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⁣ Myth: My budget must be perfect.⁣ ⁣ Truth: My budget is a work in progress.⁣ ⁣ Like most things in life, when it comes to budgeting you get better with practice. Your budget won’t be perfect the first time you make one. You may overestimate or underestimate some things, but don’t be discouraged if this happens. It’s a part of the process. Continue to persist and with time you’ll get better at setting an accurate budget.⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ #budgeting#budget#budgets#budgetlife#moneywisdom#personalfinance#personalfinanceuk#moneysmart#ukpersonalfinance#ukmoney#moneyuk#moneysavvy#moneyquotes101#personalfinance101#financialwisdom#setabudget#budgetuk#ukbudget#budgetinguk#ukbudgeting#daveramsey#finance#financeuk#ukfinance#financetips#financesavvy ⁣ #money#budgetingmyths#financetipsforwomen#budgetmyths


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I don’t normally drink wine on a weeknight, but between the heat and a busy day, I decided to treat myself, and dug into my weekly allowance! I LOVE having a budget 😃 #winetime . . . . . . . . #ozdebtfreecommunity #firsthomebuyer #debtfreecommunity #wine #winetasting #winelover #winecountry #winestagram #winelovers #savingmoney #savings #ozdebtfreejourney #debtfreejourney #debtisdumb #daveramseybabysteps #daveramsey #budgeting #budget #budgetfriendly #frugalliving #frugal #thrifty #fire #millennials #millennial #millennialmoney


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I realized I never posted our December numbers! I still wanted to get this up though so I can 👀 back on it. 2️⃣0️⃣1️⃣9️⃣ Total sent to debt: $31,507.43 Monthly average: $2,625.62 • One of my 2019 goals was to “pay off $30K.” I now know I needed to be more clear next time I set that goal. We SENT $30K+ to debt but obviously with interest the debt didn’t reduce $30K. So next year I’m hoping that our total debt will be actually be reduced by at least $30K. #debtfreecommunity #debtfreejourney #journeytofinancialfreedom #journeytofinancialpeace #daveramsey #babysteps #babystep2 #bs2 #sixfiguredebt #sixfiguredebtclub #debtfreefirstresponders #dfcfirstresponders


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The shopping that was Christmas and the hustle of starting the new year leads me to more drive-through coffee and the purchasing of complete randomness seems to spill over from the holidays. I am so used to looking for things that people would like that I can get sloppy and forget the holidays are over. Even though everything is on sale, it's time for the gifting to cease. ⠀ ⠀ For the last five years, usually in February, I spending cleanse. It's pretty similar to a cleanse you would do for your health. It feels like a detox, and once you get into the routine, it’s freeing and it resets habits. ⠀ ⠀ So how do you do it? Just stop buying anything that isn't a need. Don't drive through, cook at home. Simplify. Don't purchase things just because they are cute, or even because they are on sale. It's really simple, and very freeing, to say no. Just cleanse.⠀ ⠀ By resetting your patterns you can choose what you are purchasing rather than falling into habits that you don't even realize. ⠀ ⠀ I find that my kids now understand the routine because it has become a pattern for us. They will ask, "Can we get ice cream? Oh no, wait! We are cleansing." It breaks the cycle for all of us.⠀ ⠀ Now, if the kids have a birthday party to go to, yes, we pick up a gift, but we don't buy gum in the checkout or get a new game just because it is on sale. Do you still sign your kids up for next season's sports? Yes, but maybe let your kid wear the tights with the hole in the knee for a few weeks. Do you still go to girl's night? Yes, but don't pick up a coffee on the way there, make it at home. You don't need to go into isolation, just trim. If a family asks you to do something together, yes, go. Make your cookies rather than buying them. Let yourself revert back to the basics. It may be hard at first, but I promise the return back to simplicity will feel so good.⠀ ⠀ I like to do a month; maybe you start with two weeks. Perhaps you only cleanse on certain things. There is no perfect way to do it, but I find it simplifies and puts me back in the driver's seat of our spending.⠀ ⠀ Spending cleanse. It feels fresh to start anew.⠀ ⠀ HLLF, @kirstinricketts


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Voi cu ce vă ocupați timpul liber? 🕵️‍♀️ Îți sugerăm să citești cartea „Transformarea financiară totală” de Dave Ramsey. #AflaTotulDespreBani #EducatieFinanciara #Citeste #cititulnuingrasa #improveyourself #cunoaste #daveramsey #daveramseybudget #transformarefinanciara


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The JONESES are debt-free!!! So awesome. Now, these are the Joneses people should try to keep up with. Way to go, you guys! 2019 has been a HUGE year for the Jones household. Someone became a CPA 👉🏾 @mrsjones9311 😊, we had our second child, and we PAID OFF OUR DEBT! At the beginning of this year, we prayed and declared that this would be one of the best financial years of our lives. So to everyone and everything we said “NO” to for the last couple of years, this is why! Credit card debt 💳: GONE Medical bills 🏥: GONE Car loans 🚗: GONE Student loans 📚: GONE $64,000 total: GONE 🙌🏾 Not only our lives, but the lives of our boys will forever be changed because of this. Proverbs 13:22 says “A good man leaves an inheritance to his children’s children...”. Man God is faithful! S/O to for the support via radio, YouTube, and podcast when we just wanted to quit and spend some money. NO MORE PAYMENTS! #debtfree #debtfreecommunity #debtisdumb #totalmoneymakeover #daveramsey #gazelleintense #debtfreescream #babysteps #debtsnowball #momoney #whatsinyourwallet #nolongerslaves #debtfreedom #cashisking #wherethecashat #budgeting #budget #debtfreejourney #CPA #millennialmoney #goals #buildwealth #money #wealth #keepingupwiththejoneses #millennials #financialindependence #financialfreedom #millennialfinance


