#budgetlife Instagram Photos & Videos

budgetlife - 54.2k posts

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Taking my FI education up to the next level with a podcast from my hometown! ✊RVA #choosefiradio #debtfreecommunity #budgetlife #firecommunity #dinklife

Taking my FI education up to the next level with a podcast from my hometown! ✊RVA #choosefiradio #debtfreecommunity #budgetlife #firecommunity #dinklife

0 0 4 minutes ago
Dreaming of sipping tea in this sunny spot on grandmothers patio over in Western Australia, we hope to visit again at the end of the year so I’m using this image to stay focused on saving. What helps you stay focused?

Dreaming of sipping tea in this sunny spot on grandmothers patio over in Western Australia, we hope to visit again at the end of the year so I’m using this image to stay focused on saving. What helps you stay focused?

12 3 25 minutes ago
My hubby and I finally have purchased our dream home! #ad
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This is something we have been talking about and dreaming of for the past five years! Unfortunately, life had other plans! Like breast cancer! But we weren’t going to let it get us down! We worked together to make sure that we educated ourselves about our credit score and the steps that needed to be taken to make it all happen!
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We are beyond excited and blessed to have found the home we have always wanted! To say our girls are beyond excited is an understatement!
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Make sure to head on over to the blog where I share 3 Credit Repair Tips that can help increase your credit score! Plus, if you’re looking for professional help and advice make sure to visit @lexingtonlaw. #letlexingtonhelp

My hubby and I finally have purchased our dream home! #ad
‪•‬
This is something we have been talking about and dreaming of for the past five years! Unfortunately, life had other plans! Like breast cancer! But we weren’t going to let it get us down! We worked together to make sure that we educated ourselves about our credit score and the steps that needed to be taken to make it all happen!
‪•‬
We are beyond excited and blessed to have found the home we have always wanted! To say our girls are beyond excited is an understatement!

Make sure to head on over to the blog where I share 3 Credit Repair Tips that can help increase your credit score! Plus, if you’re looking for professional help and advice make sure to visit @lexingtonlaw . #letlexingtonhelp

29 6 52 minutes ago

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My grocery spending used to be OUT OF CONTROL. I was like a kid in a candy store when I walked down the aisles. I had no plan for what I needed to buy and I'd throw whatever looked good into my cart.⠀
⠀
Every week I'd waste food and end up spending too much money. That's when I figured out that I had to do things differently. I needed to change the way I approached the grocery store.⠀
You see, I was seeing the store as a free-for-all. I could get whatever I wanted and my options were limitless. I now make sure I have a PLAN every time I walk into the store. I know what I need, what aisles I need to go down (and which ones I don't), and how much I can spend.⠀
Need help mastering the art of grocery shopping? Click the link in my bio to read a few articles that will help!⠀
⠀
Do you tend to overspend in the grocery store? Let me know in the comments!⠀
= = = ⠀
#inspiredbudget #budget #budgeting #budgetlife #budgetliving #budgetfriendly #debtfree #debtfreecommunity #debtfreejourney #debtfreedom #debtfreelife #cashenvelopes #savemoney #moneysaver #savingmoney #savings #frugal #frugallife #frugalmom #frugalliving

My grocery spending used to be OUT OF CONTROL. I was like a kid in a candy store when I walked down the aisles. I had no plan for what I needed to buy and I'd throw whatever looked good into my cart.⠀
⠀
Every week I'd waste food and end up spending too much money. That's when I figured out that I had to do things differently. I needed to change the way I approached the grocery store.⠀
You see, I was seeing the store as a free-for-all. I could get whatever I wanted and my options were limitless. I now make sure I have a PLAN every time I walk into the store. I know what I need, what aisles I need to go down (and which ones I don't), and how much I can spend.⠀
Need help mastering the art of grocery shopping? Click the link in my bio to read a few articles that will help!⠀
⠀
Do you tend to overspend in the grocery store? Let me know in the comments!⠀
= = = ⠀
#inspiredbudget #budget #budgeting #budgetlife #budgetliving #budgetfriendly #debtfree #debtfreecommunity #debtfreejourney #debtfreedom #debtfreelife #cashenvelopes #savemoney #moneysaver #savingmoney #savings #frugal #frugallife #frugalmom #frugalliving

129 3 57 minutes ago
Are you even a 90’s kid if your mom’s basement isn’t filled with perfectly protected Beanie Babies AND the collector’s handbook? Where are my fellow secret billionaires at with hoards of Beanie Babies stored away waiting to bring in the big bucks? 🙋‍♀️
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#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #babystep3 #beaniebabies

Are you even a 90’s kid if your mom’s basement isn’t filled with perfectly protected Beanie Babies AND the collector’s handbook? Where are my fellow secret billionaires at with hoards of Beanie Babies stored away waiting to bring in the big bucks? 🙋‍♀️



#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #babystep3 #beaniebabies

81 12 58 minutes ago

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I can’t stop spending money 🤦🏻‍♀️ Hardly any extra money to debt this month. Our crockpot broke many months ago, trying to find a cheap one on sale but weren’t big enough or not good time settings. Spent almost 90$ on this. We do need it, dinner time is a struggle with little ones. With school in 2 months and driving my oldest to all his appointments we need it soon. My older son has Autism and not being on a schedule is rough in summer time, spent money at Target and Amazon on items to do some school work each day at home, ended up getting new backpacks, water bottles and lunch boxes for both boys... an expense coming up just not yet. This week we are over budget with yard work expenses and eating out. 
We aren’t in debt, we have the money, the crockpot has been a must for like 6 months at least. 
The old me would have splurged and not cared how much money we had and bought more stuff that prob wasn’t needed too.
Ready for July budget to start!
#oneincomefamily #budget #budgetlife #overbudget #debtfreejourney #debtfreecommunity #cashisking

I can’t stop spending money 🤦🏻‍♀️ Hardly any extra money to debt this month. Our crockpot broke many months ago, trying to find a cheap one on sale but weren’t big enough or not good time settings. Spent almost 90$ on this. We do need it, dinner time is a struggle with little ones. With school in 2 months and driving my oldest to all his appointments we need it soon. My older son has Autism and not being on a schedule is rough in summer time, spent money at Target and Amazon on items to do some school work each day at home, ended up getting new backpacks, water bottles and lunch boxes for both boys... an expense coming up just not yet. This week we are over budget with yard work expenses and eating out.
We aren’t in debt, we have the money, the crockpot has been a must for like 6 months at least.
The old me would have splurged and not cared how much money we had and bought more stuff that prob wasn’t needed too.
Ready for July budget to start!
#oneincomefamily #budget #budgetlife #overbudget #debtfreejourney #debtfreecommunity #cashisking

10 4 1 hour ago
I love seeing the monthly budgets @debtfreepeach is sharing (she’s one of the first accounts I found in the #debtfreecommunity).⁣
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Here is our typical monthly budget, all real numbers! I’m still trying to balance simple categories and the detail I want. This was created in Google Sheets and I use my fav Expenses OK for the other graphs on my page.⁣
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Any questions? Ask away! ⁣
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#debtfreeliving #dfc #debtfreejourney #budget #budgeting #budgetlife #debtfreedom #savingmoney #financialindependence #debtfree #financialfreedom #zerobasedbudget #babysteps #daveramsey #chicago #frugal #frugalliving #babystep3b #saving #finance #money

I love seeing the monthly budgets @debtfreepeach is sharing (she’s one of the first accounts I found in the #debtfreecommunity ).⁣

