MERMAIDS ARE REAL. 🧜🏻♀️
I had started yoga about 10 times in my life. All the way back in middle and high school, I used to be able to be super bendy and flexible and I felt great. Then I got into senior year with full-time high school classes, college part time and working about 25 hours/week.
Life plain sucked and I gave up because I had no time. Once I got into college and had my son, I really had no time or energy. It wasn't until recently that I realized I missed it and I need it.
I work a desk job 40 hours a week. I burn all of my energy by cleaning or working on my businesses instead of dividing it up and taking the time for self care. But I'm changing that now. 🌿
Do you have 2k in your bank account(not investments)? How you would like to have a extra bucks for that vacation? Read this article.. It will open your mind to all the possibilites.. Tech has given the power to the average citizen.. Learn about 6 SMART WAYS TO MAKE MONEY FROM YOUR PHONE(Most people dont know about these)
Copy and paste this link: http://bit.ly/2KNSBmf #investing#frugalliving#fintech#techy
Do your kids help in the kitchen? When I announced that I would be assembling some easy freezer meals, all of my kids were eager to get in on the preparations.
While some chores took longer than if I had just done them myself, there were a lot of things that were genuinely faster with five little helpers.
After a couple of hours, my number of assistants dwindled, but in our time together we accomplished quite a bit.
We made 11 crock pot and instant pot meals and 3 casseroles, so 14 meals total.
Not bad for our first time working together on such an endeavor!
Now we need to start eating them to find out which are our favorites so we can restock the freezer before baby comes!
📉 This is why we make extra repayments on our home loan 📉
The blue line shows where we would be paying off our home loan if we made the minimum repayments over 30 years
The orange line shows our actual repayments. It’s a $20,000 difference and we’ve only had the house 1.5 years
I know we won’t always keep this trajectory. We won’t always be able to be a one car family, we want more children and we will probably move back to Qld one day and buy a more expensive property there. But for now, I’m pretty happy with how we are doing 😊
My district is preparing to strike. PLEASE HELP US PREVENT IT! If you support public education PLEASE share my post, no matter where you live. Tag @stevesisolak @clarkcountysch @senjackyrosen @sencortezmasto
Even if you don't share, please tag them in the comments below⬇️⬇️⬇️
As teachers, we don't want to strike. But we are tired of our state and district not adequately funding education. We are tired of promises for funding that are never fulfilled. We are tired of being at the bottom of every good list and the top of every bad one. My district has been in turmoil for YEARS (800+ vacancies YEARLY, severely under the threshold for adequate funding, 20% teacher turnover rate in THE 5TH LARGEST SCHOOL DISTRICT IN THE US)
I have been teaching 5 years (I just started year 6) and have never once recieved a pay increase without a lengthy arbitration. I worked 675 hours and spent thousands of dollars for a promised salary increase. I was only granted it after two legally binding arbitrations. .
Now CCSD is denying others that same pay increase when they have the funding. .
It's not about "raises." It's about CCSD honoring the contract that THEY MADE. It's about giving our kids the FREE AND PUBLIC education they deserve. Please help the 320,000 kids impacted by our careless leaders. P.S. 25,000+ of those students are currently be taught by long-term substitutes because CCSD can't retain teachers wheb they don't pay. #shameonccsd#ccsd#supportpubliceducation#retentionoverattrition
15 921 hour ago
💡 if you struggle with online shopping, remove the auto fill of your card information from your favorite online sites!
You know which ones I’m talking about 😉 Amazon, Target, Costco... just to name a few!
Some people use online shopping or shopping in general for a pick me up whenever their down.
Let’s be honest, we all love seeing our packages sitting on the front porch and can’t wait to open them!
Some of y’all have packages coming every other dang day!
Online shopping is addictive, take control of the bad money behavior before it takes control of you!
1 111 hour ago
I bought myself a Country Road top from the op shop in town that I went to yesterday. I don’t usually buy things second hand as I have a bit of a thing with germs and wearing other people’s things even when they’ve been washed...
Anyway this was in really good/ new condition so I got it. It was $11 & they had 20% off winter items so I paid $8.80 for it!
Gave it a nice thorough wash and it’s like brand new so I’m happy I got it 😊
Op shop finds! Brand new in boxes, the muslin wraps were $3.50 & the newborn set was $8.
At Baby and Toddler town we got similar muslin wraps on sale there for $12 each so these were a bargain!! 😊
3 151 hour ago
because other people are listening! It is amazing how many of our habits are learned because we heard someone else’s opinion. .
