#love #instagood #photooftheday #fashion #beautiful #happy #cute #tbt #like4like #followme #picoftheday #follow #me #selfie #summer #art #instadaily #friends #repost #nature #girl #fun #style #smile #food #travel #holiday

Happy Thursday!! ☕️ • • • My goal: To make an income while making an impact✨ • • • Have you tried skinnybrew ? It’s so creamy& delicious 😍 Have it hot or iced 😍 DM me so I can tell you how to get 40% off! ☕️ • • • Success at anything will always come down to this: FOCUS & EFFORT. & we control both. • • • • •thinkit wantit getit mylife girlboss makingdreamsreality stayathomemomlife thiscouldbeyou worryfree debtfreegoals

IT'S ACHIEVED! 😳🎉 I had planned to become consumer debt free BEFORE saving $5k but it is what it is. Thanks to my subbie friends DD, J and Rachel for reminding me that I can skip around if need be 😄 cause I was SO SET on paying off this debt that I was ready to leap off the deep end and pay it all off! Savings be damned! Heehee I'm so happy and proud and thankful and ... well you catch my drift 😁 YAY!!!!

Last night under one of my IG posts I described how I felt disappointed with my past financial choices. I could of been so much farther ahead on my financial journey had I done x,y, and z years ago. But hindsight is 20/20. We live and we learn. _ I would be lying if I said I wasn’t frustrated with myself, but I am doing my best to accept where I am now. I’m also appreciative of the knowledge I eventually gained so that I was able to put myself in a better place currently. _ You can’t change the past. But you can change your current situation, which in result will change your future. ✨ _debtfreecommunity debtfreejourney debtfreegoals debtfreeclutterfree debtfreelife debtfreeliving

Day 100: 100 days into the year feels like an important milestone. It’s been a ride but we’ve been making the best of things. I’ve been looking for ways to organize and decorate without creating more clutter, so I’ve been focused on wall organization, wall decor, and paint colors! Things that add a little something without the mess. These are the Sunnnersta rails and Sunnersta buckets from Ikea, they’re a game changer for my toddlers art supplies! They’re in her reach and it’s so much easier to keep things organized in her art area ✨

This morning after my workout, I decided to shower right away, which is a huge step in itself; apply some makeup, curl my hair, and put on something other then workout clothes. And dang straight it felt great even though my date was with my desk and more homework... . . I felt more productive and energetic today..do you feel this way when you get “ready” for the day regardless if going anywhere? . . .dressedforsuccess loveshopping missmyfriends missmyfamily womenincamo camolover momsintofitness momsinbusiness dayofprayer smilingiscontagious innerstrength beunforgettable brunette energydrink makeuplook hairdownforonce biboveralls fashiongoals collegestyle momof3kids stayathomesavelives businessowner financialfreedom debtfreegoals

Do you think it's more important to increase your income or save a few dollars every day? Comment below 💵 or ☕

🤩💛This one is for my debtfreecommunity 😘 How is everyone going with their FINANCIAL GOALS? As of today, I’m at $25,000AUD 🙌🏽 So I’ll just leave mine here for inspiration 🤑 And just in case you're in limbo about any of your goals, short or long-term. Let me remind YOU😘 goals are usually driven by specific future outcomes. A goal is an idea of the future or desired result that YOU have envisioned, planned and committed to achieving. My home deposit is my greatest goal, to buy & own a home (independently). Yes, we’re collectively enduring a pandemic. So I want YOU to know that's it's OK to re-adjust your goals too. For me this means, mentally adjusting mine to no longer have a deadline during this economic recession. It can be as simple as that. However, the ✨MAGIC✨number is to continue saving until I’ve achieved $65,000AUD🙏🏽 That is my goal. homedepositfirsthomebuyer savingsjourney debtfreegoals debtfreechartsThe Art of Wellness, Inspiring Healthy Habits ~ Divina Jamon

Building wealth is not something that just happens by accident. Growing your net worth takes time, effort and sacrifice. But, there are ways that you can strategically use your money to create more streams of income without doing ANY work. Seriously, you can add more to your net worth by setting and forgetting investments that pay dividends! As I mentioned in my story, I am by no means a seasoned investor. I take a DIY approach with the online brokerage @Questrade and I use ETFs to build a diversified portfolio with minimum effort. I'm not the type of investor that's picking stocks and aiming to make a profit in the short-term. My focus is building long-term wealth and I won't be touching for over 30 years, until I someday retire. I'm still learning about investing, which is why I don't talk about it too much. I don't feel confident about sharing my knowledge in this, because I'm still learning here, too. And that's totally fine by me! But, I did want to take the opportunity to share a WTF moment I had when looking at my portfolio the other day. I had income that I didn't even realize was there! There's two parts to this. I know what dividends are and I knew that I was receiving them in my portfolio. BUT I didn't ever take the time to total them up to see exactly how much I was earning and I didn't consider it "income" until now. As I grow my own income streams and my wealth, I'm going to continue to calculate the contribution that my dividends have on my net worth. Every little bit counts, and by strategically investing in stocks and bonds that pay dividends, you can create a completely passive income stream for yourself NOW to build your wealth, and later, to perhaps even live off of. I'm going to be continuing to research investment strategies and refine my own portfolio to maximize the money I'm investing into it. I encourage you to do the same and learn whether investing in dividend yielding investments is the right choice for you!

