#frugalliving Instagram Photos & Videos

frugalliving - 254.7k posts

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  • In honor of only owing $900 left (started at $8k) on our Ikea kitchen, here’s a before > during > after! Wish I could upload more than 10. Our kitchen is by far my favorite room in the house 😍 #debtfreecommunity #ikeakitchen
  • In honor of only owing $900 left (started at $8k) on our Ikea kitchen, here’s a before > during > after! Wish I could upload more than 10. Our kitchen is by far my favorite room in the house 😍 #debtfreecommunity #ikeakitchen
  • 686 75 1 hour ago
  • 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.⁣⁣⁣
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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.⁣⁣⁣
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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!⁣⁣⁣
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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!⁣⁣⁣
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Are you living below your means? Are you investing early and often? Are you more like Ashely or Amanda?⁣⁣⁣
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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.⁣
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#personalfinanceclub #pfc #investing #personalfinance #retirement #millionaire #rothira #401k #finance #indexfunds #wealth #rich #cash #money #stocks #invest #investment #debtfree #debtfreejourney #debtfreecommunity #frugal #frugalliving #frugallife #finances #fire #portfolio #investor #goals #success
  • 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.⁣
    ⁣⁣⁣
    #personalfinanceclub #pfc #investing #personalfinance #retirement #millionaire #rothira #401k #finance #indexfunds #wealth #rich #cash #money #stocks #invest #investment #debtfree #debtfreejourney #debtfreecommunity #frugal #frugalliving #frugallife #finances #fire #portfolio #investor #goals #success
  • 3,688 258 16 March, 2019
  • Every paycheck ever 😫😫😫 type 🙋🏻‍♀️ if you agree 😂😂😂
  • Every paycheck ever 😫😫😫 type 🙋🏻‍♀️ if you agree 😂😂😂
  • 1,027 76 19 March, 2019
  • I'm credit card debt free and it feels so good! 💃🏼💃🏼💃🏼 $10,200 in debt now GONE!
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I officially started this journey in April of 2018 and at that time my finances felt so overwhelming. I knew where my money was going, but my income was low which made it difficult to pay more than minimum payments. .
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I worked HARD to raise my income and in October of 2018 I was finally awarded the raise I had worked literally years for.  Since then I have been not just paying down my credit cards but also saving for my maternity leave.🤰🏼 .
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✔Chase - $950 - frivolous spending
✔WalMart - $960 - Laptop and groceries while student teaching
✔Lowes - $1600 - appliances
✔Capital One Silver - $3040 - Student teaching living expenses
✔Capital One Blue - $3650 - Student teaching expenses,  wedding, honeymoon
✔Plus $3000 saved for my maternity leave
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My monthly income is now $342 higher than it used to be by eliminating these minimum payments 👌
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We still have a LONG way to go to be completely debt free but I am celebrating this win today! I'm proud of myself for accomplishing this much! 😭😍
#debtfreejourney #debtfreecommunity #debtfreeteacher
  • I'm credit card debt free and it feels so good! 💃🏼💃🏼💃🏼 $10,200 in debt now GONE!
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    I officially started this journey in April of 2018 and at that time my finances felt so overwhelming. I knew where my money was going, but my income was low which made it difficult to pay more than minimum payments. .
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    I worked HARD to raise my income and in October of 2018 I was finally awarded the raise I had worked literally years for. Since then I have been not just paying down my credit cards but also saving for my maternity leave.🤰🏼 .
    .
    ✔Chase - $950 - frivolous spending
    ✔WalMart - $960 - Laptop and groceries while student teaching
    ✔Lowes - $1600 - appliances
    ✔Capital One Silver - $3040 - Student teaching living expenses
    ✔Capital One Blue - $3650 - Student teaching expenses, wedding, honeymoon
    ✔Plus $3000 saved for my maternity leave
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    My monthly income is now $342 higher than it used to be by eliminating these minimum payments 👌
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    We still have a LONG way to go to be completely debt free but I am celebrating this win today! I'm proud of myself for accomplishing this much! 😭😍
    #debtfreejourney #debtfreecommunity #debtfreeteacher
  • 2,372 100 21 hours ago
  • My favorite fruit by far are 🍓🍓🍓!! They are soooo good! Love them with whipped cream and drizzling a little Hershey's chocolate syrup on them too. If you saw my stories today, you know that was my snackie today 🤗  Also soaking in all this evening sunshine right now due to this time change! .
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  • My favorite fruit by far are 🍓🍓🍓!! They are soooo good! Love them with whipped cream and drizzling a little Hershey's chocolate syrup on them too. If you saw my stories today, you know that was my snackie today 🤗 Also soaking in all this evening sunshine right now due to this time change! .
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  • 1,188 50 10 March, 2019