I didn’t know what Brussels sprouts tasted like because my mum never cooked them, but I always “hated” them because my favourite book characters did. .
I loved carrots because I wanted to be like Bugs Bunny, and I went through a phase of only eating green apples because my cool next door neighbor ate one once and said they were great 😂
The more we say and show it’s possible to live without Afterpay, credit cards, or debt, the more people will believe it. The more people hear “debt is normal”, the more ok and complacent they will be. .
Our language matters. How we speak about things affects those around us. Let’s speak wisely and use our words for good.
5 311 hour ago
It's rare that I will travel into the city (or even one of our larger towns) without a #groceryhaul . We have so little in our small town, and such high prices, that I always want to take advantage of any savings I can get if I'm there anyway.
A trip to the biggest city in Maine, Portland, meant I could visit Sam's Club (we only have three in the whole state). Also, their Walmart usually has a good selection of items, whereas my local one has minimal selection and lots of empty shelves. I had planned this trip for two weeks and I couldn't wait to hit these stores!
Dollar General was a last minute decision based on hubby eating lots of root beer floats after his wisdom teeth were pulled. I stumbled upon the clearance popsicles at just 4 cents per pop and I couldn't pass them up. I get these at Walmart for 7 cents per pop normally. I know they're awful, but it's a super cheap treat when the kids want something for dessert or on a hot day.
With just over a week to go, I feel our #grocerybudget is in good shape. It's been so nice to have a total of $500 for the month of August. The pantry and freezers still look pretty sparse, but no one's going hungry!
Guys, I need your help.
I’ve been using YNAB (mostly ineffectually) on and off for nearly 4 years now. Sure, I find the software amazing and user-friendly. It’s got all of the features I want and need in a budgeting tool. But is using a paid software *necessary*? I had my business advisor walk me through how to create cashflow projections in Excel (well, Numbers actually. What can I say— I’m an Apple head)
ANYWAYS the point is— I think maybe there’s a way to effectively budget for free?
I want to hear what you all do. What softwares, tricks, systems do you use to budget?
This is such an accomplishment for me! My first car (the one I had before our current car) was old and constantly breaking down. Toward the end, I had so much anxiety about driving it because I was afraid of being stranded on the side of the road. This happened to me several times!
After breaking down, I’d stress about how I’d be able to afford the car parts as a college student. ———————————————————————-
This fund ensures that we will never need to pass on regular maintenance because of the cost and if something does happen we will be able to cover most or all of the repairs without having to worry. ———————————————————————-
This will also cover insurance payments every six months and yearly registration. ———————————————————————-
I just asked our credit union to add on another free savings account to our profile. This way it’s separate from the rest of our money, but we still have easy access if needed. ———————————————————————-
With cars it’s not a question of IF it will happen, but WHEN. Making preparations like this will hopefully prevent us from having to go into debt. ———————————————————————-
Do you have a car maintenance fund? How has it helped you? .
I think like most people food shopping was the one area where we could make the biggest difference in our budget.
We are a family of 5 with a teenage son who loves to eat!
We were spending far too much money every month on food!
We were shopping then eating out and throwing the food we bought right in the trash when it went bad 🤷♀️ this was a vicious cycle 🤦♀️ Before starting the @daveramsey plan we never even kept track of food spending. After all it is a necessity right?? Well when we went back over our checking account and really calculated what we were spending on food per month we couldn’t believe it! What a complete waste of money!! Totally irresponsible of us and what a waste of food! Now fast forward 10 months to how we handle this part of our budget. Our family of 5 now budgets $560 per month for food...yup! That’s it! The way we stay on budget is by shopping at @aldiusa and not eating out. We cook healthy meals at home and pack lunches for school and work. Getting the hang of shopping only once per week and keeping within our budget has been a struggle at times but a good challenge for us! I think making a point of only going to the store once per week is what helped me the most.
Where do you struggle most with budgeting? #foodbudget#budgeting#budgetingtips#savingmoney#saving#shopping#aldi#cookingonabudget#daveramseybabysteps#daveramsey#spendless#cookingathome#frugalliving#debtfreecommunity#debtfreegoals#howtobudget#moneymistakes#freedomfromdebt
How have I grown my insta account? Check out my new Blog Post. Link in Bio!!!!!
I’m on Vacation this week and thought I would do a fun post!
