Today is the halfway point of my first paycheck budget using #cashclips .
Here's what is left for week 2:
• Her "fun" money: $0/$40 [needed pants]
• His "fun" money: $6/$40 [dinner & drinks with a friend]
• Misc: $33/$40
• Kid's: $30/$40
• Groceries: $193/$200 [for 2 weeks]
The challenge will be sticking to our lack of personal spending money.. might just have to leave the debit card at home when I go out! 🙈 #budgetbypaycheckworkbook#debtfreecommunity#debtfreejourney#cashisking#budget
The Federal Reserve announced this week that they would remain on the sidelines and not move rates higher. Read more on the blog on what we think this means http://bit.ly/35gFVM9. #ontheblog
1 07 minutes ago
After you comment DM your package choice to get signed up.
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2 38 minutes ago
I am headed to Trinidad staying at the Hyatt Regency Trinidad. I forgot that I had a World of Hyatt reward points account as I had signed up for it on a business trip more than two years ago. I don’t typically stay at Hyatt’s.
I called Hyatt to see if I could get my reward points reinstated as I live in the Caribbean and there aren’t any Hyatt’s in Barbados. To my surprise the agent put me on hold and asked manager who allowed agent to reinstate the majority of my points. From that experience I signed up for Award Wallet so I get notification of when my points are expiring.
Tip make sure your points don’t expire your basically leaving money on the table. It is so difficult keeping track of all these reward programs for hotels, airlines etc.
This is the premiere of Smart Debt Daily from Smart Debt Services. After uploading a bunch of FAQ's and other content. This show will be the pillar piece of content for SDS. We will be go over customers stories, answering FAQ's and other topics revolving around personal finance and becoming debt free.
We go over a simple way of understanding your monthly cash flow in this episode.
As I look at my pathetic display of Christmas lights. I can't help but feel desperate to head to the shops and get some real "Christmassy lights".
A 5 minute drive around my estate and it almost feels like the Blackpool illuminations (if you're not from the UK, it's basically a mile long of amazing Christmas lights).
It seems like on our estate, it's a chance to show how creative and how Christmassy you're really feeling and I can't help but feel a bore.
This feeling I have isn't just once a year at Christmas though, it's all the bloody time. I feel like there's always more important things to spend money on. "If I have money, really I should save it", or "maybe we can get that sofa we have desperately needed for ages". I think what I struggle with...at times is balance. A balance between buying items we need, spoiling others and treating myself!
I guess I can spend the money on some fancy lights and maybe next year when I'm debt free, we will get the full works, flashing, sound effects, figures you name it!
But as much as I feel like that, when I have a word with myself I know deep down it's not that bad... For the first time ever I'm not stressing about finances we always have enough and the reason why is because we stripped stuff like this away from our spending.
The goal is one day to be able to spend comfortably on items such as lights without it impacting my budget, what that day will look like i don't know but a day where I have a comfy emergency fund and no debt is a good start. 🙂
Do you ever feel fed up of saying no?
4 8516 minutes ago
Make a minimum of $8,000 per week using the strategy and the right tools. Try it today and thank me tomorrow
This is a snipet from an advertisement I received yesterday.
Here LendingClub is telling me that I could take control of my #debt by borrowing from them to pay off higher interest rate debt.
There is a huge debate about consolidating debt. While I don't immediately write off this option. I don't think that this works for everyone 100% of the time.
If you borrow to consolidate your debt, you haven't changed your money habits, and then turn around to borrow more money on the cards you just paid off, then you are in a worst position.
Also these type of loans have high expenses upfront. That is how they can make the loan seem like it has better #interest rates.
Before I became educated about borrowing money I used LendingClub. I borrowed 20K, and only got 17K because the rest was kept by them in fees. That 7% interest I got was higher once you factor in the fees.
I suggest you start with cutting the credit cards and all access to debt. Then do your monthly budgets and work the #DebtSnowball . Increase your income and decrease expenses.
1 116 minutes ago
Holy herd of brass elephants!! I bought these with specific purpose in mind....excellent #stockingstuffer for someone you care about and wish the best!! It’s a small token gift that will create a memory and sit as a symbol of protection, wisdom, and good luck. Trunk up means good luck or good fortune. 😊 #christmas#budget#approved $10-$20 each. Merry Christmas and Happy Holidays from Pippin’s Pickins
Makeup Revolution Pro HD Amplified 35 Palette 🥰
35 матових відтінків у одній палетці🌟
Не тестуються на тваринах✅
Ціна 400 грн💰
FREE WEBINAR: Building a Better Budget. Wednesday, December 18, at 6 p.m. Eastern. Make 2020 your year to get into your best financial shape! It starts with a workable spending plan. A budget is the most powerful weapon for building a secure future. Learn to identify short- and long-term goals and to design realistic plans to reach those objectives. We will also discuss getting out of debt (and staying there). Learn more and register at www.hfcu.org/events. #personalfinance#moneywisdom#webinar#budget#spendingplan#newyearsresolution
5 steg att följa för att direkt ändra ditt liv för det bättre! Har du några egna tips? Kommentera gärna nedan🙏🏼
Tagga någon som borde läsa dessa💫
Följ @framgångsguiden för dagliga citat och tips för dig som vill ha lite extra motivation i vardagen🌟
1 17534 minutes ago
Your #vision for a better #life begins with change. It doesn't have to be drastic. It could be a #simple little thing you do often that slowly builds into something greater.
