#everydollar

#everydollar photo

This is our updated income for April. It’s still significantly less than our normal income from the month because there’s no overtime or yoga classes included in it. But, we are able to pay all of our bills this month, and still have a little extra to save and help someone else. My cup is full. I’m grateful. I know many people personally who are not as lucky right now. • There’s a lot of uncertainty right now, and I have no idea what the future holds for me and my career right now. & to be honest it makes me quite emotional. But, I’m just going to take things one day at a time. ❤️ • #budget #everydollar #aprilbudget #grateful #wehaveaplan #mycupisfull #debtfreejourney #ridethewave #letgo #debtfreecommunity #debtfreebefore30


0commentNormal

#everydollar photo

📉💸📈 Our 2nd step for our “April Organize Our Money” plan was to reconcile our expenses and payments on @undebt.it ✅ We are still focusing on our plan to pay off our old Medical 🏥 & Dental 🦷 debts, though our debt tsunami 🌊 is on pause right now. “The Bad” is that our completion date is moved back.😔Our primary focus is to continue to be in “savings mode.” 🏦 We are continuing with making the minimum payments, and if the balance is very small we pay it off. ⚔️💸📝The next step is to complete a “budget report card”📝for January, February, and March since we haven’t had much time to reconcile in our monthly budget in @the_happy_planner .📱We have still been monitoring all our outgoing expenses online daily. 🥳Sooo happy that our @undebt.it plan is now up to date! 🥳 #undebtit #everydollar #HappyPlannerBudget2020 #PausingDebtTsunami #EssentialsOnly #StickToYourMonthlyFinancialPlan #debtfreecommunity #debtfreecommunityAustin #debtfreecommunityaustralia #debtfreecommunityuk #debtfreecommunityireland


0commentNormal

#everydollar photo

Today is a big day for us… $300,000 in debt. That’s how we started our marriage on 9/9/17. $200k in student loans and $100k in debt from credit cards, sparing no expense for wedding and honeymoon of our dreams, and starting several businesses. @hobokengrace has been a major part of our lives for many years since we’ve lived in the NYC area (it's also where we met!) and this was the place where we learned of #financialpeaceuniversity and the #babysteps principles developed by @daveramsey . Soon after we were married, we attended the marriage counseling class with @pastorhigh and began our first monthly meeting together, dreaming of what our future would hold and we decided to prepare a detailed, written budget together using #everydollar . Hoboken Grace and Vinny Hu began #momentum which meant taking our entire church through #FinancialPeaceUniversity. Our first class was on 1/18/18. After a few #FPU courses, it was clear that we needed to start a mission to eliminate this debt immediately. $300k seemed insurmountable, especially with us having only 1 stable income and in the midst of starting 4 new businesses (not knowing what they would produce). However, we decided that we were all-in and we were going to rely on God to provide. The numbers didn’t make sense but we agreed to tithe 10% of our gross income… realizing that we’d rather live on 90% with Him than 100% without Him. The results were shocking and absolutely unbelievable!! With Gods miraculous provision in all areas of our lives, we’ve somehow managed to finish paying off $300k TODAY, 4/4/2020. $300k in 30 months since starting our first budget and just 24 months since completing #FPU. We’re incredibly grateful to God and for the people in our lives that have helped along the way. During these challenging times, we’re hoping this message helps provide Hope to you all. Here’s a link to the post from when we first got started: https://hobokengrace.com/blog/best-thing-ever/ #SomeGoodNews @somegoodnews #FinancialPeaceUniversity #DaveRamsey @daveramsey #FPU #HobokenGrace @hobokengrace


4commentNormal

#everydollar photo

𝐈’𝐥𝐥 𝐛𝐞 𝐠𝐨𝐢𝐧𝐠 𝐋𝐢𝐯𝐞 𝐭𝐨𝐦𝐨𝐫𝐫𝐨𝐰 𝐰𝐢𝐭𝐡 @missnyusa !!!⁣⁣ ⁣⁣ In March, approximately 10 million people filed for unemployment and many have faced pay cuts - one way or another, the global pandemic is affecting us all. Join me and Andreia Gibau, Miss New York USA 2020 🇺🇸 as we discuss managing your money during this crisis.⁣ ⁣ 𝐓𝐨𝐦𝐨𝐫𝐫𝐨𝐰, 𝐒𝐮𝐧𝐝𝐚𝐲 𝟒/𝟓 𝐚𝐭 𝟑𝐏𝐌 𝐄𝐒𝐓 𝐨𝐧 👉🏼👉🏼 @missnyusa 👈🏼👈🏼 𝐈𝐧𝐬𝐭𝐚𝐠𝐫𝐚𝐦 𝐩𝐚𝐠𝐞!!⁣ ⁣⁣ #budget #budgetcoach #debtfree #debtfreecommunity #debtfreejourney #debtfreeliving #debtsucks #everydollar #FIREcommunity #entrepreneur #earlyretirement #financialfreedom #minimalism #latinalawyer #latinaentrepreneur #lawschool #studentloans #personalfinance #wealth #womeninmoney #zerobasedbudget #zerobasedbudgeting #ZBBposts


7commentNormal

#everydollar photo

Someone won this MacBook for me as a gift (so I got it for free - wow!), but over time, the keyboard started to hurt my fingers 😖. And since I have my work laptop, I started using the Mac less and less. So I ramped that #gazelleintensity and decided to sell. Sold to a nice photographer who will use it well. I’ve had such a good experience selling on FB marketplace! And this $1,100 will go to my debt snowball! ❄️💳⚔️SOLD! • • • #daveramsey #babystep2 #financialpeaceuniversity #debtfreejourney #everydollar #debtfreecommunity #babysteps #debtfreeby32 #debtsnowball #payingoffdebt #debtfreeliving #debtfreecouples #fpucouples #gazelleintense #sidehustlecouples #sunrisehabit #thesecret #thinkandgrowrich #manifesting #visualization #lawofattraction #americandream #gazellegoal #financialpeaceuniversity