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🗓February trackers⁣⁣ ⁣⁣ ❤️Valentine’s Day ⁣⁣ For me, February is the month of love and kindness. I don’t get caught up in thinking it’s ‘commercial’ I just enjoy showing my loved ones some extra love throughout the month (it’s so easy to forget when you get caught up with daily life)⁣⁣ ⁣⁣ 🎂Birthday⁣⁣ It’s my birthday month! I’m turning 25! So I wanted to make a special birthday tracker for all of my fellow Pisces!⁣⁣ ⁣⁣ Ideas for trackers:⁣⁣ Date nights⁣⁣ Fitness⁣⁣ No spend ⁣⁣ Water intake⁣⁣ Meditation⁣⁣ Self care⁣⁣ Language lessons⁣⁣ Sugar free⁣⁣ Healthy eating⁣⁣ No smoking⁣⁣ ...whatever you like!⁣⁣ ⁣ You can find my trackers in my highlights under ‘Trackers’⁣ ⁣⁣ #trarckers #spendingtrackers #moneymonday #moneymondaychallenge #moneymondayquarterlychallenge #firsthome #firsttimebuyers #mortgage #daveramsey #debtfreecommunity #lifeafterdebt #babystep1 #babystep2 #babystep3 #budget #savings #goals #finance #debtfreejourney #debtfree #financialfreedom #moneytips #moneygoals #budgeting #debt #fire #zerobasedbudget⁣⁣


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#freestuff alert for the kiwis 🥝 @nightndaynz are doing a pretty cool promo where for all of Feb if you bring in your reusable cup you get free coffee/hot chocolate/tea (no limits!) I spend a lot of my day out and about so this promotion will certainly get me through their doors! I always have my #keepcup with me, now it’ll be full of free tea/coffee! I also won a free hell pizza yesterday so I can see that grocery bill decreasing before my eyes. I think it’s a great idea to keep your eyes peeled on social media as there’s always something being given away or promos. (I would however suggest blocking or unsubscribing if it makes you spend money you don’t mean to spend!) #freefoodfeb #daveramsey #babysteps #barefootinvestor #savingmoney #savemoney #moneysavingtips #money #finances #everydollarcounts #frugalliving #frugal #buildwealth #financialfreedom #financialindependence #FIREcommunity #millenialmoney #moneymatters #personalfinance #budget #budgeting #onabudget #debtfree #debtfreecommunity #debtfreenz #debtisdumb #debtsucks #livingonabudget


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👋Hello everyone! Wow there’s 5000 of you now... that’s slightly scary, but awesome! 😂⁣ ⁣ For those who are new to my page here’s a few facts about myself:⁣ ⁣ ▫️My name is Lottie⁣ ▫️I’m 24⁣ ▫️I’m a sports therapist/fitness instructor⁣ ▫️My boyfriend and I are saving for our first mortgage deposit⁣ ▫️My dream is to convert a garage attached to our home into a gym/treatment room so I can work from home⁣ ▫️I’m a dog lover and I have two beautiful fur babies⁣ ▫️I made this page almost a year ago after spending years watching budget with me videos and following peoples debt free journeys on Instagram (I wanted to join the fun!)⁣ ▫️I make monthly trackers that you can use to track anything you want - they are under my ‘Trackers’ highlights⁣ ▫️I made a Lottiebudgets budget spreadsheet in excel that you can purchase from my Etsy shop Lottiebudgets. It’s the spreadsheet that I use myself 🙂⁣ ⁣ Thank you all for following my journey of saving for my first home. I cannot wait to share the end result with you all one day!⁣ ⁣ #moneymonday #moneymondaychallenge #moneymondayquarterlychallenge #firsthome #firsttimebuyers #mortgage #daveramsey #debtfreecommunity #lifeafterdebt #babystep1 #babystep2 #babystep3 #budget #savings #goals #finance #debtfreejourney #debtfree #financialfreedom #moneytips #moneygoals #budgeting #debt #fire #zerobasedbudget


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As of January 1st, I have a cost of living adjustment. 1%, but I’ll take it. Over this year, I expect a 8.5% increase in total. #debtfreecommunity #dfc #daveramseybabysteps #daveramseywouldbeproud #debtsnowball #daveramsey #debtfreejourney #debtisdumb #debtisnormalbeweird #cashflow #budget #ynab #debtfreeclutterfree


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My something new is Pilates. I need to start investing in myself, not just my finances. Just took a class for the first time and I loved it. It was a great way to ease back into working out. I did look at the membership prices which were pretty pricey, but looks like it would save me money if I consistently attended. The drop-in class price was $25. What I’ve learned about gym memberships is that I’m less likely to use it if I pay monthly and I end up wasting money. So I decided just to pay per class. This keeps me accountable and committed to taking the class. If I find that I’m consistent and taking a lot of classes, then that’s when I would consider a membership. . I’ve also been craving some creativity in my life so I started brushing up on my calligraphy. I love turning handwriting into art. . How do you invest in yourself? What do you do for self-care? . . . . #livenetpositive #investin yourself #selfcare #handwritingisalostart #cash #budgetplanner #debtfreecommunity #debtfreejourney #hustle #sidehustle #livewithinyourmeans #frugalliving #lessismore #lifestyle #positivity #instabudget #invest #cashenvelopes #cashenvelopesystem #budget #budgetguru #budgetlifestyle #saving #cashenvelopestuffing #financialfreedom #livedebtfree #instagood #daveramsey #daveramseybabysteps #babystep2


