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My 2nd YouTube video is now live!!! The link is in my bio. I can’t believe how many of you watched my last video all the way through. I expected no one to watch it 🙊. Thank you to anyone who watched it all the way through and subscribed!!! It really helps me out with the YouTube algorithm 👊🏼 I tried to improve a few things!! I was able to work out how to make my video take up the entire screen. I thought I would try getting up early to do my recording so my voice was less croaky ... epic fail 🤦🏻‍♀️. . . . . #debtfreecommunity #debtfreejourney #debtfree #financialfreedom #financialindependence #ozdebtfreecommunity #savings #saving #frugal #frugalliving #budgeting #investing #stockmarket #ficommunity #passiveincome #networth #firemovement #firecommunity #personalfinance #financialpeace #retireearly #financeblogger #daveramsay #barefootinvestor #bfi #youtube


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It’s the end of the month and all of my payments have cleared so it’s time to close out my March budget! I was able to pay off 4.3% of my debt this month thanks to my tax refund which increased my net worth 5.1% since last month! I was nervous since my retirement account decreased about $3k but my extra debt payments this month really paid off (literally)! Now it’s time to plan for April and hopefully sell our home! 🤞🏼 How is everyone’s budgets looking this month?! . . . #budget #budgetlife #budgetjourney #debt #debtfree #debtfreejourney #debtfreecommunity #dfc #bbp #bbpworkbook #tbm #thebudgetmom #daveramsay #babysteps #babystep2 #mentalhealth #anxiety #depression #coronavirus #covid_19 #debtpayoff #debtpayoffcalculator #vertex42 #nospend #nospendmarch #quarantine #wfh #cash #money #networth


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Did you know that stores rotate their sales every 12 weeks? So basically if you know the lowest sale price of something, when it goes on sale- buy enough to last your family 12 weeks and by then it will be on sale again and you will NEVER PAY FULL PRICE AGAIN! #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan #neverfullprice #savings #12weeks Learn more at our blog: http://www.what8ate.com


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Well...my husband lost his job today 😫Like so many others, the Pharmacy where he works isn’t doing enough business to stay open. We were hoping he would be safe, being an “essential” service, but head office is closing the quieter stores for now. Brisbane city is just empty! Once this is over and they re-open, he has a job to go back to - but who knows when that will be 🤷🏼‍♀️ There goes all of our grand plans to be credit card debt free by July and consumer debt free by Dec! 😭 But at least he has some annual leave to be paid out in April, and he can return there eventually. We are luckier than many! 🙏🏻 Gosh these are scary times though - we will cut back on our #debtsnowball and everyday expenses for now and should be ok ❤️ I have updated our zero-based budgets for the next few months - amazing how we can find more ways to cut back when the pressure is really on 🤦🏼‍♀️ Just want this debt gone and our #BS2 & 3 finished - never again will we be so cavalier with our Finances!! #thankscovid19 #alifegained #scarytimes #debtfreejourney #debtfreecommunity #babysteps #lessonslearned #daveramsay


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Another one of our annual goals is to invest $10,000 💁🏻‍♀️. I’m considering increasing this with the current market decline 🤔. What is everyone else doing??? . . . . #debtfreecommunity #debtfreejourney #debtfree #financialfreedom #financialindependence #ozdebtfreecommunity #savings #saving #frugal #frugalliving #budgeting #investing #stockmarket #ficommunity #passiveincome #networth #firemovement #firecommunity #personalfinance #financialpeace #retireearly #financeblogger #daveramsay #barefootinvestor #bfi #youtube


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One of our goals for 2020 is to save $15000 for our emergency fund!!!! We are quite not on track but that’s because I have invested a little more in the stock market than usual. At the moment our incomes haven’t been affected my Covid-19 but that could change if we go into a full lock down. I’m actually considering reducing the $15000 to maybe $1000 so we can invest more into the stock market 🤔 I chat about our goals in my next YouTube video that will be live on Tuesday!!! Link is in my bio 💕 . . . . . #debtfreecommunity #debtfreejourney #debtfree #financialfreedom #financialindependence #ozdebtfreecommunity #savings #saving #frugal #frugalliving #budgeting #investing #stockmarket #ficommunity #passiveincome #networth #firemovement #firecommunity #personalfinance #financialpeace #retireearly #financeblogger #daveramsay #barefootinvestor #bfi #youtube #emergencyfund


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This is my favorite finance quote!! What’s yours?? This quote is the sign off on my YouTube videos. I’m not sure where it first originated from but I know Paul Clitheroe use to say it a lot!!!! . . . . #debtfreecommunity #debtfreejourney #debtfree #financialfreedom #financialindependence #ozdebtfreecommunity #savings #saving #frugal #frugalliving #budgeting #investing #stockmarket #ficommunity #passiveincome #networth #firemovement #firecommunity #personalfinance #financialpeace #retireearly #financeblogger #daveramsay #barefootinvestor #bfi #youtube


