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With everything going on in the world, I wanted to take some time to talk about the importance of having an emergency fund. A couple of months ago, I completed #babystep2 and became debt free. Although I’m still debt free, I had to dip into my $1,000 emergency fund because of what’s going on. I don’t feel bad for taking money out of it. In fact, I’m very thankful for my emergency fund. Without it, I would be back in credit card debt. If you can, it’s so important to have some money stashed away. Even if you can only save small amounts at a time, it adds up and every little bit helps. #expenses #budget #budgeting #budgetlife #personalfinance #finance #money #cashenvelopes #frugal #frugallife #cashenvelopesystem #budgetbypaycheck #payday #monthlybudget #debtfree #nomoredebt #debtfreecommunity #saveallthemoney #daveramsey #babysteps #budgetplanner


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I closed out my budget today. ⠀ ⠀ I was able to save QAR 643 from cash envelopes. ⠀ ⠀ Anything left from car envelope will go to car maintenance sinking fund. 1s into my 1 riyal jar and the rest into our savings. ⠀ ⠀ I overspent in beauty, QAR 2. ⠀ ⠀⠀⠀⠀ #debtfree #debtfreejourney #debtfreegoals #financialgoals #debtfreecommunity #dfc #financialindependence #budgetmom #budgeting #tbm #cashenvelopesystem #babystep2


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Home Management Planner. Video is up on my YouTube channel for the Set-up, go check it out 🤗


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Yes! Everyone started off in similar places- but we STARTED! And you can do it too! 🤗⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Posted @withregram@debtfreephoenix


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Revisiting some of the principals within this book. I’ve read it before and took some value from it but we don’t follow the methods exclusively. Same goes with Dave Ramsay. We can appreciate what his 7 baby steps do to help those in debt but being based in Australia we don’t feel it reflects enough of our circumstances especially in relation to retirement savings and student loans. Honestly most of what we have done has been our own ideas and so far it’s worked well but we’d be silly not to look into each method and see how it can help us. #australiandebtfreecommunity #debtfreecommunity #debtfreejourney #debtfree #debtfreegoals #debtfreelife #debtfreeliving #debtfreedom #debtfreedreams #debtfreeaf #debtfreeaustralians #debtfreefuture #daveramsey #daveramseybabysteps #daveramseywouldbeproud #barefootinvestor #barefooting #minimalism #minimalist #cashenvelopes #cashenvelopesystem #budgeting #budget #thedebtfreecommunity #debtfreeaustralia #debtfreeisthenewsexy #debtfreeisthewaytobe #budgetliving #budgetlifestyle #budgethome


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Stimulus Checks✨ —— As many know, most households will be receiving a stimulus check to help out during these difficult times. It’s estimated most checks will go out within the next 3 weeks. Payments up to $1200 per person, with an additional $500 per child under the age of 17, will be sent to US residents (who have a SSN) who earn under $75,000 annually. The amount will decrease by $5 per every $100 earned after that up to $99,000. For married couples, the phaseout range is $150,000-198,000. If you filed taxes for 2019, the IRS will use that info to calculate your check amount and where to send it (by mail or direct deposit). If you haven’t filed taxes yet, they’ll use your 2018 tax info. My top piece of advice is to not spend your check before you receive it. There’s no telling when your check will actually arrive and you don’t want to spend money until you actually have it. If your income has been effected, I would advise to put your stimulus check in an emergency fund and use only if/as necessary (bills, mortgage/rent, food, and other necessities). If your income has not been effected, you should first make sure your emergency fund is funded to where you’re comfortable and then, if you’re comfortable, use it to pay on your debt (debt snowball or debt avalanche, totally up to you). It’s so important to do what’s best logically for your current situation - be calm, rational, and budget according to your specific situation. We’re all in this together and this storm will eventually pass🌤 —— How do you plan to use your stimulus check? #debtfreecommunity #debtfreejourney #coronavirus #stimuluscheck #belogical #budget #budgeting #cashenvelopesystem #followthesteps #daveramsey #daveramseybabysteps #babystep2 #debtsnowball #dowhatsbestforyou


