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  • BUDGETS WORK.
Commitment. Focus. Plan. Implement. Adjust. Repeat. 📍I look at my budget EVERY SINGLE DAY right now. 🗓  It won't always have to be this way, but when you have A BIG GOAL to FIRST become DEBT FREE, don't let it stop being your #1 HOBBY.
  • BUDGETS WORK.
    Commitment. Focus. Plan. Implement. Adjust. Repeat. 📍I look at my budget EVERY SINGLE DAY right now. 🗓 It won't always have to be this way, but when you have A BIG GOAL to FIRST become DEBT FREE, don't let it stop being your #1 HOBBY.
  • 1,975 110 9 March, 2019
  • Sorry we can’t all be you @arianagrande 😭😭
  • Sorry we can’t all be you @arianagrande 😭😭
  • 4,216 182 19 March, 2019
  • Hello #dfc ! My wcw goes out to this lady here. My parents were hardcore frugal! They literally had #cashenvelopes before I even knew what that was. My dad would give my mom grocery money every week and she would save all her nickels and dimes left over. I was the only daughter of 5, so of course I’m the princess. One day, she saved enough money to buy me a doll at Kmart. She told me to tell my dad I got it from my teacher. Of course, he didn’t believe her. He played bad cop and threw the doll and made her return it (we just didn’t have the luxury to get toys Willy nilly). I remember that day. She drove me back to Kmart and cried all the way there. She cried all the way back home. My mom wanted to give me the world when she couldn’t. She’s pulled so much weight for her family. She worked 7 days a week to pay off mortgage and 2 cars when my dad was laid off for 2 years when I was in elementary. She never made my dad feel less than. She kept her head down and did what she could for her family. It makes me want to succeed so I can give her the world. I pray to be as loving as she is as a mother, a wife, and a genuinely good person. #girlsruntheworld 
Edit: I know this was a post to honor my mom, but I wanted to clear some things up about my dad bc Instagram thinks I abused my response button and won’t let me respond anymore lol. The reason he didn’t let us keep the doll is bc he was making $10 an hour as a janitor. (I’ve written about him in an earlier post if you want to read it). He also has 5 kids so it’s not fair if I got something and my broskis didn’t! He ALSO has family back in Vietnam (parents and siblings) that he would send (and still does) money to every 3 months. No I don’t resent my dad. He believed in saving for a greater cause. So although my mom saved for my doll, he didn’t believe in buying things that won’t be needed in a few years. Thanks to his strict budgeting, he made life a lot easier for us. He bought all of us brand new cars when we learned to drive and paid for our insurances up until we found “adult jobs” just wanted to clear the air lol
  • Hello #dfc ! My wcw goes out to this lady here. My parents were hardcore frugal! They literally had #cashenvelopes before I even knew what that was. My dad would give my mom grocery money every week and she would save all her nickels and dimes left over. I was the only daughter of 5, so of course I’m the princess. One day, she saved enough money to buy me a doll at Kmart. She told me to tell my dad I got it from my teacher. Of course, he didn’t believe her. He played bad cop and threw the doll and made her return it (we just didn’t have the luxury to get toys Willy nilly). I remember that day. She drove me back to Kmart and cried all the way there. She cried all the way back home. My mom wanted to give me the world when she couldn’t. She’s pulled so much weight for her family. She worked 7 days a week to pay off mortgage and 2 cars when my dad was laid off for 2 years when I was in elementary. She never made my dad feel less than. She kept her head down and did what she could for her family. It makes me want to succeed so I can give her the world. I pray to be as loving as she is as a mother, a wife, and a genuinely good person. #girlsruntheworld
    Edit: I know this was a post to honor my mom, but I wanted to clear some things up about my dad bc Instagram thinks I abused my response button and won’t let me respond anymore lol. The reason he didn’t let us keep the doll is bc he was making $10 an hour as a janitor. (I’ve written about him in an earlier post if you want to read it). He also has 5 kids so it’s not fair if I got something and my broskis didn’t! He ALSO has family back in Vietnam (parents and siblings) that he would send (and still does) money to every 3 months. No I don’t resent my dad. He believed in saving for a greater cause. So although my mom saved for my doll, he didn’t believe in buying things that won’t be needed in a few years. Thanks to his strict budgeting, he made life a lot easier for us. He bought all of us brand new cars when we learned to drive and paid for our insurances up until we found “adult jobs” just wanted to clear the air lol
  • 4,032 205 20 March, 2019
  • This is a big part of my Why. Last year I was listening to a TED talk and it made me realize that I was using the excuse of not having a partner/husband as a reason to not take my finances seriously. I was waiting to get myself together but I wanted a man who already was financially secure. That kick in the butt is what lead me to find the Ramsey baby steps! It’s been 9 months of taking charge of my own life and loving it!
  • This is a big part of my Why. Last year I was listening to a TED talk and it made me realize that I was using the excuse of not having a partner/husband as a reason to not take my finances seriously. I was waiting to get myself together but I wanted a man who already was financially secure. That kick in the butt is what lead me to find the Ramsey baby steps! It’s been 9 months of taking charge of my own life and loving it!
  • 2,269 25 10 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
  • TGIF! ✨ Spend it wisely!
  • TGIF! ✨ Spend it wisely!
  • 2,995 48 15 March, 2019
  • I can't believe this. I'm down to four figures. I can see the finish line! I never thought I'd be able to do this; this really seems unreal to me. I'm such a spender, you guys. I hated the feeling of losing control of myself, and now, I'm so much happier spending within the budget. ❤
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I do still give myself $50/month to spend on "fun." That means if I want to spend $50 at Barnes & Noble on March 1st, that's fine, but it's all I get for the rest of the month. It lets me scratch that spending itch, but it also keeps me in control. I plan for it, so I don't have guilt. #donttelldave 🤷🏼‍♀️
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This is what works for me. Do what works for YOU. Whatever keeps you moving forward, GREAT. Do that. Giving myself a small amount of fun money rewards me for all my hard work. $50 is a very low percentage of my income, so I don't feel it slow me down at all. ✊
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You can do it, frugal friends. Sending you all my vibes. ✌
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Let no debt remain outstanding, except the continuing debt to love one another.
🖤 Romans 13:8 🖤
  • I can't believe this. I'm down to four figures. I can see the finish line! I never thought I'd be able to do this; this really seems unreal to me. I'm such a spender, you guys. I hated the feeling of losing control of myself, and now, I'm so much happier spending within the budget. ❤
    .
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    I do still give myself $50/month to spend on "fun." That means if I want to spend $50 at Barnes & Noble on March 1st, that's fine, but it's all I get for the rest of the month. It lets me scratch that spending itch, but it also keeps me in control. I plan for it, so I don't have guilt. #donttelldave 🤷🏼‍♀️
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    .
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    This is what works for me. Do what works for YOU. Whatever keeps you moving forward, GREAT. Do that. Giving myself a small amount of fun money rewards me for all my hard work. $50 is a very low percentage of my income, so I don't feel it slow me down at all. ✊
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    You can do it, frugal friends. Sending you all my vibes. ✌
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    Let no debt remain outstanding, except the continuing debt to love one another.
    🖤 Romans 13:8 🖤
  • 2,812 128 6 March, 2019

