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Was waiting for this payment to clear and it did!! We paid off our second (of 3) student loans and our 4th (of 6) debt in our #debtsnowball! • This is a celebration, but it’s a little sobering because it was made possible by daycare costs being cut due to COVID-19. We are still taking care of our beloved preschool teachers for now and into the foreseeable future, so I’m thankful. But it is hard to be AS excited about our financial wins during a time when others are stressed and budget stretched because of lost income or lost jobs. • We are super thankful to have discovered the #debtfreecommunity and gotten serious about debt 19 months ago. Since then we have transitioned from paycheck-to-paycheck living, paid off over $25k in debt and saved $10k... If we hadn’t, we would be significantly more anxious about this time. • There is no better time to start than today! It doesn’t have to be perfect (it won’t ever be!) but inching forward is better than staying where we were. • Two big debts are ahead of us but we got this. 💪💪


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New month 💖 hoping for health and wealth for everyone this April and that we make it through this all stronger and wiser. . . . . . #debtfreecommunity #debtfreejourney #debtfree #frugal #frugallife #sinkingfunds #debtsnowball #daveramsey #budget #budgeting #budgetlife #goals #goalsetting #goaldigger #goalgetter #januarygoals #thrive


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Straight to the point! Back to being a one income household so it’s time to buckle down even more than before. 🙏🏼 Good luck to everybody working towards their goals in April ❤️ #AprilGoals #debtfreejourney #debtfreegoals #debtfreecommunity #babysteps #babystep2 #daveramsey #debtsnowball #livelikenooneelse #savingforthefuture #savings #frugalliving #frugalmom #frugality #finances #financialfreedom #debtisdumb #budget #budgetlife #moneymanagment #totalmoneymakeover


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Ooooh March... where do I begin with March?? 🤦🏻‍♀️ too say it was a rollercoaster would be an understatement. Hubby hurt his foot and had to go to the ER, I started my second job full of hope that it would accelerate our path to #debtfreedom... well I ended up losing BOTH jobs bc of Covid-19, children are home from school until at least May, we went into quarantine just like everybody else... oh, and today we had an earthquake! 👍🏼 at this point all I can do is chuckle. I think everybody can see where this post is headed... we failed miserably at keeping to our budget, and DEFINITELY failed at eating at home. Too much going on and I’ll be the first to admit I’m not that great at handling EXTRA stress 🤷🏻‍♀️. BUT I will say this... I always believe God has a plan and WE will all get through this craziness and tomorrow is a new day and new month. WE can do this and let’s keep rooting for each other ❤️ #debtfreejourney #debtfreegoals #debtfreecommunity #babysteps #babystep2 #daveramsey #debtsnowball #livelikenooneelse #savingforthefuture #savings #frugalliving #frugalmom #frugality #finances #financialfreedom #debtisdumb #budget #budgetlife #moneymanagment #totalmoneymakeover


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Saving 67.7% of my income this month! Continuing to contribute 20% of my paycheck towards my 401k. #swipe to see where it all went Will feel the effects of #covid19 moving forward into April. I may have modified hours depending on my patient case load while we await pending COVID19 test results and I am no longer able to supplement my income teaching fitness classes. Luckily I filed my taxes in January and received my tax return which I contributed to my #emergencyfund And I’m 1% closer to early retirement! Accidentally posted my #insanity progress calendar, but it’s how I’m keeping active! #marissafiredup #FI #financialindepence #fire #retireearly #debtfree #millionaire #millionairenextdoor #firemovment #MMM #financialindependence #richjourney #mywealthdiary #debtsnowball #4percentrule #financialindependencejourney #financialindependence #financialindependencenumber #moneysavingtips #debtfreejourney #buildwealth #personalfinance #sidehustle #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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March numbers are in and I knocked my citi card down to the $1500’s. Can’t wait to have this paid off by May 15th 😍 #debtfreecommunity #debtfreejourney #debtsnowball #debtsnowball #babystep2 #daveramseybabysteps #daveramsey #budget


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What have you done stupid with money? #daveramsey #financialpeaceuniversity. You too can win with money! Fix your spending, fix your debt, fix your credit score. #debtsnowball #FICO #creditrepair


