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Stay calm and budget on. My motto this past month as the world has been in a panic. I’m not going to lie and say I haven’t felt the tension that is in the air. We had originally planned $3600 to debt repayments this month but thoughtfully decided to put a portion of our debt snowball towards our emergency fund. Unknown of what April or even May, June or July will bring. We want to be prepared for unemployment if it comes to that and have the means to do so if we slow down our debt repayment. Thankfully my husband and I have both been fortunate enough to maintain our current jobs and income at this time. Praying for everyone that this has not been the case for and sending you strength to get through these difficult time. #debtfreecommunity #dfc #babystep2 #debtfreejourney #debtfreegoals


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March numbers are in!⠀ ⠀ The very first month that we don’t have any credit card payment. Yehey! ⠀ Debt numbers are minimum bank loan monthly payment and mortgage in the Philippines.⠀ ⠀ How’s your March? ⠀ ⠀⠀⠀⠀ #debtfree #debtfreejourney #debtfreegoals #financialgoals #debtfreecommunity #dfc #financialindependence #budgetmom #budgeting #tbm #cashenvelopesystem #babystep2


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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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Repost from @nathalia_saves • ⚠️Please keep in mind..if you absolutely need to go out and purchase items..ok but if not please stay home..for your wellbeing and for the wellbeing of others also please don’t forget to wash your hands⚠️. And yes the Febreze MUST BE THE SMALL SPACES. Don’t forget to use your app to make sure a digital coupon attaches. Enter your number as the cashier is ringing up your items once the cashier hits total all your digital coupons will be deducted .............................................................................................. ⭐️Store prices vary! My breakdowns are based on my store prices! ⭐️Digital Coupons are one time use only! ⭐️Don’t wait till the last minute to clip your digital coupons because they might be gone! ⭐️ Do what works for you! #couponmom #couponcommunity #couponfamily #ipaywithcoupons #extremecouponing #couponing101 #couponnewbie #coupons #couponing #savingmoney #texascouponer #houstoncouponer #familydollarcouponing #familydollardeals #nathaliasaves #debtfreegoals #debtfree #debtfreecommunity


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Guys! I finally got a passport... but nowhere to go. 🙃 I was heading to Monterrey in May but for obvious reasons that trip has been cancelled now to get my monies back. 💰 I hope to one day be able to use it after this craziness is over & I hope I have the money to actually use it once it’s all over. 🙃 For now every dollar I earn is being saved. One day at a time...


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Our April Budget has been created. While we were creating our budget, we made a payment to every bill we had available for payment. We’ve removed almost every “want” spending category we could think of, except we have decided to keep the streaming services we have for this month. In addition to removing most of our wants, we had to make a significant cut to our budgeted amount for groceries. We have been spending between $400-$450 a month, but we have only devoted $200 of our budget to our groceries. A tight grocery budget = following a tight meal plan which is why I’m super excited to introduce picture 2...Our Monthly Dinner Board!! We already have over half our dinners for April planned out using the food we currently have in our house!! I’m excited about putting this board to good use! #mealplanning #budgeting #debtfreegoals


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Never EVER QUIT! Believe in yourself before anyone else will! Trust your Dreams are your Future as long as you put in the work! Nothing comes easy....but the journey is what makes you build character and prepare you for the level you want to be on. #forexmarket #debt #debtfree #debtfreegoals #workfromhome #workfromhomemom #workfromhomeonline #workfromhomemoms #realestate #workfromhomelife #singlemom #credit #creditrepair #manifest#businesswoman #startup #entrepreneur #entrepreneurship #entrepreneurlife #femaleentrepreneur #career #careergoals #company #recession #sidehustle #sidehustles #sidehustleideas #stocks #stocksmarket #manifest


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March numbers! Like many others we paused our debt snowball and only paid minimums (our mortgage is not included in this debt number). I wanted to beef up our emergency fund as we had about $1300 before #covid19 took over. We are very fortunate that our jobs are safe for now but having extra savings really helps my anxiety. I'm so happy with these numbers. At first I was bummed because our goal for March was to pay off the Macy's card but we decided to save that money. Paying that off hopefully just a few months later will still feel great. This was also the first month I was able to reconcile our budget to the penny and I'm very proud of that! We have about $150 leftover that I'm adding to our checking account cushion for now. April budget is mostly done. I'm prioritizing savings again and hoping to keep our food costs low. We were over budget in March due to stocking up for #coronavirus #shelterinplace but we should be able to get back on track. What changes are you making to your April budgets? #debtfreecommunity #debtfreegoals #debtsnowball #budgeting #budget #dfc #personalfinance


