That feeling when you make your last payment to debt before your baby gets here! #debtfreebaby 🕺💃🏻 🍼
18 955 minutes ago
@journey2free_carissa was such a huge help! Because of her great suggestion to switching to @cricketwireless, I am now saving $3,600 a year! I was paying $430 a month for unlimited (4 lines & an Apple Watch) with U.S Cellular vs paying $130 for 4 lines unlimited everything (+15 gb of hotspot) .. it required the sacrifice of giving up my fancy phone I was making payments on.. for a phone that I could afford to pay for out right. Worth it though in the long run.. 🤙🏼 I love the #debtfreecommunity ❤️
One thing I'm learning is that meal planning doesn't have to be fancy. Sundays are the hardest days for our family to want to eat out. Our whole family is up super early and to church for most of the day. By the time dinner rolls around, everyone is exhausted and doesn't want to do anything! But we're over here trying to be better! Breakfast for dinner it is! Thankfully my babies gobbled it up. Honestly, they love McDonald's (ugh i know...don't @ me Karen!) But they're also not picky eaters and just need to be fed. #dfc#debtfreejourney#cheapmeals#breakfastfordinner#itswhatsfordinner
0 07 minutes ago
Making 💰 on a Sunday while I enjoy spending time with my family. So far 3 packages being shipped tomorrow.
NOT a great picture but I moved my whiteboard to be bedroom wall. It had been in my "office" but I never went in there to look at it and am now cleaning out that space for when my new roomate moves in. Rather than getting rid of it, i put it somewhere that I can see it and be reminded of my journey.
Categories are wish list, upcoming expense, current mortgage balance, and my planned trips.
Upcoming expenses so far include pest control, pet shots and Auto work that needs to be done. Looking forward to see how this impacts my budget planning and goals if at all. #trysomethingnew#debtfreejourney#debtfreecommunity#singledebtfreejourney
0 622 minutes ago
Link in bio under “APPS THAT PAY”! Turn those receipts into cash!
Don’t forget to follow @couponchica1
Working on September’s budget. I usually will start listing everything out with what I believe my income is going to be (always try to low ball it) and then get everything in writing of what I need to pay and want to pay for the month. I’m pretty sure there is going to be some monies left over.. if there is I’m going to both restock my emergency fund and put it towards my capital one card 😊💰
How do you know if you’re making progress? 🧐You’ve been putting in the work to improve your health, get your life together, work towards big goals and dreams. So how can you tell when it’s something that changes gradually over time?
1. You’re following the best course of action regardless of whether you see the results yet. You’ll never get there if you don’t stick with it.
2. There are little signs of improvement that you might be overlooking. You had less pain severity for less time on average, you slept better 3 nights when you usually don’t sleep at all, or you paid off $999 of debt, only $99,000 to go.
3. Something weird happened. At first you didn’t like how it felt, but looking deeper you see a slight change in your behavior pattern. You felt really tired the day after acupuncture and realized you actually need to rest. You kept up with your financial spreadsheet tracking expenses and couldn’t account for $333 spent so you had to do more digging into your spending habits. You ate 7 cookies and realized you were really hungry and tired and should have eaten a meal before going for a sweet pick me up and now you don’t feel well.
4. You don’t tolerate what you used you let slide. You say no to an invite because you’re maxed out on your commitments. You follow a budget that supports a healthy and happy life with debt getting paid off, healthy food, exercise expenses, self care therapies like acupuncture, massage, chiropractic, counseling, and anything else necessary for you to be the best you.
5. You know what you want. Your goals are clear. You’re set on your vision. You have mentors and role models who have achieved what you want.
Keep on the journey of paving your unique path in this world. Prioritize taking the best care of yourself and everything will come together. 💜
These beauties hit my closet today ! I don’t have much jewelry listed , but I’m trying to branch out and offer more items in more categories 🤗
Head to the link in my bio to snag these up (and get a $10 credit towards your purchase when you use my signup code LOVERE_STORED. 🙌🏼 )
1 436 minutes ago
This is something I need to focus on. I follow a lot of really great accounts on here that I find just so inspiring! However, there are some accounts in the DFC I’ve come across that I chose not to follow.
I try to keep my page here upbeat, positive, uplifting, supportive and real. I started this page to connect with people in the DFC. To share my knowledge and my journey. I want to be engaged with people on this journey and I truly found that here.
