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How do I rent a car? This topic came up today about things you "need" a credit card for. And I honestly didn't know how to respond. Are there really things you can't do unless you have a credit card? Please educate me in the comments below! 👇🏼
How do I rent a car? This topic came up today about things you "need" a credit card for. And I honestly didn't know how to respond. Are there really things you can't do unless you have a credit card? Please educate me in the comments below! 👇🏼
xSay2
Excited to update my February debt payment with this number 😍😍😍. I absolutely hate that so much money is going to debt, but I love having my balances go to $0. #debtfreejourney #debt #debtfreecommunity #debtfree #debtsucks #debtfreeaf
For a long while (almost 2 years), I had been paying $72 in “card security” charges. When I finally realized how much that was increasing my balance, I took it off my account in December. I wish I realized sooner, but you live and you learn 🤷🏽‍♀️. I’m so happy to say that my Amazon card is officially paid off!!!! I couldn’t be happier. I have one more credit card being closed as well; I’m just waiting on that payment to be processed. So exciting! 😃 #debt #debtfreejourney #debtfreecommunity #debtfree #debtsucks
For a long while (almost 2 years), I had been paying $72 in “card security” charges. When I finally realized how much that was increasing my balance, I took it off my account in December. I wish I realized sooner, but you live and you learn 🤷🏽‍♀️. I’m so happy to say that my Amazon card is officially paid off!!!! I couldn’t be happier. I have one more credit card being closed as well; I’m just waiting on that payment to be processed. So exciting! 😃 #debt  #debtfreejourney  #debtfreecommunity  #debtfree  #debtsucks 
Bad day today. A lot of cancelled orders because time is money. Restaurants not wanting to work. Goal is supposed to be at least $250 a day. 😔 @garyvee #hustle #work #focus #crushit #crushingit #debtfreejourney #garyvee #doordash #debt #debtfreecommunity #debtsnowball #dasher #dashing #vaynernation #vaynermedia #vaynersports #vaynerchuk #vaynertalent #hustlehard #hustleandflow #workoutmotivation #empire
Oh stop it Napier, you know we love you already!

After surviving my first week at my new job, it’s been an absolute pleasure coming home to these kinds of view. Not a single doubt that we were making the right decision .
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#ourjourneyfromakltohb #debtfreecommunity #debtfreejourney #ourdebtfreejourney #napiercity #hawkesbay #newadventures #holidayparkliving
Just a pick-me-up quote when I lose focus. It's really important to realine your goals and visions when you lose motivation.
 @preciousearnings
I sometimes look at people who are successful and wish it was me but i forget the work they put into it. 
#sidehustleuk
 #debtfreejourney
#bloggingjourney
#extraincome
#debtfreejourney
#preciousearnings
#inspirationalquotes
If you need to repair your credit and ready to invest in yourself! Comment the word “INFO” or message me for a consultation.📈🙌🏻✨——————————————————————#creditispower #priorities #chargeoffs #taxliens #creditcards #debt #childsupport #bankruptcy #eviction #studentloans #collections #medical #debtfreejourney #creditquote #invest #creditscore #savemoney #lowinterest #goals #financialliteracy
Congrats @tejmatie for winning 3 personalized envelopes!!! Thank you everyone for entering and I definitely will have another envelope drawing again in the near future 💕

#debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtfreeisthenewsexy #debtfreedom #debts #debtfreeliving #debt #debtsucks #debtslave #nocredit #change #savingmoney #extramoney #journaling #payingoffdebt #getoutofdebt #babysteps #budget #budgeting #saving #pennypinching #gettingrich #money #rich #findingpeace #nomoredebt #daveramsey
Congrats @tejmatie for winning 3 personalized envelopes!!! Thank you everyone for entering and I definitely will have another envelope drawing again in the near future 💕 #debtfreecommunity  #debtfreejourney  #debtfree  #debtsnowball  #debtfreeisthenewsexy  #debtfreedom  #debts  #debtfreeliving  #debt  #debtsucks  #debtslave  #nocredit  #change  #savingmoney  #extramoney  #journaling  #payingoffdebt  #getoutofdebt  #babysteps  #budget  #budgeting  #saving  #pennypinching  #gettingrich  #money  #rich  #findingpeace  #nomoredebt  #daveramsey 
No debt required for this one, Adam traded his trusty Holden in for this beauty, brand new Honda Civic, paid out his current loan and had some left over 💰🤑 not only that, this will save him some decent money on petrol as he drives 100kms round trip to and from work each day 🚙 #car #honda #hondacivic #broombroom #drive #debtfreecommunity #debtfreejourney #debt #debtfree #savings #money #goals #daveramsey #daveramseybabysteps
Decided to sell these beauties on eBay. Put them up for sale for £60 last night. I wore them twice in 7 years because I have another pair I prefer. Part of me adores them but the other part knows I don't wear them and that the money for them could go to much better use buying things for our new home! Fingers crossed I get a sale!
Decided to sell these beauties on eBay. Put them up for sale for £60 last night. I wore them twice in 7 years because I have another pair I prefer. Part of me adores them but the other part knows I don't wear them and that the money for them could go to much better use buying things for our new home! Fingers crossed I get a sale!
February debt payment goal is 2k and we exceeded that by $500🤗 I double paid Amaia's health insurance and we are waiting for that to be refunded within the next few days... That will be thrown into the debt too which hurts seeing all these money going to lenders😭 😣
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Month isnt over yet and we are still expecting some funds to go through and hope to speed up this process so that we can start rebuilding our financial foundation.  It's nice living with family members but I really miss having our own place. We are cash flowing hubby's tuition as well so all outgos are monitored to the T🔍🤓
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I cant stress this enough: Live way below your means+ find ways to increase income+budgeting=financial freedom💪

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 #sacrifices #gazelleintensity #debtfreecommunity #debtfreejourney #daveramsey #babystep2 #debtisdumb
February debt payment goal is 2k and we exceeded that by $500🤗 I double paid Amaia's health insurance and we are waiting for that to be refunded within the next few days... That will be thrown into the debt too which hurts seeing all these money going to lenders😭 😣 ______________ Month isnt over yet and we are still expecting some funds to go through and hope to speed up this process so that we can start rebuilding our financial foundation. It's nice living with family members but I really miss having our own place. We are cash flowing hubby's tuition as well so all outgos are monitored to the T🔍🤓 _______________ I cant stress this enough: Live way below your means+ find ways to increase income+budgeting=financial freedom💪 _______________ #sacrifices  #gazelleintensity  #debtfreecommunity  #debtfreejourney  #daveramsey  #babystep2  #debtisdumb 
Swipe to see what our original pay off dates were going to be! I can’t believe I didn’t get serious sooner. We did have a massive year last year and if I listed everything that happened you wouldn’t believe me... but we’ve come through it all and now working harder than ever to be debt free eventually!!! 🌟💵💰🎉
Swipe to see what our original pay off dates were going to be! I can’t believe I didn’t get serious sooner. We did have a massive year last year and if I listed everything that happened you wouldn’t believe me... but we’ve come through it all and now working harder than ever to be debt free eventually!!! 🌟💵💰🎉
Stride tax deduction $106.22. Crazy day/night. A lot of cancellations for me because some restaurants are not on their game. I don’t know why restaurants even partner with @doordash if they don’t want to prepare the orders. Restaurants don’t want to make money? They need help. #doordash #dasher #crushit #crushingit @garyvee #debtfreejourney #debt #debtfreecommunity #debtsnowball #debtslave #gigeconomy #hustle #hustlehard #work #focus
I love my hubbie with all my heart, but he has mixed feeling about this journey. One month he is fully on board and super supportive and the next month (like this month lol) he thinks it's "dumb" and we shouldn't be so tight on money.  This usually happens when he checks our savings account and notices we have a good amount saved in case of an emergency. He thinks that money can be used as spending money.  How many of you girlfriends and wives are dealing with this? Or if you overcame this what did you do?
