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March goal results: 1. Paid off Capital One credit card. Feels so good to be credit cars debt free!!! Just in time too 🙏🏼 2. Paid off iPhone! This was the least of my debt owed & nuisance. 3. Taxes not filed. My 3/28/20 appointment was rescheduled for 4/25/20!!! I’m going to submit my paperwork online and get it over with. March was a challenging month, think it may have shaken us all up. Increased my savings and lowered my 401k contribution from 25% to 10%. I’ll increase it in June. Seeing the loss almost gave me a panic attack. Stay safe, stay home. #budgeting #debtfreecommunity #dfc #debtfreejourney #daveramsey #daveramseybabysteps #babysteps #babystep2 #bs2 #babystep3 #bs3 #babystep4 #bs4 #saving #singledebtfreecommunity #singledebtfreejourney #nurse #nurselife


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Wanna know a secret? It’s ok not to have all the answers. Has not having the answer gotten the way of you acting and making progress toward your goals and dreams. Sometimes you have to act without assurance that it will result in what you hope for. In doing so you send a clear message to yourself and the universe that you’re serious and invested. My conversation with @thairapy____ reminded me of just that. That sometimes you have to commit to the unknown and go with the flow. Do nothing and you’ll get nothing. Do something... anything and you just might get more than you ever expected. Thank you Rosa for the much needed reminder! #financialfreedom💰 #lasvegasentrepreneur #lasvegasinfluencer #lasvegasstyle #lasvegasblogger #lasvegasblackimagemagazine #ugandanwomen #africanentrepreneurs #blackbusinessowner #debtfreejourney #daveramseybabysteps #sacrifices #sunkissed💋 #melaninfitspiration #blackfitnesswomen #ugbabes #darkskinwomen #blackpodcastsmatter #blackgirlpodcast #therapyforblackgirls


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Another successful Taco Tuesday and game night! We originally started this at the beginning of the year to make it a point to spend more time. Now with COVID we’re TOGETHER ALL THE TIME!! 😂 but we’re working, doing school, and just trying to maintain our sanity 😆 So it was good to have some games #letstalkaboutdebt #99problemsdebtaintw1n #debtfreecommunity #debtfreejourney #financialfreedom #financialliteracy #financialgoals #debtfree #debt #budget #savingmoney #debtfreegoals #retirement #budgeting #cash #daveramseybabysteps #daveramsey #daveramseybudget #financialindependence #cash #cashisking


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Another successful Taco Tuesday and game night! We originally started this at the beginning of the year to make it a point to spend more time. Now with COVID we’re TOGETHER ALL THE TIME!! 😂 but we’re working, doing school, and just trying to maintain our sanity 😆 So it was good to have some games #letstalkaboutdebt #99problemsdebtaintw1n #debtfreecommunity #debtfreejourney #financialfreedom #financialliteracy #financialgoals #debtfree #debt #budget #savingmoney #debtfreegoals #retirement #budgeting #cash #daveramseybabysteps #daveramsey #daveramseybudget #financialindependence #cash #cashisking


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April goals!!! Originally I wasn’t going to set goals this month, but I need to or I’ll lose my mind! #debtfreecommunity #debtfreejourney #daveramseybabysteps #daveramsey #savings #goals #budgeting


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Phrase of the day: SUNK COST FALLACY 🤓🤓🤓 I don’t think the sunk cost fallacy gets the attention it deserves in personal finance discussions! Scott Rieckens does an amazing job summarizing the concept on page 63 of “Playing with Fire”. In an nutshell, there’s no reason to base future decisions off of a logically unrelated, but emotionally connected past expense. The best example I can think of is when you pay too much for an all-you-can-eat buffet. After a normal portion at a much higher than normal price, you feel the need to binge “to get your money’s worth”. In reality, you already paid once with your money, don’t pay twice with your body 💙💙💙. I challenge you to think of an example of something you don’t enjoy at all, but keep because it was “so expensive” (when in reality, now it’s a used, likely near worthless product YOU don’t even want to own). Being mindful of the sunk cost fallacy has helped me declutter and focus on my true priorities in life, I hope it helps you as well. What mindset changes did you make on your debt free or declutter journey? #goodreads #goodreadschallenge2020 #goodreadschallenge #daveramseybabysteps #daveramsey #dfc #debtfreecommunity #debtfreejourney #ynabcommunity #ynab #mrmoneymustache #babysteps #declutter #babysteptwo #babystepthree #declutteryourlife #babystep2 #sickandtiredofbeingsickandtired #beansandrice #playingwithfire #scottrieckens #firecommunity #financialfreedom #financialindependenceretireearly #sunkcostfallacy #mustacheman #moneyquotes #cashenvelopes #cashenvelopesystem #mrmoney