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There’s many different ways to pay down debt. First up is The Debt Snowball. This method focuses on paying off the smallest debt first. This allows you to knock off your smallest debts as quickly as possible, which keeps you motivated. As you pay off these small balances this will allow you to put more money towards your larger debts and before you know it- you’ll be debt free! #debtsnowball #debtrepayment #debtfree #daveramsay #financialadvise #canadalife #tip #financialtip #AthertonFinancialGroup


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Cooking & Baking will save you lots of money by not having to buy pre-made foods, plus it's more healthy to make your own and not have as much processed ingredients. (If you can't pronounce the ingredients you probably shouldn't eat them) Check out some of our tutorial recipe videos on youtube: www.youtube.com/atozformomslikeme #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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You might have seen my stories. My fridge has 95% packed up, we've owned it for 7 years after buying it second hand. Its working but the temperature is hovering around 10°, despite being on the coldest setting. The freezer usually has ice around the back near the fan and that's defrosted too. So i bit the bullet and we've ordered a new fridge which will arrive on Saturday morning. 👍thank goodness for an emergency fund. 🌱I have a mini emergency fund which is $1500, which i dipped into today. 🌿I also have a second emergency fund which is 6 months worth of expenses, which i haven't reached yet. Hopefully i can replenish both emergency funds by the end of the year. How are your emergency funds looking? Do you have 1 emergency fund or multiple like me? #emergencyfund #ohshitfund #omgfund #bfi #daveramsay #babystep1 #sotm #shesonthemoney #befinanciallyready #money #moneydrama #emergfund


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RAW & REAL 😥. . Tonight I’m feeling very overwhelmed, agitated and stressed. In light of being open and honest with my followers here’s why: 💫 as a frontline healthcare worker (nurse) I can’t escape the reality that is Covid-19. It’s at work. It’s on the news at home. It’s everywhere. 💫 I’m back on night duties at work and was unable to sleep today. 💫 although we are more financially secure than we were 6 months ago, we still aren’t fully secure. 💫 Social Isolation: although I don’t have the luxury of staying home, I’ve had to tell my mum it’s best I stay away from her until this all blows over as she is immunocompromised after chemo. Who knows when I’ll see her next. 💫 Mr R’s job is secure however it is classed as “non-essential”. We haven’t yet heard when and if they will cease operation, but I’m certain it’s coming. 💫 Many of my friends and family have either lost jobs or lost income in the last 48 hours, my heart breaks for them. 💫 and lastly, our second cycle of TTC was unsuccessful. While this gives us another month of trying it also saddens me at the same time. Yes I know it takes time, please don’t come at me if you don’t know my back story regarding this 😔. . . #rawandreal #rawandhonest #anxious #covid_19 #debtfreecommunity #supportoneanother #debtfreejourney #debtsnowball #barefootinvestor #daveramsay #emergencyfund #nurselife #nursingduringcovid


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My very first YouTube video is now live!!! Click on the link in my bio. Let me know what you think ..... or don’t 😜. I know it’s far from perfect but if I waited for it to be perfect I would never upload it. I’m proud of myself for trying something new and giving it a go. I didn’t realize that the video didn’t quite fit the screen but I have now fixed that in my next video. I’m really not happy with the audio, it sounds a bit too scripted. Plus I think I sound terrible, but I think everyone thinks that about their own voice. Subscribe to follow not only my finance journey but also my attempt to before a YouTuber 🤞🏼 . . . . . . #debtfreecommunity #debtfreejourney #debtfree #financialfreedom #financialindependence #ozdebtfreecommunity #savings #saving #frugal #frugalliving #budgeting #investing #stockmarket #ficommunity #passiveincome #networth #firemovement #firecommunity #personalfinance #financialpeace #retireearly #financeblogger #daveramsay #barefootinvestor #bfi #youtube


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Canned fruits & veggies wont spoil like fresh ones will. These are great for food storage! Even better than canned is freeze dried! They have a 25-30 year shelf life and more nutrients than canned foods. You can check out some food options at: www.what8ate.thrivelife.com #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more: http://www.what8ate.thrivelife.com


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UNPOPULAR OPINION ⚠️. . I moved my super back to a conservative balanced portfolio. But let me tell you why. . I have been nursing full time for 7 years. My super balance got to $30k 🎉. However I noticed my old superfund wasn’t performing well, I changed funds at the end of February and placed all my money in a high growth portfolio. Initially it performed so well I was super impressed 😉. Then two weeks later along came corona virus and since then I have lost almost $7k in super. You do the maths if this was to go on as long as it’s projected to. . Now I understand that means I compound the loss and the gains won’t be as significant when the market recovers. But you know what? That’s okay! I have time. But what I don’t want, is to start over when this lasts more than predicted. So my strategy from here on in, is to be conservative and protect what I have left. . If and when the market recovers and is consistently performing well, I will look into a higher risk investment portfolio. But for now I am content with my decision of protecting what I have left. I want to retire comfortably one day in the far distant future 💰. . . #superannuation #super #investmentportfolio #investing #stackyamoney #barefootinvestor #daveramsay #protectivemode #frugal #lowrisk #retirement #debtfreecommunity #debtfreejourney #ausdebtfree