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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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Today, my husband gave me this book. I am crying with joy. 😭 Although I was debtfree few years back, my husband's not. So we just lived frugally to show him that we don't need to keep with the Joneses. First, We downsized our house so that we won't come up with mortgages and maintenance fees. That made him so upset image living in a house (apartment unit) that is less than half the size of what he used to live ALONE and it's in the suburbs . Few years back, we felt like we're bad parents by not giving our daughter her "fancy nursery" or wearing clothes from the labeled shops. I will not lie, it sometimes hurts but they're all WORTH IT. We stopped all our credit cards and learn to live using only debit cards for 5+ years. We drive a 15-year old car which we bought in cash few years back and it's still running. 👍👍 We do all sorts of free stuffs and enjoy teaching our little kid at home during the weekends instead of going out and spending money. Now, we've realized that money is not the only thing we earned. We've grown a lovely smarty pants and we've spend little compared to other parents. Now, this book is the book I'll always borrow from the library, my husband promised me he'll buy me a copy when he has ZERO DEBT. This arrived today and he told me he's debt free with emergency funds, savings that will cover our needs, investments and a future educational fund he saved for our daughter. What's best is that he said he can buy a bigger house for us without relying into another debt anymore. Few years of struggle is very worth it and the result is so much sweeter. ❤ #debtfreejourney #debtfreecommunity #frugalliving #daveramsey #daveramseywouldbeproud


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💳Here is a flowchart of a credit card deletion case pre-litigation to litigation.🌟 *** DIY CREDIT CARD DELETION PACKAGE (DO-IT-YOURSELF CREDIT CARD DISPUTE & LITIGATION PACKAGE) By Brian L. Ponder, Esq. TABLE OF CONTENTS 1. 12 CFR § 226.12 2. FDIC Truth in Lending Act Compliance Manual 3. Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq. (“FDCPA”) 4. Fair Credit Reporting Act, 15 U.S.C. § 1681, et seq. (“FCRA”) 5. Annual Credit Report Request Form 6. Credit Reporting Agency (“CRA”) report request letter (free annual) 7. CRA report request letter (after adverse action) 8. List of CRAs (2020) 9. Authorization to Release Information form 10.CRA credit card (“CC”) dispute letter (generic) 11.CRA CC dispute letter (Equifax) 12.CRA CC dispute letter (Experian) 13.CRA CC dispute letter (TransUnion) 14.Original creditor dispute/demand letter (creditor dispute/demand letter) 1 15.OCDDL 2 16.OCDDL 3 17.Debt Collector Dispute/Demand Letter (“DCDDL”) 1 18.DCDDL 2 19.Consumer Financial Protection Bureau (“CFPB”) cover letter 20.State Attorney General cover letter 21.Fair Credit Billing Act 22.General Release and Settlement Agreement 23.CRA Complaint (i.e., lawsuit) 24.CRA Amended Complaint (i.e., amended lawsuit) #4StepsCredit #CreditRepair #DebtDeletion #FCRA #FDCPA #RESPA #PayForDeletion #CreditLawyer #CreditLaw #ConsumerLaw #Equifax #Experian #TransUnion #ChexSystems #Corelogic #Tradelines #OptOut #studentloan #DaveRamsey #SuzeOrman #TonyRobbins #tailopez #stephenliao #debtfree #debtfreegoals #debtfreejourney #debtfreedom #businesscredit #smallbiz #creditcarddeletion


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📢📢 WOW!!! Did you know this? I was so shocked when I was first reading up about this. But it makes sense and at a time like this you can really see how the rich become richer! ⁣ ⁣ ❌Thanks for Coronavirus many markets took a turn. Those who invested in only stocks have a massive hit to their overall networth. But those who have both property, bonds, shares, side hussles etc etc only took a 10%-20% decrease as the other assets were defensive. ⁣ ⁣ ✅✅ This is a great reminder to start diversifying your investments and income streams or at least start thinking about it during these slow times. ⁣ ⁣ Did you know this little fun fact? Are you looking into building multiple income streams?💰💰💰⁣ ⁣ Comment below 💚💚💚 Remember to stay safe during these times and check in on your love ones. #stayathome ⁣⁣ ___________________________________⁣⁣ #businesschicks #womenentrepreneur #womenwithambition #businessideas #personalfinance #debtfreejourney #financialeducation #financialliteracy #frugal #bossbabes #businesswomen #empoweringwomen #womenempoweringwomen #budget #businessminded #debtfreegoals #financialpeace #moneytips⁣⁣ #createthelifeyouwant #debtisdumb #debtfreegoals #moneymindset #emergencyfund #buildingwealth #womeninfinance⁣⁣ #ozdebtfreecommunity⁣⁣ _____________________________________ *About me * 🙋🏼⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⁣⁣ Im a young millennial, living in Australia 🇦🇺. I love teaching people about finance and budgeting. Personally, I am on a goal of achieving financial freedom. I have huge dreams and aspirations! When im not working, Im playing lots and lots of sport, having coffee catch ups and going out with my girls for a drink. So come along for the ride, join the community @money__mantra, share the love around as we all strive for a life of freedom. xo


