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👎 Managing Uncertainty 👎 Guess what? Still no baby. I woke up this morning at 5 with my head spinning. I wrote a long note on my phone weighing up my options and thinking about the things I need to ask if I’ve not started labour before my 8pm appointment tomorrow. Plus processing the fact that I will be going to this appointment, asking these questions and making these decisions on my own as there are no birth partners allowed until we get to the delivery room itself 👎 I have been blessed so far in my life to have steady mental health. I’m fortunate enough not to suffer with anxiety but I did feel very anxious and overwhelmed. So I played the game I always play in these situations, I’ve called it “will I still care...?” It works great for calming down after arguing with your spouse, making parenting decisions and deciding how scared to be in a pandemic👍 Think of the scenario that’s scaring you and ask yourself “will I still care in... 10 years?” Start with a really big amount of time. In 10 years time, will I still care if I have to be induced on my own tomorrow?When our ten year old and 12 year old are bickering and the dog’s getting old and Mr FF and I are a little grey? Nope ✨ Will I still care in five years time? This little one will be starting school then. This pandemic will be a distant memory for us. No, I won’t care then if I have had to spend a few days on my own in hospital waiting for labour to kick in 🏥 . How about a year? When our little girl is pulling herself up on furniture and our son is three? Nope. In six months when life is back to normal? Nope. In a month when we’ve got some sort of vague routine and my husband has started his new job? Nope. It won’t mean anything how she got here then, just that we’re all here and together 👨‍👩‍👧‍👦 . In fact, I won’t care the moment she gets here. It will completely stop mattering to me once we get home and I see my son again, or once I’m in that delivery room holding our newborn to my chest and my husband is sobbing next to me. So really... it’s not that big of a problem if I won’t care in a week🤷🏼‍♀️ . This always makes me feel better - it puts so many things into perspective! 🌟


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Update of my challenge! I am more than ever trying to get my debt down quickly. I'm just so fed up with it. I cant wait to be free! . #debtfreecommunityuk #debtfreecommunity #debtmotivation #debtfreejourney #debt #dfc #debttips


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Have goals that you are constantly working towards. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Dr John Demartini. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Goals are what take us forward in life. They are the oxygen to our dreams. They are the first steps to every journey we take and are also our last. What is the biggest goal you would like to achieve before the Shelter In Place is over? I’d love to hear it in the comments below 👇👇👇 . . . . . . . #thewealthgardener


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Despite what's going on in our world today, we still have reasons to put on smiles on our faces — a debt relief could be one major reason to have a joyful heart during tough times like this! Are you finding it difficult to cope with the recession that has struck the world today as a result of the pandemic, do you struggle financially as a family or a single parent, student or an affected business owner, we invite you to apply for our debt relief programs, you could be the next beneficiary, joining thousands who are already smiling today. Become #debtfree like Harley (in the photo) Use the 'Contact Us' link on bio, or call (786) 3847681 #debtrelief #heirsholdingsdebtreliefprograms #debtfreecommunity #debtfreejourney #debtfreegoals #debtfreecommunityuk #debtfreecommunityusa #daveramsey #debtfreesupport #financialsupport #financialraise #tennessee #southcarolina #northcarolina #IowaI #hawaii #oregon #portland #miami #idaho #boise #newhampshire #Arizona #Massachusetts #connecticut #Alaska #maryland


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Understandably, investing is probably the last thing on a lot of people's minds right now. However, this is a great little app to help increase your knowledge and to understand some of the basics about investing if this is something you wish to consider in the future. There are small lessons and quizzes and four different levels. Free to download from the Google play store. #samsung #googleplay #investment #investing #learn #debtfreecommunityuk


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Hi 👋! If saving for your pension is part of your financial plan, you may find this table useful. Do you know what amount of money you are on track to earn when you hit retirement? Even if you think retirement is ages away, it’s worth thinking about. #retirementplanning #personalfinance #ukmoneybloggers #pensions #livingstandard #mortgagefreecommunity #debtfreecommunity #debtfreecommunityuk #mortgagefreecommunityuk #mortgagefreeuk #achieveyourgoals #babystep4 #babystep456 #retirement


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We picked this screenshot from the gram, and guess what's wrong with it. The scheduled payoff date!!! Why wait for so long to become debt-free when there are various debt relief programs in the United States, Canada, and the UK. Is there any joy derived from owing debts? NO of course! Apply with us. Call or Text (786)384-7681 NOTE: Application forms are free and only a few applicants are selected each year. Be among the few! #creditcarddebt #loans #debts #debtreliefprogram #debtfreecommunityuk #debtfreecommunitycanada #debtfreecommunity #babysteps👣 #babystep2 #fedloan #studentloandebt #mortgagedebt #stayhome #staysafe


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At the moment, the overpaying has halted until our emergency fund ( #babystep1) is at the target £1000. Currently sitting at £600, and hoping to have it completed with end of Aprils pay. Then the focus can go back to #babystep2 . I know we should be doing the lowest balance first as per the #daveramseybabysteps but there is not that much between them ( other than the fact that CC2 is interest free for another 23 months!) . So CC1 is our main focus. £604.61 is the amount ( once next month's interest is added) it will take to get the balance below £4000. That's what I'm aiming for with #gazelleintensity !! #debtfreewannabeuk #debtfreewannabe #debtfreecommunity #debt #debtfreecommunityuk #dfc #daveramsey #frugaltofree #budget #debtbegone


