#debtfree

Life is not a problem to be solved, but a reality to be experienced. What we think determines what happens to us, so if we want to change our lives, we need to stretch our minds. Life isn't about finding yourself. Life is about creating yourself,let’s all win. 🌹 🎉📊📈🎁🚀💯⚡️📉⛽️ . . . #binaryoptions #forex #celebration  #financialfreedom#entrepreneur#networkmarketing#entrepreneurlifestyle#entrepreneurship#businessowner#residualincome#businessopportunity#ownboss#extraincome#makemoney#networkmarketer#laptoplifestyle #marketing#internetmarketing#onlinemarketing#income #debtfree#getpaid#homebasedbusiness#affiliatemarketing#luxurylifestyle #luxury #money#grind"


0💬Normal

👏👏What an exceptional day! At the break of dawn we serviced one of Chicago's very own..."Aja McClanahan". We had a front row seat to hear her speak about "Money". ...Debt freedom, saving, investing, and other ways to develop income streams. Thank you for your seed. 🌷 #principlesofincrease #debtfree #hairstyles #makeup #hairgoals #blackhair #beautywithintranscends


1💬Normal

$9 into $102.45! Not too bad from the last few days of ebay sales. I’ve definitely noticed a difference since changing my account to a store, & listing more! The main reasons were for listing more & also the holiday settings which will be helpful when I’m away over Christmas & nearly all of Feb. Means I can put my store as ‘away’ or hide my listings instead of ending everything & re-listing 😌


5💬Normal

Next stop: 60%! 🤓


1💬Normal

Focus on your goals. Don't look in any direction but ahead.


2💬Normal

This is so today after a very busy full on week, roll on the weekend is all I say


1💬Normal

Thank you, #debtpayoffplanner !! You are always way more excited about my progress than the student loan providers! 🎈 🎉🙌💪


4💬Normal

All smiles today! Except Covergirl.. She is 💯% that chestnut mare🤣 • • Also, Honeydew is a monster. A beautiful monster. Carry on. #BIGGIRL 🍝🍕🍟🍯 • • #aqua #chestnutmare #redmare #mood #cowhorse #dunquarterhorse #quarterhorse #barrelhorse #barrelracer #marestare #mares #girlpower #yearling #equine #horsetraining #debtfreecommunity #debtfreejourney #debtfree


1💬Normal

BAM!! 🔥 Another one bites the dust! 💪 ☀️


4💬Normal

We save up all of our cash back and rewards until the end of the year and use them for #Christmas. Here’s how we did this year. ————————————————————————⁣⁣ #debtfree #debtfreejourney #dfc #debtfreecommunity #debtsnowball #budget #teamsmallshovel #zerobasedbudget #babystep2 #daveramsey #minimalistjourney #declutter #GasMoney #FetchRewards #Ibotta #FieldAgent #Shopkick #GetUpside #Rakuten #Ebates #SideHustle #financialfreedom #finance #frugal #frugalmom #SinkingFunds #Savings


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💡Follow @bossmillionheirs for new business ideas, inspiration and motivation. ________________________________ Get a copy of my FREE e-book and Learn How to Turn Debt into Wealth!💰(link in bio)


2💬Normal

My mission in life is not merely to survive, but to thrive; and to do so with some passion, some compassion, some humor, and some style. Change is the law of life. And those who look only to the past or present are certain to miss the future. Ready to make it and quite holding on to past experience and make the best out of life by staying open to opportunities, trade binary and Gain financial freedom. DM me for more info.. The success of my client, is my source of JOY📊🙂🎯📊💯💸💷 . . . #financialfreedom#entrepreneur#networkmarketing#entrepreneurlifestyle#entrepreneurship#businessowner#residualincome#businessopportunity#ownboss #extraincome#makemoney#networkmarketer#laptoplifestyle #marketing#internetmarketing #onlinemarketing#income #debtfree #getpaid#homebasedbusiness #affiliatemarketing#luxurylifestyle #luxury #money #grind"


0💬Normal

There's 14 days between now and our next paychecks! We can potentially send $3000 to debt with our next paycheck! We can do it! No spend starts... now!