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So...March was a bust for my monthly goals. COVID-19 = 1) Stress eating and drinking, 2) Going over on my grocery and alcohol budget, but I didn’t go into debt and was under budget in other categories, and 3) Home-schooling in the afternoons, so my traditional workday has been cut in half. So nope, I didn’t meet any of these set goals. But I did pay off two credit cards, prepay my health insurance for six months, and fully pay for my wedding dress! April will be better as I’m now adjusting to the new normal under the stay-at-home order/COVID-19. I’m going to concentrate on my blessings and try to stop stressing. Onward! #debtfreecommunity #debtfreejourney #debtfreegoals #budgeting #daveramsey #babystep2 #daveramseybabystep2 #adjusting #silverlining


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Before I talk about April let me recap on March. March can go to hell quite frankly. Due to the Covid 19 the following things happened. 1. Starter EF= DEPLETED It’s so much happening. I barely saved but I am excited to begin April. I will be going Majority cashless until this pandemic is over. I now have new goals. My biggest one is to have my three-six month emergency fund established by the end of the year. I also plan to fund my EF starting in April. Next month will have so many new beginnings and I am very excited! Lets not give up just yet! #debtfree #debtfree2020 #debtfreecommunity #snowballmethod #daveramsey #envelopechallenge #5dollarchallenge #thebudgetmom #thebudgetsistas #savings #financialfreedom #financialfreedom2020 #changechallenge #52weekchallenge #budget #budgeting #cashenvelopes #debtfreejourney #debtfreegoals #savemoney #savings #saving2020 #money #moneychallenge #livingdebtfree #savemoney2020 #financiallyfree #financialfun #easylife #debtfreelife


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Tomorrow starts a new month! 🌸After my month from hell, I am so excited to have a fresh new month! New opportunities and adventures await! New goals & budgets will be set! What does your new month look like? #debtfreejourney #debtfreecommunity #debtfreegoals #goals #newmonth #budget #april #freshstart #plan


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To you, the above numbers mean nothing...but to me, those zeros are representative of 18 months of quiet persistence, discipline, sacrifice, and belief it could be done! If you would have looked at those numbers in October 2018, they would have added up to $65,408. Becoming debt free is possible, and you don’t have to wait for Uncle Sam to bail you out. I took the power into my own hands to make this happen... Understand that, I spent 11 years after college not paying 1 dime towards the principal of my student loans, barely paying more than the interest accrued. I’d had enough, no more running from bill collectors, creditors, etc...I was done! I put all that energy into paying off my debt...now look! I should have posted this weeks ago but the same week I became debt free, was the same week #Covid hit. It didn’t seem right to celebrate when the world was going through so much turmoil, however, my partner told me to celebrate your wins, to be proud of your accomplishments...and this is something I’m extremely proud of! With all that said, I’m not special for becoming debt free, I simply set a plan, and executed with a fire in my belly...those of you also stuck in debt, you can do this too. Just resolve to go make it happen. Much love, Drew⚡️⚡️⚡️ . . . . #debtfree #debtfreecommunity #debtfreegoals #debtfreejourney


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Friday I was given the unfortunate task of furloughing some of my employees. I’ve let people go before, but unlike this time, those people actually did something to directly deserve it so this was tough. Got me to thinking what I would do if this happened to me, so I decided to share what I would do hoping this will help those who are being let go due to the country’s current circumstances. : Even if you are still employed, steps 4-6 & the first half of step 7 are never a bad idea. You never know what might happen and I think now is a good time to start preparing for the “just in case”. At any rate, I want to speak the BEST into existence for EVERYONE!! We will get through this! 💪🏽💯 #TheBanksBalance . . . . . . #financialfreedom #smallbusinessowner #businesstips #creditrepair #accounting #debtfreejourney #personalfinance #budgeting #accountant #moneymindset #financialeducation #bookkeeping #moneytips #financialgoals #buildwealth #debtfreeliving #businessconsulting #debtfreedom #financialpeace #accountants #debtfreegoals #debtisdumb #bookkeeper #credittips #quickbooks #budgetingtips #financialwellness #personalfinances #bookkeepingservices