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I know this is a sensitive time for everybody, and I hope this podcast brings some hope. Several weeks ago, I recorded a podcast with Michael from @winningtowealth .⁣ ⁣ The principles of this conversation can be applied to the current quarantine situation. I thought that merging finances with my husband would put us at odds, but it actually brought us closer together, and made us feel like complete teammates.⁣ ⁣ In this podcast, we talked alot about marriage, teamwork, and paying off debt. For those of you that have a spouse who isn’t on board, or is hesitant about budgeting I completely understand. I was that spouse. I didn’t want to budget, or feel like my money was being “controlled,” but it turns out, it was like that book "green eggs and ham". I had to try it to know what I was missing, and I had to come to the decision to pay off the debt and start a budget on my own.⁣ ⁣ A couple of pointers when talking to a spouse who doesn’t like talking about finances:⁣ *With the current situation, perhaps start by asking what is the short and long term financial plan for your family, and how can you achieve this together? ⁣ *Be nice, calm, and patient.⁣ *Don’t expect your spouse to change in one conversation.⁣ *Know that you can’t control your spouse, only yourself.⁣ *Do periodic check-ins with how they are feeling about the subject.⁣ ⁣ When we initially taped this podcast, I missed my morning coffee and gave the wrong debt payoff number. The point of the podcast isn’t about how much we paid off, it’s about how you and your spouse can rise to the occasion together to achieve great things. ⁣ ⁣ It’s a few episodes back, if you listen, let me know what you think of it! Have a great evening, and thanks again to @winningtowealth for having me! -Lauren #debtfreecommunity #debtfreecollective


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Day 44: This! This is why we made a change in the way we handle our money! I am so proud of me and my husband for making better choices in our finances, changing our family tree. #daveramseybabysteps #debtfreecommunity #changingourfamilytree #ourdebtfreejourney #betterchoices


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I'M DEBT FREE!!! . . I decided that it was the right time to pay off my debt. I would be done May, but I just really wanted to get it over with. Today is my birthday and it's the best gift I could give myself! Please have a look at my video where I go into more detail. Thank you family, thank you friends, thank you #debtfreecommunity . . I'm debt freeeeeeee! . . #gettingoutofdebt #debtfreechart #debtfreejourney #singledebtfreecommunity #singledebtfreejourney #daveramseybabysteps #daveramsey #babystep2 #thruhikingthefdt #thruhikingdreams #Appalachiantrail2022 #imdebtfree


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March numbers are in and I knocked my citi card down to the $1500’s. Can’t wait to have this paid off by May 15th 😍 #debtfreecommunity #debtfreejourney #debtsnowball #debtsnowball #babystep2 #daveramseybabysteps #daveramsey #budget


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“Some life lessons can be taught, others have to be learned” - my deep thoughts tonight haha. When we started our debt free journey, I was mortified that we let ourselves get into so much debt. I was embarrassed. I was mad. But I was also determined to change. Funny thing is I grew up in a very debt adverse home. My parents didn’t know about Dave ramsey but they did know how heavy of a burden debt felt. So they hustled and saved and lived frugally and paid off their home as fast as they could and get out of debt. They taught us to do the same. But apparently it wasn’t a lesson I could be taught. 10 years later we had to be at our rock bottom for me to be determined enough to learn the lesson! I’ve learned to budget, I’ve learned to cook inexpensively, I’ve learned to envision what I want my life to look like and work to get it there. We still haven’t paid off our home but we now have the tools to do it! If you are feeling discouraged from your debt right now, it’s ok! Be determined to learn from it, and change your thought process from “I have so far to go” to “I am going to have the greatest underdog story when this is done!” You’ve got this! I’m cheering you on from instaland I try to think of this in other aspects of my life as well and especially in the lives of my kids. I’m going to teach them, but not all lessons are going to be heard and that’s ok. They are going to need to figure out some life lessons themselves, like I still am. I just have to keep telling myself it’s all going to be ok, until I truly believe it. Much love to you all! Stay healthy and safe and stay home if you can ❤️❤️ #instaland #daveramsey #growth #underdog #debtfreecommunity #debtfreejourney #debtfreegoals #dfc #learning #grace #lessonlearned #lifelessons #daveramseybabysteps


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This final pay will be going towards topping our accounts up. Operation savings and paying off our investment debt is still full steam ahead! . Making sure all of our accounts are healthy and full 🙌🏽 . . . #fire #firemovement #firecommunity #debtfreejourney #debtfreecommunityaustralia #saving #savingsgoals #money #moneygoals #couplegoals #daveramseybabysteps #sidehustle #sideincome #income #investmentproperty #investments #payingoffdebt #wahm #wahmlife #financialfreedom #financialindependence #financialindependenceretireearly #savings #savingmoney


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I ended up in the worst possible place last night. The ER. It was by far the scariest ER visit I have ever had. My husband was turned away at the entrance and I was greeted by tension, hopelessness, and fatigued hospital workers who are taking it “one day at a time.” The Dr. who treated me was wearing goggles and a military grade gas mask. Thankfully, I didn’t go due to Covid but to an emergency transplant related issue. Please, do not be tempted to make this a political issue or a financial issue. This is a LIFE issue. Stay home because there is no magical supply room in America that is hiding all the medical equipment needed to sustain the whiplash of this demonic virus. Last night was one of the hardest in my 34 years of dealing with Cystic Fibrosis and Lung Transplant. Most people can’t swallow a Tylenol, this isn’t for the faint of heart. 💔 #doublelungtransplantrecipient #transplantsurvivor #organdonation #recycle #cf #cysticfibrosis #cysticfibrosisfoundation #5feetapart #miracle #onlygod #mayoclinicjacksonville #mayoclinic #coronavirus #unos #unostransplants #Lungtransplant #doublelungtransplant #cysticfibrosisfighter #themayoclinic #Mayoclinictransplant #corona #cfwarriors #unosgivesback #donatelife #forkingandcountry #itsnotoveryet #tooprettytobesick #daveramsey #daveramseybabysteps #lunglotto


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Sharing #yogawithadriene home yoga workout! This channel is a godsend in these crazy quarantine times! Namaste safe everyone 🙏


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Going over my APRIL BUDGET in the @everydollar app with you all 🥳🥂. Sound ON and let me know what questions you have!!!


