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I did it, walked as fast as I could to the cash point at 5am to get my cash out so that I could get stuffing because I’m impatient🙈😂 Saw one other person, and I was convinced he was gonna rob me😂 #budget #budgeter #budgetuk #budgeting #budgetplanner #budgetinguk #cashenvelopesystem #cashenvelopes #cashenvelopestuffing #cash #money #moneygoals #sinkingfunds #savingsgoals #savingsaccount #filofaxsaffiano #filofaxsaffianozip


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The scenic Marble Mountains of Da Nang, Vietnam. The Marble Mountains are a cluster of five hills made from limestone and marble. It's also a well-known pilgrimage site with peaks, caves, tunnels and temples. ➖➖➖➖➖➖➖➖➖➖🇻🇳➖➖➖➖➖➖➖➖ #snapseededit #architecturephotography #worldofpalaces #vietnam #travelphotography #architecturelovers #vietnamtravel #oneplus7t #onepluslife #indiantraveller #mobilephotography #vietnamtourism #vietnamairlines #travelmagazine @amazinginvietnam #travelblogger #travellingourplanet #solotraveler #budgetplanner #travel #destination #traveltoasia #southvietnam #beachlife #beachside #danangcity #danangtrip #marblemountains #travelaroundtheworld #marblemountain


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Hotel name: Grill Daddy Cafe Landmark: Back to Bharath Petrol pump Contact number: 063606 36525 Grilled Cottage Cheese Rice Bowl - Rs 180 Spicy Grilled Shrimp Burger - Rs 230 Website: http://grilldaddy.in Veg/Nonveg: ♥️ #GluttonNomads👫 #foodporn #foodstagram #gluttons #gluttonforpunishment #travel #travelphotography #restaurant #streetfood #streetfoodindia #bangalore #nature #naturephotography #indianfood #wanderlust #budgetplanner #travelguide #friends #discover #trekking #memories #friendshipgoals #nammabangalore #weekends #karnatakafood #eatinbangalore #grilldaddy #grilledcheese #grilledshrimp #burger


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If you recently welcomed a new bundle of joy you now understand the motherly instinct to protect your young. You want to keep them safe, happy, and healthy for the rest of their lives. A great way to protect your little one from the unexpected is to invest in the proper insurance. Insurance can help ease financial pressure if you or your partner were suddenly unable to work, or your child needed serious medical care. Insurance helps you stay safe for the what if’s in life. As an AIA Vitality coach, Rachael can help you navigate the process of obtaining insurance and guide you through any questions or concerns along the way. Reach out to see if we can add value to your family. #personalfinances #finances #superannuation #financialfreedom💰 #abundancementality #manifestingabundance #moneymindset #budgetplanner #budget #investment #debtfreejourney #debt #thrivefinancial #financialadvisor #money #family #insurance #lifeinsurance #super #superannuation #empoweringfinancialfreedom #moneyquote #moneymindset


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New blog post (link in bio!) and it’s a fantastic one! Are you trying to figure out how to start #budgeting ? Check out my new post to kickstart your #debtfreejourney ! I got myself out of 35k of #debt in 2.5 years, and it’s all thanks to my budgeting approach. I hope my tips can help some of you get out of debt and start your journey to #debtfreedom ! . . . . . . . . #financialfreedom #financialindependence #debtfreecommunity #firemovement #purpose #purposedrivenlife #wealthbuildingtips #wealthbuilding #inthesearchof


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A health savings account can not only lower your taxable income. It can help you pay for eligible health care expenses. In addition, the money can be left within the account and invested for retirement, if need be. •••••••••••••••••••••••••••••••••••••••••••••••••••••• #thefinancialpundit #debtfreecommunity #daveramseybabysteps #babystep2 #babystep3 #budget #minimalism #debtfreejourney #debtfree #minimalist #frugalliving #frugal #money #moneymanagement #cashenvelopes #money #invest #totalmoneymakeover #financialfreedom #budgetplanner #budgeting #saving #savings #debt #money #goals #mealprep #minimalist #likesforlikes #looklikeaninvestor #zerobasedbudget #financialindependence


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Do you struggle keeping your finances in line? Check out this gorgeous (and easy-to-use) budget spreadsheet with a separate sheet for each month! You get to decide on the categories & can divy your paychecks up amongst multiple bank accounts! Link in bio #Budget #BudgetPlanner #Neat #NeatSheets #spreadsheets