Latest Instagram Posts

  • — does anyone else feel like they say this more now since starting their #debtfreejourney? •
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Tonight, for instance, we went to the park to meet with some family in town and it ended up being later than normal and it was past dinner time! We wanted to just run and grab something quick to eat and go home, but we knew that we budgeted for 2 times eating out this month and our second one is tomorrow for our sons bday! #decisions
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Is it worth it to say no to these things... absolutely. Does it stink sometimes.... absolutely. Do you want to give in sometimes... for sure.. When you think about everything you will gain in the end, it will be worth it! •
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#justsayno #sacrifices #debtfreecommunity
  • — does anyone else feel like they say this more now since starting their #debtfreejourney ? •

    Tonight, for instance, we went to the park to meet with some family in town and it ended up being later than normal and it was past dinner time! We wanted to just run and grab something quick to eat and go home, but we knew that we budgeted for 2 times eating out this month and our second one is tomorrow for our sons bday! #decisions


    Is it worth it to say no to these things... absolutely. Does it stink sometimes.... absolutely. Do you want to give in sometimes... for sure.. When you think about everything you will gain in the end, it will be worth it! •

    #justsayno #sacrifices #debtfreecommunity
  • 0 1 4 minutes ago
  • Let me start by saying this, for those wanting to comment on how gross my oven was, please don't waste your time. I know my oven was DISGUSTING!! I attempted to clean it about 4 years ago, and the chemicals in the product made me SO, SO SO sick 🤢 that I have been too scared to try again.....UNTIL TODAY!
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@cleanedbykoh is AH-MAZ-ING!!!! It's eco-friendly and has no odour. It eats away the grease right in front of your eyes. I am hooked!! I also cleaned my shower and am super happy to be able to throw away all my chemical filled cleaning products. Use the link in my bio to get yours!
  • Let me start by saying this, for those wanting to comment on how gross my oven was, please don't waste your time. I know my oven was DISGUSTING!! I attempted to clean it about 4 years ago, and the chemicals in the product made me SO, SO SO sick 🤢 that I have been too scared to try again.....UNTIL TODAY!
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    @cleanedbykoh is AH-MAZ-ING!!!! It's eco-friendly and has no odour. It eats away the grease right in front of your eyes. I am hooked!! I also cleaned my shower and am super happy to be able to throw away all my chemical filled cleaning products. Use the link in my bio to get yours!
  • 1 1 6 minutes ago
  • You guys!! 💁🏾‍♀️
...I’ve been an eyelash boss lady type of gal for two years! 😲
🙋🏾‍♀️ And only for the last seven months have I been “weird” and actually n o t living paycheck to paycheck!
🙄 ...Wow! what a concept and what a cool feeling! 🙃
💁🏾‍♀️ So, I highly recommend it annnd I don’t e v e r want to go back!
🥳 Anyway... HAPPY TWO YEARS @LashasaurusREX 🎉
😎 Are you a #beyourownboss type of person or are you cool with the 9 to 5 life??
💁🏾‍♀️ I personally am totally cool with the #SAHM life w h i l e having a business I can run from home! 😁
  • You guys!! 💁🏾‍♀️
    ...I’ve been an eyelash boss lady type of gal for two years! 😲
    🙋🏾‍♀️ And only for the last seven months have I been “weird” and actually n o t living paycheck to paycheck!
    🙄 ...Wow! what a concept and what a cool feeling! 🙃
    💁🏾‍♀️ So, I highly recommend it annnd I don’t e v e r want to go back!
    🥳 Anyway... HAPPY TWO YEARS @LashasaurusREX 🎉
    😎 Are you a #beyourownboss type of person or are you cool with the 9 to 5 life??
    💁🏾‍♀️ I personally am totally cool with the #SAHM life w h i l e having a business I can run from home! 😁
  • 14 1 10 minutes ago
  • 'Things' don't impress me as much as drive, motivation, determination and passion.
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Lucky for me, my husband has all of those and more 💗
  • 'Things' don't impress me as much as drive, motivation, determination and passion.
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    Lucky for me, my husband has all of those and more 💗
  • 14 1 53 minutes ago
  • #realmoneytalk •

It wasn’t until our honeymoon that my husband actually learned the extent of my debt. (October 2016) •

It wasn’t until sometime in 2017 that we actually TALKED about our debt and I realized how supportive he was about tackling it •

It wasn’t until 2018 that I wrote down “become debt free” as a New Years resolution • 
it wasn’t until THIS YEAR - 2019 - that I found the #debtfreecommunity and we’ve started actively working towards that goal! We’re not gazelle intense, because or shovels are small, but we’re making progress! I just needed to GET OUT OF MY HEAD and START! • 
What’s your #realmoneytalk?! Share for your chance to win $8,000 from @intuitturbo to put towards your debt! #sweepstakes #debtisdumb #ourstory
  • #realmoneytalk

    It wasn’t until our honeymoon that my husband actually learned the extent of my debt. (October 2016) •

    It wasn’t until sometime in 2017 that we actually TALKED about our debt and I realized how supportive he was about tackling it •

