases. Say no to mindless consumerism. Say no to trying to impress people you don't even like.

    Instead, say yes to being intentional with your money. Say yes to having an emergency fund so you don't go further into debt. Say yes to having sinking funds and saving up for items you want. Say yes to being frugal and making do with pre-loved items until you have saved up for the desired items.

    Screw being a debt slave! Emancipate yourselves, my brothers and sisters!

    #afterpay #zipmoney #debtisdumb #debtisslavery
  • 18 4 3 hours ago
  • In the interest of full disclosure, being honest, and taking responsibility, this is why I've started this Instagram. In the hopes that by bearing all, I find motivation and strength to chase a life beyond living paycheck to paycheck. 
While I do have money in savings accounts I can't touch, this is my every day account. The account my bank card is linked to, the account I spend from. And my god, do I spend from it. 😩

I still have just under a week until I get paid again. And I have $2. TWO DOLLARS. I'm crying writing this. I have had so much come up this week that has just put me so far towards the negatives it isn't even funny. 
The next few posts will be me explaining my fortnightly expenses while I try to figure out how to narrow it down for me and my daughter's future. 😓
  • In the interest of full disclosure, being honest, and taking responsibility, this is why I've started this Instagram. In the hopes that by bearing all, I find motivation and strength to chase a life beyond living paycheck to paycheck.
    While I do have money in savings accounts I can't touch, this is my every day account. The account my bank card is linked to, the account I spend from. And my god, do I spend from it. 😩