This is just a quick reminder here to use social media intentionally. Don’t follow big accounts just bc other people do. Follow those who inspire you or you can relate to. 💜 #debtfreecommunity#debtfreejourney#personalfinance#intentionalliving#inspiringquotes
0 437 minutes ago
During all my adventuring today I was able to cross another name off my Christmas list! I’m TRYING to keep it to $20 or less a person this year. I’m definitely guilty of going overboard in the past thanks to Credit Cards. Frys had a huge clearance section that was 70% off then you got another 20% off clearance today. I took a second to flip through and found a sweatshirt, a sweater, and a long sleeve tee for one of my brothers for a total of $18.01!! I’ll pull that money from my “gifts” cash fund hiring in my closet and deposit it tomorrow. I’m so proud I was able to purchase these items, and ONLY these items, with CASH. Past me definitely would have bought these, and then some (extremely unnecessary) thing(s) for myself too AND it would have gone on whichever credit card had an available balance. #debtfreecommunity#debtfreejourney#debtsnowball#babysteps#babystep2#cashfund#cashenvelopes#debtisdumb#cashisking#progress
0 338 minutes ago
I bought myself something to eat and spent $18. 🥺😢 What about you?
2 239 minutes ago
FedLoan has stalled my August debt avalanche 😪
At the end of July, I submitted the remaining funds of my Segal Education Award ($409.06) to one of my student loans totaling $732.90. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
I planned to pay off the remaining balance ($323.84) of this particular loan two weeks ago but was told that I couldn't until the award transaction was processed. ⠀⠀⠀⠀⠀⠀⠀ ⠀
It's been a solid 29 days now and despite my instructions, multiple calls and confirming with reps who ”notated” my instructions, and not seeing a change in my account online all this time... ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
I log into my account today to find that my payment was applied across all my loans 🤦🏻♀️👿
It's frustrating because August has been a great income month for me and is my first month with no payments - just a TON of variable but necessary expenses. I COULD start paying off my other loans but tbh I'm not comfortable handing over additional money to fedloan until they correct their error.
Mandatory monthly payments will resume for me next month after my fedloan IDR recertification goes through. My loans we're put into forbearance from Sep 2017-Sep 2019 as a benefit of being a AmeriCorps VISTA. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Fingers crossed I can make a huge dent in September to end Q3 strong 🤞🏼
I remember the moment that I was crying so hard I couldn’t breathe. I remember that moment, the day he left and slammed the door on the way out. I remember that day of relief, after a year and a half.
I could breathe again + that’s when my life began to change.
I started working out again + started to focus on myself.
BUT there was something still missing. I was still not happy + still frustrated with my body. At the time, I didn’t know why.
Until one day, scrolling through good ol’ FB, I saw a post and made a decision. To spend $186 and invest in my health.
3 years later, I am happier, healthier, in an incredible relationship, have met some of my best friends, I’m more confident, and on my way to being the strongest version of myself.
It doesn’t happen over night. It takes TIME. It takes EFFORT. But YOU are fully CAPABLE of achieving your goals. To getting to your goal weight. To getting your mindset back on track. And I will be over in your corner cheering you on and helping you throughout your journey! ❤️
I have 2 promo codes left for you if you’re ready to begin you’re ready to invest into your health!
1 1140 minutes ago
My favorite boy. Mo costs us a lot of money! His food is about $50 a month, his doggie daycare is $20 a week and more if we board him when we're out of town. His shots cost about $200 a year. We spend $10 a month just to get his butt juiced at Pet Smart 😂 he needs dog shampoo and a decent brush and nail clippers and denta stix sometimes and a life jacket for the boat. We needed a better vacuum and a carpet cleaner and car seat covers and a million lint rollers because we have Mo. I think we spent $250 in June in vet bills that all started with a hot spot of all things. The list goes on and on! I wouldn't trade it for the world. People have been trading tags here lately about things they refuse to give up on the #debtfreejourney and spending money on Mo is mine. #dogsofinstagram#debtfreecommunity#debtfree#budgeting
4 4744 minutes ago
I’ve made a little over $1k from selling all my unused stuff online. Every penny went towards my debt payoff 🙌🏽
My current grocery budget is $350 a fortnight for a family of 4!
Im trying to cut down on this amount so Ive made a meal plan for the fortnight and most of these meals will have enough left over for lunches the next day, which saves us $$.. We pick and choose what dinner we want on the day as hubby doesnt like it being to planned.