8commentNormal

#everydollar photo

After a couple unusual months (travel, engagement, moving, pandemic), I’m ready to find my new routine, and that doesn’t happen without goals. The ingredients of a successful routine (at this time) for me including paying towards debt, being organized, reading, productivity, & thinking/meditation time, so I made sure my goals aligned to what I need to be my best self. What are the ingredients you need to be your best self? Write them down like a recipe for your favorite meal, and start working towards achieving it. • • • #daveramsey #babystep2 ##debtfreejourney #debtfreecommunity #everydollar #debtsnowball #financialpeaceuniversity


4commentNormal

#everydollar photo

Tracking your money and spending less in specific areas that are not adding value are some of the first steps in taking control of your finances. If you're not doing this yet, what's up? It's all good you can start RN. Do you remember the last 5 things you spent your money on?


3commentNormal

#everydollar photo

It's the beginning of the month when I send a payment to my debt and it has cleared. This includes my minimum of $324 (I always round to $350) plus a little extra. This payment brings my debt into the $1Ks. 🙌🏽 I came up with a plan the other night to allow my to pay off my debt by April 17th 🤑 I spoke to my financial advisor aka my dad and he approved! 👏🏽 I have only TWO payments left and this lil baby is G O N E! 💃🏽💃🏽💃🏽 Should I record making the last payment? Maybe an Insta Live? Share your ideas, please! 😆 · · · · · · · #debtfreecommunity #dfc #debtfreejourney #debtfreedom #debtfree #debtfreeliving #babystep2 #daveramsey #personalfinance #financialfreedom #financialpeace #payingoffdebt #budget #budgeting #everydollar #debtsnowball #focus #goals #moneygoals #finance #momblog #almostthere #coronapayments #everydollarassigned #budgetingwell


14commentNormal

#everydollar photo

WERE DEBT FREE!!! ⁣ I can’t believe it! I have chills!!! This has been such a huge goal for us! ⁣ ⁣ I want to acknowledge right off the bat that Lorenzo and I have prayed and planned very intentionally, not from a place of fear But from a place of FAITH. ⁣ In December we started training ourselves on how to manage and oversee our finances.⁣ Today we decided we would walk in faith and pay our last debt loan! ⁣ ⁣ We are so undeserving of the many blessings we have encountered.⁣ What should have taken us another 3 years, we have been able to accomplish in a little over 3 months. 🤯⁣ At the beginning of 2020 Hubby and I set a goal on our vision board “We are debt free!” And After analyzing many different things, we made a plan to be debt free by June 2020. ⁣ We both worked so hard, picked up extra jobs, sold things, and have saved all we can through budgeting. We have worked very diligently and have denied ourselves many things and today we saw the fruit of our labor! We cut our estimated time to reach our goal by almost 1/2😭🙌🏻🙏🏻 ⁣ I can confidently say that without Gods direction, guidance, discipline and blessing this would have never happened for us. ⁣ ⁣ There is so much that I want to say but I’ll wrap it up in these few words... We are so so grateful!😭💛🌱🙌🏻🙏🏻


50commentNormal

#everydollar photo

Man, never would’ve guessed I’d experience a pandemic and be quarantined. I’ve been MIA lately, but a lot has changed for me. It seems like EVERYTIME I try to get ahead something crazy happens. I left my sisters place, moved in with my partner, and got a new job. My debt payoff for March was high due to my tax refund 🙌🏾. Aprils debt payments will be just the bare minimum thanks to #therona . . . #debtfreecommunity #dfc #daveramsey #babysteps #babystep2 #bs2 #explore #financialfreedom #sheimproves #improvementseason #dontgiveup #newnormal #coronavirus #quarantine #stayhome #everydollar #budgeting


0commentNormal

#everydollar photo

🌈 I want to express my gratitude for all workers working on the front lines during these exceptional times. We must never forget the lengths they went to keep us safe, fed, and connected after this crisis ends. 🌈


5commentNormal

#everydollar photo

It’s been a difficult and busy month with Corona virus and working at the hospital. We’re slowly paying down little by little. Of course, by spending more time at home, our A/C goes out🤦🏻‍♂️. Oh well! Let’s hope this stimulus check comes this month so it can go towards our debt!


3commentNormal

#everydollar photo

Sooo, this is how my post run roll goes....gluts and calves were definitely feeling it after yesterdays workout.... A ball would have been a little easier on my gluts but I managed to get on the edge of my roller! The little ones, they just want to play😜 #motivation #workout #sweat #sweatymess #mindovermatter #ificanyoucantoo #fitness #fitat36 #massagetherapist #lmt @kneadedreprieve #volleyballer #vball #workinprogress #believer #budgeter #everydollar #enneagram6 #ima6 #intermittentfasting #intermittentfastinglifestyle #coffeelover #furbabies #rescuedogsofinstagram @tp_therapy @rocktape


2commentNormal

#everydollar photo

Staying the course is your best bet for hitting your goals. If something gets in your way, just keep on keepin’ on.