    I still have just under a week until I get paid again. And I have $2. TWO DOLLARS. I'm crying writing this. I have had so much come up this week that has just put me so far towards the negatives it isn't even funny.
    The next few posts will be me explaining my fortnightly expenses while I try to figure out how to narrow it down for me and my daughter's future. 😓
  • 7 1 3 hours ago
  • How true is this? I love being apart of such a great community of people looking to simplify their lives by owning less stuff!
  • How true is this? I love being apart of such a great community of people looking to simplify their lives by owning less stuff!
  • 9 1 3 hours ago
  • Hello!!!! I'm still getting questions about how I'm able to pay off my debt and what my budget looks like so I thought I'd share my #cashenvelope system 😁
.
I get paid twice a month and each check is usually a different amount, so I average out my checks to give me an idea of how to budget.
.
These are my cash envelopes. Each time I get paid, I withdraw the exact amount of cash needed to fill them up. I'm very fortunate to not have to pay rent at the place I'm staying so I can focus on my debt and bills. Here's the breakdown of what you see:
.
.
.
Travel- $75
Groceries- $100
Car Maintantence- $75
Gas- $65
Laundry- $10
Fun- $15
Animals- $20
.
.
The rest of my bills are paid online and are automatically taken out once a month on my first check. Everyone does their system differently and this is how I do mine. Each time I get paid, whatever is left in those envelopes that I did not spend, I put it all towards my debt on top of the minimum payment. For this time around, I get to add an additional $33.72 towards my lowest debt 😂 it doesn't seem like a lot, but I do that twice a month so I'm adding an extra $66 to my student loan 😁 and when I run out of funds from my envelope, I don't take money from my other ones. If I run out of my fun money in one day (like I will tonight), that's it. If I take from another pile, then what's the point of a budget? 😂😂😂 .
.
.
I love my envelopes because it keeps me grounded and honestly....using cash hurts 😅 but I'm less likely to spend more money if I use my cash so I'm okay with that! My goal is to be done with all of my debt by Oct 2019 and that will mean I'll have to say no to a lot of fun adventures and look for more activities that don't cost money, but once I'm debt free...haha my travel pile will be more like $300 a check and I'll be able to put a nice, big, FAT down payment away for my future house 😁and if you'd like to get some of these envelopes, @inspiredbudget gives them to you for FREE!!!! And the app I use to track my expenses is @everydollar, and @daveramsey is the one who teaches about the #Babysteps and how to get started crushing your debt! Have a nice weekend, succulents 💚
  • Hello!!!! I'm still getting questions about how I'm able to pay off my debt and what my budget looks like so I thought I'd share my #cashenvelope system 😁
    .
    I get paid twice a month and each check is usually a different amount, so I average out my checks to give me an idea of how to budget.
    .
    These are my cash envelopes. Each time I get paid, I withdraw the exact amount of cash needed to fill them up. I'm very fortunate to not have to pay rent at the place I'm staying so I can focus on my debt and bills. Here's the breakdown of what you see:
    .
    .
    .
    Travel- $75
    Groceries- $100
    Car Maintantence- $75
    Gas- $65
    Laundry- $10
    Fun- $15
    Animals- $20
    .
    .
    The rest of my bills are paid online and are automatically taken out once a month on my first check. Everyone does their system differently and this is how I do mine. Each time I get paid, whatever is left in those envelopes that I did not spend, I put it all towards my debt on top of the minimum payment. For this time around, I get to add an additional $33.72 towards my lowest debt 😂 it doesn't seem like a lot, but I do that twice a month so I'm adding an extra $66 to my student loan 😁 and when I run out of funds from my envelope, I don't take money from my other ones. If I run out of my fun money in one day (like I will tonight), that's it. If I take from another pile, then what's the point of a budget? 😂😂😂 .
    .
    .
    I love my envelopes because it keeps me grounded and honestly....using cash hurts 😅 but I'm less likely to spend more money if I use my cash so I'm okay with that! My goal is to be done with all of my debt by Oct 2019 and that will mean I'll have to say no to a lot of fun adventures and look for more activities that don't cost money, but once I'm debt free...haha my travel pile will be more like $300 a check and I'll be able to put a nice, big, FAT down payment away for my future house 😁and if you'd like to get some of these envelopes, @inspiredbudget gives them to you for FREE!!!! And the app I use to track my expenses is @everydollar, and @daveramsey is the one who teaches about the #Babysteps and how to get started crushing your debt! Have a nice weekend, succulents 💚
  • 46 5 3 hours ago
  • Now that's a front yard! Our friends @theadventureorbust built their #skoolie to live simply, save money and spend more time on their hobbies like fishing. 🌅🚌 Watch the tour—link in bio.
  • Now that's a front yard! Our friends @theadventureorbust built their #skoolie to live simply, save money and spend more time on their hobbies like fishing. 🌅🚌 Watch the tour—link in bio.
  • 156 7 4 hours ago
  • One HUGE thing I learned from soccer is that there will always be better. 🤷‍♀️ For soccer, there could always be someone faster than me, who had better ball skills, a better shooter, who had better timing, taller, stronger...there will always be better! If not in my league or division, then in another one!👉
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There was a point where I had to stop comparing, it was making me hesitant AF to trust myself & the doubt quite frankly made me a shittier player!🤦‍♀️ I had to just zone out all the things I couldn’t do yet, and focus on the now. Improve one little step at a time. And not get so caught up in what other people were doing to the point of driving myself nuts 🥜 ➖
In wealth building, the EXACT same comparisons can come over you! ☝️If you constantly compare yourself to others, whether that be your friends, family, coworkers, bosses, even random people you read about in a blog, there will always be better!
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What’s so key, is to fall in love with PROGRESSING and not compare yourself to others to the point where you can no longer focus & be happy in the now✨
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Just work on making your own wallet situation a little better each day, and be proud of how far you’ve come!🙆‍♀️
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Sure, it’s fun to chase goals and work your butt off to improve, but all I want to say is DO NOT let that define your own identity, confidence, & happiness!✨
  • One HUGE thing I learned from soccer is that there will always be better. 🤷‍♀️ For soccer, there could always be someone faster than me, who had better ball skills, a better shooter, who had better timing, taller, stronger...there will always be better! If not in my league or division, then in another one!👉

    There was a point where I had to stop comparing, it was making me hesitant AF to trust myself & the doubt quite frankly made me a shittier player!🤦‍♀️ I had to just zone out all the things I couldn’t do yet, and focus on the now. Improve one little step at a time. And not get so caught up in what other people were doing to the point of driving myself nuts 🥜 ➖
    In wealth building, the EXACT same comparisons can come over you! ☝️If you constantly compare yourself to others, whether that be your friends, family, coworkers, bosses, even random people you read about in a blog, there will always be better!

