Pretty sure Brian just sent this to me... I know for a fact this is what I’m doing because I don’t want to deal with the pain. It was becoming to be to much so I became busy; it’s how I’ve always handled trauma since I was a kid. I distract myself with either work or life because I don’t want to deal with the hard stuff that needs to be dealt with. I know I’ve avoided opening a good amount of cards and packages because I just want to sweep the cockroach under the rug instead of open it up and cry uncontrollably but I know I need to start acknowledging my reality again... #babysteps#newnormal#widowlife#krummstrong
I received messages over my previous post (I must admit, i rarely notice the changes in my arms as i often pay more attention to my leg workouts🙈) So here's a quick 20mins #armsworkout you can do at home,to help you tone your arms ladies.
I haven't stepped on a scale forever. I knew I've gained alot of weight cause going up 2 pant sized and not being able to put on your socks is a huge and obvious thing. Seeing these numbers were hard on me, but needed to be done! I woke my butt up and made it to the gym this morning.... #babysteps#onedayatatime#day1again#icandothis#justbreathe
Today is my 27th birthday! Woo hoo!🎉 So I’ve been pretty quiet the last couple of days. Sunday was my one day of work this week. I brought home $87. Something is better than nothing right?🤷🏼♀️ Yesterday, I went for my routine eye care exam. My husband has fantastic insurance, so, after looking at our benefits, I determined it should have been about $100 MAX for everything. Well, I was WRONG! It came out to $233.😳 This was because of my specialty lenses to keep them thin since I have such a bad prescription. Long story short, I cancelled the order for the $233 glasses and ordered a pair off Zenni Optical for the first time. I paid $18.95 for expedited shipping so they would be here in 7-10 days. Overall, my grand total at Zenni was $81!! I actually submitted a claim to our insurance, and it looks like they will reimburse $69 (price of glasses minus the expedited shipping)!! Overall, I saved $211 if the reimbursement goes through just by looking elsewhere! #smallwins
Anyways, we’re still chugging along. Not huge amounts of debt being paid off at this point in time. We’re working our way up to make some serious moves in the next 2-6 months with our debt repayment! #debtfree#debtfreejourney#debtfreecommunity#bs2#babysteps#7babysteps#daveramsey#babystep2
HOW is it already the middle of October? The days are flying by which sucks because we all know October is the best month.🎃👻🍂 I’m still working away on my goals, and while some are going better than others, I’m determined to finish the month strong. How are your goals going?
#naildip FTW!! I saved $135 by doing my nails at home 🏡. This is my third time using nail dip and I love it. Eventually, I will be a pro but it beats going to the salon 💅🏾. ......
They usually last two weeks before my new growth starts to get obvious. Soaking them off if easy. Then on goes another set! ..... Have you ever switched to a #diy to help move your #debtsnowball along?
So.... yesterday I made a big deal about my student loan breakdown, but the total I posted is actually total debt and not total SLs, and I didn’t realize that mistake until just now 😅 Good mistake to make though, right?! So it’s more like $35K is from undergrad and $65K is from law school. The accrued interest and stupid tax are the same. Going to start a new @debtfreecharts to track the undergrad loan payoff! Do you visually track your payoff progress, and if so, how?
LET’S GO!!! when that paycheck comes through and you throw almost all of it at the baby steps!!!! I do lots of side video work and it helps SO much for throwing extra money at the baby steps. I am PUMPED because I just went from 35% of baby step 1 to 86% done with it!!! THAT IS WHAT IM TALKING ABOUT.
I encourage you to attack the baby steps in this way. how you manage your money today affects your future.
1 815 October, 2019
One of my friends shared this and I couldn’t not pass it on!! For those of you who wonder “how can I be losing inches but not much weight...read this! 🤔
You’ve probably heard that "muscle weighs more than fat" however, A pound is a pound, as you see in the photo.... this should help you better understand why a photo can show results when the scales do not move.
Think about a pound of marshmallows (fat) vs. a pound of apples (muscle). Both weigh the same, yet carrying around a pound of marshmallows is going to take up A LOT more 'room' than carrying around a pound of apples.😲 💪🏻Since a pound of muscle is smaller in size than a pound of fat (fat takes up approximately 4x the space of muscle tissue) it's very possible to LOOK and FEEL slimmer even if your weight remains the same!!!! 🙌
This is why it’s important to not focus on just the number on the scale!