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I asked my husband for 2 years of hardcore budgeting and paying off debt... and I promised him we would have a high Net worth before we turn 40... but he doesn't understand that means sacrificing... HELP #debtfreecommunity
I love my hubbie with all my heart, but he has mixed feeling about this journey. One month he is fully on board and super supportive and the next month (like this month lol) he thinks it's "dumb" and we shouldn't be so tight on money. This usually happens when he checks our savings account and notices we have a good amount saved in case of an emergency. He thinks that money can be used as spending money. How many of you girlfriends and wives are dealing with this? Or if you overcame this what did you do? . . I asked my husband for 2 years of hardcore budgeting and paying off debt... and I promised him we would have a high Net worth before we turn 40... but he doesn't understand that means sacrificing... HELP #debtfreecommunity 
Triggered Squad!!!! Comment below!!!! 😂😆 Take your kids to the local park! Take them hiking! Your kids won’t abandon you because you held off from spending $3,000 to tackle your debt and build a legacy for you and them! They’ll thank you later in life if you teach them delayed gratification! Just sayin. 🐭🎢🎡🎠⛲️🏰 #DisneyTriggeredSquad #Disneyland #YoureBroke #BabyStep2 #DaveRamsey #ScorchedEarth #DebtfreeAF #Debtfree #debtfreecommunity #debtfreejourney #goals #BrokeAF #Savingsrate #gazelle #Babysteps #Cashisking #Debtisdumb #Disney #Triggered #Moneymoves #🙈 #Conradisntaparent #Hedoesntunderstand #Hesameanguy #mykidsneedexperiencesthatcostmoney
Triggered Squad!!!! Comment below!!!! 😂😆 Take your kids to the local park! Take them hiking! Your kids won’t abandon you because you held off from spending $3,000 to tackle your debt and build a legacy for you and them! They’ll thank you later in life if you teach them delayed gratification! Just sayin. 🐭🎢🎡🎠⛲️🏰 #DisneyTriggeredSquad  #Disneyland  #YoureBroke  #BabyStep2  #DaveRamsey  #ScorchedEarth  #DebtfreeAF  #Debtfree  #debtfreecommunity  #debtfreejourney  #goals  #BrokeAF  #Savingsrate  #gazelle  #Babysteps  #Cashisking  #Debtisdumb  #Disney  #Triggered  #Moneymoves  #🙈 #Conradisntaparent  #Hedoesntunderstand  #Hesameanguy  #mykidsneedexperiencesthatcostmoney 
It's such a good feeling to be able to cash flow trips to explore new cities. I love that I won't be waking up with a credit card hang over. I love that while I'm there I can truly enjoy it and not have to worry about how I'm going to pay it off later. I've already budgeted for it. It's already taken care of. That's the way real vacations are supposed to feel. 😎
It's such a good feeling to be able to cash flow trips to explore new cities. I love that I won't be waking up with a credit card hang over. I love that while I'm there I can truly enjoy it and not have to worry about how I'm going to pay it off later. I've already budgeted for it. It's already taken care of. That's the way real vacations are supposed to feel. 😎
If you are single, which wedding option would you choose? Would you go for your dream wedding or a more practical one? 
If you are married, which one should be the best choice if you can go back in time?

image credit: designed by Freepik

#thoughts #livethelifeyoulove #freeyourself #happylife #happiness #lovemylife #enjoymylife #instatips #debt #debtfree #debtfreejourney #marriagetips #survey #instagood #questions #debtfreeliving #savingmoney #debtfreeisthenewsexy #debtfreejourney #debtfreedom #financialindependence #Financialfreedom #financialhelp #debtfreecommunity #debtsnowball #budgeting
If you are single, which wedding option would you choose? Would you go for your dream wedding or a more practical one? If you are married, which one should be the best choice if you can go back in time? image credit: designed by Freepik #thoughts  #livethelifeyoulove  #freeyourself  #happylife  #happiness  #lovemylife  #enjoymylife  #instatips  #debt  #debtfree  #debtfreejourney  #marriagetips  #survey  #instagood  #questions  #debtfreeliving  #savingmoney  #debtfreeisthenewsexy  #debtfreejourney  #debtfreedom  #financialindependence  #Financialfreedom  #financialhelp  #debtfreecommunity  #debtsnowball  #budgeting 
I’m all about visuals. So excited to look back at this in a few months to see the progress. 
#debtfreecommunity #debtfreejourney #debtfreegoals
*Update in Progress*

For most of our relationship we've had separate finances. At times I would handle all the money but we still kept everything separate i.e. his money, my money. I just always felt comfortable handling things that way. He's been out of state working for a month & when he got back he could see how serious I had gotten about this & said he's on board too. We took a big jump & put everything together. My income covers all of our bills & his income will go entirely to debt. For the first time in over 3 years it's "our" money. I'm so excited/scared! He just left out of state for another month & makes good $$ when traveling for work so March is going to be a really good month for debt payments!

Edit: My starting, current & paid debt are updated now to reflect our total damage & how much has been paid. 
