Up in the middle of the night feeding my 15-week old son (he’s wide awake! Lol) and decided to check my FICO for the first time in awhile... happy it’s pretty good but I also hope to never finance anything again! (Unless we move to a new house in a better school district so we can save the private school tuition 🤑🤮🤑... that’s the only thing I can see us financing ever again!) #myfico#debtfreecommunity#ficoscore#debtfree
Where's a cheap travel destination? We haven't been away since July (and likely won't until we buy a house!) but budgeted weekends here and there can be worked into the budget! #thefrugalfox
1 1845 minutes ago
Here's an excerpt from my latest article on my blog about immigration; the link of which is on my page. Please leave me feedback, and subscribe get the latest posts first. Happy reading!
In a recent survey by the Federal Reserve it was shown that much of the working age population cannot come up with $400 to pay for an emergency, that doesn’t bode well for the revenues necessary to fund our social programs. An advancing economy, an aging population, and ever increasing need for an acutely educated labor force it's apparent that we need help manning our economy.
Add on to the fact of stagnating wages, increasing household debt, discouraged workers, and the opioid epidemic we need more avenues for tax revenue to help fund our insolvent social programs. With the rate at which these programs are using up the funds allocated to them and the dwindling revenues, it doesn't take an accountant to see that we're going to have some issues down the road.
The immigration conundrum has been politicized but when you look underneath the hood you'll soon find out that this is math problem more than it is a social one. There’s a pool of willing, high skilled, intelligent, and diligent workers from the rest of the world, why must we not take advantage of it?
What's your weakness? .
Mine is Kmart for sure. I had to go in today for something for work but it was so hard not to buy anything for myself. .
They had all their staff unloading the new range which made it even harder! I managed to walk out empty handed but I already want to go back!
3 7an hour ago
The original balance this loan was $2,000. I still owe $1,951 after paying 18 months on these thing. I only owe $49 less than the original amount owed after paying for 18 months! 🤬🤬 that’s insane. This loan stayed in deferment even after I graduated and I let it because it kept my payments lower. So I just let it sit there accruing interest. 🤦🏻♀️ ***this is my next loan I’ll be working on paying off. I still have two payments pending for this month so this one will be my main focus very soon***
Help!!!! I've been MIA the past couple days and been behind on my posts. I've been feeling really overwhelmed lately with trying to organize my life, time management and creating and building better habits to keep up with organization. I don't know where to start and I don't know how to make time for everything I want to do. I'm having trouble keeping up. After work, gym or errands, dinner, shower, getting ready for the next day (picking and setting aside clothes for the next day, prepping lunch, prepping gym bag) and unwinding for a minute I feel I have no time left attack my to-do list and goals.
Do any of you have advice for how to better time manage or organize my life? Suggestions? Tips? There's so much info within the #debtfreecommunity about how to stay on track on our #debtfreejourneys I want to soak it all up and read and try to find a way to implement it in my life. I want to maintain electronic spreadsheets and manual sheets and trackers and planner and financial notebook. I need to streamline everything. Sorry for rambling guys. Help me! #debtfree#debtfreejourney#debtsnowball#daveramsey#babysteps#financialfreedom#financialpeace#financialplanning#timemanagment
Thank you to this amazing #debtfreecommunity for your support, kind words and messages. Had a long chat with the hubby last night and sorted out ALOT followed by a decent 6 hour sleep. My husband has offered to take the personal loan and put it in his name so I don’t have to look at it or be tempted to draw on it. He has always been great with self control so he thought this was the best option to help me get through the next few months and minimise stress. Also I could not believe that no banks would not not let me draw back on extra repayments so we thought the easiet way around was for him to take control of it. We have gone back to the absolute beginning with our accounts and we are going to take the rest of January to relax, collect our thoughts and start the budget again in February. I am going to be honest.......I actually felt like a failure when my husband offered to take the loan. I think at the moment I am feeling like a failure in a lot of aspects of my life especially fertility and finances so I think it’s time I take a breath take a step back, go back to the beginning, reassess and start again. We are still going to throw what we can at debt come February but this time my husband will monitor it and let me know once a month how we are going. We are aiming to have this debt gone by July so let’s see what happens. Again thank you everyone, no one knows me from a bar of soap and the kind words and support I have received really warms my heart and it’s just what I need at the moment. The advice everyone has given has really helped me cope and make non rash decisions 💜 heading to Brisbane this weekend to catch up with family and may even buy a new wedding band if I can find a cheap decent one, true to my luck somehow it feel off my finger and got flushed down the toilet (in my defence I was on strong pain medication after my recent cyst rupture)..... I think the universe wants me to slow down 😔 #debtfree#debtfreejouney#fertilityjourney#debtfreelife#debtfree2018
Yay! This is my daycare bill for the fortnight! 👍🏻 my eldest daughter goes to family day care. Since I am on maternity leave we have dropped her days down to 2 a week from full time care. This is so she still has some socialisation and because she absolutely loves going.