3 115 October, 2019
People often ask what I help clients with and what it looks like. Well, this is a basic outline, but each step is customized for each client - sometimes we focus on a debt repayment plan, a budget, investment strategy, or retirement plans. ⠀
We spend a lot of time on step 1 because that drives everything else. Together we discover values and goals and, essentially, the WHY for the financial plan. ⠀
Then we get into the numbers. And in true accountant style, we start with our current state ‘on the books’ with a Net Worth. ⠀
Once we know our starting point, we look at the Spending Analysis. This shows typical habits. This is not for me to judge or design a budget for the clients! I provide guidelines and options for each client, working to align with the goals and values. ⠀
Lastly we look at savings and investing plans. We review RRSP and TFSA and retirement goals. We talk about time horizons and risk tolerance. And we create a plan that works with your goals and habits. ⠀
If you’re interested to know more, message me!⠀
#wellbeancoaching#personalfinance#financialfreedom#debtfree#debtfreecommunity#debtfreedom#debtfreelife#buildwealth#financialindependence#ficommunity#savemoney#fire#frugalliving #money#dfc#budget#financialplan#babysteps#debtfreecommunitycanada ⠀
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As we approach 4.5 years without you. I feel like the journey has gotten a little easier. Last week I cried all the way to work. Which I have yet to cry like that in a really long time. But as I keep growing and my life keeps changing. I found myself driving to work and crying. All these amazing things have been happening this past year. I just really missed my sister and it’s been really hitting me that she’s not here with us. This song off @jonpardipics new album gets me in all the feels too. I guess grief never stops. When you least expect it, it’ll come back to bite you in your ass. Watching your daughters grow these last few years alongside mine makes my heart happy. I know you’d be happy. I love you. A piece of me left when you did, that piece will never be whole again. But all I can do is keep your legacy and our family strong as I know that’s what you always wanted. You’re the glue to all of our pieces. #grief#grievingprocess#soulmate#sister#loveyou#griefnevergoesaway#babysteps#nieces#daughter#familyovereverything#nevergiveup#jonpardi#newalbum#allthefeels#inonesong#missyou#missyousomuchithurts
0 215 October, 2019
Look what I can do with my paralyzed leg! It doesn’t seem like much of anything to y’all, that means sooo much to me! To be able to straighten my leg if it’s slightly bent! That means I’m making progress!! I did this the other night when I was laying in bed, I was totally shocked!! But now I can do it on c ommand! #makingprogress#imgettingthere#babysteps ! #onedayatatime
Seriously feeling like a green Goddess this morning!!! 💚💚This may just be toooooo pretty to drink...not to mention keeps me full until lunch!! Sayyyyy what!!!!🤷🏼♀️🤷🏼♀️❤️ .
Who is struggling with their nutrition out there?! 🤷🏼♀️ Maybe you’re a fitness lover like me and you have your workout routine you love, your gym membership you don’t want to give up or your fitness classes you love attending...but simply can’t seem to get the nutrition part under control?! 🤦🏼♀️ Maybe you just simply don’t know where to start, how to eat healthy or what to eat?! 🤷🏼♀️Maybe you are bored with your recipes, your cooking or your weekly meal plan?! Maybe you need help meal planning and prepping!!?? 💃🏼Maybe you struggle with portions and simply don’t know when to stop eating or how not to feel absolutely stuffed and sluggish after each meal?! 🤷🏼♀️This WAS ME!!
Ready to feel like a Goddess?! 🙋🏼♀️🙋🏼♀️
P.S See My definition of a goddess in the comments!! 😉😉❤️
Babies are brave taking their first steps non-stop simply because they focus on the steps they can take than the distance to get to their destination. #babysteps
0 315 October, 2019
It’s Tip Tuesday! 🎉
Today’s tip is to push yourself to do something out of your comfort zone.
You guys made my day yesterday by leaving the kindest comments about our Halloween party. A few alluded that I “know how to throw a party”. Here’s the thing: throwing parties is totally out of my comfort zone.
