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Gehalt bekommen ist wie die Periode: kommt einmal im Monat, hält 5 Tage und wenn es nicht pünktlich kommt, dann hat man ein Problem.😅 #brokeaf #jedesmal #bsertraum #leiderrealitt #meme #ti2 #temptationisland #tvnow #original @siriacampanozzi


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👉🏼I can relate Soo much to this, as I learned a lesson after quitting my first job : paid 401k early withdrawal fees and also paid taxes for that...used that money to pay bills and maybe bought some clothes too, but at the end it wasn't worth it. I could have chosen a different solution 👉🏼 Your 401k is for your retirement, thus a long term investment. 👉🏼The CARES act enables you to have an early withdrawal from your 401k without the usual 10% penalty (for Coronavirus related distributions) 👉🏼Before you withdraw your 401k, calculate your bare bones budget (or an basic budget covering your four walls: food, house, transportation, bills) estimate the budget for 3 months to see if you're able to cover your expenses. If you're able, maybe you could other loan alternatives. 👉🏼 Distributions are still subject to regular income tax. Nothing's free! 👉🏼If you really have to do it after searching for alternatives (I'm not judging) go for it and contact your provider. . ✅Share this 👉🏼 someone might need this info:. Check investopedia, Yahoo finance and business insider for more general info on 401k and also with your provider!! . Follow------------------- @economikat . . . #debtfreecommunity#401k#401kplan #debtfreejourney#moneytips#furloughed#furlough#laidoff#investingtips#caresact#quarantine2020 #investing#firecommunity#financialfeminist#retireearly#finlit#financialliteracy#zerobasedbudget #savemoneytips#millennialmoney#retirementplanning#howtomakemoneyfast #budgetingtips#moneymatters#brokeaf#quarantinediaries #budgeting#financialliteracymonth #millenialmoney


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When your #landlord gives #zerofucks that you havent worked in damn near a month and still have almost a month to go and the only money you scrape together here and there has gone to #food and shit you need at #home. Like wtf do expect from me? It's not like I'm CHOOSING to not work. I can't pay you with money I don't have my guy. YAAAYYYY good times good times....#stuckathome #cantwork #brokeaf #thissucks #landlord #tf #quaransucks #shutdown #unoreversecard ? #fml


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"A very small shift in direction can lead a very meaningful change in destination" ⁣ ⁣ ⁣ That quote is so powerful and so dang true!! The little steps, little habits, little choices they count! ⁣ ⁣ ⁣ So much of what he said is what I've been doing on my Money Journey for the last 4 years. Plus it's what I teach on The ReEducated Twenties Money Journey: Out of sight out of mind, the small things count, automation, turning everything to a system. ⁣ ⁣ ⁣ Have you read Atomic Habits, yet? What money habits are you trying to start today? ⁣ ⁣ Sidenote: I used my local libraries free audiobook program for this book so check there before Amazon! ( You pay for the library with your taxes).


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Before & after quarantine started. Thank you, COVID-19, for making me do way more shopping during this quarantine than I ever have... for clothes I can’t even wear out. . . . #thankscorona #momoneymoproblems


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Heres a clip of my newest video check it out


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Do what is best for YOU -- not what some bullshit social media post says. ⁠⠀ ⁠⠀ It's okay to not be okay. ⁠⠀ It's okay to run a mile a day.⁠⠀ It's okay to just survive. ⁠⠀ It's okay to pick up something new.⁠⠀ ⁠⠀ What's NOT okay is shaming people for how they're handling a collective traumatic event. Quote from Bryann Andreá Twitter account - thanks @thefrugalhoosier #debtfreecommunity #debtfreejourney #debtfree #debt #budget #budgeting #babysteps #daveramsey #savingmoney #finances #personalfinance #studentdebt #studentloans #gazelleintense #livelikenooneelse #frugal #brokeaf #money #frugalliving #veefrugalfox #coronavirus #covid19 #covid #rona #globalpandemic #pandemic #healthcrisis #mentalhealth #mentalhealthmatters