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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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‼️Emergency Family Budget PT6‼️ 💎YOU NEED FAMILY💥 You can be a force on your own but it’s way better to dominate as a group so when I start with your family. This is A time when you can make a major play so let by gansz be by Gansz and come together strong with your family for the Legacy. You just need to capitalize on simple opportunities🔥🔥🔥 DM, comment, or CLICK LINK IN BIO if you need some other info to put your family in a good financial position💯💯💯💯 Love y’all #imyourfinanceguy #creditrepair #credit #debtsnowball #debtfreedom #multiplestreamsofincome #finances #marriedatfirstsight #blackcouples #propertyinvestor #realestate #realestateinvestor #realestateinvestors #youngmoney #hustlequotes


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Good Night 2 U😊 LEAVE TWO 🙏🏽🙏🏽IF YOU FEEL THIS! If things are tough right now, IT WILL PASS. If things are peaceful and blessed, remember those days when you thought you couldn't?? DON'T QUIT. Work through it and ENDURE IT. LET'S GET IT! Much love ❤️ Did you follow me yet @aboutyourpower ? Do it now to get access to proven resources that will allow you to be healthy, wealthy and wise. #daveramsey #babystep2, #financialpeaceuniversity #debtfreejourney #everydollar #debtfreecommunity #babysteps #debtfreeby30 #debtsnowball #payingoffdebt #debtfreeliving #debtfreecouples #fpucouples #gazelleintense #sidehustlecouples #1000payoff #sunrisehabit Thanks - #regrann - #regrann - #regrann - #regrann - #regrann


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$15,272.51 for the year so far. Just keep swimming. • • Two years ago we were not financially prepared for the current events. Our plan then would have been struggling to open a new credit card. We have decided to keep only $1,000 in our emergency fund. We are on track to get rid of the next debt which has a minimum payment of $637. I’m gambling here, but I think it’s the right call for us. • • Our minimum payments started at $3,756.86. The current minimum payments are $2,142.86. If the next month goes as planned, we should be down to $1,505 in minimum monthly payments. 🥳 • • #debtfreecommunity #debtfreejourney #financialpeace #gazelleintense #debtfree #babystep2 #livelikenooneelse #budget #okcdfc #babysteps #davecar #millionairemindset #goaldigger #intentionalist #sixfiguredebt #debtsnowball #nospend2020


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


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Hi! I’m a 29 year old living in New York City who graduated from a masters in school counseling in 2015 with student loan debt of $43,000 and credit card debt of about $8,000.⁣ ⁣ When I first found the #debtfreecommunity and Dave Ramsey I was so inspired to dump debt but quickly lost motivation and momentum.⁣ ⁣ This year I restarted my journey to debt free again and the crisis going on lit a fire. I never want to be afraid of not saving enough because of debt.⁣ ⁣ What’s your motivation for dumping debt? Let’s talk in the comments⤵️⁣ ⁣


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...March 2020 Progress ✨. We didn’t put extra to debt this month. We only paid the minimums. Any extra money we had in our budget went straight to our COVID-19 Emergency Savings. Can’t wait to watch our savings grow and pray we don’t have to use it. I’m excited to throw a lump sum onto my student loan. #debtfreecommunity #financialfreedom #daveramsey #babystep2 #debtsnowball #financialpeace #debtfreejourney #budgeting #livelikenooneelse #cashenvelopesystem #financialindependence #savingmoney #debtsnowballcalculator #budgeting