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And the results of the Quarter- Finals of the “Battle of the Receipt Upload Apps” are in. Thanks for voting for your favourites. Quarter Final 1: A very close competition between #Snapmyeats (52%) and #receipthog (48%). . Quarter Final 2: An easy win for #shoppix (90%) against #checkoutsmart (10%). . Quarter Final 3: Again a very close competition between #shopmium (52%) and #Huyu (48%). . Quarter Final 4: An easy win for #zipzero (71%) against #greenjinn. . The Semi- Final voting starts now in the stories . Please vote. . What did you think about the results? Were there any surprises?. I thought HuYu did very well (even though it did not win). I was surprised to see that checkoutsmart did not do that well. . . . . . . #debtfreecommunity #ukdebtfreecommunity #debtfreecommunityuk #debtfree #sidehustle #sidehustleuk #receiptapp #fun #votingmatters #vote #comment


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Last Wednesday, I was crying my eyes out after losing my job.... This Wednesday, I laughed hysterically for the first time in a while…. This was my sons reaction when he found out it was a girl. We had to remind him, that he does actually get on with girls, especially his cousin, they are so close. Being pregnant during the lockdown has not been easy. It’s the little things you look forward to on the pregnancy journey like going for a scan, which is no longer exciting. I walked into the hospital alone feeling so sad and worried. as no kids or partners are allowed, I was hoping we could all find out the gender together, so asked the sonographer to write it down but unfortunately that wasn't allowed too so this is what happened when I told my son. Thankfully, baby is healthy (which is all that matters and to my disbelief it was a girl. Now I can get my tubes tied!


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I feel like I’ve cooked a thousand meals in the last two weeks. It’s an endless cycle of peeling spuds and boiling pasta. I don’t even eat out that much normally. 🤷🏻‍♀️ Bloody lockdown! #mealplanning #savingmoney #frugal #frugalliving #frugality #budget #budgetmom #budgeting #dfc #debtfreecommunity #debtfreecommunityuk #ukmoneybloggers


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April is Financial Literacy month. Financial Literacy can obtained or improved through Financial Education. The education can come in many forms such as Books, Podcasts, YouTube, Social Media, Financial Courses, or actually learning through experience by making Investments. Starting this page and following like minded people has enabled me to gain additional financial insights simply through observing the actions of others. Reading the posts and following the content of those within the Debt Free Community or those following FIRE has in a short space time helped to increase my financial IQ. Thanks to all who are posting financial content and sharing their wisdom and experiences 🙏😁


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Nothing like drying inside, better for the humidity in the house and a cost saving on tumble drying #yayforspring. . . . . . . . . . #spring #laundry #laundryday #clothesline #washing #moneysaving #thriftyliving #frugalliving #onabudget #debtfreecommunityuk #budgetingbrunch #yarden


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Write it down! I have been telling myself this for the past couple of weeks! When all this started one of my first concerns like many of you I’m sure was financial but at the beginning we had no idea how long all this would go on for. Now it is becoming more apparent that it’s going to be a while before anything gets back to ‘normal’ I finally sat down and wrote down all our incomings and outgoings. I’m not much of a budgeter so I don’t track all my spending so this was a really good exercise and I feel so much better having written it all out. So, if you are worrying about money without having really looked at your situation, write it down, you might be pleasantly surprised! Have you written down all your finances recently, do you think you need to do it?


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We’ve been hankering for an Indian take away but we don’t want to spend £25 in all honesty, so today in the big food shop I picked up one of these for £4, with some beers in the fridge chilling away it’ll be a proper little date night for a fraction of the price 😉👍🏻 #bargain #thrifty #cheap #budget #budgetlife #budgetmeals #saving #debt #debtfree #debtfreeuk #debtfreedom #debtfreegoals #debtfreecommunityuk #debtfreejourneyuk


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We are into our fifth week of Mr Secretly in Debt having a second job so thought I would update. I struggled the first week or so. I felt grumpy as I adjusted - it’s bloody hard work holding the fort in a busy household and working myself. As much as I love my family sometimes it’s draining and most definitely #blessedbutstressed (if we are all honest it is demanding when you have a young family - I am sure you understand) but it has got easier as we’ve settled into our new normal. When he suggested the idea of a second income I questioned whether he could do it? I worried it would be a strain on him. Physically, emotionally. I didn’t want him to burn out. He said he could do it but he had two requests. 1. I needed to make sure he was well fed to fuel the physical strain (he loves his food and really struggled with hanger) and 2. He needed me to be able to cope at home. He needed me to be in control and not ringing him up losing my shit saying I can’t do it. Don’t get me wrong I feel like it sometimes but I’ve kept my end of the deal... just! The role he took on was a food delivery driver so he is feeling in a good place at the moment. He feels like he is helping the current situation delivering food to the most vulnerable so that feeling of contributing is most definitely spurring him on. His first pay day has been and gone and it’s a massive £450 extra per month for us. We are banking the money at the moment until the pandemic ends and business returns to usual but it will be a great overpayment each month onto our credit cards. I’m proud of him. I’m proud of us. #debtfreejourney #debtfreejourneyuk #debtfreecommunity #debtfreecommunityuk #secondincome #hustling #hustlingbaby #increasingincome #attackingdebt #notforthefainthearted #hardwork #teamwork #dreamwork #secretdebts #secretlyindebt


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Just 1 hour, nothing more nothing less :) - - Hé nice, ur checking out under my post :) - Follow me at 🔥@boomeasy_🔥 for more daily motivation 💙 - I am posting 3 times a day on this Instagram🙊 And I am uploading 3 times a week personal finance videos on YouTube at BoomKoper 😉 - Share this with as much people as u want :) - So if ur interested in those things just consider following me and subscribing to my YouTube 👌😜 - Tags so this post can be seen by more people! #boomkoper #boomeasy #selfworth #selfgrowth #selfinprovement #stockmarket #personaldevelopment #selfdevelopment #personalfinance #moneymanagment #networth #wealthcreation #financialeducation #moneysaver #debtfreeliving #financialpeace #personalfinances #moneyadvice #frugallife #debtfreeuk #debtfreecommunityuk #debtpayoff