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This new printable from my Etsy shop allows you to celebrate paying down your debt! I’m so excited to color in these squares as I pay down more and more of my student loans. QOTD: what debt are you most excited to get rid of? 💵💰⠀ .⠀ .⠀ .⠀ .⠀ .⠀ .⠀ .⠀ #debtfreejourney #debtfreecommunity #cashbudget #cashenvelopesystem #cashenvelopes #budgetlife #daveramseybabysteps #cashbasedbudget


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It’s hubby’s payday! 🥳⁣ I shared yesterday that Kiwi’s in Oz can now get the Jobkeeper subsidy which is amazing 🙌🏼 however, as my hubby and I just started new jobs after the 1st of March we can’t get it 🤦🏻‍♀️⁣ ⁣ Thankfully hubby is still trucking so sticking with my usual weekly routine and sitting down to go over our budget, pay the bills and throw every last cent I can into savings 💰⁣ ⁣ Are you keeping your budget routine up?


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Payday today 👏🏼 ANNNND it’s all gone before 7am! 😱 . . It’s okay though, that’s what a #zerobasedbudget is all about. Majority of bills have now been paid and the rest has gone into spending pots which will come out over the next week or so and saving pots (emergency fund & car repair bill)👌🏼 . . I stuck to a £10 personal allowance and have ordered 4 jars of @beaniescoffee for £10 including delivery 📦 - one thing that’s getting me through this crisis!!☕️ . . I haven’t used a credit card or took out finance for a REALLY long time now and I’m confident in saying I don’t think I ever will again. This journey has taught me that I don’t need to as long as I’m patient and organised. Borrowing means paying back and usually MORE than you borrowed so that’s a big fat NO from me, thank you 🙏🏼 . . #debtfreecommunity #debtfreeuk #daveramseybabysteps #emergencyfund #paydaybelike #debtfreejourney #payingoffdebt #payingbills #livewithless #livelikenooneelse #coffeeinacrisis #budgetmum #budgetblogger #moneyblogger #savemoneylivebetter #cashenvelopesystem #pantrychallenge #freezermeals #nospendchallenge #getyourshittogether


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love. 💕


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I can’t talk enough about cash envelopes! I have been using cash envelopes since I got married and it has been one of our success factors to helping us be intentional about spending and meeting our financial goals. If you are looking to learn more about the cash envelope system or are looking for a strategy that is easy, practical and manageable to help you reach your financial goals and budget better, this week’s blog post is for you. Click the link in my bio for more. • • • • • • • • • • • • #gettingmylifetogether #savings #financialfreedom #money #debtfreedom #financialgoals #financialsuccess #savingmoney #financialindependence #debtfreecommunity #moneymanagement #moneytips #savemoney #personalfinance #budgets #budget #debtfreeliving #moneytips #budgeting #debtfree #debtfreejourney #creditcards #daveramsey #moneygoals #budgetgoals #cash #cashenvelopes #cashenvelopesystem


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FINALLY! April’s budget 💰 video is live on my Youtube channel 🤩 (link in bio) . . I just want to thank all of you who continue to inspire/motivate me to be the best version of myself 💜 I absolutely LOVE our little community - what an uplifting group of people!! . . Also, I’ve been experimenting with the editing in this video and would love your feedback 🗣. I’m thinking of changing up my channel’s look a little bit 👀


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*STARTING OVER* with everything that has been going on and my whole town going into panic buy mode it made me panic buy as well 🤦🏻‍♀️ my whole budget went to crap and now my job is listed as non essential 😫 after every storm there is a rainbow so I decided to start over 🤗 I know the mistakes I’ve made in my budgeting journey I can only go up from here! Wish me luck #budget #budgeting #cashenvelope #cashenvelopes #cashenvelopesystem #debtfree #debtfreejourney #debtfreecommunity