2💬Normal

Oh oh...so you’ve moved on and the post divorce dynamic hits a few rough spots...🙄 New post up - link in bio #scc #singlemom #singledad #divorce #debtfree #money #selflove #wealth #goals #success #strongwomen #free #financialfreedom #invest #savings #coparenting #blendedfamily #postdivorce #happiness #newchapter


0💬Normal

A little late, keeping our December goals simple as possible! Between working in the retail industry and Christmas events/activities, December is a busy month for us 📆. What are your December goals? #budget #debfreecommunity #debtfreecommunitycanada #daveransey #decembergoals #budgeting #debtfree #christmas


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💠Jefferson County, Alabama 💠 Civil Judgment - Public Record Removed! ____ Debt holds you back from living the lifestyle you want & deserve to live. Make the choice today to become #debtfree #linkinbio👆 #creditrepair #2020


1💬Normal

Rethink holiday “thank yous”. . . . Instead of tipping service professionals like your landlord and mailman with cash this year, show your appreciation with homemade baked goods. A handful of cookies wrapped in decorative packaging is a kind and cost-effective way to express your gratitude.


2💬Normal

Bitcoin is better money system for a better future Bitcoin cures money problems associated with debt based currencies and fractional reserve banking BTC is the real thing The earlier you start now, the better it will be... Trade bitcoin right away and make huge profits...so you can be among the lucky winner...Make wise use of your time now trading bitcoin and see how bitcoin trade can change your life for the better. Think rich, by investing in bitcoin trade today using Bitcoin and get rich after trading. Invest in binary trade today using Bitcoin and make your life great and better! INVEST now and MAKE money online. #forex #cryptotrading #business #bitcoinmining #tradingforex #bitcoin #futureofmoney #currency #blockchain #financiallife #investments #cryptocurrencies #btc #digitalcurrency #debtfree #investing


2💬Normal

This is one side of the girls room, the quilt cover is discontinued.. However, I have found one practically identical that I’ve purchased & will be using on the other bed in this room. I still need to purchase the paint for the bedside table, a rug & I’m thinking a boho style wall hanging to go in the middle. I can’t wait to show you guys everything because this will be a huge room revamp for under $200! I really hope the girls will love it. I’m actually so excited to see their reactions. • • - - - - - - - - - - - - - - #ItsGotToGo #babystep #babystepone #babystep1 #babystep2 #babysteptwo #daveramsey #debtsucks #debtfreejourney #debtfreecommunity #budgetmom #savingourfuture #debtbegone #bosslady #debtisdumb #StartSmall #BabyStepTwo #BabyStep2 #budgetmum #organisedmum #debtsnowball #debtfreecommunity #debtfree #debtsucks #savingmoney #smashingmydebt #organised #goaldigger #gettingoutofdebt #debtfreecommunityaustralia


2💬Normal

Having a celebratory cold brew from @_toldyouso with @itzerotact for clearing the last bit of pesky debt before Christmas!#horrah


1💬Normal

Breakfast with Santa and Cow at #chickfila. Free picture op. Check your local @chickfila. #christmas #santa #santaclaus #freebies #couponing #couponingcommunity #frugalliving #budgetlife #debtfree


1💬Normal

🖤2016 vs 2019 🖤 . In 2016 I was working out 6 days a week doing HIIT and strength training, eating WAY below my caloric needs and dropping weight like crazy! I was down about 40lbs at this point. But my hair was falling out, my knee was hurting from high impact exercises and I lacked knowledge of how to maintain such dramatic changes . 2019 💓My sister in laws wedding 👰 and I’ve now had an ACL reconstruction, gained 40lbs back and struggling for my knee to feel like my own again. Started low carb/keto and starting to feel in control of myself again. My babies are bigger, my dress size is bigger than then but I felt like a freaking .:: B O S S ::. In that dress regardless of what I may have previously considered “bad” changes . The size on the tag didn’t define me for the first time. Even when I was wearing a size 10/12 I still obsessed over it not being “small enough” . Screw S M A L L. E N O U G H and let’s go for healthy and in control of what we are doing. Let’s find life in what we love and who we are . 🖤 . #sisterofthebride #weightlossjourney #ketonurse #nurselife #nightshiftrn #lowcarbmama #lowcarbrecipes #debtfree #girlmom