    What’s so key, is to fall in love with PROGRESSING and not compare yourself to others to the point where you can no longer focus & be happy in the now✨

    Just work on making your own wallet situation a little better each day, and be proud of how far you’ve come!🙆‍♀️

    Sure, it’s fun to chase goals and work your butt off to improve, but all I want to say is DO NOT let that define your own identity, confidence, & happiness!✨
  • 22 3 4 hours ago
  • “I don’t have time”

The biggest lie we tell ourselves and here’s why. Most of my followers are women, a lot of them are moms. We, in general, spend so much time taking care of evvvvvvverybody else that we don’t take care of ourselves.

You do have time. You have to make time. This goes for working out, hair appointments, being intimate with your partner, anything.

But I’m not talking about that. For ME, I WANTED a side hustle so bad. I wanted to do something outside of my 40 hours a week where I could pour my passion for health and wellness into something that would bring me not just an income stream but bring me JOY and give me the chance to be MYSELF fully and completely.

Enter coaching. Beachbody has given me a side business that I truly LOVE. A side business where I can FaceTime my friends turned business partners at 5am and work out together because WE MAKE TIME FOR THIS. Why? Because we freaking love what we do.

I am looking for 5 women who want something more for themselves. Who are looking to get serious and change their body and mind while helping others do the same. I PROMISE YOU, you have time for this.

This opportunity has given me purpose beyond my duties as a wife, and mother, and manager. I am a COACH.

Want more information? Fill out the application in my bio and you’ll hear from me soon. #bossbabes #sidehustle #fitnessinfluencer
  • “I don’t have time”

    The biggest lie we tell ourselves and here’s why. Most of my followers are women, a lot of them are moms. We, in general, spend so much time taking care of evvvvvvverybody else that we don’t take care of ourselves.

    You do have time. You have to make time. This goes for working out, hair appointments, being intimate with your partner, anything.

    But I’m not talking about that. For ME, I WANTED a side hustle so bad. I wanted to do something outside of my 40 hours a week where I could pour my passion for health and wellness into something that would bring me not just an income stream but bring me JOY and give me the chance to be MYSELF fully and completely.

    Enter coaching. Beachbody has given me a side business that I truly LOVE. A side business where I can FaceTime my friends turned business partners at 5am and work out together because WE MAKE TIME FOR THIS. Why? Because we freaking love what we do.

    I am looking for 5 women who want something more for themselves. Who are looking to get serious and change their body and mind while helping others do the same. I PROMISE YOU, you have time for this.

    This opportunity has given me purpose beyond my duties as a wife, and mother, and manager. I am a COACH.

    Want more information? Fill out the application in my bio and you’ll hear from me soon. #bossbabes #sidehustle #fitnessinfluencer
  • 57 2 5 hours ago
  • Five dollars under budget!

I’ll be honest, I thought I was going to go over my budget so I skipped the wine on our list! I planned on shopping Tuesday morning, but here we are three days later 🤷🏻‍♀️ This will still last us for a week!

I was shocked when the cashier said my total was under 40 dollars 😱 I had even brought an extra $20 cash just in case!

Meal planning is an essential part of how we save money each month. If you have tried planning meals based on what you already have at home, what’s holding you back? It takes me ten minutes to do an inventory of what we have and to plan meals accordingly.

Did you stick to your list this week? 🤔🤗
  • Five dollars under budget!