This.Is.Us. Bare and hairy faced! Our shelter in place and quarantined look aka we are Team Rodriguez! We have some new followers so I figured it was time for us to reintroduce ourselves. ⁠⠀ ⁠⠀ We are Brandy and DJ and we have two daughters that are 14 and 4 years old. Keep us in prayer y'all :) We live in the suburbs right outside of San Antonio, Texas GoSPURSGo⁠⠀ ⁠⠀ We met when we were 20 years old in college. I thought he was sooooooo FINE but I wasn't trying to holla 😜 I also thought he was black and puerto rican. He is neither. Our relationship has had many highs as well as lows. ⁠⠀ ⁠⠀ When we were younger money was a HUGE problem in our relationship. We fought constantly about money and bills. I'm team Dave Ramsey he is Team Dave RamseyISH! ⁠⠀ ⁠⠀ I feel like I have been on this debt free journey FOREVER. But not really. I took FPU at church in 2010 I was focused but not real focused. I paid stuff off then I went back to my swiping ways. In 2015, we decided to ATTACK our debt. Since then we have worked 4 side hustles to help crush our debt and we are almost to the finish line. ⠀ ⠀ Share something about you below 👇🏾⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ⠀debtfreecomunity babystep2 budget debtisdumb cashenvelopes payoffdebt debtfreejourney financialfreedom sidehustle financialpeace debtfree2020 financialgoals debtfreegoals sidehustles studentloandebt cashisking⁠ biracialcouples thisisus interracialmarriage⠀

When life returns to "normal", (my guess is late June), 94% of people will go back to the way things were 1) Hating Mondays and counting down til the weekend 2) Losing their money due to poor spending habits 3) Not preparing for the future 6% will return from Quarantine better and stronger through 1) New learned skills and trades 2) Positive wealth building habits  3) Investing in themselves and in their future days to comequarantine financialeducation debtfree coronavirus covid19 savingmoneytips savingsaccount debtpayoff invest financialgoals personalfinances livingonabudget emergencyfund budgetlife #financialsuccess debtfreegoals financialpeace debtfreedom debtfreeliving networth financialindependence moneymanagement finance money financialplanning savingmoney debtfreecommunity payyourself

💡So my husband had an ah-ha moment Today!⁣ ⁣ While getting ready to make our extra debt payment he noticed my Navient payment was due to come out of April 10th's paycheck but as we all know student loan payments have been suspended. ⁣ ⁣ So we decided to add what would be our regular monthly payment to our scheduled extra debt payment. In that moment my husband realized that my payment of $112.26 will not be split between all 8 loans, but instead all go towards our targeted loan (loan 3).⁣ ⁣ Normally only $10.70 would go towards loans 3. ⁣ ⁣ This means we will pay off student loan 3 faster than planned!⁣ ⁣ Now to start crunching the numbers to recalculate our debt free date! 📝⁣

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Ooooooooh this was the segment on the news! . . The clip of me in my car and look at that belly pushing out! 😂😩 . . Pretty dope! . TBT! . I am working through the RONA quarantine to build the course and develop resources for you!! . . Almost there! . Thank you again to @peblicite for my new brand colors and designs! . Announcement coming soon! Webinar! . .debtfree debt DebtFreeCommunity debtfreejourney debtfreedom debtsnowball debtfreeisthenewsexy debtisdumb debtfreeliving debtrelief debtzero debtfreelife debtfreeAF debtsucks debtconsolidation DebtCreditRepair debts DebtElimination debtslave debtfreegoals debtmanagement debtsettlement DebtSucksUniversity debtfreeholiday DebtReview debtcollection debtcollectors debtcrisis debtfreechristmas debtslaves.

It’s CreditThursday 🥳 *throws confetti*⁣ Swipe right to get the answer ⁣ How often do you go on Credit Karma and check out your “score” and it’s different between the two bureaus? Why is that?⁣ ⁣ Great Question!⁣ ⁣ Most common reason why is because the information on your credit report varies across the credit bureaus. A score can only be generated based on the information available on your credit report.⁣ ⁣ One thing you can do to make sure your not blindsided when your making major financial decisions is to make sure you are aware of the information reporting on all 3 of your credit reports.⁣ ⁣ Don’t get caught slipping? 👀🙃 Have you noticed a major difference between your credit scores? What’s one new thing you’ve learned?