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This is a huge focus right now over here, so want to try to keep y’all in the loop. Since the stimulus bill dropped, I’ve wanted to figure out how to take advantage of it. I obviously can’t pay off the whole principal balance in six months, but I can take care of the pesky outstanding interest that is preventing any of my current IBRP minimum payment from touching my big fat principal. So, new goal is to divert money from current debt snowball loan (debt # 4/cc # 3), until outstanding interest is fulfilled. So far, in less than a week, we’re more than halfway done. Swipe to see the amounts that have been paid. Instead of one lump sum payment, I specifically targeted each of my 8 loan’s outstanding interest balances. My daily interest accrual has already decreased from $17 to $7, to now $6/day. 🙌 Remember, 0% interest until September does NOT apply to any unpaid or outstanding interest you have sitting outside of your principal balance. Slide 2 breaks mine out so you can see the different buckets. Stay safe, y’all! . #debtfreejourney #debtfreedom #debtfreecommunity #babystep2 #bs2 #daveramseyplan #personalfinance #financialfreedom #financialpeace #payingoffdebt #gettingoutofdebt #debtsnowball #budgeting #gazelleintense #livelikenooneelse #totalmoneymakeover #studentloans #ihatestudentloans #studentloandebt #debtfreeliving #sixfiguredebt #dfc #daveramseybabysteps #debtisdumb #debtfreelife #cashisking #zerobasedbudget #creditcarddebt #financialgoals


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Frugal dinner! Homemade friends (potato’s)- $.60 Pulled pork - free (thanks FIL) BBQ sauce -also free, (made it homemade with things on hand) Buns- free, my friend brought them over Green beans- from garden Y’all tonight’s dinner cost me less than $1 and it was amazing!! What do your frugal dinners look like? #frugal #cookathome #dinner #cheap #debtfreecommunity #debtfreejourney #daveramseybabysteps #babystep2


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More rice and bean meals! Fried rice with green beans and enchilada rice with refried beans. #daveramseybabysteps #riceandbeans #quarentinemeals #shelterinplacedinners


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Okay yesterday’s disclaimer: I washed the two loads of washing, but I never hung them out so I had to re wash them today.


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Happy 3rd Wedding Anniversary to my husband! Our lives have changed so much in such a short amount of time. He is the definition of true love. This year, we’re celebrating the best way we know how: with cookie dough ice cream. Thankful that even the smallest of moments always feel special. 💙


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THE NEW NORMAL 🎥 Behind the scenes of my @skillpop class tonight: two computers, studio lighting, my coworker Sketch and my fuel, La Croix😆 Thanks for the 30+ students that shared so openly, asked great questions and put a smile on my face today 🤗 Transitioning my in-person classes and speaking engagements has been an unexpected joy ❤️ #crushyourmoneygoals


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Today we paid off our last credit card!!!! A total of ~$45,000 since January 2019. It feels like a weird time to celebrate this when so much of the country is in financial crisis because of covid-19. We’re blessed our jobs aren’t affected by it. As an NP I am very much affected by it and the last two weeks have been hard at work. So far no covid cases and we’re going through some crazy measures to keep it that way since i work in geriatrics so if it got to my unit it could be disastrous. I’m thankful. It’s been hard work and I don’t want to be tone death to our ability to pay off debt whilst so many are worrying about how to keep lights on and food on the table. But I also don’t want to not celebrate it because we worked hard to get here. #debtfreecommunity #debtfreejourney #debtfreecharts #creditcard #creditcarddebtfree #daveramseybabysteps #debtsnowball #debtavalanche #money


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Happy Tuesday!! • • Cash envelopes are unstuffed and final saving goals are in... drum roll, pleaseeeeee!! • • This month I saved 77.9% of my income. 24% went to my emergency fund, 50% went to my graduate school savings, and 3.9% went towards my cash savings!!!🙌🏻 I am so happy to say that I met my saving goal for the month of March, and actually saved 2% more than I wanted to. • • I had a total of 23 no spend days, which surpassed my original “no spend days” goal of 15. I guess that’s one good thing about being forced to stay home lol. I also saved a total of 95 dollars to put towards my cash savings!!! • • March has felt like A FULL DANG YEAR, and I’m so glad tomorrow marks the beginning of a new month with a new start AND a new budget!! • • While many challenges came up and I know many challenges will continue to pop up, I am proud of myself for working hard, saving harder, and making my dreams one step closer to becoming my reality. • • I hope April blesses you with good fortune and strong budgets. Even if you didn’t reach the goals you set forth or you were redirected to new ones, always remember that every day you are kicking butt and taking name. The only failure is when you quit, and I know that will not happen because I BELIEVE IN YOU!!! • • Stay healthy, happy, and sane!!