I did an online shop costing me $180 and
I will go to the butcher for the roast beef and steak as I like the quality better, but guessing it will come to around $220!
Im hoping that we will be well under budget for our top up shop next week!
Always looking for ways to save! #bugetmum#budgetmealprep#mealplanning#mealplanningmom#onabudget#savingmoney#payingoffdebt#debtfreegoals#debtfreejourney
How do you guys save money whilst spending on yourself and self care? I do my own acrylics at home which works out a whole lot cheaper then a salon. I also don’t get my hair cut at a salon but weight start that when I start my job 😂😂 I also tan at home!
I've paid off so much of my student loans so quickly that my next payment is due in 2023! Yay! I'm going to use some of my upcoming payroll to schedule the rest of the payment to wipe out the student loan and then I will be completely done in the first week of September 2019!!!!! #victory#finally#ididit
Sunday nights in with my own mini charcuterie💕
I love staying in and enjoying what we have at home🙌🏼
2 61 hour ago
Have you ever thought about money beyond the scope of needing it to build the life you’ve always wanted? What is it about money that can change your approach to life?
Managing your money and building wealth involves much more than simply making —or having — more money. The most successful people are those who have a positive relationship with their money. As a financial advisor, I hear from many people who are making emotional, rather than logical, decisions about their finances. For them, money has become a monster they struggle to tame, versus a tool to support their lifestyle. But it doesn’t have to be this way.
anyone else feel like their own worst enemy sometimes? 😩
2 81 hour ago
•Embarrassing Post Ahead• ▫️ Today I was going down memory lane with my husband about stupid sh*t we have spent our money on and the different jobs we have had! We came across this photo and I almost died 💀 this was my “ side hustle “ in HS 🙈 I used to “ model 🤦🏻♀️” for KMART in my early teens 😭 (I used to make $100 per photo shoot 🥴) which was a lot for a 16-17 year old while working part time @dennysdiner in 2009 and he worked one summer as a car salesman for @hyundaiusa who gave him a 3k sign in bonus that we blew at the beach that summer 😬 I wish I could go back and shake some sense into me, but also gives me a life lesson to teach my daughter. Money was always a taboo subject with my parents, most of the times money was only spoken about when a birthday came around. I wish my parents would’ve told me to save that and use it towards my future wether in school or for a home 🏡
1 51 hour ago
The hardest part about being #credicarddebtfree is STAYING #debtfree ! It has been a bit of a struggle as you can see by my budget figures in the negatives. I have a cushion built in so technically we’re not in the negatives really, but I should not be dipping into that! (This is just my paycheck budget. My full budget includes my husband’s paycheck which is not shown.)We had a two bills this month that happen yearly that I forgot to plan for. Next year I will be better prepared. It’s not enough just to pay off your debt—you must retain this lifestyle FOREVER! It’s like a diet. You lose weight on a diet but as soon as you go back to eating like you did before, you gain all the weight back! (I recently did that as well.) We have already paid off our credit cards and we are so close to our goal of paying off my car loan by December—5 months early. Then we’re attacking the mortgage! Maintaining the sight of our end goal and reading about other people’s journeys such as @thefrugalrn and @debtfreeweirdos is what keeps us motivated and laser-focused. It’s been an almost 4-year #debtfreejourney so far but it’s been worth it!! We can’t wait to do our #debtfreescream ! We have @daveramsey@rachelcruze@chrishogan360@thebudgetmom to thank for pointing us in the right direction! We are proud to be part of the #debtfreecommunity#cashisking#debtisdumb#livelikenooneelse#everydollar#daveramseybabysteps#budget#budgeting#budgetplanner
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My biggest financial mistake was letting others manage my money thinking they knew better. I was in undergrad and I didn’t know much about personal finance other than being frugal. My source of income was through scholarships and part time jobs, which I used for tuition and living expenses but anything leftover I gave to my parents, b/c I thought it could help them out and they might know how to manage it better. I did this for 4 years, at ~$5000-6000/yr no questions asked. .
It wasn’t until I started med school when I began to take initiative in learning #personalfinance and DIY investing. For the first time, I asked my parents...”what did you end up using my money for?” Turns out, some of it was for the mortgage, groceries, a brand new car 🧐, and the rest they didn’t know how to manage it, so they went to a financial advisor at a bank for advice on retirement savings. .