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Well I haven’t seen a price per litre like that for a while #debtfreecommunityuk #ukdebtfreecommunity #budgetplanning #moneysavingtips


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It’s getting warmer and Maisie should have had her hair done 3 weeks ago so we took some photos and asked our groomer for advice. We’re going to try to hand strip her ourselves, wish us luck! 🐾


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Well the #lockdowndiy is continuing in a way that I didn’t think possible. I’ve helped to do jobs that I’ve learned lots of new skills from so that’s really satisfying. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ So far I’ve sanded and oiled the front door, new step we recently had replaced and driveway gate plus I’ve also helped put new roofs on two log stores and two sheds. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ We’ve also repurposed an old dog kennel today into another log store and put a new roof on that too. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ It’s lucky that we had all the supplies delivered a few weeks ago and were going to do the jobs slowly over the year but they’re all more or less done now. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ I’m going to turn my attention to the garden next which is not something I normally have a lot of time to do but I have a feeling I’ll get really in to it this year. 💖 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ . #mummysavingshopper #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #savingmoney #fabulouslyfrugalfinance #savingmoneyuk #uksavingmoney #frugalliving #frugal #frugallife #frugalmeals #nospenddays #nospendmonth #gazelleintense #daveramsey #babysteps #moneysaving #debtfree #debtfreeliving #debtfreedom #sinkingfunds #budget #budgeting #minimalism #livewellforless #sidehustle #moneyblogger


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NEW BLOG POST ALERT 📝. LINK IN BIO 🔗 During times like these when we don't know what will be going on next week let alone next month, it's important for us to be as prepped as poss or the times ahead and I'm not just talking about when our lives can resume to normal, I'm thinking about the recession that lies ahead too. 3 important things to handle personal finances which may seem common sense to some, but I personally know people who have not done each of these things over the past few weeks!. . . . . . . . . #personalfinance #personalfinanceforwomen #money #moneymatters #recession #marketcrash #stockmarket #coronavirus #covid19 #stayathome #selfisolate #selfisolation #quarantine #investing #savings #savingmoney #budget #budgeting #womenandmoney #financialfeminist #financialfreedom #financialwellness #emergencyfund #debt #debtfree #debtfreecommunityuk #financialknowledge #moneygoals #financialgoals #ipreview via @preview.app


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Debt Update: ⁣⁣ ⁣⁣ I have a New Debt Total, only £991 left to pay off.⁣ Yay! 💃🕺⁣ ⁣⁣ Started off with over £6,000 of bebt and now I'm very close to living the debt free life. It's been a bumpy road but I have managed to stay focused and have now paid off over £5,000. ⁣⁣ ⁣⁣ Feeling accomplished this afternoon... 😊 ⁣⁣ Due the current worldwide crisis, I won't be making any extra payments towards this debt until I have a fully funded emergency fund. It's interest free and it will good for building my credit score if I pay it off over the next 8 months, as long as I don't miss a payment. ⁣⁣ ⁣⁣ #debtfreecommunity #debtfree #debtfreejourney #debtfreecommunityuk #moneytips #zerobasedbudget #financialindependence #moneymoves #financialliteracy ⁣⁣ #moneysavingtips #moneysaver⁣⁣⁣⁣ #debt#babystep1 #babystep2 #babystep3⁣⁣⁣⁣ #personalfinance #financialpeace #budgeting #financialfreedom #money #savings #daveramsey #debtfree #budgeting #debtfreejourneyuk #ukdebtfreecommunity


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I have always held the belief and practiced the principal that we have to protect ourselves first, even if that means starting the debt snowball a bit later. Anything can happen as proven world wide lately, this is obviously extreme but many other things could have the same affect on your life at anytime. Please take this seriously and as soon as possible start saving what you can and build your emergency savings fund! What is your game plan?


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£15 food shop… . My partner popped into Aldi with a specific list of what we needed over the next 7 days.This actually came up to £14.08 but there was no flour. . I was reluctant to share, as I thought last week was a bit of a fluke however for the second week in a row we have managed to keep our shopping under £20. . Here’s afew key tips which has helped: ⭐Basic meals - No extras, no more salads or sides just the basic ingredients in our meals ⭐Inventory - Making meals based of items we already have, for example we already have some broccoli, carrots and rice at home so straight away, I think of a veggie stir fry! ⭐No Snacks - Bye bye Crisp, chocolates etc we are only buying a 30p pack of rich tea at the minute ⭐Bulking up meals - We have ate so much fruit and veg to bulk up our meals. For lunch I mix a bowl of oranges and appples and for dinner, we add peppers, onions and then dependant on the meal, veggies in too. ⭐Meat - Swapped chicken breast (Usually £5.50) for £1.50 chicken drumsticks and no mince, we ration out 3 per a meal and only have it a few times a week. ⭐Dilute - We dont usually drink pop or juice so spending just a pound a week on juice is a usually a good help. ⭐Aldi - Cant fault Aldi for their prices, I do struggle with toiletries etc but food wise, they are brilliant . Im mindful that we still have the odd ‘now called ‘luxury’ at home so we don't need to buy them at the minute, such as seasonings. Im also mindful that I was buying my maternity leave toiletries early which is one less thing to worry about. . As mentioned, we do still have the odd item at home such as veg and chopped tomatoes which aren't on this list, however even when we do need these items, it wont be much more as long as I hope ill be buying one item at a time. . Our bellies are full and we are still eating healthy, it just takes abit of planning but saves so much money.