Here is our typical monthly budget, all real numbers! I’m still trying to balance simple categories and the detail I want. This was created in Google Sheets and I use my fav Expenses OK for the other graphs on my page.⁣

Any questions? Ask away! ⁣

#debtfreeliving #dfc #debtfreejourney #budget #budgeting #budgetlife #debtfreedom #savingmoney #financialindependence #debtfree #financialfreedom #zerobasedbudget #babysteps #daveramsey #chicago #frugal #frugalliving #babystep3b #saving #finance #money

10 1 1 hour ago
To follow on my my previous #inspirationalquote. .
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If your not sure how to make a change, then #juststart with something small. Put in a good search about your situation. That's how I come across the #debtfreecommunity and what got me onto Instagram. .
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Borrow a financial or self help book from the library and just read a few pages each day. .
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Start a little note book to help keep you organised or to remember things you want in life. Like a book of inspiration. .
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Today, promise yourself that you will make a start! .
#onetoinspire #inspirational 
#bepositive #bepatient #bepersistent 
#budgetlife #savingmoney #savvy
#barefootfamilies #familytime #teachingkidsaboutmoney #minimalism #frugalliving #debtfreedreams #achievethelifeyouwant 
#lawofattraction #futuregoals #visionboards

To follow on my my previous #inspirationalquote . .

.
If your not sure how to make a change, then #juststart with something small. Put in a good search about your situation. That's how I come across the #debtfreecommunity and what got me onto Instagram. .

.
Borrow a financial or self help book from the library and just read a few pages each day. .

.
Start a little note book to help keep you organised or to remember things you want in life. Like a book of inspiration. .

.
Today, promise yourself that you will make a start! .
#onetoinspire #inspirational
#bepositive #bepatient #bepersistent
#budgetlife #savingmoney #savvy
#barefootfamilies #familytime #teachingkidsaboutmoney #minimalism #frugalliving #debtfreedreams #achievethelifeyouwant
#lawofattraction #futuregoals #visionboards

4 0 1 hour ago
I had enough gray tweed yarn for the first mitten (I want to enter in the fair next month).
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It was a challenge trying to learn a new skill (stranded knitting) from an old vintage pattern (they barely include directions and assume a lot of steps are too obvious to mention).
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How did I finish the task? I prayed often for insight and wisdom when I would feel the frustration setting in. Pretty much every row.
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I was determined to not give in to the voice in my head that said it was too difficult, I couldn’t succeed.
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I was willing to surrender my pride and pray for help, purely by God’s grace, to learn the skill and conquer it. It’s amazing the wisdom that would just “pop into my mind” after praying for guidance. That’s obviously not me getting 1000% smarter from one second to the next. (It also leaves me in humble awe whenever God answers my seemingly silly little prayers).
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It was a challenge, but I’m so glad that I stuck with it.
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What hard thing are you working on right now? Do you feel like giving up? Stay the course. It’ll be so worth it! 💕
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Ps. I only had size 5 needles, so this will be a man-sized pair of mittens. 😂

I had enough gray tweed yarn for the first mitten (I want to enter in the fair next month).
.
It was a challenge trying to learn a new skill (stranded knitting) from an old vintage pattern (they barely include directions and assume a lot of steps are too obvious to mention).
.
How did I finish the task? I prayed often for insight and wisdom when I would feel the frustration setting in. Pretty much every row.
.
I was determined to not give in to the voice in my head that said it was too difficult, I couldn’t succeed.
.
I was willing to surrender my pride and pray for help, purely by God’s grace, to learn the skill and conquer it. It’s amazing the wisdom that would just “pop into my mind” after praying for guidance. That’s obviously not me getting 1000% smarter from one second to the next. (It also leaves me in humble awe whenever God answers my seemingly silly little prayers).
.
It was a challenge, but I’m so glad that I stuck with it.
.
What hard thing are you working on right now? Do you feel like giving up? Stay the course. It’ll be so worth it! 💕
.
Ps. I only had size 5 needles, so this will be a man-sized pair of mittens. 😂

5 1 1 hour ago
** Inspirational Quote **
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❣
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I love this quote for so many reasons.
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Firstly we need to always continue our education to grow. We can just learn to the point of being an adult the expect we know everything. .
❣
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Secondly, if a situation is not a good one your in, then we can learn ways to change it. .
❣
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#onetoinspire #inspirational 
#bepositive #bepatient #bepersistent 
#budgetlife #savingmoney #savvy
#barefootfamilies #familytime #teachingkidsaboutmoney #minimalism #frugalliving #debtfreedreams #achievethelifeyouwant 
#lawofattraction #futuregoals #visionboards

** Inspirational Quote **
.

.
I love this quote for so many reasons.
.

.
Firstly we need to always continue our education to grow. We can just learn to the point of being an adult the expect we know everything. .

.
Secondly, if a situation is not a good one your in, then we can learn ways to change it. .

.
#onetoinspire #inspirational
#bepositive #bepatient #bepersistent
#budgetlife #savingmoney #savvy
#barefootfamilies #familytime #teachingkidsaboutmoney #minimalism #frugalliving #debtfreedreams #achievethelifeyouwant
#lawofattraction #futuregoals #visionboards

7 1 1 hour ago
What is your earliest memory of understanding money? .
My earliest memory of understanding #money is from my childhood. My Dad explained money and introduced concepts like a mortgage and banking while playing #monopoly. It was a great way for my parents to explain many financial concepts!
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#personalfinance #finance #financialfreedom #debtfree #debtfreeaf #debt #debts #debtfreedom #debtfreecommunity #moneymoney #moneymoneymoney #boardgame #fun #childhood #mortgage #education #learning #teaching #teach #teacher #budget #budgeting #budgetlife #livingonabudget #question #experience #debtisdumb #debtfreeliving

What is your earliest memory of understanding money? .
My earliest memory of understanding #money is from my childhood. My Dad explained money and introduced concepts like a mortgage and banking while playing #monopoly . It was a great way for my parents to explain many financial concepts!
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#personalfinance #finance #financialfreedom #debtfree #debtfreeaf #debt #debts #debtfreedom #debtfreecommunity #moneymoney #moneymoneymoney #boardgame #fun #childhood #mortgage #education #learning #teaching #teach #teacher #budget #budgeting #budgetlife #livingonabudget #question #experience #debtisdumb #debtfreeliving

16 2 2 hours ago
I was inspired by @chelliesaves to compare my monthly expenses: having a job + what it would look like if I lost my job today. So, I would cut out entertainment, eating out, savings would be on hold + my gas would drop [ my commute is 45 min ]. If I lost my job today, I would have enough cushion to cover for 5 months. My goal is to make it a minimum of 6 month of savings. & now that I’m really looking at this, I need to figure out a better cable/wife provider. $147.10 just sounds ridiculous. *****FYI: that is not our full mortgage amount, my husband and I split that 50/50****

I was inspired by @chelliesaves to compare my monthly expenses: having a job + what it would look like if I lost my job today. So, I would cut out entertainment, eating out, savings would be on hold + my gas would drop [ my commute is 45 min ]. If I lost my job today, I would have enough cushion to cover for 5 months. My goal is to make it a minimum of 6 month of savings. & now that I’m really looking at this, I need to figure out a better cable/wife provider. $147.10 just sounds ridiculous. *****FYI: that is not our full mortgage amount, my husband and I split that 50/50****