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We are taking Financial Peace University again! Of course time to time we get out of our routine, but for the most part, we are pretty good about sticking with our budget, and our financial plan. We want to keep taking it throughout this journey to keep our selves aligned! We both still cry over each debt free scream, and today we watched some videos of it instead of just the podcast and we cried so much harder LOL. One day 💭 . . . . . #daveramsey #debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtfreeliving #debtfreegoals #goals #babysteps #daveramseybabysteps #money #cash #hustle #grind #budget #budgeting #moneymoves #knowledge #beweird #lifestyle #dfc #planning #mealplanning #budgetplanner #financialfreedom #financialpeace #financialpeaceuniversity #everydollar


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Regristo de gatos 💲💸💸 Un indispensable para organizar mis finanzas siempre tengo que saber en donde se va todo mi dinero #budgetplanner #finanzas #bulletjournal #bulletjournalenespañol #planner #savingtracker #expensetracker


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I got paid early! . Never have I ever worked a job prior to this one when I get paid before pay day, but every few months my check shows up a couple days before schedule, which is always a crazy exciting thing! (Do other jobs do this?!) It doesn’t change our budget because I plan that a full month at a time, but it does allow us to make an additional principal payment on our loan a few days early, which saves us a couple days of interest! . Right now we are paying around $13 per day in interest or about $390 a month. While that number sort of eats at me, it is about HALF of what it was this time last year! (And a year from now it will be $0!!!!) . Prior to our debt free journey, I couldn’t have told you how much was being taken from me while I slept. (That’s what this is, you know...money that literally flies out of my hands while I sleep! I had to get uncomfortable with that thought in order to want to make a change about it!). But now I can tell you: about $13/day, down from about $16/day a month ago. Less money leaving my hands as I sleep...I’m here for it! 🙌🏻 . Have you ever calculated what your interest rates are costing you on a daily basis? (No matter what your loan is for, you can do this! Car, student loan, mortgage, credit cards...And when you do, I hope it makes you mad enough to want to do something about it!) . Basic calculation: (current payoff amount x interest rate)/30 days . So in my case this looks like ($88,960 x .004375)/30=$12.97 and this is our only debt, so I don’t have to add other interest to it, but you can if you have more than one loan! . How much is your interest costing you daily?


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Tomorrow I’ll try to get a better picture of this weeks hourly spread. I loved color coding variable plans, home, and work schedules. I’ve been on the fence about getting another hourly for the 2020 year or waiting until the new ones come out. I’m still very torn between academic year and calendar year. 😅 Anyone else? Since my life has changed so much this year I keep wanting to completely start over in my planners. Hmmm. . . . . #planningongrace #erincondrenlifeplanner #weloveec #erincondrenhourly #echourly #echourlylayout #echourlyplanner #weeklyspreads #todolist #budgeting #budgetplanner #planningcommunity #plannercommunity #plannermom


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Another calendar budgeting method. Need help in finding extra cash at the end of the month? Let's sit and see what I can do to help completely complementary. Times are hard. Let's not make it harder on you or your family! #timesarehard #moneystight #cashflow #budgeting #budgetplanner #complementary #free #helpfultips #helpfultips #mindset #extrahelp #helpingotherssucceed #helpingfamilies #financialfreedom #debtfreejourney #goals #educateyourself #learning #balance #income #easierthanyouthink #fna #surplus


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Just to name a few! @shebuildingher_ca was founded on the principle of bringing women together and closing the gap between us and money. We often find ourselves in situations where we are made to feel "less than" or "not as smart" or "not as capable" but the bottom line is, that stops now. We are all bossing up slowly but surely and with the core principle of "collaboration over competition" there wont be any holding us back.⁠ ⁠ ⁠ ⁠ ⁠ #prosperitytribe #investing #planneraddict #womenofcolor #financiallysavvy #bayarea #plannercommunity #financialwellness #womensconference #preparingtoprosper #moneymatters #currencyconversations #careerwomen #financialgoals #plannerjunkie #entrepreneur #networkingwomen #womeninbusiness #wealthywomen #creditrepair #financialcoach #bankruptcy #womeninfinance #financialadvisor #budgetplanner #planners #shebuildingher #moneymoves #amex #womensupportingwomen


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My numbers are in! Because my husband and I get paid only once per month it’s fairly easy for me to calculate this information early. This was our monthly income for February and our debt payoff amount. Our goal is $3500 every month in order to payoff the SUV, Motorcycle and Credit Card this year! Our income amount does not include the bonus I received from work or any tax refund money we’re expecting. I’ll make another post later on regarding both of those amounts and what we are planning to use them for! #daveramsey #budgeting #babysteps #babystep2 #debtfree #debtfreedom #financialfreedom #debtfreejourney #debtfreecommunity #dfc #dfj #murphy #budget #budgetplanner #budgetmeeting