2commentNormal

#everydollar photo

After hearing that I’d be receiving my full check from my main job once hubby got paid on the 31st I paid all of our bills for the month. His check covered everything and we have about $17 leftover that I’ll be saving 😘 • It felt so good to just pay everything for the month. Now, we don’t have to worry. & that relieved a great deal of anxiety for me. • This Friday when I get paid we are saving $100 for groceries (to add to the other $100 we were gifted.) we’re filing our taxes, hubby and I are each getting a set amount to donate to whomever or wherever we choose. & whatever is left will be going to our Covid Fund. • #aprilbudget #billsarepaid #grateful #payitforward #debtfreecommunity #budget #everydollar #helpeachother #wereallinthistogether #covidkindness


3commentNormal

#everydollar photo

Don’t 👏🏽 Fall 👏🏽 For Deals!! As a former shopaholic, nothing entices me more than DEALS AND DISCOUNTS! But with the world falling apart and many people’s job security at risk, we need to carefully evaluate our finances and cut spending where unnecessary. THINK HARD: Do you really need that cute, fast fashion 👗 that will be out of style by the time we can go outside again? Or those winter 👢 you so coveted? Take me for example - I bought a pair of ill fitting @schutz boots at 30% discount from @neimanmarcus Now, I can’t even return it, unless I’m willing to take the risk of going outside and go to postal office 🤦🏼‍♀️ These times take away extraneous / material things and show us what truly makes us happy. Use this chance to invest time and money into hobbies and self care that generally boost your well being, instead of using money to buy material goods (EVEN ON DISCOUNT) to fill temporary voids 💩 Stay safe!! . . . . . #dfcbayarea #savingsaccount #debtsnowball #personalfinance #thebudgetmom #creditscoresmatter #creditrepairguru #girlonabudget #financialfuture #foreignconcept #debtavalanche #debtsucks #debtfreecommunity #everydollar #creditbytunika #surveysformoney #ifitfitsyourbudget #babystep2 #financemanagement #stokedonbudgeting #debtfreejourney #thefinancialdiet #womeninfinance #paychecktopaycheck #budgeting #budget #nomoredebt #budgetlife #debtisdumb #brokemillennial


4commentNormal

#everydollar photo

Hang in there! And know I’m here to help! • • • • • #daveramsey #coronavirus #covid19 #budgeting #debtfreecommunity #everydollar #inspire #money #finances #financialcoaching #coaching #hope


1commentNormal

#everydollar photo

Start giving yourself positive affirmations every day.


1commentNormal

#everydollar photo

Here is my Q1 2020 Recap with the high highs and the low lows (based on the goals I set earlier in the year a few posts back). Understanding that everyone is being impacted differently due to the current circumstances, I decided to frame my recap in the #IGetTo format because regardless of the positives vs. negatives I get to choose the decisions I make and my attitude towards everything. (Shout our to @savemycents the originator) I’m looking forward to making the most of Q2 2020 and the play the cards life has dealt me to the best of my ability. Drop some of your Q1 2020 wins/losses below so we can celebrate and uplift one another ⬇️


5commentNormal

#everydollar photo

We hope you and your loved ones are staying safe and healthy. ⁠ ⁠ Take the time to keep you and your family safe as we all try to slow the spread of COVID-19. ⁠ ⁠ ⁠ ⁠ ⁠ ⁠ ⁠ #payday #loans #money #cashwhenyouneedit #getpaid #paydayloans #loanofficer #JohnECash #cashfast #serve #help #everydollar #BobEDinero #financialhelp #ineedhelp #financialhelptoday #needmoneynow #needcashnow


0commentNormal

#everydollar photo

It’s important to make the RIGHT $ moves at the RIGHT time. Many people are experiencing legit emergencies in their finances. Some of us are just panicking (see the ppl with the mounds of toilet paper). Some of us are self medicating our anxiety with food (where is all the ice cream?!!!). Stay calm, assess your situation, prioritize, and plan accordingly. #beproactive #moneymoves #financialliteracy #financialfreedom #everydollar


0commentNormal

#everydollar photo

March goals are closed. I came in at 50%. 🙃 As y'all can tell, I'm not really good at sitting down and reading a book. Lol. This was my second month with the same book and I didn't get much further in March 🤦🏽 Imma keep working at it. Also, the alcohol went out the window when we got an unexpected date night - totally worth the couple glasses of wine. However, I did complete 25 No Spend Days and got my loan under $3K in March - an additional $1,000. If you haven't tried the no spend challenge, I would encourage you to do so. You get to set your own goal and your own exceptions. Message me with any question! I get my templates for the challenge from @debtfreegonnabe and it's not too late to start your April one! 😄


19commentNormal

#everydollar photo

“It’s quiet uptown ...” 🎶 ⁣ ⁣ John and I took a walk last Friday morning, barely anyone around - ⚠️ we maintained social distance. ⁣It’s been a week since I left my apartment. Maybe that’s why I’m feeling a little blue today. 🤔 ⁣ ⁣ Anywho, major ZBB Fam bonus points if you get the picture and lyric reference 😉 ⁣ ⁣ #budget #budgetcoach #debtfree #debtfreecommunity #debtfreejourney #debtfreeliving #debtsucks #everydollar #FIREcommunity #entrepreneur #earlyretirement #financialfreedom #minimalism #latinalawyer #latinaentrepreneur #lawschool #studentloans #personalfinance #wealth #womeninmoney #zerobasedbudget #zerobasedbudgeting #ZBBposts


33commentNormal

#everydollar photo

Sometimes you don't see how far $100 saved is gonna take you but the little efforts add up.⁠ ⁠ -⁠ ⁠ When you set out to improve yourself financially, you can’t always see what the end goal is. Sometimes it seems like the road is too long, or the staircase is too high.⁠ -⁠ But it’s like driving on a dark road. Your headlights only reveal so much of the road until you move forward.⁠ -