1💬Normal

🥰😍🎉AHHHHHH!!!! 5️⃣0️⃣0️⃣!!!! Thank you thank you thank you!!!!! I appreciate each and every one of you that have been supporting me from the beginning And the new followers that have just found me recently! 🎉🎉HOW SHOULD WE CELEBRATE?!?! 👇🏼👇🏼 comment below! #budgetlife #daveramsey #budgetfriendly #debtsucks #budget #financialindependence #savingmoney #personalfinance #frugalliving #budgeting #debtfree #money #frugallife #myfrugalfriend #savemoney #buildwealth #debtfreegoals #debtfreeliving #livingonabudget #onabudget #debtfreecommunity #cashflow #debtsnowball #payoffdebt #frugalmom #cashenvelopes #financialfreedom #debtfreejourney #savings #goals


3💬Normal

💠Before & After Credit Repair Collection debt started at $17,395! Ending debt balance is $1,244! - My client is almost #debtfree ____ Debt has the potential to ruin your sense of security, but you hold the power in your hands to change your financial future! ____ #debtfreecommunity #debtfreejourney #creditrepair #creditrepairbymskay #atlantacreditrepair #gooddayatlanta #gooddayalabama #newlife


1💬Normal

From a cat lover, one of our writers shares valuable life lessons from the three cats she’s currently living with! 1. Be present for someone - provide space for others to cry and feel their emotions without having to worry about being judged. 2. Seek help when needed - cats meow for food when their bowl is empty or clings when they want to be carried. Don’t be afraid to ask for what you need when you need it most. 3. Appreciate what you have - Rather than choosing to be upset, choose instead to make the best of the situation. Like financial markets, life is never linear. Ups and downs are constant. Be thankful! . 🔗Link to full article in bio.⁠ .⁠ ⁠ #financialfreedom #mypf #mypersonalfinance #dreambigdreams#retireearly#debtfree #retirementfund #fundingmydream #employment #cashrich #malaysialicensedfinancialplanner #wealthinmalaysia #personalwealthmalaysia #catlover #lessonsfromcats


0💬Normal

DIY IKEA HACK.... most of you guys know that I’ve moved into a tiny space where I have no storage no bench space nothing soooo I have made an ISLAND BENCH 🙌🏼 $110 spent all from @bunnings Don’t think it’s 100% done might add some skirting and paint the back but for now it’s my debt free bench that makes me so happy 😍 the idea came from @raw_homemade Thank you for sharing Also let’s add it’s not perfectly styled because that’s extra money and it’s not forever, I also used what I had and will make do at least it’s all off the floor 😆 . . . . . #frugalfamily #cashisking #livelikenooneelse #ikeahack #lifehack #diy #diysmallspace #spacesavingsolutions #debtfree #Debtfreeaustralians #debtfreejourney #bunnings #livingonabudget #budgetlife #budgeting #savvymum #organisedmum #ozdebtfreecommunity #sidehustle #payingoffdebt #debtfreecommunityaustralia #frugalaussiemum #organisedmum #organised


7💬Normal

The funny thing about material things is that they are only worth what people are willing or able to pay for them. That's how capitalism works. https://buff.ly/361YXpE⠀ .⠀ .⠀ #materialthings #love #money #value #saving #debtfree #lovingpeople #friends #family #kids #fatherhood #gameplan #budget


1💬Normal

It’s easy to talk the talk but it’s not easy to talk the talk while you walk! Let me put it simply, it’s easy to say something without doing it but we tend to have a problem saying something and meaning what we say wholeheartedly. Let’s practice what we preach baby !