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I’ve finally given in to the fact that I need to stop into the grocery store twice a week.⁣ Once for our main shop and once for top up items if needed.⁣ ⁣ Wednesday is our top-up day where I’ll run in for any extras we need until the end of the week.⁣ Saturday is our meal planning and main grocery shopping day.⁣ Sunday is our meal prep and baking day.⁣ ⁣ Lately we have been spending $105-$120 for our big shop and $15-$30 on our mid week top up.⁣ ⁣ That’s for 2A 2C 1D 👨‍👩‍👦‍👦🐕⁣ ⁣ Do you do a top up shop or just make it stretch?


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Sometimes it’s easy to let you mind drift to negative thoughts, it seems we’re conditioned to be skeptical about things going good. But in reflecting of where our lives are now Ramon and I feel that these 3 words definitely sum it up 😊 #letstalkaboutdebt #99problemsdebtaintw1n #debtfreecommunity #debtfreejourney #financialfreedom #financialliteracy #financialgoals #debtfree #debt #budget #savingmoney #debtfreegoals #retirement #budgeting #cash #daveramseybabysteps #daveramsey #daveramseybudget #financialindependence #cash #cashisking #financialindependenceretireearly


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Sometimes it’s easy to let you mind drift to negative thoughts, it seems we’re conditioned to be skeptical about things going good. But in reflecting of where our lives are now Ramon and I feel that these 3 words definitely sum it up 😊 #letstalkaboutdebt #99problemsdebtaintw1n #debtfreecommunity #debtfreejourney #financialfreedom #financialliteracy #financialgoals #debtfree #debt #budget #savingmoney #debtfreegoals #retirement #budgeting #cash #daveramseybabysteps #daveramsey #daveramseybudget #financialindependence #cash #cashisking #financialindependenceretireearly


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Sis ain’t perfect but she’s mine. Working on building a better brand and teaching black and brown girls something I didn’t learn growing up and that is how to manage your money. I made so many money mistakes between 18 and 28 years old that I’m now regretting at 29 almost 30 (I know I know I should’ve been regretted those decisions) 😩🤦🏽‍♀️ I just want young women, women in general, to know that it’s never too late to grab your finances by the horns and make your money behave. Mini Budget Planner coming soon...... . . . #tuesdaymotivation #tuesdayvibes #tuesdaynights #daveramsey #daveramseybudget #prettylittlefinances #financialfreedom #financialpeace #debtfree #debtfreecommunity


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Getting these lovelies to the post office shortly before I’m out of office for the next 10 days! All current orders will still be shipped on time according to processing time stated at purchase!😘


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Honestly I just felt proud of our little family for getting along 💗 I even stopped myself in the middle of observing them and feeling this way and thought "you didn't put any makeup on and you still feel this confident right now?!" I don't know why it seemed so important in that moment but it did. Some days by the time we put the kids in bed I feel like a deflated balloon. But today I feel full and content. . . . #momming #contentment #debtfreecommunity #dfc #daveramsey #debtfreejourney #frugal #budgeting #familybudget #babystep2 #babysteps


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The end of the month can be tricky for some people.... some people being me! 😬I am super disciplined about tracking my expenses but when the end of the month is in sight 👀, I tend to relax a bit. This is when overspending happens! We do stupid things when we aren’t paying attention. Pay attention to your finances. Nobody else can do it for you. 👊🏼 #budgetsaresexy #budgetlikeaboss #zerobasedbudget #babysteps #daveramsey #ramseypreferedcoach #debtisdumb #thebudgetcoach #budget #debtfree #financialfreedom #financialpeace #cashflow #future #moneygoals #coaching #savings #findyourwhy #everydollar #budgetap #income #commission #irregularincome #everydollar #plan #planner #expenses


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It’s that time of year again! I’d love to have you join my class, more info is below! #Repost @abacussolutionsfinancialcoach with @get_repost ・・・ Local friends, I’m starting another FPU class a week from Thursday! If you’re less than ecstatic about how 2020 has started off for you, financially, join my class and get on the right track! Class will be every Thursday evening from 7-9 at @coastalchurch starting February 6 through April 9, and childcare will be provided. Link to sign up for the class is in my bio! I hope to see you there ☺️ • • • #transformationtuesday #motivation #budget #budgeting #debtfree #debtfreejourney #debtfreecommunity #livelikenooneelse #gazelleintense #personalfinance #financialcoach #financialcoaching #abacussolutionsfinancialcoaching #findingbalancebycreatingfinancialmargin #frugalliving #financialfreedom #babysteps #savingmoney #money #zerobasedbudget #debtsnowball #daveramsey #debtfreedom #buildwealth #frugal #financialpeace #FPU #financialpeaceuniversity


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While we answered listener questions we enjoyed a King Sue by Toppling Goliath Brewing – a big thanks to Joe in Minnesota for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money! . . . . . . #howtomoney #frugalliving #podcast #businesspodcast #financialpodcast #pournotpoor #pnp #bikes #biking #bikecommuting #savingmoney #fitness #community #craftbeer #beer #personalbudget #personalfinance #entrepreneur #business #mrmoneymustache #timferriss #daveramsey #earlyretirement #financialindependence #financialfreedom #financeblogger #financialplanning #moneyblogger #studentloanssuck


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If anyone could tell me something about his/her Term life insurance, I would really really appreciate it. Thanks!