99 9 2 hours ago
What are you willing to sacrifice? How “crazy” are you willing to look to others? 🤨 How bad do you really want it?
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#thankgodforperseverance #keepgoing #notetoself #dailyreminder #budget #budgetlife #debtfreejourney #debtfreecommunity #debtfreeliving #everypennycounts #onedayatatime #onestepatatime

What are you willing to sacrifice? How “crazy” are you willing to look to others? 🤨 How bad do you really want it?
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#thankgodforperseverance #keepgoing #notetoself #dailyreminder #budget #budgetlife #debtfreejourney #debtfreecommunity #debtfreeliving #everypennycounts #onedayatatime #onestepatatime

6 0 2 hours ago

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I'm content not complacent. Forever grateful for all that God has blessed me with. I will continue grinding and pushing myself so that I can achieve even more greatness. .
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#financialfreedom #mumblogger #newmomblog#onabudget #budgetlife #budgetliving #daveramsey #dumpthedebt #debtisdumb #cashisking #thejonesesarebroke #debtfreecommunity #debtfree #frugalliving #financialpeace #financialpeaceuniversity #moneyquotes #saveyourmoney #sweetfrugallife

I'm content not complacent. Forever grateful for all that God has blessed me with. I will continue grinding and pushing myself so that I can achieve even more greatness. .
.
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#financialfreedom #mumblogger #newmomblog #onabudget #budgetlife #budgetliving #daveramsey #dumpthedebt #debtisdumb #cashisking #thejonesesarebroke #debtfreecommunity #debtfree #frugalliving #financialpeace #financialpeaceuniversity #moneyquotes #saveyourmoney #sweetfrugallife

45 8 2 hours ago
What debt did I bring to the table? What is my debt story? This will be a long one. 💁🏼‍♀️ I got my first credit card in high school and was terrified to use it, but was encouraged to occasionally and then pay off right away. That card went with me to college where I no longer was afraid to use it (unfortunately 🤦🏼‍♀️). I loved my undergrad but took out A LOT of money to attend a private liberal arts school. I don’t regret going there, but obviously regret not being smarter about money. All through college I worked but basically earned and spent with no idea how much where. Upon graduating I was unemployed for a while, then took up a couple jobs just to pay the rent. Of course I was still eating out, going out (all the time), and even got a gym membership! Dumb. Finally I moved back home for a year to save up to move out of state. Moved and was unemployed again but luckily living with friends and rent-free for a bit to settle in. Finally landed my first teaching job there and had a decent and steady income! Unfortunately I wasn’t budgeting and still using my credit card, eating out, going out, going on vacation, etc. I then decided to get my Masters! Cha ching, let’s add more student loan debt. It over-covered my cost but of course instead of using the extra to pay down my debt, I used it as bonus money! 🤦🏼‍♀️🤦🏼‍♀️🤦🏼‍♀️ After a few years we moved back home to the area we now live. I was able to get a job right away and my hubby was too. Moving was expensive and a lot went on a credit card. My first year here I also ended up in the hospital with some major medical debt after. Also that first year in the Spring I decided to upgrade my Subaru Impreza to a Forester (ya know, for the dogs 🐶 🐶).
So, my starting debts were credit cards, student loans, medical (put on credit cards), and a car loan! I’ll do a post soon on my starting and current :)
#debtfreecommunity #debtfreelife #debtfreejourney #debtisdumb #dumbdecisions #studentloans #lessismore #dogmom #frugalmom #budgetlife #budget

What debt did I bring to the table? What is my debt story? This will be a long one. 💁🏼‍♀️ I got my first credit card in high school and was terrified to use it, but was encouraged to occasionally and then pay off right away. That card went with me to college where I no longer was afraid to use it (unfortunately 🤦🏼‍♀️). I loved my undergrad but took out A LOT of money to attend a private liberal arts school. I don’t regret going there, but obviously regret not being smarter about money. All through college I worked but basically earned and spent with no idea how much where. Upon graduating I was unemployed for a while, then took up a couple jobs just to pay the rent. Of course I was still eating out, going out (all the time), and even got a gym membership! Dumb. Finally I moved back home for a year to save up to move out of state. Moved and was unemployed again but luckily living with friends and rent-free for a bit to settle in. Finally landed my first teaching job there and had a decent and steady income! Unfortunately I wasn’t budgeting and still using my credit card, eating out, going out, going on vacation, etc. I then decided to get my Masters! Cha ching, let’s add more student loan debt. It over-covered my cost but of course instead of using the extra to pay down my debt, I used it as bonus money! 🤦🏼‍♀️🤦🏼‍♀️🤦🏼‍♀️ After a few years we moved back home to the area we now live. I was able to get a job right away and my hubby was too. Moving was expensive and a lot went on a credit card. My first year here I also ended up in the hospital with some major medical debt after. Also that first year in the Spring I decided to upgrade my Subaru Impreza to a Forester (ya know, for the dogs 🐶 🐶).
So, my starting debts were credit cards, student loans, medical (put on credit cards), and a car loan! I’ll do a post soon on my starting and current :)
#debtfreecommunity #debtfreelife #debtfreejourney #debtisdumb #dumbdecisions #studentloans #lessismore #dogmom #frugalmom #budgetlife #budget

6 0 2 hours ago
Are you on Pinterest? Come and find me! I share all my blog related content there, and re-pin fabulous frugal, thrifty, crafty tips and tricks that I find.
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#pinterest #frugal #frugalliving #frugallifestyle #frugallife #sensiblyfrugalliving #budgetliving #budgetlifestyle #budgetlife #savvywithmoney #moneysavvy #frugalwithmoney #savemoneywithme #tipsandtricks #pins

Are you on Pinterest? Come and find me! I share all my blog related content there, and re-pin fabulous frugal, thrifty, crafty tips and tricks that I find.
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#pinterest #frugal #frugalliving #frugallifestyle #frugallife #sensiblyfrugalliving #budgetliving #budgetlifestyle #budgetlife #savvywithmoney #moneysavvy #frugalwithmoney #savemoneywithme #tipsandtricks #pins

9 0 2 hours ago
Since I’m open about my debt free journey I’m gunna be open about it all 😅🤷‍♀️
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I graduated college with only $8,000 in student loans... I know, that’s nothing compared to most people but I went to a tech school, and applied for as many scholarships and grants that I could. (My high school counselor helped me a find the majority) then I paid $100 towards them monthly (instead of the $82 or whatever I originally had for a minimum payment) so I was ahead on them for the longest time...
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When I became a stay at home mom I decided to put my student loans in forbearance so I could have a little wiggle room at the end of the month... so for about 2 years 🙈 (I seriously don’t recommend this unless it’s an absolute NEED) because for 2 years I accrued 4.5% interest on one loan and 3.4% interest on the other 🤦‍♀️.🤦‍♀️.🤦‍♀️. so I actually added about $2k onto my exsisting loans just in freaking interest 🤯
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About 6 months ago I was able to take it off of forbearance and start making minimum payments again 🙌 thanks to my side hustle! The payoff hasn’t been quick, but it’s been consistent and that’s what matters! It’s the largest debt in our debt snowball so it will be the last to be paid off, but I’m excited to see the number go down instead of up every month!
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I truly believe that everyone should experience the increase of income a side hustle like this has given me! So I’m looking for 3 people who are like me, wanting to make a dent in your student loan debts, even if it’s $1,000+/month extra you need, I’ve got the training and tools to help you create that type of extra income in the nooks and crannies of your day (think 1-2 hours of focused work)! If you’re up for it, drop an emoji and see if this opportunity is for you! If not, no pressure, I only want to work with the ones who are serious 😘