1💬Normal

Trying to save your first $1,000? A easy way to make some extra money is a yard sale! A virtual yard sale is great too! Pick out a few things you don’t need around your house and sell them! #debtfree#daveramsey#debtfreejourney #dollartreefinds#dollartreehaul#budgeting#budgets#babystep2#momlife#sahm


2💬Normal

Me, when my kid says he shouldn't have to pick up his toys because he'll just have to pull them out tomorrow... . . . #debtfreecommunity #debtfreejourney #debtfree #wiseass #kids #love


2💬Normal

It's Day 5 of 25 DAYS OF SAVINGS! Buddy up for a family plan! For subscriptions that have the option, find a way to join – or make – a family plan. The members of your "family plan" don't even need to be your own family. Find some friends – or friends of friends – and make a family plan. If you get enough people on a family plan for cellphone service, for example, you may save $50 compared with a similar individual phone plan. T’is the season to be saving!💰 🎄 . . . . . #TheRebelBroker #business #businessowner #businesswoman #womeninbusiness #entrepreneurship #entrepreneurlife #finance #financetips #financialservices #financialfreedom #financialindependence #entreprenuer #entrepreneurship #savingmoney #savingmoneytips #savingschallenge #retirement #retirementplanning #debtfreecommunity #debtfreejourney #debtfree #lifeinsurance #lifeinsuranceawareness #lifeinsurancematters


1💬Normal

PS I’m not talking about ur eyes. 🤓 What do you want out of next year? What’s the 5 year plan? What are you saving for? What’s bothering you about the planning you’re doing? Is there a plan? 🤷🏼‍♀️ Let’s talk! Xo


10💬Normal

I had a heart to heart with a friend over the weekend about #daveramsey and then found this cracked open at her house tonight ❤❤❤ Cheers to 2020 and some big, scary goals!


2💬Normal

Hey it's me, the mom. The mom who's constantly headed out the door with a bag filled with toys and snacks for the kids. The mom eating chocolate so I don't get hangry because I haven't eat properly. The mom who really needs to clean this mirror. The mom wearing the leggings and a ponytail, again. . . But I'm also Chelsey. Chelsey the business owner. Chelsey the worship singer. Chelsey who has felt crushing brokenness but made it out alive and whole. . . I'm mom, but I'm also Chelsey. Somedays I just have to look a little deeper to find her. . . #ebay #poshmark #mercari  #resellercommunity #ebaycommunity #ebayreseller  #poshmarkseller #poshmarkambassador #debtfree #payoffstudentloans #fashionreseller #sidehustle #poshmarkcloset #ebayfashion #etsyseller #etsy #workfromhomejobs #reseller #sellerstylist #shopmycloset #hustle #workfromhome #sahm #stayathomemom #workathomemom #babysteps #entrepreneur #christianbusiness #momlife


1💬Normal

Want the insights on how to generate another stream of income all from your phone?💰 . Ready to invest in yourself but not sure where to start?🤷‍♀️🤷‍♂️ . Think you got what it takes to be the next great trader?🤩 . Hit the link in the bio to find out more to get started.📈 ________ #sofx #forextrading #forextrader #womenwhotrade #entrepreneur #tradingforex #financialfreedom #poker #gambling #sportsbetting #capitalmanagment #motivation #dreams #vacation #lifegoals #debtfree


0💬Normal

Note to self✔


2💬Normal

Always stay motivated and focused on the goal of improving your credit by clicking the link in my bio to join Credit Club! ⠀ ⠀ We're a family dedicated to improving and taking control of our credit score!! ✊🏾 Join the hustle today!!⠀ ⠀ ⠀ ⠀ #creditrepair #credit #creditrestoration #creditscore #creditrepairservices #tradelines #goodcredit #financialfreedom #money #badcredit #realestate #debtfree #businesscredit #creditcards #creditcard #equifax #fixmycredit #fixyourcredit #entrepreneur #transunion #studentloans #experian #creditrepairagent #finance #realtor #mortgage #credittips #atlanta #loans #inspiration


0💬Normal

It’s been a rough day over here. Little man got sent home again with a stomach bug! Poor guy can’t catch a break! But still no excuse! Got my work out in! Pretty sure there is throw up in my hair 🤷🏻‍♀️ You still have time to sign up for my 12 days of fit-mas! Just message me and I will add you to the group! Let’s count down to Christmas TOGETHER in my 12 days of Fit-Mas FREE GROUP! You will get: 🎁 A meal plan 🎁 FREE workouts each day including the new Barre program! 🎁 A chance to win some awesome giveaways 🎁An accountability group with people encouraging you to do your best! 🎁 Dibs on joining me in my January accountability group! ! #21dayfix #mommagotgoals #missouri #healthylife #newyearnewyou #newyearnewme #debtfree #farmlife #sooverthisseason #joinme


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1💬Normal

Don’t remember the last time I wasn’t eating pizza in my favorite black sweater 💸🛍✨


1💬Normal

Don’t wait until 2020, start now!