1commentNormal

#everydollar photo

New month, new money. We are still pulling cash for our envelopes, some places are only accepting cards; however in order for us to stay on track and stick to our budget this is the best way. We know exactly how much we have to spend in each category, and deposit money back into our account if necessary. And it’s just a better visual for us to see exactly where our money is going. How are you guys handling your budget during quarantine? Especially with any online shopping you may be doing, I’d love to hear any tips and advice 🤓 . . #financialpeaceuniversity #financialpeace #debtfreejourney #debtfreecommunity #everydollar #everydollarbudget #cashenvelopes #cashenvelopesystem #cashenvelopestuffing #quarantinebudget #quarantinebudgeting #cash #money


0commentNormal

#everydollar photo

L A S T | but not least...👩🏽‍🎓 🎓


3commentNormal

#everydollar photo

Planning for the future is hard when you’re still paying for the past! Listen—there’s a better way! Join my Financial Peace University class, and we’ll learn how to beat debt and make a plan for the future . . . together! Interested? Join me at Virtual Class starting Sunday, April 5, 2020. Feel free to message me your questions or sign up at fpu.com/1116840 ! Signup Link in bio! #financialpeace #everydollar #fpu #daveramsey #debtisdumb #debtfree #cashisking #moneystress #money


0commentNormal

#everydollar photo

Slow progress is better than no progress. Dave recommends if you still have an income, to stick to your plan. If not, focus on your four walls; shelter, food, utilities, transportation. Cover those first and worry about everything else second. · · My plan is to be debt free in not only April 2020, but in about 1-2 weeks! 😍 This is without any tax refund or stimulus package so if either one of those come, they will go directly to whichever baby step I'm on that day! I started this journey 4/27/2019 and I'm determined to not go a day over one year. 😈 Cheers to a year's progress! If you keep chucking away at it, eventually it has to go away! 🤑


7commentNormal

#everydollar photo

📣 In case you haven’t heard 📣COVID-19 is affecting your Federal student loans (not private or parent plus)!! Until Sept 30, 2020 there are no payments due and no interest accruing on these loans! 🔥🙏🏻 Here’s how this affects our financial situation: . 🔹 Our remaining debt is mostly federal student loans: about $34k. . 🔸 Because there is no payment due and no interest accruing for that $34k, we paused our minimum payments to those loans (about $600/month) and shifted those dollars to funnel into our savings. . 🔹 Over the next 6 months, we will stick to our lean budget and save all the cash we can. Continuing to pay minimum payments on private student loans and car loan. . 🔸 If we don’t have a loss in income and tap our emergency fund by the fall, we will likely pay the $4,200 worth of fed loan payments (March-Sept) towards a private loan AND PAY IT OFF!! 💥 . 🔹 Unrelated to federal loans, we typically live on 50% of our income. So instead of throwing the extra 50% to debt at the end of each month, we will also be saving that cash until the fall. . 🔸 We could continue our debt snowball like normal since our incomes have yet to be affected, but we’re taking this opportunity to be prepared and hibernate for 6 months. Then re-assess our options. . . #debtfreejourney #debtfreecommunity #everydollar #budgettips #moneytips #wealth #wealthbuilding #wealthmindset #budget #budgeting #moneygoals #saving #savemoney #personalfinance #themoneywell #babysteps #daveramseybabysteps #daveramsey #financialliteracy #monthlybudget #everydollarbudget #financialindependence #studetnloans #federalstudentloans #paymentpause


7commentNormal

#everydollar photo

NEW BLOG POST: Our ONE YEAR Dave-a-versary! We paid off $31,317 in one year. You guys...it feels so damn good to type that sentence. We have put $31,317 towards debt in the past 12 months - an average of $2,600/month. We began Dave Ramsey's financial plan or otherwise known as "The Baby Steps" on April 2nd, 2019 after we couldn't afford food in the cafeteria when our 6 week old son Gannon was hospitalized. To find out how or how much debt we have left, head to thepinkshoelaces.com or #linkinbio #debtfreecommunity #debtfree #oneyear #daveramsey #babysteps #everydollar #debt #creditcard #livelikenooneelse


3commentNormal

#everydollar photo

NEW BLOG POST: Our ONE YEAR Dave-a-versary! We paid off $31,317 in one year. You guys...it feels so damn good to type that sentence. We have put $31,317 towards debt in the past 12 months - an average of $2,600/month. We began Dave Ramsey's financial plan or otherwise known as "The Baby Steps" on April 2nd, 2019 after we couldn't afford food in the cafeteria when our 6 week old son Gannon was hospitalized. To find out how or how much debt we have left, head to thepinkshoelaces.com or #linkinbio #debtfreecommunity #debtfree #oneyear #daveramsey #babysteps #everydollar #debt #creditcard #livelikenooneelse


0commentNormal

#everydollar photo

With so many things changing, we are always here to help with your financial needs. ⁠ ⁠ ⁠ Call us today: 855-374-5626⁠ ⁠ ⁠ ⁠ ⁠ ⁠ #payday #loans #money #cashwhenyouneedit #getpaid #paydayloans #loanofficer #JohnECash #cashfast #serve #help #everydollar #BobEDinero #financialhelp #ineedhelp #financialhelptoday #needmoneynow #needcashnow