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Here’s a snapshot of finances from my first YouTube video going live tomorrow!!!! It took me a very long time to make this video so our numbers have gone down quite a lot since I made this vid!!!!! I’m scared to check 😱. Who’s been looking at their super/retirement balance??? I know I’m going to have to to do our March net worth update 😳 . . . . #debtfreecommunity #debtfreejourney #debtfree #financialfreedom #financialindependence #ozdebtfreecommunity #savings #saving #frugal #frugalliving #budgeting #investing #stockmarket #ficommunity #passiveincome #networth #firemovement #firecommunity #personalfinance #financialpeace #retireearly #financeblogger #daveramsay #barefootinvestor #bfi


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CHANGE IS A GOOD THING 🎉. . Especially if it saves us money! The last two weeks we have done our meat shop at a local butchers and supported local small business. We then got veggies, fruit, salad, work snacks and other food and household essentials from woolworths. . This did mean less @woolworthsrewards points however it did save us some serious money, and over time this will save us a lot of money, plus support our local butchers! . We have also found we get better quality meat and better value by shopping at the butcher. We have enough meat stashed in the freezer to last a while. . We aim to keep doing this! Boring post but it may help someone! . . #frugaleats #savvyeat #savingmoney #moneywin #barefootinvestor #daveramsay #groceryshop #debtfreecommunity #debtfreejourney #ausdebtfreecommunity #ausdebtfreejourney #changeisgood


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The one good thing about still having to pay bills during this quarantine is that it gives me something to do 🤣 I’m very lucky that my job is still paying me throughout all of this but I’m definitely already going stir crazy after just 3 days. I have the pups keeping me busy and have been taking advantage of the nice weather with lots of long walks with them, too! How are you all handling this time? Please remember to check in on your loved ones AND YOURSELF. Mental health sufferers really struggle during times like these so be sure to take time for yourself, and even though we should be staying home to keep ourselves and others healthy, it’s okay to go for walks and enjoy the outdoors. You have no idea how much that can help! 🥰 . . . #budget #budgetlife #budgetjourney #debt #debtfree #debtfreejourney #debtfreecommunity #dfc #bbp #bbpworkbook #tbm #thebudgetmom #daveramsay #babysteps #babystep2 #mentalhealth #anxiety #depression #coronavirus #covid_19 #debtpayoff #debtpayoffcalculator #vertex42 #nospend #nospendmarch #quarantine #wfh #dogs #puppies #shihtzu


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Worked in creating my half payment budget. Wanted to try out how splitting my bills in half for every paycheck worked out. Check our my YouTube video where I go through all this. Link will be in the description! How do you guys pay your bills once you get paid? Do you split in half or paycheck to paycheck? . . . . . . . . . . . #budget #cash envelope #cashenvelope #cashsfuffing #debt #debtfreejourney #dfc #happyplanner #Thehappyplanner #planners #cash #envelopesystem #cashenvelopes #cashenvelopestuffing #cash envelope #cashenvelope #Thehappyplanner #planners #envelope #debtfreecommunity #debtfree #daveramsay #snowball #debtsnowball #halfpayment


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Strange times we are going through right now, strange times!!! Been quiet on the gram, nothing wrong just honestly trying to process the 🤯🤯 going on right now. Last Friday my eldests Age Nationals next month was cancelled - understandable, had become expected but still a really disappointing end to 10mths of hard work and 4.10am alarms and she’s going so so good right now with no chance to race rested and see just what she is capable of 😢 How’s this for irony too - we got the news while sat at the drs office getting clearance for her asthma meds to give to ASADA incase she was drug tested at nationals! 🤦🏻‍♀️ We hoped initially to visit Perth anyway and finally explore WA, plus support the local small businesses and accommodation owner we had booked with but with things escalating too fast we finally cancelled the whole trip today and began trying to get refunds 💔 Posting on social media seems weird - life is in limbo for everyone right now, waiting to be locked down at home, watching how this develops across the globe, trying to keep my kids healthy and happy and wondering wtf my mum should do - return home early or stay and do her lockdown here?! I have some plans for lockdown in my mind - jobs we want to get done, plans to keep us entertained and not too sloth like, I will share if these plans have to come into fruition. For now though, take care of yourselves (mentally & physically) do whatever you have to to prepare for your family (& ignore whatever crap Karen has to say about your efforts, back off Karen no one is interested in your input!) keep an eye out for neighbours and all those nearest and dearest to you & my heart goes out to all those of you with job uncertainty adding to your woes. Hope you find the TP too - rarer than a freaking unicorn these days 🤷‍♀️🧻 #coronavirus #stormcloudsmode #budgeting #emergency #daveramsay #thebarefootinvestor #largefamily #largefamilylogistics #organised #fivekids #frugal #frugalaussiemum #prepared #unsettlingtimesrightnow #singlemum #sahm #covid_19 #wtf2020


