I may be the most enthusiastic tender of the tiniest garden patch in the country. With limited space, every year is half science project, half botanical adventure. This year I’m affectionately referring to the plan as my #gazelleintense garden. Instead of tinkering around and spending tons of money (I spend ~$500 a year on plants!) on experimental plants that may or may not be fruitful, I’m going with what I know grows ...and, more importantly, what I know will trim some extra off my weekly grocery bill. A few patio tomatoes and heaps of herbs: two of the biggest budget busters on my weekly shopping list. // Do savings factor into your garden planning? If so, leave a comment below and let me know. 🌱👩🏻🌾
Allow me to introduce myself. In my younger years I made money mistakes like most people do. Luckily those consumer debts were never outrageous amounts that I wasnt able to pay my way out of with a little grit. I've been able to live more intentionally the last 6 or so years and save a good cushion for emergencies. I also started to bump my retirement investments in the last couple years. I never worked on Baby Step 2 because I always figured my student loan debt would be around and in this day and age it's "normal debt". They've been a cause for great stress since I started college in 2004. For 14 years! I'm over that stress! Kicking back to BS2 to really work towards financial peace.
2 217 minutes ago
Today my hubby brought home a pint of ice cream for myself and my son and I bought a $5.00 shirt on eBay that I wanted so much. Since being serious about this journey, I’ve been really strict in not giving into these temptations. It’s hard not to feel guilty sometimes when you scarf down a butt load of ice cream or buy a shirt when you know you obviously own clothes already but a balance. A treat. A just keep on going but make sure to enjoy life along the way. (By the way my ice cream flavor was “Blueberry Pancake”... omg 🤤🥞) #debtfreecommunity#debtfreejourney#debtfree#debt#babystep2#quotes
Another student loan disbursement for academic year 2018... I got my debt down down to $11,852, now I’m back up to $18,123. *sigh* It’s okay... once I’m done with my BSN, I’ll have a bigger shovel 💕 I got two more disbursements to go for AY 2019 then no more adding to debts!!!! #Sacrifice
1 1223 minutes ago
Wishing the happiest of birthdays to Beth @onamsn ❤️🙌🏼🎉 Cheers to another amazing year! #WeSweep
2 1525 minutes ago
The seriousness of tackling my debt and becoming financially stable is very important to me when it comes to my self care. Thank you @brokeonpurpose for my envelopes to help me on this journey.
I know that it’s not going to happen over night but being committed and disciplined is very important to me.
Dream It Believe It and Walk In It!! #debtfree#financialfreedom#brokeonpurpose#savings
I swear I find the talking Jessie once every couple of months... I decided to just price this one at my lowest I’d take and remove the best offer. I think I’ll leave the best offer on for certain categories like clothing. For things like toys and video games I’ll price those at the lowest I’ll take and just run some flash sales every now and then. #toystory
We got our second skylight put in today. The sun was shining in WA. The skylights make a big difference in the interior lighting. What do you guys think? Are you putting skylights in? Or leaving the emergency hatches?
1 2137 minutes ago
Honesty hour: giving does not come naturally to me. I’ve spent so many years being close-fisted and since being saved and finding the @daveramsey program, for the first time I want that to change. One of my written goals at the turn of 2018 was to cultivate giving. I’ve been praying and looking for opportunities to give and then following through on them. Tonight I was led to do some giving even though it cost $15 that I didn’t have budgeted. But I did it anyway. I feel like God is working in me and preparing in me the heart of a giver while we walk through the baby steps. He’s teaching me contentment & peace while reminding me to give. I want to work through baby step 6 as fast as I possibly can. I want it SO BAD, I don’t even have the words, it’s so deep. BUT — I think God is building me up first. Preparing me to be ready for baby step 7. So that we can live AND GIVE like no one else.
2 938 minutes ago
2 1741 minutes ago
Do you have one, two, three or even four of these traits? If so...we're looking for YOU!
Join our team and get healthier while helping others do the same. And the best thing about it...💰💰💰.
Click the link in our bio and go to "Join Herbalife" for more information.
2 341 minutes ago
Stop waiting for someone or something to save you. You must save yourself. You must do the very thing you think can not be done.
2 1842 minutes ago
Step 3 is postponed, someone else is paying it. Just focused on Step 4! 🙌🏽🙌🏽🙌🏽🙌🏽🙌🏽
1 1843 minutes ago
Friends in the Mississauga and surrounding areas, I'm excited to be speaking this Thursday March 22 @ 6:30pm at our How Money Works Tour event at the Mississauga Central Library. If you're in the area, make sure you drop by for some learning, networking and light refreshments!
Hit the link in my bio for more info.
I cannot get over these incredible results! 🙀 RT from @bestfaceforwardofficial 🙀 After only 5 DAYS of using the Redefine line, the AMP MD system and the active hydration bright eye complex this is the before and after results! These were the real results that had me a believer from the beginning! #NakedSkin#ForTheWin 🙌🏼
Happy First Day of Spring! #debtfreecommunity how's your lawn looking?