1💬Normal

When your friend makes you a beautiful lavender honey latter, you stick to #nospenddecember! Nothing like a good chat over coffee while the kids play! #debtfreeliving #debtfreelife #debtfreecommunity #debtfree #nospendmonth #budget #budgetingisbest #sticktothebudget #personalfinance #financialfreedom #financialsecurity #itsYOURmoney #cashenvelopes #paycash


1💬Normal

Ya girl has a sneaky outfit post 😍🎉 Things have been so full on lately, I start a new job on the 16th, IVF felt like a dream! Ted has grown so much and had his first hair cut. Still got our 5k EF and still being a a shopaholic!


20💬Normal

I trade binary option, i manage account to a formidable profit, i work with the very best organization trading BO/FX trade. we make use of the very best trading strategy which has maintain us with good result which has put the organisation in a better position. I have a win of 80/20 winning rate. And 81% profit rate. With this way we don't lose on trading.Do you know you can get $22,150 in 23 days with an investment of $1000 and $500 can get you $5,500 in 7 days, invest on binary option and Bitcoin trading today,also get a proper account management system with good marketing trends. . . DM me @eric_anthony_trade to get started with your investment. . . . #businesscoach #investment #business #forex #forextrading #grinding #debtfree #debtcommunity #businesswoman #businesstips #entrepreneurship #entrepreneur #businessmen #motivation #businessman #businessowner #success #smallbusiness #businessminded #businessowners #love #entrepreneurlife #marketing #businesswomen #businesspassion #businesslife #hustle #inspiration #motivation


0💬Normal

Added $500 more to savings today. Investing will come soon. 👏👏 Hope you’re having a great month! Keep pushing! 🐌 🐇 No matter your pace, just keep moving forward! PSA : Alma learns about our savings on Instagram. 😂 I click the buttons but we know the monthly goals. It just doesn’t require us both to talk about it as much as some need to. We just do the same thing each month. Save Save Save• #Savings #DecemberSavings #DebtfreeCommunity #Debtfree #Babysteps #Debt #CashisKing #Frugal #BiggerPockets #DaveRamsey #Babysteps #BabyStep7


2💬Normal

#mood😏 ~SHO


2💬Normal

#decadechallenge I can not believe the difference between these two photos. That mark just two specks of time through out the last 10 years. ❤️ Little late to the club, I posted it on my personal, but it just never made it to the #dfc apparently.


1💬Normal

LONG POST ALERT: Some of you may be familiar with the late Jim Valvano. Jim Valvano was the coach of the 1983 NC State national championship team that upset the University of Houston to cap off their unbelieveable tournament run with a buzzer-beater dunk by the late Lorenzo Charles. After beating Houston, Jim Valvano and the NC state squad cut down the basketball nets. It is traditional for all national championship college basketball teams to commemorate their victory by cutting the nets down. Many people may not know that Jim Valvano team actually devoted an entire basketball practice to cutting the nets down. 👏👏👏 They VISUALIZED THEIR VICTORY. Don't wait till you're debt free to practice that debt-free scream! Visualize the joy you will feel on the day that you become financially independent or retire early! Imagine what you will feel on that great day.


1💬Normal

Fact: IBEW was formed in 1891 out of the need for electrical workers to have solid training, living wages, and safe working conditions; thanks to the growing demand for electricity in the changing times. #Innovation #KnowledgeisPower #future #debtfree #hardworkpaysoff #working #debtfreecommunity #jobshiring #jobsearch #chemungcounty #tiogacounty #upstateny #IBEWjobs #unionstrong #union #supportlocal #ny #upstatenyjobs #future #thefutureislocal #hiring #jobshiring #unionelectricians #ibew #IBEW139 #learnwhileyouearn #unionbenefits #renewableenergy #Elmira