Latest Instagram Posts

  • Did anyone else spend more money yesterday than planned? We rented a car for an hour and a half ($17.80) to get groceries for the week ($130.28) and pick up the cats' de-worming medication ($59). (Giving them those pills was SO much fun....) We also went out to lunch with some friends who came for a visit ($16.22), and D bought a million books on Amazon for thesis research ($112.52). #🤓🤓🤓
  • Did anyone else spend more money yesterday than planned? We rented a car for an hour and a half ($17.80) to get groceries for the week ($130.28) and pick up the cats' de-worming medication ($59). (Giving them those pills was SO much fun....) We also went out to lunch with some friends who came for a visit ($16.22), and D bought a million books on Amazon for thesis research ($112.52). #🤓🤓🤓
  • 6 1 17 minutes ago
  • We have to pay in a buttload of $$ for income tax in April. I’m already looking at our April budget and am restricting our Household expenses to $500 for the month. It will be tight, but I’ve found I can make it happen for one month. I’ll show you how we did at the end of April! 
#cheapdiva #thecheapdiva #frugalliving #keepingabudget #budgetplanning
  • We have to pay in a buttload of $$ for income tax in April. I’m already looking at our April budget and am restricting our Household expenses to $500 for the month. It will be tight, but I’ve found I can make it happen for one month. I’ll show you how we did at the end of April!
    #cheapdiva #thecheapdiva #frugalliving #keepingabudget #budgetplanning
  • 2 0 22 minutes ago
  • Who can’t live without their morning coffee? 🙋🏻‍♀️ •

I got ahold of this turquoise @keurig on my favourite buy and sell site, @varagesale. It was $80, barely used and met my dreams of a turquoise kitchen. 👩🏻‍🍳 •

I’m not a fan of the single serve pods for the machine. Not only are they wasteful and bad for the environment, they’re not budget friendly. Even on sale, these little pods are pricey. •

The solution? Invest in reusable pods! They eliminate the waste and the need to buy the single serve cups. Just fill the pods up with your regular out of the bag coffee, and ta-da you have your morning cup of joe! My partner found ours at @loblawson. They were $14.00 for a pack of four. I also love that my Keurig is one that can brew a regular pot of coffee. •

What’s your favourite morning drink? ☕️
  • Who can’t live without their morning coffee? 🙋🏻‍♀️ •

    I got ahold of this turquoise @keurig on my favourite buy and sell site, @varagesale. It was $80, barely used and met my dreams of a turquoise kitchen. 👩🏻‍🍳 •

    I’m not a fan of the single serve pods for the machine. Not only are they wasteful and bad for the environment, they’re not budget friendly. Even on sale, these little pods are pricey. •

    The solution? Invest in reusable pods! They eliminate the waste and the need to buy the single serve cups. Just fill the pods up with your regular out of the bag coffee, and ta-da you have your morning cup of joe! My partner found ours at @loblawson. They were $14.00 for a pack of four. I also love that my Keurig is one that can brew a regular pot of coffee. •

    What’s your favourite morning drink? ☕️
  • 10 4 25 minutes ago
  • I once worked for a dermatology office that had 2 big discount events per year. It was always held in the evening and catered with appetizers and LOTS of wine. And I would stand there and watch all these drunk middle aged and old ladies pull out their credit cards and drop thousands on discounted botox, facial treatments, laser hair removal, you name it! Then they’d come back to the office at a later time to have the treatments done. I remember being a bit surprised at all the drunk purchases and disgusted with the office managers for this strategy of getting people drunk and loose with their wallets. But apparently drunk purchasing is a thing.

@thehustledaily released a hilarious piece about drunk purchases today and the data is fascinating. Swipe to read! The last picture lists some of the weirdest purchases.