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Payday for us today. Paid power, water, phone, and credit card. Took all extra cash and deposited right into emergency fund. Goal is 10k by June. We are currently at 3k. Retirement accounts withdraw right out of our paychecks so that is taken care off automatically. I really wanted to increase our 457 contributions this year, but it’ll have to wait. Building our EF is priority right now. . . . . #debtfreecommunity #financialfreedom #nelnetforbearance #financialindependence #debtfreejourney#covıd19 #nelnet #debtfreedreams #debtfreegoals #financialgoals #gazelleintense #stayweird #financialpeace


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My extra payment on my #studentloan posted! Only $673.61 to kick this one out of my life forever, then two to go! One of my #AprilGoals is to pay this loan off. Posting my April goals tomorrow!


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Start thinking more of your future, the things you want out of life and how you can obtain them. Get secure your consultation text (669) 209-5385. #floridafirsttimehomebuyer #creditrepairservices #explorepage #debtfreegoals #certifiedcreditconsultant #freeconsultations #improveyourself


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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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#psig Members- don’t bother downloading! You know I got you 💚 Everyone else- head to the link in bio. You don’t want to miss out on these! Be sure to share!


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So many people have asked me how I'm saving $20k in 2020... Let me show you! Join my #30DayRestart.⁠ ⁠ Everyday for the next 30 days I will give you a financial task to complete. By the end of the month, you will be on your way to your financial goals...if you choose.⁠


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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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First, I want to send all my love and prayers to those deeply affected by the coronavirus. For anyone who lost their job, their business, or worse, a loved one, my prayers are with you. . Thankfully, I work in insurance which is an essential business so my income has not been affected. However, it does have me spooked with all the I certainty that the world is facing. . In a previous post I announced I hit my savings goal of $5,000 at the end of February, which coincidentally is when news broke about the virus. At first I decided to stop paying extra towards debt and instead put that money towards savings. I now feel comfortable enough to go back to my plan of paying off debt. . A few changes going forward include adding a medical sinking fund. I carry a high deductible plan for my daughter and I so having this fund will come in handy. . I canceled my renters insurance today. I was paying $21 a month. It’s not enough to break the bank but it’s more money to go to debt, plus I have had my policy for over a decade and never had to put in a claim. In addition, Amazon Prime has also been cancelled. I wasn’t ordering from them nearly as much. In fact it’s been months since my last order. . Tomorrow I am focusing on getting a cheaper auto policy. . Small changes like these will pay off in the long run. . What subscriptions have you canceled to help pay debt off? . #debtfreecommunity #debtfreejourney #debt #debtfreegoals #debtsnowball #debtisdumb #cashenvelopes #cashenvelopesystem #cash #singlemom #singlemoms #singleparent #singleparents


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March's challenge was to save all $1s that we came in contact with. We are already doing a low buy year and with all the craziness that is going on right now we arent really spending any money so I was only able to save $13.00 but that is better then $0. This is going towards our sinking funds we have for the year. Looking forward to April and hopefully we can save a bit more. _________________________________________ #debtfreecommunity #debtfreejourney #debtsnowball #debtfreegoals #bs2 #dfc #gettingoutofdebt #savingmoney #cashisking #cashenvelopes #sinkingfunds #savingschallenge #tbmsavingschallenges2020 #thebudgetmom #financialindependence #firecommunity #financialfreedom #changinghabits #simplify #simplifyingourlives #thebudgetingkoala


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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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As this coronavirus is taking over every aspect of our lives, we have spent a lot of time being very thankful for our emergency fund. We realize that a majority of people aren’t in such a fortunate situation and as we talk to more people and they ask for advice, we recommend people building up their emergency fund aggressively. We started looking at some stats about the average cash on hand for Americans, and I thought I wouldn’t be anywhere near comfortable having that amount for my age bracket. So let me ask you this, given all of the uncertainty and panic, how much cash on hand would make you feel comfortable right now? It can be a dollar amount or a number of months worth of expenses... but what would make you feel stable?