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Finally! Another milestone to celebrate and a step closer to becoming completely debt free. The last credit card we paid off was $5k! We were able to pay it off in about 2.5 months. This milestone means a lot because we were able to do it even with everything that’s been going on with COVID-19. I feel even more blessed and honored to be working in healthcare. I thought about pausing our debt snowball, but considering we’re in healthcare, nurses are needed now more than ever. Also, after listening to @daveramsey “Message of Hope” I realized I can’t control what happens tomorrow, I can only control today. . Anyone else listen to Dave Ramsey’s “Message of Hope” and what did you learn from it? . . #livenetpositive #motivation #family #cash #budgetplanner #plannernerd #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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Here’s what Brett and I are doing with our stimulus check! So far budgeting has been honestly fun for me and I love seeing our money managed correctly! Working on baby step 2 currently and can’t wait until we are debt free!! 💸 #daveramseybabysteps #daveramsey #budget #budgeting #fun #stimulus #babysteps


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April Budget, starting strong! 💪🏼 I’m ready to get back in the swing of things and make some money moves! I did let myself get down this week, but I’m feeling more positive again! • One big positive of all this craziness, is we’re able to cut down our budget big time! There’s hardly any extras, and necessities are minimal. Our money is only going to food during all this! • Thankfully, we’re still making income normally and we’ve decided to split the excess to savings and credit cards. Earlier I asked about what to do with a cancelled sinking fund, and we decided to throw a large chunk to B’s cc to get his credit score up. We’re trying to buy a house! 🏡 With this extra payment, his cc is now the first on the list for debt snowball, so I’m hoping to have his cc paid off very soon 😬!! • I hope you all are finding ways to stay happy during these strange days. Please let me know if I can help in any way! #debtfreecommunity #debtfreejourney #debt #debtsucks #totalmoneymakeover #daveramseybabysteps #daveramsey #babystep2 #firstimehomebuyer #emergencyfund #debtfreecharts


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After paying off my credit card, I STILL use it (and pay it off immediately)! I have big plans for my future and some of them might require a good credit score (sorry not sorry Dave). I sacrificed a lot to pay off my credit card debt and I'll be damned if I get myself back in that position. #debtfreecommunity #debtfreejourney #dfc #babystep2 #daveramseybabysteps #daveramseyish Background by @shop.callie.danielle


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APRIL GOALS ⭐️ . . To pay off my overdraft, then call the bank and tell them to close that sucker for good! . . I’m still waiting on my job to back pay me from paying out annual leave incorrectly, so am planning on using this in order to do so. They advised mid March that should be in 6 weeks time🤞🏼 . . #lockdownnz #overdraft #debtfreenz #frugal #debtfreejourney #debtfreecommunity #debtfreecommunitynz #daveramseybabysteps #barefootinvestor #danijohnson #FIREcommunity #budgeting #moneymakingtips #planning #finances #buildwealth #warondebt #debtisdumb #cashisking


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Tonight is our last night of Financial Peace University! In 9 weeks, we have accomplished more financially than I ever thought possible. Going through this course in the midst of everything going on, made it that much more important. I miss going to Parkview and having the classes together, and meeting with our group. But, we stuck to it and did it at home the rest of the time once the Stay At Home went into place. • We have sat down every paycheck together and budgeted our money. We have talked about our dreams and what we want to accomplish from taking this class. We have a better understanding of each other when it comes to budgeting together. Money is no longer a fight between us. Through this class we have truly become a team. • During this nine weeks, we completed the first baby step: saving $1,000 for an emergency fund. Then, we paid off our two smallest credit cards- and even shredded one of them! Now, in the midst of all the chaos going on right now, we’re putting a pause of paying off our debt as quickly as possible. We’re still making our payments, but we’re putting more into savings, just in case something happens and either of us can’t work anymore. If we stay working through it, when we’re done and things go back to “normal”, we will have a big chunk to pay off more debt. Either way, I’m so thankful for this class and how much we have learned. I’m not stressing and freaking out if either of us has to stop working due to everything. I know we have savings to back us up, and two credit cards that we don’t have to pay anymore. Words cannot describe how thankful I feel. In nine weeks, this is what we have accomplished. I know that it’s going to take a while to complete baby step 2: pay off debt, but I feel so good about how far we’ve already come, I can’t wait to keep going! • If anyone has the chance to take FPU, do it! You won’t regret it. It has truly changed our lives and they way we live, and even the way we communicate with each other. Thank you @parkviewchristian for offering the class and pushing us to take it. Thank you @daveramsey for helping us. We are forever thankful. ♥️


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It’s that time again 🥳 I love setting goals. Here’s a breakdown of my goals and the why behind them. . $1,500 to emergency fund BECAUSE I failed that goal last month and I’m set on achieving it. . Realistically I will probably make more via my side hustle but this goal isn’t to push me to a burnout. This goal is to give me structure on how to hit that number realistically. It doesn’t mean doing my side hustle every single day. I will inevitably set myself up for failure. . 28 no spends ... considering nothing is really open this shouldn’t be too hard. Besides work and side hustle I’ve been staying in anyways. I’m a homebody by nature. . I want to flip a piece of my furniture so bad!! It’s definitely on the to do list. I have a whole imagine in my head of how it’ll look🤓 . We have discussed in depth what our plan for stimulus checks will be. We’ve thrown ideas out, like a new mattress. When I got my tax return our initial plan was to buy a new mattress but coronavirus was starting to make its way into headlines so I stuck it all into savings... I’m feeling good about making that call. We just need to sit down and come up with a plan. I know many are throwing it straight to savings but I want to do something to help stimulate the economy because we are not in a financial pinch. . . . . #debtfreecommunity #debtfreejourney #debtfreegoals #financialfreedom #debtisdumb #debtsucks #savingmoney #daveramseybabysteps #daveramsey #babystep3 #aprilgoals #debtfreeliving #debtfreedom #debtfreelife