    It wasn’t until 2018 that I wrote down “become debt free” as a New Years resolution •
    it wasn’t until THIS YEAR - 2019 - that I found the #debtfreecommunity and we’ve started actively working towards that goal! We’re not gazelle intense, because or shovels are small, but we’re making progress! I just needed to GET OUT OF MY HEAD and START! •
    What’s your #realmoneytalk ?! Share for your chance to win $8,000 from @intuitturbo to put towards your debt! #sweepstakes #debtisdumb #ourstory
  • 1 0 58 minutes ago
  • Hi guys ! Guess what ?! Hubby got a refund from his business trip ! Basically, he didn't maximize his "allotted spending money" & so his work ended up including this extra $100 in his paycheck last pay period ! His work didn't even have to do this ! But they did ! 
We are truly in awe of God's goodness ! And His provisions ! We just know this $100 is a blessing from Him because we are choosing to tithe. In spite of all our debts, we choose to honor Him, first & foremost, with a portion of our income. Not because He needs our money, but because our heart's desires is to put Him first in our lives — recognizing that all that we have is from Him & only possible because of Him. And as a result, He is showing us what happens when we put "Him" first. Obedience truly brings blessings, guys✨🙌🏽😆We hope this truth encourages you, wherever you are.
•
p.s. we decided to start saving for a little family vacay this summer. we haven't taken a family vacation since we moved here & so we're thinking of visiting Florida for some  budgeted fun. so this is where we will be putting this extra $100. what a great start ! we're so excited !
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Malachi 3:10 says,
"Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this," says the LORD Almighty, "and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.
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#tithing #honoringGod #obediencebringsblessings #babystep2 #debtsnowball #daveramsey #debtfreejourney #financialpeace #sickandtiredofbeingsickandtired #dontletyourmistakesdefineyou #debtisdumb #cashisking #nomoredebt #chasingthatdebtfreelife
  • Hi guys ! Guess what ?! Hubby got a refund from his business trip ! Basically, he didn't maximize his "allotted spending money" & so his work ended up including this extra $100 in his paycheck last pay period ! His work didn't even have to do this ! But they did !
    We are truly in awe of God's goodness ! And His provisions ! We just know this $100 is a blessing from Him because we are choosing to tithe. In spite of all our debts, we choose to honor Him, first & foremost, with a portion of our income. Not because He needs our money, but because our heart's desires is to put Him first in our lives — recognizing that all that we have is from Him & only possible because of Him. And as a result, He is showing us what happens when we put "Him" first. Obedience truly brings blessings, guys✨🙌🏽😆We hope this truth encourages you, wherever you are.

    p.s. we decided to start saving for a little family vacay this summer. we haven't taken a family vacation since we moved here & so we're thinking of visiting Florida for some budgeted fun. so this is where we will be putting this extra $100. what a great start ! we're so excited !


    Malachi 3:10 says,
    "Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this," says the LORD Almighty, "and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.


    #tithing #honoringGod #obediencebringsblessings #babystep2 #debtsnowball #daveramsey #debtfreejourney #financialpeace #sickandtiredofbeingsickandtired #dontletyourmistakesdefineyou #debtisdumb #cashisking #nomoredebt #chasingthatdebtfreelife
  • 7 2 1 hour ago
  • Why I refuse to give up.
  • Why I refuse to give up.
  • 12 1 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 3 hours ago
  • Right now I'm at a point in my life where I really want to take control and propel myself forward into the 'proper' adult world.
I essentially lived paycheck to paycheck until last year when I started saving.
I was so grateful to have my first full time job to help me but it wasn't enough, so I found myself in a recent new job with better pay.
And even though it's way more difficult and some days I'm truly exhausted and stressed out, I try to remember that this was what I wanted and I'm so thankful to have the salary I do.
And of course that this is a stepping stone to bigger and better things.
  • Right now I'm at a point in my life where I really want to take control and propel myself forward into the 'proper' adult world.
    I essentially lived paycheck to paycheck until last year when I started saving.
    I was so grateful to have my first full time job to help me but it wasn't enough, so I found myself in a recent new job with better pay.
    And even though it's way more difficult and some days I'm truly exhausted and stressed out, I try to remember that this was what I wanted and I'm so thankful to have the salary I do.
    And of course that this is a stepping stone to bigger and better things.
  • 5 2 3 hours ago
  • Anyone else? LOL 😐 hoping to retire in my 40s though.
  • Anyone else? LOL 😐 hoping to retire in my 40s though.
  • 39 17 3 hours ago
  • Our family is attending a very formal wedding next week. Our children are in the wedding and while the dress code is black tie optional, the bride and mother of the bride are both happy with our boys wearing black pants, white shirts, grey, vests, and black bow ties. No suit coats needed. $
The rehearsal dinner is at an extremely swanky club where men must wear coats and ties. In theory the dress code extends to children. I purchased new dress pants, buttons ups, and bow ties to wear to the rehearsal and dinner. I took some liberties and went with a nice Spring pallet. But they don’t have coats/jackets. $
The bride said their outfits were cute. The mother said don’t stress and just enjoy our time and they’re kids and it’ll be fine. But here I am on a Friday night, wanting to order three jackets online and have them rush delivered. $
Why? I’m not sure. It’s not that I want to look good for others, but I want them to dress appropriately. I don’t know. How would you feel in this situation? What would you do? $
#debtfree #babystep3 #daveramsey #debtfreecommunity #debtfreejourney #debt#debtisdumb#cashisking#everydaymillionaires
  • Our family is attending a very formal wedding next week. Our children are in the wedding and while the dress code is black tie optional, the bride and mother of the bride are both happy with our boys wearing black pants, white shirts, grey, vests, and black bow ties. No suit coats needed. $
    The rehearsal dinner is at an extremely swanky club where men must wear coats and ties. In theory the dress code extends to children. I purchased new dress pants, buttons ups, and bow ties to wear to the rehearsal and dinner. I took some liberties and went with a nice Spring pallet. But they don’t have coats/jackets. $
    The bride said their outfits were cute. The mother said don’t stress and just enjoy our time and they’re kids and it’ll be fine. But here I am on a Friday night, wanting to order three jackets online and have them rush delivered. $
    Why? I’m not sure. It’s not that I want to look good for others, but I want them to dress appropriately. I don’t know. How would you feel in this situation? What would you do? $
    #debtfree #babystep3 #daveramsey #debtfreecommunity #debtfreejourney #debt #debtisdumb #cashisking #everydaymillionaires
  • 23 5 3 hours ago
  • This will be the FIRST thing I purchase once I'm debt free! 😂
Say it with me... "broke people don't go on vacation!"
When this day comes, it'll be my first time ACTUALLY saving for a vacation, not just slapping it on a credit card.
I love love LOVE  Disney, and I've been DYING to take my boyfriend as long as we've been together. This will he the perfect reward for both of us becoming debt free in a couple of years! 😊💕👫🏻
  • This will be the FIRST thing I purchase once I'm debt free! 😂
    Say it with me... "broke people don't go on vacation!"
    When this day comes, it'll be my first time ACTUALLY saving for a vacation, not just slapping it on a credit card.
    I love love LOVE Disney, and I've been DYING to take my boyfriend as long as we've been together. This will he the perfect reward for both of us becoming debt free in a couple of years! 😊💕👫🏻
  • 22 5 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
  • 19 4 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!
  • 10 1 4 hours ago
  • Reposting because I never want to forget where we came from.