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Still here. Just enjoying time with this one and his daddy and juggling everything inbetween. We're all at home and being careful with money whilst my hubby is furloughed. Going to start side hustling some more next week in hopes to raise a mini holiday fund for summer (or whenever things are back to normal). Hope all is well with you and yours! #CoronaLockdown #moneysavingtips #budgetmum #studentmum #debtfreejourney #debtfreeuk #debtfreecommunityuk


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Thank you Pukka for these free samples! Cannot wait to try them! Get yours at https://www.pukkaherbs.com/join-the-collective.html #cashsavingcath #pukkatea #pukkaherbs #moneysavingtips #moneysaving #savingmoney #debtfreecommunity #moneysavingapps #freeshopping #freebies #freestuff #moneymaking #moneymakingapps #everylittlehelps #debtfreecommunityuk #budget #thrifty #budgeting


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We turned an old cereal box into Easter Egg pictures for the local window egg hunt.. 🐣 . . All over the country Easter egg hunts have been cancelled. So now people all over social media are asking for children to colour, paint, craft Easter eggs for their windows. . . Then when our on daily exercise local children can still do an egg hunt seeing how many they can spot in windows. 💕 . . Both my children wanted to draw NHS eggs. I wanted to join in with my own creation but ran card! Are you joining in the hunt? —————————————————————— #easteregghunt #windoweasteregghunt #easteregghunt #moneysavingtips #recycled #moneysaver #savemoney #sahm #wahm #organisedmum #budgetliving #budgetmum #budget #frugal #frugalliving #frugalmum #thrifty #thriftymum #easterfun #thingstodowiththekids #lockdownuk #essexmums #debtfreecommunityuk #debtfreejourney #nhs #craftingwiththekids


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I don’t know about anyone else but I’m certainly feeling overwhelmed at the moment...not just with finances but with everything. . Anyone else feeling the same? . My earnings have dropped significantly being self employed and as yet I’m not sure if I’m eligible for the government support. . As a result I’ve had to redo my budget quite a few times! . I’ve also decided to try and get £750 through side hustles - mainly selling on eBay! . At the weekend my boyfriend and I went round the house collecting up everything we could list on eBay....then I created a @monzo pot to put the money into! . What are you doing to earn some extra money during this lockdown? . . #debtfreecommunity #budget #frugalliving #budgeting #budgetplanner #debtfreegoals #debtfreeuk #debt #debtfreecommunityuk #frugallife #ebay #ebayseller #ebaylife #monzo #monzoaccount #monzopot #coronavirus2020 #lockdown2020


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🤰🏼 We’re Doing This 🤰🏼 . Trying to get this baby out of me! I’ve just eaten an entire pineapple as that’s supposed to soften my cervix 🍍 We’d like to be in labour by Friday, please share your tips and tricks below 😂 #frugalmeals #frugal #budget #budgetmeals #frugalmum #budgetmum #frugalfamily #budgetfamily #debtfreeuk #debtfree #ukdebtfree #debtfreecommunity #debtfreecommunityuk #lockdown #yum #ukdebtfreecommunity #bargain #yellowsticker #ukmoneybloggers #ukfinance #pregnancy #pandemicbaby #overdue


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Freezing left over vegetables!! I know many of you already do freeze your batch cooking or left overs but I Just thought this could be helpful for anyone who may not have thought about freezing or wasn’t sure how too (with regards blanching!) ! In the current situation none of us want to do unnecessary trips to the shop or waste food that we have managed to buy so freezing food you haven’t got round to using makes sense! Before you freeze your vegetables most of them will need to be #blanched before you freeze them! #Blanching helps vegetables keep their vibrant colors and retain nutrients, and stops the enzymes that would otherwise lead to spoilage. Freezing vegetables without blanching them first results in faded or dulled coloring, as well as off flavors and textures. 1. Cut your chosen veg into slices or chunks try to cut them the same size. 2.fill a large pan with water and bring to the boil. 3. At boiling point add your vegetables very carefully and start timer! Most veg will require 2-5 minutes depending on size! 4. While veg are boiling get a bowl and fill it with ice and cold water. 5. When the time is up use a slotted spoon and transfer the veg to ice bowl this will stop the cooking process! Leave for a few minutes! 6. Drain your veg until you get rid of excess water and then put into freezer containers or freezer bags! If using containers make sure you leave a one inch gap at top, this allows for expansion! If using freezer bags try to get as much air out of the bag as possible before sealing it! With a marker label and date your item ! Most veg can be kept up to 12 months but I like to use mine up within 6-9 months! If you want to freeze onions, bell peppers or leaks you do not need to blanch these as they freeze well without a pre-boil! Hope this helped #staysafe everyone! #stayathome #debtfreecommunity #debtfreejourney #debtfreecommunityuk #cooking #cookingathome #cookingtips #blanchingvegetables #budgeting #savingfoodwaste #savingfood #stoppingfoodwaste #covid19 #isolation #coronavirus #coronavirusuk #instamum