Honestly, I get tons of questions on creating an audience in instagram, so I hope this helps. I hope you all love what I share as much as love sharing....this is truly my passion 🙌.
In return, I’ll take tips on growing my Pinterest account 😂.
8 982 hours ago
It feels crazy writing this, but it feels even more rewarding and relieving to know it's actually happening! Our last credit card is so close to being paid off and our hopes to end the year and start our build completely consumer debt free is all becoming OUR reality!
I'm grateful that this credit card is interest free too, which means less money to the bank and more in our pockets. 😉 We could pay this debt off right now with what money we have in our accounts, but we need to save for some build costs, so our current aim is to be debt free by October. Since we aren't paying interest - this works best for us as we become debt free 3 months before anticipated, and meet our important savings goals!
18 2322 hours ago
Budgeting isn’t something that we were taught in High School. Even my own parents didn’t teach my about it. I had to learn how to budget on my own and obviously learn from the amazing #debtfreecommunity . Me & Adrian’s life before our budget was a total mess. We would go through our money VERY quickly. When it came time to pay bills, we either had to pay them at a later date or overdraft our accounts. Since I’ve been back on this #debtfreejourney , I’m proud to say that for the first time in months, we haven’t overdrafted either of our accounts! It feels so good to know that our account has not/will not be negative at all this month. This is something huge for us. Budgeting has saved our lives (& our bank accounts 😄).
🙌 Thirty minutes active; one hour in the oven. Less than twelve bucks for four servings. 🙌
You can make this even cheaper (and faster) if you like chicken legs—I’m just a white-meat snob. (I have a weird thing about bones.) Swipe to see what my three-dollar dinner looked like! #dinnerinaSNAPchallenge
1 112 hours ago
This might not be the best photo but I made this a few days ago and I have been eating it for breakfast ever since. Saute mushrooms, onions, and peppers in olive oil. Add kidney beans and black beans. Add seasonings. Let everything cook together for a few minutes. Stir in refried beans. In a greased baking pan, break up corn tortillas. Any shape. Add a layer of enchilada sauce. I made Easy Red Enchilada Sauce from @budgetbytes. Add some of the bean mix, another layer of broken up corn tortillas, more enchilada sauce, cheese, repeat the layers as desired. Cover baking pan, bake at 375 degrees. It is yummy. Can easily be a vegan dish. So easy! #wehavefoodathome#easyrecipes#cookathome#frugalliving
This weeks Coles shop. Need to hit $50. I've got 2 $20 coles gift cards. And ill top up with cash from flybuys sales. I will pay a little more for a few things then going ro aldi but i need convenience this week and im willing to pay $3-$4 more for that.
Have you done your shopping list yet?
Weekend plans // As the weekend is getting closer and I’ve had a hell of a week at work, I’m making some plans now to know I’m going to enjoy my weekend and not let it feel wasted, but to relax too because I’m starting to get sick. A grazing board, and a nice bottle of red will be making an appearance. I have all of the stuff in the house so I don’t need to spend anything extra to whip it up. I want to have a sleep in, go to the sauna at the gym, and I’m thinking take a drive somewhere scenic to a Forrest area or nice beaches. And then I have a free birthday meal at a nice restaurant, so T and I can go out for a nice meal and only pay for 1. Which means we could have a really nice weekend, with fuel and meals out for $100ish 🌸💫
❌ The average borrower from 1995-96 still owes approximately $10,000 in principle and interest, about half of what was originally borrowed, 20 years after beginning college.⠀⠀⠀⠀⠀⠀⠀⠀⠀
❌ Student loan debt sits at $1.6 trillion, making it the second largest form of consumer debt trailing only mortgages.⠀⠀⠀⠀⠀⠀⠀⠀⠀
❌ 56.99% of graduates from non-profit 4-year and private colleges had student loan debt⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Student loan debt is STILL on the rise. Instead of debating how to decrease the current outstanding debt, we need to start teaching young people that student loan debt is not necessary for college. 𝐀 #𝐝𝐞𝐛𝐭𝐟𝐫𝐞𝐞𝐝𝐞𝐠𝐫𝐞𝐞 𝐈𝐒 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐞!
This week I am sharing one of my favorite interviews from the @plutusawards nominated Poppin’ with F.I.R.E. series 🔥🔥
= = =
In episode 3 of the Poppin’ with F.I.R.E. Series @jillianjohnsrud from Montana Money Adventures joins me for a very open and vulnerable conversation. Jillian shares how a difficult home environment pushed her to pursue Financial Independence at a very young age. #popcornfinance#financialindependence#firemovement
Part 2...groceries from @newworldnz was $61.53!
