#debtisdumb Instagram Photos & Videos

debtisdumb - 76.1k posts

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What is the cheapest thing you’ve done on this journey? I bring a water bottle to work bc we have a water machine in the workroom. That way I don’t have to spend money on water 😂😂😂😂 #summerschoolsadness

What is the cheapest thing you’ve done on this journey? I bring a water bottle to work bc we have a water machine in the workroom. That way I don’t have to spend money on water 😂😂😂😂 #summerschoolsadness

6 3 8 minutes ago
#Repost @kbritt318
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Today is the start of pay period 6 and we woke up early to do something major! We paid off Tyler's truck. We paid it off 18 months early and we couldn't be more thrilled!
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@tcbritt85 and I started our debt free journey in January 2018. In 1.5 years we've paid off 5 debts - $25k!
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Money worries tend to infiltrate every aspect of life. Fight about money, stress about money, make decisions solely based on finances. It's a battle that can't be won until you are on the same team with the same goal. There's no way this was just us, right?
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In the last year, we have had almost daily check ins about our goals and visions we have for how we will live in 5 years, 10 years, and beyond. We've had budget meetings, made difficult decisions TOGETHER, and encouraged each other. Do we still fight? Hell. Yes. But at least we can fight about things other than money.
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Whether you are single, married, anywhere in between budgets are powerful but even more powerful is being surrounded by a tribe that supports you, understands you, and encourages you. Find your tribe.
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#debtfreecommunity #debtfreejourney #financialpeaceuniversity #livelikenooneelse #daveramsey #babysteps #babystep2 #debtisdumb #neveragain #debt

#Repost @kbritt318
• • • • •
Today is the start of pay period 6 and we woke up early to do something major! We paid off Tyler's truck. We paid it off 18 months early and we couldn't be more thrilled!
...
@tcbritt85 and I started our debt free journey in January 2018. In 1.5 years we've paid off 5 debts - $25k!
...
Money worries tend to infiltrate every aspect of life. Fight about money, stress about money, make decisions solely based on finances. It's a battle that can't be won until you are on the same team with the same goal. There's no way this was just us, right?
...
In the last year, we have had almost daily check ins about our goals and visions we have for how we will live in 5 years, 10 years, and beyond. We've had budget meetings, made difficult decisions TOGETHER, and encouraged each other. Do we still fight? Hell. Yes. But at least we can fight about things other than money.
...
Whether you are single, married, anywhere in between budgets are powerful but even more powerful is being surrounded by a tribe that supports you, understands you, and encourages you. Find your tribe.
...
#debtfreecommunity #debtfreejourney #financialpeaceuniversity #livelikenooneelse #daveramsey #babysteps #babystep2 #debtisdumb #neveragain #debt

1 0 12 minutes ago

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Just had our payslips through for next Tuesday and I didn’t think I would be getting anything extra this month with my full time hours (this weeks my first week) due to payroll cut offs but I did!! 🙌🏻🙌🏻 so happy!! That’s an extra £150 to the overdraft so I’ll be able to pay £350 off it next week! It’s currently at £850 and I want it down to £400 or less by the end of July. So excited to finally start this journey properly!! #fulltimehours #extrapay #debtfreecommunity #debtfreecommunityuk #debtfreejourney #debtfreejourneyuk #debtfreewannabe #debtfreewannabeuk #debtfreedreams #debtfreegoals #budgetmum #budget #budgeting #debtsucks #debtsnowball #debtisdumb #thebudgetmom #cashenvelopes #sinkingfunds #daveramsey #daveramseybabysteps #babystep2

Just had our payslips through for next Tuesday and I didn’t think I would be getting anything extra this month with my full time hours (this weeks my first week) due to payroll cut offs but I did!! 🙌🏻🙌🏻 so happy!! That’s an extra £150 to the overdraft so I’ll be able to pay £350 off it next week! It’s currently at £850 and I want it down to £400 or less by the end of July. So excited to finally start this journey properly!! #fulltimehours #extrapay #debtfreecommunity #debtfreecommunityuk #debtfreejourney #debtfreejourneyuk #debtfreewannabe #debtfreewannabeuk #debtfreedreams #debtfreegoals #budgetmum #budget #budgeting #debtsucks #debtsnowball #debtisdumb #thebudgetmom #cashenvelopes #sinkingfunds #daveramsey #daveramseybabysteps #babystep2

11 2 18 minutes ago
One of the things I haven't given up is my car. It's a need for me especially where we live public transportation isn't the greatest and we have long cold winters. Yes, I could've purchased a car using cash and I did that before I finally decided to finance one. My first car cost $5k paid in cash but not having enough knowledge abt cars the seller took adcantage of me. A year after, the car started to fall apart and it's getting expensive. 
October 2015 when I financed a car and the cost of it was $46k plus excluding interest. More than 3 yrs after I'm down to $15k plus. My plan is to pay this off next year as I tackle other debt first. I can't be happier now that I can finally see the numbers going down. 
During those years of #becomingdebtfree I have learned a lot and I am still learning. It wasn't easy but it did get better especially I have found this #debtfreecommunity where support and accountability is overflowing.
#becomingdebtfree
#debtsucks 
#debtisdumb
#dfcpinoy 
#debtfreecommunity
#debtfreecommunitycanada

One of the things I haven't given up is my car. It's a need for me especially where we live public transportation isn't the greatest and we have long cold winters. Yes, I could've purchased a car using cash and I did that before I finally decided to finance one. My first car cost $5k paid in cash but not having enough knowledge abt cars the seller took adcantage of me. A year after, the car started to fall apart and it's getting expensive.
October 2015 when I financed a car and the cost of it was $46k plus excluding interest. More than 3 yrs after I'm down to $15k plus. My plan is to pay this off next year as I tackle other debt first. I can't be happier now that I can finally see the numbers going down.
During those years of #becomingdebtfree I have learned a lot and I am still learning. It wasn't easy but it did get better especially I have found this #debtfreecommunity where support and accountability is overflowing.
#becomingdebtfree
#debtsucks
#debtisdumb
#dfcpinoy
#debtfreecommunity
#debtfreecommunitycanada

3 0 29 minutes ago
For Christmas, I had promised my kids one family activity per month for 2019. I’ve budgeted $100 per month (that’s the limit), though there are a few that are much cheaper. I am of the mind that I can pay off my debt for years, but my kids are getting older quickly. I want to make memories with them now while I can.

June’s activity was a scavenger hunt through St. Augustine, which is one of our favorite cities to visit. We were sent different tasks to complete (like photo challenges-second pic) and questions to answer to earn points. We didn’t really care about competing against other teams online; it was about seeing a familiar place with new eyes, as well as working together on a fun task. And it wasn’t an expensive activity. We had a great time!

For Christmas, I had promised my kids one family activity per month for 2019. I’ve budgeted $100 per month (that’s the limit), though there are a few that are much cheaper. I am of the mind that I can pay off my debt for years, but my kids are getting older quickly. I want to make memories with them now while I can.

June’s activity was a scavenger hunt through St. Augustine, which is one of our favorite cities to visit. We were sent different tasks to complete (like photo challenges-second pic) and questions to answer to earn points. We didn’t really care about competing against other teams online; it was about seeing a familiar place with new eyes, as well as working together on a fun task. And it wasn’t an expensive activity. We had a great time!