    I’ll be honest, I thought I was going to go over my budget so I skipped the wine on our list! I planned on shopping Tuesday morning, but here we are three days later 🤷🏻‍♀️ This will still last us for a week!

    I was shocked when the cashier said my total was under 40 dollars 😱 I had even brought an extra $20 cash just in case!

    Meal planning is an essential part of how we save money each month. If you have tried planning meals based on what you already have at home, what’s holding you back? It takes me ten minutes to do an inventory of what we have and to plan meals accordingly.

    Did you stick to your list this week? 🤔🤗
  • 59 21 5 hours ago
  • For the second month in a row we are over our grocery budget even though we've raised it considerably. We're only 2 people but #budgetstruggles .

#smallwins even though we are over budget, simply being aware of the how much we're spending on food has cut it down by more than half of our before budgeting numbers.

#debtfreecommunity #debtfreejourney #budgeting
  • For the second month in a row we are over our grocery budget even though we've raised it considerably. We're only 2 people but #budgetstruggles .

    #smallwins even though we are over budget, simply being aware of the how much we're spending on food has cut it down by more than half of our before budgeting numbers.

    #debtfreecommunity #debtfreejourney #budgeting
  • 16 3 5 hours ago
  • Spent my Friday night totalling up the money I’ve made from side hustles so far this month. Alllll of this is heading to my lifetime ISA before the April 5th deadline for the tax year. So close to cashing out on vypr & enlightly so that’ll be added to the pot. I also want to reach £25 on prolific so I’ll be watching that homepage like a hawk for any new studies 😅 #sidehustles #savingmoney #makingmoney #ukdebtfreecommunity #debtfreeliving #savingschallenge #savingmode
  • Spent my Friday night totalling up the money I’ve made from side hustles so far this month. Alllll of this is heading to my lifetime ISA before the April 5th deadline for the tax year. So close to cashing out on vypr & enlightly so that’ll be added to the pot. I also want to reach £25 on prolific so I’ll be watching that homepage like a hawk for any new studies 😅 #sidehustles #savingmoney #makingmoney #ukdebtfreecommunity #debtfreeliving #savingschallenge #savingmode
  • 10 0 6 hours ago
  • Shout out to all the Solo debt free journey goers! .
Who knew doing the Dave Ramsey plan by yourself could be so hard.... not that I thought it would be easy, but without that person to do it with - makes it more difficult! .
I suppose the plus side, for me, is that the total debt is smaller (because it was one person racking it up!). But then there’s just that one income to start attacking it! And the side hustles of course! .
Keeping yourself motivated is HARD, like really HARD!!!!! .
But I was lucky enough to have my bestie following the plan from MI, at least I had someone to talk to about things!
.
What’s the trickiest thing you’ve found about doing this journey alone or with your partner?
  • Shout out to all the Solo debt free journey goers! .
    Who knew doing the Dave Ramsey plan by yourself could be so hard.... not that I thought it would be easy, but without that person to do it with - makes it more difficult! .
    I suppose the plus side, for me, is that the total debt is smaller (because it was one person racking it up!). But then there’s just that one income to start attacking it! And the side hustles of course! .
    Keeping yourself motivated is HARD, like really HARD!!!!! .
    But I was lucky enough to have my bestie following the plan from MI, at least I had someone to talk to about things!
    .
    What’s the trickiest thing you’ve found about doing this journey alone or with your partner?
  • 19 10 6 hours ago
  • We’re loving sunny San Diego! ☀️We came down here for the #doterra Leadership retreat this week and we’re staying a little longer because there’s so many great places to go here! I’m so grateful for the opportunity to be flexible in my life, and the health to enjoy it! I really owe it all to essential oils! I’m not in pain from Crohn’s disease anymore and by sharing what’s helped me and my family, I’m able to create an income. It’s pretty amazing. I’d love to share that with you, because anyone can do this business. Do you have a physical, emotional, and financial struggle in your life? I’d love to give you some info on how plant based medicine can help you. #gamechangers #uplevelyourlife #fulltimetravel #plantbasedlifestyle
  • We’re loving sunny San Diego! ☀️We came down here for the #doterra Leadership retreat this week and we’re staying a little longer because there’s so many great places to go here! I’m so grateful for the opportunity to be flexible in my life, and the health to enjoy it! I really owe it all to essential oils! I’m not in pain from Crohn’s disease anymore and by sharing what’s helped me and my family, I’m able to create an income. It’s pretty amazing. I’d love to share that with you, because anyone can do this business. Do you have a physical, emotional, and financial struggle in your life? I’d love to give you some info on how plant based medicine can help you. #gamechangers #uplevelyourlife #fulltimetravel #plantbasedlifestyle
  • 40 1 7 hours ago
  • So here it is. The newest goal for our family is to save 100k before we leave the West Coast. More would be nice but this is already a stretch of a number. When you think about setting up annual sinking funds, and maxing out ESAs and Roth IRAs it's leaves us with enough to save 100k in 5 years.