The advisor had put that money into HIGH 2.5%+ MER (Management Expense Ratio) mutual funds. I tried to persuade them to get out of that b/c those management fees were way too high. But b/c I was a med student and not a financial advisor, they trusted the bank’s financial “expert” more. .
It wasn’t until a few years later when I showed them that my DIY investing did better than theirs, did they finally change their mind. .
Have you ever made the mistake of trusting others with your money without asking questions or doing the research first? #financialliteracy
After 7 months and 12 days of throwing all of our bonuses, tax returns, and additional income at our debt snowball, Tyler and I are officially FREE from credit card debt! Our #debtfreejourney has been full of challenges and we have been far from perfect, but we did it! After a “series of unfortunate events” and bad financial decisions, we had finally had it with living paycheck to paycheck and giving our money to credit card companies. We began Financial Peace University in January and it changed our lives! We’re living like no one else so later we can live and give like no one else! #financialpeace#debtfreecommunity
4 191 hour ago
I can’t help but notice that nearly everyone around me owns an Apple Watch. They’re incredibly functional, beautiful, the perfect accessory. When I walk by an Apple store I just have to stop by to take a peek. And yet, I can’t consciously justify buying one, at least for now.
This weekend my husband and I were chatting about different ways we could have spent the money we have used to pay off debt so far this year. You guys, it’s crazy. We could have purchased one Apple Watch PER WEEK so far in 2019. 😳🤯
Instead, we diligently make payment after payment to lenders and wait patiently as our balances decrease. It’s not as fun as changing out watch bands and “closing your rings”, but I’m proud of how far we have come. 🌟🌱 I look forward to buying an Apple Watch someday but I also understand that an accessory won’t make my life more meaningful.
I have a crazy week coming up and I spent time today making sure to set myself up for success! I put away laundry, cleared counters, prepped lunch for tomorrow, packed my multivitamins and everything I will need for tomorrow. I also picked out my outfit, and finished a few other errands.
Then I had a glass of wine, lit a candle, and meditated for 15 minutes. 🍷 🕯 🙏🏻 Root to rise, y’all. 🧘🏼♀️ 💞 When I feel grounded in taking care of myself I can rise to be the best version of myself. 💫
What things help you prepare for your week? I hope everyone had a fantastic weekend and that you feel strong to face the week ahead. Sleep well #dfc !
This has been on my mind a lot lately: I’m a spender. But I’m also a nerd. I love keeping track of my spending but that means I can see exactly how my bad spending habits are affecting my ability to save and invest and make the best use of my income. My goal for myself is to be more intentional with my spending and limit emotional spending. Maybe I’ll even do daily spending updates that I’ve seen some other accounts do
Are you a spender? What has best helped you stick to your budget?
2 191 hour ago
Wake Up And Meet Your Future. Keep Your Eye On Your Vision, Plan Your Tomorrow, And Take Action. Just Do It Like Nike. Get Intentional.
4 451 hour ago
💵I was the reluctant spouse for almost 4 years. It took my husband many tries to get me to finally wake up when it came to our financial situation. Throughout this time, I have learned many tips and tricks to get a reluctant spouse to finally see the light and hop on board the money train. Subscribe to my channel so you can be notified of Wednesday’s video as soon as it comes out. I know this can help many of you out there. 🙏🏻 .
Link in bio.
Well, I’m on track to setting aside 22k into retirement accounts this year, however, I didn’t follow the max out 401k, 457b, Roth IRA, etc first before putting funds into a regular brokerage account 😅
Let it be known I barely know what I’m doing haha but I do know I want to be financially free in my 40s. And I can’t do that if I put all my eggs into accounts I will be penalized for touching before 59.
So I used Dave Ramsey’s calculator to get an approximate idea of how much I need to save.
I calculated how much I need to save in retirement by age 46 (when I want to stop working) so that I’m able to stop contributing to it, let compound interest (conservatively estimating 7%) do its thing for 13 years and have enough during “formal” retirement age.
Calculated how much I need to save to have enough in a regular brokerage account during those 13 years of early retirement.
And calculated how much I need to save in cash savings in case a recession happens & I can’t use my investments.
1 51 hour ago
Toilet Paper Math is SOOOOOO confusing. I've got a way to cut through the hype and make it SIMPLE. Learn how here: https://truemoneysaver.com/money/spend-less/best-price-toilet-paper/ ✅🧻
2 62 hours ago
A little bit about myself since I’m new in these streets😊 Feel free to check out my IG stories. Happy Friday everybody!