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Lookin for another side hustle!! . My contractor ended the contract Friday due to COVID-19 affecting the overall business. While our finances are still ok.. that extra money helped our debt. . If you know of anyone needing a virtual assistant or do some work from home.. please send me a message. . I have done it all.. payroll, human resources, purchase orders, ordering, invoicing, keep schedules, travel arrangements, even worked for a state funded program so I can do a lot in the education field. . I have a childcare in my home so my side hustle has to be work from home.. . THANKS IN ADVANCE 💛💛💛 #debt #debtfree #debtfreejourney #debtfreelife #debtfreecouple #daveramsey #babystepstofinancialfreedom #financialfreedom #cashonly #cashenvelopesystem #debtfreecommunity #sidehustle #sidehustleideas #travelonabudget #saveuppaycash #rakutencashback #rakuten #grocerybudgeting #sidehustle #weeklysavings #weeklysavingschallenge #centsmatter #centsaddup #kidssavingmoney #teachingkidsaboutmoney #learntobudget #learntosave #nospendweekend #sidehustle #virtualassistant


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...just received check in the mail for reimbursement of preschool fees!!! Yay! ✨$277.50 straight to COVID-19 Emergency Savings! Every little bit counts! Trying to find the positive out of this quarantine. We are BLESSED! #debtfreecommunity #financialfreedom #daveramsey #babystep2 #debtsnowball #financialpeace #debtfreejourney #budgeting #livelikenooneelse #cashenvelopesystem #financialindependence #savingmoney #debtsnowballcalculator #budgeting


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There's goals to be met!! . . . #manifesting #claiming #injesusname #cashenvelopesystem


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“We have food at home.” ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Basically the motto of this quarantine🤪 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Honestly, I really don’t mind, because I really enjoy cooking dinner. General Tso chicken for dinner tonight! And all in under 30 minutes. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ What are you cooking for dinner during quarantine? . . . . . . #budgeting #budget #cashenvelopesystem #cashenvelopes #moneymoves #cooking #cuisine #budgetmeal #mealprep #daveramsey


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Our tax refund helped boost our numbers this month. In addition, my side Hustle (etsy shop) brought in about 1k and I was able to send that to my solo 401k. We are still a long ways away from our goal but still hoping to meet this goal even amongst all that is going on. Have you changed your financial goals due to Covid-19?


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This is exactly how my husband and I treated our finances for YEARS 😕. We both made amazing incomes and just assumed there’s no way we could spend it all, and even if we did, there would some sort of random payout or windfall soon and everything would work out magically. 😬😬😬WARNING: This is not a good plan! 🧐🧐🧐When we finally took control and responsibility of our finances, we were able to map out a plan for HOW we could save, invest, and spend wisely every single month. A plan for HOW we could actually become the everyday millionaires Dave Ramsey outs on a pedestals. HOW we could save for our son’s college. HOW we could help family in the future. Thank you Scott Rieckens for penning this quote, found on page 13 of “Playing with Fire”; I think most of us can relate. When you know better, you can do better, and in that vain, the first step is just realizing that ‘hoping’ for the future isn’t changing it. Making a fiscal plan and executing it is key. 💜💜💜 Did you ever feel this way? Did you just hope somehow things would get better? Let’s share 😁. #goodreads #goodreadschallenge2020 #goodreadschallenge #daveramseybabysteps #daveramsey #dfc #debtfreecommunity #debtfreejourney #ynabcommunity #ynab #ynabbudgeting #babysteps #babystepone #babysteptwo #babystepthree #babystep1 #babystep2 #sickandtiredofbeingsickandtired #beansandrice #playingwithfire #scottrieckens #firecommunity #financialfreedom #financialindependenceretireearly #financialindependence #mustacheman #moneyquotes #themoreyouknow🌈 #cashenvelopes #cashenvelopesystem


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#repost @chrishogan360 Listen up! Now is the time to make wise financial decisions. By maintaining the 4 Walls, you stabilize your situation so you can begin to find margin in your budget. These are your basic necessities: 1️⃣ Food 2️⃣ Utilities 3️⃣ Shelter 4️⃣ Transportation Take care of the 4 Walls before you budget anything else.