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People are so afraid to ADMIT 👏THIS 👏⁠ MONEY 👏⁠ IS 👏⁠ IMPORTANT⁠ 👏⁠ ⁠ I see so many people BACK OUT OF ADMITTING⁠ ⁠ THEY 👏⁠ LOVE 👏⁠ MONEY 👏⁠ ⁠ ❓What's wrong with loving money? ❓⁠ ⁠ ⁠ Money is just a tool.⁠ ⁠ It is intrinsically not good, not evil.⁠ ⁠ 👉As a tool, whether or not it's good depends on what you do with it. ⁠ ⁠ If you create goodness with money, then of course, money results in goodness.⁠ ⁠ If you create evil with money, then of course, the outcome would be evil.⁠ ⁠ 👉Money intrinsically does not cause any evil.⁠ ⁠ 📣Many of my 1:1 clients have mental blockages about money.⁠ ⁠ ⁠ You might think...⁠ ⁠ Well, that doesn't apply to me.⁠ I LOVE money! 😍⁠ ⁠ Trust me, from coaching my 1:1 clients, I learned that ⁠ ⁠ 👉Most people have mental blockage and limiting beliefs about money.⁠ ⁠ ⁠ They have thoughts like:⁠ ⁠ 👉Making money is difficult⁠ ⁠ 👉Making money is scary⁠ ⁠ 👉Money is reserved for other people⁠ ⁠ 👉I don't deserve getting paid more⁠ ⁠ 👉I shouldn't get paid for doing this/ teaching this⁠ ⁠ 👉No one will pay for my services⁠ ⁠ 👉I feel bad charging for my work⁠ ⁠ How are you supposed to build a wealthy life if you have these limiting beliefs?⁠ ⁠ How are you supposed to break beyond your earning ceiling if you have thoughts like...⁠ ⁠ 👉Making money is difficult⁠ ⁠ 👉Making money is scary⁠ ⁠ 👉Money is reserved for other people⁠ ⁠ 👉I don't deserve getting paid more⁠ ⁠ 👉I shouldn't get paid for doing this/ teaching this⁠ ⁠ 👉No one will pay for my services⁠ ⁠ 👉I feel bad charging for my work⁠ ⁠ The next time you encounter these limiting beliefs...⁠ Ask yourself⁠ ⁠ ❣️What are some opposing evidence to your limiting beliefs?⁠ ⁠ ⁠ #gogetter#selfeducate#knowledgeseeker#investingtips#investwisely#passiveincome#investorlife#creditcoach#buildwealth#debtfreeliving#makemoneywhileyousleep#budgeting#debtfreejourney#debtfreedom#debtisdumb#daveramsey#daveramseybabysteps#debtfreegoals#knowledgeisthenewmoney#millennialmoney#financialcoaching#financialindependenceretireearly#budgetlife#sucessformula#financeblogger


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Is April your first month budgeting? • Here is a rough guideline of what to spend in each category. Remember that your situation is unique so don’t be put off if a certain percentage is under or over. • Next steps? Download the @everydollar app and plug in your March expenses in the month of March. Then tomorrow you can log back in and transfer over these items into April and move around some money depending on your goals. • It takes an average of 90 days to get this budgeting thing down so don’t be discourage when things don’t pan out to what you expect. Track each dollar and give yourself grace in these first few months. What you did in the past lead you to this point, so give it a proper try and put your financial worries behind you.


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I figured now was as good of a time as any to review my budget. As I did I noticed a few things. 1. I’ve made a lot more progress in the past 5 years than I give myself credit for and I bet a lot of you are in similar situations. Have I ever had a “perfect” budget month where everything reconciled? NO! But I’ve “found” an extra $1000-1500 a month and that’s with no raises, only modest COLA annually. If you’re reviewing your budget, celebrate the progress you’ve made, don’t look for perfection, you’ll always be disappointed if you do. 2. The little things really do add up. Target and fast fashion used to be my downfall, I don’t miss them one bit. 3. My bare-bones budget is pretty close to my current budget. Minus travel money and some categories I’m a little more relaxed on. Deciding to get intentional with my spending and only spend on necessities and things that brought me joy or bettered my life was the single best thing I could have ever done for my budget. 4. It really is all about priorities and each of us have different priorities, no one is more right that someone else. Our budgets are uniquely personal and they should be! Prioritize what is best for you and your family, not what a stranger online says. Have you looked at your budget/spending lately? What surprised you the most. **You’ll notice my car payment is not on here, in a few weeks it will be paid off. Think I’m missing something like car insurance, etc? That’s accounted for in sinking funds, I pay as many bills as possibly annually.