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Is your vision big enough? I set a goal for my business earlier this year to achieve it in March.. and I did it! I am setting another goal to hit in July. It is a super scary goal but I am going to work hard to earn it! Not just for me, but for my family and team! Do you have goals that are coming up? Let’s cheer you on in the comments! . . . . . . . . . . . #sidehustler #instacart #instacartshopper #mysteryshopper #mysteryshopping #mysteryshoppers #debtfreecommunity #sidegig #bossbabe #workformyself #bossmom #bossmama #debtfreejourney #debtfreesinglemom #debtfreegoals #debtfreedom #debtfreelifestyle #sidejob #workingmama #workingmom #workingmomsofinstagram #sidehustlemoms #sidehustlers


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The positive about this lockdown: I’ve saved so much 💰🤣🥳 . . . . #changingourfamilytree #savingmoney #debtfreecommunity #debtfreejourney #debt #debtfreegoals #debtfreeapril2022 #livingwithess #livingwithes #covid_19 #rona


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Happy Tuesday friends! I know I’m not the only person working from home. I am so grateful to be employed, that being said, this new norm of #wfh is hard. I’m struggling as a teacher and as a parent. I’m trying to run my household, help my own children with their school, and do my best to teach my 8th grade social studies students. #zoomisthenewnorm for everyone lately and I am getting major eye strain and headaches from staring at my screen all day. I need your help friends, are blue light glasses 🤓 helpful? Do you have any recommendations? If so, please share. I’m sure some of my issues are from stress, but I have never looked at a screen this much in my life and I want to make the best of this situation for all parties involved. Thank you in advance! 💙 👩🏻‍🏫 Kari . . . . #outfitrepeater #neutralfashion #outfitidea #mixandmatchstyle #stylishmom #budgetstyle #outfitideas4you #affordablestyle #budgetblogger #styleonabudget #budgetfashionista #teacherfashion #sacramentoblogger #easystyle #debtfreecommunity #debtfreejourney #debtfreeliving #debtfreefamily #reseller #easystyleonabudget #poshmarkambasdador #debtfreegoals #babystep456 #iteachmiddleschool #socialstudiesteacher


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Quick March update! 🔸I was able to keep contributing to my debt this month, even with me transitioning to the work-from-life for the unforeseeable future. 🔸I am really grateful to have the ability to work from home. The technology I work with helps a ton of users, and it’s only growing right now. 🔸That being said, I haven’t decided if I’ll continue my aggressive payments this month or start saving for a little bit. What are your thoughts around job security and Covid-19?!


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Do you know if you open your mind to be educated on money management, it can change your life? ⁣ ⁣ Claim your wealth mindset by stop believing you are broke. Read for inspiration. ⁣ ⁣ Change your money mindset. If you say it, it will be! ⁣ ⁣ Speak financial freedom into your life and watch how prosperous you will be⁣ ⁣ ⁣⁣ You can develop good money habits so you can pass down wealth to your family. I changed my life through budgeting.⁣ ⁣ There is no better time than now to start planning and controling where you money goes.⁣⁣ ⁣⁣ Check out the website for free worksheets to download. ⁣⁣ ⁣⁣ You can download worksheets to journal about your relationship with money, plan your weekly grocery list or tackle your credit card debt.⁣⁣ ⁣⁣ Click the link in the bio to join the mailing list.⁣⁣ ⁣⁣ Follow @theinfamoussharer⁣⁣ ⁣⁣ Like and comment read “Think and Grow Rich” or will read this book. ⁣⁣ ⁣⁣ Tag someone you know and save the post.⁣⁣ ⁣⁣ #thinkandgrowrich


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#Repost @budgetqueen_blog --- If yall dont sat down somewhere...... My birthday is in June and I plan to do something nice. ⁣ ⁣ Quarantine don’t mean hang out with people you know. It means take your butt in the house, yo own house, with the people who live there, and stay there. It doesn’t mean go over your cousin’s house or invite your family over. 🤦🏾‍♀️ ⁣ ⁣ If yall don’t stop going outside and being around all these people, we won’t get over this. ⁣ ⁣ Thanks,⁣ Management ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ #budgeting #credittips #budgetingtips #personalfinanceforwomen #frugalliving #frugalmom #moneysavingtips #fixmycredit #debtfreegoals #budgeting #buyingahome #homebuying #Investmentproperty #homerenovations #usedcarsales #butgod #christianentrepreneur #singlemomlife #workingmomproblems #couponing101 #debtfreejourney #debtfreecommunity #blackwealth #shopthelook #softglam #Toiletpaper #washyourhands #iglehighvalley #allentownpa #budgetqueenblog