#debtfreecommunity#daveramsey#babystep2#financialpeaceuniversity#financialfreedom#youngdumbandbroke#cashisking#mytotalmoneymakeover#fpu#alaska#debtfreejourney#debtfreewannabe#debtsnowball#totalmoneymakeover#loveyourlifenottheirs
*Update in Progress* For most of our relationship we've had separate finances. At times I would handle all the money but we still kept everything separate i.e. his money, my money. I just always felt comfortable handling things that way. He's been out of state working for a month & when he got back he could see how serious I had gotten about this & said he's on board too. We took a big jump & put everything together. My income covers all of our bills & his income will go entirely to debt. For the first time in over 3 years it's "our" money. I'm so excited/scared! He just left out of state for another month & makes good $$ when traveling for work so March is going to be a really good month for debt payments! Edit: My starting, current & paid debt are updated now to reflect our total damage & how much has been paid. #debtfreecommunity #daveramsey #babystep2 #financialpeaceuniversity #financialfreedom #youngdumbandbroke #cashisking #mytotalmoneymakeover #fpu #alaska #debtfreejourney #debtfreewannabe #debtsnowball #totalmoneymakeover #loveyourlifenottheirs 
I have been a little MIA lately. Had to plan baby girls first bday. It was an amazing day. I budgeted about $100 for the whole bday including gift but total I spent almost $200. I was very worth it! Next time I will budget more realistically when 30 people rsvp to a party 😂.
I have been a little MIA lately. Had to plan baby girls first bday. It was an amazing day. I budgeted about $100 for the whole bday including gift but total I spent almost $200. I was very worth it! Next time I will budget more realistically when 30 people rsvp to a party 😂.
While thrifting today I found this snowsuit that looks brand new. It will be the perfect size for baby next winter and it was only 3.99! It matches perfectly with a hand me down winter coat that’s the same size. Thrifting is one of the way I save tons on baby. What is your favorite thing to grab at the thrift store for you or your family?
While thrifting today I found this snowsuit that looks brand new. It will be the perfect size for baby next winter and it was only 3.99! It matches perfectly with a hand me down winter coat that’s the same size. Thrifting is one of the way I save tons on baby. What is your favorite thing to grab at the thrift store for you or your family?
I have learned lately that if your patient enough you will never have to pay full price on anything ever !!!!. All the meat I buy is reduced price, all dry goods and pantry items I buy when on sale only.  Clothes only when I see what I want on sale !. Today my hubby rang our electric company and was able to get our ongoing bills reduced by 21% for paying on time and being loyal.  Be patient, shop around, buy on sale........save money 💰 #barefootinvestor #daveramsey #debtfreecommunity #livingfrugal #debtfreejourney #debtsnowball #neverpayfullprice #savemoney #buyonsale #frugalliving #frugalshopper #buyreduced
I have learned lately that if your patient enough you will never have to pay full price on anything ever !!!!. All the meat I buy is reduced price, all dry goods and pantry items I buy when on sale only. Clothes only when I see what I want on sale !. Today my hubby rang our electric company and was able to get our ongoing bills reduced by 21% for paying on time and being loyal. Be patient, shop around, buy on sale........save money 💰 #barefootinvestor  #daveramsey  #debtfreecommunity  #livingfrugal  #debtfreejourney  #debtsnowball  #neverpayfullprice  #savemoney  #buyonsale  #frugalliving  #frugalshopper  #buyreduced 
Starting this journey with one goal in mind: financial freedom. I became inspired by various bloggers/instagram accounts in 2017 and have decided to start this long journey by my 24th birthday (two weeks from now). Before a plan is put into motion it has to be drafted, so today I spent all afternoon building an excel spreadsheet to keep track of all my expenses and to identify unnecessary expenditures. In the next few days I will be finalizing my first budget (March) and drafting short-term goals to keep me motivated. 
Starting debt is $30,173 with $22,196 being from student loans and the rest from credit cards. Currently in deferment due to being enrolled in graduate school, but by no means stopping monthly payments!
Thank you @inspiredbudget and @budget_with_intent for providing me with that extra push/inspiration I needed to begin this journey. 🙌🏽🎉🎉🎊
#debtfreecommunity #budgeting #teacherlife #debtfreejourney #studentloans #debtsnowball
Starting this journey with one goal in mind: financial freedom. I became inspired by various bloggers/instagram accounts in 2017 and have decided to start this long journey by my 24th birthday (two weeks from now). Before a plan is put into motion it has to be drafted, so today I spent all afternoon building an excel spreadsheet to keep track of all my expenses and to identify unnecessary expenditures. In the next few days I will be finalizing my first budget (March) and drafting short-term goals to keep me motivated. Starting debt is $30,173 with $22,196 being from student loans and the rest from credit cards. Currently in deferment due to being enrolled in graduate school, but by no means stopping monthly payments! Thank you @inspiredbudget and @budget_with_intent for providing me with that extra push/inspiration I needed to begin this journey. 🙌🏽🎉🎉🎊 #debtfreecommunity  #budgeting  #teacherlife  #debtfreejourney  #studentloans  #debtsnowball 
$36.29 more than last month 💪🏼💸 I can’t wait until this amount of money is back in my pocket and no longer going to student loans! #debtfreejourney #studentloanssuck #daveramsey #babystep2 #gazelleintense #iwantthemgone #givemebackmymoney
Tonight's movie on Amazon. Now I know why I can't keep up with the "The Joneses". #thejoneses #keepingupwiththejoneses #daveramseybabysteps #daveramsey #debtfreecommunity #debtfreejourney
Another one bites the dust... can’t wait until that top one says $0 also but that’s not next in line. The next is Navy Federal $900.00. Baby steps in the right direction ♥️♥️♥️
Another one bites the dust... can’t wait until that top one says $0 also but that’s not next in line. The next is Navy Federal $900.00. Baby steps in the right direction ♥️♥️♥️
I couldn't of done it without @daveramsey help!! I'm not yet 1/2 way there but it's a start. #BabyStep2 
#Saving like a #Pro 👍💪 .
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#debtfree #debtfreecommunity #debtfreejourney #DebtIsDumb #CashIsKing #RetireInspire #Goals #GoalDigger #FinancialPeace #TotalMoneyMakeOver #DaveRamsey #AutomaticMillionaire #RichDadPoorDad #FrugalLiving #Minimalist #2018 #Goals #Metas #Savings #Ahorros #roi #freemoney
Just what I needed tonight. February has been a crappy month. Between everyone in the house being sick, and our house deal falling through a week before we were suppose to close only scratches the surface of this month. I have just wanted to give up on so many different levels. Giving up just isn't part of my destination right now and looking forward to a better March. 
#debtfreejourney #debtfreecommunity #sunshine #destiny #dontgiveup
Just what I needed tonight. February has been a crappy month. Between everyone in the house being sick, and our house deal falling through a week before we were suppose to close only scratches the surface of this month. I have just wanted to give up on so many different levels. Giving up just isn't part of my destination right now and looking forward to a better March. #debtfreejourney  #debtfreecommunity  #sunshine  #destiny  #dontgiveup 
#RepostSave @debtfreeby35_ because I often find myself reminding other people of this when I need the reminder, too.  I will get there, and so will you, even it takes a little longer than we planned.