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Cash envelopes #etsyshop #etsy #cashenvelopes #cashenvelopesystem #cashenvelopestuffing #davidramsey #savings www.etsy.com/shop/twoelevencrafts


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This is my first paycheck breakdown for April. I have decided to open up and share more and create some videos. We get paid each week so we always have an income. We are both still working and receiving a paycheck from our employers. please excuse through background. I am new to this IGTV. Videos will get better. #budgetplanning #budgetplanner #blkwmnplan #budgetingismylife #livingmybestlife #debtfree #debtfreecommunity #debtfreejourney #financialfreedom #financialliteracy #finance #financialpeace #debtisdumb #cashisking #cashenvelopes #cashenvelopesystem #savings #savingmoney #moneysaving #moneygoals #moneysavingtips #moneysaver #moneysavingmom #savingschallenge


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Are you really quarantined if you didn't bake homemade bread? 😛 With everyone posting the things they're making from scratch during this time at home, I finally gave in and decided to have a go at it too. It's not perfect, but who bakes perfect bread the first time around? (Hint: not me) 😂 Who else is trying their hand at baking homemade things they normally wouldn't? 🙋🏼 What have you made?


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I have been getting a lot of questions regarding upcoming stimulus checks that you MIGHT receive. What we know: single adults who have an adjusted gross income of $75K or less will receive the full amount = $1,200. Married couples with no children earning $150K will receive $2,400. If you have children, you will get an additional $500 per child. Payments will start to decrease depending on your income. Payments stop altogether for single people earning $99K and married people with no children earning $198K. First, I want to say something really important. Please don't spend your stimulus check before you receive it. What I mean by that, is the worst thing you could do is go out and spend the money on your credit card for things you THINK you need, and then tell yourself, "well, I'll just pay it off with my stimulus check." It's crucial to have a plan for the money you might receive, but that plan doesn't mean spending it now. What does a dedicated plan look like for an upcoming stimulus check? Here are some options. If you have lost a job, or your income was significantly decreased, put it to good use by paying your bills or getting caught up on behind payments. Use it to replenish or build up your emergency fund or savings. Try working towards 6 weeks if you can, more depending on how much your income was affected. There are a lot of "what-ifs" so being prepared financially is critical. Once your emergency fund is funded, look at paying off high consumer debt. Starting with high-interest debt. Prepare for the future. The honest truth, we don't know how long it will take to start seeing "normal" again. Start preparing for larger spending events, such as Christmas. If you are financially stable, have a healthy emergency fund, and have little to no debt, think about supporting local businesses or donating to your favorite charity. Make sure you have a dedicated plan in place. Make saving a priority so you are prepared for the future. What do you plan to do with your stimulus check? #stimuluscheck


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March 30 - April 5 left side #BTP Spread. Since this lockdown I haven’t really been inspired for this week’s spread but decided to use 1 sticker book I had already and ended up liking it. It’s not over the top sticker crazy like I always do but minimal since I don’t really have much going on.. new video is up on my channel for this in my bio go check it out💖 • • • • • • #planning #planningcommunity #planningahead #planningforsuccess #planningmom #planninglife #planner #planneraccessories #planningaddict #mambi #stickers #cashenvelopes #cashenvelopesystem #happyplanner #happyplanneraddict #happyplannersquad #happyplannersisters #happyplannerchoosehappy #happyplannerminichoosehappy #happyplannerstickers #pastelplanner #weeklyspread #beforethepen #bighappyplanner #happyplanners #happyplannerhorizontal #thestargazer #stickerbook #pink