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#Repost @budgetqueen_blog --- If yall dont sat down somewhere...... My birthday is in June and I plan to do something nice. ⁣ ⁣ Quarantine don’t mean hang out with people you know. It means take your butt in the house, yo own house, with the people who live there, and stay there. It doesn’t mean go over your cousin’s house or invite your family over. 🤦🏾‍♀️ ⁣ ⁣ If yall don’t stop going outside and being around all these people, we won’t get over this. ⁣ ⁣ Thanks,⁣ Management ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ #budgeting #credittips #budgetingtips #personalfinanceforwomen #frugalliving #frugalmom #moneysavingtips #fixmycredit #debtfreegoals #budgeting #buyingahome #homebuying #Investmentproperty #homerenovations #usedcarsales #butgod #christianentrepreneur #singlemomlife #workingmomproblems #couponing101 #debtfreejourney #debtfreecommunity #blackwealth #shopthelook #softglam #Toiletpaper #washyourhands #iglehighvalley #allentownpa #budgetqueenblog


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March debt numbers + goal results! Back to our baseline monthly debt payments since we paused our snowball, but we didn't have to dip into the emergency fund, so I consider that a win! Goals-wise, I DEFINITELY read more than my goal, and working out went well too! I got 1.5 closets cleaned out, so I'll continue that goal in April, and unfortunately we didn't get a date night before we went into quarantine, but we've had a lot more time together since we're both home from work for now! (We'll see how we feel about that in another week! 🤣) It's been a good month, all things considered - bring it on April!!


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Did you get your tax refund ? If you did, it’s time to create a RESIDUAL stream of income ! Please don’t SPEND it on liabilities. Let me teach you how to make your money multiply 💪🏾💪🏾💪🏾. Would you like to have your money working for you? Comment NOW below if you’re ready to create an additional stream of income that won’t interfere with what you currently do for a living. 💰💰💰 #renttoowncondo #creditrepair #daveramsey #Jacksoncreditrepair #credithelp #fianialliteracy #wealthprinciples #ilovetohike #financials #credittips #creditscore #moneymanagement #personalfinance #debtfreegoals #budgetingtips #Godisable #crediteducation #mentorship #womenwholead #inspiredaily #chalenejohnson #bosslady #broncos #nfl #broncoscountry #bethelight #grantcardone #ilovetravelling #travelmore #trustgod


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Closing out my March budget, finished my April budget and now working on my April meal plan☺️ #productive


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~~ Financial Topic Of The Day ~~ Coronavirus Stimulus Pay 1. Use the pay effectively •Save Money •Pay Some Debt •Invest •Catch up Late Payments If you need any financial advice or recommendations, contact me! #financialliteracy #savingsplan #debtfreegoals #goals #investing #investinyourself #financialadvisor #financialplanning #budgeting #budgetplanner #coronavid19 #stimuluspay


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STRIVE FOR PROGRESS NOT PERFECTION⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I began making extra debt payments on this card on February 22, 2020 with the idea of throwing everything I had at it as I did previous debts.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ But who knew that within a months time I would've quit my side hustle, that life as we know it would be altered due to a global pandemic, and my focus would shift to more saving?!⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ We have to remind ourselves that life isn't perfect and neither will this or any journey be. Although I didn't send as much as I wanted to Discover this month, there was still progress. ANSWERS TO FREQUENTLY ASKED QUESTIONS: Yes, I’ve looked into a lower interest rate. No, I will not apply for new credit for a promo APR or shift this debt to another card.⠀⠀⠀⠀⠀⠀⠀⠀ ===⠀⠀⠀⠀⠀⠀⠀⠀⠀ #debtfreegonnabe #creditcarddebt #dfc #debtfreejourney #debtfreecommunity #singledebtfreejourney #singledebtfreecommunity #payingoffdebt #debtpayments #getoutofdebt #sixfiguredebtclub #debtisdumb #sixfiguredebt #debtelimination #debtpayoff #personalfinance #moneymoves #debtfreegoals #debtfreedreams #dumpingdebt #debtslayer #debtpayoff #debtfreefuture


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Thanks to all who joined us today on IG LIVE! We shared the TOP 4 things we’re doing to deal with our hours being cut at work! ⁣ ⁣ ⁣ If you missed it, make sure you catch the replay before it’s gone! ⁣ ⁣ ⁣ ⁣⁣ ⁣⁣ LIKE | SHARE | TAG | FOLLOW @leo.jeanlouis⁣ for all things debt freedom and building #wealth⁣⁣ ⁣⁣ #LivingThatDebtFreeLife #2020 #2020vision #moneygoals #gotdebt #debtfree #debtslayersbootcamp #daveramsey #babystep2 #freedomisachoicemovement #debtfree #debtfreecommunity #financialindependence #personalfinance #budget #debtsnowball #studentloans #marriagegoals #sidehustle #financialfreedom #save #debtfreedom #debtfreegoals #debtfreejourney #paidinfull #generationalwealth #blackexcellence #blackwealth #entrepreneur