One step at a time. One day at a time. Stay the course ❤ #Friday
#RepostSave  @debtfreeby35_ because I often find myself reminding other people of this when I need the reminder, too. I will get there, and so will you, even it takes a little longer than we planned. One step at a time. One day at a time. Stay the course ❤ #Friday 
Longest streak..year to date!

Remembering to bring my lunch is a real challenge for me.

#debtfreecommunity 
#debtfreejourney 
#lunchgoals
#savingmoney
Time to get serious and focus on sending apps like flyers. Even if it’s for a lateral position. It’s time for me to go 🤗
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#debtfreejourney #financialfreedom
Time to get serious and focus on sending apps like flyers. Even if it’s for a lateral position. It’s time for me to go 🤗 . #debtfreejourney  #financialfreedom 
The payment posted on my student loans. 😁 We're officially under $20,000 in student loan debt! I remember back when only three of my student loans were paid off. Now we only have three left. Soon to be two! •
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After the $1,074.61 student loan is paid off next Thursday, we'll start paying on Josh's truck. It will be so nice to own both vehicles and officially have no car/truck payments. •
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Had to delete and repost because the graphic looked blurry! •
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#debtfreecommunity #daveramsey #debtfree #financialpeaceuniversity #debt #debtfreejourney #debtsnowball #babystep2 #thetotalmoneymakeover #budget #zerobasedbudget #thedebtfreecommunity
The payment posted on my student loans. 😁 We're officially under $20,000 in student loan debt! I remember back when only three of my student loans were paid off. Now we only have three left. Soon to be two! • • After the $1,074.61 student loan is paid off next Thursday, we'll start paying on Josh's truck. It will be so nice to own both vehicles and officially have no car/truck payments. • • Had to delete and repost because the graphic looked blurry! • • #debtfreecommunity  #daveramsey  #debtfree  #financialpeaceuniversity  #debt  #debtfreejourney  #debtsnowball  #babystep2  #thetotalmoneymakeover  #budget  #zerobasedbudget  #thedebtfreecommunity 
Todays money saving... approx. 6 dozen homemade cookies for cheap snacks... the kids baked almost by themselves 😍 #debtfreejourney #moneysaving #cheapsnacks #letthembake #cookiesarealwaysagoodidea #saveonfoods #nospendmonth #freezerfood
{lunch} if I didn't feel bad about throwing away the last of the egg roll wrappers, I wouldn't eat them anymore. Ugh this lunch made me majorly sluggish and bloated simply because of the wrappers. It's amazing how much my taste buds & body responses have changed recently in response to my new eating habits. {dinner} brought to you by @hellonutritarian all recipes are on her website - crispy tofu sandwich with mayo and chipotle lentil & black bean soup. 🥘 I enjoyed the mayo recipe and I've always hated mayo. It was all delicious and I'm keeping a few jars of soup in the freezer for future meals .
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#tea #herbaltea #looseleaftea #fromscratch 
#mealprep #herbaltea #looseleaftea #mealplan #makeaheadmeals #vegan #groceryhaul #nutritarian #veganbreakfast #pantrychallenge #debtfreecommunity #debtfreejourney #leowife #leowifelife  #nospendmonth #nospendchallenge #washington  #plantbased #veganrecipes #veganfood #vegansofig #veganmealprep #pcos #gout #zerofoodwaste #cookonceeattwice
{lunch} if I didn't feel bad about throwing away the last of the egg roll wrappers, I wouldn't eat them anymore. Ugh this lunch made me majorly sluggish and bloated simply because of the wrappers. It's amazing how much my taste buds & body responses have changed recently in response to my new eating habits. {dinner} brought to you by @hellonutritarian all recipes are on her website - crispy tofu sandwich with mayo and chipotle lentil & black bean soup. 🥘 I enjoyed the mayo recipe and I've always hated mayo. It was all delicious and I'm keeping a few jars of soup in the freezer for future meals . . . . #tea  #herbaltea  #looseleaftea  #fromscratch  #mealprep  #herbaltea  #looseleaftea  #mealplan  #makeaheadmeals  #vegan  #groceryhaul  #nutritarian  #veganbreakfast  #pantrychallenge  #debtfreecommunity  #debtfreejourney  #leowife  #leowifelife  #nospendmonth  #nospendchallenge  #washington  #plantbased  #veganrecipes  #veganfood  #vegansofig  #veganmealprep  #pcos  #gout  #zerofoodwaste  #cookonceeattwice 
THIS IS WHY I LOVE WHAT I DO!!!!!
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My job as a Financial Coach is NOT to tell my clients what they can and can’t spend their money on. Each of us deserves our money to support our own interests and desires. So, my job is to help my clients find ways for their money to support the things THEY value most!
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My JOB is to show them the numbers. Help them LEARN how to look at the numbers themselves and see how the CHOICES they make today impact their GOALS and their finances later down the road.
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I have some new clients who are seriously killin’ it with their budget and I feel like a proud parent watching my child take their first steps as they begin to use our budgeting system in the way it is meant to be used! They took a look at their numbers today and decided to make some changes ALL ON THEIR OWN - and I seriously love this! *
They are choosing to postpone something they wanted to do, because they saw that (timing wise) it didn’t work out as well as they would like right now. And they feel EXCITED and EMPOWERED that they have the skills to be able to make this educated decision all on their own! *
THIS IS WHY I LOVE WHAT I DO!!!!!