Since I’m open about my debt free journey I’m gunna be open about it all 😅🤷‍♀️
-
I graduated college with only $8,000 in student loans... I know, that’s nothing compared to most people but I went to a tech school, and applied for as many scholarships and grants that I could. (My high school counselor helped me a find the majority) then I paid $100 towards them monthly (instead of the $82 or whatever I originally had for a minimum payment) so I was ahead on them for the longest time...
-
When I became a stay at home mom I decided to put my student loans in forbearance so I could have a little wiggle room at the end of the month... so for about 2 years 🙈 (I seriously don’t recommend this unless it’s an absolute NEED) because for 2 years I accrued 4.5% interest on one loan and 3.4% interest on the other 🤦‍♀️.🤦‍♀️.🤦‍♀️. so I actually added about $2k onto my exsisting loans just in freaking interest 🤯
-
About 6 months ago I was able to take it off of forbearance and start making minimum payments again 🙌 thanks to my side hustle! The payoff hasn’t been quick, but it’s been consistent and that’s what matters! It’s the largest debt in our debt snowball so it will be the last to be paid off, but I’m excited to see the number go down instead of up every month!
-
I truly believe that everyone should experience the increase of income a side hustle like this has given me! So I’m looking for 3 people who are like me, wanting to make a dent in your student loan debts, even if it’s $1,000+/month extra you need, I’ve got the training and tools to help you create that type of extra income in the nooks and crannies of your day (think 1-2 hours of focused work)! If you’re up for it, drop an emoji and see if this opportunity is for you! If not, no pressure, I only want to work with the ones who are serious 😘

14 1 3 hours ago
3 bottles of wine for £2.90 (including delivery!) thanks to @getwineapp 👏🏻❤️
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The referral credit has slightly changed from £15 off any order to £7.50 off your first and second order - still a good deal considering the wines they have on there 😍👍🏻 I’ve since ordered another bottle with credits for £2.90 and it’s next day delivery! 👏🏻🥂🍾
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If you would like to sign up my referral code is JH440 🍷

3 bottles of wine for £2.90 (including delivery!) thanks to @getwineapp 👏🏻❤️
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The referral credit has slightly changed from £15 off any order to £7.50 off your first and second order - still a good deal considering the wines they have on there 😍👍🏻 I’ve since ordered another bottle with credits for £2.90 and it’s next day delivery! 👏🏻🥂🍾
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If you would like to sign up my referral code is JH440 🍷

35 3 3 hours ago
I was just going through my bank statement online, seeing how much I've saved being on maternity leave since I started back in February.
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Annnnnnddddddd drum roll 🥁 $2300🤟🤟 has been saved.
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All those days of:
.👉 being a tightarse
.👉 staying at home
.👉 sticking to the government maternity leave payment of $636 a week
.👉 no haircuts, no spending on me
.👉 selling unwanted goods around the house
.👉 doing lil bits of odd money making hustles here and there aka market research, surveys etc. .
Are paying off....
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Can I reward myself now? I wish!
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#hustlingmumma #frugalmum #maternitylife #budgetplanning

I was just going through my bank statement online, seeing how much I've saved being on maternity leave since I started back in February.
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Annnnnnddddddd drum roll 🥁 $2300🤟🤟 has been saved.
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All those days of:
.👉 being a tightarse
.👉 staying at home
.👉 sticking to the government maternity leave payment of $636 a week
.👉 no haircuts, no spending on me
.👉 selling unwanted goods around the house
.👉 doing lil bits of odd money making hustles here and there aka market research, surveys etc. .
Are paying off....
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Can I reward myself now? I wish!
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#hustlingmumma #frugalmum #maternitylife #budgetplanning

11 6 3 hours ago
Still working on my new budgeting worksheets! This was my first month using them and I’m making some adjustments to them for July so that they work better for me.📒🖌
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There are so many ways to budget and track your spending. It’s all about finding one that works for YOU!
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I’ve used various apps, spreadsheets, and printables over the years. What works for us now is a bit different from how I used to do things. Life changes and we need to adjust.
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If you haven’t found something that works for you yet, DO NOT GIVE UP and think that budgeting is just not for you. Keep trying different methods and making adjustments until you find something that works!
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You don’t have to be super good with numbers (I’m not!) or spend hours each week on it to get on top of your finances🌟
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Sidenote: I’m still hoping to make these printables I’m working on available to you at some point. I want to keep using them and making adjustments to them for a while to make sure they’re as good as they possibly can be!🤩
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#debtfreeisthenewsexy  #personalfinance  #savemoney  #finances  #daveramseybabysteps  #frugalliving  #debtfreeliving  #savemoneytime  #budget  #budgetfriendly  #debtfreejourney  #daveramsey  #frugal  #debt  #budgetlife  #debtfreedom  #debtfreecommunity  #gazelleintense  #budgeting  #debtfree  #finance  #money  #frugallife  #babysteps  #savemoneylivebetter  #financialfreedom #worksheet #printable

Still working on my new budgeting worksheets! This was my first month using them and I’m making some adjustments to them for July so that they work better for me.📒🖌
.
There are so many ways to budget and track your spending. It’s all about finding one that works for YOU!
.
I’ve used various apps, spreadsheets, and printables over the years. What works for us now is a bit different from how I used to do things. Life changes and we need to adjust.
.
If you haven’t found something that works for you yet, DO NOT GIVE UP and think that budgeting is just not for you. Keep trying different methods and making adjustments until you find something that works!
.
You don’t have to be super good with numbers (I’m not!) or spend hours each week on it to get on top of your finances🌟
.
Sidenote: I’m still hoping to make these printables I’m working on available to you at some point. I want to keep using them and making adjustments to them for a while to make sure they’re as good as they possibly can be!🤩
.
.
.
#debtfreeisthenewsexy #personalfinance #savemoney #finances #daveramseybabysteps #frugalliving #debtfreeliving #savemoneytime #budget #budgetfriendly #debtfreejourney #daveramsey #frugal #debt #budgetlife #debtfreedom #debtfreecommunity #gazelleintense #budgeting #debtfree #finance #money #frugallife #babysteps #savemoneylivebetter #financialfreedom #worksheet #printable

21 1 3 hours ago
#ad Credit literacy is one of those things that most of us struggle with. Over on the blog, I’ve created six helpful tips to help you improve and understand your credit. 
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Find out how, via my stories, or the link in my bio. The best thing you can do for repairing your credit is to ask for help. #LetLexingtonHelp .
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#momlifebelike #momstruggles #financialliteracy #financialindependence #honestmom #storytellingmama #therealinstamoms #simplymamahood #budgetmom #budgetlife #momsupport #workfromhomemommy #budgetblogger

#ad Credit literacy is one of those things that most of us struggle with. Over on the blog, I’ve created six helpful tips to help you improve and understand your credit.
______________

With the help of services from @lexingtonlaw , you can be on your way to credit recovery in no time at all.
______________

With a proprietary app that gives you access to the best in-class services, Lexington Law has a long-standing relationship with all three credit bureaus that enables their team to communicate more routinely and efficiently for their clients. 📑
___________

Find out how, via my stories, or the link in my bio. The best thing you can do for repairing your credit is to ask for help. #LetLexingtonHelp .
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#momlifebelike #momstruggles #financialliteracy #financialindependence #honestmom #storytellingmama #therealinstamoms #simplymamahood #budgetmom #budgetlife #momsupport #workfromhomemommy #budgetblogger