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One year ago this week, I put an offer in on my house. 😍 It seems like yesterday we were walking through it for the first time. . It still needs a lot of loving, but we have made a lot of great updates! (Like getting rid of the orange kitchen and chicken wallpaper! 😂) . . #nospendmonth #nospendchallenge #Nospendapril #savingmoney #emergencyfund #fullyfundedemergencyfund #transparentbudget #daveramsey #debtfree #debtfreemillennial #ditchingdebt #bartenderonabudget #budgetingbartender #brokeaf #babystep3 #babystepthree #millennialonabudget #2020savingsgoals #DFCbumpin #cashenvelopes


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Last Wednesday, I was crying my eyes out after losing my job.... This Wednesday, I laughed hysterically for the first time in a while…. This was my sons reaction when he found out it was a girl. We had to remind him, that he does actually get on with girls, especially his cousin, they are so close. Being pregnant during the lockdown has not been easy. It’s the little things you look forward to on the pregnancy journey like going for a scan, which is no longer exciting. I walked into the hospital alone feeling so sad and worried. as no kids or partners are allowed, I was hoping we could all find out the gender together, so asked the sonographer to write it down but unfortunately that wasn't allowed too so this is what happened when I told my son. Thankfully, baby is healthy (which is all that matters and to my disbelief it was a girl. Now I can get my tubes tied!


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When you're out of work and have to meal prep during quarantine . #quarentine #covid19 #coronavirus #stuckathome #broke #brokeaf #nojob #notworking #mealprep #funny #comedy


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2020 will be the year they said. It'll b fun they said. #quarantinediaries


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£15 food shop… . My partner popped into Aldi with a specific list of what we needed over the next 7 days.This actually came up to £14.08 but there was no flour. . I was reluctant to share, as I thought last week was a bit of a fluke however for the second week in a row we have managed to keep our shopping under £20. . Here’s afew key tips which has helped: ⭐Basic meals - No extras, no more salads or sides just the basic ingredients in our meals ⭐Inventory - Making meals based of items we already have, for example we already have some broccoli, carrots and rice at home so straight away, I think of a veggie stir fry! ⭐No Snacks - Bye bye Crisp, chocolates etc we are only buying a 30p pack of rich tea at the minute ⭐Bulking up meals - We have ate so much fruit and veg to bulk up our meals. For lunch I mix a bowl of oranges and appples and for dinner, we add peppers, onions and then dependant on the meal, veggies in too. ⭐Meat - Swapped chicken breast (Usually £5.50) for £1.50 chicken drumsticks and no mince, we ration out 3 per a meal and only have it a few times a week. ⭐Dilute - We dont usually drink pop or juice so spending just a pound a week on juice is a usually a good help. ⭐Aldi - Cant fault Aldi for their prices, I do struggle with toiletries etc but food wise, they are brilliant . Im mindful that we still have the odd ‘now called ‘luxury’ at home so we don't need to buy them at the minute, such as seasonings. Im also mindful that I was buying my maternity leave toiletries early which is one less thing to worry about. . As mentioned, we do still have the odd item at home such as veg and chopped tomatoes which aren't on this list, however even when we do need these items, it wont be much more as long as I hope ill be buying one item at a time. . Our bellies are full and we are still eating healthy, it just takes abit of planning but saves so much money.


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Over the course of the next few days, I plan to publish a “Break Down” of our loans, interest rates, and our updated plan of action due to COVID-19. I believe transparency is key in the debt free community!


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Never forget... We don't have to reach a certain weight or bank balance. Walk with your head held high.