Because it’s FDC, when the carer has time off we don’t pay! Bonus because we aren’t away so my little girl wasn’t going anyway!!!!
Guess where the normal payment is going??!! Yep all to debt!
1 22 hours ago
So....Life, right? #lastpost4monthsago This journey is HARD! I don't talk about it much with anyone outside of my husband and Greenbean (our super supportive adopted mutt) but I have really struggled with anxiety as we have plowed through our debt snowball. After 3.5 years with $1,000.00 emergency fund ( #allthemoneytoourname )we decided to bulk it up a bit for my security glands' sake. We still have just under #$110,000.00 of debt left and with my current income (I just stated my own physical therapy practice) being so tiny at this point in time we need a bit more margin.
Another great guest in Gwen, blogger at Fiery Millennials who is best known for detailed chronicling of her path toward financial independence, from growing up poor to $100k net worth by 25 and now on the cusp of $200k. Hear her thoughts on finances for millennials for free download on iTunes / Podcast iOS or Podcast Addict (android) and online at thewealthyhealthy.co! Follow Gwen @fierymillennials www.fierymillennials.com
Part of our composting toilet showed up! When we made the decision to do a composting toilet I (Adam) saw it as an opportunity to not only save some money over a Nature’s Head or Seperatt, but also to build something ourselves. Let’s face it, there isn’t a lot to a composting toilet and I just couldn’t justify spending $1,000+ on one. This urine diverting unit is made in the UK and is very good quality, plus it was $122 shipped to our door. All in all, our composting toilet should only cost us $175-225 all said and done. Keep an eye out for the build.
Out debt free journey is only part of it. The real goal for us is actually to achieve financial freedom. .
For us, financial freedom means having the ability to spend more time on the things that we want to do, without having to work. People spend over 2080 hours a year on that daily 9-5 grind. Now imagine if you could have that time and have the freedom to spend it doing something you want and/or spend it with people you care about. For some, like myself, love what we do for a living, but honestly, sometimes I'd rather be gone fishing :) rather than being obliged to work making someone else more wealthy than myself. We only have a finite amount of time, why spend it being trapped in a rat race?
My girlfriend and I (or mostly me 😉) have outlined a time line shown here which isn't set in stone but for the most part can be achieved. We are targeting to be debt free somewhere around Sept/Oct 2018. Afterwards, we plan to leverage most of the money originally targeted towards debt to pay off my mortgage at a furious pace and rest towards investments. Of course fun finds will be budgeted as well 😅. The trick here is to spending the leisure money on things that matter. .
Some may wonder, what about factoring marriage, or kids into the mix? The answer is yes, in due time. Assuming the timeline goes as planned, marriage and children I hope will be in the picture but will be planned and budgeted accordingly. It will definitely stress the budget, but the key thing to understand is to put efficient use of the money that we already have and money that we'll earn. That means putting money in stable growth investments/stocks and also taking some calculated risks with huge potential upside, and minimizing buying unnecessary items. That doesn't mean we won't have fun(vacations), it just means we'll have to do activities that makes us happy without breaking bank.
And what about death. Well, we can only play the cards we’ve been dealt. Besides, the average human life expectancy is around 75+ years. Never mind that, the length of my life is not what concerns me most, but the quality. 10 years of roughing it out with potentially 40+ years of freedom, I’ll strive for that.
2 253 hours ago
This was the balance of our current debt item a month ago. We got gutsy, stepped out of our comfort zone, and made a large payment to wipe out this student loan. Bye Great Lakes 609! 👋🏼 Great Lakes 617, you’re up next!
I want to quit my side hustle... I’m exhausted. My workload at my main job has doubled and I can’t cope. I find myself always getting my partner to call in sick for me because I’m just too tired to be out till 11pm at night. To me it’s not worth it at all.
17 283 hours ago
When you try something new,
You’re learning new things along the way.
Day 2 lessons:
•my booty can get super sore during a workout! • I am eating enough food and I feel full and energized throughout the day!
BUT my post workout mea is before noon so my choice isn’t my favorite ;(I can change that though!) • I could use my superfoods shake as chocolate to dip STRAWBERRIES in, delicious and healthy — this was seriously the BEST discovery today! • I LOVE eating a meal before working out. It is super helpful - especially since they are 40-60 minutes long (I have NEVER done this in the morning, except maybe grapes or something!)
3 133 hours ago
Hey anyone would like to learn how to pay off a 30 yr mortgage in 5-10 years without adding a penny to the payment? This even applies to student loans, car loans... *Anything Amortized*. This strategy can be used on rental properties so you can free up cashflow quicker! 2/3 less time and interest!