0commentNormal

#everydollar photo

You may be under financial stress during this COVID outbreak and it could have you feeling hopeless BUT there is HOPE 🙌🏻. It will take some work on your end but will be worth it in the end! . . . . You must make a budget! Record what your cash flow is each month. How much money are you bringing in and what are you spending it on...calculate EVERY PENNY! If you are spending more money than you are bringing in, start cutting expenses. Weight out your “Needs” vs. your “Wants”. . . . Our family enjoys using #excel for our budgeting needs but you can also use #everydollar or even write it down on paper 📝. At this point, you have nothing to lose so start calculating and get yourself out of debt!! #thethriftylifestyle #financialcoach #financialcoaching #covid #financialcrisis #debtfree #debt #budgetingtips #budgeting #financialindependence #lynchburgva #bedfordva #forestva #centralva #money #babysteps


0commentNormal

#everydollar photo

Finally used a $50 gift card I’d been given for Christmas to buy this book (yay free!). I’ve been wanting to read about #mrrogers for a while now, and so far, his life is fascinating! A true American treasure - a hero. ❤️ • • • #daveramsey #babystep2 #financialpeaceuniversity #debtfreejourney #everydollar #debtfreecommunity #babysteps #debtfreeby32 #debtsnowball #payingoffdebt #debtfreeliving #debtfreecouples #fpucouples #gazelleintense #sidehustlecouples #sunrisehabit #thesecret #thinkandgrowrich #manifesting #visualization #lawofattraction #americandream #gazellegoal #financialpeace


1commentNormal

#everydollar photo

Stack that PAPER. • If your emergency fund game is weak, now is the time to strengthen it. Cut down on those non essentials and stack that paper in a money market account.


14commentNormal

#everydollar photo

⁠ This a very hard time..... ⁠ ⁠ -⁠ Just take one day at a time.⁠ ⁠ Here’s the thing. You are going to fail in budgeting. You are going to make mistakes. That is A-OK.⁠ -⁠ But there is only one situation where it isn’t ok. Want to know what that is?⁠ -⁠ Quitting.⁠ -⁠ Never quit because of failure. Budgeting takes real work and practice.⁠ -⁠ Even with coaching from me or anyone else you probably won’t get it perfect right away.


4commentNormal

#everydollar photo

Here is our baby fund tracker 🥰🥰! We already have $500 saved 🤟🏾🤟🏾Our overall goal is to have $10k saved in our baby fund! We are going to start by saving $5k this year and another $5k next year! I did some research and found that the average cost of a baby in the first year is $13k 🤯🤯 Crazy right? So we are getting prepared now, so that whenever Baby E comes (in the next few years) we will have a little something saved, to help with the transition into parenthood.


1commentNormal

#everydollar photo

#debtfreejourney update: Today we refinanced our house from a 30 yr to a 15 yr mortgage! The amount of money we’re going to save in interest is insane!! Of course to celebrate we got @cali_n_titos take out and opened our @biltmoreestate bottle of wine (that @modern__concrete taste tested bc I was pregnant when we went 🤣) . . . Stay tuned for what’s to come as soon as this horrible virus passes. As of now we are in storm mode! . . . #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debtfreegoals #financialpeace #daveramseybabysteps #daveramsey #budget #everydollar #financialfreedomjourney #debtfreedom #rachelcruze #livelikenooneelse #livingonabudget #budgeting #budgetplanner #budgetlife #debtfreegoals #debtpayoff #debtsucks


2commentNormal

#everydollar photo

Spoiler alert: The Joneses are broke. That means keeping up with them will only get you into MORE debt! It’s time to run fast and hard in the other direction, and Financial Peace University will show you how. Join me for my next class at Virtual Class starting Sunday, April 5, 2020. Feel free to message me with any questions or sign up at fpu.com/1116840 ! @everydollar @daveramsey @ramsey.solutions Signup Link in bio! #financialpeace #everydollar #fpu #daveramsey #debtisdumb #debtfree #cashisking #moneystress #money


1commentNormal

#everydollar photo

This is something I have to remind myself of repeatedly. I wish I could say I've conquered comparisons, but, alas, I am a work in progress. 🙄 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ How about you? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Do you find yourself measuring parts of your life to other people's? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ We do this with ourselves. Our kids. Our finances. Our careers. And right now, there is much opportunity to compare yourself with everything that's popping up in your feeds. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ But it's damaging to you, and it's an insult to God. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ God gave us unique footprints. So our paths — both literal and figurative — cannot and SHOULD not look like anyone else's. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Remember, you are God's masterpiece. He crafted you uniquely and specifically to do the things he planned for you to do. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ What have you been comparing that you need to let go of? .⠀⠀⠀⠀⠀⠀⠀⠀⠀ .⠀⠀⠀⠀⠀⠀⠀⠀⠀ .⠀⠀⠀⠀⠀⠀⠀⠀⠀ .⠀⠀⠀⠀⠀⠀⠀⠀⠀ .⠀⠀⠀⠀⠀⠀⠀⠀⠀ #personalfinance #hopeandcents #hopefulmoney


3commentNormal

#everydollar photo

The sky is literally the limit with us! 🎉Nothing too big or small. No secret here! We faithfully tithe, budget, strategize, live off one income, and over communicate about our finances and goals! Cheers to us babe! PROVERBS 22:7! @daveramsey ❤️ . #journeytoproverbs #moneymanagement #blackwealth #blacklove #blacklovepage #financialfreedom #playingwithfire #daveramseybabysteps #everydollar #wealthbuilding