👋 Hello, hi, howdy. ⁣ ⁣ Lots of new followers recently, so I thought I’d introduce myself.⁣ ⁣ 🙋🏻‍♀️My name is Rhiannon. I’m an opera singer, mum, greyhound owner, teacher and wife. To my great surprise, I am married to a Vicar. Most people I know are totally confused as to how I ended up married to a Vicar, as am I... Luckily, he’s the kindest, cleverest man I have ever met, and he’s got a peachy bum, so it’s all going to work out.⁣🍑 I make videos about personal finance and eco living and try to make it fun (don’t run away, it really can be fun...) ⁣ 👰When we got married in 2015, we had just under £30,000 in consumer debt. This was a large car loan🚘, a ridiculously expensive sofa 🛋, and we dipped in and out of credit cards and overdrafts💳. At the time my husband was in the British Army as a chaplain, and I was singing for Glyndebourne (a fancy-pants opera company near Brighton). We were both earning good money, but I knew in a couple of years he was going to take a 50% pay cut and I’d be taking a bit of time off in order to produce some offspring. Cue panic...⁣ ⁣ 🤷🏻‍♀️I knew we needed to get out of debt and save, but I had no idea how. The Vicar was fundamentally uninterested in the finer workings of our bank accounts, and I was a massive spendthrift and had never managed to save anything in my adult life. Long story short, I got EDJERKATED on money, got my husband on board, followed the Dave Ramsey babysteps and here we are... debt free and saving/investing our knickers off!⁣🩲 ⁣ 🌱🌎I’ve always been a bit of an eco-warrior and we’ve found that living a frugal life, fiscally and environmentally can totally go hand in hand. The more we look after our finances, the more we look after the earth’s resources. WIN WIN. So much winning, I can barely cope some days...⁣ ⁣ 👨‍👩‍👦🐕Since 2018 we have been four, Rhiannon (me), Brutus (the Vicar), Oberon (the baby/piglet) and Zarziyr, Prince of Darkness (our rescue greyhound.) We live in glorious LONDON with an assortment of lovable lodgers. . Who are you? Why are you here? Are you an eco person, a money person or someone with a Vicar’s wife fetish? Don’t be shy, say hi 👋

🎓So, this beauty came in the mail a few weeks ago!!🎓 Three things I’m proud of: 1. I am officially finished!! Done!!! . . . 2. I graduated with honors😬 . . . 3. Thanks to the military, this degree does not leave behind any additional student debt!!!💃🏾💃🏾💃🏾 . . .student studentloans studentdebt babysteps babystep2 debtfreecommunity debtfreejourney goals debtfreegoals goalsetting goalgetter goaldigger debtfreeliving debtfreedegree debtfreeaf debtfreelife debtfreelifestyle debtfree2020 debtfreefuture shotouttogod

There is no finish line in your financial plan (or in life). Do you agree? If you are building something that is intended to stop, you will never be truly happy with the journey that you are walking. When we think "financial freedom," how would you feel knowing that this freedom had an end date? Yeah, we agree. That's because when we are building something that is intended to give us freedom, stopping shouldn't be part of the game plan. Creating something that lasts for the duration is what seeking freedom is all about. Join our community to learn more. (Link in bio) moneymatters moneytalks moneytips moneygoals moneymaking freedom familyfirst entrepreneurtip entrepreneur clickfunnels funnelhacker financialeducationmatters financegoals personalfinance financialpeace debtfreegoals retireyoung passiveincomelifestyle

Thanks @nathalia_saves Don’t forget to wash your hands 🧼 🌸Store prices may vary depending on your location. 🌸Make sure everything in your cart adds up to $25. 🌸Digital coupons are one time use only. 🌸Dont wait until last minute to clip coupons.... They may disappear.familydollardeals familydollarcouponing couponcommunity couponfamily couponfairy couponmom extremecouponing coupon101 couponingforbeginners texascouponer debtfreecommunity debtfreegoals debtfree Amazon Amazondeals Amazondiscount Amazoncommunity couponing couponcommunity Extremecouponing clearance clearancehunter

Tonight we clapped for the nhs/carers/keyworkers every single person who is still out there protecting us🧡. But I never thought i would see the day that I would have to explain to a 4year old why we stood outside and clapped.😥 Why he couldn't go and give our next door neighbour a hug. Why he can't see family and his friends and why he no longer attends preschool and all his other classes. We've managed to get away with it until now which is something. Yano just making up excuses like oh family are working (some still are) or they are on holiday (which they are not😂) at first I explained there was a bug and we had to stay home this epically failed as he wouldn't even go in the garden incase the bug got him💔 I then explained that it couldn't get in through the fence so now he goes outside🤷‍♀️. But tonight tonight was the night he really wanted to know why. So my new explanation is that the drs and nurses are superheroes and are fighting the baddie called corona and so we have to clap to keep their super powers up 😂😂 he really took this well and clapped so loud🧡. I know us as adults are struggling with what's going on in the world right now but it makes me so sad to think that these children have had every aspect of their little world turned upside down in seconds with no warning. Sometimes I think we need to sit back and think about that. When their naughty or not listening. Maybe it's sometimes their coping mechanism for what's going on?🤷‍♀️ I mean sometimes they are just generally little sh*tbags but you get the drift. So next week when we clap again I'm gonna clap for all the kids too because boy do they need it too!🧡 debtfreecommunity debtfree debt debtfreecommunityuk debtfreejourney debtfreeuk debtfreegoals debtfreecommunitysupport debtfreejourneyuk budget budgeting budgetplanning budgetplanner moneysaving moneymaking moneyoff creditcard goodbyedebt credit mumofboys mumoftwo maternity maternitypay maternityleave motherhood staysafe rainbow covid19 clapforcarers stayhome

