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Control Your Consumption and Spending Habits. Your current spending habits could possibly prevent you from enjoying those future goals. What are your goals? Traveling & Exploring the world? Making a generational impact? The result from living way above your means today would run you into debt thereby limiting the possibilities of creating future wealth. *** #TherichAfrican #PersonalFinance #DebtFree #BakeYourDough #DebtfreeCommunity #Budgeting #Buildwealth #TherichAfrican #RichAfrican #FinancialFreedom #DaveRamsey #MoneyMatters #DebtfreeJourney #moneymanagement #money #financialliteracy #BuildWealth #Goals #PayYourselfFirst #Invest #BabySteps #FinancialPeace #GeorgeClason #TheRichestManInBabylon #PayYourselfFirst #PayYourself #Budget #YNABcommunity #YNAB #Invest


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Posted this one in my story the other day 😮⁠⠀ Just think about that before you go out this weekend! Budgeting money is hard, wasting money is easy. The choice is yours. 😱⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ .⁠⠀ #everydollar #studentloans #mortgage #mortgagefreewannabe #debtfree2020 #debtfreecommunity #debtfreelifestyle #collegegrad #cardebt #carnote #gazelleintense #financialfreedom #moneymanagement #financialcoaching #savingmoney #everydollarhasajob #zerobasedbudget #livelikenooneelse #millenial #millenialmoney #budgeting #saving #debt #payments #inspiration #motivation #bossbabe #winning #beweird #money


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{True story} I was mortified. Luckily a colleague laughed and said ‘they’re one and the same don’t worry!’ A home funding cut can be pretty tough too (whatever the reason). I’m loving all the Insta ideas, tips and hacks out there to make the most of what you’ve got 🙌 #scrimp #scrimping #budget #budgeting #frugal #frugaltips #frugallife #nospend #oops #truestory #whoops #fundingcuts


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Lots of #targetclearance finds last night! Brought home those cozy Sherpa blankets for $5.10 #hiddenclearance a shaker/blender bottle for $3.48, and men’s shoes for the hubs for $11.98!!! . . . . . . . . #clearancefinds #clearance #clearancehunter #dealfinderfamily #dealfinder #targetdealfinder #😍 #moneysaver #deals #budgeting #mensfashion #mensshoes #blankets #cozy #exercise #hydration


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Good Morning ☀️ & Happy Saturday❗️ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ This morning I am working on my February budgets and counting the remaining cash in my envelopes❗️It’s raining in Philly today so it’s a perfect day for budgeting❗️I still have one more week to go until I get paid again. Below is what I currently have left in my envelopes 🤗 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Budget/ Remaining Balance ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ✨Groceries- $100/ $25 ✨Fun- $100/ $50 ✨Beauty- $10/ $8 ✨Gas- $40/ $40 ✨Flex- $20/ $20 ✨Dogs- $50 / $50 ✨ Photo Shoot- $100/ $40 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ I plan on spending some of my Flex, Beauty, & Dog money today❗️ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ How are you doing with your cash envelopes this pay period❓ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ #cashenvelopes #sinkingfunds #budgeting #daveramsey #moneymoves #milliondollarmindset #debtisdumb #budgetplanner #daveramseybabysteps #budgetqueens #finance #everythingfit #debtfreecommunity #entrepreneurs #coaches #budgets #fixmyfunds #budgetbetter #millenialtips #studentloansucks #cashisking #dumpdebt #money #dollars #frugal #frugalliving #iwantmoney #brokeaf #faithoverfear


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PRIORITIES FOR MY BUDGET 1.) EXPERIENCES - I love live shows, concerts, festivals. When it fits in the budget, I want to go. 2.) TRAVEL - Getting away is good for mind, body, spirit. I think staying cooped up during a multi-year debt free journey is unhealthy. 3.) “GOOD” FOOD - I’ll pay a little more for higher quality. 4.) HEALTH CARE - That also goes into higher quality food. I’m fortunate to have insurance but I’ll also spend the money on exercise, healthy food, and anything I may need to live my best, healthiest life. 5.) COMFORT - I’ll keep the heat or AC going. I may take a slightly longer hot shower. I’d rather pay a few extra dollars than shiver while wearing three sweaters. #debtfreecommunity #debtfreejourney #budgeting #budget #budgetlife