21commentNormal

#everydollar photo

Due to covid 19, our April is looking a lot different than we thought it was going to look.⁣⁣⁣ ⁣⁣⁣ Here’s what’s changed 👇🏻⁣⁣⁣ ⁣⁣⁣ 🛒 Grocery budget going up, up, up. We increased this budget by 50%. Here’s why - we’re no longer eating from outside the home 2+ times a week, with warmer weather coming, we tend to drink more alcohol & we’ll be having Easter at home.⁣⁣⁣ ⁣⁣⁣ 🐰 Easter travel budget has been removed. Every year for Easter, my parents, my husband & I, visit my brother & his wife (out of state). Sadly, that trip is cancelled. This means we don’t need to budget for extra gas money, extra tolls, eating out or entertainment for a trip.⁣⁣⁣ ⁣⁣⁣ ⛽️ I’m not budgeting for gas this month. In all honesty, I think we’re going to be homebound all of April with the only 2 exceptions being going to the grocery store twice, throughout the month. We already have a full tank of gas so I don’t foresee needing more gas this month.⁣⁣⁣ ⁣⁣⁣ 🚙 EZPass is same situation. We don’t get on the parkway to get groceries so I don’t think we’ll be on it this month.⁣⁣⁣ ⁣⁣⁣ 💰 Our giving will go up. Now, more than ever, our frugality allows us to help those in need. ⁣⁣⁣ ⁣⁣⁣ 🍔 Our entertainment budget is going way down (and this budget is basically eating out). While we don’t plan on ordering in, my husband suggested putting money aside to either buy gift cards for restaurants we love or to put money aside so when this is over, we can get out and support as many of our favorite restaurants as possible (that our budget will allow). ⁣⁣⁣ ⁣⁣⁣ 💵 As always, I use the @everydollar app to create my budget each month and it’s totally free!⁣ ⁣⁣⁣ How has your budget changed this month due to covid 19?⁣ 👇🏻⁣


11commentNormal

#everydollar photo

Ever since I've gotten into zero-based budgeting, I've planned out my budgets to know exactly where my money was going down to the last penny. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Well, that has gone out the window this month. I'm beyond blessed and grateful, that as of this post, I have not been affected by COVID-19, in that I'm still healthy, and I still have a job. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ With that said, those near and dear to me have not fared so well. Thankfully, no one is sick or has contracted the virus, but it has affected their employment and cash flow. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I've had a line item for family support for a while now, but this will definitely need to increase for this month and however long it needs to. Still trying to figure out what's manageable for me and how much they will need. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ It's also likely that I'll be picking up more expenses at home - again it's very fluid and up in the air right now. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I'm giving myself leeway this month and not tie myself down to a particular savings rate or a particular budget cap. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I know I'm in a very privileged position to help out my family and I am beyond happy to be able to do so.


14commentNormal

#everydollar photo

There will always be people that have more money than you. You will always know someone with a bigger house than you, a better car than you, or eating at better restaurants than you.⁠ ⁠ Do not spend money to impress these people—especially using debt.⁠ ⁠ Accept where you are at. Be content with what you have and where you are in your financial life. If you are working to change it, then that’s awesome. But don’t beat yourself up over where you think you should be or where you aren’t.-⁠ -⁠ -⁠ Recognize that where you are right now in life and in finances is just a stop on your journey. Knowing and accepting that where you are right now is temporary means that it’s ok to keep moving forward. You can be content with where you are right now while still desiring to move forward.


1commentNormal

#everydollar photo

And sometimes, that’s more than enough. ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ Like many others, the COVID-19 crisis threw us for a loop last month. 😩⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ We overspent on groceries and wanted to make sure that our “four walls” (clothing, food, utilities, housing) were covered before anything else. ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ With that being said, we did not put any extra money towards debt (nor have we for the past few months, for that matter). With one of us being a full-time entrepreneur (Jasmine, @empoweredtothriverva), income can fluctuate from month to month, so we make sure that we cover the most important things before anything else.⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ But we are hopeful that things will be back to normal soon and that we can resume our debt snowball. Until then, making it through is enough. ⁣⁣⁣ ⁣⁣⁣ ⁣⁣⁣ How did March go for everyone else?⁣⁣⁣ ⁣⁣⁣ #finances #financialselfcare #financialwellness #debtfreejourney #debtfreecommunity #everydollar #budgeting #budget #daveramseybabysteps #marriage #money #moneymindset #entrepreneurship


2commentNormal

#everydollar photo

Even though we're not putting extra money to debt right now I'm still updating this calendar. What you see here is not our payment totals for the month. This is actually the total amount that is applied to principal. Just for perspective, our minimum payment totals are about $1,000 a month. That's a whole lot of cash going to interest 😱. Those student loans burn us on interest. Eventually we will be back in a groove. The pause isn't forever.


5commentNormal

#everydollar photo

An update on our budget! 📈⚡️ It’s our goal to continually be a living laboratory for our Money Well friends, in terms of our personal finance practices and how we do this as a unified team! 👫🔒 So here are three budget scenarios we have planned together: 1. Good Times Budget ➡️ A typical budget when things are normal, our jobs are secure and we are working toward bigger finance goals. . 2. Lean Budget ➡️ A proactive budget in times of uncertainty. Not a forever solution, but a temporary proactive stance that puts us in a better position for emergencies. (aka COVID-19, job loss etc) . 3. Bare Bones Budget ➡️ If we had a loss of one or both of our incomes, we prioritize our NEEDS first. We can all assume our spouse thinks the same way we do, but nothing builds confidence and a spirit of teamwork like creating a safe space for open and honest money talk, than writing out a plan together. . 🔥 Write the vision and make it plain on tablets, that he who reads it may run. Habakkuk 2:2 🔥 . Do you have a proactive plan in place? It’s the perfect (and responsible) time to jump on the budget bandwagon. Shoot us a DM or a comment with any questions! . . #debtfreejourney #debtfreecommunity #everydollar #budgettips #moneytips #wealth #wealthbuilding #wealthmindset #budget #budgeting #moneygoals #saving #savemoney #personalfinance #themoneywell #babysteps #daveramseybabysteps #daveramsey #financialliteracy #monthlybudget #everydollarbudget #financialindependence #leanbudget #barebonesbudget