I usually try to post a lot of positive, (hopefully!) inspiring and empowering content because I never want to go back to thinking the way I use to, but sometimes it is helpful to look back and see how far we have come.

So, if you are new to following us, this was our old 'Normal'. $72,938.60 of stupid (All paid off in 22 months). In February 2015 when I we had our "Sick & Tired of being sick and tired" moment, I sat down and added up our numbers.

I though we were about $50,000 in debt ... we were actually $73,000.

We had: •
$15,265 remaining on a previous attempted to become #debtfree (a $50k debt Consolidation Loan of car loans, credit cards & other previous debt consolidation loans)
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$6,625 in zero interest Store Credit (laptops, bed, lawn mover, other things we "needed" but clearly couldn't afford!)
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$25,791 in two salary sacrificed, notaved lease cars
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$25,235 in Credit Card debt ... on a single card! (Look shocked, look very shocked, now factor in an interest rate of 24% 😱) ~
All tallied up ~ a grand total of $72,938.60 ~
BUT!! That is our past. Our future is being lit by a different light.

Today @weirdlifeofus is 28 months #debtfree!

We have a Fully Funded Emergency Fund in the bank.

We've paid cash for our 4x4 and our camper trailer.

We've travelled OS (without a credit card!) We East Coast Lapped Australia (the rest is yet to come!) And now we're saving to buy a house WITH CASH!! Crazy right?! And we didn't have to rob a bank, invest in Bitcoin or join a pyramid scheme!

We just did jaw-droppingly basic steps like: 💰 budgeting,
💰 Meal Planning & cutting back on our groceries,
💰 plugging all the leaks in our budget,
💰 selling a tonne of our crap (and some big stuff) and 💰 getting a side gig 😲

Yeah, I know. We didn't believe it could be that "easy" either!! But these steps actually work. We're walking proof!

#lifeonabudget #debtfreejourney #debtpayoff #debtfreecommunity #debtfreeAF #debtisdumb  #daveramsey #totalmoneymakeover #financialpeace #gazelleintense #gazelleintensity #BestYearEver #LiveIntentionally #partofthe8percent #savemoney #buildwealth #cashisking
  • Reposting because I never want to forget where we came from.

    I usually try to post a lot of positive, (hopefully!) inspiring and empowering content because I never want to go back to thinking the way I use to, but sometimes it is helpful to look back and see how far we have come.

    So, if you are new to following us, this was our old 'Normal'. $72,938.60 of stupid (All paid off in 22 months). In February 2015 when I we had our "Sick & Tired of being sick and tired" moment, I sat down and added up our numbers.

    I though we were about $50,000 in debt ... we were actually $73,000.

    We had: •
    $15,265 remaining on a previous attempted to become #debtfree (a $50k debt Consolidation Loan of car loans, credit cards & other previous debt consolidation loans)

    $6,625 in zero interest Store Credit (laptops, bed, lawn mover, other things we "needed" but clearly couldn't afford!)

    $25,791 in two salary sacrificed, notaved lease cars

    $25,235 in Credit Card debt ... on a single card! (Look shocked, look very shocked, now factor in an interest rate of 24% 😱) ~
    All tallied up ~ a grand total of $72,938.60 ~
    BUT!! That is our past. Our future is being lit by a different light.

    Today @weirdlifeofus is 28 months #debtfree !

    We have a Fully Funded Emergency Fund in the bank.

    We've paid cash for our 4x4 and our camper trailer.

    We've travelled OS (without a credit card!) We East Coast Lapped Australia (the rest is yet to come!) And now we're saving to buy a house WITH CASH!! Crazy right?! And we didn't have to rob a bank, invest in Bitcoin or join a pyramid scheme!

    We just did jaw-droppingly basic steps like: 💰 budgeting,
    💰 Meal Planning & cutting back on our groceries,
    💰 plugging all the leaks in our budget,
    💰 selling a tonne of our crap (and some big stuff) and 💰 getting a side gig 😲

    Yeah, I know. We didn't believe it could be that "easy" either!! But these steps actually work. We're walking proof!

    #lifeonabudget #debtfreejourney #debtpayoff #debtfreecommunity #debtfreeAF #debtisdumb #daveramsey #totalmoneymakeover #financialpeace #gazelleintense #gazelleintensity #BestYearEver #LiveIntentionally #partofthe8percent #savemoney #buildwealth #cashisking
  • 63 8 4 hours ago
  • When I make my last debt payment, I’ll probably celebrate like this woman is. 😂✌🏽🎈🍾
  • When I make my last debt payment, I’ll probably celebrate like this woman is. 😂✌🏽🎈🍾
  • 52 1 5 hours ago
  • Family night on a budget! Pizza, breadsticks, ice cream, and a movie💕 
Budgeting is hard, but it is so worth it. We are under 4k mark on our student loan. It is no longer my debt, your debt, it is OUR debt. 
This family night cost us $16! Yahoo! 
#Budgeting #DebtIsDumb #FamilyNight
  • Family night on a budget! Pizza, breadsticks, ice cream, and a movie💕
    Budgeting is hard, but it is so worth it. We are under 4k mark on our student loan. It is no longer my debt, your debt, it is OUR debt.
    This family night cost us $16! Yahoo!
    #Budgeting #DebtIsDumb #FamilyNight
  • 21 0 5 hours ago
  • I get paid on the 15th and 30th every month. Which is great because it’s a consistent paycheck spread over 24 pays, but stinks when I feel like I’m just stuck in a debt payoff rut. So I’m officially calling this month. While it’ll probably be my lowest debt payment (of the year) it still is awesome for a number of ways. 
1️⃣ This is minimum only. When I began this journey my minimums were well over 1k. 
2️⃣ I had enough money to completely cash flow my car inspection and send money to my son’s 529, which is important to me. 
3️⃣ Springtime means less substitutes at work (everyone is just done at this point lol) which means more money in my pocket as I get paid extra when we have to split classes or coverage our prep periods — so I will hopefully see some of that on the next two paychecks! 
4️⃣ I was able to get down to a lower thousands place on what I currently have left and that’s always a cause for celebrating! Hellllllo 36k 😉