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With only a week left in the month, we did a “temperature check” last night. We have put a over $3500 towards debt. My husband and I both got paid this week. We have 3 more January bills to come out this month, my regular car payment, cell phone bill, and car insurance. We have done good with our No Spend January, only eating out 4 times this month, totaling only $84- which is a huge huge improvement from 2019! We still have two budgeted expenses left; one date night (that we will probably cash in tonight- pregnancy craving - I want BBQ so bad!) and my manicure appointment next week. I am very satisfied with 2020 so far. I’m not going to lie, I’m so excited for my car payment to come out tomorrow to see that number drop below $15K and our overall debt drop to below $23K!! #debt #debtfreejourney #debtfreecommunity #daveramsey #gazelleintense #daveramseybabysteps #budgeting #becomingdebtfree #babystep2 #cashisking #debtisdumb #tiredofdebt #livelikenooneelse


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Still January...and I have already made it to level two on my plasma donation goal! $265 donated so far! . . . #debtfreecommunity #debtfreejourney #moneymatters #pennypincher #daveramsey #budgeting #moneytips #frugalliving #sidehustle


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LinkedIn: Hire me for my skills and experience and pay me more money. Facebook: Recommendations for budget friendly things to do on vacation? Instagram: feeling fab. counting coins. #freewinetasting ⠀⠀ Tinder: listen if y’all don’t stop lying about the offer to become your sugar baby in my IG comments Imma have to go to Tinder to pay this debt off.


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I am spending my Saturday working on re-branding my business, re-designing my website, and filling out my budget planner with the help of my 4-legged side kick.😉🐕 •What would you like to see from me in 2020? (More promos, mini-sessions, photographing you and your family, etc.) Tell me in the comments! 👇 *For those of you who are budget planners! 💰🏷 This is my first time- what are some tips & tricks you use to plan and stay within your budget each month?!* #midwestphotographer #budgetplanning #rebranding #photographer #photography #wixsites #webdesign #portfoliobuilding #nikonusa #macbookpro2019 #adobe #sendhelp #2020goals #budgeting #sendtips


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@financialmodelingprep API Documentation helps to query for all information about finance summary, stocks, quotes, movers, etc., as on the official website. It's simple to use and provides updated data. Visit our website to give it a try now. #cashflow #entrepreneur #money #business #realestate #success #wealth #financialfreedom #investing #realestateinvestor #cash #motivation #passiveincome #investment #finance #realestateinvesting #smallbusiness #investor #invest #investmentproperty #financialplanning #millionaire #rich #businessowner #accounting #entrepreneurship #billionaire #budgeting #realestateinvestment


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File your taxes with a Tax Expert at LSM CPA. We specialize in Tax Savings for Small Businesses and Self Employed Individuals❗️❗️Call us at 305-330-4713 or book your appointment at https://lsmcpa.as.me/aschedule.php #personalfinance #personalfinances #cpa #accounting #taxreform #payroll #consulting #financialplanning #personalfinance #budgeting #businessconsulting #bookkeeping #consultant #advisors #finances #followme #tax #taxes #taxseason #taxtime #taxreturn #taxrefund #trumptaxes #business #businesswoman #businessman #businessowner #smallbusiness #smallbudinessowner #socialmediaforbusiness


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A look at my “nonessential spending” using my @cloth_and_paper budget inserts. I set the goal of 15 no spend days for January and I have passed that 🙌🏻♥️ I’m educating myself on finances and tracking everything is so essential to me. Code for @cloth_and_paper is ARENTHIA10