7commentNormal

#everydollar photo

It's that time again; finalizing my budget for the month. (I use the Everydollar app). Normally, I like this process. Normally, it is complete by the 1st of the month. But, these times are not normal. #budgeting #monthlybudget #everydollar #sourface #noincome #expenses #everydollarcounts #emergencyfund #davidramsey #rachelcruze #expensetracker #messageofhope


3commentNormal

#everydollar photo

By any means necessary. 💅🏽 One goal this month... Be #debtfree. Less spending. Pull from savings. Better budgeting. Whatever I have to do to make this happen. I don't want to be stressed or concerned about paying this bill any longer. The less bills right now, the better - for me! Even with my secured income, I want to start saving more. That's where I am in life. I understand everyone's on a different path; make your path sparkle the best you can! ✨✨✨✨ · · · · · ·#debtfreecommunity #dfc #debtfreejourney #debtfreedom #debtfree #debtfreeliving #babystep2 #daveramsey #personalfinance #financialfreedom #financialpeace #payingoffdebt #budget #budgeting #everydollar #debtsnowball #focus #goals #moneygoals #finance #momblog #debtfree2020


5commentNormal

#everydollar photo

I am super excited about my goals for April. These last few months have been 🥴🥴 Hoping this will be the month that I reach every goal!! My financial goals are pretty much the same from previous months except I plan to add more money to the emergency fund! Since I’ve been quarantined I’ve been cooking a lot more! My personal goal is to try out two new meals this month! What are your favorite meals to cook for dinner?


10commentNormal

#everydollar photo

I lost my job on Tuesday. I was essential til I wasn’t anymore. I don’t want to say too much about it other than some people say it’s a blessing in disguise but it’s difficult to see things that way when you’re actually in this situation. Thank god I paid off the car, so now we can live in it if we have to lol. They say everything happens for a reason, so this better be damn good. . . . . . #daveramsey #debtfreecommunity #debtfreejourney #debtfree #debtsnowball #debtfreeliving #debtfreegoals #goals #babysteps #daveramseybabysteps #money #cash #hustle #grind #budget #budgeting #moneymoves #knowledge #beweird #lifestyle #ww #planning #mealplanning #budgetplanner #financialfreedom #financialpeace #financialpeaceuniversity #everydollar


8commentNormal

#everydollar photo

#DaveRamsey is offering his #financialpeaceuniversity for free for two weeks! Head over to his website and binge watch his courses before the two week trial ends!


1commentNormal

#everydollar photo


1commentNormal

#everydollar photo

TAKE A MINUTE TO READ THIS: Fact: COVID-19 has shook most parts of the world. What we’re grateful for: Many large organisations have taken upon themselves the task of extending help to all parties involved in battling this virus. WHO’s COVID-19 solidarity response fund is one of the LARGEST supporting organisations to provide monetary help to those affected by the deadly coronavirus. What we ask of you: Glo.community has taken a solid stance to contribute to WHO’s fund. For EVERY BLOG written on glo.community, we will donate $1 towards the fund on behalf of the author. How do we know it’s you: Publish your blog on www.glo.community and write to us on Instagram or send an email to contact@glo.community with your sign up name and blog title so we can accredit the same to you. It doesn’t take a lot to put down a couple of hundred words for a good cause. Write about what you believe, topics that interest you, about fashion or entertainment, political or personal views, about fitness, health, education or you know, about COVID-19. For more details log on to www.glo.community #glofightscorona #everydollar #writersofinstagram #writetoheal #writerscommunity #writeforacause #writerswrite #writeaway #covidkindness #covidindia #coronafighters #fightcorona #indiafightscorona #coronachallenge #quarantinechallenge


0commentNormal

#everydollar photo

There are still 40-ish hours to donate to my @feedingamerica fundraiser! With every dollar of your donation, Feeding America can feed up to 10 people. Every dollar matters 💗 . There are many ways to be a hero. Some serve their country in the military or in public safety. Some serve the front lines of COVID response like our EMT, nurses, doctors, hospital janitors, and other medical staff. And some of us donate to provide meals for Americans who desperately need food. . For those of you who have donated already, I sincerely thank you! You are a true American patriot - showing your love of country by loving its citizens. Thank you 🇺🇸 . See the link in my profile to donate today. . Be well -Bev #heroes #thankyou #feedingamerica #beahero #donatetoday #everydollar #everydollarcounts #helpeachother #foodinsecurity #fundraiserevent #fundraisingevent #giveback #beahero


3commentNormal

#everydollar photo

There are still 40-ish hours to donate to my @feedingamerica fundraiser! With every dollar of your donation, Feeding America can feed up to 10 people. Every dollar matters 💗 . There are many ways to be a hero. Some serve their country in the military or in public safety. Some serve the front lines of COVID response like our EMT, nurses, doctors, hospital janitors, and other medical staff. And some of us donate to provide meals for Americans who desperately need food. . For those of you who have donated already, I sincerely thank you! You are a true American patriot - showing your love of country by loving its citizens. Thank you 🇺🇸 . See the link in my profile to donate today. . Be well -Bev #heroes #thankyou #feedingamerica #beahero #donatetoday #everydollar #everydollarcounts #helpeachother #foodinsecurity #fundraiserevent #fundraisingevent #giveback #beahero