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#moneycoach #financialcoach #budgeting #financialeducation #familyfinances #personalfinance #debtfreeliving #goalgetter #debtfree #smartmoney #goodhabits #savingmoney #debtfreejourney #financialfreedom #savingmoney #makingmoney #budgeting #moneyplan #moneygoals #workhard #debtfreedom #determined #committed #unstoppable #lovewhatido #myclientsrock
THIS IS WHY I LOVE WHAT I DO!!!!! * My job as a Financial Coach is NOT to tell my clients what they can and can’t spend their money on. Each of us deserves our money to support our own interests and desires. So, my job is to help my clients find ways for their money to support the things THEY value most! * My JOB is to show them the numbers. Help them LEARN how to look at the numbers themselves and see how the CHOICES they make today impact their GOALS and their finances later down the road. * I have some new clients who are seriously killin’ it with their budget and I feel like a proud parent watching my child take their first steps as they begin to use our budgeting system in the way it is meant to be used! They took a look at their numbers today and decided to make some changes ALL ON THEIR OWN - and I seriously love this! * They are choosing to postpone something they wanted to do, because they saw that (timing wise) it didn’t work out as well as they would like right now. And they feel EXCITED and EMPOWERED that they have the skills to be able to make this educated decision all on their own! * THIS IS WHY I LOVE WHAT I DO!!!!! * #moneycoach  #financialcoach  #budgeting  #financialeducation  #familyfinances  #personalfinance  #debtfreeliving  #goalgetter  #debtfree  #smartmoney  #goodhabits  #savingmoney  #debtfreejourney  #financialfreedom  #savingmoney  #makingmoney  #budgeting  #moneyplan  #moneygoals  #workhard  #debtfreedom  #determined  #committed  #unstoppable  #lovewhatido  #myclientsrock 
On my way to see a Client, in deep thought strategizing our approach to fixing his Credit Profile. Every Client has a different approach. |Credit Doctor|Click Link In Bio|
#Creditcard #creditrepair #creditfix #creditscore#credithelp #creditagent #debtfree #debtfreejourney #debtfreeliving #creditrestoration #studentloan #divorced #divorce #debtfreecommunity #studentdebt #equifax #transunion #experian #crediteductation #chatsworth #woodlandhills #westhills #calabasas #tarzana #reseda #porterranch
On my way to see a Client, in deep thought strategizing our approach to fixing his Credit Profile. Every Client has a different approach. |Credit Doctor|Click Link In Bio| #Creditcard  #creditrepair  #creditfix  #creditscore #credithelp  #creditagent  #debtfree  #debtfreejourney  #debtfreeliving  #creditrestoration  #studentloan  #divorced  #divorce  #debtfreecommunity  #studentdebt  #equifax  #transunion  #experian  #crediteductation  #chatsworth  #woodlandhills  #westhills  #calabasas  #tarzana  #reseda  #porterranch 
#Repost @krystal_andtheglam with @get_repost
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Payday is tomorrow & look how good i did at not eating out!!!!! I did get my hair done... So proud of myself i did order #plannerstickers so deposited some spending cash back killing this #budgetlife ( this 2weeks) ...
#financialfreedom #debtfree #debtfreecommunity #debtfreejourney #Babystep2 #SpendWisely #PlanToWin #CashClips #planneraddict #plannerlife
I currently have 4 credit cards. I decided to pay off my Nordstrom and target credit cards last month since they were the smallest balances. •
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My Bank of Hawaii credit card is my Hawaiian airlines miles credit card. I got this card when I turned 18 to build credit and gain miles for travel. I plan to continue to use this card because 90% of the time I fly home I fly on Hawaiian Airlines. This card gets me double miles and I get 2 free checked bags when I book with it. In the future I plan to cash flow my trip home, book my ticket on the credit card, and then pay off that balance right away. •
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I got my Bank of America card in 2015. I was immediately suckered into the 3% back on gas, 2% back on groceries blah blah blah. I had the plan to only use it for gas and groceries and pay it off immediately. Well we all know how that goes. I got carried away and I haven’t had the balance below $2000 in over a year. •
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I got carried away with credit cards and the thought of “I’ll just pay it off later”. This thought is the exact reason why I’m in debt. I would get sick just looking at the balance and thinking I would never be able to pay it off. Well I have a renewed mindset this year. My plan is to pay off my Bank of Hawaii card next and then pay off my Bank of America card by May. Striving to reach my goals! #debtfreecommunity #debtfreejourney #creditcarddebtsucks
I currently have 4 credit cards. I decided to pay off my Nordstrom and target credit cards last month since they were the smallest balances. • • My Bank of Hawaii credit card is my Hawaiian airlines miles credit card. I got this card when I turned 18 to build credit and gain miles for travel. I plan to continue to use this card because 90% of the time I fly home I fly on Hawaiian Airlines. This card gets me double miles and I get 2 free checked bags when I book with it. In the future I plan to cash flow my trip home, book my ticket on the credit card, and then pay off that balance right away. • • I got my Bank of America card in 2015. I was immediately suckered into the 3% back on gas, 2% back on groceries blah blah blah. I had the plan to only use it for gas and groceries and pay it off immediately. Well we all know how that goes. I got carried away and I haven’t had the balance below $2000 in over a year. • • I got carried away with credit cards and the thought of “I’ll just pay it off later”. This thought is the exact reason why I’m in debt. I would get sick just looking at the balance and thinking I would never be able to pay it off. Well I have a renewed mindset this year. My plan is to pay off my Bank of Hawaii card next and then pay off my Bank of America card by May. Striving to reach my goals! #debtfreecommunity  #debtfreejourney  #creditcarddebtsucks 
Consumer debt payments 💰💳
I was so pleased with January’s efforts being our first month of being serious about paying down debt! - But then this month came our unexpected lump sum payout from income protection. If you’ve been following our journey you’ll know that this was actually from the first half of last year. So to us it has been like forced savings... but we weren’t expecting the amount we got, so it was a very nice surprise!! 💵 - We have thrown everything we have at our debt this month and managed to clear and close 3 credit cards. - I wish it could be like this every month but I can definitely say we won’t have that much to throw at debt again. Next week will be our first wages both on half pay. It will be tough but we are still hoping to put any extra money we have left over from the budget onto our last credit card. 💳🌟💰❤️
Consumer debt payments 💰💳 I was so pleased with January’s efforts being our first month of being serious about paying down debt! - But then this month came our unexpected lump sum payout from income protection. If you’ve been following our journey you’ll know that this was actually from the first half of last year. So to us it has been like forced savings... but we weren’t expecting the amount we got, so it was a very nice surprise!! 💵 - We have thrown everything we have at our debt this month and managed to clear and close 3 credit cards. - I wish it could be like this every month but I can definitely say we won’t have that much to throw at debt again. Next week will be our first wages both on half pay. It will be tough but we are still hoping to put any extra money we have left over from the budget onto our last credit card. 💳🌟💰❤️
Paying for all these with savings and leaving $1500 emergency fund. Then tomorrow’s paycheck will go towards credit card debt and grocery. We pay for two rent because we live in 2 countries & travel back and forth🤯 😅(looong story maybe I’ll share it next time 🤔) So having one of the rent taken care of for a few months will allow us to put more into debt without having the temptation of using a credit card because “we paid so much off already let’s reward ourselves by using it” 😅 #knowyourweaknessestomaximiseyourstrengths also paid for an extra month on car insurance, money I owe my sister that she told me not to pay till she actually needs it, and $85 remaining balance on our electricity bill because smart me put in the wrong payment when I paid last week. #debtfree #financialfreedom #freedom #debtfreejourney #debtfreecommunity
Paying for all these with savings and leaving $1500 emergency fund. Then tomorrow’s paycheck will go towards credit card debt and grocery. We pay for two rent because we live in 2 countries & travel back and forth🤯 😅(looong story maybe I’ll share it next time 🤔) So having one of the rent taken care of for a few months will allow us to put more into debt without having the temptation of using a credit card because “we paid so much off already let’s reward ourselves by using it” 😅 #knowyourweaknessestomaximiseyourstrengths  also paid for an extra month on car insurance, money I owe my sister that she told me not to pay till she actually needs it, and $85 remaining balance on our electricity bill because smart me put in the wrong payment when I paid last week. #debtfree  #financialfreedom  #freedom  #debtfreejourney  #debtfreecommunity 
Just keep swimming! 🐠 Tomorrow is a new day and we can wipe the slate clean and start fresh.