294 22 4 hours ago

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Lower your expenses, increase your cash flow. Drop a 〰️below if this month's goal is to increase your cash flow 💸

Lower your expenses, increase your cash flow. Drop a 〰️below if this month's goal is to increase your cash flow 💸

20 2 4 hours ago
A couple of weeks ago...before I took a much needed 6-day vacation, I recorded this episode as I was leaving my monthly counseling appointment to share my biggest takeaways from the session with yall. ⠀
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Here's a shocker...my counselor told me that I was burnt out and needed to take some time to myself. ⠀
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Homeschooling mom of 3, wife, business-owner, woman who enjoys quiet time without tiny humans asking for snacks....hmmm how did I ever get overwhelmed!?! 🤔😅⠀
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The reality of living an intentional goal-oriented life is that we sometimes get burnt out. And in order to actually achieve our goals, we have to invest time in ourselves, break the mindset that busy equals productive, and learn to find contentment along the way.⠀
.⠀
Join me for this super candid episode by searching "A Sunny Side Up Life Podcast" on iTunes, Google Play, or Spotify, or by jumping over to my website to listen at http://www.asunnysideuplife.com/blog/podcast/48 (link in my bio @asunnysideuplife)⠀
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#debtfreecommunity #homeschoolfamily #motherhood #financialfreedom #budget #budgeting #budgetlife #debtfreedom #debtfreejourney #debtfreelife #momlife #budgettip #frugualliving #intentionalmotherhood #lifeisbeautiful #positivevibesonly #selflove #disciplineequalsfreedom #trusttheprocess #yearoftrust #doitscared #selfcare #babystep1 #babystep2 #gazelleintense #raiseyourvibration #livelikenoonelse #womensupportingwomen #mentalhealth #depression

A couple of weeks ago...before I took a much needed 6-day vacation, I recorded this episode as I was leaving my monthly counseling appointment to share my biggest takeaways from the session with yall. ⠀
.⠀
Here's a shocker...my counselor told me that I was burnt out and needed to take some time to myself. ⠀
.⠀
Homeschooling mom of 3, wife, business-owner, woman who enjoys quiet time without tiny humans asking for snacks....hmmm how did I ever get overwhelmed!?! 🤔😅⠀
.⠀
The reality of living an intentional goal-oriented life is that we sometimes get burnt out. And in order to actually achieve our goals, we have to invest time in ourselves, break the mindset that busy equals productive, and learn to find contentment along the way.⠀
.⠀
Join me for this super candid episode by searching "A Sunny Side Up Life Podcast" on iTunes, Google Play, or Spotify, or by jumping over to my website to listen at http://www.asunnysideuplife.com/blog/podcast/48 (link in my bio @asunnysideuplife )⠀
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#debtfreecommunity #homeschoolfamily #motherhood #financialfreedom #budget #budgeting #budgetlife #debtfreedom #debtfreejourney #debtfreelife #momlife #budgettip #frugualliving #intentionalmotherhood #lifeisbeautiful #positivevibesonly #selflove #disciplineequalsfreedom #trusttheprocess #yearoftrust #doitscared #selfcare #babystep1 #babystep2 #gazelleintense #raiseyourvibration #livelikenoonelse #womensupportingwomen #mentalhealth #depression

36 3 4 hours ago
In my stories I talk about how we used to spend $600 on a birthday party for our kid 🙈 Now we let them decide if they want a party or presents. We are no longer dropping hundred on a party and hundreds on gifts. In fact, my goal was to spend $100 all together! 🔹I’m taking 5 girls to the movies to see Toy Story 4. I got Discounted tickets through Costco. Each kid will pick a candy, drink, and snack for later at the Dollar Tree and they will split a refillable popcorn. 🔹Homemade pizzas and cake are on the menu. For a gift I got a lava lamp on clearance that she had been asking for (I think it was $8 a couple months ago) 🔹Sunday we will have a family party but food is from the grocery budget.

In my stories I talk about how we used to spend $600 on a birthday party for our kid 🙈 Now we let them decide if they want a party or presents. We are no longer dropping hundred on a party and hundreds on gifts. In fact, my goal was to spend $100 all together! 🔹I’m taking 5 girls to the movies to see Toy Story 4. I got Discounted tickets through Costco. Each kid will pick a candy, drink, and snack for later at the Dollar Tree and they will split a refillable popcorn. 🔹Homemade pizzas and cake are on the menu. For a gift I got a lava lamp on clearance that she had been asking for (I think it was $8 a couple months ago) 🔹Sunday we will have a family party but food is from the grocery budget.

20 5 4 hours ago
I’ve never seen a more accurate quote EVER!! @twoundertwobudget This is amazing! 🙌🏼🙌🏼🙌🏼

I’ve never seen a more accurate quote EVER!! @twoundertwobudget This is amazing! 🙌🏼🙌🏼🙌🏼

29 2 4 hours ago
💰Take some time to learn about how to manage your money. ⁣
⁣
Unfortunately money management is not a required course in school, so you are on your own. 😱⁣
⁣
The credit cards companies love the fact that most people are clueless with personal finance and will willing take advantage of you. 😲⁣
⁣
Take the initiative to study everything you can about personal finance so you can always make educated money decisions! 💗⁣
⁣
💠Share this post & Tag a friend!!💠⁣
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#fiscal #finances #budgetmum #budgetplanner #budgetplanning #budgetbeauty #livingonabudget  #budgetlife #healthyonabudget #budgets #budgettip #budgetfriendly #thrifty #economical #resourceful #savvy #frugalmom #frugalliving #frugallife #frugalfashion #frugality #frugalmum #frugalmeals #frugalshopper #frugaltips #frugaliving #frugalblogger #frugallifestyle #frugalista #frugalmama

💰Take some time to learn about how to manage your money. ⁣
⁣
Unfortunately money management is not a required course in school, so you are on your own. 😱⁣
⁣
The credit cards companies love the fact that most people are clueless with personal finance and will willing take advantage of you. 😲⁣
⁣
Take the initiative to study everything you can about personal finance so you can always make educated money decisions! 💗⁣
⁣
💠Share this post & Tag a friend!!💠⁣
⁣
⁣
⁣
⁣
#fiscal #finances #budgetmum #budgetplanner #budgetplanning #budgetbeauty #livingonabudget #budgetlife #healthyonabudget #budgets #budgettip #budgetfriendly #thrifty #economical #resourceful #savvy #frugalmom #frugalliving #frugallife #frugalfashion #frugality #frugalmum #frugalmeals #frugalshopper #frugaltips #frugaliving #frugalblogger #frugallifestyle #frugalista #frugalmama

15 9 5 hours ago
When I look back at my life and what it was like 16 years ago, I was in a much different place. I was without a job, in debt, a single mom to one-year-old twins, and my self-esteem was at rock bottom. I didn’t know how I was going to get out of the mess I was in. I would wake up at night in a cold sweat thinking...this can’t be my life. What I learned is that I had the absolute power to change my life. I just had to learn how. If that sounds similar to your story, then I want you to know you’re not alone. I have been where you are, and I know how to help you get back on your feet again.  Sign up for our free 5-Day training, and Heather and I will give you free tools to help you change your life. We’re going to show you how you too can manifest your best life. Sign up today. #fixyourcredit  #autogramtags #resp  #debtfreejourney  #daveramsey  #debtfreegoals  #financialindependence  #personalfinance  #creditcarddebt  #stocks  #budgetlife  #selfcarematters  #selfcaresundays  #selfcareeveryday  #selfcareisntselfish  #selfcaresunday  #selfcarethreads  #selfcareroutine  #selfcaredaily  #selfcarepage  #selflovethreads