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Congratulations To @ulvibej For Winning The ULTA $5 Off $10!! 😊 🛑I Have 1 More That I Will Be Giving Away This Week Since I Wont Be Using It So Keep Your Eyes Open! 😊 ▫️▪️▫️▪️▫️▪️▫️▪️▫️▪️▫️▪️▫️▪️▫️▪️ #mamadeals #couponcommunity #glitchcommunity #glitchesndeals🏃🏻‍♀️ #couponingfamily #freebies #budgetplanner #savingmoney #coupon101 #couponaddict #coupondeals #dealsandsteals #walmartdeals #glitchcommunity #glitchesfordays #glitchdeals #dealsondeals #dollartreefinds #momdeals #iLovefreebies #ilovedeals


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Oops 🙊 @mrgeorgepitts You gotta manage what you have before you can plan out the “big money” Matter of fact, go ahead and click the link in my bio to grab the 30 Day Jumpstart Kit to start taking control of your finances and getting them to work for you! #thatfinancechick #financialindependence #financialfreedom #financetips #debtfreejourney #debtfreelife #debtfreedom #budgetplanner #budgetingtips #investingtips #investmentstrategies #blackeconomics #buildingblackwealth #investing101 #investing #valueinvesting


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Have A Good Credit Score🚩⁣ .⁣ You have to have a good credit if you want to buy a car, or house, or even rent an apartment.😃⁣ .⁣ Take the steps to improve your credit score and track your progress.🔥⁣ .⁣ Click the link in bio to learn more about the PDF Digital Budget Planner for Goodnotes, Notability or similar apps – BOSS Personal Planner👌⁣ .⁣ #planneraddict #plannercommunity #personalplanner #plannerlove #plannernerd #plannerlove #plannerjunkie #budgetplanner #financialplanner #plannerdecoration #plannergirl #plannergoodies #planners #solopreneur #businessminded #gogetter


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First online sale! I made $30 overnight 💰 because I got sick of packing away my old Nespresso coffee machine (my kids keep pulling it out of the kitchen) and thought of the DFC, asking myself: “Why don’t I just sell this?” 5 minutes of work and an hour later, my buyer was scheduled to come get it the next day! 👌 When he rocked up, it turned out he was the nephew of my neighbour so we ended up chatting for ages! That $30 went straight to our shares account 💪🏻 We are on track to purchase some more very soon! Now my husband is getting nervous because I’m eyeing off all our clutter as potential cash 😂 I will be going through the cupboards while he is at work, that’s for sure! #emilyonmoney #financialfreedom #debtfreelife #wealthcreation #frugalliving #familyfinances #personalfinanceblogger #budget #budgethelp #moneygoals #investingwomen #millennialmoney #budgetlife #budgetplanner #millennials #goaldigger #savemoney #sayyestothebudget #manifest #manifestingwealth #millionaire #millionairehabits #debtfreejourney #debtfreecommunity #dfc


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A couple of days ago, I noticed that our shower spout was leaking. So my hubby did some research and figured that we probably only needed to replace the cartridge. I forgot that we had Home Maintenance envelope until this morning when I was looking through my sinking funds. We spent $21.11 and was able to fix the leak in less then a half hour. We took our little guy to my brother's house and borrowed some tools to work on this little project. -- We were also able to fix our kitchen faucet. Back in January, we got our water heater replaced and then our kitchen faucet's water pressure became extra, super low. Our technician said we just had to open up the faucet and clean the cartridge, but we didn't have the right size tool. My brother actually had that little allen wrench in his tool box! Now I don't have to wait a half hour to fill a pot with water. 🤣😅🤣 -- It was a great Sunday. We didn't spend a lot of money and time on these fixes and my little guy got to hang out with his cousin at my brother's. -- How was your Sunday? Do you like to do stuff, like home maintenance, on Sundays? . . . . . #lifeonabudget #itsbudgettime #iheartbudgeting #ilovetobudget #budget #budgeting #budgetinglife #budgetupdate #budgetingwin #budgetplanner #happyplanner #youneedabudget #zerobasedbudget #cashenvelopes #cashenvelopesystem #sinkingfunds #emergencyfund #debtfreecommunity #debtfreejourney #teamtinyshovel #debtsnowball #debtsucks #financialgoals #financialgoals2020 #moneygoals #moneygoals2020 #february2020 #itsmrsreedonabudget