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You can always make more money, but you have to discipline your behavior and habits before you’ll start seeing true progress. Discipline is like a muscle...you have to work on it and practice. Takeaway tip: Start picking 1 day each week that you don’t spend a single dollar. Prep to already have gas in your car and food ready. . . . #debtfreecommunity #debtfreejourney #debtfree #daveramsey #financialfreedom #ShumpertFinancial #debtsnowball #financialpeaceuniversity #financialgoals #financialgoals2019 #financialadvisor #financialcoach #financialconsultant #financialeducation #financialeducationservices #financialeducator #finance #financetips #financialblogger #generationalwealth


0💬Normal

Have you seen our Reviews? They all have a common theme of #FIGCARES! Credit Education, Credit Restoration & Motivation are life transforming services offered at Fig Restoration. Every client has a different need & that is understood at Fig Restoration LLC. This client can now qualify for a home based on her new scores! www.figrestoration.com #credit #reviews #community #newhome #realestate #debtfree #businesscredit #creditcards #creditcard #equifax #fixmycredit #increase #goals #2020bride #2020goals #entrepreneur #figcares


0💬Normal

You might recall a very similar picture with a similar amount posted on my feed a few weeks ago. Welp... it happened again. We checked the mail to find a random check for $1,166 from our insurance company. This is now the third round of unexpected money we got back from our refinance! • First, we received an escrow refund from our previous mortgage company. Then, we received a refund from the title company for closing cost overage. Now, we get a check for overpayment of our homeowners insurance! • All of these unexpected refunds are due to the timing of our refinance (which was a total coincidence) and when our taxes and insurance were paid out. Although this all feels like “free money”, we know it’s not. These unexpected refunds are all costs that were wrapped up in our refinance. This $1,166 is now going to be our SECOND extra mortgage payment this month putting our current mortgage balance verrrry close to what it was before all the costs of the refinance. • Although this money is unexpected and a little confusing, we’re STOKED to send even more off and watch our balance decrease 🙌🙌🙌 • • • #daveramsey #debtfree #babysteps #debtfreecommunity #gazelleintense #debtsnowball #budget #debtfreejourney #financialgoals #budgetlife #financialpeace #livelikenooneelse #financialfreedom #babystep2 #babystep3 #babystep6


20💬Normal

We are starting to receive Holiday cards. This is my super simple and inexpensive way to display cards as they come in. I bought a package of binder rings a few years ago and a hole punch. I punch each card and add it to the ring and at the end of the year I have a box to save them in. You can also recycle them if you would rather, if your town allows it. #debtfreecommunity #mortgagefreecommunity #financialindependenceretireearly #holidaycards #debtfree


2💬Normal

This is a general, estimated look at our current debt. I have never shown this to anyone other than my husband and 1 cousin. It's quite sickening and embarrassing 🤢🤦🏼‍♀️ - Mortgage - $60,000 - Home Equity - $40,000 (this is all "consolidated" consumer debt) - Vehicle 1 - $43,000 - Vehicle 2 - $8,500 - Camper 1 - $14,000 - Camper 2 - $21,400 - Chase - $5,200 - Discover - $5,000 - Citi - $2,200 - Good Sam - $700 - Medical Bills - 565 Totaling at $200,565 (ish) 🤢🤢🤢


1💬Normal

Debt Free 🥳 (Besides my mortgage 🏡) _____ We took the Financial Freedom course this year by Dave Ramsey 🤯 _____ I’m naturally a saver. Need my security 🙌 _____ No school loans 🥴 No credit cards 💳 _____ Here’s the TRUTH though- When I had a job, I got a HUGE pay cut after pouring my heart and soul into this company. My boss literally said, “you’re making too much money 💰 😵 _____ That pay cut hurt! I knew I wanted OUT ASAP. I felt suffocated that someone could take my hard earned money whenever they wanted! _____ I started a business. I said YES to everything! Every event. Every training. This was my ticket out! I had financial standards and I wasn’t willing to settle. (I refused to make less than $20,000 a month) _____ I opened up a business card and ran that thing like crazy! People spend so much money on school and come out in debt with no job. (I went to Cal Poly... paid for school out of pocket with 3 jobs 🧟‍♀️) ____ I knew I had to invest. In one of the most scariest financial times, I made the most purchases. I went to an $8,000.00 mentorship event that lasted 5 days! I made that money back in the first 4 weeks 🙌 those 5 days made me over $120,000.00 ____ I jumped! I took a leap of faith! I put in the work! There’s no way I was going to settle and not invest. I got into a little debt to CHANGE MY LIFE. Stop doing the same thing expecting different results 😭 ____ Stop spending money on “things” when you’re in so much debt 😭 being debt free feels better than wearing any purse/shoes/fur coats... you’re spending your money so invest it! _____ Live under your means babe! Wear the same clothes over and over like I do 😆 you’d laugh if you saw my closet and probably cry if you saw my supplements haha (I value health overall) _____ “You’re not broke, you just buy things that don’t make you money.” _____ You’ll never catch me at Lululemon. Wayyyyyy to expensive 😆 anything I have is from Colten 🙏 Id rather give/save/invest than impress 💳💰🙌❤️ _____ #save #money #debtfree #invest #finances #opportunity #smile #financialfreedom #stressfree