Just keep swimming! 🐠 Tomorrow is a new day and we can wipe the slate clean and start fresh.
Getting ready to check this lady out.... Regrann from @krystal_andtheglam -  Payday is tomorrow & look how good i did at not eating out!!!!! I did get my hair done... So proud of myself i did order #plannerstickers so deposited some spending cash back killing this #budgetlife ( this 2weeks) ...
#financialfreedom #debtfree #debtfreecommunity #debtfreejourney #Babystep2 #SpendWisely #PlanToWin #CashClips #planneraddict #plannerlife - #regrann
Starting Debt: $10,894
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Dumb debt added in January: ~$800
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Debt paid off: $11,694 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Savings: $1,000. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Total Savings & Debt combined: $12,694
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Months taken to complete: 4 (Sept ‘17, Oct ‘17, Jan ‘18, Feb ‘18). For complete transparency, $3,100 to pay this off was from taxes this year. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
I fully acknowledge that we didn’t start out with as much as some people have. But to know that the average was around $3,000 each month, and to know we cashflowed Christmas, is an amazing feeling. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
We began with 12 accounts. Vehicle, braces, blender, and credit accounts. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Next step is 6 months of expenses! Baby Step 3‼️
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#workingmom #busymom #mom #militarymom #sidehustles #hustle #progressoverperfection #lifestyle #Budget #budgeting #debtfreecommunity #debtfreejourney #debtfree #zerobasedbudget #daveramsey #cashflow #bills #broke #girlmom  #financialfreedom #fpu #tmm
Starting Debt: $10,894 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Dumb debt added in January: ~$800 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Debt paid off: $11,694 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Savings: $1,000. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Total Savings & Debt combined: $12,694 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Months taken to complete: 4 (Sept ‘17, Oct ‘17, Jan ‘18, Feb ‘18). For complete transparency, $3,100 to pay this off was from taxes this year. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ I fully acknowledge that we didn’t start out with as much as some people have. But to know that the average was around $3,000 each month, and to know we cashflowed Christmas, is an amazing feeling. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ We began with 12 accounts. Vehicle, braces, blender, and credit accounts. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Next step is 6 months of expenses! Baby Step 3‼️ ——————————————————— ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ #workingmom  #busymom  #mom  #militarymom  #sidehustles  #hustle  #progressoverperfection  #lifestyle  #Budget  #budgeting  #debtfreecommunity  #debtfreejourney  #debtfree  #zerobasedbudget  #daveramsey  #cashflow  #bills  #broke  #girlmom  #financialfreedom  #fpu  #tmm 
Ohhhh Rob, your memes are just too funny! LOL! 😆 But on a serious note, my interview for a 2nd side hustle went great! I'm just waiting to pass my background check and my clean driving record test and I'll have the job (fingers crossed please😉)! A couple years of 15 hours/week at this job alone will help me get out of debt at least 6 months faster. I'M FREAKING EXCITED! Jenzelle to the max!!!! #daveramsey #babysteps #gazelleintense #jenzelleintense #debtfreejourney #debtfreecommunity #totalmoneymakeover
Ohhhh Rob, your memes are just too funny! LOL! 😆 But on a serious note, my interview for a 2nd side hustle went great! I'm just waiting to pass my background check and my clean driving record test and I'll have the job (fingers crossed please😉)! A couple years of 15 hours/week at this job alone will help me get out of debt at least 6 months faster. I'M FREAKING EXCITED! Jenzelle to the max!!!! #daveramsey  #babysteps  #gazelleintense  #jenzelleintense  #debtfreejourney  #debtfreecommunity  #totalmoneymakeover 
Are you nicer to people who could help you get further along in life than the cashier at the gas station or the person at Walmart with missing teeth?  It's always good to take a look at oneself and question your motives.
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#daveramsey #debtfreecommunity #debtfreejourney #thesmallhelm #kindnessmatters #moralquestions #moneymatters #totalmoneymakeover #givelikenooneelse #charity #livelikenooneelse #debtsucks #financialfreedom
A total debt breakdown before we tackle that credit card debt and bring it down over 78%! 😱 My student loans really haven’t weighed on me much, but seeing such a HUGE percentage is a little overwhelming - and what is worse is I’m not even close to being done with my education. Two years to go. 😥 .
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#totaldebt #totalmoneymakeover #debtratio #creditdebt #cardebt #studentloandebt #finance #budget #debtchart #debtfree #debtfreecommunity #debtfreejourney #debtsnowball #debtslave
A total debt breakdown before we tackle that credit card debt and bring it down over 78%! 😱 My student loans really haven’t weighed on me much, but seeing such a HUGE percentage is a little overwhelming - and what is worse is I’m not even close to being done with my education. Two years to go. 😥 . . #totaldebt  #totalmoneymakeover  #debtratio  #creditdebt  #cardebt  #studentloandebt  #finance  #budget  #debtchart  #debtfree  #debtfreecommunity  #debtfreejourney  #debtsnowball  #debtslave 
God willing we will be debt free next year. We will have no more student loan debt or car payments. Our focus will shift from debt to saving for college, retirement, and income producing investments. These are INTENTIONAL decisions. No one casually lands into a job making a six figure income + a year and working 80+ hours away from home home for weeks/months at a time. We very much could decide to space out our debt for 30 years and live up life. But honestly, we LOVE having a big goal to work toward. And seeing this number going down every payment is like an excitement of its own. Like we are slowly gaining our financial peace and will be able to do those things we love without worry. We are living like this now.. on a small percent of our income, so that later we can do all those awesome things and travel as a family to our hearts content. I encourage you to look at this time of debt pay off(as hard as it is) as a blessing. A blessing to relearn how to be good stewards of Gods gracious gifts and to be content with what we have. In the days were more is status, learning contentment is in of the things I seek to learn most about on our journey! (End rant) 😘
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#daveramsey #debtfreedom #debtfreecommunity #debtfreejourney #debtfreeaf #frugalfamily #frugal #california #adoptionjourney #livelikenooneelse #goals #broke #money #financialfreedom #adoption  #totalmoneymakeover #quotestoliveby #purejoy #encouragement#lifestyleblogger #lifestyle #studentloans #socialwork #minimalism #babysteps  #liveintentionally #brokeaf #picoftheday #collections
God willing we will be debt free next year. We will have no more student loan debt or car payments. Our focus will shift from debt to saving for college, retirement, and income producing investments. These are INTENTIONAL decisions. No one casually lands into a job making a six figure income + a year and working 80+ hours away from home home for weeks/months at a time. We very much could decide to space out our debt for 30 years and live up life. But honestly, we LOVE having a big goal to work toward. And seeing this number going down every payment is like an excitement of its own. Like we are slowly gaining our financial peace and will be able to do those things we love without worry. We are living like this now.. on a small percent of our income, so that later we can do all those awesome things and travel as a family to our hearts content. I encourage you to look at this time of debt pay off(as hard as it is) as a blessing. A blessing to relearn how to be good stewards of Gods gracious gifts and to be content with what we have. In the days were more is status, learning contentment is in of the things I seek to learn most about on our journey! (End rant) 😘 . . . #daveramsey  #debtfreedom  #debtfreecommunity  #debtfreejourney  #debtfreeaf  #frugalfamily  #frugal  #california  #adoptionjourney  #livelikenooneelse  #goals  #broke  #money  #financialfreedom  #adoption  #totalmoneymakeover  #quotestoliveby  #purejoy  #encouragement #lifestyleblogger  #lifestyle  #studentloans  #socialwork  #minimalism  #babysteps  #liveintentionally  #brokeaf  #picoftheday  #collections 
Let’s see how much debt I actually paid off next week! It may not be much but every little bit helps.