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#budgetplanner Paycheck budgeting today. This is how I write my bills on my weekly pages. I add what needs to be paid for the next two weeks and my husband & I split the family bills but we pay our own personal stuff separately. We use what’s left over for food, gas, and toiletries. TRYING to stick to a budget for those items are hard at times but we manage. #budgetbypaycheck #budgeting #planning #paychecktopaycheck


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First time mowing my full back yard! Gotta do what works for you when budgeting. #budgetplanner #millenial #millenialdogmom #youdoyou


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💸#GenerationalWealth (more than just a hashtag) ———————————————————————————🟡Visit Our Website For A 100% FREE Consultation Today! 💻 https://www.greenchips-financialfreedom.com/ (link in bio)


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I’m always looking for new ideas when it comes to meal planning, prepping or grocery shopping! So I figured I would share a little glimpse into my @aldiusa grocery haul for the week! Swipe to see this weeks dinner menu and cost breakdown per meal 😃


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#beforethepen for next week! I went with colorful, bright and happy to go with the beautiful weather we've been having 🌞💞


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Are you off to a great start this year? Or maybe not so much? - Goals are tricky things. They can fire us up, but sometimes they can make us freeze with fear or sabotage ourselves. - And big money goals? They seem to tip to the scary side more often than not. - Seeing so many of you post that things aren’t going the way you had hoped in these first six weeks of this new decade has got me thinking about putting my 2020 Challenge Year planner on sale this week because what I teach in the bonus Workbook can get you out of your own way and moving forward faster than you’ve ever gone before. - If you’re interested, let me know in the comments.


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I do private lending in 🇨🇦 where I act like a bank 🏦 and lend money to small businesses.⁣ ⁣ 💰💰💰💰💰⁣ I don't have a ton invested in it, this is a small and third growing income stream for me, the first being my dividends as passive income, second my blog as active income, and third, this private lending business.📈⁣ ⁣ As with all investments that are not "solid" money market or cash in the bank (which is are terrible investments because it barely, if ever, covers inflation which is an average of 4%), there is risk when you want a reward.⁣ ⁣ 👀 Risk, in this case, means that you have loans that will default. Right now, only 2% are shaky, and 98% is in good standing meaning they're paying on time.⁣ ⁣ ✌🏼I am yielding about 13.8% gross, and minus the administration fee of 1.5%, I am netting 12.3%, minus again, these (if any) defaulted loans.⁣ ⁣ I only have ONE charged off loan at $50 and it was a B Grade loan out of all the money I have lent out in the past year. So goes to show just because it was rated highly doesn't mean it is going to pay you back.⁣ ⁣ 📜To read more about this private lending, click on my Instagram bio link, and then this image, and it will 🚀 take you to my blog post on it.


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New Post!!! Coffee is love of our life but it's an expensive affair :) We are sharing our recent discovery how small leaks like coffee expense can leave big dents in our pocket in life time. Also, included are some tips which helped us reducing these expenses and gain healthy habits. Thanks to #pickuplimes for amazing vegan coffee recipe. We hope you like the read. Link in the Bio https://moreadventuresmorelife.business.blog/2020/02/08/pocket-savvy-coffee/ . . . . . . #budgetingtips #budgetplanner #budget #coffee #coffelovers #foodphotography #foodgasm #tipsandtricks #habits #habitsofhealth #vegancoffee #instacoffeelovers #instacoffee #moneytips #pocketsavvy #savvy #reader #MoReTravelnFood #teampixel #teampixel3 #vegan #veganrecipes #veganrecipeshare #homecooking #homecook #readersareleaders #bookstagram #booklovers


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Don't be afraid to use online banks. As long as the account is FDIC insured, your money is safe up to $250,000. ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ Transfer your emergency fund to a high-yield savings account today, such as Sofi Money or Ally, so you don't miss out on earning interest. Most traditional banks only accrue about .01% interest compared to up to 2% in a high-yield account. ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ Fear shouldn't keep you from putting your money to work for you. Take the time to do the research and then commit to making the switch.⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ Click the link in my bio, and select the '30-Day Money Challenge' button to download a FREE copy of the 30-Day Money Challenge calendar to learn how to transform your finances in just 30 days. 🔗 @pHERsonalfinance⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⠀⠀⠀⠀⠀⠀⠀⠀⠀ #debtfreedom #debtfreecommunity #debtfree #budgeting #budgettips #debtfreejourney #financialfreedom #debtfreeliving #budgetplanning #debtfreelife #daveramsey #savingmoney #ynabcommunity #youneedabudget #financialindependence #livingonabudget #sixfiguredebt #debtisdumb #bosschicks #budgetplanner #personalfinance #babystep2 #moneymindset #financecoach #debtfreegoals #payoffdebt #financetips #financegoals #moneygoals #babysteps


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What budgeting questions do you have that you’d like answered?