10 3 42 minutes ago

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Happy Thursday❗️
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🔑 Become comfortable with being uncomfortable 🤗💕

Happy Thursday❗️
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🔑 Become comfortable with being uncomfortable 🤗💕

14 2 49 minutes ago
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The hardest step is always the first one. Don’t get stuck chasing perfection, don’t get stuck trying to please someone else.
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Rather, understand that the game is long and you’ll look from mistakes.
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Start TODAY.
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Give us a follow if you’re trying to get out of debt, control your finances, and become financially literate.
Follow us!▪️ @financial_leash 💥
Follow us!▪️ @financial_leash 💥
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#buildwealth#smartmoney#moneygoals#financialadvisor#financialgoals#moneymanagement#daveramsey#budgeting#moneysavingtips#budgetlife#frugallife#businesstip#getoutofdebt#debtfreegoals#debtfreeliving#financialeducation#financetips#financialindependence#moneymatters#moneylessons#practicalfinance#debtfreedom#debtfreejourney#financiallystable#financialfreedom#financiallyfree#debtisdumb#monitoryourwealth#monitoryourmoney#trackingwealth

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The hardest step is always the first one. Don’t get stuck chasing perfection, don’t get stuck trying to please someone else.
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Rather, understand that the game is long and you’ll look from mistakes.
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Start TODAY.
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Give us a follow if you’re trying to get out of debt, control your finances, and become financially literate.
Follow us!▪️ @financial_leash 💥
Follow us!▪️ @financial_leash 💥
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#buildwealth #smartmoney #moneygoals #financialadvisor #financialgoals #moneymanagement #daveramsey #budgeting #moneysavingtips #budgetlife #frugallife #businesstip #getoutofdebt #debtfreegoals #debtfreeliving #financialeducation #financetips #financialindependence #moneymatters #moneylessons #practicalfinance #debtfreedom #debtfreejourney #financiallystable #financialfreedom #financiallyfree #debtisdumb #monitoryourwealth #monitoryourmoney #trackingwealth

72 3 53 minutes ago
Woohoo!! Awesome job. 💪

#repost @jayzallll

This is for who ever said going to college without student loans WASNT possible AND also encouragement to ALL those trying to do the same! Debt free is possible!💁🏻‍Thank you @daveramsey .
#experiencecalpoly #calpolyproud #calpolyslo #debitfree #classof2019 #financialfreedom #intentionalliving #workschoolworkrepeat .
📸: @staciandmichaelphotography .
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🌸business: @maunaflorist 
#dowhatyoulove #financialpeace #hustle #eutrepenuer #hardwork #debtfreejourney #debtisdumb #motivation #selfcare #girlboss #findyourhappy #maunaflorist #choosemountains #mountainlife #forceofnature #optoutside #outdoorwomen #lifeoutdoors #debtfreecommunity #debtfreescream

Woohoo!! Awesome job. 💪

#repost @jayzallll

This is for who ever said going to college without student loans WASNT possible AND also encouragement to ALL those trying to do the same! Debt free is possible!💁🏻‍Thank you @daveramsey .
#experiencecalpoly #calpolyproud #calpolyslo #debitfree #classof2019 #financialfreedom #intentionalliving #workschoolworkrepeat .
📸: @staciandmichaelphotography .
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🌸business: @maunaflorist
#dowhatyoulove #financialpeace #hustle #eutrepenuer #hardwork #debtfreejourney #debtisdumb #motivation #selfcare #girlboss #findyourhappy #maunaflorist #choosemountains #mountainlife #forceofnature #optoutside #outdoorwomen #lifeoutdoors #debtfreecommunity #debtfreescream

10 0 56 minutes ago
FREEDOM!! 💪

#repost @cnw825

WE'RE DEBT FREE! 🎉🎉🎉
This has been quite the journey for us. We have known all about @daveramsey for a long time now, yet we discovered how difficult it was to stay gazelle intense and 💯 percent focused the entire time. But we always worked together to make the hard decisions, to go back to the budget, to let go of the stuff, and to keep our eyes on the prize.
We couldn't have done this without the grace of God, our friends and family cheering us on, or @daveramsey and @rachelcruze inspiring and teaching us.
#ontobabystep3 #debtfreecommunity #debtfree #daveramsey #debtfreescream #debtisdumb #aldertonadventures #calliechristian #debtfreedom #byebyestudentloans #peaceoutsalliemae

FREEDOM!! 💪

#repost @cnw825

WE'RE DEBT FREE! 🎉🎉🎉
This has been quite the journey for us. We have known all about @daveramsey for a long time now, yet we discovered how difficult it was to stay gazelle intense and 💯 percent focused the entire time. But we always worked together to make the hard decisions, to go back to the budget, to let go of the stuff, and to keep our eyes on the prize.
We couldn't have done this without the grace of God, our friends and family cheering us on, or @daveramsey and @rachelcruze inspiring and teaching us.
#ontobabystep3 #debtfreecommunity #debtfree #daveramsey #debtfreescream #debtisdumb #aldertonadventures #calliechristian #debtfreedom #byebyestudentloans #peaceoutsalliemae

1 0 1 hour ago
Guess what?⠀⠀
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Mistakes are one of the BEST learning tools!  They can mold you, strengthen you, and humble you in a way books can't.⠀⠀
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BUT!  You have to be willing to listen to the lesson.⠀⠀
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The next time you mess up with your finances, admit your mistakes and then ask yourself what you can learn from it.  And then....have the strength to apply that lesson to your life.⠀⠀
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#sweetfrugallife #onabudget #budgeting #budgetlife #savingmoney #frugalliving #robertkiyosaki #richdadpoordad #debtfreecommunity #dumpthedebt #debtfree #cashisking #debtisdumb #richdadpoordad #failforward #moneyquotes #moneytalks #moneyhelpps #frugalmom #frugallife #makemistakes #learnfromyourmistakes #firecommunity

Guess what?⠀⠀
.⠀⠀
Mistakes are one of the BEST learning tools! They can mold you, strengthen you, and humble you in a way books can't.⠀⠀
.⠀⠀
BUT! You have to be willing to listen to the lesson.⠀⠀
.⠀⠀
The next time you mess up with your finances, admit your mistakes and then ask yourself what you can learn from it. And then....have the strength to apply that lesson to your life.⠀⠀
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#sweetfrugallife #onabudget #budgeting #budgetlife #savingmoney #frugalliving #robertkiyosaki #richdadpoordad #debtfreecommunity #dumpthedebt #debtfree #cashisking #debtisdumb #richdadpoordad #failforward #moneyquotes #moneytalks #moneyhelpps #frugalmom #frugallife #makemistakes #learnfromyourmistakes #firecommunity

103 2 1 hour ago
paying a little extra today ❄
#debtfreecommunity #debtfreeteacher #debtisdumb

paying a little extra today ❄
#debtfreecommunity #debtfreeteacher #debtisdumb

2 0 1 hour ago
When people say you aren’t having fun. You are not living your best life! 
People throwing shade at your debt free journey. Positive vibes gang! If you give off bad energy I believe bad energy will come back to you. #happiness #goodvibes #badvibes #goodkarma #karmaisabitch #positivity #shade #debtisdumb #debtfreejourney #gazelleintense #debtfreecommunity #debtfreejourney #financialpeace

When people say you aren’t having fun. You are not living your best life!
People throwing shade at your debt free journey. Positive vibes gang! If you give off bad energy I believe bad energy will come back to you. #happiness #goodvibes #badvibes #goodkarma #karmaisabitch #positivity #shade #debtisdumb #debtfreejourney #gazelleintense #debtfreecommunity #debtfreejourney #financialpeace

6 0 1 hour ago
Progress!!! We had our first official walk through on site today (after I've been secretly going onto the site for weeks 😂) and we're really pleased with the progress that's been made.

Our site superviser seems really good and he's about two weeks ahead of schedule.

All the frames and brickworks are done and the roofing will be complete this week. They've started putting in the electric cables and I probably saved him a lot of hassle by letting him know we're supposed to have an alarm system which the main office somehow didn't pass on to him. 
They'll do the insulation next and then the gyp rock walls and staircase. We're really getting excited now and the possibility of being in the new home by Christmas seems very real.