I’m an introvert to the core. If it were up to me, I would spend most of my time in my safe, cozy home with no one but my family. 🤷🏼♀️
BUT - I also deeply appreciate and know the importance of interpersonal connection. I want my boys to have memories of our home being a happy and welcoming place. Having people over for dinner. Inviting friends for play dates. And yes, hosting parties.
I could wait until my kids are perfectly well behaved. I could wait until there are no toddler handprints on the windows. I could wait until we renovate the kitchen. I could make excuses forever.
So - like in any area of life - if I want to get stronger in the area of hosting, I need to practice! I never regret pushing myself to host something and exercising that muscle a bit more.
What is something outside of your comfort zone that you’re working on? Whether or not you share in the comments, I hope you have something that comes to mind.
I feel precisely how @jmoneyyyyyy felt when he was thisssss close to being in the millionaire net worth club. And now he's there. It feels like I've been chasing that first 100k in retirement for a while. I was told the first 100K is the toughest. From there, it grows. But i know with the market today it'll go down :( very soon I will crack that $100k.....well technically i have a TSP with my new federal gig so I did hit $100K, but i can't access it till later this week(snail mail access). So hooray me?
1 815 October, 2019
Hvorfor økologisk te? 🍵 og en «hemmelighet» om gurkemeie ⠀
Jeg er ikke 100 % overbevist om at å alltid velge økologisk er det beste 🤪 Det er hvertfall mindre plasskrevende og effektivt å dyrke konvensjonelt. ⠀
Men - ⠀ ⠀
når det kommer til te er det et superenkelt valg 😘 ⠀
Økologisk te er mindre utsatt for sprøytemidler - bedre for oss og ikke minst de som står i åssidene, planter, luker og plukker 🌱🌿 ⠀
Jeg velger også økologisk te i plastfrie teposer (litt mikroplast til frokosten? 💦) ⠀
Økologisk mat er også nøye regulert når det kommer til opprinnelse av råstoffet ⠀
Hvorfor det er viktig? ⠀
Jo, hva med litt bly i gurkemeien så den blir ekstra gul? 🤨 ⠀
Å tilsette bly er en enkel måte å få bedre pris på bleke gurkemeieknoller på. Med bedre sporbarhet og mindre prispress er man bedre sikret mot juks 💛⠀
Det er mye å tenke på, og man kan bli sprø av å skulle ta alle mulige hensyn på en gang ... 🧐🤪🧐🤪🧐⠀
Men jeg foreslår å velge økologisk te med god samvittighet. ⠀
Og teforhandlere - jeg er åpen for spons 😂 ⠀
PS. Vi har en give-away med blant annet økologisk Yogi-te til gullmelk, lenke i bio ⠀
Starting afresh today after an early weigh in. Needed to get it over with! Up 4lbs which is pretty generous considering!
Let's do this 2019! Starting with 1 stone as my target and we'll see what happens 🤩
WHAT’S THE BIG DEAL?! One day post surgery, walking downstairs sent shooting pains down my wrist.
One week post surgery, I could walk, but squatting too quickly HURT.
One month post surgery, I could change the elevation of my body, but jogging and impact movement rattled my bones too much.
2.5 months after surgery, I could do my favorite dance-cardio-kickboxing workout WITH weighted hand gloves and burpees entirely PAIN FREE!!! Am I completely recovered? PFTT no. But meeting these tiny milestones keeps me motivated to continue taking good care of myself and TRUST the process. ⭐️ Practice patience—results will come. What is something you’ve worked long an hard for that’s FINALLY starting to show results??