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Hi guys, hope you’re all well a staying safe! ☺️ - It had been so long since I’d eaten proper salad! And, let me tell you, this really hit the spot. 🤤it’s almost a Greek salad in that it’s got tomato, cucumber, red onion and feta. But I also chucked in some salad leaves to bulk it up, spinach and olives with sun dried tomatoes. It was DIVINE! The meat is turkey breast (which I don’t like cause it’s dry AF but obviously there was no chicken when I got to the supermarket 🙄) and I marinated it in some peri-peri sauce, which made it edible! 😁


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🥑 WEEKLY GROCERIES 🥑 . Well under budget!! 🙌🏻🎉 Not sure if that's cause there is nothing left on the shelves or because I feel judged if it looks like i'm buying too much 😂 . Anyways... This weeks total is $15 under, that $15.00 will go towards my goal of saving $1500 this month! 💫 . I have been a little quiet on here, I think in these crazy times I'm just retreating a little and looking after myself first and foremost 🥰 . #jrf #jrfchallengeresults #jrfchallenge #mealprep #keto #ketomealprep #groceryshop #eatmorenotless #budget #weeklybudget #debtfreecommunity #dfc #ozdebtfree #goals #moneygoals #debtfreeliving #debtfree #bfi #daveramsay


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INETEREST RATE CUT ✂️. . With the RBA announcing interest rate cuts recently @up_banking announced they were reducing their interest rate from 2.25% down to 2.00% (criteria of making 5 transactions in a month applies for bonus interest). . Am I going to withdraw my money from #upbank ? NO! I love the features and user friendliness of up bank. I think they’re great. I use up banks spending account for my splurge money and I use their savers for both my @shesonthemoneyaus $1000 hack & to track and save my income made through side hustles (roundups go in to this saver). . I feel like a vast majority of up banks features focus on spending and user accountability, which for me has been a game changer! *IF YOU WOULD LIKE A REFERRAL TO START USING UP BANK DM ME OR CLICK THE LINK IN MY BIO + WE BOTH RECEIVE FREE MONEY 💰. . We are yet to hear whether our main main bank @bankofqueensland will be following suit...watch this space! My daily expenses and smile account, along with our joint bills account and house deposit/future savings account are all with #BOQ. . . #interestratecuts #rba #shesonthemoney #daveramsay #debtsnowball #bankingsetup #barefootinvestor #moneygoals #savingsgoals #sidehustle #debtfreecommunity #ausdebtfreecommunity #ausdebtfreejourney #fireproject


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Cooking things from scratch will cost a lot less than store bought. Bonus: you'll know exactly what's in it and be able to avoid preservatives or added colors/flavors/fillers. Don't know how? Pinterest & Youtube are great resources! We have both with a lot of our recipes! #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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Did you know that older and bruised fruit usually makes better jam? There's recipes on our blog, as well as inside the box of pectin used to make jam. It's super easy! #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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YESSSSSS 🙌🏻 Decided to settle my loan today, so my car is finally paid in full. It is officially MINE. And 1.5 years earlier than expected. So happy!


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Just team tiny shovel for a while. . . After taking care of the mortgage and leaving $300 for personal disposable income (fortnight), I've decided $100 overpayment is a good amount. . . I've 'saved' $450 for bargain shares, which I intend to purchase once my trading account is unblocked (after forgetting to have enough money in there for trades already made). . . Then the following month we will be looking to beefing up our deposit as much as possible for new property purchase!! . . So many plans! Are you working on mutiple plans this March? How are you allocating your moneys?! Will it change next month?? . . #debtfreecommunity #debtfreejourney #dfc #dfj #daveramsay #barefootinvestor


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Thanks a lot COVID-19 😅 it's a fkn bloodbath in the share market right now - over $2k down in a month. BUT these shares are for retirement so it's the perfect time to buy! We put in $100/week plus our spending account round ups so we are buying at a huge discount right now. I actually hope it keeps dropping for a while to make the most of it 😂 Anyone else buying up big in this sale? #ozdebtfreecommunity #barefootinvestor #shares #stocks #daveramsay #investments


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WHAT IM CURRENTLY READING 📖. . . A few weeks ago I paid $2 (my local council is stingy) to reserve Canna Campbell’s (@sugarmammatv) Mindful Money at my local council library. I got a txt saying it was ready to pick up this morning, so off to the library I went! Why buy when you can borrow? 🤷🏼‍♀️. . I absolutely loved the last finance book I read, The #barefootinvestor by Scott Pape, and this is what really started and inspired my journey to debt freedom and financial independence 💰. So I absolutely can’t wait to gain more financial literacy through reading books like these! . Any other book suggestions I should know about? . . #debtfreejourney #debtfreecommunity #sugarmummatv #mindfulmoney #daveramsay #ausdebtfree #ausdebtfreecommunity #ausdebrfreejourney #financialliteracy #financebooks #personalfinance #moneystory #shesonthemoney #librarybook #borrowdontbuy #frugal