#barefootinvestor #babystep2 #brokeaf #livingonabudget #daveramsey #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debtfreedad #debtisdumb #debtfreecommunityaustralia #debtisslavery #debtfreeliving #emergencyfund #financialplanning #frugalliving #frugal #frugaldad #frugallife #financialfreedom #financialindependence #gazelleintense #ozdebtfreecommunity #savingmoney #wealth #buildingahouse #buildingahome #construction

Progress!!! We had our first official walk through on site today (after I've been secretly going onto the site for weeks 😂) and we're really pleased with the progress that's been made.

Our site superviser seems really good and he's about two weeks ahead of schedule.

All the frames and brickworks are done and the roofing will be complete this week. They've started putting in the electric cables and I probably saved him a lot of hassle by letting him know we're supposed to have an alarm system which the main office somehow didn't pass on to him.
They'll do the insulation next and then the gyp rock walls and staircase. We're really getting excited now and the possibility of being in the new home by Christmas seems very real.

#barefootinvestor #babystep2 #brokeaf #livingonabudget #daveramsey #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debtfreedad #debtisdumb #debtfreecommunityaustralia #debtisslavery #debtfreeliving #emergencyfund #financialplanning #frugalliving #frugal #frugaldad #frugallife #financialfreedom #financialindependence #gazelleintense #ozdebtfreecommunity #savingmoney #wealth #buildingahouse #buildingahome #construction

13 0 1 hour ago

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#transformationthursday 
I started my job 9 months ago. I work in a manufacturing plant where i walk close to 10k steps per day. Since I started I’ve worn the same pair of shoes everyday. I love the minimalism of the situation however these shoes have walked many miles. •
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I love these shoes. I spent $40 on the comfiest pair that would match anything and everything. After many months and miles these shoes have started to fail me. If i consider #costperwear I spent about. $.20 per day after 9 months. I could make these shoes stretch a little longer until they truly fall apart but there isn’t any tread left and I don’t want to fall at work. •
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Fortunately my replacement pair is similar but was on sale for $20. Because I loved the shoes so much I also bought them in Navy for $20. Hoping to make the cost per wear on these $.10. •
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#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #minimalist #minimalism #zerobasedbudget #debtisdumb #cashisking #llnoe #studentloans #sidehustle #payday #livelikenooneelse #studentloans #contentment #content

#transformationthursday
I started my job 9 months ago. I work in a manufacturing plant where i walk close to 10k steps per day. Since I started I’ve worn the same pair of shoes everyday. I love the minimalism of the situation however these shoes have walked many miles. •

I love these shoes. I spent $40 on the comfiest pair that would match anything and everything. After many months and miles these shoes have started to fail me. If i consider #costperwear I spent about. $.20 per day after 9 months. I could make these shoes stretch a little longer until they truly fall apart but there isn’t any tread left and I don’t want to fall at work. •

Fortunately my replacement pair is similar but was on sale for $20. Because I loved the shoes so much I also bought them in Navy for $20. Hoping to make the cost per wear on these $.10. •

#daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #minimalist #minimalism #zerobasedbudget #debtisdumb #cashisking #llnoe #studentloans #sidehustle #payday #livelikenooneelse #studentloans #contentment #content

21 0 1 hour ago
Question: The rest of my student loans are with My Great Lakes, and I have been having issues with extra payments. I make my monthly payment, and then I select a specific loan when applying extra payments. This month I have made 4 extra payments, 2 of which they have distributed across all the loans instead of the specified one. I then calculated that I have paid $1,737.91, my total balance has dropped by $1,509.93, but it says I've paid $55.12 in interest. So where did the extra $173.76 go? 🤔 Am I missing something?

Question: The rest of my student loans are with My Great Lakes, and I have been having issues with extra payments. I make my monthly payment, and then I select a specific loan when applying extra payments. This month I have made 4 extra payments, 2 of which they have distributed across all the loans instead of the specified one. I then calculated that I have paid $1,737.91, my total balance has dropped by $1,509.93, but it says I've paid $55.12 in interest. So where did the extra $173.76 go? 🤔 Am I missing something?

15 1 1 hour ago
Minimalism is the foundation of freedom. Not being attached or trapped to material objects or the need for them is an amazing feeling. This also goes hand-in-hand with financial freedom. Choose to be free! 💡
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Follow @wealthsense for more! ✅

Minimalism is the foundation of freedom. Not being attached or trapped to material objects or the need for them is an amazing feeling. This also goes hand-in-hand with financial freedom. Choose to be free! 💡
.
Follow @wealthsense for more! ✅

72 8 1 hour ago
🚨 🚨NEW RESULTS ARE IN🚨🚨 My client @msbnicole85 got her results in the mail of her STUDENT LOANS DELETED and serval other accounts 💪🏽💪🏽💪🏽 DM me if you want to start your credit repair process NO SSN NEEDED AT ALL!!! #creditrepairagent #creditsweep #creditreport #creditrepairservices #creditrestoration #debt #debtfree #credit #creditfix #debtfreecommunity #debtfreejourney #debtsnowball #debtfreegoals #debtfreedom #debtisdumb #creditscore #credittips #creditagent #creditgoals #creditsuisse #creditisking #creditsweep

🚨 🚨NEW RESULTS ARE IN🚨🚨 My client @msbnicole85 got her results in the mail of her STUDENT LOANS DELETED and serval other accounts 💪🏽💪🏽💪🏽 DM me if you want to start your credit repair process NO SSN NEEDED AT ALL!!! #creditrepairagent #creditsweep #creditreport #creditrepairservices #creditrestoration #debt #debtfree #credit #creditfix #debtfreecommunity #debtfreejourney #debtsnowball #debtfreegoals #debtfreedom #debtisdumb #creditscore #credittips #creditagent #creditgoals #creditsuisse #creditisking #creditsweep

5 1 2 hours ago
I have been worried about this!  I have $2027 left to pay off my car and it was up for inspection. Was very worried that I would have some expenses with this process. It passed! 🚘✅❤️
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#debtfreecommunity #debtfreelifestyle #daveramsey #financialpeace #livelikenooneelse #babysteps #budget #debtisdumb #personalfinance #money #finance #wealth #debt #financiallifestyle #budget #life #saving #moneytips

I have been worried about this! I have $2027 left to pay off my car and it was up for inspection. Was very worried that I would have some expenses with this process. It passed! 🚘✅❤️
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#debtfreecommunity #debtfreelifestyle #daveramsey #financialpeace #livelikenooneelse #babysteps #budget #debtisdumb #personalfinance #money #finance #wealth #debt #financiallifestyle #budget #life #saving #moneytips

14 1 2 hours ago
Drop a “💯💯” if you desire to be WEALTHY.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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True wealth doesn’t come over night. If we truly desire to be wealthy, we must begin to make smart decisions TODAY with our finances that will add up to wealth tomorrow!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Question: By what age do you desire to be wealthy/millionaire? ⠀

Drop a “💯💯” if you desire to be WEALTHY.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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True wealth doesn’t come over night. If we truly desire to be wealthy, we must begin to make smart decisions TODAY with our finances that will add up to wealth tomorrow!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Question: By what age do you desire to be wealthy/millionaire? ⠀