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Major missing 💔 #brokeaf #gaming


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#karma #brokeaf 💔🖤


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👮🏻I purposely grabbed a case of @corona to support their business! 👮🏻 👮🏻 👮🏻Cheers! What are you drinking tonight? 👮🏻 👮🏻 #dfc #ynab #ynabcommunity #debtsucks #creditcards #daveramsey #thinblueline #zbb #brokeaf #budget #dfj #youneedabudget #beer #gazelleintense #coronavirus #quarantine #sixfigureclub #sixfiguredebt #drinkup #debtfreecommunity #daveramseyplan #debt #debtfreeaf #police #jokes


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DAMN BOI HE THICC 🥴


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So I found out my rim was bent did this little trick where to stick a flat head close to the edge of the rim, spin the rim and see if it moves the flat head. Not surprise I knew my rims were bent, well as expected buying used 🤦‍♂️😣 . . _____________________________________ #problem #370zlife #vqnation #enkeirpf1 #bentrim . . #fairladyz #enkeiwheels #flathead #carproblems #brokeaf . . #madeinjapan🇯🇵 #nissan370z #redonred #yellow #hypersilver


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Bring back all the good times plz & thanks. 💖🤩🥳🦄✨🍻🎉🎊 I’m so sick of being in the house.☹️🖕🏽😡 #bored #nojob #no$ #brokeaf oh yeah ,,, plus I miss my baby kea!!!🥺💕


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If you can’t tell, I love lots of volume in my hair. Flat hair just does not fit my “messy” vibe, ya know? I spent the past couple months using this new @gsqbyglamsquad Volumizing Shampoo and Conditioner. First of all, it did not disappoint. But let’s get into the details. + SO AFFORDABLE. Each bottle is only $8.99. You can snag these at CVS + the volume is legit. I loathe when my hair is flat. This one did not disappoint. The conditioner also prevents dryness and breakage which has always been a battle with my hair. + the peppermint scent. This was the freshest, and quite possibly my favorite, smelling shampoo and conditioner I’ve ever used. + the aesthetic.. obviously this is not the reason to buy a product but I just wanted to add... I dig these bottles so much GSQ by GLAMSQUAD has a couple other ones to try and I will definitely try the others to see if they are just as good. Let me know if you’ve tried any of their products and which ones I need.


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$252 later and I have a new setup. If you missed my stories yesterday, I dropped my Mac and shattered the screen. *breakdown ensues* My Mac is my livelihood... so as you can imagine, it was not a good day. Joe thought of hooking it up to a different monitor with a Bluetooth keyboard. GENIUS. This quick fix was less than $300 and keeps me working when i need to the most. We got a new monitor, Bluetooth keyboard, HDMI apple adapter and a monitor stand. The estimate for fixing the screen is over $800 and no one is actually handling computers right now, so I’ll take this set up. Thank god for emergency funds and smart partners.


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Mr. Olie decided that he needed a $356 vet visit yesterday. He will most likely be okay, but we are waiting for this medication to kick in and get him eating more. . . We paid the vet a good amount of money to tell us what’s wrong, so I won’t go into too many details about it. But ultimately we just noticed that he wasn’t really eating much and he was a little lethargic. . . I am sharing, because this month has been crazy. 3 weeks ago, I found out that I was unemployed. Restaurants have always had a high job security in my mind. If something happened at my restaurant, it wouldn’t be that hard to go to another restaurant with the skills and work ethic that I have. But these unprecedented times have proven that no job is 100% secure. People in all kinds of fields and areas of the countries are losing their jobs. . . I am beyond thankful for working on building two side hustles for the last 3 years to fall back on and pay the bills during this chaos. Because my side hustles paid for that vet visit yesterday. . . #nospendmonth #nospendchallenge #Nospendapril #savingmoney #emergencyfund #fullyfundedemergencyfund #transparentbudget #daveramsey #debtfree #debtfreemillennial #ditchingdebt #bartenderonabudget #budgetingbartender #brokeaf #babystep3 #babystepthree #millennialonabudget #2020savingsgoals #DFCbumpin #cashenvelopes


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Social media can be an amazing tool if used correctly. Be mindful of who you follow 🤗


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👨🏻‍🎓Update: Our Student Loans are in Forbearance👨🏻‍🎓 As many of you know, the US Government is granting forbearance on student loans, if the loans are federally insured. If you qualify, your student loans will temporarily have a 0% interest rate, and you will not be required to make payments until September 30, 2020. We were able to find all the information we needed on our lender’s website. Please connect with your provider to find out more information regarding your loans. For us, my husbands MBA student loan sits at $4,237.37 at 0%, with no required payments until November 2020. As much as I want to take advantage of interest free payments and pay off this loan, I think adding to our emergency fund is more beneficial at this time.