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Make your own pizza is waaaaaay more fun when you have nothing else to do. And it saves a lot of money! #daveramseybabysteps #daveramsey #gazelleintense #dfc #debtfreecommunity #debtfreejourney


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Busy day here painting horses. Tomorrow I start 3 new dogs. The BLESSING of getting many orders allowed me to make only $5 short of my goal budget despite my layoff. I paid all my bills for the month of March!!!! 👍🏻 THANK YOU Jesus and THANK YOU friends for telling friends about me or ordering portraits from me!!!! YOU kept me busy and kept my lights on. I will be ok (as long as I can do it again next month) #daveramseybabysteps #daveramsey #gazelleintense #dfc #debtfreecommunity #debtfreejourney


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Anyone else down to a 4 walls bear bones budget due to a layoff/coronavirus? I was blessed to sell enough pet portraits last month to make it happen. I’m hoping for another month of success. No subscriptions. No haircuts. No sinking funds Nothing. #daveramseybabysteps #daveramsey #gazelleintense #dfc #debtfreecommunity #debtfreejourney


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ENTER NOW! GIVEAWAY ENDS TONIGHT 11:59pm!⠀⠀ Show us your wallet and WIN an extra $50 CASH for your cash envelopes!💵💰⠀⠀ ⠀⠀ Enter both of our monthly Find Wallet Peace giveaways today:⠀⠀ 1. Post a photo of your Bella Taylor Cash System Wallet in use on Facebook and mention @TheCashSystemWallet⠀⠀ 2. Post a photo of your Bella Taylor Cash System Wallet in use on Instagram and mention @TheCashSystemWallet⠀⠀ 3. Post on both for 2 chances to win!⠀⠀ ⠀⠀ Follow @TheCashSystemWallet on Facebook and Instagram where we will randomly draw one winner from each platform on the first of each month.⠀⠀ ⠀⠀ For full details: click link in profile.⠀ ⠀ #daveramsey #cashenvelopewallet #cashenvelopesystem #debtfreecommunity #debtfreejourney #debtfree #debtfreeliving #budget #budgeting #daveramseybabysteps⠀⠀⠀⠀⠀ #cashsystemwallet #TheBitLoomCo #cashsystem⠀⠀⠀⠀⠀ #cashenvelopes #DaveRamseyEnvelopeSystem⠀⠀⠀⠀⠀ #financialpeace #cashflow #coupon #couponing⠀⠀⠀⠀⠀ #couponcommunity #couponers #debtisdumb⠀⠀⠀⠀⠀ #finance #savemoney #findwalletpeace #sidehustle


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How’s your food budget holding up during quarantine?! 😅 #cashenvelopes #cashenvelopesystem


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Debt Check: We were able to pay off an extra $5,245 this month!!! ⁣⁣ ⁣⁣ Since starting to budget & pay aggressively towards Austin's student loans last December, we've started to look forward to budget check-ins with each other and final "pay ins" at the end of each month to see how much our hard work paid off ⁣⁣ ⁣⁣ Since sharing the first update of how much we could put towards our debt in February, I've gotten lots of questions on how we are doing it & have even helped a few people set up their own personal budgets ⁣⁣ ⁣⁣ This is something that most people simply do not talk about and I love that sharing our experience with it has been able to help even a few⁣⁣ ⁣⁣ If you don't have a budget already, now is an awesome time to sit down and start one⁣⁣ ⁣⁣ For us specifically, we try to cut anywhere we can because we want these loans GONE ⁣⁣ ⁣⁣ Our goal is to be debt free within the next 4 years of $260,000 starting student debt and I'm excited to see what we can accomplish!


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HI APRIL! I am so excited to see you! This is the month we anticipate to be CREDIT CARD DEBT FREE!!!!! I have wanted this since the beginning of our journey. This is the debt that we just never realized was a problem. If all goes as planned we will say 👋🏽 to this credit card! I am so excited and VERY grateful to be able to keep my job. Also, would love to announce that R GOT THE JOB!!!!! We are incredibly blessed that R was able to get a job in the middle of a pandemic and do not take this blessing lightly. Thank you all who prayed with us or sent good thoughts our way! April is going to be a great month!❤️🌺 #budgeting #debtfreecommunity #debtfreejourney #debt #debtfree #debtfreegoals #debtsnowball #debtisdumb #debtfreedom #millennialbudget #budget #budgetingtips #dave #daveramseybabysteps #babysteps #debtsucks #debtpayoff #debtfreelifestyle #debtmanagement #debtfree2020


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Hey guys I was listening to the Dave Ramsey show and FYI they’re having a huge sale right now. $1.99 audiobooks of total money makeover, $20 for the high schoolers finance class, free 14 day trial of FPU, etc. #debtfreecommunity #daveramseybabysteps


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Despite the craziness of COVID-19 we’ve managed to pay off all our debt! ♥️ Here’s to a debt free life. 🥂 #daveramsey #debtfreecommunity #debtfreejourney #daveramseybabysteps #daveramseywouldbeproud


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The plan for April!! It’s quite ambitious but seeing as we’re on lockdown, I have no classes until July & 0hrs work (on furlong payment) it’s totally doable. I just have to keep my food budget low 💪


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💸March’s debt payoff total. Last big one for a while I think. . . #debt #debtfreecommunity #debtfreejourney #debtpayoff #money #daveramseybabysteps #babysteps #babystep2 #march #financialpeace #budget