But we all know numbers cant calculate our Hustle, our Blessings, and our ability to make things happen. So I don't look at this number in fear but just another goal to crush.

We plan to buy a home in about 7 years, and it would be nice if we could cover 40 to 50 percent of the cost upfront. 
I will start tracking our progress in April. I plan to open a CD soon that has 3.5% APY. This is probably not a popular option for some folks but I definitely think it's they way to go for us.

Where do you see your financial self in 3.5 years?
  • So here it is. The newest goal for our family is to save 100k before we leave the West Coast. More would be nice but this is already a stretch of a number. When you think about setting up annual sinking funds, and maxing out ESAs and Roth IRAs it's leaves us with enough to save 100k in 5 years.

    But we all know numbers cant calculate our Hustle, our Blessings, and our ability to make things happen. So I don't look at this number in fear but just another goal to crush.

    We plan to buy a home in about 7 years, and it would be nice if we could cover 40 to 50 percent of the cost upfront.
    I will start tracking our progress in April. I plan to open a CD soon that has 3.5% APY. This is probably not a popular option for some folks but I definitely think it's they way to go for us.

    Where do you see your financial self in 3.5 years?
  • 340 26 7 hours ago
  • I haven't posted in a while and I was preparing this for someone else (long story) so it's going here too 😉.
.
I totally didn't realize how little income we had during this time until I looked back at the numbers today!
.
While earning more income reaaaally can help with certain goals, you CAN live within your income!
.
Seriously. You can do it 🙂. You might have to drive an older car, move to a cheaper place, go to a cheaper school, etc. But I think most of the time it's more possible than people make it out to be.
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PS... Lil ones face 😅. She was mad we made her wear those boots and smiled as soon as they were off.
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.
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#debtfreecommunity #debtfreeliving #debtfreestory #debtfree #frugalliving #forgetthejoneses #babysteps #budget #financialfreedom #financialindependence #yougotthis
  • I haven't posted in a while and I was preparing this for someone else (long story) so it's going here too 😉.
    .
    I totally didn't realize how little income we had during this time until I looked back at the numbers today!
    .
    While earning more income reaaaally can help with certain goals, you CAN live within your income!
    .
    Seriously. You can do it 🙂. You might have to drive an older car, move to a cheaper place, go to a cheaper school, etc. But I think most of the time it's more possible than people make it out to be.
    .
    PS... Lil ones face 😅. She was mad we made her wear those boots and smiled as soon as they were off.
    .
    .
    .
    .
    .
    #debtfreecommunity #debtfreeliving #debtfreestory #debtfree #frugalliving #forgetthejoneses #babysteps #budget #financialfreedom #financialindependence #yougotthis
  • 182 3 7 hours ago
  • Life happens to all of our budgets.
•
It doesn’t matter what baby step you are on, life will happen and unexpected expenses will come up. Personally, I like to update my budget every day manually to make sure I am hitting the goals we have set for that month. First things that lose allocated money in my budget are personal spending money, restaurants and entertainment. My goals are more important to me than that sushi train or fresh new kicks.
•
It’s easy to get overwhelmed when a budget isn’t going as you planned, but try to be agile and shift money around to make it work. You may have to sell some things, work overtime or a second job to hit your goals or even stay afloat. Most importantly, don’t ever give up.
•
Financial coaching services available. Visit my website to learn more and schedule a free consultation to talk about your life and your money.
  • Life happens to all of our budgets.