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#debtfreecommunity #debtfreejourney #debtfree #debtsnowball #daveramsey #financialfreedom #finance
We’ve been waiting for the final solar panel statement to come saying that they are paid off so we can officially cross it off our list. Well here’s what we’ve been waiting for... with $7.95 of interest needing to be paid 🤦‍♀️
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This time next month will be the OFFICIAL paid off statement. For now, I’m going to say this balance of $7.95 is close enough! Bye bye solar panel loan!!!!! 👋👋👋
We’ve been waiting for the final solar panel statement to come saying that they are paid off so we can officially cross it off our list. Well here’s what we’ve been waiting for... with $7.95 of interest needing to be paid 🤦‍♀️ • This time next month will be the OFFICIAL paid off statement. For now, I’m going to say this balance of $7.95 is close enough! Bye bye solar panel loan!!!!! 👋👋👋
We sat down and decided to tackle this debt first! We are doing a full blown snowball approach! Here is to March 1 when we can get this balance down!
We sat down and decided to tackle this debt first! We are doing a full blown snowball approach! Here is to March 1 when we can get this balance down!
So we have a goal and we're 2 months away! Our goal is to pay off 12k in 6 months! It's crazy and we're excited and scared all at the same time! Wish us luck and for sure I'm going to keep you guys updated!
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#debtfreecommunity #debtfreejourney #daveramsey
So we have a goal and we're 2 months away! Our goal is to pay off 12k in 6 months! It's crazy and we're excited and scared all at the same time! Wish us luck and for sure I'm going to keep you guys updated! . #debtfreecommunity  #debtfreejourney  #daveramsey 
Who else is doing the 52 week money challenge while on a debt free journey? Now when we decided to start this journey I knew I could no longer buy designer handbags (my weakness, other than spending money on eating out and vacations 🤭I’ll share later how we’re able o control spending on that) so I figured if I do this challenge then by the end of the year if we meet our goal I can buy a designer handbag if not then it goes straight to savings or debt 🤔 Gotta keep ourselves motivated somehow right? Other than the motivation of being debt free in 2 yrs 😂 #52weekmoneychallenge #debtfree #debtfreejourney #freedom #financialfreedom #debtfreecommunity #motivation
Who else is doing the 52 week money challenge while on a debt free journey? Now when we decided to start this journey I knew I could no longer buy designer handbags (my weakness, other than spending money on eating out and vacations 🤭I’ll share later how we’re able o control spending on that) so I figured if I do this challenge then by the end of the year if we meet our goal I can buy a designer handbag if not then it goes straight to savings or debt 🤔 Gotta keep ourselves motivated somehow right? Other than the motivation of being debt free in 2 yrs 😂 #52weekmoneychallenge  #debtfree  #debtfreejourney  #freedom  #financialfreedom  #debtfreecommunity  #motivation 
💭 thoughts ??? I don’t want to put us in a position where we would have to pay if enough taxes aren’t taken out. We do have 3 girls however due to our income we don’t get a high credit for them as others do.
💭 thoughts ??? I don’t want to put us in a position where we would have to pay if enough taxes aren’t taken out. We do have 3 girls however due to our income we don’t get a high credit for them as others do.
Today my husbands bonus came through! wahoo!!! after crunching some numbers I realized we could go ahead and pay off our Home Depot Credit Card and put the rest aside for my maternity leave!! Although we will be on snowball pause for now until about May or June, I am so excited to have another debt checked off the list! #debtfreecommunity #debtfreejourney #debtsnowball #babystep2
Today my husbands bonus came through! wahoo!!! after crunching some numbers I realized we could go ahead and pay off our Home Depot Credit Card and put the rest aside for my maternity leave!! Although we will be on snowball pause for now until about May or June, I am so excited to have another debt checked off the list! #debtfreecommunity  #debtfreejourney  #debtsnowball  #babystep2 
Lunch today = whatever is left in my fridge and cupboard that i can throw together so corn and zucchini fritters with greek yogurt it is. This is a fav of the toddler she ate like 8 of them 🙊 for lunch which is the most she has eaten for days! 