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✨Small steps over time lead to big results! Pick one or do all five but do something today that improves your finances. - 👉Here are five things you can do today that WILL improve your financial situation. - 💵Create a zero-based budget using the FREE version of the @everydollar budgeting app. A budget tells you where your money is going and is a valuable tool to help you recognize areas where you are overspending. - 🛑Cancel monthly subscriptions and memberships that you don't use or need. If you go to the gym every day, then don't cancel your gym membership, but if it's been months (or longer) since you've gone, then it's time to cut the cord and cancel it. The same goes for Audible, cable, Spotify, and all your other monthly subscriptions. - 🥘Most likely, your food budget is the biggest category where you can save money. Taking time on a Saturday or Sunday to meal plan and prep means you don't spend money eating out during the week. - 🧾Return impulse purchases you have made this week or month. Did you purchase clothes from your favorite store or make a one-click Amazon purchase, unless the item was a necessity, return it and get that money back into your budget. - 💵It's very likely you have items in your home that can make you extra money. Posting on FB Marketplace is just one of many ways to sell things you no longer need or use. Posting five things today can mean extra money to put in your emergency fund, pay down your debt, or invest it. - 👉So tell me, what action are you taking TODAY to improve your finances? - Follow @pomlifeandfinances for motivation and inspiration on your #debtfreejourney - - - - - #budget #budgeting #sidehustle #babysteps #emergencyfund #daveramsey #daveramseybabysteps #financialliteracy #personalfinances #finances #debt #debtsucks #babystep2 #debtpayoff #debtfreegoals #debtfreecommunity #dfc #fpu #financialpeace #financialpeaceuniversity #cashisking #zerobasedbudget #budgetips #everydollar #debtsnowball #debtisdumb #totalmoneymakeover


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Who else is staying in this weekend? 🙌⁠ ⁠ #humor #weekendplans #budgeting


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I am so excited! I missed the launch of @thebudgetmom's Budget by Paycheck workbook printed version so I purchased the printable version on her website and had it printed by one of her recommended printers. I am so happy with it. It came out beautiful! Thank you Miko for creating this. I am getting ready to dig in right now! Happy Budgeting! #budget #budgeting #cashenvelopes #cashenvelopesystem #plannerlife #planner #planneraddict


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⁣So the last picture is only very brief partial email chain I was having with my husband in 2008 (ex now). It was one of those cluster fuck moments were he had gone to Las Vegas and gambled away almost $3000; while I had a knee injury and booked physio etc; plus managed to get in a car accident that took off the side mirror of the vehicle; and the computer crashed all in one month! ⠀ ⠀ ⠀ Did I feel like I was over spending? at the time no but hindsight we both were...... Should we have sat down like two loving adults and talked it out and come up with a plan on where and how to spend our cash and address the cash flow problems? Yes we should have. ⠀ ⠀ ⠀ Instead I.got.an.email. from him berated me and telling me how he has worked too hard to spend his money on me aka us. (Reminder on how i couldnt be mad about the 3k gambling loss) ⠀ ⠀ ⠀ At this time I believe I was making maybe 50k a year, but no kids and he was making 120k - but we had no budget! and we were carrying two homes (couldn’t sell one) and a bunch of consumer debt..... but a minor car accident, and a guys trip to Vegas should not have made us broke. Long story short: respectful communication!!!!! ⠀ ⠀ ⠀ Were we able to talk about money and things that were coming up in the budget or long-term goals - that would be a hell no!!!! ⠀ ⠀ ⠀ If you’re ever in a situation where you don’t feel comfortable talking about money because you don’t want to start a fight well then that’s a sign! ⠀ ⠀ ⠀ "Your life is measured by the number of uncomfortable conversations you’re willing to have!" ⠀ ⠀ ⠀ #budgeting#debtfreecommunity #debtfreejourney #singlemom #money #relationshipgoals #dontsendanemailtoyourwife