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March 30 - April 5 #BTP Spread. Since this lockdown I haven’t really been inspired for this week’s spread but decided to use 1 sticker book I had already and ended up liking it. It’s not over the top sticker crazy like I always do but minimal since I don’t really have much going on.. new video is up on my channel for this in my bio go check it out💖 • • • • • • #planning #planningcommunity #planningahead #planningforsuccess #planningmom #planninglife #planner #planneraccessories #planningaddict #mambi #stickers #cashenvelopes #cashenvelopesystem #happyplanner #happyplanneraddict #happyplannersquad #happyplannersisters #happyplannerchoosehappy #happyplannerminichoosehappy #happyplannerstickers #pastelplanner #weeklyspread #beforethepen #bighappyplanner #happyplanners #happyplannerhorizontal #thestargazer #stickerbook #pink


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March 30 - April 5 right side #BTP Spread. Since this lockdown I haven’t really been inspired for this week’s spread but decided to use 1 sticker book I had already and ended up liking it. It’s not over the top sticker crazy like I always do but minimal since I don’t really have much going on.. new video is up on my channel for this in my bio go check it out💖 • • • • • • #planning #planningcommunity #planningahead #planningforsuccess #planningmom #planninglife #planner #planneraccessories #planningaddict #mambi #stickers #cashenvelopes #cashenvelopesystem #happyplanner #happyplanneraddict #happyplannersquad #happyplannersisters #happyplannerchoosehappy #happyplannerminichoosehappy #happyplannerstickers #pastelplanner #weeklyspread #beforethepen #bighappyplanner #happyplanners #happyplannerhorizontal #thestargazer #stickerbook #pink


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• Mani • 💅🏼 ⁣ ⁣ Learning to do my own nails at home has been just one way that I have been able to lower expenses. ⁣ ⁣ I did have to first invest in the supplies. Then I got to thinking if this was really worth it... ⁣ ⁣ The answer is YES! I have saved so much since learning to do my nails at home. 💅🏼 A regular trip to the nail salon can range from $35-$50 every two weeks. Thats $1,200.00 a year on just manicures! 🤯⁣ ⁣ I enjoy giving myself a manicure, and something I enjoy more is paying myself with the money that I am no longer spending 😬⁣ ⁣ • I challenge you to find something in your daily life that you can substitute doing yourself, or even cut out of your expenses. ⁣ ⁣ — ⁣ What is something you have switched to DIY or have just cancelled? 🙅🏽‍♀️⁣ —⁣ .⁣ .⁣ ⁣ ⁣ ⁣ #debtisdumb #cashenvelopesystem #budgetjourney #debtfreegoals #budgetlife #thebudgetnista #budgetgoals #financialfreedom #budgetingtips #budgetbypaycheck #budgetwithme #livingonabudget #thebudgetmom #payingoffdebt #diynails #financialpeace #startabudget #payyourselffirst


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Now is a great time to learn to cut your own hair 💇🏻‍♀️ . Boss Girl Millionaire Rules: ▫️Save first; ▫️Invest early and often second; ▫️Spend third; And always live within your means! . ⭐️Check out my free PDF guide to wealth building, first link in my bio. Follow me @bossgirlmillionaire for more on money and investing. 💰


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Start now no matter how small a seed will grow! In these tuff times I recommend working on your budget: If you are Budgeting evaluate your current situation - Do you need minimalise your bills due to income cuts? - Do you have extra to save? - Can you take this time to reflect on your spending and improve your spending plans for future? If you are not working on a budget yet: - Start now - Even if you don't have much to save right now get yourself in the best possible position to start with a plan as soon as possible 😀 Join me Budgeting to Freedom www.budget-freedom.com


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Just uploaded part 1 of my Home Management Planner Set-up on my YouTube channel, go check it out! Link to my channel in my bio 👆