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Morning coffee, sure isn't doing anything for me today! #sexworkiswork #brokeAF #workingoncontent


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Do they give 3-4 months extension on the $1000 fines ? #brokeAF #covid #covid19 #beastmodeonthecouch #marshawnlynch #lynch dontgetfined #2020sucks


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Työpäivä pulkassa.. kolme vapaata edessä ☀️ #nurse #hoitsu #keepcalmimanurse #brokeaf


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Protection… Everyone has different commitments, preferences and faces different challenges. Therefore, I feel this is only a question you can answer yourself as it would be different for everyone. Some people may have 3 kids and may need a bigger emergency fund than maybe a person who is single. Or maybe some people own a house and there is more at risk than a person who rents. It can vary. However the last week have taught me 3 key things to consider if I would like to protect myself from future financial difficulty. Emergency Fund - How long would you like to know your bills are covered for? Low Bill Payments - Less bills to pay means less money to find in a time of hardship! Multiple Income Streams - Do you have a skill or a passion you can package up and sell? Its a long journey and is something that will always need reevaluating as we face changes in our life.


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Happy birthday to me 🍰 🎁 🎂 #quarantinediaries#brokeaf#nocelebration


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💈Barbers charging $75 a cut out here✂️😩 Im getting mine by any means tho✌️🏃#quarantine #clean #brokeaf


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So far my days include online shopping, cooking and school work #shoppingspree #bakersofinstagram #boredinthehouse #brokeaf


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Right now my lab hours have shifted from on-site to at home. As an IVF office, we submit to an entity called SART and I am one of the few people are able to complete the lab portion. (Definitely a skill I learned and is now paying off! 🤓). Next week is still completely up in the air 😭


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#santorini #brokeaf


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I took zero based budgeting very seriously. Knowing the upcoming check is my last full paycheck, I paid just minimums on my debt and stocked up on foods and some necessary goods so I don’t have to worry about basics for a bit. I have a checking buffer, but this is what I have left of my current budget. #daveramseybabysteps #daveramsey #everydollarbudget #financialfreedom #onabudget #debtisstupid #debtfree #gazelleintense #sidehustles #snowball #dfj #dfc #babystep2 #villianizeyourdebt #debtfreecommunity #debtsucks #fixmedaveramsey #debt #savings #interest #nospendchallenge #brokeaf  #debtfreejourney #debtsnowball #budgeting #budgetplanner #zerobasedbudget #savingmoney


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@fixedonvinyl comes through again for Scarlett Thunder. 🚗😂 Getting ready for my road trip out east! #travelnurse


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I realized I referred to our tax return a few times, and thought I’d share our numbers. $2000 from the state were actually the Student Loan Tax Credit that Maryland has started offering. We got $1000 per person. The application goes live again in July, and we most definitely will be applying again! No guarantee we will get the same amount, but whatever we get will be useful! When we file next year, we will be adding a dependent, so I’m interested to see how these numbers change. Lastly, hoping to figure out what we need to have withheld so we can get our money during the year versus waiting on a return. • • #debtfreecommunity #debtfreejourney #debtfreedom #debtsnowball #debtfreeliving #financialfreedom #debtfreegoals #debtfreefamily #studentloandebt #zerobasedbudget #debtsucks #daveramseybabysteps #gazelleintense #brokeaf #debtisstupid #generationalwealth #breakinggenerationalcurses #wewillbedebtfree #claimingit #firstgeneration #firstgenerationcollegestudent #daveramsey #babysteps #babystep2 #sixfiguredebt


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Next Steps… I don't like to plan too far ahead but just wondering what you guys think? Once I’m back on my feet, I really want to make sure I have a few months worth of bills saved. This will be roughly £4500 but it will take a while to achieve. Do I put debt on the back burner and focus on savings? Do I split my usual £400 payment 50/50 savings & debt? Or do I carry on and focus on debt payments with little savings? (I’ll be honest this isn't my favourite) What split would you do?