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This month I tried out the Kakeibo : Japanese budgeting method! I can say I really did enjoy this method because you had the physically write down EVERY expense so it made me more conscious of my spending. The only downside is you may forget to record after each transaction but nonetheless I would probably do it again ! • • • #kakeibo #japensebudgeting #daveramsey #daveramseybabysteps #moneymoves #budgeting #budgetingtips #frugalliving #financialfreedom #firemovement #firefamily #debtfreecommunity #debtfreejourney #debt #naturalhairstyles #fashionblogger #blackbloggers #financialliteracy #financialindependence #financialpeaceuniversity #debtfree #studentloans #explorepage


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Adding to my cash tins today 😍 The small one is for gold coins, and the larger one is for bottle recycling money! I’m going to try and use more cash this year, not only because it helps limit my spending, but it means more coin savings!! Cleared out my purse today and found over $10 to deposit 😝 I collected all my gold coins in 2017 and had almost $400 by the end of the year - small amounts really do add up!! Can’t wait to see what’s inside come the end of the year! 🗓 #debtfreecommunity #debtfreecommunityaustralia #debtfreedom #debtfreejourney #debtpayoff #debtsnowball #baystep2 #daveramsey #barefootinvestor #budgeting #budget #saving #cashtins #moneybox #returnandearn #recycle #italladdsup


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So, being a “new” mom and having my first born in preschool, I never know what to expect with the events that happen at school. I keep a separate sinking fund envelope specifically for Easton because I never know what to expect when it comes to his school activities and projects. Sometimes events are notified at least a week in advance. Some days it’s the week or day of. So I like to keep this sinking fund in handy. I spent on my no spend day because I procrastinated on buying a money order for Easton’s cap and gown for graduation day. My budget was $20. With fees, it came out to $15.13. I’ll keep the change and roll it over to the next event 😅 #budgeter #momlife #preschool #eastonmaddox #budgetmom #sinkingfund #cashenvelopesystem #changinglivesoneenvelopeatatime #shopluxewallet #debtfreecommunity #debtfreejourney #babysteptwo #daveramsey


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January, let’s goooooooo!💃🏼 I am onto my February budget due to how my pay dates work out (for now), so I wanted to post this today! This is a lot for me to put towards my debt in one month, but I can’t wait to take this momentum into month ✌🏼of 2020!🔥


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As you know our house had a lot of water damage from the storm 2 weeks ago🤭. Our kitchen is semi torn apart and our oven is was part of the dismantling 🙃 I decided to challenge myself to stay within my budget for food and cook our meals from home. Monday we did chicken & dumplings with a salad. Today I did a hamburger potato casserole. These easy peasy meals are on my website at www.dimeadozenmom.com


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These students just melt my heart! This was a new-to-me student who booked a short notice class at the end of my work night. I could have easily been exhausted, but teaching these kids is energizing! 💓


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At my 2nd job. Trying to earn more money to pay my debt down faster so I can try and do my resell stuff a little better. Gotta work hard to get where I wanna go. #2ndjob #work #deliverydriver #pizza #payingoffdebt #hardworkpayingoff #debtpayoff #debtsucks #daveramseybabysteps #daveramsey #stupidmistakes #putmehere #stupidmistakesputmehere


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As much as I hate to admit, the reality is undeniable; I’ve officially loss momentum. . . I use to say the Journey was much easier than I expected it to be, but right around the 17th month (Oct ’19) of my debt-free journey, I was completely wiped out! . . At first I didn’t realized what caused it and I still don’t think I’ve identified all the issues. However, I believe it due three factors. 1.. I’m overworked and no longer find my part-time job exciting. 2.. September 2019 was supposed to be my original debt-free month. 3.. Murphy is kicking butt! . . I think I'll try to attend one of @daveramsey live event and hopefully, it'll fire me back up. . . . . Did you ever lose momentum during your debt-free journey? If so, how did you overcome it? . . . . . . . . #DebtfreeJourney #Daveramsey #teachers #Debtsnowball #Debtprogression #studentsloans #babysteps #millennials #minimalist #budget #Allthingsteacheredition #financialmistakes #bill #election #babystep2 #likesforlikes #blogpost #financialgoals #Financialyoutube #debtfreeenthusiast #financialcoach #debtfreecommunity #frugal #fpu #financialfreedom #millennials #savings #financialpeace #studentloancrisis #navient


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Hey Gazelles!👋 The Blog is live & link is in Bio! I hope that as you guys read my post, you are able to hear and feel my heart behind these platforms!🦌 I am just a woman who has failed so many times but also a woman who could never accept defeat. My LORD calls me to a higher standard & to Victory! So with knowing my calling to glorify Him, I can never quit! The journey may not be pretty or pictures worthy.. it will NOT be perfect.. I know I have so many more failures ahead of me.. but I have my end goal in mind & I am training to finish the race! 🏃‍♀️🎉🙌 Join me! You can overcome your struggles too! It probably won't be easy..BUT it will be worth it!👑 Comment & share your 'Why'? It is the motivation that keeps us going on this journey! #theFaithfulGazelle #debtfreecommunity #daveramsey #financialfreedom #budgetmom #budgettips #christianfinance #creditcarddebt #motivation #studentloans #creditcarddebt #faith #family #freedom #proverbs #jesus #proverbs31woman #christian #TuesdayMotivation #TuesdayThoughts #WednesdayMotivation #finance #babysteps #everydollar #financialplanning #debtpayoff #debtsnowball #empoweringwomen #selfcare #selflove #inspiration