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


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Closed out March envelopes today! I'm pretty sure this month had 987 days in it... 🤣⁣ ⁣ I'm super happy at how much was leftover! Thanks to Xander being gone for 3 weeks and due to quarantine it's been pretty easy saving money! ⁣ ⁣ We have $523 left!⁣ ⁣ Here's what we're doing with it:⁣ ⁣ Eating Out 🍕 House 🧻 Bentley 🐶 Shoppette 🍷 & Groceries 🛒 will all be rolled over to next months. We like having extra $$ to splurge on some things so it's nice to make the budget a little bigger now and then. ⁣ ⁣ Hair ✂️ we will roll over $50 and put $10 into savings. ⁣ ⁣ Gas ⛽ all that extra is going straight to savings! Probably going to add it towards our Vacay SF. We just thought about how much gas is going to cost for our trip to MT in May. 🙈 Depending on gas prices it'll probably be around $500!!⁣ ⁣ Fun 🎉 we rolled over $20 and $45 to savings⁣ ⁣ Date 👫 all going to savings⁣ ⁣ I haven't distributed the $$ into their designated sinking funds / debt payoff yet, so I guess I'll go do that now!⁣ ⁣ Was March a successful month for your spending?⁣ ⁣ #cashenvelopes #debtsnowball #debtpayoff #debtisdumb #debtsucks #savings #savingmoney #cashisking #debtfreepursuit #debtfreecommunity #finacialfreedom #onabudget #budgetlife #quarantine #zerobasedbudget #makeithappen


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you know...I keep have so much gratitude for being able to earn extra income from my phone 📲 4 years ago I kept finding myself feeling guilty when we said yes to everything from a vacation to ordering pizza. I was 𝒂𝒍𝒘𝒂𝒚𝒔 thinking “should we be doing this?” It’s not fun to live that way... After researching lots of opportunities, my friend introduced me to a health + wellness company and I got started. I was able to earn $1500 in bonuses, make back my investment, and pay for the products I wanted all within the first 3 months. That extra income allowed me to also pay for an upcoming family vacation ☀️! Since then I have: •paid off my car loan early 🚘 •paid for Allison and Vince’s activities ⚾️🎾⛳️🏊🏻‍♀️ •paid off two debts since July 2019 (yay debt snowball!) ✅ I think it’s so important right now that I put this message out there — 𝒚𝒐𝒖 𝑪𝑨𝑵 𝒎𝒂𝒌𝒆 𝒎𝒐𝒏𝒆𝒚 𝒇𝒓𝒐𝒎 𝒚𝒐𝒉𝒓 𝒑𝒉𝒐𝒏𝒆 𝒘𝒉𝒊𝒍𝒆 𝒂𝒕 𝒉𝒐𝒎𝒆! This is a simple business that I will personally teach you. You can. But only if you get started like me. Text ‘OPPORTUNITY’ to 330.774.3079 😊 #workfromphonemom #extraincome #debtsnowball


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


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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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We paid our bills on time in March. That's it. No extra. Now since I have time, I'm letting goofy ass Rosa come out to play. Life is stressful enough not knowing financially how my business will be but I'm going to have fun while the shitstorm begins. I downloaded tiktok... it's over. 😤😉 #tiktokparents #itsoverforyouyoungins.


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Landlords and investors everywhere are nervously awaiting the first of the month tomorrow. But it won't be tomorrow or the next day that things get bad. It will be a few weeks from now when you start seeing financial systems collapse, and ppl will be like "who knew that would happen if everyone stopped paying their loans??" 😎😆 . . . #debt #rent #financialsystem #marketanalysis #realestateinvesting #realestate #realestateinvestor #loan #landlord #landlordlife #landlordproblems #tenant #whosgoingtopay #debtsnowball #economiccollapse #economy #economicpredictions #novarealestate #firstofthemonth #rentcheck #rentmoney #payyourselffirst #payyourbills #getthatmoney #mortgage #recession #smallbusinessowner #investor #debtcollector #ifyoustayreadyyoudonthavetogetready


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she’s beautiful


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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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Starting the month out FRESH! If this pandemic has taught me anything it’s to get my finances in order ASAP . ——————————— #debt #debtfree #debtfreecommunity #debtfreejourney #debtfreememe #financegoal #financialfreedom #daveramsey #daveramseybudget #daveramseycommunity #personalfinance #personalfinances #debtsnowball #debtisdumb #budgeting #budget #budgetplanner #goals #goalsetting


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Paid off another student loan. Can’t wait for it to clear and fill in my chart from @debtfreecharts . Been doing the $5 challenge and other challenges from @thebudgetmom so thankful to for her guidance. #budgeting #debtfreecommunity #debtfreejourney #debtsnowball


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I’d love to know one of your goals for April. I feel that April is going to be a challenging month, so I’m focusing on my mental health and things that I enjoy while we stay in shelter in place....#coronavirus . Mindset will be a positive mindset. Employing the @savemycents #igetto . . Less drinking and more walking! . I’m going to give away 4 of my 45 minute to 1hr. Money coaching call to help someone in need 💕. . Get past the 500 subs mark in YT.