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Hello, April 👋🏻 🌺 ⁣ ⁣ I have finished our budget for the month and we now know which bill we’ll pay with which check, and we have a plan in place for all remaining dollars 💸 ⁣ ⁣ Have you finished your budget for April??⁣ ⁣ #daveramsey #daveramseybabysteps #babysteps #babystep2 #financialpeace #debtfreedom #debtfreejourney #debtfreecommunity #debtisdumb #cashisking #budget #budgetting #budgetbypaycheck #budgetbypaycheckworkbook


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This morning I received some sad news that my coaching conference scheduled in July has been cancelled! 😔 It's disappointing but necessary so we can protect each other and our families. This community of BEAUTIFUL people became my family almost 4 years ago. They've have inspired me to grow in every aspect of my life including my finances, mental and physical health, and relationships. & It is why I'm a full time personal trainer and online coach now! 🔥👊🏽 So thankful. For now we will stay home but we will be together again soon!


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Fellow rebels, we delivered a massive blow to our debt star this month! Emperor Palpatine was hit with a $6,054 payment that hopefully left him a little shaken! . . With both of our jobs remaining stable, we’ve decided to still attack our last student loan debt (Emperor Palpatine) with Kylo Ren intensity (so intense!!)!! . . We shall hopefully be able to make a similar payment in April also (no daycare fees, yay!!) Can’t believe this quarter is already gone and ending the way it is...we hope you are all staying safe, healthy, sane, and watching a lot of Star Wars (that is a good use of your time)! . . How’d you all do finances-wise in March...everything considered?! . . May the Force be with you during the month of April! . . #debtfreecommunity #debtfreejourney #daveramseybabysteps #babystep2 #budgetingfamily #financialliteracy #debtisdumb #cashisking #creditcarddebtfree #payingoffstudentloans #studentloans #studentloanssuck #studentloanstruggle #monthlyreview #monthlyrecap #moneymoves #destroyingthedebtstar #starwarsreference #snowballmethod #debtsnowball #debtpayoff #debtpayoffjourney #palpatinestudentloan


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MARCH NUMBERS. Better than nothing.😅🎉 #debtfreefuture


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A few days ago I finally, finally, FINALLY took the plunge and downloaded @thebudgetmom ‘s budget by paycheck workbook. We filled it out and planned out April, or at least what we think will happen for April. Then I downloaded these awesome (and free!) cash envelope templates, and printed them on colored scrapbook paper. A few years ago we started our debt free journey by selling our cars and downgrading big time into paid-in-cash vehicles. We cut up the credit cards, stopped taking on debt, saved and paid for everything in cash. We haven’t been aggressive as we could have been, mostly because our irregular income makes it harder to budget. Nothing like a global economic emergency to kick our butts into high gear again 🙌🏻💕 . Do you follow a written budget every month? What system works best for you?? . . . . #budgeting #budgetmom #momhacks #momof6 #cashenvelopes #daveramseybabysteps #daveramsey #daveramseybudget #youneedabudget #ynab #nailcare #diymani #nails #nailart #nailpolish #nailstagram #nailsofinstagram #easynailart #athomemanicure #nailstyle #instanailstyle #manioftheday #beautyhacks #colorstreet #beautyonabudget #thepaintednail #thepaintedpineapples


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What small routines are you maintaining to try and keep some sense of normality? Today I’m wearing earrings. Sounds silly I know, but when I go to work I usually wear earrings, so that’s what I’m doing today. What else are you doing? #hotmessmoney #isolife #debtfreecommunity #debtfreejourney #barefootinvestor #daveramsey #daveramseybabysteps #intentionalliving #mentalwellbeing #thesmallthingsmatter


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This was my best month yet with VIPKid! Swipe ➡️ to see! I initially started teaching as a way to have extra money to put towards debt as we began our debt free journey. It has been a huge blessing! I feel called to share more about our debt free journey. Would you like to hear how we got started? What steps we're taking? Or how we're handling COVID-19? I'm considering doing a LIVE 😬 I've never done one, so I'll probably be awkward 😂 but, I would love to interact with you & help others if I can! What questions do you have? Drop them below & if others are interested, I'll put together a live soon! 👍


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This tiny room is my favorite space in our home. It has huge windows that bathe it in deep Texas sun. It faces a beautiful garden so it gets all the flowers and none of the street. It just feels like the room is giving you a hug every time you step foot in it. I would love to turn this room into my creative space...but I’m not...because we can’t afford to yet. This isn’t a story of sadness: this is a story of determination. We rent this room and we’re blessed that we’re able to! Right now we are eagerly awaiting our new renter who will stay with us, hopefully, for awhile and become a part of our home. I don’t want to rent forever. I want this space to be mine...but when it comes to your financial goals you MUST be able to make the short term sacrifices for long term prosperity otherwise you’ll never get anywhere. This room WILL be mine someday. Just not yet.