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Well holy crud WE did it...again 🤣 - Our emergency fund has now been replenished! By transferring the last $200 over to our EF today means I’m a bit short on the budget this week (will cut the grocery budget for the week) but I really needed to go into February with a fresh slate so that all I have to concentrate on now is our 0% credit card once the transfer to the Q card goes through. - Will put up the end of month figures in a few days 😁 - How is your emergency fund going???


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January goals are met, colored in, and now put away into the binder. February goals are now put in there place with a NEW CHART to color in!! See that new vacation chart????? Well my oldest mentioned we should go to Colorado on spring break we priced it out for 5 days and can do the trip for about $2,000.. so hubby and I talked about it and I will put the Hawaii saving on hold for two months and toss all side hustle money to Colorado. Then focus again on Hawaii once the $2,000 is saved.. I have almost $1,000 saved for Hawaii but that needs to stay there because I want to book our Airbnb in February or March so I need it for the deposit. So February and March is all about Colorado... the things I do for these kids... #debtfreecommunity #debtfreejourney #debtfree #vactiononabudget #daveramseybabysteps #daveramsey #sidehustles


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Alright peeps! Been about 4 weeks on budgeting round ✌🏻 and feeling pretty great about it still. It’s surprisingly easy to feed my family on $100 a week (breakfast, lunch + dinner). If you follow along in my stories, I’m basically showing you what I eat on a daily basis, and I do short videos of what I cook for dinner. Also, where I’m shopping and how much I spend. On Friday (the end of the month) I’ll share how much money we’ve saved for the month of January! My goals are different this time around; instead of paying off debt, I really just want to build up a good savings so we can do small house projects, go away for the weekend or even take a vacation without needing to use a credit card. I can’t EXPRESS the relief I feel and how much less stressed I am using cash. I have only checked our bank account a couple times this MONTH-compared to at least once a day before. I’m not an expert, but I’m enjoying the journey, making some small changes and just updating my followers who are mainly friends and family. Money is such an important part of our lives and so many of us live paycheck to paycheck. It sucks. It doesn’t have to be that way though-stepping back and evaluating where your money goes can really open your eyes and change your life. We all struggle with it and I’m just here to share with you that it can all change, but like most things, it starts with you. 👊🏼 . . And as Dave Ramsey says: “don’t worry about keeping up with the Jones’s-they’re broke!” . . #budgeting #4weeksin #financiallyfit #cashdiet #mealplanning #changeyourmindset #saveyourmoney #inspiration #youcandoittoo #lesstress #lessstuff #keeponkeepinon #daveramsey


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my change jar is filling up quick and I have a ton of space in the jar left, I’m anxious to see how much it holds! #coins #savechange #debtfree #cashenvelopes #debtfreecommunity #debtfreegoals #money #frugal #daveramsey #frugalliving #minimalism #piggybank #savings @thebudgetmom


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There are a thousand cliches out there that spur you on to dream bigger. To think outside the box. To jump in different directions. To try new things. Truthfully, even though they're basic and you've heard them a thousand times: they still preach truth. The only thing holding us back is ourselves (another tried and true cliche). What happens when we get out of our own way? What happens when we start allowing ourselves space to really, truly dream wildly? What happens when we finally start to believe that **anything** is possible? Every single great thing. That's what happens. . . . . . #debtfreecommunity #christywright #goalsetting #planning #businessboutique #businessboutique2019 #daveramsey #dreamersanddoers #ladybosslife #madeformore #pursueyourpassion #smallbusiness #newstart #lawyerlife #contract #lawyersofinstagram #legalexpert #solicitors #sale #contractsales


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I loved watching the series last year and it sparked an idea to apply the same principles to my money. ⁣ ⁣ What a difference it made!⁣ ⁣ Have you ever thought of decluttering your finances?⁣ ⁣ This post will help you get started. ⁣ ⁣ Link in my bio.


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Are you building STEALTH WEALTH. . Stealth wealth is the practice of keeping your true wealth hidden from others — even friends and family members. . We are talking ninja-level, 007-type, and Empire defecting storm trooper stealth. . Stealth wealth examples.... . The trust find college student who wears hoodies instead of Gucci and forgoes a Ford Mustang for a Ford Fiesta.... . The millionaire CEO who’d rather drink a cheap micro-brew beer with friendswhile watching a football game than Dom Perignon at a polo match. . The 35 yr old real estate investor that has 50+ rental properties churning out mad tax free cash flow every month. . The 55 year old engineer that made simple but great lifestyle choices and saved a large portion of her salary for 30+ years. . There are countless ways to get there, but we've all met them. . They live among us and act like normal law abiding citizens. . Why Stealth Wealth? . Because wealthy people are snobby. . You have to be cutthroat in order to be wealthy. . That person has a trust fund so they must be spoiled. . That’s because there are invisible scripts — the assumptions that are so deeply embedded in our society that we don’t even realize they guide our attitudes and behaviors — surrounding wealth. . But if you want to flaunt it... Go right ahead. . Follow us 👇🏻 @thestealthyrich . #investments #financetips #moneytips #financialindependence #savings #save #debtfreeliving #frugal #daveramsey #thestealthyrich #finances #frugalliving #financialgoals #savemoney #millionairemindset #debtfreedom #buildwealth #rentalproperty #biggerpockets #earlyRetirement #Fire #financialfreedom #millennialsretireyoung #retireyoung #personalfinance #moneygoals #debtfreecommunity #debtfreejourney #success #sidehustle