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Broke people ALWAYS...HAVE... THE...ANSWERS!!! 😂😑 Wait timeout... the *slow quote motion with hands* "AN...SWERS." ▪ How do they know so much, but yet so little at the SAME👏🏿 DAMN👏🏿 TIME!!! ▪ Find the people who are 1) doing what you're trying to do or 2) have already DONE what you're trying to do. ▪ Broke person, if you got all the answers, then why are you still broke and struggling?! You know I can see you, right?? ▪ LOOK, if you're trying to be the first millionaire in your family, don't talk to your parents who don't even know they aren't going to leave you with any assets when they depart this Earth. If you're trying to be the first person in your circle to make 6 figures, stop talking to your homeboy/girl who keeps getting laid off and is barely scraping by. THEY CAN'T HELP YOU. You can love them with all your heart ❤...but from over there where you have a plan AND real support AND where you can mind your business and execute your plan for success, wealth, and happiness. ▪ Be careful who you are listening to, because people only know what they know and you might end up in the same leaky ass boat with them. #debtfreeliving #debtfreelife #debtfreecommunity #debtfreejourney #mindingmybusiness #networth #budget #budgeting #family #friends #wealthbuilding #wealthy #wealthbuilding #generationalwealth #investing #investor #investment #financialwellness #financialwellbeing #financialindependence #financialfreedom


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When you’re in the middle of reading a good book and suddenly the desire to write out a budget hits you. What are you going to do?! Write it in a library book, of course!! #librarylife #librarybook #budgeting


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Good morning budget besties! Happy Saturday! I am up today thinking about my 3 year plan *only because I’ll be 27 this year and things need to be done by 30* lol. I want to introduce to you my baby step of saving change! I never spend change or add change to my hill. Only because I like saving it. I got this super cute box from Family Dollar YEARS AGO. I am hoping to get one of the cute ones from Michaels today *wink wink hubby* anywho today will be a full day of planning the future! How’s your weekend looking? #debtfree #debtfree2020 #debtfreecommunity #snowballmethod #daveramsey #envelopechallenge #5dollarchallenge #thebudgetmom #thebudgetsistas #savings #financialfreedom #financialfreedom2020 #changechallenge #52weekchallenge #budget #budgeting #cashenvelopes #debtfreejourney #debtfreegoals #savemoney #savings #saving2020 #money #moneychallenge #livingdebtfree #savemoney2020 #financiallyfree #financialfun #easylife #debtfreelife


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Happy Saturday! In the spirit of continuing to add value to the community. Not bragging or advertising. Over the summer I went grocery shopping with my Mom to Costco. They used to take me for $300-$400 per trip. But now,I really try invest money in items that will last for us. My Mom has a membership and it’s so great she is willing to help us on this journey. Got these dryer sheets. Not only they smell AMAZING, we still have them, they have lasted 7 months so far and still have half a pack left. We are family of 4 and do at lest 6 loads of laundry per week. #worthifinvesting#frozenmeals#planningmeals#foodprep#budgetmeals#budgeting #budgetgoals #debtfreecommunity #debtfreejourney #mealplanning #mealsonabudget #gazelleintense #babystep2 #babysteps #financialindependence #financialpeace #financialgoals #daveramseybabysteps #settinggoals #kidsandmoney #spendingwisely #familyfirst #winningwithmoney#envelopesystem #sinkingfunds #cashisking👑 #firecommunity


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Think about this statement for a little while.. —————— As the weekend starts put yourself in the position to make a better you. If your are not being proactive then the right “opportunity” will never come to you. Be at the right place at the right time. Strive for greatness this weekend. . . . . .. .. #strivefactory #finance #lifestyle #community #flipping #studentloans #millennials #Fintech #Budgeting #entrepreneur #sidehustle #Money #wealth #College #forbes #wanderlust #digital #bosslife #Career #sidegig #hustle #blogger #hustlehard #Invest #motivation #debt #digitalnomad #fliplife #retailarbitrage #garyveechallenge