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March was a good month for me when it comes to making money, mostly as a result of diversifying my income a little more and getting a lodger My income was made up of 🛒Supermarket wages 🏠My lodger's rent 💻Affiliate/referral income from my blog 🗞️Writing an article for Metro After months of earning embarrassingly little, March's income was the closest I've come to matching the amount I earned each month when I had a full time job in marketing (£1,800) Got my fingers crossed that in April I can exceed it, while also cutting down the amount of overtime I do at the shop🤞 This pandemic is really zapping my energy and is making me hate a job that I was really enjoying before. Almost all my time in the shop is now spent on a till, trying to keep a smile on my face as customer after customer speaks to me like dirt We had two men arguing in the shop yesterday. They were shouting and swearing at each other and a colleague of mine had to separate them. One of the men told my colleague to fuck off, so he asked him to leave. The man walked past me on his way out & yelled: "I hope you all get coronavirus!" at us. This virus is bringing out the worst in people and I'm tired of watching it unfold His wish may come true because we're all exhausted from serving cretins like him day in, day out I'm ready to retreat into my little cocoon of safety (my flat) and spend as much time as possible over the next few months reading and writing I'll wait until this has all blown over before signing up for more overtime, even if it does mean missing out on the hourly 'coronabonus' all members of staff are being offered for working during a pandemic


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A few things I’ve stopped during quarantine & the effect it’s having ... 💛 . . 1️⃣ Setting an Alarm: waking up naturally has made a HUGE difference to how I feel. Don’t get me wrong, the kids have woken me a few times but to not HAVE to get up and rush around getting ready ... 👌🏼 . . 2️⃣ Heavy Lifting: I miss this shit. SO much. I’ve adapted my home workouts to make sure I hang onto my strength gains 💪🏼 . . 3️⃣ Driving 350 miles a week: meaning I’m saving £200 a month on fuel ⛽️ ... WINNER. . . 4️⃣ Cinema Date Nights: perk is we are saving money, downside is we are missing the films we had planned to watch together with a bowl of nachos, tub of popcorn and kid-free ... so we are doing it at home instead with movie marathons 🍿 . . 5️⃣ Mindless Spending: no unnecessary trips to the shop is saving us a fortune. You don’t realise how much it dents your budget until you add it all up at the end of the month 😱 . . 6️⃣ Getting overwhelmed: working 50+ hours a week, 2 young children & a husband, housework, cooking, playtime, laundry etc etc ... it all just gets too much and I was often struggling to fit it all in for minimal income. NOW I’m in the process of launching my coaching business online which will mean having MORE time available - which we have realised now more than ever - is way more valuable to us than money 💛 . . What have you stopped during quarantine and how have you adapted your lifestyle? ⤵️ . . #debtfreeuk #debtfreecommunityuk #debtfreeclutterfree #debtsnowball #daveramseybabysteps #daveramseyuk #emergencyfund #babystep1 #financialfreedom #savingmoneytips #zerobasedbudgeting #mealplanning #onabudget #livewithless #livelikenooneelse #debtfreemotivation #budgetblogger #moneyblogger #totalmoneymakeover


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Baking Day! It’s been a while but now there’s all the time in the world to indulge. Sugar cookies - today is a lesson in ‘use what you have’. Substituted the two teaspoons of baking powder for two cups of self raising flour and the unsalted butter had to be Lurpak instead. They taste like victory! • • • #latergram #eat #eating #baking #treat #sugarcookies #debtfreeuk #debtfreecommunity #usewhatyouhave #meal #groceries #moneysaving #debtfreecommunityuk #frugalliving #debtfreeliving #budgetlife #frugal #eatingout #eatingin


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💥🔨 Double tap if you relate... . 🌈In all seriousness, with many people’s new found ‘free time’ it can be so tempting to beat yourself up for not learning how to speak Japanese, do the splits and colour code your knickers. Please be kind to yourself during this epidemic and don’t underestimate the grief that you’re feeling for the lack of physical freedom, the anxiety of so much uncertainly and for many, the loss of the job that you felt defined you. . 😬 I know I am 💯 guilty of trying to do it all and then having a MASSIVE crash where I feel like I can barely function. Hang on in there kitties... (which is topical as the only think I’ve achieved in the last 24hrs is watching the whole of Tiger King 👑🐅) . In a crisis, I know I love to be the one DOING things but for now the best I can do is to stay at home. Our fight or flight mode is going crazy, but we’re being called to be still and passive. It’s weird and unsettling. . 🛀 🍫 So give yourself a hug, run yourself a bath, crack open the chocolate and if the TV is raising your kids today, then so be it. Keeping writing your gratitude lists and be kind - starting with yourself. . How are you feeling today? . PS A huge 👏 to our keyworkers now, whether you’re performing brain surgery or stacking shelves at ASDA. 🦸‍♀️


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Working on those goals daily! 1 hour smashed on the cross trainer on my lunch break and a beautiful Greek yogurt & fruit glass for brekkie. No Spanish practice today as I slept in a little as was tired but will pick back up tomorrow as aiming for 5 lessons a week 👍🏼 Live stream yoga tonight with the gf (if she feels well enough- she’s feeling a little sickly today) Not sure what to cook tonight- I think we have decision fatigue when it comes to dinner as we are usually so full of ideas but today no inspiration! Anyone else finding this?