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Good Night 2 U😊 LEAVE TWO 🙏🏽🙏🏽IF YOU FEEL THIS! If things are tough right now, IT WILL PASS. If things are peaceful and blessed, remember those days when you thought you couldn't?? DON'T QUIT. Work through it and ENDURE IT. LET'S GET IT! Much love ❤️ Did you get a copy of my book yet, About Your Power: Inspirational Poetry That Unleashes Your Inner Power? Get a sample video of my poetry now by clicking the link in my profile @aboutyourpower #daveramsey #babystep2, #financialpeaceuniversity #debtfreejourney #everydollar #debtfreecommunity #babysteps #debtfreeby30 #debtsnowball #payingoffdebt #debtfreeliving #debtfreecouples #fpucouples #gazelleintense #sidehustlecouples #1000payoff #sunrisehabit Thanks - #regrann - #regrann - #regrann


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Our goal was set to 40% savings rate and we missed it by a little bit. But this is only 1 paycheck. We will be adding all income, savings and whatnot to this chart to keep track throughout the year to see how we are doing! We are pretty sure we will hit that 40% savings rate in the next few checks once we get used to saving instead of paying off debt! We have $15,127/$20,000 of BS3 saved up. Next will be trying to max out both of our 2019 Traditional IRAs before April 1st! I did some calculations today and I think we can do it 🤞🏻 . I'm really excited for this phase of our lives. Hot hubby just wants to spend ALL THE MONEY but he wont.... spend ALL of it 😂, just some haha! . Sorry it's been a while since we last posted. Trying to figure out how to recover from family stuff and discern how best to move forward with this account. So thank you for sticking with us 🥰


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As a 26 year old married woman the biggest generational curse I deal with is financial freedom. These are the steps I am following thanks to @thebudgetmom I’m feeling better. January was a trial and error month but the vision has not faltered! Keep pushing budget besties!!! #debtfree #debtfree2020 #debtfreecommunity #snowballmethod #daveramsey #envelopechallenge #5dollarchallenge #thebudgetmom #thebudgetsistas #savings #financialfreedom #financialfreedom2020 #changechallenge #52weekchallenge #budget #budgeting #cashenvelopes #debtfreejourney #debtfreegoals #savemoney #savings #saving2020 #money #moneychallenge #livingdebtfree #savemoney2020 #financiallyfree #financialfun #easylife #debtfreelife


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We had to cancel our Grand Canyon trip in November - but we're definitely NOT backing out of our March vacation. I'm seriously counting down the days.⁠⠀ ⁠⠀ This is the first trip in almost 4 years that I will not take any messages, emails, or calls for work. I am completely disconnecting to spend time with Joe and our family. ⁠⠀ ⁠⠀ ⁠Honestly, I keep repeating that so I can convince myself that it's okay to take that time to myself. As a business owner... it's really, REALLY hard to step away. ⁠⠀ ⁠⠀ My goal of this trip: A picture of Ted with Theodore Roosevelt. That is all.⁠⠀ ⁠⠀ ⁠⠀ #debtfreecommunity #debtfreejourney #debtfree #debt #loans #Budget #babysteps #daveramsey #savingmoney #finances #personalfinance #hiking #colorado #money #vacation #sayno #gazelleintense #llnoe #frugal #moneygoals #budgeting #veefrugalfox#financeinfluencer #vacation #mtrushmore #nationalparks #parks #getoutside #optoutside⁠⠀


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I have a lot of things planned for this year, but I think the most important priority to me is being #debtfree . Since I've been out of college, I have always had a budget and have kept close tabs on my finances. However, sometimes the budget was more of a suggestion for me instead of a strict guideline. 😅 I've come across some #DaveRamsey videos and articles that have really helped focus and guide me. I now have a plan and a timeline which makes me feel better about the next steps. This year you'll hear more from me about my #debtfreejourney I not only want to share this experience, but also use this as a way of accountability. Can't wait to see more! #thisismyyear #debtfreecommunity #babysteps @daveramsey


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Finishing the day editing my planner. Wanted to add @thebudgetmom freedom steps to this spread because it's really powerful her philosophy there's no a one size fits all in the journey to financial freedom we must find the right balance that works for us while achieving our goals. PS. @an_organized_life started following the page, this deserve a special screenshot AKA #digitalsticker to remember this day ( another benefit of digital planning unlimited personalized stickers ) . . . . . . . . . . . #plannercommunity#budgeting#budgetingtips#digitalplanner#plannerfriends#thebudgetmom#tbm#goodnotes#goodnotesapp#plannergirls#plannerlife#planningcommunity#ipadplanner#applepencil#ipadpro#ipad#debtfreecommunity#debtfree#daveramsey#planwithme#debtfreeplanner#savings#goodnotesplanner#handwriting#dfc#debtfreelife#thecclworld#plannernerd