$0.80 for the loaf, or $0.08 per slice! . This was the best bread we've baked in a while. We followed the Saturday White Bread recipe by @kenforkish and were SO pleased with how it came out. We also got the opportunity to use our new @staub_usa Dutch oven for the first time! . Flour = $0.43 Yeast = $0.37 Salt = pennies

Got debt? Did you know there are simple ways you can pay it off way faster without spending one dime more than you are right now? Let me introduce you to: DEBT STACKING By taking into account the interest rate and amount of debt, debt stacking identifies a way for you to pay off your debts. You begin by making consistent payments on all of your debts. The debt that debt stacking suggests that you pay off first is called your target account. When you pay off the target account, you roll the amount you were paying toward your next target account. As each debt is paid off, you continue this process. Debt stacking allows you to make the same total monthly payment each month toward all of your debt and works best when you do not accrue any new debts. You continue this process until you have paid off all of your debts. When you finish paying off your debts, you can apply the amount you were paying towards your debt toward creating wealth and financial independence! Want help putting together a debt stacking plan? I’ll do it for you for FREE! Or join me in business, you can work part time or full time helping families get on track financially from your living room!workfromhome entrepreneurlife debtfreecommunity financialfreedom debtfreejourney budgeting budget daveramsey money debt personalfinance goals creditrepair finance debtfreegoals debtfreeliving debtfreedom babystep credit frugalliving financialliteracy savemoney studentloans savingmoney babysteps savings creditrestoration debtsnowball moneymotivation moneymoves

My goal 🤩🤩

Tag someone who needs to see this! ⬇️ . . Technology has become an important part of our lives and all of us have been blessed with the gift of gadgets. Since most of us use smartphones, it wouldn't be wrong to say that we don't have opportunities to improve ourselves and become better. Many of us use smartphones for entertainment purposes. However, there are still a lot of people who use technology to learn new skills, help others and earn a living. Our future is in our hands. Are you using your phones to grow? 📱 - - . .successonmymind growthmarketing knowledgeispower📚 onlinelearning elearning successfulminds failurequotes incometips goodhabits knowledgeiskey debtfreegoals failureisnotanoption lovefailures knowledgeable investingtips successinlife monies moneysaver goodhabit moneymotivation flippinghomes moneytalk marketingconsultant multiplestreamsofincome incomestreams marketingestrategico

There’s a lot going on in the world right now. In addition to Covid-19 stress and anxiety, the pandemic has also caused financial stress and anxiety. April is Financial Literacy Month, and right now is a good time to assess your financial situation. Your overall financial wellness depends on many things and the more items you work on the more calmness you will feel. The first step in changing your finances is to commit to change. Find one thing you want to work on and spend time to improve it. For example, if at the end of the month you don’t know where your money has gone, work on your budgeting process. A budget that tracks spending and gives real time feedback is optimal. A great free app to use is EveryDollar. I can help assess your financial wellness and help you come up with a plan. Use the link in my bio to set up a FREE 45-minute Quick Plan session.

Today's lunch... chicken nuggets again 😅 buuut the yummy brand nuggets really aren't bad. 👌 . . Half a box of mac n cheese, 1/4 bag frozen broc, 7 chicken nuggets...total cost of this meal is under $2. 👌 debtfreecommunity debtfreeteacher debtfreejourney

Tag someone who needs to see this! ⬇️ . . Maturity has more to do with your own happiness and peace than any other thing in the world. It's when you realize that you don't need to worry about small things. It's when you understand that the opinions of other people don't matter. Maturity is also when you realize that things that matter to you would come to you, all you need to have is patience. There are many things we do everyday which define what maturity is for us and how are we able to deal with such things. It is also true that maturity comes from experiences and failures and no one can inherit it. It's about how our mindset evolves over time with experiences of ourselves and that of others around is. What is maturity for you? 🤔 - - ⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️ Follow @kh.hustle Follow @kh.hustle Follow @kh.hustle ⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️ . . .debtfreegoals investing successfulbusiness businessideas entrepreneurcoach financeavailable maturity onlinebusinesses myhobbies successonmymind matureman sideincome debtfreedom billionairemindset businessstartups onlineincome debtpayoff entrepreneurinspiration businesssolutions keytosuccess payoffdebt goalstoachieve financegoals successhabits educationloan keeplearning studentloans successfulliving studentloandebt