Have you ever shopped while drunk?
  • I once worked for a dermatology office that had 2 big discount events per year. It was always held in the evening and catered with appetizers and LOTS of wine. And I would stand there and watch all these drunk middle aged and old ladies pull out their credit cards and drop thousands on discounted botox, facial treatments, laser hair removal, you name it! Then they’d come back to the office at a later time to have the treatments done. I remember being a bit surprised at all the drunk purchases and disgusted with the office managers for this strategy of getting people drunk and loose with their wallets. But apparently drunk purchasing is a thing.

    @thehustledaily released a hilarious piece about drunk purchases today and the data is fascinating. Swipe to read! The last picture lists some of the weirdest purchases.

    Have you ever shopped while drunk?
  • 5 1 27 minutes ago
  • Worst culprit of this??? My husband! 😂
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Just because something is a “good deal” or it’s on sale/clearance does not mean that you need to buy it. It doesn’t mean you need it or it’s even something you’re looking for. You still end up with less money than before. If you are a culprit of this stop getting emails when there are coupons. Do not look at slickdeals.com everyday like my hubby does. 😂 .
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You probably don’t need it!!! 😉
  • Worst culprit of this??? My husband! 😂
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    Just because something is a “good deal” or it’s on sale/clearance does not mean that you need to buy it. It doesn’t mean you need it or it’s even something you’re looking for. You still end up with less money than before. If you are a culprit of this stop getting emails when there are coupons. Do not look at slickdeals.com everyday like my hubby does. 😂 .
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    You probably don’t need it!!! 😉
  • 13 7 29 minutes ago
  • BLESSING:  May your day be suffused with the contentment of simple joys and plenty.
  • BLESSING: May your day be suffused with the contentment of simple joys and plenty.
  • 3 3 35 minutes ago
  • Michelle of Operation Husband Rescue shares her take on frugal living! Her aptly titled article "What I Learned About Frugal Living From Being Broke" gives us a deep dive into her frugal life, and tips for the average person to use in everyday life!⠀
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Check out the full article on Your Money Geek!⠀
Link in bio⠀
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#frugal #broke #frugalLiving #money #savingmoney #moneysavingtips #tips #advice #YourMoneyGeek
  • Michelle of Operation Husband Rescue shares her take on frugal living! Her aptly titled article "What I Learned About Frugal Living From Being Broke" gives us a deep dive into her frugal life, and tips for the average person to use in everyday life!⠀