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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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Here are my debt payoff totals for the month of March. Progress was made this month, however it still feels a little intimidating. ⁠ ⁠ I'm sharing my monthly debt totals because I know there are others who are unable to throw hundreds of thousands of dollars towards their debt. ⁠ ⠀⁠ For the month of March - I finally received a paycheck for two weeks of consistent work. However, I'm still not receiving my full rate of pay. ⁠ ⠀⁠ I publish this post on a monthly basis to show for those of us who are unable to pay off hundreds and thousands of dollars of debt on a monthly basis. Guess what? ITS OKAY. You have to start somewhere, right? At the end of the day, as long as you can pay something, it's all good.⠀⁠ ⠀⁠ How much debt were you able to pay off during the month of March? Have any of you placed your debt payoff on hold due to COVID-19?⁠ ⁠ #coincountinmama #blackgirlfinmagic #blackgirlswhoblog #debtfree #debtpayoff #debtfreecommunity #debtfreejourney #sixfigureloans #studentloandebt #creditcarddebt #millennials #contentcreator #budgetmom #tampaentrepreneur #daveramsey #financialgoals #financialliteracy #tampabloggers #teamtinyshovel #creditcarddebtsucks #tampainfluencer #budgetlife #debtsnowball #moneytracker #debtfreetracker #debtfreeplanner #financialgoals #money #budgetingtips #controlyourmoney


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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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🌟Debt paid in March🌟 Steady pace. Credit card and student loan payments. 1st Quarter of the year done. #Debt #debtfreecommunity #debtfree #debtfreejourney #debtsnowball #debtpayoff #refinance #financialliteracy #homeownership #financialfreedom #financialpeace #budgeting #budget #babystep2


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I know there’s a lot of career uncertainty for people right now, especially for those in industries where working from home just isn’t possible (hey there, service roles) so I wanted to share a little about my own career and why I think it’s pretty fab. . I’m a data analyst, and I’ve worked in healthcare, marketing, and now in HR. I work with numbers a lot, but all the math is done for me by the systems I work with. My favorite tool to use is PowerBI, which lets me build beautiful interactive dashboards for business folks to use in their decision-making. I also code in Python and SQL on a regular basis. I did get a master’s degree in statistics before starting my career, but in undergrad I was a French major who took “Writing About Math” as her required math credit — I had zero interest in a quantitative field! Now, though, I love how my field keeps growing and changing. There are amazing forums and blogs online that I can read for help on a particularly tricky problem, and great courses for free or nearly-free online with Coursera, DataCamp, and others. Not to mention the industry is BOOMING — I get lots of messages on LinkedIn from recruiters, and I’ve gotten two of my last three jobs that way! . If you have any questions about how you can break into this field, I would love to hear them! Ask me anything in the comments below, or send me a DM. I’m rooting for you! ❤️ #debtfreecommunity #debtfreejourney #7babysteps #livewithless #financialfreedom #financialpeace #debtfreedom #livelikenooneelse #budgeting #daveramsey #debtfreeliving #frugalliving #personalfinance #debtsnowball #millennialmoney #moneyhabits #debtfree #liveonabudget #savemoney #frugalmama #frugal #actyourwage #llnoe #momonabudget


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FOLLOW @blkwallet 🔥


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


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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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Love y’all, but we’re bored 🥱