1,982 120 2 hours ago
You choose! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Has anyone had a dream or goal for years? Well I have. I know God wouldn't put these dreams on my heart if they were not my purpose. Its just a matter of me putting all these ideas in my head to make up one. I have bounced all around the place for so long. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Now I am more than focused. I am thankful for finding this community and  finding other women bosses who have taken themselves out of debt and started businesses debt free. It can be done.  Through consistency and hard work I know that I can complete the same tasks. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#dfc #debtfreecommunity #debtmakesmesick #nomoredebt #debtfreegoals #debtsnowball #debtfreeliving #debtfree #erasingdebt #budgetplanner #savingmoney #summer2019 #keyla.finance #debtpayoff #financialindependence #personalfinance #babysteps #minimalist #sixfiguredebt #goaldigger #financialfreedom #beweird #livelikenoneelse #choosefi #budgetgoals #livingonabudget #moneysuccess #planwithme #debtisdumb #onedayordayone

You choose! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Has anyone had a dream or goal for years? Well I have. I know God wouldn't put these dreams on my heart if they were not my purpose. Its just a matter of me putting all these ideas in my head to make up one. I have bounced all around the place for so long. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Now I am more than focused. I am thankful for finding this community and finding other women bosses who have taken themselves out of debt and started businesses debt free. It can be done. Through consistency and hard work I know that I can complete the same tasks. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#dfc #debtfreecommunity #debtmakesmesick #nomoredebt #debtfreegoals #debtsnowball #debtfreeliving #debtfree #erasingdebt #budgetplanner #savingmoney #summer2019 #keyla .finance #debtpayoff #financialindependence #personalfinance #babysteps #minimalist #sixfiguredebt #goaldigger #financialfreedom #beweird #livelikenoneelse #choosefi #budgetgoals #livingonabudget #moneysuccess #planwithme #debtisdumb #onedayordayone

6 0 2 hours ago
I do....
⠀⠀
It was 2015, and four months after I finished grad school. I had FINALLY found a job after months of searching and multiple interviews. I was hired as a temporary worker, so the pay wasn’t great and there were no benefits.
⠀⠀
I remember logging onto my FedLoan account during my lunch one day. I wanted to check what my payments would be since I would be coming off the grace period.
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And that’s when it hit me...like a ton of bricks. I saw a balance of $128,173.95.  I couldn’t believe it. How did this happen? I instantly broke down and began to cry. I called FedLoan, hopeful there was some kind of mistake. But, there was no mistake. This was, in fact, my student loan balance.
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Before that moment, I had no idea what the cost of my graduate school was. I know it sounds silly, but I didn’t know any better. My parents had never taught me anything in regards to finances, budgeting, loans, etc. I didn’t even know how to write a check until after I was married and my mother-in-law taught me!
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It’s pathetic, I know. But, this is the reality for a lot of people today. They don’t know any better. This kind of stuff isn’t taught in school. I am beyond thankful that we found @daveramsey. It may have taken another 3 years, but we found him!
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Remembering that day brings back a lot of emotions. But, that’s in the past. We will change our family tree and our children WILL know what it’s like to have financial peace and how to manage their money properly.
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.
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 #debt #debtsnowball #debtisdumb #cashisking #babysteptwo #dfc #debtfreecommunity #budget #budgeting #everydollar #howtosavemoney #goals #frugal #momsofinstagram #budgetlife #personalfinance #frugalmom #debtfreegoals #debtfreejourney #savemoney #cash #daveramsey #financialfreedom #debtfree #studentloandebt #change #ipreview via @preview.app

I do....
⠀⠀
It was 2015, and four months after I finished grad school. I had FINALLY found a job after months of searching and multiple interviews. I was hired as a temporary worker, so the pay wasn’t great and there were no benefits.
⠀⠀
I remember logging onto my FedLoan account during my lunch one day. I wanted to check what my payments would be since I would be coming off the grace period.
⠀⠀
And that’s when it hit me...like a ton of bricks. I saw a balance of $128,173.95. I couldn’t believe it. How did this happen? I instantly broke down and began to cry. I called FedLoan, hopeful there was some kind of mistake. But, there was no mistake. This was, in fact, my student loan balance.
⠀⠀
Before that moment, I had no idea what the cost of my graduate school was. I know it sounds silly, but I didn’t know any better. My parents had never taught me anything in regards to finances, budgeting, loans, etc. I didn’t even know how to write a check until after I was married and my mother-in-law taught me!
⠀⠀
It’s pathetic, I know. But, this is the reality for a lot of people today. They don’t know any better. This kind of stuff isn’t taught in school. I am beyond thankful that we found @daveramsey . It may have taken another 3 years, but we found him!
⠀⠀
Remembering that day brings back a lot of emotions. But, that’s in the past. We will change our family tree and our children WILL know what it’s like to have financial peace and how to manage their money properly.
.
.
.
#debt #debtsnowball #debtisdumb #cashisking #babysteptwo #dfc #debtfreecommunity #budget #budgeting #everydollar #howtosavemoney #goals #frugal #momsofinstagram #budgetlife #personalfinance #frugalmom #debtfreegoals #debtfreejourney #savemoney #cash #daveramsey #financialfreedom #debtfree #studentloandebt #change #ipreview via @preview.app

22 2 4 hours ago
Which one are you? I’m #12 but not to the extreme. 🍸@nowfuture #debtfreecommunity #debtfreejourney #debtsucks #debtisdumb #daveramsey #badhabits

Which one are you? I’m #12 but not to the extreme. 🍸@nowfuture #debtfreecommunity #debtfreejourney #debtsucks #debtisdumb #daveramsey #badhabits

153 6 5 hours ago

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Yesterday I had to miss out on my sleepover shift at work thanks to that wonderful thing we all know amd love. Diarrhea. I was bummed out because not only was I in horrendous amounts of pain, I also had the pain of missing out on evening rates at work. .
Today I had a phonecall asking if I wanted to do an emergency supoort with a client up at the hospital. You betcha!!! I'm 100% better than I was yesterday. And with an undertermined finish time, this could be good!!!
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I don't mind doing the hospital supports. The people that I look after usually have a hard time being in hospital and understanding what is going on. I'm glad I get to be that familiar face that they can trust and help them communicate their needs.

Yesterday I had to miss out on my sleepover shift at work thanks to that wonderful thing we all know amd love. Diarrhea. I was bummed out because not only was I in horrendous amounts of pain, I also had the pain of missing out on evening rates at work. .
Today I had a phonecall asking if I wanted to do an emergency supoort with a client up at the hospital. You betcha!!! I'm 100% better than I was yesterday. And with an undertermined finish time, this could be good!!!
.
I don't mind doing the hospital supports. The people that I look after usually have a hard time being in hospital and understanding what is going on. I'm glad I get to be that familiar face that they can trust and help them communicate their needs.

26 4 5 hours ago
..these 12 hour shifts can get hard but financial freedom will be worth it✨ 
S/O to all my badass women in the #DFC that are working long hours to pay off that debt! Chug some coffee & handle the day.. your goals don’t care if you’re tired. YOU GOT THIS. #debtfreecommunity #debtfreejourney #debtfreeliving #debtisdumb #financialfreedom #financialstability #frugalliving #frugallivinginCA #frugal #fitandfrugal #babystep2 #babystep3 #savingup #housefund #downpayment

..these 12 hour shifts can get hard but financial freedom will be worth it✨
S/O to all my badass women in the #DFC that are working long hours to pay off that debt! Chug some coffee & handle the day.. your goals don’t care if you’re tired. YOU GOT THIS. #debtfreecommunity #debtfreejourney #debtfreeliving #debtisdumb #financialfreedom #financialstability #frugalliving #frugallivinginCA #frugal #fitandfrugal #babystep2 #babystep3 #savingup #housefund #downpayment

51 4 6 hours ago
This is a brand new budget that I will now stick too. 
A guide into my monthly bills. 
With my leftover money, I will budget $80pw petrol ($320 pm) $100pw savings ($400pm) $43pw spending ($173pm) 
Down to the $ 
I have just started this strict budget so wish me luck 
#debtfreegoals #debtfree #debtisdumb #debtfreelife #debtfreejourney #debt

This is a brand new budget that I will now stick too.
A guide into my monthly bills.
With my leftover money, I will budget $80pw petrol ($320 pm) $100pw savings ($400pm) $43pw spending ($173pm)
Down to the $
I have just started this strict budget so wish me luck
#debtfreegoals #debtfree #debtisdumb #debtfreelife #debtfreejourney #debt

8 0 8 hours ago
I'm bored with myself. Does anyone else ever feel that way? I'm bored with paying off my stupid credit card that I racked up buying God knows what for years, I'm sick of googling investments and stocks and GICs and high interest accounts and not being able to do anything with the information because of before mentioned debt. I'm bored of being lazy and I'm sick of not exercising as much as I should. I'm just... Bored. But - whining never helped anyone, so tomorrow I'm going for a run and shake this off!