Are you feeling uncertain as to what tomorrow actually holds? There are a lot of changes on the horizon. Life as we know it has changed, permanently. I want you to be able to embrace this change with peace and support. So I've created a toolbox to help you find resources for whatever it is that you need and desire in your life, to rebuild, recreate and cross this bridge from the live you were living to the life you'll be living in days and years to come. Unprecedented change is happening. We must adapt. This isn't easy to do alone. And you are NOT alone! I am here for you. None of you need to hit a rock bottom. These resources will always be here for you and will continue to grow. My gift is in the financial realm, and I'll continue to share those gifts with you. In my own growth work, I've connected with so many experts in every area of life, and I want to share that all with you. I'll be with you every step of the way! Sign up now and begin your journey through change with me. Link In Bio JulieMurphy.com/Toolbox . .financialwellness spiritualgrowth adapt toolbox awakenyourwealth transformation youarenotalone strongertogether surviveandthrive debtfreegoals

If you are stuck at home you can jump on this webinar to find out how to fix your credit and earn income during this “SHUTDOWN”⁣ .⁣ Comment “link” below or text me for quicker response 201-273-9510⁣ .⁣ 𝐒𝐡𝐚𝐫𝐞 𝐰𝐢𝐭𝐡 𝐚 𝐟𝐫𝐢𝐞𝐧𝐝 𝐰𝐡𝐨 𝐦𝐢𝐠𝐡𝐭 𝐧𝐞𝐞𝐝 𝐭𝐡𝐢𝐬.

I hate feeling confused 😖⁣ ⁣ One of the main reasons I decided to become a financial coach is because I HATED feeling like the only one who doesn’t get it, ashamed that I didn’t have it all together, and unsure on who I should turn to for support and guidance.⁣ ⁣ 𝐍𝐨 𝐨𝐧𝐞 𝐬𝐡𝐨𝐮𝐥𝐝 𝐟𝐞𝐞𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐥𝐲 𝐚𝐥𝐨𝐧𝐞⁣ ⁣ This is why I’m so excited I get to teach this webinar hosted by @queens.company on How to Prosper during Recession! ☺️🥳 It’s going to be so POWERFUL. Click on the Eventbrite link and join me!

I don’t think I’ve done a proper introduction but I figured it’s time since I've gotten so many new followers! 👇 . I’m 33 years old and married to a great woman. We live in Washington state and both work full time. I work in the food industry and she has her own nail shop. I started this account for 3 primary reasons: . 1️⃣To stay accountable during my financial journey 2️⃣To help and motivate others during their journey 3️⃣Communicate with like minded people . My parents weren't good with finances and I didn’t learn about personal finance until my late 20’s. I spent years over spending on stuff that I couldn’t afford but wanted instant gratification. I acquired $110K in debt across credit cards, personal loans, student loans, and auto loans. I decided that I didn’t want to struggle like my mom or work at a job I didn’t enjoy for the next 35 years. So in 2017, I decided to change my mindset towards finances and saying NO. I also found Dave Ramsey’s channel and started to follow his steps. I will admit that I do Dave-ish but I use that as a foundation with some custom tweaks. . I have paid off $72,000 so far and hope to finish off the rest this year. Here are 4 things that you may not have known about me: . 1️⃣I have been skydiving 3 times and plan to go at least 1 more time. 2️⃣I have been to 5 countries including Canada, Mexico, Chile, Argentina and Vietnam. Have a lot more on my list. 3️⃣I love all kinds of music from 80’s hair bands to 90’s hip hop to Bruno Mars 4️⃣I enjoy being active including weight lifting, hiking, mountain biking, swimming, kayaking, camping and racing. . I can’t believe over 700 people are following my journey! If I can inspire 1 person on here then it’s a success. Thanks for the continued support! . Please like and follow!

The 50/30/20 rule is a minimalist budgeting plan designed for people who want a simple way to manage their finances. Here's how you can allocate your monthly take-home pay into three simple categories!

👋🏽 How can I help you? ⁣⁣ ⁣⁣ As the Surgeon General warns us this week could be the toughest week of this pandemic and I want to serve the debttfreecommunity during this quarantine with my superpower. I love teaching and breaking down complicated and frustrating topics into easy to understand steps.⁣⁣ ⁣⁣ 🗣 What is your one biggest struggle when it comes to managing your finances? ⁣⁣ ⁣⁣ ✍🏽 Comment below. Thank you for your honesty.⁣⁣ ⁣⁣ ⁣⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ ⁣ debtfreejourney debtfreelifestyle debtfreeisthenewsexy debtfreelife debtfreegoals personalfinancewomen debtfreedom debtisdumb financialpeace debtrelief debtsnowball budgetgoals savemoney moneygoals goalgetters goaldigger goalchaser chasinggoals setgoalsnotlimits mindovermatter growthmindset biggoals motivationiskey motivationforlife motivationoftheday motivationeveryday successgoals successfulminds