I got a workshop that I'm attending this Saturday... I want to pick 10 people here to pay for their seat for the online broadcast of this LIVE Workshop. The Workshop is from 9am to 5pm (with lunch breadk) here in Chicagoland and it'll be aired online. To sit in on the online workshop is $50 but I'm willing to cover it.
If you guys want to register, the link down below!
#velocitybanking#debtfree#realestate#enrepreneur#boss#financialfreedom #2018 #chicago#successsecrets
3 83 hours ago
I had my highest pay check yet 🙌 from my business this month and did something I normally struggle to do & certainly no longer enjoy doing- I went shopping & spoilt myself!! While this may seem like no big deal to some it may even be the norm for others, for me this was huge! Those that know me well know that for years I have shopped for second hand clothes, books toys etc for myself & my family from garage sales, car boot sales & op shops. I have no shame in this & am actually pretty nifty at it 😉! I don’t buy crappy run of the mill stuff, I’m that lucky person that finds all the kids and adults like new designer labels, all the gorgeous home wares from the ridiculously expensive stores at a ridiculous price ☺️(I am the envy of many of my friends for this skill 😉)
For years I did this as buying everything new just wasn’t an option. I saw my doing this as my way of contributing and saving money whilst I was a stay at home parent and we struggled financially to make ends meet.
For someone that used to LOVE shopping-and I mean love (pre marriage & kids!!) I actually grew to hate it and would often walk into a shop then literally straight back out. SO.. for me to actually have the means to go shopping and not feel GUILT about spending money on myself was HUGE! I even resisted the ‘do you really need it Lesley?’ thoughts that usually creep into my head!
I actually enjoyed it and had the most beautiful staff serve me in every single shop I went into. Perhaps they were responding to my unusually happy, cheery disposition whilst shopping for myself ☺️Who knows! What I do know is this - This business is giving me more and more freedom in so many areas and I am so grateful for it all and so glad I took a chance on it after saying no for so long! After all... I had nothing to loose..everything to gain! 🙏🙏 Bigger things are coming!!!
You CAN achieve your financial goals this year, but it won’t happen by accident... One of the best ways to reach those goals is by joining Financial Peace University. @rachelcruze and I want you to tag ONE friend below and you BOTH could win a 1-year FPU Membership! Tomorrow, our team will randomly choose 10 pairs of winners! 🤗
11399 75548:26 PM Jan 8, 2018
Wow! What an awesome response to our Financial Peace University giveaway!! For those of you who didn’t win this time, we still wanted to give you a special offer. Click the link in our profile to get $10 off the normal price and start achieving your 2018 goals TODAY! 💪
Happy Friday! We’ve completed the switch from cash clips to cash dividers. 😉
We withdraw cash each paycheck (paid every other Friday) to manage areas in our budget that we tend to overspend on - before we hit the ATM, we budget every cent we received that payday and give it a job (via spreadsheet). 💸
Category totals listed here last till next paycheck, two weeks worth. Remember, we do not go scorched-Earth over here. We believe it’s alright to spend a bit if it’s budgeted for, and paid in cash. We will still reach our goal of paying off our cars by end of year! 👋🏽🚙🚗
The beer budget keeps my husband on the journey, and the beauty budget keeps me on the journey (restock of essentials, products, supplies, and saving for next hair service). 😬🍺
This paycheck we budgeted in some fun, literally. As a family, and with a couple we consider family, we’re going to catch a UNLV basketball game. 🏀
The miscellaneous category is for household items or anything that may pop up. There’s always something that happens unexpected or something we need unexpectedly, so we have this cash here for that.
There’s also a new lunch category. We’ve budgeted for a lazy meal day. If we should decide to use it, we may have a meal out. 😋
Challenging ourselves not to spend the full amounts in each cash category!
Wallet: Macys.com (Calvin Klein), purchased with a Christmas gift card for $39.20 originally $98.
Cash Dividers: from @thewoodistrict
We did it!!! After paying off over $20,000 in debt it took us only one more year before we saved enough cash and used enough patience that we FINALLY bought our first house! We got the keys last Friday and will be moving in on Saturday! 🏡 🏡🏡
I was thinking of doing a house tour once we were moved in but then I had a few people recommend doing a tour before AND after we move on. What do you want? Let me know in the comments. 😘😘😘
We have already installed can lights in the living room (thanks to the help of an amazing friend!), made adjustments to the kitchen so we could install our fridge we bought on an amazing Black Friday deal @loweshomeimprovement put a new fan in the guest bathroom, my amazing brother in law fixed our gas line for our dryer, and we replaced the lighting in the boys bedroom. I can’t keep my mind from thinking of the millions of projects I want to start right now!! 😂
305 24276 days ago
It's all about letting the positive momentum carry you forward! Anybody just starting their journey recently and already paid something off?
8 2284 days ago
Great tips via Bill Gates!
Tag an entrepreneur who should see this👇