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WOOHOO ITS PAYDAY 🥳. . Last pay I focused on paying for my car repairs. I did this without taking from my emergency fund by cash flowing from smile and splurge, which worked well for me and meant I could focus on debt snowball again sooner. ☃️. . This fortnight’s pay is being directed towards filling up my barefoot buckets again. Here’s my split this fortnight: Daily Expenses ⛽️🍏: $279. Bills 🧾: $840. Smile 🏝: $186. Splurge 🍟: $144. Fire Extinguisher 🧯: $410. . One of the best things about #barefootinvestor is you can adapt it to suit your goals, and I do this often. I alter the percentages of splurge and fire extinguisher (usually less in splurge and more in fire extinguisher) to reflect and meet my financial goals. . . #daveramsay #shesonthemoney #payday #barefootbuckets #smile #splurge #moneygoals #moneywin #debtfreejourney #ausdebtfreejourney #debtfreecommunity #ausdebtfreecommunity #debtsnowball #gettingoutofdebt


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Sometimes a takeaway is needed. Although we've recently started to just share a portion of curry and rice which keeps the costs down 🤑 #money #savingmoney #saving #goals #finances #earningmoney #frugalliving #savemoneylivebetter #debtfreejourney #debtfreeliving #ukdebtfree #moneysaver #personalfinance #daveramsay


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What our budgetting looks like for the fortnight (for my partner anyway)! . . So blessed we could fit all this in a single paycheck (altough sticking to a strict $150 per week disposable income can be tricky sometimes). . . He's paycheck is strictly for his half of mortgage, all utilities, car bills (include rego and licence), his disposable income, home insurances, council rates, health insurance and other health related things such as out of pocket dental ($480 today)! (And extra mortgage payments if there's any left! Altough I try to do minimum $50/fn overpayment each paycheck) . . My paycheck covers: my half of the mortgage, weekly fuel, groceries, gym, shares investint, my health cover and my personal $150/week disposable income. . . How do you split your expenses if you're both working? Also what health cover are you with? We're with HBF extras cover (no hospital), altough we originally wanted to include hospital cover once we turned 30, but we may need to get out wisdom teeth removed and this will require hospital cover... Please help!! Any suggestions will be great!! Tia!! 😄 . . #debtfreecommunity #debtfreejourney #dfc #dfj #daveramsay #barefootinvestor #budgetting #frugal


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This!!! 🙌🏻🙌🏻 Nailed it @_laurabentley_!! Frugal doesn’t mean broke, I’m frugal but sold our family home after separation and have 6 figures of savings I just have no intention of blowing through it, in fact I’d like to see it grow while living life to OUR priorities (which are most likely different to Laura’s, or yours, or my ex’s because we are all DIFFERENT people in DIFFERENT situations and DIFFERENT stages of life!) I fully intend to be a homeowner again as a single mama and that’s going to take patience and commitment! Frugal also doesn’t mean extreme cheapskate or really anything negative I don’t think - choosing very carefully and specifically where to send our money and where NOT to send our money is in my opinion the simplest way to be smart in our lives! Go to @_laurabentley_’s page to read her full words 😍 #savingmoney #budgeting #frugal #frugalaussiemum #budgetmum #sinkingfunds #tellingmymoneywheretogo #organised #zerodebt #daveramsay #zerodebt #debtfree #thebarefootinvestor #singlemum #stretchingourmoney


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Anybody else? Grab this card from the shop and/or tag your spouse below! 〰️ 〰️ 〰️ #femalefoundedetx #marginsocialclub #marriage #anniversary #greetingcard #colordots #coffee #daveramsay #longviewtx


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Look for those stickers! Stores may use different names such as: Clearance, Manager's Special, Reduced, Special, Discount, etc. Learn what the sticker looks like for your store and watch for it. Also, some stores have specific days/times/locations for their reduced price items. #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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So I know there are many of you who follow The Total Money Makeover (Dave Ramsay) and The Barefoot Investor (Scott Pape) methods, which advise against owning a credit card.. but I honestly find having one is highly valuable to me • ✈️ The first time I ever received a credit card was sometime in 2014 before I travelled overseas to South Korea. I recall applying via my bank as a backup method in the case I ran out of money. Luckily enough, I didn’t need to use it. I don’t recall ever having any issues with my credit card in terms of being unable to make repayments. It has helped me in times where I needed to make purchases I didn’t have the funds for at the time, and I quickly repaid the amount the moment I received my pay (mostly when I was a struggling and broke university student) • 🌎 Fast forward to 2017, I learned that several of my close friends owned credit cards so they could collect Qantas Frequent Flyer (QFF) Points. In fact, many of them have managed to pay for flights using points alone. I was intrigued. I was sold. Who doesn’t want to fly around the world for free? • 💳 Since then I have switched over to a credit card that would earn me QFF Points with eligible purchases. I pay all of my bills with my credit card and allocate the same amount into a high-interest savings account to earn interest during the month. All purchases on the card have a 55 day interest-free period which I have never missed. Prior to the end of the month, I pay off the total amount meaning I don’t pay any interest, PLUS I’ve earned interest by having that amount sitting in my savings account, AND I’ve earned QFF Points. Win-win situation! • 💰 Of course owning a credit card can require an incredible amount of self-control and it’s certainly not for everyone, but all of our financial situations are unique and only you know what is best for your goals! Happy hacking to those who follow this method ✌🏼