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I asked in my stories a couple of days ago which of these new charts y'all were most looking forward to and it was such a mixed response! I am glad that each one hits the spot for someone. - I got many questions about the Mind the Gap chart, so I did a story to show how it works. That story is saved in my Highlights if you missed it. Tracking income and expenses this way really helped us in our debt free journey, and I haven't seen this method used yet in the #debtfreecommunity, so I felt it was time to reintroduce it. - The 100 Books charts caused quite a stir! There are two versions, one with decorated covers, and one with plainer covers you might be able to write on or at least put an abbreviated title. - The new Personal Loan game chart is a FREE one too! - All of these are at the link in my profile, just select New Releases. - These were all (aside from Mind the Gap) made because someone made the request. I really want to provide charts for goals you want to track - so don't be shy about sharing your ideas. You can post them below, or DM me, or shoot me an email at support@debtfreecharts.com - The more a chart is requested, the higher up the list it goes. - On the list for March are Graduation, Prom, Disney game, 100 travel doodles, Summer Camp, Savings Land game, and more.


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The struggle is real 🥑 #relatable #deferit


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If you are living paycheck to paycheck her are some things you can do to float above water 💦 . . 1. Do a budget 2. Eliminate or lower expenses such as cable, phone bills, electric, gas, etc. 3. Get a part time job online 4. Declutter your home 🏡 5. Save your money automatically by using auto features with your bank. . . . . . . #moneymoves #moneytips #workfromhome #budgeting #budgetplanner #goalsetting #cashenvelopesystem #automaticsavings #moneymoneymoney #dreambig #nocablebill #nocarpayment #mealplans #mealplanning #savingschallenge #savingstips #savingsgoals #savingsplan #goalsetting


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It's still the season of love and love is about giving. We are giving 50% off our regular wedding photography price for intending brides and grooms! Book a spot for your wedding between February through July 2020 to enjoy this discount! We have limited weekends in 2020 so call us now to confirm your weekend! #bridalguidenigeria #asoebiafrican #gele #africansweetheartweddings #instanaija #bellanaijaweddings #asoebibella #asoebi_styles #wedding #wedding #nigerianwedding #sugarweddings #ilorinweddings #tradwedding #theknotnbeyond #myweddingnigeria #loveweddingsng #asoebiafrica #yorubawedding #yorubaweddings #igboweddings #nuptialsnmore #instanaijaweddings #ankarafabric #ankarafashionafrica#traditionalwedding #traditionalweddingng #arewailorinpple #budgetplanner #budgetwedding #budgetweddingideas


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If u don't love yourself, how u gon love anybody else! @rupaulofficial . . . .FACE: EIC @makeupbynamaisa @Bobbibrowncosmetics face base @lancome tient idole ultra wear 370 BIS W @lauramercier translucent powder NARS radiant creamy concealer (med 1 custard) @Mac prep + prime BROWS: @Anastasiabeverlyhills brow wiz (med brwn), dipbrow chocolate & tinted brow gel chocolate EYES: Sonia Kashuk sunset blush @makeupgeek cocoa bear @sugarpill LOVE + Kuckian 114 @NYXCOSMETICS milk @litcosmetics lemon tart 3 @wetnwild max volume plus @sephora Aspen summit 23 BBH: NYX love contours all @kevynaucoin the neo blush- pink sand @toofaced candlelight @colourpop super shock cheek (whipped) 17C2 LIPS: Beauty success rouge seduction Framboise glamour #112 . . #cititrends #budgetfashion #budgeting #budgetplanner #budgetingtips #budget #nyfw2020 #nyfwstreetstyle #cititrendslook #nyfwm #valentinesfashion #valentines_day #valentinesday2020 #valentinesgift #filashoes #heartstrong #heartstrings #hearthealth #heartbeat #heart_imprint #heartshaped #filashoes👟 #champions #champion #streetstyleinspo #streetstyleluxe


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Math was my favorite subject you either wrong or right. No gray areas. I began my accounting career at 9 years old for my daddy. Been crunching numbers applying theories and principles for more than 25 years. Love Katherine Johnson...the great mathematician. #bhm #budgetplanner #plannerstickers #plannerbabe #plannercommunity #happyplanner #discplanner #bwwpc #bhm