#debtfreecommunity #boredisboring #getoutandmove #nomoredebt #slowbutsure #itsaprocess #debtisdumb #smallchangesbigresults #pocketchange #debtfreecanada #womenandmoney #yycliving #debtfreecalgary #daveramseybabysteps #debtsnowball #financialfreedom #debtfreecanada #dfj #debtfree2019 #savemore #savingsaccountgrowing #moreinterest #spendfreeday #nospenddays #challengeyourself #dfc #frugalliving

I'm bored with myself. Does anyone else ever feel that way? I'm bored with paying off my stupid credit card that I racked up buying God knows what for years, I'm sick of googling investments and stocks and GICs and high interest accounts and not being able to do anything with the information because of before mentioned debt. I'm bored of being lazy and I'm sick of not exercising as much as I should. I'm just... Bored. But - whining never helped anyone, so tomorrow I'm going for a run and shake this off!

#debtfreecommunity #boredisboring #getoutandmove #nomoredebt #slowbutsure #itsaprocess #debtisdumb #smallchangesbigresults #pocketchange #debtfreecanada #womenandmoney #yycliving #debtfreecalgary #daveramseybabysteps #debtsnowball #financialfreedom #debtfreecanada #dfj #debtfree2019 #savemore #savingsaccountgrowing #moreinterest #spendfreeday #nospenddays #challengeyourself #dfc #frugalliving

19 7 9 hours ago
I’m still figuring out this whole #personalfinance thing. I’ve mentioned before, but as much as I love my parents, they are not good finance role models. Like everyone says, personal finance is personal! I’ve been trying to figure out what works best for me. I’m working on an emergency fund, and close to it being fully funded, but I know if I don’t save up for those “wants” that sneak up, I’ll go back to credit cards. I almost slipped today by stopping st my favorite (and expensive) store just because I felt like shopping and buying stuff. I even pulled up my store cars statement to see how much I could spend. The only thing that stopped me was seeing how much interest I’ve paid on that card this year!!! Y’all it was over $350!!!!!! I immediately put phone down, pulled out of the parking lot, and drove home. Old habits die HARD people. I am so happy I spent $2.12 (CASH) on this today while on an #easyshift I had $55 left from the $80 I took out in cash yesterday while grocery shopping. Some went to gas, others went to this and some miscellaneous needs. One thing I know about my personal finance journey, if the money is in my account-it will get spent. Cash in my wallet is less likely to spent. Cash hidden in my closet won’t get spent unless pre-pre-pre-planned. So that $55 is a head start on my plane ticket home for Christmas, gifts for upcoming events (3 birthdays, best friends pregnant, etc.), upcoming classroom necessities, and even my own mini (and I mean mini) house fund. I’m still sending almost everything to my emergency fund, still gonna tackle the #snowballpayments but if I don’t have any wiggle room I KNOW I will fail this journey. I’m determined to succeed, even as hard as it may seem right now I know I can do this.
#debtsnowball #babysteps #emergencyfund #debtfreejourney #debtfreecommunity #cashenvelopes #savings #cash #creditcard #debtsucks #oldhabitsdiehard #debtisdumb

I’m still figuring out this whole #personalfinance thing. I’ve mentioned before, but as much as I love my parents, they are not good finance role models. Like everyone says, personal finance is personal! I’ve been trying to figure out what works best for me. I’m working on an emergency fund, and close to it being fully funded, but I know if I don’t save up for those “wants” that sneak up, I’ll go back to credit cards. I almost slipped today by stopping st my favorite (and expensive) store just because I felt like shopping and buying stuff. I even pulled up my store cars statement to see how much I could spend. The only thing that stopped me was seeing how much interest I’ve paid on that card this year!!! Y’all it was over $350!!!!!! I immediately put phone down, pulled out of the parking lot, and drove home. Old habits die HARD people. I am so happy I spent $2.12 (CASH) on this today while on an #easyshift I had $55 left from the $80 I took out in cash yesterday while grocery shopping. Some went to gas, others went to this and some miscellaneous needs. One thing I know about my personal finance journey, if the money is in my account-it will get spent. Cash in my wallet is less likely to spent. Cash hidden in my closet won’t get spent unless pre-pre-pre-planned. So that $55 is a head start on my plane ticket home for Christmas, gifts for upcoming events (3 birthdays, best friends pregnant, etc.), upcoming classroom necessities, and even my own mini (and I mean mini) house fund. I’m still sending almost everything to my emergency fund, still gonna tackle the #snowballpayments but if I don’t have any wiggle room I KNOW I will fail this journey. I’m determined to succeed, even as hard as it may seem right now I know I can do this.
#debtsnowball #babysteps #emergencyfund #debtfreejourney #debtfreecommunity #cashenvelopes #savings #cash #creditcard #debtsucks #oldhabitsdiehard #debtisdumb

10 0 9 hours ago
I was lucky enough to see this tonight. It was inspiring! It made me happy! I left the theater smiling and full of joy!!! If ‘Playing With Fire’ blows through your city, spend the few bucks and go. Take a loved one and make it a night. I promise that it will get your FI wheels churning and rejuvenate your will to stay in the game🔥🔥🔥#debtfree #debtfreecommunity #budget #financialfreedom #slaythisdebt #choosefi #moneygoals #personalfinance #mom_to_millionaire #mortgagepayoff #mortgagefree #financialindependence #getoutofdebt #buildweath #moneymanagement #debtisdumb #womenandmoney #debtfreeissexy #moneymatters  #retirementplanning #daveramsey #everydaymillionaires #wealthbuilding #blackexcellence #playingwithfire

I was lucky enough to see this tonight. It was inspiring! It made me happy! I left the theater smiling and full of joy!!! If ‘Playing With Fire’ blows through your city, spend the few bucks and go. Take a loved one and make it a night. I promise that it will get your FI wheels churning and rejuvenate your will to stay in the game🔥🔥🔥 #debtfree #debtfreecommunity #budget #financialfreedom #slaythisdebt #choosefi #moneygoals #personalfinance #mom_to_millionaire #mortgagepayoff #mortgagefree #financialindependence #getoutofdebt #buildweath #moneymanagement #debtisdumb #womenandmoney #debtfreeissexy #moneymatters #retirementplanning #daveramsey #everydaymillionaires #wealthbuilding #blackexcellence #playingwithfire

18 0 9 hours ago
I spent my entire evening writing a 2,200 word blog post. I am REALLY enjoying doing something a bit creative that isn't just looking at numbers all day (I'm a CPA). At one point I had considered being an English major!
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I'm super excited about finding this new side business opportunity. I'm very much in the early stages that take a LOT of work, but I'm enjoying the process. Being down in the business details is one of my favorite parts!
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What have you done lately that adds a new hobby or helps you find a new passion?
.
#finances #financialfreedom #2019goals #budgeting #budgetplanner #debtfreecommunity #debt #gyflt #gettingorganized #erincondrendeluxemonthly #debtisdumb #budgetplanning #daveramsey #personalfinance #saving #payingoffdebt #moneymanagment #nospend #singledebtfreejourney #womenandfinance #DFC #milliondollarmindset #millionairemindset #blogger #financeblog #financeblogger