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I’ve never been more nervous for a new month to start. March was a looooong month that escalated quickly. We’re pausing our debt snow ball. I’m so thankful for aggressively paying down our cars, we don’t “need” to make payments until July and August on them. We’re forgoing payments at least this month to build our EF. We will also not be paying student loans this month. I was officially laid off from my side hustle last week, thankfully we don’t rely heavily on that and it was just for debt. My husband is deemed essential but his schedule is very limited, so we aren’t sure how much money will actually be coming in April, (I’m going to be honest, I haven’t read much about the stimulus checks or when they maybe coming, please feel free to educate me on this topic). • On the bright side, we’ve had a great time as a family and remote learning is going great! We look forward to April birthdays, Easter and more adventuring on our family farm in the coming month. With all of the craziness and uncertainty going on, there is still lots to be thankful for. • Two things that have increased: our power bill and groceries. Having all 4 of us home more full time has increased the need for more electronics and appliances to be used as well as the need for more food. These are things we have budgeted for. The local schools in our county provide curbside pickup for breakfast and lunch for any child 18 and under. That has helped our grocery bills. • Our total EF Goal: $4,000. Currently: $2,651 . . #aprilgoals #financialfreedom #debtfreecommunity #debtfreejourney #daveramsey #babystep2 #debtsnowball #emergencyfund #money #financialsecurity #finances #budget #groceries #frugal #mom #sahm


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


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debt totals are in! 🥳 love to see the aggressiveness picking up every month! 👏🏾 . also want to mention that i’ve paid off 1.90% of my total debt in March & i have an overall debt payoff of 5.49% 🤩 . #housesavings #housegoals #debtpayoff #thebudgetmom #budgetbypaycheck #katespadeplanner #cashenvelopes #daveramsey #debtfreecommunity #dfc #debtavalanche #babysteps #cashenvelopemethod #moneygoals #personalfinance #budget #budgeting #debtfree #planner #budgetplanner #cash #financialfreedom #budgetlife #debtfreejourney #thebbpworkbook #tbm #money #debtsnowball #studentloans #frugalliving


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MARCH NUMBERS. Better than nothing.😅🎉 #debtfreefuture


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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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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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My man @anthonyoneal with this truth! Don’t let negativity hold you back! Drop a 💯 if you know this to be true! What are you doing to manifest your dreams right now? #financialfreedom #sidehustle #budget #babysteps #debtfree #nodebtlife #debtsnowball #financialpeace #daveramsey #emergencyfund #debt #studentloans #blackmoneymatters #cashisking #wealth #debtfreefuture #debtfreecommunity #debtfree2020 #personalfinance #moneytips


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Never too late to go back to your core principles. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ If you don't have core principles, I highly recommend to begin thinking of them. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ These are my three core principles!⠀⠀⠀⠀⠀⠀⠀⠀⠀ 1. Your money should make money for you. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 2. Compound interest. Start early. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 3. House hack. Eliminate your largest expense. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Once I started focusing on these three core principles, it was amazing to see how fast everything started turn for the better. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I wasn't on a bad path, but I was on a path that would have me retiring around 65 just like everyone else. A path that I would have been proud of, but not one I would look back on my life and be excited about. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I am excited about the path that I am on and everything I have done to this point. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I am even more excited to continue moving the needle in the right direction by following my three core principles. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ -⠀⠀⠀⠀⠀⠀⠀⠀⠀ @TheYoungRetireeBy33 3 Core Principles:⠀⠀⠀⠀⠀⠀⠀⠀⠀ 1 - Your money should make money for you⠀⠀⠀⠀⠀⠀⠀⠀⠀ 2 - Start early to realize the power of compound interest⠀⠀⠀⠀⠀⠀⠀⠀⠀ 3 - Eliminate your largest expense by house hacking


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My open letter to online entrepreneurs and creatives — do not feel guilty for making money right now. But please evaluate if you’re profiting directly off of people’s fear or uncertainty (or from hoarding Purel.)


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{April 2020} Another month down and we are getting close to being halfway through 2020 already! Everything feels a little unpredictable lately but there is still plenty we can control. Swipe 👉🏻 to see my personal and our financial goals for April. I feel like it’s good to stay focused right now. The side hustle goal may be a bit of a stretch given everything that’s going on but it’s just a goal. #april #newmonth #goals #debt #debtfree #debtfreecommunity #debtfreejourney #debtfreegoals #debtfreeliving #debtsnowball #debtfreecommunityaustralia #ozdebtfreecommunity #saving #savingsgoal #payingoffdebt #emergencyfund #daveramsey #frugal #frugalliving #finances #budget #budgeting #life #love #family #sahm #autism #isolation #weightloss #health