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Damn it sure feels good to be a gangsta! For my herbivores, garlicky kale and veggie burger wrap. How many times have you gone out to eat and ordered a sandwich that sounds perfectly delicious from the menu description but comes out tasting like garbage? And you ask yourself how hard can it be to make a good vegetarian sandwich? The answer, it’s not. #homecooking #brokeaf


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👮🏻A few years ago we had a guy file a report for his credit card being stolen. The detective ended up getting video of the guy using the card. He finally caved and said that he didn’t want to tell his wife how much money he had spent so he lied about it being stolen 🤣 👮🏻 👮🏻 👮🏻 👮🏻 👮🏻 #dfc #ynab #ynabcommunity #debtsucks #creditcards #daveramsey #thinblueline #zbb #brokeaf #budget #dfj #youneedabudget #liar #gazelleintense #coronavirus #quarantine #sixfigureclub #sixfiguredebt #busted #debtfreecommunity #daveramseyplan #debt #debtfreeaf #police #jokes


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Not really what I needed to hear right now. . . . . . #brokenarm #brokeaf #ugh #surgery #fml #thissucks


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Here is my new budget...How bare does this look! . Since my income has changed, Im not quite sure how much just yet.  One of the first things I did, is reevaluated my budget. . It is a harsh reality to accept I can no longer can afford the lifestyle I may have had before however this is temporary and is much more easier to deal with than keeping items I dont need. . There are 3 key factors: ⭐Essentials - I have removed all the wants and kept absolute essentials. This means, I will continue paying for my Rent, Council and Energy etc however I have cancelled the likes of Spotify and Audible. ⭐Important bills - Despite facing an incredibly low income, I will continue to keep bills such as Life Insurance and Contents insurance as anything can happen. ⭐Spending - Obviously I will still need to spend on Groceries and Petrol however I am keeping this to the absolute minimum. We have some how managed to get our grocery shop to £20 a week. It may be because we still have abit of food left over and we will need to reevaluate in the future, however for now we are halfing our grocery budget . Conducting this exercise, was pretty sad but I know its a temporary measure until I back on my feet. Im also super happy that I recognise the difference between a need and a want, therefore I find it easier to cancel what is not required. . If your income was to drop tomorrow, whats the first bill you would cancel?


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💰 Who else is feeling this? 😆 Dying to make AC stuff! Who would be interested in getting a pin of this? Let me know in the comments! 💰💸 EDIT: I'm aware of the times we're all going through so these wouldn't be made any time soon 😅 This is only an interest check to see if they would be made at all! . . My new store is still set to launch THIS FRIDAY, April 10! Keep an eye out! . . #enamelpins #enamelpin #lapelpins #lapelpin #pins #pinspiration #pinstagram #pincommunity #pinspinspins #pindesign #design #myart #digitalart #animalcrossing #animalcrossingnewhorizons #acnh #money #broke #brokeaf #kawaii #lol


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Me holding on to my money for dear life during COVID 😂


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I did this once during my uni days with $3000 in CLOTHES and MAKE UP. 🤦🏽‍♀️😂😭 I did stupid. I acknowledge said stupid. I will teach my kids not to be as stupid. Good lesson learnt from being stupid. This level of stupid is no longer an issue.