14💬Normal

I'm the kind of person who really likes to have balance and symmetry in everything - including my budget. When months like this come along, it can really wreak havoc if you aren't prepared. It took me a while to figure out how to even out the hills and valleys of our finances. We are fortunate that we are self employed and we both receive a salaried paycheck. We know exactly how much will be available every single week all year. Our bills however are all over the place. Some vary every month, some are paid quarterly, and others are annual expenses. So how do we keep from freaking out when the expenses are more than our income? We set aside money for every expense category every week. This is often referred to as a sinking fund. So those three doozies that hit every November for us: annual car insurance, annual house insurance (including an umbrella policy), and annual house taxes (I don't do fall/spring payments), those things are planned for all year long. By time the bill arrives I already have the money set aside. Now I'll start planning for next year. Divide the amount by 52 weeks and round up by a few dollars - 'cause let's face it, they aren't going down are they? For example, the house taxes were $3221. Divide that by 52 weeks and get $61.94, which needs to be set aside weekly. I round up to $65, maybe $70 if I think we will have a decent increase. That's it. I'm budgeting and ready for next years bill when it comes. I do this with all of our expenses. I calculate the annual amount, divide by 52 weeks, round up, and go. Only a couple times did I have the expense climb higher than planned. I "stole" a little cushion in another category to cover the difference and recalculated the budget amount for the next year. With this kind of plan, there's no need to panic when there are loads of money going out the door in one month. Every dollar has been budgeted. I still hate to see the money go, but it must be done. It's one of those wonderful things about being an adult: bills, bills, and more bills.


2💬Normal

Won’t He do it!🙌🏾🙏🏾$26,000 paid off in 9 months!🙌🏾👊🏾🙌🏾Way to go! Join me in celebrating Lyssie 🥳 #repost @lyssiemaria
.
$26,000 paid off in 9 months!!!! The rest of my Student 👩‍🎓 Loans were weighing me down and I finally just HAD enough! .

If you’re super close to me, you’d know that this was SUCH a big goal for me. I told EVERYONE around me bc i wanted people close to me to hold me accountable and SUPPORT me when I felt weak. .

I knew when I ended up taking #daveramsey 9 Week Financial Peace University course that I was making a commitment to my future self. Despite opening the new OVA shop , I was NOT going to let that get in the way of this goal. And I didn’t. That class just made me even more focused and clear minded on my year end goal. I stuck to my guns and never opened a single credit card for my shop and just save and worked harder. I was able to save enough to officially pay off the rest of my Student Loans a WHOLE ✌🏾 Months early even!!
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The lord has been amazing throughout this whole process. I was intentional with my efforts but I was faithful in understanding that he’s got my back! I even UPPEd my tithing during this process. I don’t say that to be obnoxious but I say that bc I firmly believe when I decided to let go and give it to God and have faith he will take care of me - it was purely freeing! . 32 and debt free baby!!!!! Deuces to Debt ✌🏾✌🏾✌🏾✌🏾✌🏾... PAAA-EACE! .


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Hey Guys! Here is a video on how I budget per paycheck. Hope you have started budgeting or have researched a budget that you’d like to try! It’s an awesome tool to use to meet your financial goals. ❤️


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