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To know me is to know how disciplined I have been in terms of paying off my house and I am happy to say that I finally did it. I refinanced this house in April 2013 for $171,000 at 3.% for 15 years. I am so excited and even though Greenacre plumbing continues to harass me for leaving an honest review about their poor service, it will not stop me from being thankful that I accomplished this goal. I hate that @homeadvisor is a host site for businesses like this that lack integrity. Jeff may have destroyed my home but he will NOT destroy my hope. Stay safe during this pandemic you all. —————————— #debtfree #debtfreecommunity #debtisdumb #totalmoneymakeover #daveramsey #gazelleintense #debtfreescream #babysteps #debtsnowball #momoney #whatsinyourwallet #nolongerslaves #debtfreedom #cashisking #wherethecashat #budgeting #budget #debtfreejourney #millennialmoney #goals #buildwealth #money #wealth #millennials #financialindependence #financialfreedom #millennialfinance


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This month I am tracking my spending a little differently. This year I have been using the #envelopemethod and using cash for my spending. However, because of #covıd19 I am going cashless this paycheck. • Prices are higher, I’m doing more spending online, and I am trying to steer clear of human interaction as much as possible. All of this makes it clear that cashless is the way to go this month. • I made these cashless trackers in PowerPoint for my wallet to keep me on track. Instead of tracking down to $0, I am tracking up. I want to spend as LEAST as possible this month. Seeing what I have spent will help me spend less. Obviously when using my cash envelopes, I count down. • Lots of budgeting changes for me this month! How about you? What changes are you making because of the #corona virus?


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Proud of this number. I am motivated to save even more next month. I just found out my school district is closed 𝐢𝐧𝐝𝐞𝐟𝐢𝐧𝐢𝐭𝐞𝐥𝐲. That means it's time to get my schedule, meal planning, budgeting all aligned. Team meetings and training is starting this week. . . . Teachers, what's the news with your school? Have you started distance learning? . . . #savingmoney #savings #billtracker #paymenttracker #grocerybudget #debt #debtfree #debtfreejourney #debtfreecommunity #debtsnowball #debtfreegoals #debtfreegoal #budgetplanner #budgeting #budgetplanning #budgetingtips #budgetnista #livingonabudget #budgetbeauty #budgetliving #couplebudget #marriedbudget #financialplanning #momlife #bossmom #budgetingforbeginners


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


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Homemade French fries & Amish loafs of bread! Feeling like a real pioneer woman these days! 🥖🥔I am pregnant and not able to contribute much financially, but I can do everything in my power to save money in the home! How has your social distancing looked? #homemade #homemaker #baking #cooking #debtfreecommunity #debtfreejourney #babystep2 #debtsnowball #frugal #savings


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


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Well, I’ve decided to pause my #DebtFreeJourney! March was suppose to be a big payoff month for me 😩😩😩... * * I received my tax refund💲🥳. I was hoping to list a lot of items to sell online🛍. I planned to host a garage sale in preparation for spring cleaning🧺📦. I cut my sinking funds to apply more money toward debt💰. All of this was in an effort to make a huge debt payment... but then there was COVID-19 and all my plans were shut down. * * The beginning of March I was hopeful and strategic😌. By the middle of March I was skeptical and cautious🧐. And here at the end of March, I’m now pivoting and proceeding with caution! 🤨... * * Fortunately, my income will continue so the money I was going to apply towards #debt, I’m now using to temporarily beef up my #emergencysavings. When things get more stable, I intend to make a large lump sum #debtpayment at that time and continue with my #debtsnowball. * * In the meantime, I'm making the minimum payment only. But I’m so grateful to be able to still afford to make that payment🙏🏾! It’s business as usual at the @takcashwithash household... with more of a cushion just in case😉. How are you all dealing with the #debtsnowball during the #covid19 crisis? * * #talkcashwithash #debtfreecomunity #debtfreedom #debtfree #debtfreegoals #debtsnowballmethod #debtpayments #debt #budgeting #budgets #budget