Roughly 23 years ago the boy in the picture was given a lawn mower at age 12 by his parents. He has been mowing grass ever since. .
Brandon has been hustling for a long time now and built a pretty large lawn care business while working full time as an engineer, but the gift of a lawn mower 23 years ago has changed his life and now our families life beyond what we could ever dream. All because his parents encouraged him to WORK for what he wanted!!! (crazy!)
Now throw @daveramsey and #thebabysteps into our lifes..... .
We have been debt free for over 3 years including our home. Our marriage has never known debt nor has our child. We are now having fun building wealth and giving!!!! .
Get to know @daveramsey and WORK!! Financial freedom is achievable! You just have to be willing to dig deep and burn the candle at both ends sometimes! You got this!
1 14an hour ago
The only way to change something you're unhappy with is to do something about it! Don't be afraid to take action and create change!
Possibly my favorite #transformationtuesday ever. No before and after photos. No bikini photos. No mention of food and no photos of food. Kinda over constantly checking my bikini progress and so much more interested in constantly checking my heart progress.
This represents fitness of the financial kind! For 9 weeks, I have been attending Financial Peace University at my church and God has been incredibly faithful as I learned to not only put Him first in my finances, but also as I learned that it is ALL His. Our entire world and everything in it belongs to Him because this is His kingdom, not just the 10% that we tithe.
There were 11 family "units" in our class (some were couples, some singles) and in 9 weeks, we collectively paid off $39,820 of non-mortgage debt, put a total of $14,486 in savings, and cut up 44 of the original 68 credit cards we collectively had as a group. I've made leaps and bounds in my financial world and encourage any and everyone to take this class whether you have debt or not and whether you're a Believer or not. We all need money to survive and the sooner we learn how to be responsible with it, the better, in ways you don't even realize until you take this class. If you have any questions about this topic, I would love to answer them! ❤️🙌💵
3 22an hour ago
My day job might be stay at home mom 👨👩👦👦 but I can still earn a steady paycheck. It could be daunting going from two primary incomes down to one but since taking a leap of faith and joining this company I know that God will provide, as he has. Did you know that It Works has been around for 17 years? This is not a brand new start up business trying to prove itself, it has already proven itself! And proven that the products work! This is no quick fix, full of fluff, temporary MLM but a legit business company that is here to stay and is continually growing! Headquartered in Florida, a debt free Fortune 500 company that has given away MILLIONS IN BONUSES ALONE, with a compensation plan that is the best of all other direct sales companies, and with Christian leaders that actually care about its employees from the bottom to the top!
When I was at conference in Tampa last month I stood in the breakfast buffet line at my hotel along with my CEO just chatting things up!! He’s a great coach, super down to earth, God fearing billionaire that just wants to make the world and the people in it healthier and better.
And what’s great is I can work my business anywhere right from my phone, by helping people reach their own health and financial dreams! As someone who is a natural caregiver this is huge! Because not only can I care for others but I can take care of my family too. And this year I’m going debt free!
I awoke the other day to a payment deposit notice in my email. There’s just something about earning money while you sleep that helps you sleep better 🙂 Ca-Ching! 💰💰 Who wants to earn money while they sleep?! 🙋♀️
1 6an hour ago
Picking the right investment in your 401K was difficult so they created mutual funds. We’ve all been taught that the way to protect yourself against loss is by diversifying your investments. Mutual funds are professionally managed by someone who knows what they’re doing and that particular mutual fund can be filled with dozens of stocks, bonds and other assets. The point is, you buy one mutual fund and you’ve diversified into several different investments, the problem is mutual funds have built in fees. Let’s say you buy the “technology fund” which is comprised of IBM stock, Apple stock and Google stock plus the management fee. The truth is, if you were to pick the stocks yourself, you would increase your performance because you’ve eliminated the management fee. Some argue that a management fee is fine because you now have a professional picking the winners but studies show that the S&P 500 outperforms fund managers over 90% of the time. In addition only 12% of the top 100 managers repeat their performance, therefore it is not possible to consistently pick next years’ hot mutual fund managers. The S&P 500 is an index comprised of 500 of the top companies from nearly all sectors of the market, mutual fund managers try to pick the top companies to outperform the market, however 94% of the time they underperform the market.