I spent my entire evening writing a 2,200 word blog post. I am REALLY enjoying doing something a bit creative that isn't just looking at numbers all day (I'm a CPA). At one point I had considered being an English major!
.
I'm super excited about finding this new side business opportunity. I'm very much in the early stages that take a LOT of work, but I'm enjoying the process. Being down in the business details is one of my favorite parts!
.
What have you done lately that adds a new hobby or helps you find a new passion?
.
#finances #financialfreedom #2019goals #budgeting #budgetplanner #debtfreecommunity #debt #gyflt #gettingorganized #erincondrendeluxemonthly #debtisdumb #budgetplanning #daveramsey #personalfinance #saving #payingoffdebt #moneymanagment #nospend #singledebtfreejourney #womenandfinance #DFC #milliondollarmindset #millionairemindset #blogger #financeblog #financeblogger

34 3 10 hours ago
I am making micro-decisions in the grocery game this summer with sandwiches, pasta dishes, less meat per portion, and freezing. Progress!
June 1st -19th 2018/2019 Analysis:⁣
Groceries 18.28% ⬇️ from 2018⁣
Dining 67% ⬇️ from 2018⁣
Taking notes from the DFC and implementing. #focusedonmygoals #frugalmeals #onepotmeals #eatathome #debtisdumb #debtsnowball #babystep2 #debtfreecommunity #debtfreejourney #loveyourlife #findjoy #findingjoy #findyourjoy

I am making micro-decisions in the grocery game this summer with sandwiches, pasta dishes, less meat per portion, and freezing. Progress!
June 1st -19th 2018/2019 Analysis:⁣
Groceries 18.28% ⬇️ from 2018⁣
Dining 67% ⬇️ from 2018⁣
Taking notes from the DFC and implementing. #focusedonmygoals #frugalmeals #onepotmeals #eatathome #debtisdumb #debtsnowball #babystep2 #debtfreecommunity #debtfreejourney #loveyourlife #findjoy #findingjoy #findyourjoy

13 0 11 hours ago
Guys!! I'm beyond shocked!!! Yesterday, I was putting together the "Money Manifestation" video I want to share in my new YouTube channel and guess what!!! So I began manifesting, saying all the things I say, keeping a positive mind and soul, etc etc. I was like YES! My video sounds amazing! So Today!! Drum roll please !! Money came into my life.... from 5 different places (OMG) no lie. Woke up this morning thinking nothing of it and saw my account and it was all Green transactions. Then my ex-husband came and said he wanted to gift me $1000, no paybacks or questions asked!!! What what!! Incredible God is good & the Law of Attraction works, has been working for me for quite sometime. How much you ask? $2,136USD... and I just paid $2,100 today, so it all came back to me. I love you guys so much, though I share some good news. Xoxo 🥰🥰☺️ #TheSecret #HowTheSecretChangedMyLife #ChickenSoupForTheSoul #TrueStory #Believe

Guys!! I'm beyond shocked!!! Yesterday, I was putting together the "Money Manifestation" video I want to share in my new YouTube channel and guess what!!! So I began manifesting, saying all the things I say, keeping a positive mind and soul, etc etc. I was like YES! My video sounds amazing! So Today!! Drum roll please !! Money came into my life.... from 5 different places (OMG) no lie. Woke up this morning thinking nothing of it and saw my account and it was all Green transactions. Then my ex-husband came and said he wanted to gift me $1000, no paybacks or questions asked!!! What what!! Incredible God is good & the Law of Attraction works, has been working for me for quite sometime. How much you ask? $2,136USD... and I just paid $2,100 today, so it all came back to me. I love you guys so much, though I share some good news. Xoxo 🥰🥰☺️ #TheSecret #HowTheSecretChangedMyLife #ChickenSoupForTheSoul #TrueStory #Believe

52 5 11 hours ago
••[EMERGENCY FUND]••
•
•3 month emergency fund: ✔️
Fully funded 3 month EF 2.5 months ahead of schedule!
•
•These steps work and were so glad we started when we did. There's no better feeling than knowing you have a lump of money set side for any unexpected event. •
•As we get closer to having our 6 month EF completed, we'll be getting ready to start investing into our retirement. •
•27 year olds preparing for retirement. It seems so far away, but really it's never too early (or to late) to be planning ahead for your future. •
•
•
#debtfree #debtisdumb #savingmoney
#livelikenooneelse #beweird #daveramseymademedoit #goodbyedebt  #beweird #daveramseybabysteps #budgeting #debtfreejourney #financialfreedom #debtfreecommunity #daveramsey #money #frugal #frugalfritschles #totalmoneymakeover #thetotalmoneymakeover #budgetingworks #cashflow #money #knowledgeispower #wecandothis #bs3

••[EMERGENCY FUND]••

•3 month emergency fund: ✔️
Fully funded 3 month EF 2.5 months ahead of schedule!

•These steps work and were so glad we started when we did. There's no better feeling than knowing you have a lump of money set side for any unexpected event. •
•As we get closer to having our 6 month EF completed, we'll be getting ready to start investing into our retirement. •
•27 year olds preparing for retirement. It seems so far away, but really it's never too early (or to late) to be planning ahead for your future. •


#debtfree #debtisdumb #savingmoney
#livelikenooneelse #beweird #daveramseymademedoit #goodbyedebt   #beweird #daveramseybabysteps #budgeting #debtfreejourney #financialfreedom #debtfreecommunity #daveramsey #money #frugal #frugalfritschles #totalmoneymakeover #thetotalmoneymakeover #budgetingworks #cashflow #money #knowledgeispower #wecandothis #bs3

25 1 11 hours ago
It happened y’all! Murphy struck in the form of a delayed mortgage refinance! Basically our “easy peasy” refi has turned into a “not so easy” nightmare! This is after the lender assured us many times that THEY would be making our mortgage payment this month when the funding went through (lesson learned with that one!) Today he calls us to tell us we better make our mortgage payment after all (ya know— with the money we used to pay off the very last of our credit card debt!?) HELLO ANXIETY! Fun fact about me:: I prefer for things to go how i plan them 😂 Then with some number checking — I realized that we did, in fact, have $1800 available with our paycheck tomorrow and moving around some sinking funds (which will be re-funded by the end of the month) and we don’t even need to touch of emergency fund to pay this -now late- mortgage payment 🙌🏼 I’m not particularly pleased about the situation, but at least I’ll sleep okay tonight knowing we got it covered. 
We had already been talking about taking a “break” from BS2 to save up a month’s worth of expenses just in case anything crazy happens — and here we are! I think the universe has confirmed that will be our next step for sure! 
But even more important is 18 months ago we would not have been able to do this by ourselves! We would have either put it on a credit card or asked family to borrow money. The fact that we could regroup, adapt, and figure it out ourselves with our own money made us feel awesome anyway! 
#debtfreecommunity #debtfreegoals #debtfreemission #debtisdumb #debtfreejourney #murphy #notacrisis

It happened y’all! Murphy struck in the form of a delayed mortgage refinance! Basically our “easy peasy” refi has turned into a “not so easy” nightmare! This is after the lender assured us many times that THEY would be making our mortgage payment this month when the funding went through (lesson learned with that one!) Today he calls us to tell us we better make our mortgage payment after all (ya know— with the money we used to pay off the very last of our credit card debt!?) HELLO ANXIETY! Fun fact about me:: I prefer for things to go how i plan them 😂 Then with some number checking — I realized that we did, in fact, have $1800 available with our paycheck tomorrow and moving around some sinking funds (which will be re-funded by the end of the month) and we don’t even need to touch of emergency fund to pay this -now late- mortgage payment 🙌🏼 I’m not particularly pleased about the situation, but at least I’ll sleep okay tonight knowing we got it covered.
We had already been talking about taking a “break” from BS2 to save up a month’s worth of expenses just in case anything crazy happens — and here we are! I think the universe has confirmed that will be our next step for sure!
But even more important is 18 months ago we would not have been able to do this by ourselves! We would have either put it on a credit card or asked family to borrow money. The fact that we could regroup, adapt, and figure it out ourselves with our own money made us feel awesome anyway!
#debtfreecommunity #debtfreegoals #debtfreemission #debtisdumb #debtfreejourney #murphy #notacrisis

18 0 11 hours ago
We all know some that laugh! But who’s really laughing in the end?!?!?