When I look back at my life and what it was like 16 years ago, I was in a much different place. I was without a job, in debt, a single mom to one-year-old twins, and my self-esteem was at rock bottom. I didn’t know how I was going to get out of the mess I was in. I would wake up at night in a cold sweat thinking...this can’t be my life. What I learned is that I had the absolute power to change my life. I just had to learn how. If that sounds similar to your story, then I want you to know you’re not alone. I have been where you are, and I know how to help you get back on your feet again. Sign up for our free 5-Day training, and Heather and I will give you free tools to help you change your life. We’re going to show you how you too can manifest your best life. Sign up today. #fixyourcredit #autogramtags #resp #debtfreejourney #daveramsey #debtfreegoals #financialindependence #personalfinance #creditcarddebt #stocks #budgetlife #selfcarematters #selfcaresundays #selfcareeveryday #selfcareisntselfish #selfcaresunday #selfcarethreads #selfcareroutine #selfcaredaily #selfcarepage #selflovethreads

9 1 5 hours ago
Tea tonight was slow cooked bolognese with pasta. I used 1kg of mince and managed to get tonight's tea out of it, aswell as a bowl for my lunch tomorrow, and 2 more family sized portions for the freezer! Bonus!
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I always say it is worth batch cooking and doing extra as it'll cost you less than making 2 or more separate batches. It also means only reheating the extra meals from the freezer, so cooking free evenings. 😁👌
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#frugalfood #batchcooking #frugalliving #frugal #frugallifestyle #frugallife #sensiblyfrugalliving #savemoney #savemoneywithme #moneysaving #frugalcooking #frugalcook #budgetfood #budgetliving #budgetlife #budgetlifestyle

Tea tonight was slow cooked bolognese with pasta. I used 1kg of mince and managed to get tonight's tea out of it, aswell as a bowl for my lunch tomorrow, and 2 more family sized portions for the freezer! Bonus!
.
.
I always say it is worth batch cooking and doing extra as it'll cost you less than making 2 or more separate batches. It also means only reheating the extra meals from the freezer, so cooking free evenings. 😁👌
.
.
#frugalfood #batchcooking #frugalliving #frugal #frugallifestyle #frugallife #sensiblyfrugalliving #savemoney #savemoneywithme #moneysaving #frugalcooking #frugalcook #budgetfood #budgetliving #budgetlife #budgetlifestyle

18 0 5 hours ago
Aim for 15% of your income for both, with the biggest difference being a MAX of 15% on food and a MIN of 15% into savings & investments. ⠀
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#financetips #budgetingtips #budgets #budgetlife #budgeting #budgetplanner #budgetplanning #savingsgoals #savingtips #savingsaccount #savingsaccount #savingsgoals #savingsplan

Aim for 15% of your income for both, with the biggest difference being a MAX of 15% on food and a MIN of 15% into savings & investments. ⠀

#financetips #budgetingtips #budgets #budgetlife #budgeting #budgetplanner #budgetplanning #savingsgoals #savingtips #savingsaccount #savingsaccount #savingsgoals #savingsplan

21 7 5 hours ago
Snowball: Tackle your debt from lowest amount to highest amount, no matter the interest rate. This helps you celebrate quicker wins by seeing them disappear faster.
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Avalanche: Tackle your debt from highest interest rate to lowest. This helps you pay less interest in the long run, saving you money.
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I’m doing both at the same time! It only makes sense to me to pay less interest in the long run. But I also want to get rid of my husband’s credit card debt so we don’t have to see it anymore! It’s been haunting us for quite a long time! We are putting a lot into our credit card debt (which has $1942 out of $21k left!) and are doubling my student loan monthly payment while still paying the minimum for the rest of our loans.
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This will change soon though. Say, “two pay raises in August!”😌🥳 Going to be tackling my student loan (even more!) and house fix loan next (along side paying for full-time daycare😰).
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#budgetlife #debtfreecommunity #debtfree #debtfreejourney #budget #budgetplanning #planningonabudget #financialliteracy #debtfreebayarea #debtsnowball #debtavalanche

Snowball: Tackle your debt from lowest amount to highest amount, no matter the interest rate. This helps you celebrate quicker wins by seeing them disappear faster.
.
Avalanche: Tackle your debt from highest interest rate to lowest. This helps you pay less interest in the long run, saving you money.
.
I’m doing both at the same time! It only makes sense to me to pay less interest in the long run. But I also want to get rid of my husband’s credit card debt so we don’t have to see it anymore! It’s been haunting us for quite a long time! We are putting a lot into our credit card debt (which has $1942 out of $21k left!) and are doubling my student loan monthly payment while still paying the minimum for the rest of our loans.
.
This will change soon though. Say, “two pay raises in August!”😌🥳 Going to be tackling my student loan (even more!) and house fix loan next (along side paying for full-time daycare😰).
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#budgetlife #debtfreecommunity #debtfree #debtfreejourney #budget #budgetplanning #planningonabudget #financialliteracy #debtfreebayarea #debtsnowball #debtavalanche

18 0 5 hours ago
Yesterday we finally had the chance to deposit the money from selling Glenda into the bank. Before we even left the parking lot, G got to press "confirm" on the final payment of $1,246.20 to pay off Fergesun!
Including our children in this process has helped them understand the importance of money and WHY it's important for us to become debt free. He was so excited!!
#debtfreecommunity #debtfreejourney #debtfree #babystep2 #babysteps #teamsmallshovel #budget #debtfreeteacher #debtfreeby30 #debtisdumb #cashisking #sidehustle #bs2  #budgetlife #debtfreeisthewaytobe #debtsnowball #daveramsey #cashflow #paidinfull #davecar

Yesterday we finally had the chance to deposit the money from selling Glenda into the bank. Before we even left the parking lot, G got to press "confirm" on the final payment of $1,246.20 to pay off Fergesun!
Including our children in this process has helped them understand the importance of money and WHY it's important for us to become debt free. He was so excited!!
#debtfreecommunity #debtfreejourney #debtfree #babystep2 #babysteps #teamsmallshovel #budget #debtfreeteacher #debtfreeby30 #debtisdumb #cashisking #sidehustle #bs2 #budgetlife #debtfreeisthewaytobe #debtsnowball #daveramsey #cashflow #paidinfull #davecar

73 0 5 hours ago
A few months ago, @aaronsbrightideas decided that he wanted some electrical projects done around the house that he knew he wouldn’t be able to do himself. These things weren’t necessarily “needs” and although we could have easily cashflowed them, he decided he would rather save up his personal money. After 3 months of not spending his personal money and selling random do-dads he found in the garage, he was able to cashflow his DREAM electrical project (I truly believe that only Aaron has a “dream electrical project”).
•
Yesterday, Aaron had an electrician come over and install lights in the attic as well as additional outlets and electrical capacity in the garage. That way, when we are putting stuff in the attic, we don’t have to wear headlamps and act like we’re going into a mineshaft! He also wanted additional outlets and electrical capacity in the garage so he can run our garage fridge, freezer, space heater, and all his heavy duty equipment without tripping the breaker (which apparently happens often).
•
In all, Aaron paid $700 from his personal money and sold garage items for this project. I applaud his patience and saving which is NOT my strong suit. Even though I couldn’t care less about any of these things, I’m now feeling inspired to start saving my personal money for something bigger than Starbucks and Taco Bell 🤣
•
#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #babystep3

A few months ago, @aaronsbrightideas decided that he wanted some electrical projects done around the house that he knew he wouldn’t be able to do himself. These things weren’t necessarily “needs” and although we could have easily cashflowed them, he decided he would rather save up his personal money. After 3 months of not spending his personal money and selling random do-dads he found in the garage, he was able to cashflow his DREAM electrical project (I truly believe that only Aaron has a “dream electrical project”).