#debtfreecommunity #debtfreejourney #budget #everydollar #babysteps #money #debt #debtisdumb #youneedabudget #financialindependence
  • I get paid on the 15th and 30th every month. Which is great because it’s a consistent paycheck spread over 24 pays, but stinks when I feel like I’m just stuck in a debt payoff rut. So I’m officially calling this month. While it’ll probably be my lowest debt payment (of the year) it still is awesome for a number of ways.
    1️⃣ This is minimum only. When I began this journey my minimums were well over 1k.
    2️⃣ I had enough money to completely cash flow my car inspection and send money to my son’s 529, which is important to me.
    3️⃣ Springtime means less substitutes at work (everyone is just done at this point lol) which means more money in my pocket as I get paid extra when we have to split classes or coverage our prep periods — so I will hopefully see some of that on the next two paychecks!
    4️⃣ I was able to get down to a lower thousands place on what I currently have left and that’s always a cause for celebrating! Hellllllo 36k 😉

    #debtfreecommunity #debtfreejourney #budget #everydollar #babysteps #money #debt #debtisdumb #youneedabudget #financialindependence
  • 54 3 5 hours ago
  • For those that are in a relationship or married: if you haven’t heard of the @gottmaninstitute you need to check into them. Through this trying time in our life we are constantly going back to the Gottman Method and the Four Horseman. We are able to maneuver though disagreements with grace because of what we learned. This #debtfreejourney isn’t always easy.
  • For those that are in a relationship or married: if you haven’t heard of the @gottmaninstitute you need to check into them. Through this trying time in our life we are constantly going back to the Gottman Method and the Four Horseman. We are able to maneuver though disagreements with grace because of what we learned. This #debtfreejourney isn’t always easy.
  • 49 2 5 hours ago
  • BANK ACCOUNTS!
.
.
.
I think I've FINALLY sorted my bank accounts out in a way that I'm happy with. I also chose to turn my $1000 project into a $500 project because it's much more achievable and motivates me more!
  • BANK ACCOUNTS!
    .
    .
    .
    I think I've FINALLY sorted my bank accounts out in a way that I'm happy with. I also chose to turn my $1000 project into a $500 project because it's much more achievable and motivates me more!
  • 24 1 6 hours ago
  • I can’t believe this was already TWO years ago!!
•
When my husband and I attended the Dave Ramsey Smart Money Tour two years ago, we were a little over halfway through our debt free journey. We were honestly losing steam AND motivation. We found out that Dave Ramsey was coming to the city I worked in for an event and we signed up to attend! It was LIFE CHANGING for us! We heard amazing insight from @daveramsey & @chrishogan360!
•
This event was something that I truly believed help to change our financial future. It motivated us to pick up the pace and get through our debt free journey TOGETHER! We got gazelle intense and were laser-focused on our goal!
•
It was 15 months after this event that we became DEBT FREE after working hard for 33 months & paying off $62,000. (Don’t get too excited, now we are back in baby step 2 buuuut should be debt free again in DECEMBER!)
•
I’m so thankful we had the opportunity to attend this event! I’m thankful for the way it has impacted my life.
•
We don’t exactly do everything 100% the “Dave Ramsey” way... but we respect him BIG time and he has been an integral part of our budgeting & getting out of debt. We are thankful for his influence in our lives.
•
If you’re someone who is just starting out on your debt free journey or maybe you’re staring at a huge mountain of debt in front of you and you don’t even know where to start - I definitely recommend reading his book, The Total Money Makeover! It’ll change your life. He has a baby step program that he maps out there and it’s a great place to begin!! There are a ton of FREE resources out there!!!! (That being said, utilize your local library & GOOGLE!)
•
At the end of the day - you have to figure out what works for YOU and your family and then KNOCK OUT YOUR DEBT. You don’t want to live this life always paying for your past financial choices. Get on a budget. Get out of debt. Get your finances together so you can LIVE & GIVE LIKE NO ONE ELSE. 🖤
•
•
•
#smartmoney #debtfreecommunity #debtfreejourney #debtfreedom #daveramseybabysteps #babystep2 #budgetlife #debtisdumb #livelikenooneelse
  • I can’t believe this was already TWO years ago!!

    When my husband and I attended the Dave Ramsey Smart Money Tour two years ago, we were a little over halfway through our debt free journey. We were honestly losing steam AND motivation. We found out that Dave Ramsey was coming to the city I worked in for an event and we signed up to attend! It was LIFE CHANGING for us! We heard amazing insight from @daveramsey & @chrishogan360!

    This event was something that I truly believed help to change our financial future. It motivated us to pick up the pace and get through our debt free journey TOGETHER! We got gazelle intense and were laser-focused on our goal!

    It was 15 months after this event that we became DEBT FREE after working hard for 33 months & paying off $62,000. (Don’t get too excited, now we are back in baby step 2 buuuut should be debt free again in DECEMBER!)

    I’m so thankful we had the opportunity to attend this event! I’m thankful for the way it has impacted my life.

    We don’t exactly do everything 100% the “Dave Ramsey” way... but we respect him BIG time and he has been an integral part of our budgeting & getting out of debt. We are thankful for his influence in our lives.

    If you’re someone who is just starting out on your debt free journey or maybe you’re staring at a huge mountain of debt in front of you and you don’t even know where to start - I definitely recommend reading his book, The Total Money Makeover! It’ll change your life. He has a baby step program that he maps out there and it’s a great place to begin!! There are a ton of FREE resources out there!!!! (That being said, utilize your local library & GOOGLE!)