💪🏼 debt repayments as of march 2020 - 💸 i’ve been putting a lot of money every month ($500-$1000) into student loan payments. originally, i’ve budgeted to pay $400 every month at the minimum but have been exceeding that. i’m not concerned about putting extra payments for my car because it’s only 0.9% interest. ☺️ happy to see that i have paid off 5️⃣0️⃣% of my principal for my student loans!! ✨ ❄️ with the interest freeze, i’ll be focusing on paying off as much as I could as well. i’m excited that with every new payment, my net worth is increasing as well (getting more positive)! - 💌 happy thursday! thanks for listening. . . .debtfreecommunity debtfreejourney debtfreegoals debtfree financialfreedom financialindependence financialindependenceretireearly retireearly debtrepayment daveramseybabysteps retirementplanning budgeting

I’ll start by saying if you’re working the baby steps on your debt free journey I strongly encourage you to use the stimulus money to pay necessities, minimums & beef up your starter emergency fund. ⁣You got this! 💪⁣ ⁣⁣ Whether you’re debt free or simply looking for some direction, I’m here to share the breakdown we came up with should we receive the $2,400! I barely know what day of the week it is let alone our 2018 numbers but I feel better knowing we have a plan, just in case. ⁣⁣ We stuck with the three main categories: ⁣GIVE, SAVE, SPEND.⁣⁣ ⁣⁣ 💸 21% towards GIVING (a tithe to our church and a non-profit organization we both strongly support)⁣⁣ ⁣⁣ Note: Tithe’s literal translation is ten. To tithe is to give the first 10% of your income to the church. This year we decided to up this number to 11% and tithing from our stimulus check is no exception. ⁣⁣ 💰58% towards SAVINGS (one of our quarantine goals was to fatten up our emergency fund...score!) ⁣⁣ ⁣⁣ 💵 21% towards SPENDING (we need to help stimulate the economy, after all) ⁣⁣ Our only rule: We can’t save the spending money towards a future purchase. We need to do our tiny part in helping stimulate TODAY’S economy. I have a few ideas in mind but I’m curious what you think?⁣⁣ ⁣⁣ Gimme some ideas in the comments & tell me how you’d spend a stimulus check! 👇 ⁣⁣ ⁣⁣ @prageru @daveramsey ⁣⁣stimuluscheck stimulus economy debtfree debtfreejourney babysteps daveramsey prageru prageruniversity tithe savings savingsgoals emergencyfund rothira spendingmoney cash debtfreecommunity debtfreelife debtfreegoals debtfreeaf debtfreeliving debtfreedom debtfreeisthenewsexy

How has COVID-19 affected you?

🐣Easter Weekend🐣How is it Easter already, I swear it was just Christmas! Trying to stick to some sense of normality with Easter cakes, hot cross buns & a lamb dinner over the weekend! ✨ _____________________________________________________________moneysaving debtfreegoals debtsnowball debtfreeliving frugalliving debtfreecommunity debtfreejourney debtfreelife debtfreeuk debtfreecommunityuk debtfreefamily ukdebtfreecommunity debtfreelifestyle bs2 debtfreedom moneysavingexpert moneysaving ukdebt smallshovel bs2 ukdebtfree ukdebt debtsnowballin babystep2 snowballin debt debtfreelife teamsmallshovel budgetlife

One of the biggest things coaching gives me is 𝐀𝐂𝐂𝐎𝐔𝐍𝐓𝐀𝐁𝐈𝐋𝐈𝐓𝐘! ⁣ ⁣ Accountability for my own health and my own journey! How amazing to have a job that I literally put 𝐌𝐘 𝐡𝐞𝐚𝐥𝐭𝐡 𝐅𝐈𝐑𝐒𝐓!? ⁣ ⁣ The program I am currently doing is the hardest I’ve ever done and if I wasn’t a coach I would probably quit and give into my own excuses! ⁣ ⁣ Having challengers on their own health journey watching me and being inspired by me in turn 𝐈𝐍𝐒𝐏𝐈𝐑𝐄𝐒 𝐌𝐄 ! ⚡️⁣ ⁣ I am not some special super motivated person! I am a normal Mom of two who was tired of being tired and unhappy in my own skin. ⁣ ⁣ I found this amazing community and workouts I could do at home with simple nutrition that gave me 𝐑𝐄𝐒𝐔𝐋𝐓𝐒 and I knew to keep going I had to coach! ⁣ ⁣ 𝐃𝐨 𝐲𝐨𝐮 𝐬𝐭𝐫𝐮𝐠𝐠𝐥𝐞 𝐰𝐢𝐭𝐡 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲? ⁣ ⁣ 𝐌𝐲 𝐭𝐞𝐚𝐦 𝐚𝐧𝐝 𝐈 𝐚𝐫𝐞 𝐡𝐨𝐬𝐭𝐢𝐧𝐠 𝐚 𝐯𝐢𝐫𝐭𝐮𝐚𝐥 𝐢𝐧𝐟𝐨 𝐠𝐫𝐨𝐮𝐩 𝐨𝐧 𝐅𝐁 𝐚𝐛𝐨𝐮𝐭 𝐰𝐡𝐚𝐭 𝐰𝐞 𝐝𝐨 𝐚𝐬 𝐜𝐨𝐚𝐜𝐡𝐞𝐬! 𝐍𝐨 𝐬𝐭𝐫𝐢𝐧𝐠𝐬 𝐚𝐭𝐭𝐚𝐜𝐡𝐞𝐝 ! 𝐃𝐫𝐨𝐩 𝐦𝐞 𝐚 💯 𝐢𝐟 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐢𝐧 ! ⁣