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I am so ready to get this debt paid off. This is my BF and I's combined debt snowball chart. I want to cross off another one so bad. I'm paying my own debt and he's paying his, but this visual helps us both stay focused. . #finances #financialfreedom #2020goals #budgeting #budgetplanner #debtfreecommunity #debt #gyflt #gettingorganized #erincondrendeluxemonthly #debtisdumb #budgetplanning #financialplanning #singledebtfreejourney #womenandfinance #DFC #blogger #erincondren #youtuber


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Guess what? I’m no longer letting money control me, I’m controlling my money! AND IT FEELS AMAZING!!!!!!!! I am no longer worried about the future because I know I can take handle whatever it throws my way 💪🏻 It’s so much easier to save and build wealth when you aren’t handing over every paycheck you earn to someone else! If you haven’t heard about Dave Ramsey and his baby steps for getting out of debt and building wealth, do yourself a favor and check him out. It has truly changed my life and now my family tree ❤️ Now, time to keep moving forward with steps 4, 5, & 6! • • • #daveramseybabysteps #daveramseybudget #wealthmindset #moneymanagement #frugalliving #weeklyinteriorinspo #ourhappilyeverhome #hypedforhomedecor #reallifeandstyle #thedecoratedcottage #prettylittleinteriors #agatheringplacefordecor #sundayscrollstoppers #dailydecordetail #featuremydecor #graceinthisplace #myhousemadehome #joannagainesstyle #lovetohome #simplycozynest #bhg #bhgstylemaker #neutralfarmhouse #myfavoritedesignstyle #daveramseyplan #daveramseycommunity #budgetplanner #moneysaving #wealthymindset #financialindependence


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Pantry goals! Are you wasting money ?💰 A lot of your savings could be hidden in the pantry because of how it is set up. 1. Can you locate items easily? When you can’t view items you end up throwing them out because they go bad fast or have expirations dates. . . 2. Do you meal prep? Not including this in your weekly routine causes you to have left overs you no longer have a taste for, over spending on food, impulse buying, and letting food go bad. . . . . . #pantryorganization #mealprepideas #groceryshopping #couponcommunity #savingmoney #foodenvelope #cashenvelopesystem #wastenotwantnot #foodbudget #budgetmeals #grocerysavings #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #dollarmenu #budgeting #budgetplanner #budgetingtips #budgetmeals #freezermeals #crockpotmeals


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A budget helps you lay out your expenses for the month and year ahead. You can avoid the trappings of credit card debt and payment programs by planning for upcoming purchases. Even zero percent interest sets you up for trouble. While you aren’t paying more for the item, you are pre-spending your monthly income. This is dangerous for a few reasons. You’re still on the hook for payments even if you have a change in income. Additionally, you restrict your ability to save for and pay for things you want in the future, because you are still paying for past purchases. Let’s look at an average family in America where the median income is around $60,000. This family takes home around $4,000 a month and tries to live within their means by keeping basic living expenses (mortgage and utilities) to 25% of their take home pay. This means the family has $3,000 a month for everything else. Let’s look at how quickly that $3,000 can be eaten up by payment plans. This family has two cars on 0% interest payment plans. One car is $300/ month and the other is $250/ month. Each member of their family of four has iPhones again bought under a 0% interest payment plan. Each phone costs about $35/ month. The parents bought a new mattress and couch during a sale. Each is on a 48 month repayment plan at 0%. They pay $125/ month and $62.50/ month for the couch and mattress respectively. Each of these payments alone felt comfortable with a $4,000 monthly budget, and they aren’t paying interest on any of these purchases. However, this family has now pre-spent $1,877.50 of their take home pay each month between basic living and payments. This leaves very little flexibility in their budget for groceries, dining, children’s activities, travel, and saving. Additionally, the family will quickly fall behind on payments should anything happen to their income. By budgeting and paying for your purchases in full, you give yourself more month to month flexibility. What have you bought on a payment plan that you later learned a lesson from?? I’ll go first... possibly bought a brand new car on 0% interest only to decide to move to NYC sans car a few months later 😳 Live and learn!