We all know some that laugh! But who’s really laughing in the end?!?!?

368 22 11 hours ago
It's by no means a huge debt payment but it adds up. Every single dollar you pay early, is a dollar your no longer paying interest on.

I'm still focused on refilling my emergency fund but I like round numbers. I received $344.54 from  Family Tax, so I took $300 for Emergency Fund and then the extra $44.54 to the car loan.
What are you focused on?
Are you a Dave Ramsey purist or do you do your own plan? 
#payingoffdebts #payingoffcar #payingdebt #debtpaydown #debtpayoff #debtpayments #debtpayment #debtfreeby30 #everydollarcounts #debtisdumb #debtfreejourney #debtisslavery #debtfreecommunity #tinyshovel #ozdebtfreejourney #smallshovel #ozdebtfreecommunity #teamsmallshovel  #teamtinyshovel #babystep2 #debtfreeby2020 #debtfreedom #debtfreecommunityaustralia

It's by no means a huge debt payment but it adds up. Every single dollar you pay early, is a dollar your no longer paying interest on.

I'm still focused on refilling my emergency fund but I like round numbers. I received $344.54 from Family Tax, so I took $300 for Emergency Fund and then the extra $44.54 to the car loan.
What are you focused on?
Are you a Dave Ramsey purist or do you do your own plan?
#payingoffdebts #payingoffcar #payingdebt #debtpaydown #debtpayoff #debtpayments #debtpayment #debtfreeby30 #everydollarcounts #debtisdumb #debtfreejourney #debtisslavery #debtfreecommunity #tinyshovel #ozdebtfreejourney #smallshovel #ozdebtfreecommunity #teamsmallshovel #teamtinyshovel #babystep2 #debtfreeby2020 #debtfreedom #debtfreecommunityaustralia

77 4 11 hours ago
This. ❤ What is one of your five year goals? I have many, but one of them is to adopt a kiddo in 5 years. Probably a 7 or 8 year old. I can't wait. My heart flutters when I think about it. 
#debtfreecommunity #debtfreejourney #dfc #dfj #debtisdumb #daveramsey #babystep2 #bs2 #babysteps #debtsnowball #lifestylechange #adoption #goals #fiveyearplan #livelikenooneelse

This. ❤ What is one of your five year goals? I have many, but one of them is to adopt a kiddo in 5 years. Probably a 7 or 8 year old. I can't wait. My heart flutters when I think about it.
#debtfreecommunity #debtfreejourney #dfc #dfj #debtisdumb #daveramsey #babystep2 #bs2 #babysteps #debtsnowball #lifestylechange #adoption #goals #fiveyearplan #livelikenooneelse

27 1 11 hours ago
Because our debt payoff is going to take 4 more years we decided to expand our emergency fund for more security for our family/kids. We felt like it was the right decision for our family. We now have $5000 saved towards our emergency fund. We will keep it at this level for a while. .
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.
.
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#emergencyfund #personalfinance #debtfreecommunity #financialfreedom #goals #debtisdumb #debtsnowball #debtfreelife #debtfreejourney #debtfreegoals #frugal #money #motivation #savingmoney #budget #daveramseybabysteps #debt #babystep2 #totalmoneymakeover #finance #debtfreeliving #savemoney #frugalliving #debtfreedom #financialpeace #daveramsey #debtfree #babysteps #budgeting #cashisking

Because our debt payoff is going to take 4 more years we decided to expand our emergency fund for more security for our family/kids. We felt like it was the right decision for our family. We now have $5000 saved towards our emergency fund. We will keep it at this level for a while. .
.
.
.
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#emergencyfund #personalfinance #debtfreecommunity #financialfreedom #goals #debtisdumb #debtsnowball #debtfreelife #debtfreejourney #debtfreegoals #frugal #money #motivation #savingmoney #budget #daveramseybabysteps #debt #babystep2 #totalmoneymakeover #finance #debtfreeliving #savemoney #frugalliving #debtfreedom #financialpeace #daveramsey #debtfree #babysteps #budgeting #cashisking

21 0 11 hours ago
Anyone else? 🙋‍♀️

Anyone else? 🙋‍♀️

380 18 11 hours ago
There is no place like the fair! My BF and I have gone to the fair every single year since we started dating. It’s our thing. And I didn’t want to break this tradition because we always have a blast. Last year I had started my DFJ but as you can see, I still spent way too much! This year I cut our fair budget by 50%! We only went over by $2 so I call that a win! I included a breakdown of how much we spent and on what, yes it could’ve been more frugal but this is a once a year expense. #DebtFreeJourney #DebtFreeCommunity #DebtFreeJourneySD #StudentLoans #CarLoan #CreditCardDebtSucks #CreditCardDebt  #Budget #DebtFreeGoals #DebtManagement #SnowAvalanche  #FinancialFreedom #Adulting  #GazelleIntense #NoNewDebt #Budgeting #Budget #DebtFreeDreams #FinancialHealth  #PersonalFinances #FinancialPeace  #ZeroBasedBudget #DebtIsDumb #DebtSnowball #DaveRamsey #DaveRamseyBabySteps #BabySteps #EveryPennyCounts #MoneyMatters

There is no place like the fair! My BF and I have gone to the fair every single year since we started dating. It’s our thing. And I didn’t want to break this tradition because we always have a blast. Last year I had started my DFJ but as you can see, I still spent way too much! This year I cut our fair budget by 50%! We only went over by $2 so I call that a win! I included a breakdown of how much we spent and on what, yes it could’ve been more frugal but this is a once a year expense. #DebtFreeJourney #DebtFreeCommunity #DebtFreeJourneySD #StudentLoans #CarLoan #CreditCardDebtSucks #CreditCardDebt #Budget #DebtFreeGoals #DebtManagement #SnowAvalanche #FinancialFreedom #Adulting #GazelleIntense #NoNewDebt #Budgeting #Budget #DebtFreeDreams #FinancialHealth #PersonalFinances #FinancialPeace #ZeroBasedBudget #DebtIsDumb #DebtSnowball #DaveRamsey #DaveRamseyBabySteps #BabySteps #EveryPennyCounts #MoneyMatters

51 4 11 hours ago
I love these movies so I had to check out the books!!!! On to catching fire now! #hungergames  #audiobook

I love these movies so I had to check out the books!!!! On to catching fire now! #hungergames #audiobook