Unit pricing. So I know everyone learned this in elementary school or at the latest junior high, but how many of you are still using the skill? Be honest.⠀⠀⠀⠀⠀⠀⠀⠀⠀
So unit price comparisons let you know that you're comparing apples to apples when you're buying an item. It's especially helpful when you're considering two different sizes of a similar product (think brand name vs store brand) to determine how much you could save by buying one over the other. If buying the 6 pack of paper towels is $1.02 per roll but buying the 18 pack of paper towels is $0.95 per roll (and you'll use the 18), then the 18 pack is the better value as you're spending less per roll.⠀⠀⠀⠀⠀⠀⠀⠀⠀
BE CAREFUL! Some merchants will not allow you to compare apples to apples. In other words, they won't fairly list the unit pricing. They may have cost per sheet of the 18 roll pack but cost per 100 pounds of the 6 roll pack. I literally had this happen to me and I took my calculator out and compared the sheets to sheets after noting the total sheets listed on the packaging. It shouldn't be that hard. And you have to wonder why the merchant doesn't want you to cost compare. #verafinancialcoaching#debtfreecommunity#debtfreejourney#babysteps#budget#millionairemindset#millionaire#motivated#determination
Die 5. Ausgabe des Kreativsüchtig Magazin ist vor kurzem erschienen und ich bin auch auf diese Ausgabe wieder sehr stolz! 😍 Auf dem Blog erfahrt ihr mehr. 😘
In dem Magazin stecken wieder viel kreative Arbeit und auch grafisch habe ich wieder ein bisschen was ausprobiert. 🤗 Mit der Veröffentlichung der neuen Ausgabe habe ich beschlossen mich von meinem Kreativblog @piecesforhappiness zu trennen. Was ich mit dem IG Account mache habe ich noch nicht entschieden.
Nach über sechs Jahren muss ich loslassen und mir eingestehen, dass sich privat und auch beruflich mein Schwerpunkt verändert hat. Das ist unglaublich GUT, doch wenn ich so überlege welche Chancen ich vor allem beruflich dadurch bekommen habe werde ich ein bisschen wehmütig. ❤️
Ich durfte als Mitglied in verschiedenen Designteams andere mit meinen Basteleien inspirieren, ich hatte zwei tolle Jobs als Online-Redakteurin, Grafikerin und Marketing Managerin. 🤓 Im Radio durfte ich 2x als Verpackungsexpertin Tipps geben, habe sogar mit meinem Lieblingsverlag @verlaghschmidt eine Verpackungsaktion der Bestellungen zu Weihnachten gehalten und über 80 Bastelvideos auf YouTube veröffentlicht. 😍
Ein weiteres Highlight war das Interview in dem Frauenmagazin "emotion" zum Thema Kreativität vor ein paar Jahren. 😊🖤 Oh und das Gespräch im Podcast von @byjohannafritz 🥳
Nicht zu vergessen die vielen Workshops, in denen ich vielen Kreativen meine Tricks beim Basteln von Karten oder Scrapbooking Layouts zeigen durfte. ✂️🤓 Das war immer ein Spaß!
Aber alles hat seine Zeit! 🥰 Und die Zeit war toll!!!! (Bevor jemand fragt, dass Magazin ist davon nicht betroffen. 😉) Ich bin bereit für neue Abenteuer! . #juliakleindesigns#kreativsüchtigmagazin#weilmachenglücklichmacht#erfolgreichemenschensindentscheidungsfreudig#meinkreativesbusiness#dankbar#dankbarkeit#bastelnmitpapier#grafikdesignerin#illustratorin#ilovemyjob#einfachmachen#glückisthandgemacht
11 7515 October, 2019
Holding our #emergencyfund online is the BEST!! Almost a 2% APY??!! Wahh?? .....
Check out 👉🏾 the New blog post 🗣️ with a BONUS top 5 #onlinesavings accounts for the month of October according to bankrate 💵. ......
Link in bio 🤗
WE’RE DEBT FREE! 🎉 November 2018, we got serious about paying off our debts. We decided that the future we wanted didn’t include minimum payments, but instead, allowed us more flexibility for things that matter. We have since paid off $30,749! 😱 That included 2 car loans, student loans, and credit card debt. Halleluyur. 🙌🏾
We budgeted, shopped frugally, packed our lunches, and tried our best to avoid instant gratification. We still traveled some & said yes as often as reasonably possible, so we were by no means deprived, but we also learned to say no to things that we didn’t value. We have some BIG plans ahead - and we’ll get there much faster without over $1,000 of minimum payments every month 😵 Also - yes, we still have a (modest) mortgage. I am so proud of us! #weredebtfree#debtfreecommunity#nomorepayments#financialfreedom#firecommunity