    It doesn’t matter what baby step you are on, life will happen and unexpected expenses will come up. Personally, I like to update my budget every day manually to make sure I am hitting the goals we have set for that month. First things that lose allocated money in my budget are personal spending money, restaurants and entertainment. My goals are more important to me than that sushi train or fresh new kicks.

    It’s easy to get overwhelmed when a budget isn’t going as you planned, but try to be agile and shift money around to make it work. You may have to sell some things, work overtime or a second job to hit your goals or even stay afloat. Most importantly, don’t ever give up.

    Financial coaching services available. Visit my website to learn more and schedule a free consultation to talk about your life and your money.
  • 270 6 7 hours ago
  • Short answer: I don’t know.
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Long answer: if it’s a certain type of person you can definitely ask or tactfully bring it up. With most of my friends I have requested that we don’t buy each other gifts anymore and take ourselves out for a nice dinner instead.
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I know my in-laws would prefer not to stop giving gifts, which is fine, so they encourage us to suggest what gifts we would like and we do!
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I know it’s hard, but I am constantly reminding myself that the purpose of a gift has been fulfilled once it has been given. We work hard to cultivate a certain type of home. We shouldn’t feel guilty for not keeping things that don’t fit with our vision.
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And lastly, if you like a gift, you should keep it!
  • Short answer: I don’t know.
    -
    Long answer: if it’s a certain type of person you can definitely ask or tactfully bring it up. With most of my friends I have requested that we don’t buy each other gifts anymore and take ourselves out for a nice dinner instead.
    -
    I know my in-laws would prefer not to stop giving gifts, which is fine, so they encourage us to suggest what gifts we would like and we do!
    -
    I know it’s hard, but I am constantly reminding myself that the purpose of a gift has been fulfilled once it has been given. We work hard to cultivate a certain type of home. We shouldn’t feel guilty for not keeping things that don’t fit with our vision.
    -
    And lastly, if you like a gift, you should keep it!
  • 132 22 8 hours ago
  • It's something that we don't usually think twice about when we're at the cashier and the lady behind the counter asks "would you like to upsize your drink for $0.25?". If you are the type of person who drinks a lot in between meals or if you know that grande is the right amount of coffee you need to jumpstart your day, then go ahead and upsize. But if you are upsizing just because you think it's only a few more cents. Think about just how much (or, in this case, how little) soda/coffee you can actually drink. Even if it's just ten-cents, if you eat-out everyday, you'll save a dollar over ten days. Better yet, I invite you to use the question "Do you want to upsize?" to re-think if #thereisanotherway that you can have a meal and save money - like just order your burger and ask for a glass of water... keep the treat and save money! #winwin #yourmoneymatters2019
  • It's something that we don't usually think twice about when we're at the cashier and the lady behind the counter asks "would you like to upsize your drink for $0.25?". If you are the type of person who drinks a lot in between meals or if you know that grande is the right amount of coffee you need to jumpstart your day, then go ahead and upsize. But if you are upsizing just because you think it's only a few more cents. Think about just how much (or, in this case, how little) soda/coffee you can actually drink. Even if it's just ten-cents, if you eat-out everyday, you'll save a dollar over ten days. Better yet, I invite you to use the question "Do you want to upsize?" to re-think if #thereisanotherway that you can have a meal and save money - like just order your burger and ask for a glass of water... keep the treat and save money! #winwin #yourmoneymatters2019
  • 10 1 21 March, 2019