12 5 11 hours ago
This week’s check has been budgeted 😎🙌🏻
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First photo is my behind the scenes budget distraction 🐈📝
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Second photo is the break down! Here are some notes 🤓
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1️⃣ I love the extra pay from being on call but I’m bummed that sooo many bills are landing on this check 🤦🏻‍♀️
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2️⃣ My AT&T bill has spiked up $8-$9 for the last two months and I don’t understand my bill 😳 I need to call or go into the store to figure it out 🤷🏻‍♀️
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3️⃣ I had some cash leftover from FOOD and PETS so I’m rolling it over to my cash clips for this pay period! 😎
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4️⃣ I overspent on dinner last night as well as eating out last week so no FUN funds for me! 🙈 Although I am giving myself $10 so I don’t feel TOO restricted if I really have the urge to get something. 😌
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5️⃣ I’m still doing minimum payments until I get my SDCC sinking fund filled. I’m almost there ($600/$800) but want to save more for my “cosplay” 🧜🏻‍♀️
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Third photo is how we feel about debt 👍🏻
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Who else is getting paid this week? 🥳
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#debtfreecommunity #debtfreejourney #ifitfitsyourbudget #stokedonbudgeting #budget #budgeting #girlonabudget #budgetlife #babystep2 #debtsnowball #debtavalanche #debtsucks #debtisdumb #cashmethod #paychecktopaycheck #brokemillennial #thefinancialdiet #dfcbayarea

This week’s check has been budgeted 😎🙌🏻
.
First photo is my behind the scenes budget distraction 🐈📝
.
Second photo is the break down! Here are some notes 🤓
.
1️⃣ I love the extra pay from being on call but I’m bummed that sooo many bills are landing on this check 🤦🏻‍♀️
.
2️⃣ My AT&T bill has spiked up $8-$9 for the last two months and I don’t understand my bill 😳 I need to call or go into the store to figure it out 🤷🏻‍♀️
.
3️⃣ I had some cash leftover from FOOD and PETS so I’m rolling it over to my cash clips for this pay period! 😎
.
4️⃣ I overspent on dinner last night as well as eating out last week so no FUN funds for me! 🙈 Although I am giving myself $10 so I don’t feel TOO restricted if I really have the urge to get something. 😌
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5️⃣ I’m still doing minimum payments until I get my SDCC sinking fund filled. I’m almost there ($600/$800) but want to save more for my “cosplay” 🧜🏻‍♀️
.
Third photo is how we feel about debt 👍🏻
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Who else is getting paid this week? 🥳
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#debtfreecommunity #debtfreejourney #ifitfitsyourbudget #stokedonbudgeting #budget #budgeting #girlonabudget #budgetlife #babystep2 #debtsnowball #debtavalanche #debtsucks #debtisdumb #cashmethod #paychecktopaycheck #brokemillennial #thefinancialdiet #dfcbayarea

42 4 11 hours ago
My partner worked extra hours at a clients house yesterday and got a $1000 cash bonus! An unexpected amount going straight into our emergency fund! On my way to deposit it now. That brings our EF upto $1300 as we haven’t added to it the last month since we’ve both had other things to pay for which I’ll explain in my next post! .
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#frugalliving #budgeting #moneymaker #debtfree #budgetplanner #savings #emergencyfunds #budget #frugallife #moneymoney #cashisking #ozdebtfreecommunity #onestepatatime #ozedebtfreecommunity #debtisdumb #debtfree #debtfreejourney

My partner worked extra hours at a clients house yesterday and got a $1000 cash bonus! An unexpected amount going straight into our emergency fund! On my way to deposit it now. That brings our EF upto $1300 as we haven’t added to it the last month since we’ve both had other things to pay for which I’ll explain in my next post! .
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#frugalliving #budgeting #moneymaker #debtfree #budgetplanner #savings #emergencyfunds #budget #frugallife #moneymoney #cashisking #ozdebtfreecommunity #onestepatatime #ozedebtfreecommunity #debtisdumb #debtfree #debtfreejourney

76 4 11 hours ago

Top #debtisdumb posts

BOARD UPDATE: $54,574.48

So far we’ve paid a total of $46,425k in debt in 15 months, our goal is to pay this off in 10 months or less 👊🏼
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How do we make this possible?!, hubby works every over time he gets and when is pay day we budget for everything we have to pay and for food, how ever we’ve had some fun times so I’m not going to lie to you and say we don’t go out because we sure do, but is nothing fancy. .
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How is your journey???
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#debtfreecommunity #debtfreejourney #debtsucks #financialfreedom #daveramsey #daveramseybabysteps #babystep2 #debtsnowball #homeschooling #homeschoolmom #stayathomemomlife #stayathomemom #totalmoneymakeover #financialpeace #debtfreegoals #debtmanagement #debtisdumb #debtisslavery #debtfreeby33 #debtfreedom #debtfreegoals #debtpayoff #budget #budgetshopping #budgetplanning #budgetlife #budgetmom #debtpayoff

BOARD UPDATE: $54,574.48

So far we’ve paid a total of $46,425k in debt in 15 months, our goal is to pay this off in 10 months or less 👊🏼
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How do we make this possible?!, hubby works every over time he gets and when is pay day we budget for everything we have to pay and for food, how ever we’ve had some fun times so I’m not going to lie to you and say we don’t go out because we sure do, but is nothing fancy. .
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How is your journey???
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#debtfreecommunity #debtfreejourney #debtsucks #financialfreedom #daveramsey #daveramseybabysteps #babystep2 #debtsnowball #homeschooling #homeschoolmom #stayathomemomlife #stayathomemom #totalmoneymakeover #financialpeace #debtfreegoals #debtmanagement #debtisdumb #debtisslavery #debtfreeby33 #debtfreedom #debtfreegoals #debtpayoff #budget #budgetshopping #budgetplanning #budgetlife #budgetmom #debtpayoff

791 45 12 hours ago

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Repost by @jennasdebtfreejourney 
These are things that my mother would tell me 10 years ago. I’m realizing more and more that my mother was right 😅 for real though, these are the best tips to live by.

Repost by @jennasdebtfreejourney
These are things that my mother would tell me 10 years ago. I’m realizing more and more that my mother was right 😅 for real though, these are the best tips to live by.

1,011 16 19 June, 2019
Yes!!! Another debt bites the dust! Our regular monthly payment plus the extra money we put to debt today gets us enough cash to pay off the car!! I called them up and made the final payment! 3 down 2 to go!
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#debt #debtfreecommunity #debtfreejourney #debtfree #daveramsey #daveramseybabysteps #babysteps #babystep2 #budgeting #reachyourgoals #hustle #gazelleintense #cashisking #debtisdumb

Yes!!! Another debt bites the dust! Our regular monthly payment plus the extra money we put to debt today gets us enough cash to pay off the car!! I called them up and made the final payment! 3 down 2 to go!
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#debt #debtfreecommunity #debtfreejourney #debtfree #daveramsey #daveramseybabysteps #babysteps #babystep2 #budgeting #reachyourgoals #hustle #gazelleintense #cashisking #debtisdumb

1,350 81 14 June, 2019

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Repost!! From @debtbustingginger 💕 I love her stuff so much and when she posted this I had to steal it!!!

Repost!! From @debtbustingginger 💕 I love her stuff so much and when she posted this I had to steal it!!!

744 13 10 June, 2019
Gosh I just love this so much! 😎🤩

Gosh I just love this so much! 😎🤩

902 22 3 June, 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.

1,051 56 12 June, 2019
😂🦈 A little Tuesday humor (via @emma_finance)

😂🦈 A little Tuesday humor (via @emma_finance )

707 39 18 June, 2019
We have been kinda quiet in the last couple weeks but we’re still here! -

Just got the call from HR and I had transitioned positions in January, yet I haven’t been paid for it. Today I got a call saying my job FINALLY went through corporate and they are giving me a 10% raise and BACK PAYING me from January until now! -

HOW EXCITING!!

We have been kinda quiet in the last couple weeks but we’re still here! -

Just got the call from HR and I had transitioned positions in January, yet I haven’t been paid for it. Today I got a call saying my job FINALLY went through corporate and they are giving me a 10% raise and BACK PAYING me from January until now! -

HOW EXCITING!!

1,230 56 18 June, 2019