    At the end of the day - you have to figure out what works for YOU and your family and then KNOCK OUT YOUR DEBT. You don’t want to live this life always paying for your past financial choices. Get on a budget. Get out of debt. Get your finances together so you can LIVE & GIVE LIKE NO ONE ELSE. 🖤



    #smartmoney #debtfreecommunity #debtfreejourney #debtfreedom #daveramseybabysteps #babystep2 #budgetlife #debtisdumb #livelikenooneelse
  • 136 2 7 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?
  • 20 11 7 hours ago
  • WHAT!?! That's all we have left of credit card debt!! Will be completely paid off April 1! 
This is NOT an APRIL FOOLS!!! 😜
.
I thought it would take closer to two years to get here, but it's only been 10 months!! Its not been easy but we did it! 
Next is the 22k loan to kill!
.
#ChasingZeroIn2019 #debtfreecom #babystep2 #debtisdumb #DFC
  • WHAT!?! That's all we have left of credit card debt!! Will be completely paid off April 1!
    This is NOT an APRIL FOOLS!!! 😜
    .
    I thought it would take closer to two years to get here, but it's only been 10 months!! Its not been easy but we did it!
    Next is the 22k loan to kill!
    .
    #ChasingZeroIn2019 #debtfreecom #babystep2 #debtisdumb #DFC
  • 6 0 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.
  • 275 6 8 hours ago
  • Hi everyone! Happy Friday!

I thought I would do a #fridayintroduction since I haven't done one since I started this page!

My name is Marisa and I live in the Chicago suburbs with my boyfriend, who will be known as E.  I am a CPA/Accountant at a manufacturing company.  I started my #debtfreejourney in December 2018 with ~$93k in debt.  It's been about 4 months now and I am down to ~$85k but still have a long way to go!  My goal with this page is to document my journey and provide support, motivation, encouragement, advice, wisdom and any tips/tricks I come across!

How this all got started goes way back to 2017.  I had a year left on my car lease and my boyfriend encouraged me to start saving up to buy my next car in cash!  Less than a year later in August 2018, I bought my 2013 Hyundai Elantra completely in cash.  It was the best decision I ever made.  Ever since then, I really wanted to get serious about paying off my debt in order to give my family and I the best future possible.  Then, I came across my in real life friend @frugallyfree's page, started lurking and fell in love with the #debtfreecommunity.  I finally started this page in November 2018 to start documenting my journey!

In my free time, I love to read, travel, spend time with family and friends, and go riding on both my and my boyfriend's motorcycles.  Fun fact: my boyfriend and I both have our own motorcycles.  I have a sports bike while he has a cruiser.

I would love to know a little more about you so leave a fun fact about yourself!

#debtfree #fridayintroductions #studentloans #dfc #debt #studentloanssuck #debtisdumb
  • Hi everyone! Happy Friday!

    I thought I would do a #fridayintroduction since I haven't done one since I started this page!

    My name is Marisa and I live in the Chicago suburbs with my boyfriend, who will be known as E.  I am a CPA/Accountant at a manufacturing company.  I started my #debtfreejourney in December 2018 with ~$93k in debt.  It's been about 4 months now and I am down to ~$85k but still have a long way to go!  My goal with this page is to document my journey and provide support, motivation, encouragement, advice, wisdom and any tips/tricks I come across!

    How this all got started goes way back to 2017.  I had a year left on my car lease and my boyfriend encouraged me to start saving up to buy my next car in cash!  Less than a year later in August 2018, I bought my 2013 Hyundai Elantra completely in cash.  It was the best decision I ever made.  Ever since then, I really wanted to get serious about paying off my debt in order to give my family and I the best future possible.  Then, I came across my in real life friend @frugallyfree's page, started lurking and fell in love with the #debtfreecommunity .  I finally started this page in November 2018 to start documenting my journey!

    In my free time, I love to read, travel, spend time with family and friends, and go riding on both my and my boyfriend's motorcycles.  Fun fact: my boyfriend and I both have our own motorcycles.  I have a sports bike while he has a cruiser.

    I would love to know a little more about you so leave a fun fact about yourself!