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As everyone knows, the share market has declined heavily since the Corona Virus outbreak. 📉 . . Absolutely taking advantage of the bargain shares on the market atm! 💰 . . 2/3 of the total amount invested took place in the last fortnight!!! I actually decided to scale back on our shares investment, as we were planning to dramactically increase our home deposit for a place closer to work/city. . . However, couldn't resist in the last fortnight. I think we will continue to throw funds at cheap shares, everytime it drops (when our paychecks arrive). . . It is time in the market, rather than timing the market! And plus, loads of money was made during economy downturns; just doing the best thing, for right now! . . #debtfreecommunity #dfc #dfj #daveramsay #barefootinvestor #budgetting #shares


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I always advise to plan 10 meals/week. But there's only 7 days? The reason I advise 10 meals is because as you get down to the last couple of days you don't want to be left with only 1-2 choices…. What if neither sounds good? If you plan for 10 meals then even on the last day you have 4 options to choose from. Then the extra 3 meals can be used as lunch on Sat/Sun, or for the next week, or added to your food storage supply. #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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New patterns in the shop! Same price! $1 Laminated Cash Envelopes to build your own set! Super handy for a #debtfreejourney and as always I like to keep the prices low since we’re trying to budget, and there’s no need spend a lot to have a pretty way to do it! As always Happy Planner punch and 6 hole punch available for only $0.25 more. You can find the link to my Etsy shop in my bio! . . . #laminatedcashenvelopes #debtfreejourney #debtfreecommunity #debtfree #debtfreegoals #debtfreescream #daveramsay #daveramsaybabysyeps #etsyseller #budgeting #planning #happyplanner #filofax #frasersfarmhouse #madeincanada


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All thanks to you guys!! I feel like I’m dreaming! 200 sales in 3 months! Thank you to everyone who ordered! You’ve made this pipe dream become a fun reality! And I got to know our postal workers really well, an added bonus. A fun fact for the day, Etsy does not believe North Bay exists so I have to put that I’m located in Sudbury, very strange. . . . #budgeting #cashenvelopes #daveramsay #daveramsaybabysteps #debtfreecommunity #debtfreejourney #frasersfarmhouse #canadianetsyseller #northbayontario #smallbusiness #budgetjourney #grateful


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Which option do you prefer? Comment down below👇 Follow me 👉 @thefinanciallyliterate After reading through a couple budget guides and have just finished reading the barefoot investor, it seems that commonly there is two options when setting a budget. For those who find they don’t have time for analysing there spending consistently, you can automate your finances from your pay each pay cycle. Using a method such as the 60% expenses, 10% splurge (for spending on whatever you want, 10% on short term holidays or purchases and 20% towards debt or house deposit etc from the barefoot investor or you may have seen the 50 20 20 10 rule, you set up auto payments into different accounts and revise once a month or so. The other alternative is to analyse expenses frequently and try to stick to a much stricter budget and increase your wins. They both overlap at times but knowing how you work is quite crucial, if you find it stressful to analyse frequently, try the more automated approach, it may work better for you. . . . . . #thefinanciallyliterate #barefoot #barefootinvestor #budget #budgeting #budgettips #money #managemoney #save #savings #personalfinance #daveramsay #daveramseybabysteps #manageyourmoney #budgeting101 #savingschallenge #savingsgoals #frugalliving #frugal #frugallife


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🥑 WEEKLY GROCERIES 🥑 . Well... this morning I watched grown ass adults RUN for toilet paper. I'm so glad my local store has reduced the limit to one per person. The poor store manager was being abused by people in the toilet paper aisle 🙄 . Anyways... This weeks total is JUST over but it includes some supplies for a housewarming this weekend so i'm not mad 💫 . Did anyone manage to pick up some toilet paper this weekend? . #jrf #jrfchallengeresults #jrfchallenge #mealprep #keto #ketomealprep #groceryshop #eatmorenotless #budget #weeklybudget #debtfreecommunity #dfc #ozdebtfree #goals #moneygoals #debtfreeliving #debtfree #bfi #daveramsay


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I was surprised to discover that our net worth had increased by a whopping $100k when I checked our finance app. It turns out that our area has had a jump in value, particularly in houses in our price range, consequently increasing the value of our home. This is in line with what our real-estate agent recently valued our home at (we get our home valued twice a year). I love our humble little home that much more because it’s not only our oasis from the world but is also our nest egg for the future. Though not in our desired suburb at the time of purchase, it shows how thorough research, forward thinking and a lot of patience can provide long term financial gain. . . . #goodthingscometothosewhowait #goodthingsarecoming #workforit #tinyhome #humblehome #simplicity #secondhandeconomy #minimalistlifestyle #lessismore #reducereuserecycle #networth #daveramsay #adventureawaits