Excited to be on this journey and to see what great plans God has in store for us and how we can help make a difference in other people’s lives. As a couple we are “all in,”or as they say, “on the same page.” Regardless, super proud to be sitting next to the man I love as we continue our journey to become debt free. #financialpeaceuniversity#wateroflifechurch#debtfree
0 6an hour ago
ELECTRICITY BILL 💡
Our electricity bill came in, and I budgetted $700 for this quarter. Itms slightly more than our previous usages by about $200 just to make sure we had a good buffer, as it covers while I’m on maternity [email protected] at home with the two youngest & also with going through summer (hello air-con ❄️) I was pretty pleased so see our bill came in and below budget, $490. That gives us $210 for our use.. just to determine if it’ll go towards debt. My partner and I were talking about doing an order soon for some new clothes for the family (well, the bigger kids and us - 4 teens and 2 adults) so it could go towards that
SERIOUS Q! What role does insurance play in your life? Do you have the proper insurances and coverages for yourself and your family? If not, it's time to review and make changes to your policies! --- If you swipe right, you'll see I made some major updates to our auto insurance coverage. My coverage was embarrassingly low and inadequate before 😳 It's the same coverage I had when I first got a car in college and was looking for the cheapest possible option. Dave Ramsey suggests you have a $500K liability coverage at the very least, so I'm happy we're covered above that recommended amount now. The typical 100/300/100 coverage also meets that $500K amount he suggests, but $100K for bodily injury liability seemed too low for us now. So we signed up for a 300/300/100 plan instead. We also raised our personal vehicle deductible to $1,000 each for comprehensive and collision insurance since we have that emergency fund, baby step 1 and it's highly unlikely both comprehensive and collision will hit at the same time. Dave even suggests considering dropping collision for an older, paid-for car, which can be another option for our 2001, paid off car. --- We ALSO signed up my husband for the same ID theft protect I have with LifeLock since he didn't have that. ID theft is so big these days, so it's an extra precaution and protection. Make sure you get ID theft that covers legally taking care of any mess made by a stolen identity! --- We ALSO upped our renter's insurance policy through USAA to cover $30,000 for our personal property with. You might want to consider much more if you're a homeowner, but don't go without it! --- I still need to sign up for life insurance, so that's next on my list! Don't wait to do this much later!
If you want change you have to be the one to do it, nothing in life comes free, anything worth having is worth fighting for. I am continually growing, continually making changes, I'm not perfect I fall short all the time but I still try, I try to embrace change even when I don't want to, I remove negativity when needed and I try to enjoy and share my happiness with others. I'm choosing to be healthier in all aspects of my life and it has been so rewarding. I have a happy and positive home, an amazing loving partner, I'm watching my body and energy change, I have a job where I truly get to earn what I put into it and have never felt so appreciated and a part of something bigger and I'm surrounded by people who love and support me. What more could I ask for? #joinme#healthandwellness#itworks#healthy#appreciate#happiness#inlove#financialfreedom#debtfree
Sometimes I find this debt free journey process hard. Losing friendships, getting the rude comments, having people tell me this is ridiculous.. and so on and so forth. But then I remember I’m not doing this for the “joneses” I’m doing this for me. For my children. For my husband. For a life we have dreamed about and refuse to give up. This isn’t about the “haters” this is about a life I want to live. A life worth living. Not settling for the stress of living pay check to pay check with nothing to ever show for. This is for the process of learning to change my mindset & my habits so I can give bigger than I ever dreamed about. This journey is worth it. Even when the people you want to care the most care the least. Happy Monday #debtfreecommunity
When we decided to start our blog and IG we just wanted to share our mistakes and wins to help other people.
We never expected to gain a family. We love sharing our knowledge with you and we're thankful that 10,000 of you have found us!
wealthy friends! 🤗💙
DJ is on a trip and made this 😑
It's only funny because I LOVE RuPaul 😂 Are you a natural saver or spender?
P.S. I'm not violent in our budget meetings but I am dramatic 😇
15 1564 days ago
Updated the visual board in my living room. Finally have my credit card debt down to where I THOUGHT it was before I actually added it up. Seriously, if you’re considering starting this journey, one of the first steps is sitting down and adding it all up. It should be enough to give you the kick in the pants you need to get going! Thanks Uncle Dave and Renee!
15 2744 days ago
What are your thoughts on credit scores??
We posted about credit cards yesterday, but here are a few things to think about in regards to increasing your credit score.
Sure, you can work towards a 0 credit score, but if you still have accounts open you should keep these tips in mind.
Just make sure that you avoid adding new debts and don't waste money on interest!
Check out the link in our bio for the "Credit 101" post.
38 3295 days ago
We started this journey 6 months ago! In 6 months, we've paid off almost $10k, cash flowed some things and went to see my dad twice. We've celebrated birthdays, Christmas and an anniversary low key, we said no to countless things, we spent a lot of time communicating about money and I found my love of cooking again! It's not easy, but it's easier than it was 6 months ago. I'm finding that you find new routines and find a groove that works. Do we slip up, of course; do we eat out when I already have chicken defrosting, you bet; but our behaviors are very different than 6 months ago and we've come a long way. We didn't just walk into becoming intentional about our life and money, we worked hard! And we're still working hard. There's still so much to learn and do! 🎯🎯