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WE BOUGHT A HOUSE! [ SAVED 10% DOWN, ALL CLOSING COSTS WHILE FINISHING BABY STEP 3 IN UNDER 20 MONTHS ] ▪️ To God be the Glory! [ Divine & Ehren Sixon ] ▪️ All we can say is that prayer works and that God is always in control. We made our plans, but the Lord determines our steps (Proverbs 16:9). No wishful thinking over here. It took us four (4) years to get here. We wanted to get a house back in 2016 but when we stumbled upon @daveramsey , we realized that we were not ready for such an important responsibility and commitment to owning a home. We wanted our future home to be a blessing, and not a curse. In other words, we wanted our home to be a wealth-building asset, and not a liability. God has blessed all of us (yes, I’m talking to you!) to manage his resources well, and frankly, we are going to live up to that and we encourage everyone and anyone to do the same. Utilize the wisdom that God has given us, work and build with the capable hands and feet that we have, and be productive with the time we have and not waste it. Make the best with what you got! Again, no excuses! ▪️ Big shout out to our realtor Karen Sneed who we’ve found through Dave Ramsey’s ELP Program and Kraig Spence and @churchillmortgage for working with us throughout this whole process. We are Karen’s 3,627th deal closed (Oh yeah, she’s the real MVP). It will truly be an understatement on saying how amazing and wonderful Karen and the Churchill Mortgage team have been in getting us our first home. We like to show some love to Steven Greenspan's Law Office, especially Alegria who helped us in all legal matters. And a big shout out to Kuya @chawptrp , @comedianmonte , @mr_flufy and @joan_beckett for providing us guidance and wisdom throughout the whole process as well. To our parents, we hope that we made you proud for we have done everything we can to glorify God in all that we do. ▪️ WE ARE FOCUSED, BUT NOT FINISHED! #ChallengeAccepted #dneventures #dneforever #dnelegacy #debtfreejourney #debtfreemillennials #totalmoneymakeover #debtfreedom #daveramsey


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Ok, we’re about to get real! #debtfreegoals #debtfreejourney #daveramsey


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Repost from @motioncity.church • THIS SATURDAY from 11am to 5pm, come hang with us for a huge, multi-family GARAGE SALE! Our first FPU class has joined forces to try and hit their emergency fund goals. Be on the lookout for vintage fashion, brand-name purses, Jordans, small electronics, kids clothing, and more. • What’s Motion City without fresh coffee, and doughnuts? See you soon! #FPU #financialpeaceuniversity #daveramsey #weareforLA #losangeles #artsdistrictla #dtlaartsdistrict #laartsdistrict #finances #financialfreedom #debtfree #debtfreecommunity #debtfreejourney #debtfreegoals


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JANUARY NUMBERS ARE IN!!!!! Overall it was a pretty great month. It’s crazy what you can do when you live with INTENTION! This is by far the best month we have ever had and honestly it all has to do with WANTING to be better. Every month I will post these numbers as an update to how the month went. There are other numbers that I will post, but these are the 3 numbers that I’m really worried about. Also- I have went ahead and updated our DEBT BALANCE. * * DEBT PAYMENTS in JANUARY- $3,822.76 SINKING FUNDS in JANUARY- $323.33 INTEREST PAID in JANUARY- $895.08 * * * #debt #debtfree #debtfreejourney #money #debtfreecommunity #daveramsey #babysteps #debtfreegoals #debtfreesnowball #debtfreedom #fifinancialindependancenancialfreedom #debtfreelife #daveramseybudget #financialliteracy # #atlanta #millennial #millennials #budget #zerobased #daveramseybabysteps #babystep2 #debtsucks #debtsnowball #mwdwealthtracker


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I had a weak moment the other night and got Panda Express while I was running errands. I felt so much guilt while ordering but oh did it taste so good! We are surprisingly doing well on our January budget so it didn’t hurt us but I’m ready for the day where I don’t feel guilty about getting something quick to eat.


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Aside from selling unwanted items on TradeMe and Facebook marketplace, another way I make extra cash is by Mystery shopping 🛍 Last week I was given a gift card as payment for one of the jobs I completed so my Mum and I went out for dinner 🌮🍹 The food was amazing and it’s been a while since I’ve been to a REAL restaurant so it was nice being able to treat myself whilst on a budget. Wooo! Money win!! 💰🙌 What's your side hustle?


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Setting up #nospendchallenge for February. The hardest one will be No takeaway coffee and snacks and taking my breakfast and lunch to work every day. I’ve done really well this month, so I’m hoping I can keep up the momentum. #dfc #debtfreecommunitycanada #canadiandebtfreecommunity #daveramsey #gailvazoxlade #debtfreejourney #financialfreedom #budget #debt #debtfreecommunity #debtsnowball #lessdebtmorefreedom #frugalliving