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Chicken and mushroom pie for two, made with left over roast chicken, mushrooms, gravy and a pastry top. We ate this with boiled potatoes and spring greens. Yummy! #covidcooking . . . . . . . . . . . . . . . . #mealplanning #stayathome #chickenandmushroompie #chickenrecipes #pie #homemade #onabudget #budgetingbrunch #lockdown #debtfreecommunityuk


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Loving #themathsfactor programme designed by @carolvorders and currently available for FREE. 🙂 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ My daughter has really taken to it and it’s design is brilliant so if you haven’t yet registered, I’d definitely recommend it. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ They’re turning registrations round really quickly and I’m definitely thinking we’ll stay on with this as I can absolutely see the benefit and difference it’s making. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Also there’s no denying that I think my daughter responds better to Carol Vorderman than she does me. Must be a parental schooling thing! Lol! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ You’ve got to take all the help you can get and if this is great for her maths...I’m a huge fan! 💖 ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ . mummysavingshopper #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #savingmoney #fabulouslyfrugalfinance #savingmoneyuk #uksavingmoney #frugalliving #frugal #frugallife #frugalmeals #nospenddays #nospendmonth #gazelleintense #daveramsey #babysteps #moneysaving #debtfree #debtfreeliving #debtfreedom #sinkingfunds #budget #budgeting #minimalism #livewellforless #sidehustle #moneyblogger


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Never forget... We don't have to reach a certain weight or bank balance. Walk with your head held high.


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I thought I would share the recent changes to overdrafts. These banks can be crafty. Make your money work for you people even when using an overdraft. Knowledge is power. Share with your people! If you like this kind of content please don’t forget to like & share. ENJOY 😉 #money #finance #overdraft


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Favourite breakfast (even though it's nearly lunch time because I have been going round in a daze all morning and didn't realise the time 🙄) Granola, natural yoghurt and honey. . . . #breakfast #granola #healthyeating #weightlossjourney #weightlossjourneyuk #slimmingworlduk #healthylifestyle #frugalliving #simpleliving #debtfreecommunity #debtfreecommunityuk #debtfreejourney


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Day 7 of my No Spend April. A red spend day :( I finally succumbed! I had a code for £10 off some wine from @getwineapp so I bought a case of 4. One bottle of red to have with our lamb on Easter Sunday and 3 white for the rest of the month. £40 is what I usually spend on a night out so my aim is to make one bottle last a weekend (I'm not drinking weekdays) so that I still spend less than usual. I'm not earning what I usually do at the moment so I have to be slightly careful. I also filled in the "Extra Spending" section of my monthly money tracker to reflect this x #nospendchallenge #nospendday #nospendapril  #nospend #nospend2020 #spendday #debtfree #debtfreecommunity #debtfreeliving #debtfreecommunityuk #nodebt #daveramsey #daveramseybabysteps #frugal #frugalliving #frugalista #nospendyear #nospendexperiment #covid19 #londonlockdown #coronavirus #cv19 #covis_19


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I’ve finally calculated my side hustle total for March and it comes to £151.56 which is the lowest amount that I’ve made on the side since I started my Debt Free journey. This is because I didn’t have any access to working overtime this month. On the bright side though ~ I’m just glad that I am lucky enough to have a job that is still paying me whilst I am at home. In the grand scheme of things an extra £151.56 isn’t a bad total and I’m grateful that I was able to make any extra money at all. #debt #debtfree #debtfreedreams #debtfreelife #debtfreegoals #debtfreejourney #debtfreejourneyuk #debtisdumb #dfc #debtfreecommunity #debtfreecommunityuk #cashback #sidehustle #surveys #receiptapps #overtime #makingextramoney #everylittlehelps


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F🧩A🧩C🧩 It took me a while to get over this too. I had ZERO in savings which made me feel like giving up before I even began. DON’T let that stop you. Just put one action in front of another and START! . . . . . #budgettips #budgetplanner #budgetfriendly #budgetmum #debt #debtfree #debtfreecommunity #debtfreejourney #debtfreegoals #debtsnowball #debtisdumb #debtfreedom #debtfreeliving #debtfreecommunityuk #debtsucks #zerobasedbudget #budgeting #budget #budgetplanning #cashenvelopes #daveramseybabysteps #emergencyfund #livingonabudget


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Production line time - posting out “Special Offer” Underspent books. In the spirit of solving other people’s problems, being kind and supporting the Underspent community l’ve reduced the price of paperback books with two special offers. Special Offer #1 - Buy 1 signed paperback for $9.99 plus P&P. Australia only. Normal RRP $12.99. Special Offer #2 - Buy 10 signed paperbacks for $70 plus P&P. Australia only. It's normally $129.99 for buy 10 copies​. Now it’s just $7 per book. Want to solve your family or friends shopping, spending & saving problems? The 10 copies offer is a really beautiful way to solve your friends, family, colleagues or neighbours financial problems - those people who are stuck in debt or struggling with money right now. I can post the book direct to them, so it’s zero work/effort for you. Just phone, email or PM me to discuss your postage requirements. Being Underspent (spending less than usual) is access to a happier, healthier, stress-free, debt-free and more meaningful and content life. How good is that? Until stocks last. All prices in Australia dollars.​ Only applies buying direct from me. Go to my website (link below) and use the PayPal buttons http://www.cyclingrachelsmith.com/?p=6233#.XogMNY9OJ9A One book review said “This book needs be given to EVERY High School student”. Another review said “Every adult MUST read this book” Stay safe. Help others. Be kind. Rachel


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Breakfast and 30% off! Had to snap these up in Lidl, they won’t last till Easter but luckily I have chocolate stashed away 🍫 It’s my “day off” work today, although all the days seem to role into one at the moment, I’ve got a couple of jobs I want to get done today round the house. Will spend some time outside with little man and chill. What’s everyone else up to today? #ukdebtfreecommunity #debtfreecommunityuk #debtfreecommunity #mortgagefreecommunity #savingmoney #stayhome #workingfromhome #budgeting #familytime #frugalliving


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Hey everyone 👋 I am curious to know what everyone put down as a deposit on their house (fees too). The houses in my area are over £300k for a half decent 2 bed which seems massively out of reach 😭 just want to get a better perspective!