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Case lot sales are great! But make sure you're checking the individual prices too- not all case lots are a great deal. Just because it's in a case doesn't mean it's a huge discount. The same goes for purchasing in bulk at Costco or Sams Club. #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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Our AC is PAID OFF!!!! This is such a relief. No more of OUR hard earned money going to this loan. It is such an awesome feeling!!! #debtfreecommunity #debtfreejourney #financialfreedom #financialgoals2020 #daveramsay #daveramsaybabysteps #babystep2


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BUDGET & TRACKING SPENDING 💸. . I’m all about the purvey stuff when it comes to budgets and spending 👀. . This is my fortnightly budget for all my committed and compulsory expenses + my banking set up following #barefootinvestor . . Aiming to reduce these expenses through paying out my loans and in time paying out my Optus devices and change to an ALDI sim 🙌🏼. . SWIPE to see me track the second side to my daily expenses (60% of income - Bills = money for fuel/groceries/parking and misc). . This is the first time I have tracked this account and I am super proud of my efforts. My pay cycle rolls over tomorrow night so it’s the end of one pay fortnight and the beginning of another. Ya girl is in a small SURPLUS this fortnight 🎉. . Bring on payday on Wednesday 💸. . . #budget #trackingspending #surplus #moneygoals #moneystory #shesonthemoney #daveramsay #debtfreecommunity #debtfreejourney #ausdebtfreecommunity #ausdebtfreejourney #ausdebtfree #budgetgoals #fixingmyfinances #debtsnowball #reducingexpenses


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Today you can get coupons in tons of places- digital coupons, printable, mail, in store, etc. take advantage of them! One website I used to use when I was first learning how coupons work is: www.grocerysmarts.com - it breaks down the best deals by store and coupons and tells you where to get the coupons. Learn more about coupons and how to use them to maximize savings on our blog. #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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Check the weekly store sales. Knowledge is MONEY! Knowing the sales will help you know when the sales are a big savings vs a small savings. Check out our Budget & Coupon pages on the blog for some helpful tips to stretch your dollar further. #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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EBAY SELLING 💸. . . After not a lot of luck on Facebook Marketplace lately I have decided to try my luck with decluttering and selling on Ebay. So far I have listed 3 items 🌱. . Share your tips and tricks for decluttering and selling on eBay! If you follow #barefootinvestor, where do you take the cost of postage from? And I mean at the point of sale at the post office? . I love a good side hustle opportunity and am hoping this turns out well! . . #sidehustle #sidegig #shesonthemoney #daveramsay #ebay #reselling #thrifty #thriftymilennial #debtfreecommunity #debtfreejourney #ausdebtfreecommunity #ausdebtfreejourney #decluttering #mojo #the1000dollarproject


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As of now we have $700 left to pay on our AC!!!! This time last year, our AC loan was $14000! #debtfreecommunity #babystep2 #daveramsay #daveramseybabysteps #financialfreedom #financialdiscipline


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I’m a huge reader. I don’t even want to think about how much I spent on books last year 🙈 but this year so far I’ve saved over £50 just by using my local library! It’s a little saving that totally adds up #budgeting #budgetingtips #budgetplanner #debtfreejourney #debtfreecommunity #debtfreecommunityuk #moneymatters #thebudgetmom #daveramsay


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Pay day and my tax refund came in the same week so a hefty, painful debt payment was made and I’m just trying breathe of a sigh of relief over here 😂 It feels good to be able to say that I was able to plan out my budget and make such a big payment towards my PayPal card. I also worked on march’s budget and getting caught up on my expense tracker. Going for eye surgery tomorrow so I’m glad to have all my expenses in order and not have to worry about them for the week. Who else is getting their taxes back and what are your plans for them?! Make sure you have a plan for every. Single. Dollar! . . #budget #budgeting #budgetcommunity #debt #debtfreejourney #debtfreecommunity #dfc #tbm #thebudgetmom #bbp #budgetbypaycheck #bbpworkbook #budgetbypaycheckworkbook #money #moneytalks #daveramsay #babysteps #debtpayoff #paypal #creditcard #creditcarddebt #tax #taxreturn #payday #fpu #financialpeaceuniversity #snowball #avalanche #avalanchepayment #vertex42


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Selling dolls that have been gathering dust in my parents attic. All the extra funds are going towards topping up my emergency fund #emergencyfund #sidehustle #declutter #debtfreejourney #debtfreecommunity #debtfreegoals #budgeting #moneymatters #thebudgetmom #daveramsay #daveramsaybabysteps #cashenvelopes #cashenvelopesystem


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Which of these 4 dumbest ways to go broke do you do the most? For me it was spending too much money on alcohol. Not only was it hard on my health, but it was hard on my bank account too! Remember... “look after the pennies and the pounds will follow.” And when you find a job for those pounds, they will earn more pounds. And more... That is how compound interest works.