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“The new micro-market accepts payment through the app, cash, debt, credit, or iPay. We also plan to allow payroll deductions soon.” . Y’all. My company is smart. They really are. But this is stupid. It really is. And I’m actually upset. We were told it’s not costing us anything, well hell of course it’s not costing the company since we are buying all the junk in it. (Disclaimer: Some options are healthy, but you can’t claim people will choose healthier options when presented with the choice. I eat healthy often...if I buy something from a vending machine, I don’t want a healthy snack. I want to wallow in a candy bar, letzbereal.) I don’t want to see my coworkers wasting away money on lunches and needless snacks. I go to the vending machine once a month out of boredom in my lunch. I KNOW people are going to use this market all the time and I hate that it encourages mindless spending. A mini-gas station in your office is going to tempt you to spend mindlessly. I told myself “don’t get upset, people are adults, they can make choices to use or not use this.” And I get it, sometimes you forget lunch. Sometimes your sandwich didn’t cut it. But y’all, the people who are going to use this the most will be people who aren’t intentional with their money and that PAINS ME. This #debtfreejourney has made me want to win with money. It’s made me wish goodness upon others financial well-being. I sincerely want everyone I come in contact with to be intentional with their actions and WIN WITH MONEY. Who do you think will frequent the micro-market the most? Do you think people have more control than I do? I’d love to hear your thoughts! #debtfree #dfc #dfj #debtfreecommunity #debtfreewantobe #money #intentional #spending #cash #work #babystep2 #daveramsey #mindlessspending


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Sigan a @elshowdeandres Compras lo que no necesitas, con dinero que no es tuyo para impresionar gente que ni siquiera conoces. #pazfinanciera #daveramsey #finanzas #dinero #viral #explore #explorepage #elcharroylamayrita


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Raise your hands if, once upon a time, you rolled your eyes when people talked about "calculating their net worth." 👀🙌🏼 . And raise a leg if, once upon a time, you thought people who lived with budgets don't have a life! 🦵🏼😬 . Oof, I've been there. And while I had the best intention of moving my financial life forward, there was no tracking and measurement tool, so I kept falling into the same trap of overspending. 🤷🏻‍♀️ Cue: management guru Peter Drucker on what happens when you don't have monitoring and accountability systemsss. . Tracking tool = a monthly budget that helps you build awareness on whether or not you should buy that concert ticket or that jacket on sale. Try @everydollar , @youneedabudget , or good ole spreadsheets! . Measuring progress = your net worth number which gives an overall picture of what you owe vs what you own. You can calculate yours by using @personal.capital , @wealthfront , or good ole spreadsheets! . Befriend your tools and you'll more likely be able to stay on top of your monehhhh...which is where we all want to be, right?💃🏼💯✨💸


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This is sooo important to remember on your journey to be ✨debt free! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Sometimes we can get so caught up in how long it’s going to take us to clean up our debt, that we completely forget how long it’s taken us to get here! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ For many of us, it has been years of racking up credit card debt, years of taking out student loans and years of other mistakes like buying a brand new car right out of college 😎 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ This journey really teaches you a lot of PATIENCE and DISCIPLINE. Plus, it’s building so much character and other skills that can be transferred to other areas of your life! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ #budgetlife #budget #financialfreedom #frugal #budgetqueens #debtfreejourney #totalmoneymakeover #daveramsey #financialpeace #creditcards #cashenvelopes #financialpeaceuniversity #budgetblog #debtsucks #cashflow #debtisdumb #budgetplanner #babysteps #debt #queensofbudgeting #everythingfit #debtfreecommunity #entrepreneurs #coaches #budgets #fixmyfunds #budgetbetter #millenialtips #studentloansucks #cashisking


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Winning is just part of being a forex trader📈. Time is money, make use of your time wisely. Opportunity don't just come unless you make a move to get it💯. Don't sit and watch great opportunities pass you, make a big move and start investing in forex trading investment to start earning good profits. Contact for more information on how you can invest and start trading on forex trading and start earning good profits weekly. @trade_with_stephen_chong WhatsApp: +852 5803 0820 . . #basketball #stealthwealth #biggerpockets #earlyRetirement #Fire #financialfreedom #millennialsretireyoung #retireyoung #personalfinance #moneygoals #debtfreecommunity #success #investments #financetips #moneytips #financialindependence #savings #save #debtfreeliving #frugal #daveramsey #creditscore #finances #frugalliving #financialgoals #savemoney #millionairemindset #debtfreedom #buildwealth


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Hey fin friends! 🎉 It's been a while. I'm still here, just balancing out other aspects of my life. Right now, my focus has been on my day job. I'm at the helm of our project's flagship event: a knowledge sharing and learning event in Dubai this summer. We're bringing together people who are alleviating hunger in countries experiencing protracted crises, so they can learn from each other's strategies and experiences. I love what I do. And--cue transition!😜--grateful I get to work for an organization that has (1) acted on the gender pay gap and (2) matches my retirement contributions. . I'll be a year into my job this April, which means I'll finally get a taste of that 403b match + company contribution! 😋 I'll be contributing a good chunk of pre-tax monies to my 403b but won't max it out because of planned travel. Flying to the Philippines next month and in October to be part of family's and friend's important life events, then treating my mom to a European adventure this summer. I have been privileged to live in/work in/visit 27 countries and wished my mom could also see as much of the world. I'm making that happen this year as she turns 60! 🙏🏼 (Note: I am her only child so no pressure! 😅) . This year, I'll max out my Roth IRA and my Health Savings Account. I'm using the HSA as an investment vehicle, and not using it to pay for medical expenses. I'm paying for da billz out of pocket. Using this time, while young-ish, child-free, and healthy, to grow the HSA. . I'm still socking away money for my land mortgage in the Philippines, for my mom's (and maybe my future!) retirement home. 🌞 . I hope I get to achieve these financial goals this year! 🙏🏼 Onwards we go--


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