#frugal #thrifty #budget #lifeonabudget #ourjourney #whatmyfamilyeats #savingmoney #debtfreecommunity #debtfreejourney #debtfree
So I know I said I wasn’t starting until 3/1 but today I decided to do a test run with cash for groceries. We made out menus and I stuck to my list...but went over by $25. Grrr...I’ve got some more work to do! I know this will be our toughest category with a teenage son and a tween son. Don’t worry I’m not being too hard on myself for the first attempt :) #debtfreecommunity #debtfreejourney #debtfree #snowball #daveramseybabysteps #cashisking
So I know I said I wasn’t starting until 3/1 but today I decided to do a test run with cash for groceries. We made out menus and I stuck to my list...but went over by $25. Grrr...I’ve got some more work to do! I know this will be our toughest category with a teenage son and a tween son. Don’t worry I’m not being too hard on myself for the first attempt :) #debtfreecommunity  #debtfreejourney  #debtfree  #snowball  #daveramseybabysteps  #cashisking 
Has anyone ever read Walden? Years back when my hubby and I were living in Boston, we traveled to Walden Pond a few times. I loved Walden and the mindset Thoreau had. Trying to apply his wisdom to our situation and keep positive about the direction we are heading in (even if it seems up a high mountain right now). #debtfreecommunity #debt #debtfreejourney #debtfree #thoreau
Has anyone ever read Walden? Years back when my hubby and I were living in Boston, we traveled to Walden Pond a few times. I loved Walden and the mindset Thoreau had. Trying to apply his wisdom to our situation and keep positive about the direction we are heading in (even if it seems up a high mountain right now). #debtfreecommunity  #debt  #debtfreejourney  #debtfree  #thoreau 
Focusing on $1,000 at a time. #debtfreejourney #debtfreecommunity #myfedloan #studentloans
What kind of wallet do you use?  I knew I needed something to hold my dividers and open wide for easy access...and it needed to be pretty😉. I found this on Amazon and fell in love!  It looks like this when you use a flash!  #debtfreejourney #babysteps #babysteppers #gazelleintense #budget #budgeting #cashsystem #cashwallet #daveramsey #kickingdebtinthecash  #saving_in_style
Today's free entertainment.... learning about baby chicks! 😍
#debtfreecommunity #debtfreejourney  #eggsfromchickens #freeentertainment #homeschool #learningathome
This is an email from #ebay.. I haven’t even gotten my tax return yet and I feel like everyone is trying to take it from me 🙅🏻. #debtfreejourney #debtfreecommunity
I think I'm obsessed.. with becoming debt free. 
Having my son has opened my eyes. With insurance and daycare.. Wheeeewwww!!! I didn't imagine.. but I'm doing it. I just do NOT want to live in fear. "I have more than enough and God provides for all of our wants and needs"

I got a small refund from taxes that I used to put aside an emergency fund of $1K and I threw the rest at my smallest debt. Got my only credit card balance under $2k and next month my mortgage will be under $100k.. you see.. I'm obsessed. Lol #debtfreecommunity #debtfreejourney #imdebtfree
I think I'm obsessed.. with becoming debt free. Having my son has opened my eyes. With insurance and daycare.. Wheeeewwww!!! I didn't imagine.. but I'm doing it. I just do NOT want to live in fear. "I have more than enough and God provides for all of our wants and needs" I got a small refund from taxes that I used to put aside an emergency fund of $1K and I threw the rest at my smallest debt. Got my only credit card balance under $2k and next month my mortgage will be under $100k.. you see.. I'm obsessed. Lol #debtfreecommunity  #debtfreejourney  #imdebtfree 
The last friday of every month hubby and I sit down and talk Money, Goals & Dreams.
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We plan our budget for the month ahead & We set goals ~ financial, lifestyle & personal ~ which we break down into tasks to be completed
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Then we Dream together.

We talk like lovestruck teenagers imaging our perfect life of adventure together.  We talk like there are no boundaries, no limitations.  We talk freely without judgement.  We just dream.
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I first got this idea from Jordan Page @funcheaporfree ~ and I'm not going to lie, the first couple of times we did it, we felt pretty silly to say the least. .
It can be very hard to dream when you are so broke you can't sleep at night.
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But ... if we had no future together to look forward to, what the heck we were fighting for?
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So we dreamed. .
"You know what I would love to do once we're #debtfree? ... Just take a year off and travel around Australia.  Wouldn't that be cool?!" 👧 "You know, I've always wanted to do that!  That would be pretty cool." 👦
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And that was it; the beginning & the end of our first Dreaming session.  Back to reality. Back to bills.  Back to the grind.
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But we continued with our monthly budget meetings / date nights, & we continued to open up to each other about our dreams. 🌏🛫🏕👙🏖💪🏠🏘🚙⛵🚀
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This, right here, "Budget Meeting Date Night" has probably saved our marriage.  It has brought us closer together.  It has given us purpose.  It has put us on the same team.  It has made us allies not enemies in our War on Debt.
• • •
There are still a few days left before the end of the month, so I challenge you to make time to sit down with your spouse and talk Money, Goals & Dreams. .
Who knows where it might lead to 😉
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#lifeonabudget #debtfreejourney #debtfree #debtfreecommunity #BestYearEver #LiveIntentionally #partofthe8percent
The last friday of every month hubby and I sit down and talk Money, Goals & Dreams. . We plan our budget for the month ahead & We set goals ~ financial, lifestyle & personal ~ which we break down into tasks to be completed . Then we Dream together. We talk like lovestruck teenagers imaging our perfect life of adventure together. We talk like there are no boundaries, no limitations. We talk freely without judgement. We just dream. . I first got this idea from Jordan Page @funcheaporfree ~ and I'm not going to lie, the first couple of times we did it, we felt pretty silly to say the least. . It can be very hard to dream when you are so broke you can't sleep at night. . But ... if we had no future together to look forward to, what the heck we were fighting for? . So we dreamed. . "You know what I would love to do once we're #debtfree ? ... Just take a year off and travel around Australia. Wouldn't that be cool?!" 👧 "You know, I've always wanted to do that! That would be pretty cool." 👦 . And that was it; the beginning & the end of our first Dreaming session. Back to reality. Back to bills. Back to the grind. . But we continued with our monthly budget meetings / date nights, & we continued to open up to each other about our dreams. 🌏🛫🏕👙🏖💪🏠🏘🚙⛵🚀 . This, right here, "Budget Meeting Date Night" has probably saved our marriage. It has brought us closer together. It has given us purpose. It has put us on the same team. It has made us allies not enemies in our War on Debt. • • • There are still a few days left before the end of the month, so I challenge you to make time to sit down with your spouse and talk Money, Goals & Dreams. . Who knows where it might lead to 😉 . #lifeonabudget  #debtfreejourney  #debtfree  #debtfreecommunity  #BestYearEver  #LiveIntentionally  #partofthe8percent 
Updated my numbers to just reflect BS2 but 😫. Down 2 💳 but up one massive 🏦 loan for RRSPs. 😭
#frugalfunjourney #freedomfromdebt #debtfreecommunity #debtfreejourney #struggleisreal #progressreport
Sometimes the #debtfreejourney can be overwhelming. Too many bills, too little income, whatever it may be, it can get crazy and you lose focus pretty quickly. I know because I've tried to start the baby steps at least a couple of times. So glad to have found the #debtfreecommunity in IG because I've been sticking to the plan since I've re-joined last December. Let's altogether smash that debt! 👊🏼👊🏼👊🏼 #debtfree #daveramsey #babysteps
Sometimes the #debtfreejourney  can be overwhelming. Too many bills, too little income, whatever it may be, it can get crazy and you lose focus pretty quickly. I know because I've tried to start the baby steps at least a couple of times. So glad to have found the #debtfreecommunity  in IG because I've been sticking to the plan since I've re-joined last December. Let's altogether smash that debt! 👊🏼👊🏼👊🏼 #debtfree  #daveramsey  #babysteps