Yesterday, Aaron had an electrician come over and install lights in the attic as well as additional outlets and electrical capacity in the garage. That way, when we are putting stuff in the attic, we don’t have to wear headlamps and act like we’re going into a mineshaft! He also wanted additional outlets and electrical capacity in the garage so he can run our garage fridge, freezer, space heater, and all his heavy duty equipment without tripping the breaker (which apparently happens often).

In all, Aaron paid $700 from his personal money and sold garage items for this project. I applaud his patience and saving which is NOT my strong suit. Even though I couldn’t care less about any of these things, I’m now feeling inspired to start saving my personal money for something bigger than Starbucks and Taco Bell 🤣

#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #babystep3

207 6 5 hours ago
The freezer bag said Chicken Cordon Bleu...so decided to go for it! Pretty good, but could use more cheese though....🧀🧀🧀! #dutchie #kaaskopje #morecheeseplease

The freezer bag said Chicken Cordon Bleu...so decided to go for it! Pretty good, but could use more cheese though....🧀🧀🧀! #dutchie #kaaskopje #morecheeseplease

66 1 5 hours ago
I'm fascinated by children, what they say, and how they perceive the world. This short clip is one of the rare times I have my kids in the studio. We're talking about money, and I had no idea what she would say. 

At five, we are teaching them to save and buy their own things. Such cruel parents!
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#budgetplanner #budget #budgeting #budgetplanning #budgetlife #budgets #livingonabudget #debtfreejourney #debtfreecommunity #debt #debtsnowball #debtfree #debtfreegoals #inspiredbudget #budgetfriendly #goals #goalsetting #debtfreedom #debtfreelife #financialfreedom #savemoney #moneysaver #savingmoney #howtosavemoney

I'm fascinated by children, what they say, and how they perceive the world. This short clip is one of the rare times I have my kids in the studio. We're talking about money, and I had no idea what she would say. 

At five, we are teaching them to save and buy their own things. Such cruel parents!
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#budgetplanner #budget #budgeting #budgetplanning #budgetlife #budgets #livingonabudget #debtfreejourney #debtfreecommunity #debt #debtsnowball #debtfree #debtfreegoals #inspiredbudget #budgetfriendly #goals #goalsetting #debtfreedom #debtfreelife #financialfreedom #savemoney #moneysaver #savingmoney #howtosavemoney

25 1 5 hours ago
CHANGE OF PLANS ⬇️
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We WERE planning to go to Universal Studios this year as a little treat to ourselves but something better came up and just as affordable if not cheaper!
▪︎
My boss gets FREE rooms in Las Vegas and offered one to me this Summer 🌞
Of course I accepted! I feel beyond grateful to be able to take my family on a mini vacay 🙏🏽
▪︎
We already had a Vacation sinking fund so we will just be taking that to Vegas. We basically only need money for food & gas 😁 We'll only be using half of what we had planned to use for Universal Studios. I consider this a win for us 🙌🏽
▪︎
Do you have any tripes planned this Summer? 🌻

#familydebtfreebudget #fdfb #debtfreejourney #debtfreecommunity #budgetlife #financialfreedom #blessed

CHANGE OF PLANS ⬇️
▪︎
We WERE planning to go to Universal Studios this year as a little treat to ourselves but something better came up and just as affordable if not cheaper!
▪︎
My boss gets FREE rooms in Las Vegas and offered one to me this Summer 🌞
Of course I accepted! I feel beyond grateful to be able to take my family on a mini vacay 🙏🏽
▪︎
We already had a Vacation sinking fund so we will just be taking that to Vegas. We basically only need money for food & gas 😁 We'll only be using half of what we had planned to use for Universal Studios. I consider this a win for us 🙌🏽
▪︎
Do you have any tripes planned this Summer? 🌻

#familydebtfreebudget #fdfb #debtfreejourney #debtfreecommunity #budgetlife #financialfreedom #blessed

13 4 5 hours ago
I’ve been telling my husband that I think he’s overspending for months. I downloaded an app to break down the spending and it’s brutal. $928 in gas. This blows my mind! I pay for gas through my corporate account so this is just his travel costs which would be difficult to reduce since he works 1.5hrs from home. $525 in groceries just for him. When I’m home I cash purchase groceries but I over spend here too. $222 in dog day care. This one is all my choice. 😫 I’m 90% cash envelopes so a lot of my spending is on top of this which is scary. I’ve tried putting him on cash and he spends it all way before I plan that cash to last. So I got frustrated and stopped. Now I can’t even save his income because there isn’t enough to save. That’s been a two month struggle. Yet he managed to save $4k for a watch 🤔 (I took that money and put it to the mortgage. I think saving for a watch starting in November is a better plan for us) Back to the drawing board! Beyond frustrated with our spending but I’m sure he’s equally as frustrated that I track & monitor the spending 😆 that different pages debt free journey 🤷🏼‍♀️ we have some work to do. I’m also 100% aware that I could sound like a complete control freak 😆 I know. He has never told me that but if he did, I would believe him.

I’ve been telling my husband that I think he’s overspending for months. I downloaded an app to break down the spending and it’s brutal. $928 in gas. This blows my mind! I pay for gas through my corporate account so this is just his travel costs which would be difficult to reduce since he works 1.5hrs from home. $525 in groceries just for him. When I’m home I cash purchase groceries but I over spend here too. $222 in dog day care. This one is all my choice. 😫 I’m 90% cash envelopes so a lot of my spending is on top of this which is scary. I’ve tried putting him on cash and he spends it all way before I plan that cash to last. So I got frustrated and stopped. Now I can’t even save his income because there isn’t enough to save. That’s been a two month struggle. Yet he managed to save $4k for a watch 🤔 (I took that money and put it to the mortgage. I think saving for a watch starting in November is a better plan for us) Back to the drawing board! Beyond frustrated with our spending but I’m sure he’s equally as frustrated that I track & monitor the spending 😆 that different pages debt free journey 🤷🏼‍♀️ we have some work to do. I’m also 100% aware that I could sound like a complete control freak 😆 I know. He has never told me that but if he did, I would believe him.