2 1223 August, 2019
Note to self!
2 1123 August, 2019
Popular Instagram Photos
Buying a car with cash is so daunting to me! It's going to be my next big goal after paying off our debt and saving an emergency fund, and I'm not going to lie, I'm nervous!
But these people give me hope! Jenny from @Jenny_eats_doughnuts and her husband put in the hard work and patience and #SavedUpPaidCash for a family car in 2018!
How'd they do it? They saved $100-300/mo for 3 years and then traded in her Jeep to buy this 2016 VW Tiguan for $17,998. That is INCREDIBLE!
What do you think of this? Thumbs up or thumbs down? Could you do it?
159 3,06324 August, 2019
Someone recently told me she “couldn’t fathom” NOT contributing $200 a month to her Roth IRA while paying off debt, but wondered if she should stop investing. Others struggle with going on a trip on occasion while paying off debt.
The truth is: YOU CAN DO BOTH. I believe in doing things in moderation—not deprivation. Take heed to good advice, but ultimately design your life according to your personality, tendencies, goals and needs.
Everything’s not black and white. There’s 50 shades of gray. Pick one.
Just wanted to encourage someone who’s having an internal battle. Peace and blessings! ✌🏾💗
💻📱Get tips and freebies on my blog by clicking the link in my bio: @wisewomanwallet. #linkinboo
I loved having the summer off, but it’s been really hard going back even though I truly love my job. My little guy struggles more in the evenings so I’m missing those super happy moments we had every day. But I’m also so grateful to be there for him during the second half of the day. He’s also with my husband in the day, so we don’t have to worry about daycare - another beautiful blessing. Today, when I came home to work, he barely acknowledged me. His grandpa is here so maybe it’s normal for them to be more distracted. Maybe children do this anyways at different stages or times? But I’ve noticed he’s a little less attached to me this week. This kills me. This kills me to share. It’s making me cry as I type this. But I want to because this is MY WHY. This is why I want less stuff. No more debt. To live simply and not be focused on stupid furniture or trendy clothes. I want to be home. I want to be with my family more than I work. I want to only have to do a side hustle when my husband is a teacher. I plan to work my tail off the next 1-2 years so I can be home and only do one job. I’m going to count my blessings, focus on the positive... but also remind myself each day that if I keep budgeting, minimizing, and not buy unnecessary things... I won’t have to work two jobs.
Don’t worry guys, I’m okay. I’m sad this week. I’m stressed. But I’m also incredibly grateful for all that I have. I know I will get in a routine and these feelings won’t be so raw, and will just be a nagging reminder of why I’m doing this.
I feel like I have to put a disclaimer on here because there’s always someone who reads into things way too much without knowing me or my heart. I am in no way saying SAHMs have it any easier or don’t have super hard days and just want a break from their kids. I am also in no way saying there’s anything wrong with WANTING to be a working mom.
Your journey is yours, and this is mine.
99 1,89422 August, 2019
Hit ❤️ when you see it 🙌🏻
99 4,1587 hours ago
So I do this all the time! Who else does this? 🙋🏼♀️🙋🏼♂️
💋♥️make sure to follow @savingwithseymour ♥️💋 . .
Broke…It has a whole different meaning...
If you caught my stories earlier, you may have seen the results of my spending over August….In other words, I realised I have zero, nothing, zilch,sweet fa to spend.
Its ok though... as much as I feel alittle embarrassed and alittle silly to be budget budget budgeting and in this position, I'm still making progress. I also want to show that a budget doesn't just work over night, especially as different months bring different challenges. It takes months maybe even years of refining. However the main reasons why Im not too worried: .
One, I saved money this month…I mean come on thats good!!
Two, I have half a tank of petrol and cupboards full of food, our needs are covered
Three, only afew days left till I get paid
Four, if I can survive these last few days without dipping into savings that will be a win! .
See the difference is, I do have money, I could go out tonight, I could have paid an entrance fee to a day out today but I chose not to as once that moneys in savings, I want it to stay there. My wants today are not greater than my dreams for tomorrow. .
The aim, one day is to take the budget to the next level. Where I always have money left in each of my spending pots at the end of the month. I have a funny ol feeling this wont happen till Im debt free but I'll push for that each month anyway.
Do you struggle with making your money last throughout the month?