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Blog #3 (8/4/20) - Why I would compulsively shop & overspend. During 2014 I discovered the reasons why I went shopping and bought stuff. - Boredom. It was easy to go to the shops when I had nothing better to do. - Rewarding myself. I’d worked long hours on big infrastructure projects. I’d treat myself with new clothes after a long week. - Peer pressure. My friends loved shopping, and I was easily influenced into buying too. In 2014 I broke my habit of - impulse shopping - buying just for the sake of buying’ - buying “stuff” I didn’t really want or need - compulsively and constantly shopping/buying - overspending I changed my spending and transformed my savings. I saved 38% of my salary ($52,680). It changed my life. I am happier and content. This is how I did it: - Step 1. I identified my passions and priorities - Step 2. I made a budget and sorted out my banking - Step 3. I got people in place to help - Step 4. I inspected, assessed and organised my stuff - Step 5. I got into swapping, sharing and selling - Step 6. I used everything that I already had - Step 7. I got out and had fun These 7 steps changed my life, and I didn’t have to dramatically change my life to do it, so I’ve kept on going. Now I pause before purchasing. I wait 90 days before I buy something new. I call this #PauseB4UPurchase. I’ve learnt that if I wait for something I really want it. 8 or 9 times out of 10 I don’t. That’s what works for me. I invite you to do what’s right for you. Brisbane woman Heather said “I read the Underspent book, did the 7 steps, I stopped spending $600 a week on clothes and shoes and for the very first time in my life I actually felt happy and content”. You can borrow the Underspent book from your local Library or buy the book in paperback, e-book or kindle format from $2.99 at https://www.booktopia.com.au/underspent-rachel-smith/book/9780994563538.html OR https://www.amazon.com/Underspent-Broke-Shopping-Addiction-Buying-ebook/dp/B00WUQNPCW or any other bookshop. #Underspent #PauseB4UPurchase #SkillsForLife #LifeSkills #Book #Author #Happy #Happiness #DebtFree #DebtFreeGoals #FinanceTips #money #finance #savings #debtfreecommunityuk


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Double Tap💟 Tag someone who need this ☑️. • • • • • DM me for content creation 💬💌 • • • • • Double Tap, Share & Tag 💗💖 • • • • • Follow 👉 @deephustler 👈 for more 🧠 Follow 👉 @deephustler 👈 for more🖋 Follow 👉 @deephustler 👈  for more🤑 • • • • • Turn On Post Notifications ! 👀🔊🧠 • • • • • Save For Later🙄 • • • • • Hashtag Research 🌍🔎 ––––––– ... #dropshippingbusiness #investing101 #personalfinances #debtfreecommunityuk #zerobasedbudget #debtpayoff #totalmoneymakeover #shopifydropshipping #hustles #hustlehart #startupworld #entrepreneuriallife #hustleman #garyveemotivation #actiontaker #hustlermagazine #hustledaily #entrepreneurmindmap #hustlewithease #businesscoachingforwomen #buildingabusiness #hustleandmotivate #hustle247 #facebookmarketingtips #instagrammarketingtips #deephustler


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Still can't believe how crazy our world is right now, worrying and scary times. I try to step away from the media as much as possible and distract myself by the ramblings of #daveramsey whilst baking! I look forward to a time when things return to normal (if there will be such a thing). I'm feeling very grateful that I'm still working and receiving full pay as is the OH for the time being. Hope you're all staying safe 💛🌏🙏 #daveramseybabysteps #debtfreecommunityuk #coronavirus #distractions #stayathomeifyoucan


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As I close in on making my last debt payment at the end of this month (*squeal*!!) I was able to add an extra $100 to my savings account today bringing it back up to $1000! Just like this photo it’s been a struggle at times and a winding road to get back here as I’ve eaten up my savings many times already and once already this year due to last minute travel back to the UK because of a sick family member. I was meant to be debt free in February. I just never had enough saved to cover emergencies. It’s exciting to start thinking about my life beyond having debt - one of my goals is to beef up my savings to cover 6 months of expenses (and then 12 months). Although my job in finance is safe my husband is at a tiny start up tech company that may not survive the pandemic. It would give us a lot of comfort to know we could cover our expenses if something happened and it took time to find new employment. I couldn’t have got here without all the support and chats with the #dfc and can’t wait to shout from the rooftops on April 30th - let me know how you are getting on! 😍😍


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FREE RESOURCE - LINK IN BIO. Google Sheet that will assist you calculate your Net Worth. It breaks your assets into: Cash Savings Accounts Retirement Accounts Property Other Investments Other Assets Liabilities can include: Mortgage Student Loans Car Loans Credit Cards Other Debts Enter your own figures to identify your Net Worth. Remember your Net Worth is EVERYTHING YOU OWN minus EVERYTHING YOU OWE. Identifying your Net Worth is a great starting point on a wealth building journey. Tracking Net Worth consistently over time is a great way to build your wealth. Hope you find this useful.