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For the Best in Credit Repair Contact⠀ BRIAN BLACKMORE⠀ FINANCIAL BUSINESS ANALYST AND STRATEGIST⠀ Facebook : @BKCreditConsultants⠀ Instagram: @BKCreditConsultants⠀ Website: http://www.BKCreditConsultants.com⠀ Email : info@BKCreditConsultants.com⠀ Phone: 463-865-4506⠀ ⠀ =================================⠀ #lowinterest #greatcredit #excellentcredit #moneysavingtips #creditsweep #cashbuyers #businesssolutions #creditcarddebt #creditexpert #smallbusinessowners #womanownedbusiness #businessmen #businessstyle #businesssuccess #creditbuilder #businesspassion #businesswomen #businesstips #investment #budget #credit #finance #budgetplanner #investmentproperty


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I’ve been in the same planner since October and I have planned peace. It’s funny cause I thought it would’ve this magical moment but it was just me realizing that my planner is perfect the way I have it and it doesn’t have to look like anyone else’s. No #fomo #hobonichiweeks #planneraddict #plannercommunity #blkwmnplan #blackgirlsplantoo #planwithme #plannerjunkie #plannerstickers #planner2020 #erincondren #happyplanner #debtfreeplanner #budgetplanner #planner girls #plannerfun #cuteplanner #plannersrule #youtuber #vlog #blog #prettyplanner #smallplanner #plannersrule #llama #youtubeplanner #lvagenda #a5planner #clothandpaper #functionalplanning


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My paycheck hasn’t posted yet but this is my plan for it. I wish I could put more money aside for March rent but literally that’s all I have left. Unfortunately it’s time to take the cats to the vet for their check up and I didn’t have anything set aside for that so this paycheck biggest expense is that that appointment. I also do want to note that the Discover card only has Gary’s balance but like I stated before I use that card to pay for everything and I then pay it off every paycheck. I’m just using that card so I can get the cash back and on top of that at the end of the year Discover matches the cash back I make. Would you guys like me to keep posting paycheck breakdowns because I don’t mind doing this? ☺️💕💗 #budgetplanner #debtfreejourney #debt #debtfreecommunity #debtfree #debtsnowball #debtfreegoals #debtfreedom #debtisdumb #debtfreeclutterfree #youtubechannel #life #finacial #financialfreedom #quoteoftheday #quotestoliveby #debtupdate #debtpayoff #love #outfitoftheday #debtmanagement #youtubechannel #youtuber #quotes #moneyquotes #rich #girlythings #ootd #youtube #outfitinspiration


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Show balance after a withdrawal? ALWAYS! Hands up if you have clicked NO because you are afraid of what you will see? Denial will not help you reach your money goals and not knowing what’s in your bank account will not help it grow. Even if clicking “yes” is not what you want to see, it’s one step closer to knowing what action you need to take. From here on it’s YES YES YES! #mondaymotivation . . . . . . . . . . . . . . . #girlfinance #financialsuccess #financialfreedom #finance #financeblogger #financememes #womenempowerment #womeninfinance #payday #budgettips #budgeting #budgetplanner #bossgirls #bosslady #moneytip #moneytips #mondaymorningmotivation #moneymotivation


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I’m glad to have spiritual leaders who have always encouraged me to be wise with my money (even if I haven’t always listened). Can’t wait to EARN interest rather than pay it! 💪 Thanks for sharing @frugalfabmama !! #dfc #debtfreecommunity #debtfreejourney #babystep2 #payingoffdebt #savingmoney #budgeting #moneytips #financialgoals #budgettips #budgetplanner #makingpayments #personalfinance #debtfreegoals #debt #frugalliving #frugalaf #debtfreedom #debtfreeliving #cashenvelopes #cashenvelopesystem #budgetlife


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Clients constantly tell us that shame and embarrassment delayed them from reaching out for help sooner. We’ve been where you are. We are here to help, not judge.


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Don’t forget part A of this statement and jump to part B. They’re both equally important.


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We are only 27 days away from the financial event of the year!! 𝐓𝐢𝐜𝐤𝐞𝐭𝐬 𝐨𝐧 𝐬𝐚𝐥𝐞 𝐧𝐨𝐰: SHEHUSTLESBRUNCH.EVENTBRITE.COM Couponing✂️| Budgeting💰| Credit💳| Real Estate 🏠 𝐒𝐡𝐞 𝐇𝐮𝐬𝐭𝐥𝐞𝐬 | Financial EmpowHERment Brunch March 14th 2020 | Toms River, New Jersey