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So a week ago the world was turned upside down and lockdown was announced. Luckily at the moment neither mine or my partners jobs have been too affected. I am working from home whilst home schooling a 9 year old and my partner is still going to work as a key worker! We’ve sort of just adapted to our new ‘rules’ got a new routine for ourselves and so far so good!! How’s everyone else doing? Keeping on top of money or just closing the door on it and waiting til things get back to normal? #zerobasedbudget #zerobasedbudgeting #youvegotthis #budgetingbasics #budgetingforbeginners #budgetingmommy #budgetplanner #budgeting #cashenvelopes #cashenvelopesystem #budgetingatno40 #livingonabudget #budgetlife #budgetcommunity #mumonabudget #mummagotthis #gotthis #savingmoneyslowly #tbmfamily #tbmfamilymember #budgetingtips #staypositive #stayathome #anhouraday #multitaskingmumma


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Canada Student Loans payments are put on hold and will be interest free until the end of September. For me this frees up $218 a month as this is my minimum payment, with around $80 of that being interest. My original plan was to keep making payments interest free to pay it off more quickly, but then I decided to put those payments onto my credit card as it has a higher interest, as my student loan interest is very low. . I have 2 credit card at 19.99% one has a balance of $400 and the other is $5,000 so I will be focusing on these, it works out that regardless of the snowball or avalanche method these 2 CC’s are the first to be paid. So from Mar - Sept this $218 a month will go to my credit card balances for now. Is this what you suggest? What are you doing with your student loan payments that are being postponed until September?


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Win a custom set (of your choice) of 6 cash envelopes from my Etsy shop! Thank you all so much for helping me hit 100 followers on Instagram. I wanted to do a giveaway to thank you all and to bring some joy during this time. Here are the rules to enter: 1. Be following this Instagram 2. Like this post 3. Comment down below your favorite thing about using a cash based budget 4. Share this post on your Instagram stories and tag this Instagram AND/OR tag three friends in the comments I will be picking the winner on Friday April 3rd at 9am EST! So get your entries in! ✉️❤️✉️ . . . . . . . #cashenvelopesystem #cashenvelopes #cashenvelopegiveaway #giveaway #debtfreecommunity #debtfreejourney #debtfreegoals #etsyshop #etsysellersofinstagram #etsygiveaway


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Happy Monday!! Here’s my meal plan for the week!!! Meal planning has helped me out a lot!! Not just with the budget, but it also eliminates stress of trying to figure out what to cook. Do you have your meal planned for the week? #debtfreegoals #debtfreejourney #cashenvelopesystem #debtfreecommunity #mealprep #mealplanning


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Another cash envelope stuffing is up! Go check it out! Link to my channel is in my bio! #cashenvelopesystem #cashenvelopes #cashenvelopestuffing


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Happy Monday everyone! Cherrish the small moments and lets be grateful for another day! Join our #giveaway!! 3 winners, 3 awesome budget tools! To enter: 1. Like + follow @theaveragebudget 💜 2. Tag 3 of your budget buddies who can help you stay accountable! Thats it! #GIVEAWAY This giveaway will last until 04.01.2020🐰. Winners will be randomly selected that weekend and announced 04.03.2020. Please no giveaway accounts. Only available to U.S residents! #cashenvelopes #budgetenvelopes #laminatedenvelopes #daveramsey #daveramseybabysteps #babysteps #budgeting #cash #cashonly #etsy #etsyseller #handmade #etsyshop #etsyshopping #budgetlife #budgetplanner #cashenvelope #CashEnvelopes #cashenvelopesystem #cashenvelopewallet#cashenvelopes #cashenvelope #cashenvelopesystem #daveramsey #budget #budgetenvelopes #budgetlife #budgeting #etsy #etsyshop #handmade #debtfree #debtfreegoals #debtfreecommunity #debtfreejourney #cashonly #sidehustle #theaveragebudget #budgetenvelopes #laminatedenvelopes #daveramsey #daveramseybabysteps #babysteps #budgeting #cash #cashonly #etsyseller #etsyshopping