As of tomorrow my husband is officially laid off until May 1st. I have a feeling that they will be shut down longer but hopefully not! We’re in this together 💪🏻❤️ 🌈 YouTube: Budget Queen • Etsy: BudgetQueenShop • Email: BudgetQueen2018@gmail.com 🌈debtfreecommunity debtfreejourney debtfree debtsnowball debtfreeliving debt debtfreegoals budget budgeting daveramsey babysteps babystep2 money cashenvelopes realnumbers budgetwithme cashenvelopes sinkingfunds budgetbinder budgetsheets etsy budgetsheets debtprogress youtube youtuber

Let’s get this debt paid off guys!!! Even if you have to take a break from or if you have to switch up some things, I’m here to offer some mid week motivation. It’s never too late! ✨debtfree debtfreegoals debtfreegonnabe financialfreedom

Credit utilization makes up 30% of your credit score. They say 10-30% I recommend never going over 25% that’s to close to 30% ( 7% is the actually magic number ). - - - - - - comical credithumor creditiswealth creditrepairservices creditrepairspecialist beyonce cardibedit credittips financialindependence smallbusinesstips debtfreegoals debtfree2020 fixyourcredit bankruptcy badcredit rentreporters studentloanssuck studentloandebtfree childsupport medicalbills sallymae tradelines medicaldebt hipaa

Today, i visited my car😅 Anyone else just go to their car and say hi, because SAME. It’s crazy to think 2yrs ago i walked into Mercedes, upside on the car i was driving && was able to walk out with a brand new fully loaded AMG beauty😭 Even more than that, i have N E V E R paid a single payment for this babe out of pocket. Every single month our company adds onto my second check for the month, my auto bonus. You’d think this was for only those at the top of the company, right? NOPEEEE this perk is something you earn at the second rank in our company. When i say not all companies are created equal, i mean it🌿

Frankly Speaking: I also love the commercials from the loan companies— especially the equity loan companies that say, “Become debt free when you take a new low interest equity loan from me and pay off all those unwanted high interest credit card bills.” That’s like loving the beach and hating the sand. bottomlineministries FrankReed credit debtfree creditcards debtfreecommunity debtfreejourney debtsnowball debtfreeliving debtfreedom debtisdumb debtfreegoals debtfreelife debts debtrelief debtmanagement debtpayoff money debtslave financialfreedom entrepreuner money debtfreecommunity ministry love church jesus faith bible family

The recently-passed CARES Act delegates over 2 trillion dollars in stimulus funding💸. This includes some major changes to federal student loans. Docupop has your full breakdown. *Link on @Docupop Facebook page. Docupop⠀⠀ .⠀ .⠀ .⠀ .⠀ .⠀studentloans studentdebt lowerpayment adulthoodproblems loanlife POPYOURDEBT DebtFree PSLF Budgeting StudentLife FinancialStability Budget StudentLoanForgiveness DebtFreeGoals DocupopDocPrep DocupopStudentLoans FederalStudentLoans Incomedrivenplan Studentloanconsolidation LowerPayments COVID19 CoronavirusStudentLoanNews CARESActNews CARESAct Stimuluscash

Where I am saving money during this pandemic: •student loan •buying outside food •entertainment •online shopping debtfreecommunity debtfreejourney debtfree debtfreegoals

THURSDAY RESULTS🔥🔥🔥 I'm excited and happy with this great news! Congratulations to my business partner Montana Xaysana with his 47 points increase. Let me help you, who's next?creditconsultant creditrepairbusiness icanhelp tamiahill debtfreegoals

Yes, I'm getting dressed to work from home. At first it was nice to only wear hoodies and sweatpants to work in my home office. Then I adjusted to working from home 100% of the time and things changed. It's okay to be stunned by the shock of something new. You're allowed to feel all of those feelings. But at a certain point you have to make adjustments. It's for your benefit. So don't be afraid to pick up that new skill or take that course or get out of those sweatpants. You've always been a constant product of change. You're capable of adapting and growing at the same time. I want you to be mentally wealthy too✨