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Sunday Fun Day! I’m working even on my days off. Why? Because my clients mean that much to me. Anyone can write a dispute letter, but not everyone’s situation is the same. Our letters are just as unique as our clients. ❤️ . . . #creditrepair #collection #debtfree #relationshipgoals #debtfreecommunity #rebuild #creditscore #budgeting #financialliteracy #educateyourself #loans #homeownership #singledad #singlemom #refinance #badcredit #wealthbuilding #moneymatters #studentloans #firsttimehomebuyer #clickthelinkinmybio #phoenixrisingcredit #fixyourcredit #ficoscore #getapproved #businesscredit #creditrepairservices #budgetplanner #crediteducation #usedcars


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Sunday Fun Day! I’m working even on my days off. Why? Because my clients mean that much to me. Anyone can write a dispute letter, but not everyone’s situation is the same. Our letters are just as unique as our clients. ❤️ . . . #creditrepair #collection #debtfree #relationshipgoals #debtfreecommunity #rebuild #creditscore #budgeting #financialliteracy #educateyourself #loans #homeownership #singledad #singlemom #refinance #badcredit #wealthbuilding #moneymatters #studentloans #firsttimehomebuyer #clickthelinkinmybio #phoenixrisingcredit #fixyourcredit #ficoscore #getapproved #businesscredit #creditrepairservices #budgetplanner #crediteducation #usedcars


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#BeforeThePen in my #happyplanner for the week! 🌟 Using Gold, Teal, and pops of pink for this spread. 🌟 It’s going to be a busy week, hopefully it will be a good one. . . . #happyplanner #happyplanneraddict #happyplannerstickers #plannerstickers #michaelsstickerbook #erincondren #budgetplanning #budgetplanner #budgeting #mealplanner #planning #planner


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✨NEW DESIGN ALERT✨ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ What do you think of our New Wedding👰 set❓🤗 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ The possibilities to customize these envelopes are endless! I ♥️ them! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ #wedding #weddinginspiration #weddingplanner #weddingplanning #weddinginspo #budgetlife #budget #financialfreedom #frugal #debtfreejourney #totalmoneymakeover #daveramsey #financialpeace #cashenvelopes #financialpeaceuniversity #budgetblog #debtsucks #cashflow #debtisdumb #budgetplanner #babysteps #everythingfit #debtfreecommunity #entrepreneurs #coaches #budgets #budgetbetter #millenialtips #studentloansucks #cashisking


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My shopping cart buddy! Most of you know already my grocery shopping day is Sunday to prep for the week. Sometimes we have to go out one more time later in the week but I usually plan everything on Sundays before I go. . . I literally sit down with the hubby before I go and we go through the meals we want to eat that week and what we will need in that meal. . . Every Tuesday we do taco Tuesday so that makes it easy for at least one meal of the week. 🌮 . . Do you have designated days for meals? I know some families do Pizza Fridays. 🍕 . . We also have been doing meatless Mondays! This makes it very easy. . . Be sure to subscribe to my newsletter to get all the recipes to your email. 🥂 Link in bio. . . #workingmom #workingmomlife #workingmommy #sundaysareforshopping #groceryshopping #grocerystore #grocerylist #groceryspot #groceryspending #grocerybudget #groceryshop #budgeting #budget #budgetplanner #budgetingtips #budgetfriendly #budgetmeals #familymeals #familymeal #familymealplanning #familymealtime #familymealplan #mombruncher #familydinners #parentinghacks #parentinghack


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Do Your Ever Imagine A Life Without Debt? I Want It So Badly!! I’m dedicating the next 2 years to make a HUGE change! ________ #nospendchallenge #financialfreedom #financialliteracy #financiallyfree #budget #budgetplanner #bugetingtips #frugalliving #livingfrugal #frugallifestyle #daveramsey #financeblog #debtfreecommunity #debtfreejourney #debtfreegoals


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I’m someone that needs to physically see the steps out in front of me. Something about putting it all out there makes it feel more attainable and keeps me motivated. Two of those little cards are waiting to be moved to a new column next week! • • • • #debtfreecommunity #debt #debtfreejourney #gameplan #budget #finance #financialpeace #totalmoneymakeover #studentloans #budgetplanner #budgeting #organization #debtfreegoals #debtisdumb


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Taking Control Of Your Financing Is One Of The Strongest Things Ive Seen With The Women In This #debtfreecommunity. Though It’s Scary Don’t Avoid Checking Your Account & Debt. Stay On Top Of It & Watch It Go Away. _____________ #nospendchallenge #financialfreedom #financialliteracy #financiallyfree #budget #budgetplanner #bugetingtips #frugalliving #livingfrugal #frugallifestyle #daveramsey #financeblog #debtfreecommunity #debtfreejourney #debtfreegoals


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