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These may seem like pretty small goals to some. But, between homeworking and homeschooling, I think getting anything else done is a big achievement 🤣 xx


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So this is a breakdown of the debts as they currently stand. We started our DFJ the beginning of February, and we were following the #daveramseybabysteps . Although in our eagerness we went straight to #babystep2 because we wanted to see the debts coming down. This was great to start, using the #debtsnowball to clear and close two smaller debts with catalogues. Then we all know what happened next. And it became clear we definitely shouldn't have skipped step 1! So now we're sitting at £600 of our £1000 emergency fund saved. Once this is done, we'll move back to the debt repayments. In these crazy times both my husband and myself consider ourselves fortunate that both our jobs are 'key worker' roles. So at the moment, whilst our incomes remain unaffected, we are going to keep on trying to reduce our debt 👍🏻 xx


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Hello! A little introduction. I'm a married mum of one. I work part time, and am basically sick of still paying off debt for stuff I can no longer even remember buying!! With that in mind, I've set up this account. I'll be honest, although we started on our DFJ at the beginning of Feb this year, it wasn't until today that I added up everything we owe. I'm not gonna lie. I was SHOCKED. I'll do another post with a full breakdown. But, hello 👋🏻👋🏻 and welcome to my page. #debt #debtfreejourney #debtfreewannabe #debtfreecommunity #debtfreecommunityuk #frugaltobefree


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Definitely set my daily target too low. . I wanted to make £1 each day of lockdown but now it’s working out that I am averaging about £3. We’ve got this lockdown things nailed. #everypennycounts #sidehustle #debtfreecommunityuk #pennypincher #paidsurveys #curiouscatapp


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👋 Hello! 👋 I saw that the #meetthereseller tag was flying around again and even though I don’t resell anymore it got me thinking about the last time I did an intro on here - it was a year ago! There’s a few more of you now and so I thought it would be nice to introduce myself again 💗 My name is Belle, I’m 26 and I live with my husband (Mr FF) and 2 year old son and I’m overdue with our second baby. My mum lives with us in “the penthouse”, our converted loft. She moved in at the beginning of March so she could help out when our second little one arrives 👶🏼 . When we bought our current house in November it was in a “dilapidated state” and my husband worked his tail off to get us moved in a month later. We stayed with my dad and stepmum who live locally for the month. The difference is huge and you can see the original house tour in my story highlights 🏚 A big reason we chose to move was to pay off our debts. We had a loan, overdrafts, a credit card... the whole lot and not much to show for it. We were daft with money when we had two salaries and not much better when we went down to one. We decided to sell our house, which had gone up a little in value since we bought it two years before, to pay off our debts and put the deposit down on a cheaper house. We had enough money left for my husband to do some serious DIY and to carpet the new house - as well as having a small emergency fund in place 🔨 Our goals financially are to build up a bigger emergency fund - between £7.5 and £10k would be best. We also want to purchase a second car, either from family or something second hand. We plan to always live comfortably within one salary and that way when I go back to work in a few years the second salary can go straight towards savings, investment and retirement. We’d love to be able to help our kids the way our families have helped us💰 #ukdebtfree #debtfree #debtfreeuk #ukdebtfreecommunity #debtfreecommunity #debtfreecommunityuk #frugallife #frugalintros #frugalfamily #frugalmum #thriftylife #frugal #thrifty #thriftyfamily #thriftymum


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Today... Ive been quiet today. I woke up on the wrong side of the bed after a poor nights sleep. I kept having bad dreams about everything, the virus which is going round, my job, lockdown. . I feel so annoyed at myself that I'm struggling as I know there are people who are going through much worse than I am. Maybe they have lost a loved one, or maybe a loved one is very ill or maybe they are stuck in a home they hate or in a much worse financial position than I am. I really tried to ignore it, I stayed offline all day in the hope I could shake it off as it feels wrong to put negative posts out there. I don't want to be that person, but to be honest I can't be 100% happy everyday. . Only now when I address these feelings, I have inspiration to type. I really hope I can sleep tonight and tomorrow is a better day.


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Cherry blossom close up from the allotment this afternoon. #debtfreeuk #ukdebtfree #dfcuk #debtfreejourney #debtfreedom #ukdebtfreecommunity #debtfreecommunityuk


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My daily dose of Ecotherapy. In a world where things are so out of our hands, it’s important to focus on what we can control. I’m beginning to appreciate the free things in life during these uncertain times and that’s what I’ll take forward with me after lockdown to incorporate into my routines - which will also, undoubtedly save some pennies along the way. • • • #debtfreecommunity #debtfreejourney #debtfreecommunityuk #debtfreejourneyuk #frugalliving #debtfreeuk #debtfree #frugal #budgetlife #daveramsey #daveramseycommunityuk #daveramseyuk #furlough #covid19 #coronavairus #lockdown #isolation #socialdistancing #intotheunknown #morning #walk #routine #ecotherapy #savingmoney #pennies #free #appreciation


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Finally hit the £20 payout on Shoppix thanks to a scratchcard on the app! Cashed it in ready to overpay the mortgage when it clears 🌈💫⛅️


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Now I didn’t know I was craving Chinese food until @kscheds_getsfit shared a weightwatchers chicken and cashew post, unfortunately all I had was a tin of pineapple. So we had sweet and sour pineapple chicken with rice and broccoli. Yum! #slimmingworld #weightwatchers #25weekspregnant #debtfreecommunityuk


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DON'T CONSOLIDATE YOUR DEBT 💲⁠ ⁠ For many people with debt, the current crisis may mean you're looking at ways to try and cut your monthly outgoings.⁠ ⁠ One way that people look to do that is through debt consolidation and lowering the monthly repayments on their debt.⁠ ⁠ I'm here to tell you that that is a bad idea and NOT the answer.⁠ ⁠ SWIPE RIGHT ➡️ to see some of the reasons that I believe you shouldn't consolidate your debt.⁠ ⁠ SHARE 🔄 with others to let them know the dangers of debt consolidation - especially in these challenging times!


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Get to know your bank and credit card statement's. You should know and agree with 💯 percent of your charges, if you are not using all the subscriptions going off your account then stop it. Remember to check this regularly, we all start and stop using apps and subscriptions and forget to stop them. By checking your statement's monthly you can keep tap on these charges and any other miscellaneous charges you would normally miss.


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