    #debtfree #fridayintroductions #studentloans #dfc #debt #studentloanssuck #debtisdumb
  • 55 7 8 hours ago
  • I work per diem in a psych unit at our local hospital. I cover both social work (not credentialed yet) and as a ‘mental health associate’ meaning i do 1:1 with patients, run activities and groups. Last pay period i worked 3 days and got a check of $403.27. This money paid our bi weekly daycare bill ($162), paid our truck payment ($181) and will pay our groceries and gas for the week, until my husbands big check next week. I am on spring break from grad school this week and next and am working full time both weeks so we can pay off our last credit card next month! 🙌🏻🙌🏻 #byedebt
  • I work per diem in a psych unit at our local hospital. I cover both social work (not credentialed yet) and as a ‘mental health associate’ meaning i do 1:1 with patients, run activities and groups. Last pay period i worked 3 days and got a check of $403.27. This money paid our bi weekly daycare bill ($162), paid our truck payment ($181) and will pay our groceries and gas for the week, until my husbands big check next week. I am on spring break from grad school this week and next and am working full time both weeks so we can pay off our last credit card next month! 🙌🏻🙌🏻 #byedebt
  • 18 1 8 hours ago
  • Jog-a-thon awards ceremony! Both kids were the highest fundraisers in their class and got one free week of tuition next month! That’s over $300 in savings for me! #frugalwin
  • Jog-a-thon awards ceremony! Both kids were the highest fundraisers in their class and got one free week of tuition next month! That’s over $300 in savings for me! #frugalwin
  • 18 2 9 hours ago
  • Cant wait to food prep tomorrow:)
  • Cant wait to food prep tomorrow:)
  • 20 1 9 hours ago
  • It’s PayYay Friday Y’all!!!!
* 
This coming Monday, I and 3 amazing friends will attend Dave Ramsey’s Smart Money event in San Diego, CA. I’m so very excited!!!!
* 
I was initially scheduled to debt free scream live onstage but there is a change in the event schedule and I now will not debt free scream live. Awww...lol
* 
That’s ok because I still get to attend the event and be among the amazing energy with everyone and also participate in the meet and greet & Q&A with Dave. Yes! 🙌🏾 I still get to talk to my friend again.
* 
It’s PayYay Friday and as I’m excited for Monday’s event I’m looking where I am today versus the same time last year with my money.
* 
The power of what @daveramsey teaches is real and I’m living proof that it absolutely works if you focus and dial allllll the way in.
* 
Last year, at this time, I paid off $49,316.40 of $63,314.50 and I had $13,998.00 to go. There was $699.22 coming out of my payroll check obligated to debt. A personal loan and (2) 401k loans. NEVER 🚫 borrow against your 401k friends.
* 
TODAY! I’m sitting here (still amazed) with ZERO debt, 6 months of living expenses and $13k cold chillen in the cut. That $13k has an Every Dollar name for it. If it didn’t, bad things would happen 😂. Like....ohhh let’s go shopping!!! Just kidding. I don’t shop like that anymore. I’m intentional about my dollaz now. I stalk 👀 every penny.
* 
Oh and instead of $699.22 automatically being sent to debt from my payroll check (twice a month) I’m now automatically sending $753.07 (twice a month) to my Roth 401k from my payroll check. My net worth is looking so much better.
*
“Your most powerful wealth building tool is your income.” Dave Ramsey
* 
I AM STILL BLOWN AWAY HOW DAVE RAMSEY’S PLAN has changed my financial life.
* 
Friends, here’s the bottom line. God is good. He’s blessed me to now be able to be responsible with my money. I’m so grateful for that. I really want that for you too.
* 
I see so many people still in what I call The Matrix with their money. I mean absolutely clueless (as I was) with their money. I’m so grateful to be unplugged. Continued...👇🏾
  • It’s PayYay Friday Y’all!!!!
    *
    This coming Monday, I and 3 amazing friends will attend Dave Ramsey’s Smart Money event in San Diego, CA. I’m so very excited!!!!
    *
    I was initially scheduled to debt free scream live onstage but there is a change in the event schedule and I now will not debt free scream live. Awww...lol
    *
    That’s ok because I still get to attend the event and be among the amazing energy with everyone and also participate in the meet and greet & Q&A with Dave. Yes! 🙌🏾 I still get to talk to my friend again.
    *
    It’s PayYay Friday and as I’m excited for Monday’s event I’m looking where I am today versus the same time last year with my money.
    *
    The power of what @daveramsey teaches is real and I’m living proof that it absolutely works if you focus and dial allllll the way in.
    *
    Last year, at this time, I paid off $49,316.40 of $63,314.50 and I had $13,998.00 to go. There was $699.22 coming out of my payroll check obligated to debt. A personal loan and (2) 401k loans. NEVER 🚫 borrow against your 401k friends.
    *
    TODAY! I’m sitting here (still amazed) with ZERO debt, 6 months of living expenses and $13k cold chillen in the cut. That $13k has an Every Dollar name for it. If it didn’t, bad things would happen 😂. Like....ohhh let’s go shopping!!! Just kidding. I don’t shop like that anymore. I’m intentional about my dollaz now. I stalk 👀 every penny.
    *
    Oh and instead of $699.22 automatically being sent to debt from my payroll check (twice a month) I’m now automatically sending $753.07 (twice a month) to my Roth 401k from my payroll check. My net worth is looking so much better.
    *
    “Your most powerful wealth building tool is your income.” Dave Ramsey
    *
    I AM STILL BLOWN AWAY HOW DAVE RAMSEY’S PLAN has changed my financial life.
    *
    Friends, here’s the bottom line. God is good. He’s blessed me to now be able to be responsible with my money. I’m so grateful for that. I really want that for you too.
    *
    I see so many people still in what I call The Matrix with their money. I mean absolutely clueless (as I was) with their money. I’m so grateful to be unplugged. Continued...👇🏾
  • 30 6 9 hours ago
  • I booked a flight for a trip this summer that I was reimbursed for. I was asked to book it first and then relay the cost of the ticket. Confession is, I had to use my credit card for the first time since paying off all of my credit card debt! I got so nervous about it that I checked my card balance every couple of hours for days until the charge showed up. I immediately paid off the balance!!! And now I can breath again.
  • I booked a flight for a trip this summer that I was reimbursed for. I was asked to book it first and then relay the cost of the ticket. Confession is, I had to use my credit card for the first time since paying off all of my credit card debt! I got so nervous about it that I checked my card balance every couple of hours for days until the charge showed up. I immediately paid off the balance!!! And now I can breath again.
  • 40 3 10 hours ago
  • Upon checking the mailbox this morning I discovered that my car insurance company sent me a check for a minor incident that happened a while ago. I didn’t know that I was going to receive any compensation since my car suffered basically no damage.
.
.
I used this money to pay my taxes and I sent the remaining $100 to my emergency fund, which puts it at $281. I know it doesn’t seem like much but every little but counts and I’m just happy that I’m making better financial decisions and saving any money at all. Slowly but surely.
  • Upon checking the mailbox this morning I discovered that my car insurance company sent me a check for a minor incident that happened a while ago. I didn’t know that I was going to receive any compensation since my car suffered basically no damage.
    .
    .
    I used this money to pay my taxes and I sent the remaining $100 to my emergency fund, which puts it at $281. I know it doesn’t seem like much but every little but counts and I’m just happy that I’m making better financial decisions and saving any money at all. Slowly but surely.
  • 15 1 10 hours ago
  • Here’s to teaching our kids how to budget and live below their means. 🙌🏼 #debtisdumb #daveramsey
  • Here’s to teaching our kids how to budget and live below their means. 🙌🏼 #debtisdumb #daveramsey
  • 9 0 10 hours ago
  • I'll be well under 7k owed when it clears. Fourth of July is coming fast, and I WILL BE debt free when it gets here. 🎉📉💲
  • I'll be well under 7k owed when it clears. Fourth of July is coming fast, and I WILL BE debt free when it gets here. 🎉📉💲
  • 22 2 10 hours ago
  • Commit to a budget and see how your life can evolve. I thought I would die and STILL owe on my student loans. Today, I have a zero balance.
.
Budgeting can change your life if you COMMIT to one 😉.
.
I created my own set of budgeting sheets on my website. Visit SavvyGirlMoney.com 🖥
  • Commit to a budget and see how your life can evolve. I thought I would die and STILL owe on my student loans. Today, I have a zero balance.
    .
    Budgeting can change your life if you COMMIT to one 😉.
    .
    I created my own set of budgeting sheets on my website. Visit SavvyGirlMoney.com 🖥
  • 166 14 10 hours ago
  • As of Oct. 2018, I have been credit card debt free and I told myself I would never go into credit card debt again. I’m currently purging a lot of items from my closet for room and extra money to toss towards debt, savings, or unexpected expenses. I’m at the point where I tell myself I’ll use the item eventually and if a week or two goes by without use, I’ll list it on Poshmark. The first purse is my Burberry which was my first real, yet impulsive, luxury purchase in the summer of 2017. My second purse, which I will never consider selling due to how much it means to me, is my medium Givenchy Antigona purse. I bought this in winter of 2017. Both were purchased with credit. I think of my Burberry as a back up whenever I want to put my Givenchy away for a while to avoid it from getting too much wear. Not in a way where I barely take it out, but just to give it a break in a sense. The reason I purchased my Givenchy was because of its superb quality and space to put whatever I need; I want to make sure I treat it as such so that it lasts me for years to come. This is the reason I am weary of selling my Burberry. After this, I have sold all of my purses. The others weren’t as high end and I only made a couple hundred in total from selling them. I feel that the act of selling the purse will be the step that seals the deal in making sure that I only purchase purses that I absolutely love after some VERY thorough consideration. It took me over a year to “purchase” my Givenchy after countless online reviews. This is how I will approach all of my CASH ONLY luxury purchases from now on. It will force me to be even more considerate of my purchase. At one point, I adored my Burberry so much. I think I could easily get at LEAST $1k for it though. I’m nervous about whether or not my mom will notice because she bought me the matching wallet, that I still currently use, as an early birthday gift. I don’t care what people have to say about my decisions, but I live with her, so her comments are unavoidable. She doesn’t know I’m going this hard with my desire to be debt free. It’s hard to talk about debt freedom with anyone in my life. What do you guys think?
  • As of Oct. 2018, I have been credit card debt free and I told myself I would never go into credit card debt again. I’m currently purging a lot of items from my closet for room and extra money to toss towards debt, savings, or unexpected expenses. I’m at the point where I tell myself I’ll use the item eventually and if a week or two goes by without use, I’ll list it on Poshmark. The first purse is my Burberry which was my first real, yet impulsive, luxury purchase in the summer of 2017. My second purse, which I will never consider selling due to how much it means to me, is my medium Givenchy Antigona purse. I bought this in winter of 2017. Both were purchased with credit. I think of my Burberry as a back up whenever I want to put my Givenchy away for a while to avoid it from getting too much wear. Not in a way where I barely take it out, but just to give it a break in a sense. The reason I purchased my Givenchy was because of its superb quality and space to put whatever I need; I want to make sure I treat it as such so that it lasts me for years to come. This is the reason I am weary of selling my Burberry. After this, I have sold all of my purses. The others weren’t as high end and I only made a couple hundred in total from selling them. I feel that the act of selling the purse will be the step that seals the deal in making sure that I only purchase purses that I absolutely love after some VERY thorough consideration. It took me over a year to “purchase” my Givenchy after countless online reviews. This is how I will approach all of my CASH ONLY luxury purchases from now on. It will force me to be even more considerate of my purchase. At one point, I adored my Burberry so much. I think I could easily get at LEAST $1k for it though. I’m nervous about whether or not my mom will notice because she bought me the matching wallet, that I still currently use, as an early birthday gift. I don’t care what people have to say about my decisions, but I live with her, so her comments are unavoidable. She doesn’t know I’m going this hard with my desire to be debt free. It’s hard to talk about debt freedom with anyone in my life. What do you guys think?
  • 48 15 11 hours ago
  • Happy Fridayyyyyyy 
Support