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Whether you’re trying to get debt free or save money, these worksheets are a great way to plan your savings and payments for the month. You can use these to create a plan for achieving your financial goals. They make a good visual aid for the end of the month too. You can flip back to them to quickly see how much you saved and how much debt you paid off. Having all of this information in one place really helped me stay organized and motivated. It also helped when reviewing my budget at month end! Use the link in my bio to view these and other budgeting tools. I’m also offering 20% off (no coupon code needed). #expenses #budget #budgeting #budgetlife #personalfinance #finance #money #cashenvelopes #frugal #frugallife #cashenvelopesystem #budgetbypaycheck #payday #monthlybudget #debtfree #nomoredebt #debtfreecommunity #saveallthemoney #daveramsey #budgetplanner #shopsmall #shopsmallbusiness


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Review✨ —— Everyday, I take about 10-15 minutes to go over my budget. I have my April budget planned out, and I know that with everything going on, things will likely change week to week. I plan my budget for each month and then break it down by paycheck. My income and expenses don’t fluctuate much, so I’m comfortable planning one month ahead. I use my Happy Planner to write out my budget every week and use the highlighter method to keep my different categories organized. Everything I use for budgeting is kept together in our office, including my @debtfreecharts - I’m a visual person and these help keep me motivated while paying off debt (plus they help make budgeting fun). Keeping everything together and organized and going over my budget daily helps me to feel better and on top of my finances. It also helps me see where I can improve and prepare better. It’s taken me a while to find a system that works for me, but so far this way of doing things has been extremely productive. —— What’s your budgeting system? #debtfreecommunity #debtfreejourney #budget #budgeting #thebudgetmom #debtfreecharts #makebudgetingfun #cashenvelopesystem #filofax #happyplanner #cashspender #budgetreview #stayorganized


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Good morning and happy Monday! ☀️ • Whatever your current situation is, I hope you are able to find happiness. 💕 • Just keep in mind that this will all be over eventually and we’re all going to get back to kicking ass and taking names. 🌈


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Okay I'm hopping on the monthly goals bandwagon with you guys 🙋‍♀️⁣⁣ ⁣⁣ Who else is making April goals? ⁣⁣ ⁣ ⁣⁣ ⁣ ⁣⁣⁣⁣ ⁣⁣ ⁣⁣⁣⁣ ⁣⁣⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣⁣⁣ ⁣⁣⁣⁣ ⁣⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣⁣ ⁣⁣⁣⁣ ⁣⁣⁣⁣ #budgetingtips #budgetplanning #personalfinanceforwomen #budgetnista⁣⁣ #budgets #budgettips #livingonabudget⁣⁣ #gazelleintense #budgeting101⁣⁣ #budgetliving #zerobasedbudget #grocerybudget #daveramseybudget #howtobudget #debtfreegoals⁣⁣ #debtfreeliving #debtfreedom⁣⁣ #babystep3 #financialpeace #debtpayoff⁣⁣ #cashenvelopes #cashenvelopesystem #sinkingfunds #budgetfriendly #firemovement⁣⁣ #retireearly #earlyretirement #dfc #dfj⁣⁣ #financiallyfree


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Monday’s video is now live on my channel! Come see how I’ve adjusted my budget amidst the crisis. Link is in my bio! ✉️✉️✉️ . . . . . . . #cashenvelopesystem #cashenvelopes #cashenvelope #monthlybudget #budgetwithme #debtfreecommunity #debtfreejourney #daveramseybabysteps #budgetplanning #budgeting


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Walk/ride around our neighbourhood and stone skimming.. our new daily routine. We did this a fair bit before but now it’s a daily occurrence.⁣ ⁣ What are you starting to do daily during this time? 💕