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What I learnt from going though a recession that may help others during Covid-19.⁣ ⁣ In 2008 we were hit pretty hard by the recession, we had 2 houses, our first child on the way, high interest on our mortgages and were living on one income. What followed was 5 years of ‘getting by’.. we got into more debt, borrowing from one to pay another, we sold pretty much everything we owned, downsized our car, sold one property to come out with nothing and the other sat on the market for over two years with no interest and then we nearly lost it.⁣ But.. man did it teach us some lessons!⁣ ⁣ Here are some things we learnt:⁣ • Never bury your head in the sand, face your financial situation and create a budget (a realistic budget).⁣ • Go back to basics (groceries, expenses, recipes, everything).⁣ • If you can’t pay your bills, ring up and tell them. You would be surprised at how understanding some companies are and will usually arrange a payment plan. This can take away so much stress.⁣ • Sell anything around the house that is no longer needed or used.⁣ • Downsize as much as possible.⁣ • Embrace small luxuries, free outings and time at home.⁣ • Learn to bake/cook (youtube, online recipes, library books are great free resources).⁣ • Make your money stretch.. portion food, shop around, wait for sales, compare other service providers.⁣ • Always pay your rent/mortgage first.⁣ ⁣ It can feel so scary, uncertain and stressful... but it’s not forever. It’s a short term situation that you just have to do your best through. You’ve got this! 🙋🏻‍♀️💕


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March has been a wild ride on the ol’ budget. My March money goal was to make $1000 bartending but due to the pandemic and being laid off my side hustle gig, I didn’t come close to that. Add in an unexpected $800 medical bill and lord knows what my retirement accounts look like. All else aside, I made my biggest payment thus far knocking off another snowball. Knowing I will be laid off my side hustle through April and moving at the end of the month having to make 2 rent payments in May, I don’t expect my debt snowball to move much in the next 2 months. 🖕🏼I refuse to let this pandemic get in the way of my success 🖕🏼Are you saving extra money during this quarantine?


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With everything going on in the world, extra payments towards debt is on pause. We are grateful that both of us are still able to work during these hard time. We know that God will provide and we trust in Him ☝🏽 hope everyone’s stays safe! 🙏🏼 #debtfreecommunity #debtfreejourney #babystep2 #daveramseybabysteps #debtfreeliving #laborinthetimeofcorona #livingintentionally


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Getting rid of Sallie Mae like Carole Baskin got rid of her husband.


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I have had the privilege of sending lots of happy mail on your behalf this week and y’all are so stinkin sweet. Your loved ones are so lucky to have you!! . . I am going to keep the code SHIPSFREE active a little while longer since we are all going to be social distancing for longer than originally expected 🙂


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We have been debating whether to continue posting about our debt payoff progress when so many people are struggling right now. We decided to continue posting for now because we need something positive and normal to focus on and maybe you might too 😏 ... So here it goes ⬇️ ... Today we paid off my LAST undergrad loan with Navient 👏🏻🎉😄 ... These 6 loans were dispersed in 2006, 2007, and 2008. ... They originally totaled $26,655 and then $10,000 in capitalized interest was added, then paying the minimum for years, and then finally paying each one off when it came up in our snowball over the last 3 years. ... Navient is gone FOREVER! And we are down to TWO lenders 🙌🏻 ... On to the next one...


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GOODBYE TO 2020... oops I mean March 🤨 We put away $50 a week plus 1 paycheck this month into our savings for our house! Jared was flown home to Nashville and has been quarantined with Haley for the past 10 days... luckily, we restocked on alcohol to keep us sane 🤪 Binge watching is in full effect for us! Stay safe and stay home! #debtfreecommunity #debtsnowball #deepindebt #gazelleintense #studentloans #creditcarddebt #daveramsey #daveramseybabysteps #pausedsnowball #savingforahouse #savingforahome #firsthomebuyers #firsthometogether #nextchapterinlife


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Oh gosh how quickly things have changed. If you had asked me on March 1st, I would be 100% confident my car loan would be paid off by late-May. Now, I’m not even sure I’ll pay it off early at all. I may just pay $200/month until June 2021 when the loan matures #DebtFreeJourneySD #FinancialFreedom #BabySteps #Budget #DebtFreeCommunity #Debt #DebtFreeJourney #PersonalFinance #Budgeting #WealthBuilding #StudentLoans #MoneyMindset #MoneyMatters #DebtSnowball #CarLoan #DebtIsDumb #DebtFreeGoals #DaveRamseyBabySteps #BudgetLife #CreditCardDebt #EveryPennyCounts #FinancialHealth #ZeroBasedBudget #DebtManagement #DebtFreeDreams


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I see you and welcome you to Bloom Budget, where we share our actual income, our actual budget, our actual debt, and our actual lives.⁠⠀ ⁠⠀ This has been multiple months in the making. ⁠⠀ ⁠⠀ Primarily because y'all have all. the. good. IG. handles. Buttttt, we've landed on one. Bloom Budget. ⁠⠀ ⁠⠀ This time last year we owed $38,000 in debt! 🤢 We owed on a car, a credit card and a student loan (make that 6 of them...) AND WE WERE OVER ITTTT!⁠⠀ ⁠⠀ Debt/money/income has been taboo for generations so it's no surprise none of us grew up knowing how to budget or save or get out of debt. My goal is to normalize the narrative around money by sharing what we do/have done to dig our way out of debt with our REAL NUMBERS.⁠⠀ ⁠⠀ Bloom Budget is a space where we can figure this money ish out together because come to find out, you don't have to be in debt living paycheck to paycheck. ⁠⠀ ⁠⠀ So follow along as we (yes, me and you... because remember, we're still in debt) budget together, save together, sacrifice together and make our money do what we tell it to freakin' do. ⁠💁🏼‍♀️⁠⠀#lowbuybeauties


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