    Check out the full article on Your Money Geek!⠀
    Link in bio⠀

    #frugal #broke #frugalLiving #money #savingmoney #moneysavingtips #tips #advice #YourMoneyGeek
  • 218 0 41 minutes ago
  • 54 count of tide pods on clearance for $7.20 pair it with your Target red card and get an additional % off and free shipping.  #saving  #frugalliving  You’re welcome!
  • 54 count of tide pods on clearance for $7.20 pair it with your Target red card and get an additional % off and free shipping. #saving #frugalliving You’re welcome!
  • 6 0 1 hour ago
  • Don’t forget your reusable produce bags when you’re heading out to get your shopping today! The trick is to leave them in visible places around your house, so you you don’t forget them before you go out. Or stock pile some in your car, if you drive. Remember every action, no matter how small, makes a difference 🙏🏻🌍💚 #besustainablefolk #reusablebags #reusableproducebags
  • Don’t forget your reusable produce bags when you’re heading out to get your shopping today! The trick is to leave them in visible places around your house, so you you don’t forget them before you go out. Or stock pile some in your car, if you drive. Remember every action, no matter how small, makes a difference 🙏🏻🌍💚 #besustainablefolk #reusablebags #reusableproducebags
  • 33 1 1 hour ago
  • Little animal habitat play before church this morning. Took like 5 minutes to set up with stuff from the craft closet, and the boys are loving it. 🐾🐾🐾
  • Little animal habitat play before church this morning. Took like 5 minutes to set up with stuff from the craft closet, and the boys are loving it. 🐾🐾🐾
  • 4 1 1 hour ago
  • Just finished up at a car boot sale in #Hillingdon this morning with a GRAND TOTAL of £178 💷 Really happy about that as our target was £120. Planning to make another sale of £300 later this evening from some items listed on Facebook Marketplace. Looking to be a good day!
  • Just finished up at a car boot sale in #Hillingdon this morning with a GRAND TOTAL of £178 💷 Really happy about that as our target was £120. Planning to make another sale of £300 later this evening from some items listed on Facebook Marketplace. Looking to be a good day!
  • 13 1 1 hour ago
  • Made some crispy chicken fingers last night! They were pretty good! Quite crispy on the outside and nice and juicy inside. I brined the chicken for a few hours, then dried them, dipped them in a mixture of 1/4 c mayo and 2 eggs, and coated them with finely crushed pork rinds with herbs and seasonings before throwing in a preheated oven at 425°F for about 20 min, until they reached 165°F in the center. I served them with some "coleslaw" (I put ranch over shredded cabbage & carrots 😂) and spicy ranch to dip them! Loved them!
  • Made some crispy chicken fingers last night! They were pretty good! Quite crispy on the outside and nice and juicy inside. I brined the chicken for a few hours, then dried them, dipped them in a mixture of 1/4 c mayo and 2 eggs, and coated them with finely crushed pork rinds with herbs and seasonings before throwing in a preheated oven at 425°F for about 20 min, until they reached 165°F in the center. I served them with some "coleslaw" (I put ranch over shredded cabbage & carrots 😂) and spicy ranch to dip them! Loved them!
  • 8 2 1 hour ago
  • Finally weather for drying clothes outside ☀️
  • Finally weather for drying clothes outside ☀️
  • 2 1 1 hour ago
  • Happy Sunday friends. I’m working this afternoon and evening, so I’m trying to get organized this morning. But this sweet face is keeping me from focusing. Looks like I’ll get started AFTER my coffee and a good game of fetch 🐶
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  • Happy Sunday friends. I’m working this afternoon and evening, so I’m trying to get organized this morning. But this sweet face is keeping me from focusing. Looks like I’ll get started AFTER my coffee and a good game of fetch 🐶
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  • 60 3 1 hour ago
  • Okay, hold up. Before you roll your eyes or go into shock, hear me out! I know this is a HUGE amount to be aiming for, but I did the math and for US to be safe this is what we need. For years, we went without an emergency fund & we were perfectly fine with that because whenever we needed something & didn't have the money, we just put it on the credit card or got a loan. We all know this is a slippery slope & it's not the right approach.

This $120k is saving for 12 months worth of expenses ($3500 + $500 buffer) & home loan repayments ($5200 + $600 buffer). I kept thinking that as a family, we had very few emergencies so I went back to last year and listed every emergency expense that came up and the list was extensive. I also factored in other things such as illness or loss of job as my mum survived breast cancer & managed financially because she had a good safety net. Our loan won't be small & I don't want us to fall into trouble if we hit a bump. I want to make sure that what we save covers everything AND some.

Our plan is to save this in incremental stages so it's not overwhelming & it's balanced with other competing financial priorities. We are going to save in the following order:
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👉 One months expenses: $4k
👉 Three months expenses: $12k
👉 Three months expenses & home loan repayments: $30k
👉 Six months expenses & home loan repayments: $60k
👉 Twelve months expenses & home loan repayments: $120k

We'll be doing it this way to keep the momentum going & it will give us something to aim for at each step. Trust me, this won't be a quick process! When the first EF stage is met, we will be using only what amounts are in surplus AFTER everything else has been accounted for to continue building on the funds.

This isn't the amount you should be aiming for as $120,000 is based on our cost of living, but perhaps looking into saving a 12 month safety net (considering your own expenses) is a worthwhile venture. The first part of our plan starts from May this year, and I'm so looking forward to FINALLY having an emergency fund with actual money saved in it as right now it's all on hold to get further ahead with our debt. But you gotta do what you gotta do.
  • Okay, hold up. Before you roll your eyes or go into shock, hear me out! I know this is a HUGE amount to be aiming for, but I did the math and for US to be safe this is what we need. For years, we went without an emergency fund & we were perfectly fine with that because whenever we needed something & didn't have the money, we just put it on the credit card or got a loan. We all know this is a slippery slope & it's not the right approach.

    This $120k is saving for 12 months worth of expenses ($3500 + $500 buffer) & home loan repayments ($5200 + $600 buffer). I kept thinking that as a family, we had very few emergencies so I went back to last year and listed every emergency expense that came up and the list was extensive. I also factored in other things such as illness or loss of job as my mum survived breast cancer & managed financially because she had a good safety net. Our loan won't be small & I don't want us to fall into trouble if we hit a bump. I want to make sure that what we save covers everything AND some.