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If everyone can just do their part; we can overcome this pandemic! People are losing their jobs, hours are being cut, schools are closed, and businesses are losing business. If we all just did our part and followed the rules, we can get to our normal routine. Please, just stay at home! Spread the word ♥️


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I stole this from a friend but absolutely had to share as this is so near and dear to my heart! ❤️ Look, I totally understand why some people feel it isn’t the time to promote our products but coming from someone who does this... I can tell you this is the best time to share what is possible! ✅ Paying your cell phone bill with extra cash from sharing what you love. ✅ Freeing yourself from DEBT. ✅ Paying to take your family to Disneyland without having to take out a loan or go broke to fund it. Put your robe 👩‍⚖️ aside and hear me out for a minute, I’m talking to you KARENS out there🙄 1) I only promote this stuff because it has literally SAVED MY LIFE. I would be doing a disservice if I didn’t share it. I see you, I know you’re struggling, let me help you. 2) There is a HUGE opportunity here to make some insane money and secure your future! Many of these companies really truly want to help and are offering insane bonuses during this difficult time! (っ◔◡◔)っ ♥ If you are one of those people who had lost your job, let’s connect! I will share with you how this community and business can help you. I will show you how to start for only a $1. ♥


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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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Working on myself, for myself, by myself⁠ .⁠ .⁠ .⁠ #20kin2020 - Q1 has been interesting for sure...Check out the full video on Youtube. Link in my bio.


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If yall dont sat down somewhere...... My birthday is in June and I plan to do something nice. ⁣ ⁣ Quarantine don’t mean hang out with people you know. It means take your butt in the house, yo own house, with the people who live there, and stay there. It doesn’t mean go over your cousin’s house or invite your family over. 🤦🏾‍♀️ ⁣ ⁣ If yall don’t stop going outside and being around all these people, we won’t get over this. ⁣ ⁣ Thanks,⁣ Management ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ #budgeting #credittips #budgetingtips #personalfinanceforwomen #frugalliving #frugalmom #moneysavingtips #fixmycredit #debtfreegoals #budgeting #buyingahome #homebuying #Investmentproperty #homerenovations #usedcarsales #butgod #christianentrepreneur #singlemomlife #workingmomproblems #couponing101 #debtfreejourney #debtfreecommunity #blackwealth #shopthelook #softglam #Toiletpaper #washyourhands #iglehighvalley #allentownpa #budgetqueenblog


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Here is what you need to know⬆️⠀ ⠀ Check out the above quick guide to give you an idea of how much money you can expect based on your income level.⠀ 𝐖𝐡𝐞𝐧 𝐰𝐢𝐥𝐥 𝐈 𝐠𝐞𝐭 𝐦𝐲 𝐩𝐚𝐲𝐦𝐞𝐧𝐭?⠀ First payments will be deposited on the week of April 6, per Treasury Secretary Steven Mnuchin.⠀ ⠀ 𝐖𝐡𝐚𝐭 𝐝𝐨 𝐈 𝐡𝐚𝐯𝐞 𝐭𝐨 𝐝𝐨?⠀ Wait and take a deep breath😊 ⠀ Payments will be direct deposited to the bank account information that you have used to file your taxes. ⠀ ⠀ If you haven’t provided any bank info, the IRS will mail you a check.⠀ ⠀ The IRS will use your 2018 tax return information to determine eligibility, if you haven’t filed your 2019 tax return yet.⠀ ⠀ Sources: The Washington Post.⠀ ⠀ 𝐆𝐢𝐯𝐞 𝐦𝐞 𝐚 🙂 𝐢𝐟 𝐲𝐨𝐮 𝐪𝐮𝐚𝐥𝐢𝐟𝐲⠀ ⠀ Viviana | @fitfinancesnow | 💛⠀