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Up and early this morning ☀️ We got #free donuts and coffee at 7:30 🍩, prepped and got everything ready to do our taxes, made @costco and @krogerco lists, started our February budget and played with the pups 🐶 . It’s a stock up grocery day for us, but thanks to the @thebudgetmom we learned how to budget and save for shops like today 🙌🏼 . . #saturday #productive #budgeting #essentialoils #cleaneating #budget #daveramseybabysteps #babystep3 #youngliving #costco #kroger #costcofinds #blog #financialfreedom #finance #farmhouse #beauty #farmhousedecor #lifestyle #momtobe #22weeks #bumpdate #bumpstyle #dogmom #fashionblogger #organization #naturalcleaningproducts #grovecollaborative #organic


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Why or why not? What tips or tricks have you used to stick to the plan? Have you had any slip ups along the way? Share your experience of #NoSpendJanuary in the comments below. #lgg #lazygirlgoals #nospendchallenge #resolutions #budgeting #budget #frugal #savingmoney #nospendjanuary #nospendmonth #thrifty #dfc #debtfreecommunity #debtfreejourney


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>>$600.00>> that’s how much extra income I’ve made this month 💵 Like @daveramsey says, put your pride aside when taking on extra jobs. 💫 Because when I flash forward to when I will be debt free. It will all be worth it. Is it tiring and exhausting? Oh yeah. The last thing I want to do on the weekends or days off or evenings after my full time job is do more work! But it’s a humbling, humbling thing. I got myself into this position and now it’s my responsibility to get myself out. I am very blessed that I am capable of working these extra side jobs. All of this is a blessing and a lesson and it’s teaching me perseverance and showing me that it’s okay to push yourself. It’s okay to be exhausted. Because my WHY for becoming debt free is so much greater then the sacrifices now. 🌿🤍 • . . . . . #financialpeace #debtsnowball #debtfreedom #debtisdumb #financialfreedom #savings #babysteps #debtfreecommunity #financialindependence #debtfree #budgeting #financialliteracy #personalfinance #daveramsey #financegoals #debtfreelife #debtfreejourney #frugalliving #budgetlife #debt #frugal #livelikenooneelse #budget #debtfreeliving #savingmoney #daveramseybabysteps #debtfreegoals #wealthbuilding #budgetbypaycheck #thebudgetmom


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Here it is! Our monthly budget 🙈. If you're new here, our general plan of attack is: . . 1. Max 401k 2. Max Roth IRA 3. Pay down mortgage . . After a couple years I would like to back off the mortgage a bit (as our extra payments will have less impact over time) and increase investment savings. . . Any questions? Ask away! . . #fire #firecommunity #firemovement #retireearly #earlyretirement #budgeting #homeowner #mortgagepayoff #mortgagedebt #mortgagefreewannabe #babystep6 #bs6 #daveramseybabysteps #savingsrate #savingforretirement #debtfree #debtfreecommunity #financialindependence #investing #monthlybudget #personalfinance #budget #planner #singleincome #oneincomefamily #sahm


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One of the best things about digital planning is not having to spend money on sticker books, I would spend so much money every time I went to Michael or Hobby Lobby, and now I can even add the iPhone stickers to my planner. I use the #magiceraser app to create PNG picture of the screenshot I had previously done. Here's a little tutorial on how to create those cute little stickers for your digital planner . . . . . . . . . #dailyspread#memoji#debtfreecommunity#debtfree#budgeting#thebudgetmom#planneraddict#plannercommunity#digitalplanwithme#digitalplanning#digitalplanner#planneraddict#ipadpro#ipadplanner#goodnotesplanner#goodnotesapp#emmastudies#plannergirl#etsyshop#etsyplanner#etsysticker#erincondren#thecclworld#plannernerd#plannerspread#dailyplanner#planner#dailymotivation#plannerstickers #etsystickers


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I have to go inside the mall today to return something...... gonna need blinders. #debtsnowball #debtfree #debtfreejourney #debtfreecommunity #budgeting #blinders #planning #mall #noshoppingforme


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