    Our plan is to save this in incremental stages so it's not overwhelming & it's balanced with other competing financial priorities. We are going to save in the following order:
    .
    👉 One months expenses: $4k
    👉 Three months expenses: $12k
    👉 Three months expenses & home loan repayments: $30k
    👉 Six months expenses & home loan repayments: $60k
    👉 Twelve months expenses & home loan repayments: $120k

    We'll be doing it this way to keep the momentum going & it will give us something to aim for at each step. Trust me, this won't be a quick process! When the first EF stage is met, we will be using only what amounts are in surplus AFTER everything else has been accounted for to continue building on the funds.

    This isn't the amount you should be aiming for as $120,000 is based on our cost of living, but perhaps looking into saving a 12 month safety net (considering your own expenses) is a worthwhile venture. The first part of our plan starts from May this year, and I'm so looking forward to FINALLY having an emergency fund with actual money saved in it as right now it's all on hold to get further ahead with our debt. But you gotta do what you gotta do.
  • 53 5 1 hour ago
  • In honor of only owing $900 left (started at $8k) on our Ikea kitchen, here’s a before > during > after! Wish I could upload more than 10. Our kitchen is by far my favorite room in the house 😍 #debtfreecommunity #ikeakitchen
  • In honor of only owing $900 left (started at $8k) on our Ikea kitchen, here’s a before > during > after! Wish I could upload more than 10. Our kitchen is by far my favorite room in the house 😍 #debtfreecommunity #ikeakitchen
  • 686 75 1 hour ago
  • If any of y'all are in the NYC/North NJ area and are looking for a miracle worker of hair, check out @_altbeauty in Ho-Ho-Kus. My hair stylist was Morgan and she's such a professional and a really nice woman! She loves what she does which makes the experience so fun. Check out her page @msweens292 for more examples of her work! I'm going back in April, because they're starting to do Brazilian Blowouts and they're running a special $250 for the work and $50 for BOTH a bottle of conditioner and shampoo to maintain it. I've had one before and if you have frizzy hair at all, it's like permanently smoothing your hair but not losing any volume. It's amazing and can last 4-6 months (or longer) if you use the right shampoo/conditioner! The salon is beautiful and welcoming and homey. The other employees and the owner are so nice! The place & experience & results get ⭐⭐⭐⭐⭐ from me!
  • If any of y'all are in the NYC/North NJ area and are looking for a miracle worker of hair, check out @_altbeauty in Ho-Ho-Kus. My hair stylist was Morgan and she's such a professional and a really nice woman! She loves what she does which makes the experience so fun. Check out her page @msweens292 for more examples of her work! I'm going back in April, because they're starting to do Brazilian Blowouts and they're running a special $250 for the work and $50 for BOTH a bottle of conditioner and shampoo to maintain it. I've had one before and if you have frizzy hair at all, it's like permanently smoothing your hair but not losing any volume. It's amazing and can last 4-6 months (or longer) if you use the right shampoo/conditioner! The salon is beautiful and welcoming and homey. The other employees and the owner are so nice! The place & experience & results get ⭐⭐⭐⭐⭐ from me!
  • 57 4 1 hour ago
  • Amazing-tasting food really doesn’t have to cost a lot. If recipes with a bazillion and one ingredients put you off cooking new things because you don’t have anything fancy in your cupboard, this ‘vegan goulash’ is an absolute corker - and it’s in today’s Resourceful newsletter that’ll be sent out this afternoon 💌 Sign up to get a simple, cheap, meat-free recipe in your inbox every other Sunday (link in bio 🧚‍♀️)
  • Amazing-tasting food really doesn’t have to cost a lot. If recipes with a bazillion and one ingredients put you off cooking new things because you don’t have anything fancy in your cupboard, this ‘vegan goulash’ is an absolute corker - and it’s in today’s Resourceful newsletter that’ll be sent out this afternoon 💌 Sign up to get a simple, cheap, meat-free recipe in your inbox every other Sunday (link in bio 🧚‍♀️)
  • 3 3 2 hours ago
  • Check your eggs before tossing them! This is something that always saves us money. We splurge on the more expensive eggs because they taste better and they last longer.
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Only one of our eggs stood on end. The other six laid flat.
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We eat eggs on the weekends and cereal during the week since it's quick and easy.
  • Check your eggs before tossing them! This is something that always saves us money. We splurge on the more expensive eggs because they taste better and they last longer.
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    Only one of our eggs stood on end. The other six laid flat.
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    We eat eggs on the weekends and cereal during the week since it's quick and easy.
  • 18 2 2 hours ago
  • Just once a week, I like to share what I’m doing outside of Instagram to the new followers.