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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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𝐘𝐨𝐮 𝐀𝐫𝐞 𝐎𝐧𝐞 𝐃𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝐀𝐰𝐚𝐲 𝐓𝐨 𝐂𝐡𝐚𝐧𝐠𝐞 𝐘𝐨𝐮𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐋𝐢𝐟𝐞.⠀ 𝐅𝐢𝐱 𝐘𝐨𝐮𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬, 𝐆𝐞𝐭 𝐎𝐧 𝐀 𝐅𝐫𝐞𝐞 𝐂𝐚𝐥𝐥.💪📈⠀ .⠀ Follow @billzbillzfinancials⠀ .⠀ DM me to book a FREE consultation call📞⠀ .⠀ 𝑺𝒕𝒂𝒓𝒕 𝒀𝒐𝒖𝒓 𝑭𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝑰𝒏𝒅𝒆𝒑𝒆𝒏𝒅𝒆𝒏𝒄𝒆 𝑱𝒐𝒖𝒓𝒏𝒆𝒚 𝑭𝒓𝒐𝒎 𝑻𝒐𝒅𝒂𝒚. 💮⠀ .⠀ .⠀ .⠀ .⠀ .⠀ #financialliteracy #financialplanner #financialadvisor #financialpeaceuniversity #financialtimes #financialeducation #financialdomination #financialservices #financialpeace #financialgoals #financialtips #financialcoaching #financialintelligence #creditcoach #buildcredit #buildingcredit #financialplanning #creditrecovery #debtfreecommunityv#debtfreegoals #debtsucks #payingoffdebt #debtfreefuture debtfreeby30 #savingmoneytips #creditscores #creditscoreincrease #creditscoresmatter #moneysavingtips #savingmoneyisfun #debtfreeliving


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APRIL IS OUR MONTH 💸💵💳💰There may be 30 more days of social distancing but good news is Financial Literacy month starts tomorrow. I’m giving y’all tips every week to do with budgeting, saving money, credit, and retirement/investing. Get ready to save all these posts. 📝 But y’all deserve more! You definitely deserve more so starting tomorrow I will be having 5 free discovery calls 📱 each week with clients all month of April. Start the path to understanding your finances and creating a plan for wealth. Only 5 a week so once they go they go! Be quick. You asked for financial affirmations so I’m bringing them. Be confident and empowered with your bank account. ✨ More? Yes more! I’m also doing a giveaway. Follow the directions in each post to be entered to win a FREE full consultation, budget template, and the new Take Control of Your Money ebook! Valued at over $350! One last thing: the Take Control of Your Money Today e 📖 comes jam packed with over 40 tips tricks strategies to help you have power over your money and accomplish your goals. Click the 🔗 in my bio tomorrow to book a free discovery call and get the Take Control of Your Money Today ebook.


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Small achievable goals for April. 1. Complete the even number challenged by the budget mom. This challenge is to save $5 from your cash envelopes every even day of the month. I have yet to complete a challenge because I fell of the wagon but I’m hoping I can complete April’s challenge. 2. End month with $1000+ net worth. I am so close to this goal already I can’t wait to see what it looks like when April is finished. 3. End month with $400+ in emergency fund. I had to pull some money out today due to a miscalculation so I’m just under $100 I’m hoping to have my emergency fund close to $500 by the end of April. . . . #debtfreecommunity #debtfreejourney #debt #debtfree #debtfreegoals #budgeting #budget #financialgoals #financialfreedom


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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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Tag a friend who needs to see this! 🔽 - - What exactly is a Budget? A budget is a plan for how you will allocate your income to meet your expenses for the designated period. Most people think of budgets as spending constraints, but budgets are better described as “spending plans”. Personally I prefer my budget planning once a month, but if you wish to get a better control over your personal finances you might want to start with weekly budgets. Budgeting is one of the easiest ways to stay on top of your finances. Thank you for pushing your financial mindset towards a better reality. - - FOLLOW 👍 👍 👍 @TheFinanceKIT . . #entrepreneurinspiration #payyourselffirst #goalstoachieve #moneybagyo #debtfreecommunity #businesssolutions #successonmymind #entrepreneurcoach #moneytalk #debtfreegoals #personalfinances #onlineincome #moneyminded #financegoals #moneypiece #keytosuccess #startsaving #debtpayoff #financeavailable #successfulbusiness #moneymind #payoffdebt #savemoneylivebetter #successhabits #buildingwealth #investing #successmindset #moneymanagement #moneysavingmom #businessideas


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It's fascinating to me to see how much I've grown over the past few months when it comes to shopping. I used to spend hundreds every fortnight on clothes, that feeling of receiving a package made me so happy and I loved putting together outfits, taking photos and editing them, it was so fun to me! I was spending every dollar I had spare on clothes I would wear maybe once and even sometimes just for a photo! I now have a totally different mind set! And not only have stopped buying so much clothing, i am selling the stuff i never worn and making even some of the money back. Im also only buying what I actually need, like these new levis jeans since my old black jeans no longer fit right, I researched and picked these up on sale for 40% off! Im reworking the clothes i decided to keep and wearing them more often! I've also started working on a capsule wardobe! Im so proud of my progress 💖


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