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4 years..... I can’t believe it has been 4 years already. ⁣ ⁣ I debated on whether to say anything or not, but I decided to. ⁣ ⁣ Today is the 4 year anniversary of my late husband losing his fight to cancer. It doesn’t seem like a long time. But it is 48 months or 208 weeks or 1460 days or 35,040 hours or millions of minutes and seconds. ⁣ ⁣ That is how long I have had to be a single mom of two adorable kiddos. ⁣ It took about half that time to wake up again and really open my eyes to the world instead of faking smiles and laughs. ⁣ ********⁣ I met John in the Army my first day deployed to Iraq. We didn’t like each other at first, but after 9 months we became friends and about a year of knowing each other we started to (secretly) date. (He outranked me so we technically weren’t suppose to date). After our second deployment and a year and half of dating, we moved in together. He got out of the Army and waited another year for me to get out.⁣ ⁣ He moved with me back to AZ and we got married after 2 years. Then Riley came 10 months later and Colt followed barely a year after that. When Colt was barely a year old, John was diagnosed. He fought long and hard and In March of 2016 he lost his fight. I wasn’t even 30 and my littles were only 2 and 3. ⁣ ⁣ I remember just standing in the shower and wondering “why me?” “What did I or John do to deserve this?” But there was no answer. So I just had to stand up, be strong and keep going. I had 2 kids. I had to stay busy. Keep my mind occupied and I would get through this. ⁣ ⁣ And I did. I find myself 4 years later, missing my John, but living my life. ⁣ ⁣ I have found love again and I find myself smiling and happy for life. I find myself living not just for my kids, but for myself as well. My kids are happy and we still talk about John and how we all miss him. I found a great guy who doesn’t mind that my kids mention another man, he holds them as they cry and corrects them when they need it. He supports me and my babies. ⁣ ⁣ We celebrate Johns birthday and celebrate his life. We still cry when the emotions are overwhelming but we try and remember the good times..... because there were so many good times. ❤️❤️😇⁣


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Envelopes available @ www.brendalanae.com. #cashenvelopesystem #budgeting #budget #money #savings #bills


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My mini hp and my DIY happy notes


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My latest DIY, a personal size disc notebook inspired by @the_happy_planner happy notes


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Hey everyone, I'm running a 20% off sale on all the sets on my shop! Go check them out. I do hope everyone is doing well even with everything is going on. I hope your families and friends are doing good and healthy. #cashenvelopes #cashenvelopesystem #daveramseysystem #ahorrardinero #cashenvelope #cashspender #budget #budgetingtips #debtfreecommunity #savingmoney #plannercommunity #planner #planneraddict #etsyseller #cute #handmade #etsy #wallet #gracefullopes #new #cashinserts #moneyinserts #sinkingfunds #sinkingfund #coupon #coupons #couponingstorage


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💎DEAL ALERT💎⁣ 𝗪𝗲 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗼𝗳𝗳𝗲𝗿 𝗮 𝗴𝗿𝗲𝗮𝘁 𝗱𝗲𝗮𝗹 𝗳𝗼𝗿 𝘁𝗵𝗼𝘀𝗲 𝗼𝗳 𝘆𝗼𝘂 𝘄𝗵𝗼 𝘄𝗮𝗻𝘁 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘆𝗼𝘂𝗿 #𝗖𝗮𝘀𝗵𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴𝗦𝘆𝘀𝘁𝗲𝗺⁣ ⁣ Buy an LW Planner Wallet⁣ Get 5️⃣ Zip Binder Pockets & a pack of 25 Budget Sheets for {𝗙-𝗥-𝗘-𝗘}!⁣ ⁣ 🎉$82.97 value for $54.99‼️ ⏰Sale ends 03/30/2020 @11:59pm EST ‼️Add all 3 items in cart, discount taken at checkout.


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