Facebook group, I opened this last week and have to admit, it’s a little overwhelming but this week I’m going to focus adding lots of behind the scenes content on it. 
Newsletter, each week I like to share a newsletter of anything I find which I feel could help financially, also the odd freebie when I have time.

If any of these sound good, simply head to the link in the bio.
  • Just once a week, I like to share what I’m doing outside of Instagram to the new followers.

    Facebook group, I opened this last week and have to admit, it’s a little overwhelming but this week I’m going to focus adding lots of behind the scenes content on it.
    Newsletter, each week I like to share a newsletter of anything I find which I feel could help financially, also the odd freebie when I have time.

    If any of these sound good, simply head to the link in the bio.
  • 25 1 2 hours ago
  • 1️⃣: no more take out lunches and restaurants/beers at night! We figure we save at least $200/300 a month or more.  2️⃣: all weekend activities (brunch, entrance fees, etc) have to be free or very low cost saving $100mth.  3️⃣: no more salon trips!we both enjoyed getting our hair done. There’s a cool men’s place in town where you can drink beer and shoot pool! I now box die roots and do at home haircuts for both. This saves about $120 a month with tip and drinks.  4️⃣: flex our food budget! We spend $300 on food which sounds like a lot unless you live somewhere with high food prices!🇨🇦 we were until recently only eating rice and chicken thighs or pork chops. No! We are now buying things like bacon (on sale) and higher end meat and balancing it by staying on budget with other things. This took a while to finesse, but we realized we needed to be happy too, or we would resort to spending money on takeout again (we’ve had 2 slip ups In 3 months) 5️⃣ A few of our budgets (food,pets, transportation) come off of a reward points CC that we use at the grocery store. Hello PC optimum! It feels good knowing if something happens 1 month where we go over budget on a category , that points will take care of food to help balance. Thankfully we haven’t used any yet, but our everyday purchases we spend $ on anyway have already given us $100 in grocery pts  and counting in 2 months!  The balance is paid off in full, however this may not work for everyone.  #frugalliving #debtfreejourney #debtfreecommunity #debtfreecanada #firecommunity #gradschoolproblems #retireearly
  • 1️⃣: no more take out lunches and restaurants/beers at night! We figure we save at least $200/300 a month or more. 2️⃣: all weekend activities (brunch, entrance fees, etc) have to be free or very low cost saving $100mth. 3️⃣: no more salon trips!we both enjoyed getting our hair done. There’s a cool men’s place in town where you can drink beer and shoot pool! I now box die roots and do at home haircuts for both. This saves about $120 a month with tip and drinks. 4️⃣: flex our food budget! We spend $300 on food which sounds like a lot unless you live somewhere with high food prices!🇨🇦 we were until recently only eating rice and chicken thighs or pork chops. No! We are now buying things like bacon (on sale) and higher end meat and balancing it by staying on budget with other things. This took a while to finesse, but we realized we needed to be happy too, or we would resort to spending money on takeout again (we’ve had 2 slip ups In 3 months) 5️⃣ A few of our budgets (food,pets, transportation) come off of a reward points CC that we use at the grocery store. Hello PC optimum! It feels good knowing if something happens 1 month where we go over budget on a category , that points will take care of food to help balance. Thankfully we haven’t used any yet, but our everyday purchases we spend $ on anyway have already given us $100 in grocery pts and counting in 2 months! The balance is paid off in full, however this may not work for everyone. #frugalliving #debtfreejourney #debtfreecommunity #debtfreecanada #firecommunity #gradschoolproblems #retireearly
  • 8 0 2 hours ago
  • You have to understand things will happen, what’s most important is how you react to it.💕💫
  • You have to understand things will happen, what’s most important is how you react to it.💕💫
  • 13 2 2 hours ago
  • This morning's toy repair! 3 year old suggested "oh I know, let's take off his other arm" 😐😂... I kind of see how this happened in the first place now 🙄. Now that the thread and sewing box is out, she is excited to watch the whole repair process. Please note that this simple fix is challenging for me, I am in no way good at sewing 😂. Hoping to teach the kiddoe that you can repair your things with a bit of effort and that it's important to take care of them in the first place lol.
  • This morning's toy repair! 3 year old suggested "oh I know, let's take off his other arm" 😐😂... I kind of see how this happened in the first place now 🙄. Now that the thread and sewing box is out, she is excited to watch the whole repair process. Please note that this simple fix is challenging for me, I am in no way good at sewing 😂. Hoping to teach the kiddoe that you can repair your things with a bit of effort and that it's important to take care of them in the first place lol.
  • 11 1 2 hours ago
  • Cars go down in value very quickly. They lose about 10% of their value every year. Borrowing money you don’t have and paying interest to buy something expensive that quickly loses value is an amazing way to stay broke.⁣
⁣
On the flip side, the US stock market has gone up about 10% per year over the last 100+ years. The contrast between putting money towards something that loses value quickly vs investing in something that gains value exponentially over time is massive. About 3 million bucks massive over a typical working career.⁣
⁣
SOME caveats: First, this doesn’t count the cost of inflation. Of course $3M bucks in 40 years won’t be as much as it is today. But also, that car payment will keep going up in value too, so your investment would as well making up most of the difference. ⁣
⁣
Also, it’s not a fair comparison since transportation isn’t free. But buying an affordable used car in cash can keep your total cost of ownership around $100/month or less, leaving a massive amount of money for investing. But for the sake of drama, look at how much $530/month turns into!⁣
⁣
So think about this next time you’re car shopping. Can you go with a cheaper car and build wealth with the rest of your payment?⁣
⁣
#personalfinanceclub #car #cars #newcar #carloan #autoloan #interest #investing #personalfinance #millionaire #finance  #wealth #rich #cash #money #stocks #invest #investment #debtfree #debtfreejourney #debtfreecommunity #frugal #frugalliving #frugallife #finances #fire #firecommunity
  • Cars go down in value very quickly. They lose about 10% of their value every year. Borrowing money you don’t have and paying interest to buy something expensive that quickly loses value is an amazing way to stay broke.⁣