0commentNormal

#everydollar photo

After posting some big wins in my debt payoff, I think it’s only right to show the day-to-day life I’m living. Here’s an annoyance that I’m living with so I don’t have to pay money for new socks. It’s all about balance. • • • #daveramsey #babystep2 ##debtfreejourney #debtfreecommunity #everydollar #debtsnowball #financialpeaceuniversity


25commentNormal

#everydollar photo

Budgeting doesn’t have to be a hard or overwhelming task. Join my Facebook live (@MKFinancialcoach) tonight to learn tips and tricks to make monthly budgeting fast and easy. If you have a question but are unavailable to watch tonight feel free to to go to the link in my bio and schedule a free 15 coaching call. #budgetbasics #debtfree #financialfreedom #budgeting #risebusiness #everydollar


1commentNormal

#everydollar photo

If you're self-isolating that chances are, you're probably spending more time online than ever before. If you've been saving for your first home, don't let online shopping distract and derail you! ⁠ ⁠ We've got some tips to keep your budget on track:⁠ ⁠ 💰 Unsubscribe from e-newsletters that aren't serving you. A lot of businesses are holding impromptu sales at the moment and the temptation to spend is real! ⁠ ⁠ 💰 If you're considering an online purchase, sleep on it! Consider if it's something you need or something you would purchase if you were in a different position⁠ ⁠ 💰 Take time to remind yourself what you're saving for. Print out or cut our a photo of your dream home and put it somewhere you will see it. Sometimes, our goal can seem so far away but having those daily reminders will help you to stay on track⁠ ⁠ 💰 Review your finances. If you have a gym membership, there's a good chance that's on hold at the moment. What other expenses have been temporarily reduced or suspended? This may actually be a chance to reduce your expenses⁠ .⁠ .⁠ .⁠ .⁠ .⁠ .⁠ .⁠ .⁠ #inovayt #inovaytwealth #inovaytfinance #melbourne #mortgagebrokers #mortgagebroker #financialadvisor #finances #budgeting #onlineshopping #expenses #debt #bankaccount #savings #online #budget #budgettips #budgetinghelp #everydollar #millennial #shopping #wfh #shoppingaddict #investments #cash #workingfromhome #freedom #financialfreedom #personalfinance


0commentNormal

#everydollar photo

🙌🏽 I am so grateful to be able to work during this time. As busy as we are, I wouldn't trade it simply based off how essential our services are during this pandemic. I know others may not be so fortunate and want you to know this too shall pass! 🙏🏽 March totals are in and I have to admit, this is blowing my mind! 💢 Part of making this page was to hold myself accountable during my #debtfreejourney. I was very dave-ish for a while and was spending more than I needed to. The minute I changed my mindset, I changed my life. With my mortgage, I sent over $3K to debt and have my car loan in the low $2Ks. I'm a Leo and a goal getter. This is proof that I can do anything I set my mind to - You can too! 😉 I sent more to my car last month than I did in February and in Feb, I sold another car! I'm being so intentional about my money and so ready to be done with this loan forever. Here's to dancing in the rain 💃🏽🌦 When fear and uncertainty are trying to take a lead in our lives, let's show them faith and determination ALWAYS WIN! 💯💪🏽 · · · · ·#debtfreecommunity #dfc #debtfreejourney #debtfreedom #debtfree #debtfreeliving #babystep2 #daveramsey #personalfinance #financialfreedom #financialpeace #payingoffdebt #budget #budgeting #everydollar #debtsnowball #focus #goals #moneygoals #finance #momblog


4commentNormal

#everydollar photo

Remember you are an investor, not someone who can predict the future. • No one knows what the market will do. Only you know your situation and what you are willing to invest. Base your decisions on real facts and analysis rather than risky, speculative forecasts. • Remember you haven’t lost anything... until you sell.


1commentNormal

#everydollar photo

On Sunday I hosted an IG Live covering the stimulus bill and my tips for managing your money during this time. The night before I had a FaceTime date with 2 of my best friends @mati_22 and @yovii and told them I wanted to do 2 $50 cash giveaways for those that tuned into my Live - funds that could help cover a utility bill, cell phone bill, food, etc. My friends then said they’d like to each contribute $50 for groceries / household items to someone that has recently been affected by COVID-19, specifically someone that had recently become unemployed. ⁣ ⁣ I announced the 2 winners of the ZBB giveaway during the Live (and picked a third winner because I was so touched by what they had to say💞). I said I’d choose the other 2 winners after the Live so people could share about their situation on my Stories. That’s when something incredible happened ... ⁣ ⁣ Without me ever asking, the donations started pouring in. My family, friends, clients, and ZBB Fam demonstrated great acts of generosity and we raised approximately $1,500. 💰 Enough to cover 30 gifts of $50 🙏🏼 What started as a plan to do giveaways for 4 people grew to 33 gifts 🎁 ⁣ ⁣ This couldn’t have happened without your support, thank you 💜⁣ ⁣ 👉🏼To those that are still interested in donating to our community, and to those that unfortunately weren’t selected this time around, we’re just getting started 😀 Stay tuned 🙌🏼⁣ ⁣ #budget #budgetcoach #debtfree #debtfreecommunity #debtfreejourney #debtfreeliving #debtsucks #everydollar #FIREcommunity #entrepreneur #earlyretirement #financialfreedom #minimalism #latinalawyer #latinaentrepreneur #lawschool #studentloans #personalfinance #wealth #womeninmoney #zerobasedbudget #zerobasedbudgeting #ZBBposts


41commentNormal

#everydollar photo

Develop good habits and they’ll be hard to break too.⁠ ⁠ How do you develop good habits? Start small!


1commentNormal

Next Page