190 33 6 hours ago
We did something recently that probably everyone on their #debtfreejourney would be appalled at. We bought a house. After living in “free” housing. And not with putting 20% down. And not on a 15 year mortgage. 😬 While it seems like a terrible decision, and could be... it’s what was best for our family. At least from our perspective :)
We needed to move so my hubby could switch jobs. We looked at rentals but in our area they are the same or more than a mortgage and it was nearly impossible to find a decent place that allowed two “bigger” (ie more than 15 pounds) dogs. We did look, it just didn’t seem feasible or right to rent. Some of the only places that do allow dogs are apartments, and our two cattle dog mixes would lose it!
So here we are, moving into our new (first!!) home, crossing our fingers that this wasn’t a terrible terrible decision ;)
(And yes Murphy has of course already hit, we are currently without hot water as our water heater broke before we even moved in. Yay! Luckily we have a decent savings and were planning on upgrading the old old water heater in the near future anyway.) #debtfreecommunity #debtfreeliving #homeowner #firsttimehomeowners #debtfreejourney #babystep2 #daveramseybabysteps #family #dogmom #dfc #budgetlife #livingonabudget

We did something recently that probably everyone on their #debtfreejourney would be appalled at. We bought a house. After living in “free” housing. And not with putting 20% down. And not on a 15 year mortgage. 😬 While it seems like a terrible decision, and could be... it’s what was best for our family. At least from our perspective :)
We needed to move so my hubby could switch jobs. We looked at rentals but in our area they are the same or more than a mortgage and it was nearly impossible to find a decent place that allowed two “bigger” (ie more than 15 pounds) dogs. We did look, it just didn’t seem feasible or right to rent. Some of the only places that do allow dogs are apartments, and our two cattle dog mixes would lose it!
So here we are, moving into our new (first!!) home, crossing our fingers that this wasn’t a terrible terrible decision ;)
(And yes Murphy has of course already hit, we are currently without hot water as our water heater broke before we even moved in. Yay! Luckily we have a decent savings and were planning on upgrading the old old water heater in the near future anyway.) #debtfreecommunity #debtfreeliving #homeowner #firsttimehomeowners #debtfreejourney #babystep2 #daveramseybabysteps #family #dogmom #dfc #budgetlife #livingonabudget

11 0 6 hours ago
New video is up on my channel with the August budget kits. New shop updates will be coming soon. Until then shop www.janesdiary.org 
#debtfreecommunity #debtfreejourney #budgetplanner #budget #budgeting #paychecktopaycheck #daveramsey  #cashenvelopes #sinkingfunds #erincondren  #budgetingtips #financialgoals #budgetlife #budgetgoals #financialgoals #etsy #budgetkits #paydaystickers

New video is up on my channel with the August budget kits. New shop updates will be coming soon. Until then shop www.janesdiary.org
#debtfreecommunity #debtfreejourney #budgetplanner #budget #budgeting #paychecktopaycheck #daveramsey #cashenvelopes #sinkingfunds #erincondren #budgetingtips #financialgoals #budgetlife #budgetgoals #financialgoals #etsy #budgetkits #paydaystickers

25 0 6 hours ago
Au Clair de Lune: a suuuuper cute bar not too far from the Sacré-Coeur where we got to live out our best budget lives with €5 happy “hour” cocktails. Cheers to that! 🥂 •
#paris #parisian #budgettravel #budgetlife #auclairdelune #cocktails #happyhour #cocktailsofinstagram #bar #18tharrondissement #france #francais #nightlife #drinking #travelgram #foodietravel

Au Clair de Lune: a suuuuper cute bar not too far from the Sacré-Coeur where we got to live out our best budget lives with €5 happy “hour” cocktails. Cheers to that! 🥂 •
#paris #parisian #budgettravel #budgetlife #auclairdelune #cocktails #happyhour #cocktailsofinstagram #bar #18tharrondissement #france #francais #nightlife #drinking #travelgram #foodietravel

26 2 6 hours ago
Work hard and smart by saving and investing wisely and consistently. If you do, you stand to benefit from rising stock prices. Signup for our newsletter for more personal finance tips. Link in bio. #BuildYourTomorrow

Work hard and smart by saving and investing wisely and consistently. If you do, you stand to benefit from rising stock prices. Signup for our newsletter for more personal finance tips. Link in bio. #BuildYourTomorrow

41 6 7 hours ago

Top #budgetlife posts

This type of behavior is a game changer for your financial future. ⠀
⠀
If you live on less, not only will you stop unnecessary expenses but it will free up money to put towards debt.⠀
⠀
If you live on less, you will have more to put into savings ⠀
⠀
If you live on less, you can pay off your house early⠀
⠀
If you live on less, you realize you CAN live on less! ⠀
⠀
#budgeting #everydaymillionaires #liveonless #livelikenooneelse #liveonlessthanyoumake #loveyourlifenottheirs #debtfree #financialindependence #budgeifestyle #budgetlife #financialfreedom #smartmoney #chrishogan360 #daveramsey #daveramseybabysteps #debtfreecommunity #debtpayoff #debtfreejourney

This type of behavior is a game changer for your financial future. ⠀

If you live on less, not only will you stop unnecessary expenses but it will free up money to put towards debt.⠀

If you live on less, you will have more to put into savings ⠀

If you live on less, you can pay off your house early⠀

If you live on less, you realize you CAN live on less! ⠀

#budgeting #everydaymillionaires #liveonless #livelikenooneelse #liveonlessthanyoumake #loveyourlifenottheirs #debtfree #financialindependence #budgeifestyle #budgetlife #financialfreedom #smartmoney #chrishogan360 #daveramsey #daveramseybabysteps #debtfreecommunity #debtpayoff #debtfreejourney

519 29 11 June, 2019

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A big reason of why we've been quieter lately. 
We have a big secret we are finally ready to share.
Now to start saving for #debtfreebaby
Guess it's true what they say, when you start staying home to save money babies happen 🤣🤣
Couldn't be more excited for this new adventure ❤❤ #changingourfamilytree #debtfree #debtfreejourney #debtfreecommunity #daveramsey #babysteps #babystep2 #budget #budgetplanner #budgetwiththeblackwells #budgetlife #livelikenooneelse #blackwellsonabudget #nospendmarch #gazelleintense #cashisking #debtisdumb #cashenvelopesystem #cashenvelopes #beweird #nospend2019 #teamsmallshovel #debtfreelv

A big reason of why we've been quieter lately.
We have a big secret we are finally ready to share.
Now to start saving for #debtfreebaby
Guess it's true what they say, when you start staying home to save money babies happen 🤣🤣
Couldn't be more excited for this new adventure ❤❤ #changingourfamilytree #debtfree #debtfreejourney #debtfreecommunity #daveramsey #babysteps #babystep2 #budget #budgetplanner #budgetwiththeblackwells #budgetlife #livelikenooneelse #blackwellsonabudget #nospendmarch #gazelleintense #cashisking #debtisdumb #cashenvelopesystem #cashenvelopes #beweird #nospend2019 #teamsmallshovel #debtfreelv

1,514 39 21 May, 2019
My budget would appreciate this! 💸⛽️

My budget would appreciate this! 💸⛽️

3,609 175 15 May, 2019

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This is me biting my tongue hard to keep from saying “if you can’t afford it you don’t “deserve” it.
.
I really have beef with the word “deserve”. Let’s stop using it to talk about material possessions. We don’t “deserve” any of it. If we think hard enough about it, we have more than most people on earth already. It’s okay to have things, but remember that even if you can afford them, you don’t “deserve” them. 👋🏻🎤
#debtfreecommunity

This is me biting my tongue hard to keep from saying “if you can’t afford it you don’t “deserve” it.
.
I really have beef with the word “deserve”. Let’s stop using it to talk about material possessions. We don’t “deserve” any of it. If we think hard enough about it, we have more than most people on earth already. It’s okay to have things, but remember that even if you can afford them, you don’t “deserve” them. 👋🏻🎤
#debtfreecommunity

1,119 42 19 May, 2019

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Warning: this post contains swear words but a hell of a lot of truth.

Warning: this post contains swear words but a hell of a lot of truth.

1,052 56 12 June, 2019