Many times we try to create a perfect product and don't realize that you dont have to release something perfect, but functional. Eventually through progress and multiple iterations you will reach that "perfection". - - - Follow: @a_level_life

Let’s do our May budgets together via IG Live! Sometimes it’s easier to have someone there to answer your finance questions when you are handling your money 💚 . 🎼 @jtthe4th Dreamed Her

Any small business owners here? How are you doing with all the craziness that’s going on? Leave your business below and we’ll follow, like and comment on your posts. A crisis is a perfect time to reevaluate your business and your goals. You have time to step aside and think about your values. What’s important? Is the direction you are taking the right one? What do you do every day? Does it coincide with your true values? It is also time for love, support and coming back to the community. Let us support you ❤️ abundantlife spiritualboss manifestyourlife onlinebusinesstips femaleenergy debtfreecommunity companyofone squarespacedesigner squarespacewebsite femaleentrepreneurs phillyentrepreneur livingmybestlife getmoreclients coachlifeisthebestlife intentionalliving livingthedreamlife positiveliving financialindependence debtfreegoals businesscoach girlboss womenempoweringwomen womeninbusiness communityovercompetition womeninspiringwomen womenwithambition goaldigger creativeentreprenuer creativelifehappylife womenwhohustle

Today I wanted to do something FUN. I wanted to celebrate Spring. When I took Toby out for his morning walk this morning, I noticed all of these beautiful pink Spring flowers popping up all over my property. It inspired me, and it made me feel happy. So, to celebrate Spring, I'm sending out 3 new cash envelopes in tomorrow's newsletter, BUT that's not all. I hear you. Many of you reached out to me regarding using colored ink at home. Some of you don't have the funds to replace ink in your printers at home, and some of you only have black and white printers. So, I'm sending out to variations. One in color, and one in black and white. I want to make budgeting as fun as possible for you, using resources you already have in your home, and without spending more money. I didn't realize how much joy cash envelopes brought to my life until I switched to the cashless method this month. I'm less motivated to save, and it's just not as enjoyable. I'm switching back to being an all-cash spender next month. I miss my cash envelopes, my savings challenges, and the joy and motivation cash envelopes brought me. That said, I will be releasing brand new Spring Horizontal Cash Envelopes to the shop next month. To receive my Friday Freebies, and my newsletter you can sign up at Thebudgetmom.com/subscribe Or click the link in my bio. Who else is as excited as I am about these new cash envelopes?cashenvelopes

This isn’t permanent. We can financially recover. 🙏🏼 debtfreecommunity firecommunity

Making the best of our shelter in place quarantine...

I finally quit my job. I’d always found my job stressful and unsatisfying (and know I’m not alone in that). I knew that I was called to a higher purpose that would let me use my creative muscles and help people. But the job was comfortable and lucrative, my career path a done deal. I’d dreamt of leaving to start my own business for almost a year, but the security and stability (and my past trauma from being brokeasajoke) kept me hanging on. In the months I’ve been off IG, I took a few @xoamandafrances courses wanting to finally bust through the fear and relax my grip. About a week after I set that intention, the last straw finally materialized. The ensuing chain of events made it clear that my company was not going in the same direction I was, so the decision was shockingly easy to make. This path would not have been possible without the stash of savings I built over several years of consistently: -💸 spending less than I earned (even when I was making $30k and had to live in an actual closet - yay NYC) -💳 keeping my debt under control -💰 saving every extra dollar and telling my money where to go Despite having a little FU money, you have to be a little crazy to walk away from a secure 6 figure salary. Thing is, I know what’s coming next is so much better. Even if you don’t want to quit your job and start a business, how would it feel to know that if things become unsustainable at work, you’d be okay? Imagine having a few months to job hunt instead of a couple of weeks. Or being able to weather a financial dry spell as many are now. Imagine being able to hold out for the right opportunity instead of taking the first thing that comes your way because you are desperate to pay your bills. I’m so excited to help you gain that freedom. You *can* do it, and you don’t need a huge salary. You can do it if you live in NYC, LA, Alabama, or the rural Midwest. The first and most important thing to do is simply believe that it is possible for you. Stay tuned 😉

Did you find this helpful ? ⠀ ⠀ An example of calculating credit card interest that can be practical, but the basic principle also applies to other loans such as mortgages. ⠀ ⠀ Follow @healthasset for posts on subjects of financial literacy, and physical well-being.⠀ ■ 👉@healthasset⠀ ■ 👉@healthasset⠀ ■ 👉@healthasset⠀ ⠀financialcoach financialliteracy debtfreecommunity finances debtfreejourney stockmarket wealthattraction healthasset investmenttips dividendstocks financialnews wealthymindset wealthcoach millenialmoney financialindependence financegoals budgetingtips debtfreegoals stockmarketnews financialmanagement

We will give you accountability, hope, and most importantly, your tailored monthly plan to become debt free. Your freedom starts here.

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