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


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REAL TALK! Say you invest $5000 and make an average return of 10% on your investment in the first year. You will have made $500 in the year. Instead now, say you cut down your groceries by $50 every week and also cancel that $150 cable subscription by switching to a digital subscription (ex: Netflix) for $15 every month instead. In this second case you will have “made” $2220 in the year!💲💲 . Obviously the best-case scenario involves both saving AND investing (or if you prefer, a high interest savings account) for your money. However, as you are starting out, if you only have time for one of the two, you will grow your money faster by focusing on how you can save more instead of focusing on how you can grow what you have already saved through investing. Let’s save those dollars!💲💲 . What do you do with your savings? Do you put it into a savings account, GICs, stocks, real estate, or something else? Let me know in the discussion below! ✏️✏️ . Like this post? Double tap! 👆👆 Follow 👉 @BudgetFirst Follow 👉 @BudgetFirst Follow 👉 @BudgetFirst


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The last few weeks have been a #hotmess. I’ve been trapped at home. Businesses are closing. I’m seeing so many people out of work or with reduced hours. Idk if today is Tuesday or Friday 🤪 . . I’ve been going back and forth over whether I should continue to post financial wins when so many people are in the dark. Like always, I navigate the world by what feels right in my spirit...free of societal norms or whatever tf I’m “supposed to do.” I’ll be sharing some, but not everything. . . So, today go outside and greet the sun. Get dressed up for absolutely no reason. Have a ghetto photo shoot like me. Do whatever makes you happy and feel good✨. . . . . #debtfreejourney #dfc #dumpingdebt #moneybossmama #payingoffdebt #moneymindset #moneymotivation #debtfreegoals #debtisdumb #debtfreecommunity #covidkindness #financialfreedom #debtpayoff #debtsucks #debtfreelife #debtfreeaf #aspiretoinspire #womeninfinance #teamtinyshovel #debtsnowball #debtfreedom #inspirationalpost #debtfreeby30


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Feeling a little overwhelmed/grateful/excited/nervous about my money situation these days. Instead of trying to write everything out in an insta caption, I wrote a blog post with all the updates on my current money situation instead - including how I was able to make this payment today - Check it out at the link in my bio🌟


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I HAVE CRACKED THE TEN THOUSAND’S 🎉. . I sent $700 to my bike loan yesterday which brings my total debt balance down to $10,738. . I am so excited to smash out my bike loan! I’ve estimated it will be paid off by the first week of July. . My car loan unfortunately is an unsecured loan and the interest is already fixed to the loan amount. There is early payout and extra payment fees associated with the loan. . My plan is (once my bike loan is paid out) increase the minimum repayment on my car loan by $125 (min repayment for my bike loan each fortnight) and pool 20% of my income in fire extinguisher until the balance in the account is equivalent to the payout figure of my car loan, then pay the entire loan out in one hit. Doing it this way I avoid extra fees. . I am so excited and determined to be debt free this year! Considering that we are TTC, I would love to be debt free before we hopefully bring a baby earthside 👼. . . #daveramsay #the1000dollarproject #shesonthemoney #debtsnowball #barefootinvestor #moneybrilliant #ttc #infertilitysucks #loans #moneygoals #moneywins #kickingdebt #payingoffdebt #dumpingdebt #ditchingdebt #debtfreecommunity #ausdebtfreecommunity #debtfreedom #debtfreejourney #ausdebtfreejourney


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To be honest this quarantine got us lazy and we over spent on buying junk and fast food. Not something we are proud of but we finally looked through our bank statement and added up how much we spent on fast food. This will be our new method at the end of every month and see where we over spent and just try to do better for the next month. We are still trying to lower our electricity bill. Most of them time that we are home the lights are off. Since it’s getting warmer, we turn off the heat; so hopefully it will lower much more by April. #thebudgetcouple #money #debtfreecommunity #budgetplanner #budgetingtips #budgeting #debtfree #debtfreejourney #debtsnowball #debtfreegoals #moneymanagement #finance #personalfinances #creditcarddebt #savingmoney #financialfreedom #debtisdumb #budgetshopping #daveramseybabysteps #daveramsey #daveramseyplan #howtosavemoney #stopspending #savemoney #nomoredebt #frugalliving


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