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Hello Monday... A new week, I wonder what will happen this week? I worked hard all Friday to get to a good position to start a fresh this week. Sometimes I cannot believe the position I'm in. I purposely waited 7 years to fall pregnant as it was "never the right time". Just as I did, this happens... I'm pregnant during a World wide crisis and I can't do anything to bring an income in. Almost all the jobs are on pause right now and then I face the dilemma of applying for perm jobs knowing I will be on maternity leave in 4 months and question whether I should risk working in public places when this virus is going around. Yesterday, my pops said to me "Make sure this brings out the best in you, don't let it bring you down and use it as fuel to make you a better person". I most definitely will, I don't know how but I'm going to build streams of income. I'm going to turn my passion of Instagram, YouTube, Excel and Finance into streams of income so one person doesn't have the power to turn my life upside down again. Yep I'm going to be on benefits now but I will be a business owner soon. It's just a matter of time.


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Home Fitness - Week 3 of Isolation .. Targeting Legs & Bum #morningworkout #sunshine #easter #homefitness #brokeAF #gymshark66 #gymsharktrain #woman #gains


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I’ve got 3 T-shirt designs up for sale via @everpresshq 🖤 Take a closer look at the options on my profile & links in my Bio 🧀 ✌️#freelanceartist #brokeAF #forreal #MaxMalone #CollageArtist #Brunswick Melbourne


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You cannot turn an abusive, pathological lying, self-centred, deadbeat into a responsible parent. Imagine being a deceitful, serial cheating, lying, cocaine addicted sociopath piece of garbage who has a criminal record the length of your arm and too many arrests for domestic violence to count. Imagine being a self-centred immoral scumbag who didn’t have shit when he got married and couldn’t even use outlook let alone string together professional toned correspondence, who then thought he was someone when the business began making money .....then began an extramarital affair with a prostitute (couldn’t find anyone quality), and premeditated a plan with the Hooker to hide assets in the divorce to financially defraud me his own children. Then Imagine the money hungry gold digging broke AF prostitute skank had been taking your marital funds for over a year and then knowingly committed fraud to help your abuser to try to hide his purchase of a $2.43 million dollar house (purchased with your marital funds), which the sociopath tried to hide in the hooker’s name. Then imagine that this Hooker gets arrested & charged with fraud, obtaining money by deception and falsification of documentation. And instead of telling the truth, the sociopath lets the Hooker take all the fall for the criminal charges (after which will come a civil suit against the hooker).....sounds like true love doesn’t it 😂🙈 THIS IS EXACTLY WHAT THE ABUSIVE SOCIOPATH DEADBEAT I WAS MARRIED TO FOR 10YRS DID (& a Hooker thought she would take what I worked for for 11years 🙈-OVER MY F**KN DEAD BODY). Narcissists can’t develop the ability to empathise with others, they can never learn to love. Unfortunately, this doesn’t change when narcissists have children. The narcissist’s only priority is & always will be, their own self-interest. Narcissists do not change. #sociopath #narcissist #toxicpeople #narcissisticabuse #emotionalabuse #financialabuse #childsupport #domesticviolence #deception #manipulation #gaslighting #deadbeatdads #coward #betrayal #liar #cheater #affair #prostitute #brokeaf #golddigger #thief #immoral #skank #truthbetold💯 #abusive #dysfunctional #disrespectful #insecure #vindictive #scumbag


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Alright, y'all. Got a new YouTube channel, because... I'm stuck at home and I wanted something new to pour my energy into. Finance on the Fly is a low edited, quick tip finance channel. It doesn't matter where you are in life, what your income is or how experienced you are with money -- I can help ya out! Info you can take with you on the daily! Money tips, tricks, hacks and advice all in under 10 minutes. Kaboom. Hope ya like it! 🔗 in bio!⁠⠀ ⁠⠀ I just went for it - because the best way to overcome your fears is to just dooo itttt. ⁠#smashthatlikeandsubscribe⁠⠀ ⁠⠀ ⁠⠀ #debtfreecommunity #debtfreejourney #debtfree #debt #loans #Budget #babysteps #daveramsey #savingmoney #finances #personalfinance #studentdebt #studentloans #gazelleintense #llnoe #frugal #brokeaf #moneygoals #budgeting #veefrugalfox #blogger #YouTube #moneytips #youtubber #money #dfc #financeyoutube


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