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Be honest. Are you making these core money mistakes? Comment yes or no👇


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Look, bad things happen right outta the blue. It's a fact! It makes sense to have a little money put aside to cover an emergency. Start out with building up your emergency fund to $1000. After that, you can pay off your debt and then add to your emergency fund or you can try another method that works for you. Just try to keep it at $1000 minimum. #emergencyfund #daveramsay #DebtFreeJourney #cash #debtfreecommunity #money #debtfree #wealth #personalfinance #wealthmanagement #financetips #debt #FinancialManagement #FinancialPlanner


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Taco Tuesday, Fish Friday, if you're going to dine out try to go on a day when there is a special offered to save money. #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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Our two week holiday to New Zealand was fantastic! Good weather, awesome experiences, and a lot of driving. However, the worst part was being away from our little fur baby, Mittens. She was well taken care of by Alex's parents, who adore her to death (many cat treats were reportedly given...). But we finally got her back today. Phew! She's acting like her usual self already (meowy and wanting belly rubs!). We'll post a couple articles about the finances around the trip (did we stick to budget?) and reflections on what it all means for our early retirement travel plans onto our blog at www.hishermoneyguide.com in due course. So stay tuned! In the meantime, enjoy Mittens being Mittens. #travel #family #catsofinstagram #ragdoll #cats #holidays #personalfinance #money #love #aww #missedyou #debtfreecommunity #firecommunity #barefootinvestor #daveramsay #debtfreeliving #retirement #retirementplans #savings #financialwellness #moneytips #financialeducation #financialplanning #moneymanagement #moneymotivation #millionairemindset #financialindependence #passiveincome #financialfreedom #dfc


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🥑 WEEKLY GROCERIES 🥑 . UNDER BUDGET! 🎉🎉 . Cut a few non essentials from the grocery list and tried to buy as many 'homebrand' products as I could - rice etc. 💫 . Glad I could stay on track this week, hopefully it's something I can continue to do each week to save a few extra dollars each week 😊 . #jrf #jrfchallengeresults #jrfchallenge #mealprep #keto #ketomealprep #groceryshop #eatmorenotless #budget #weeklybudget #debtfreecommunity #dfc #ozdebtfree #goals #moneygoals #debtfreeliving #debtfree #bfi #daveramsay


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Growing your own garden will feed your family for free! Some gardens even give enough to can or freeze the extras. It's getting close to planting season- a quick search will let you know when the best time to plant for your area is. #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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Month 3 of 12 & more opportunities to #stackandgrow ☀️. . MY MARCH GOALS ARE: 🌱 Bike loan down to $3.5k. 🌱 Emergency Fund back to $1k. 🌱 15 no spend days. . . #barefootinvestor #nospenddays #debtsnowball #debtavalanche #daveramsay #marchmadness #goals #moneygoals #frugal #debtfreecommunity #debtfreejourney #ausdebtfreecommunity #ausdebtfree #ausdebtfreejourney


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😂😂


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Okay, technically there’s two days left of February but I’m too excited not to share! My goal was to get my personal loan under $12K and pay off my zip and afterpay. Did it! Done! So happy. I also want to point out that I had an old AGL bill that I didn’t really count because it’s utilities, but that’s paid too. It was $600 and I’m SO glad it’s gone. I was putting it off so much and then I saw a post in the @shesonthemoneyaus Facebook group that inspired me to just get rid of it 🙌🏽 Over the next few days I’ll start putting together my March goals which are super exciting 😉


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Grains can be a great filler! And they have health benefits too. Oatmeal, wheat bread (especially homemade), etc. #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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April Budgeting Sticker Kit! Everything you need to turn your Classic Happy Planner note pages into a budget section! Also available in Big Happy Planner size! The 8.5x11 kit can work in your Erin Condren Planner as well as a notebook. Now available in my Etsy shop! Link in bio . . . #budgeting #budgetplanner #budgetstickers #budgetkit #daveramsay #daveramsaybabysteps #debtfree #debtfreecommunity #debtfreejourney #debtfreescream #etsy #canadianetsy #madeincanada #smallbusiness #frasersfarmhouse


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When you know what you have, you wont end up buying duplicates, things get rotated, and everyone is happier. Plus you'll sleep better at night knowing what you have available to you instead of nightmares of the mystery foods lurking in the house. ;) #budget #what8ate #family #feedingafamily #daveramsay #menu #budgetplan #groceries #bigfamily #savemoney #besmart #wise #save #debtfree #paycash #plan Learn more at our blog: http://www.what8ate.com


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This year, I made the decision to work full time for 12 months in order to boost our capacity to save for a large goal we have set ourselves. I knew after a week that as soon as the year was finished, I would never return to full time work. It’s been a constant source of stress and health issues. 100% of my earnings has gone into savings so I am absolutely making the most of this opportunity but the toll that it’s taking on our family has been quite profound. This situation has confirmed for me that the life I want to live is one of simplicity and sustainability. Am I alone in my thinking or does anyone else feel like this? . . . #simplicity #simpleliving #sustainableliving #debtfree #mortgagefree #chaseyourdreams #adventureawaits #daveramsay #barefootinvestor #earth #lessismore #choosejoy #restandplay #growyourown #countrylife #swimagainstthetide


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