Heaps of specials this week...
Weetbix $5 each
Anchor cheese slices 2 for $5
Chocolate dairy food 12 pack for $5
The chicken tenderloins and chicken drumsticks are also on special but they had no double smoked drumsticks as they ran out of sauce so may go back and get some on the weekend 😁
5 283 hours ago
MINIMISING BEAUTY PRODUCTS 🧴
I am a HORRIBLE hoarder of beauty products - for some reason they always seem the hardest to part with. I think mostly because I feel I can’t donate them (as most have been open/used) + there’s a huge reality that I really have spent a lot of money on it these items! It just feels like such a huge waste. But you know what, it is! And it’s a wake up call. Why do I need 10 bottle of shampoo & conditioner? Why do I need 15 different tanning products? Why do I need 5 different night time moisturisers? Or 3297 lip balms?
The answer: I don’t. But consumerism tells me I do. When I see things on sale, or advertised online my brain automatically thinks “I NEED THIS!”. Reality? I don’t. But that’s how advertising works - it makes us believe we DO need these things.
A part of trying to minimise / be frugal is me going through the process recently of “decluttering” my beauty products I keep in my bedroom (pictured). I tossed out some items, stored some products that I’m yet to open away for later use, and organised which products I want to work on finishing up so I can get them out of my house! During this process I’ll be paying attention to what I use/how often and then once I have finished will completely minimise my skin/body care products to the absolute necessities. *This doesn’t include my makeup - that’s in another room & is going through the same process! 🤠
A few days ago a friend of mine said that he could not become vegan because it is too expensive. From personal experience, plant-based foods (beans, fruits, vegetables, and grains) are the cheapest items to buy. This picture is of my food bill for two people for just over one week. $59.87 AUD plus another $4 AUD for a loaf of bread (no receipt was provided). This is to make three meals a day for more than one week. The cost is around $1.52 AUD per person per meal. Some people spend more than $50 AUD on food in one day.
Pay a visit to local fruit and vegetable shops to find bargains, look for specials, subscribe to on-line food catalogues, and buy in bulk and share the expense with your family and friends. Turn saving money into a fun game. Then spend your money on experiences and things that you really want or dream of having. Delayed gratification is always much sweeter than instant satiation of your desires.
Twenty Earth Angel Lessons, Aurora Green is now available on Amazon.
He’s 16yrs old and I offered to match him dollar for dollar to educate/inspire debt free living ❤️ I’m so impressed that he’s managed to save this amount in about two months! That’s discipline!!! I’m also so excited to go through this process with him. I imagine the day he is a a car, he’ll be just as proud as I am of him
66 2,06110 August, 2019
The Elementary Education degree + decorator in me is having way too much fun setting up this little school area for my little girl. 😍❤️. If you’ve watched my stories this week you’ve seen how I’ve made this DIY chalkboard- I’ll save it in my story highlights and have a full blog post on it live tomorrow morning.
73 8169 August, 2019
The hardest part about personal finance is getting your mental right. It doesn’t matter how much money you make or how pretty your budget looks. You won’t make the best financial decisions just because you picked up a side hustle or opened up a bank account. You have to want, need, and understand why your doing what your doing. Without a strong financial mindset you will feel trapped in your financial situation. * Mental: this covers your emotions, your knowledge, and the determination to want to make your financial situation better. Without this consistent drive all of your income and actions will become pointless. You need a “why” that empowers you to get that side hustle or to actually budget. It has to make sense to you and naturally motivate you. Having the knowledge is nice, but not knowing how to make it work for you is the tricky part. Understanding that you have to give into the curiosity of how your finances work and move is key. * Income: you can make more or less money and it won’t matter if your financial mental isn’t there. You will only blow the money you do or don’t have instead of making wise financial decisions. You need to have an understanding of what your going to do with your money. That’s where your mental comes into play. * Action: physically budgeting, taking course, opening bank accounts isn’t the hard part. Telling yourself I’m got to do this on a consistent basis and I know why I’m doing this for. You have to maintain these actions with the will power to actually do them. Your mental has to push you to actually do the behaviors that will help you succeed financially.
Do you think managing your personal finance has more to do with your mental than your finances?
186 1,20015 August, 2019
This product uses the Instagram API but is not endorsed or certified by Instagram. All Instagram™ logos and trademarks displayed on this application are property of Instagram