Is it important to have? In most scenarios, you should be relying on yourself and no one else, be able to go through the obstacles and conquer them without needing anyone else’s support and approval.

But boy, is it so much easier when you have support from others. 
I’ve been blessed to have a supportive spouse in @margaretfedorovsky even in circumstances when it was questionable whether support should’ve been given. 
Now I realize, a lot of people don’t have that supportive spouse like I do, but ask yourself, at what point did they become unsupportive and more importantly why? 
Maybe it’s because of the promises that you’ve made time and time again and didn’t follow through on. Maybe it’s for another reason. Whatever it is, do your best to figure it out.

Don’t have a supportive spouse? Find a friend, a relative, a teammate, coworker, etc. start surrounding yourself with people who will push you, challenge you, celebrate you and with you and support you. 
Not only do I have my wife for support, but I also have the best teammates. We have a gratitude chat in which we say what we’re grateful for, every single morning. If I wake up “on the wrong side of the bed” glancing at that chat, sure turns my day for the better. 
Why am I telling you all this? It’s definitely not to show how great my life is, as I (like everyone else) have 💩 and obstacles to deal with nor how awesome it is to be me.

I tell you this because I want you to be the best version of yourself, I want you to be happy, I want you to understand that you deserve whatever you want out of life and you should never give up on the quest to achieve it. 
I do believe that support is not a requirement for success, but it sure as hell helps.

Let me know how you feel about support and if you’re getting it in your life ⬇️
  • Happy Fridayyyyyyy
    Support

    Is it important to have? In most scenarios, you should be relying on yourself and no one else, be able to go through the obstacles and conquer them without needing anyone else’s support and approval.

    But boy, is it so much easier when you have support from others.
    I’ve been blessed to have a supportive spouse in @margaretfedorovsky even in circumstances when it was questionable whether support should’ve been given.
    Now I realize, a lot of people don’t have that supportive spouse like I do, but ask yourself, at what point did they become unsupportive and more importantly why?
    Maybe it’s because of the promises that you’ve made time and time again and didn’t follow through on. Maybe it’s for another reason. Whatever it is, do your best to figure it out.

    Don’t have a supportive spouse? Find a friend, a relative, a teammate, coworker, etc. start surrounding yourself with people who will push you, challenge you, celebrate you and with you and support you.
    Not only do I have my wife for support, but I also have the best teammates. We have a gratitude chat in which we say what we’re grateful for, every single morning. If I wake up “on the wrong side of the bed” glancing at that chat, sure turns my day for the better.
    Why am I telling you all this? It’s definitely not to show how great my life is, as I (like everyone else) have 💩 and obstacles to deal with nor how awesome it is to be me.

    I tell you this because I want you to be the best version of yourself, I want you to be happy, I want you to understand that you deserve whatever you want out of life and you should never give up on the quest to achieve it.
    I do believe that support is not a requirement for success, but it sure as hell helps.

    Let me know how you feel about support and if you’re getting it in your life ⬇️
  • 39 3 11 hours ago
  • 🙌🏻
  • 🙌🏻
  • 30 1 22 March, 2019