    On the flip side, the US stock market has gone up about 10% per year over the last 100+ years. The contrast between putting money towards something that loses value quickly vs investing in something that gains value exponentially over time is massive. About 3 million bucks massive over a typical working career.⁣

    SOME caveats: First, this doesn’t count the cost of inflation. Of course $3M bucks in 40 years won’t be as much as it is today. But also, that car payment will keep going up in value too, so your investment would as well making up most of the difference. ⁣

    Also, it’s not a fair comparison since transportation isn’t free. But buying an affordable used car in cash can keep your total cost of ownership around $100/month or less, leaving a massive amount of money for investing. But for the sake of drama, look at how much $530/month turns into!⁣

    So think about this next time you’re car shopping. Can you go with a cheaper car and build wealth with the rest of your payment?⁣

    #personalfinanceclub #car #cars #newcar #carloan #autoloan #interest #investing #personalfinance #millionaire #finance #wealth #rich #cash #money #stocks #invest #investment #debtfree #debtfreejourney #debtfreecommunity #frugal #frugalliving #frugallife #finances #fire #firecommunity
  • 414 43 3 hours ago
  • About to start my Sunday workday. I wanted to go out and just get something to eat so badly because I am exhausted. But managed to convince myself to make palta (avocado) and biscuits. $1.49 +1.00 per avocado is a decent for breakfast I guess. Off to work....
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#debtfreecommunity #savingmoney #debtisdumb #frugalliving
  • About to start my Sunday workday. I wanted to go out and just get something to eat so badly because I am exhausted. But managed to convince myself to make palta (avocado) and biscuits. $1.49 +1.00 per avocado is a decent for breakfast I guess. Off to work....
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    #debtfreecommunity #savingmoney #debtisdumb #frugalliving
  • 12 0 3 hours ago
  • SECONDHAND FIRST! 
It’s so much cheaper and so much less wasteful 🍃🌱🍃🌱💚
  • SECONDHAND FIRST!
    It’s so much cheaper and so much less wasteful 🍃🌱🍃🌱💚
  • 12 1 4 hours ago