And all you have to do to get there is... Well, start. 👣
Makeup Revolution Ultra Pro Glow Palette 🌟
Вісім відтінків хайлайту чекають на свою власницю😱
Супер пігментовані, з ідеальною структурою, для будь-якого типу шкіри, на будь-який смак🌟
Використовуй по одинці або змішуй відтінки щоб досягнути вау результату✨
Не містять глютену. Не тестуються на тваринах🥰
Ціна 250 грн💰
Budgeting. I learned about it when I was younger, and then I promptly forgot everything as I became a busy lawyer and mom. I got serious about setting and following a budget a couple of years ago and feel much more confident about my financial future. It’s like exercise, weight loss, or any other habit – it takes work, but the payoff is so worth it.
Online, I “like” things or “save for later” for at least 48 hours before purchasing. Usually I decide I don’t need it. I clean out my closet regularly and realize I have too much stuff. I shop for groceries online so I can plan my meals, make a list, and not get distracted by random items.
You work too hard to be broke (or feel like it). Pay off the student loans – even though it seems insurmountable. Don’t spend more than you make. Save for retirement. Be thoughtful in your purchases. #budget#studentloans#debtfree
0 341 minutes ago
Årets sista stadsdelsnämnd följt av julbord!😉 Mötet hade ikväll några medborgare som pratade om sina inskickade medborgarförslag. Mellan den grönblå majoriteten och sossarna och vänstern i opposition så blev det en intensiv budgetdebatt för Södermalms framtid. Representanter från Kommunal och Saco var på plats. Kvällens lite extra energi var ändå medborgarförslaget om lekplatser för vuxna, inspirerat av det japanska samhället! 😉
Fincancial freedom has a different meaning for different people. There is no right or wrong answer... it’s your answer. How do you define financial freedom? Let me know in the comments below!
Makeup Revolution London Radiance Palette 💫
Палетка хайлатерів, які нададуть вашій шкірі неземного сіяння на довгий час✨
Три високопігментовані хайлайтери чекають поки ви спробуєте їх на своєму мейкапі🌟
Ніжні немов шовк, сяють наче зорі, ваш образ буде неперершеним ✨🌟
Ціна 200 грн💰
🥦General Tso’s Tofu🥦
I know it probably looks like I don’t eat my veggies… but I promise that I do! This is one of my favorite meals. It’s so easy to make and packed with protein. Who says vegans don’t get a lot of protein?
Ingredients: 🌱Tofu (my favorite is @heiwa_tofu because it’s loaded with protein and tastes so fresh!)
🌱Broccoli (or any veggie you want to use)
For the sauce:
🌱 3 tbsp of soy sauce or liquid aminos
🌱 2 tbsp rice vinegar
🌱 1 tsp sesame oil
🌱 3 tbsp sugar or maple syrup
🌱 1tbsp cornstarch
🌱1/4 tsp pepper flakes (sometimes I add more)
🌱 1 tsp mined garlic (you can opt for garlic powder if you don’t want pieces of garlic - I personally add more minced garlic because I love it)
🌱 1 tsp minced ginger (same as garlic, you can use the powder if you prefer - I also add more of this lol)
🌱1/4 - 1 cup of water depending on how thick you want your sauce to be.
What to do:
1. Cook the tofu any way you like it. I personally love to toss my tofu in a little turmeric powder, arrowroot powder, and light oil and then bake it. If you want to know exactly how I do it, I can make a post all about it!
2. While you’re making your tofu, also start cooking your rice or grain of choice.
3. Add nonstick spray or light oil to a pan, and add garlic and ginger. You can let that cook just a little (this is optional). If you want you can just add everything into the pan, and then you’re finished.
4. Steam your vegetables of choice and serve!
Start off with 1/4 cup of water, and add more if you’d like
This year, we are adding baking to our Christmas traditions.
Here’s a secret. I have always wanted to learn how to bake. I just never got around to it. Deep down I felt like I didn’t possess the skills to bake with my son, or incorporate baking into our lives.
This year, I bought premade sugar cookie dough, used sprinkles I already had at home, and we used cookie cutters that have been sitting in my drawer for the last 4 years. Total cost $4.99.
It cost $4.99, to start a new family tradition this year – making and decorating sugar cookies with my son.
When James woke up and I told him what we were going to do, his excitement and happiness made my fear and self-doubt of baking disappear. Just like so many times before, it was in that moment that I realized it didn’t matter to my son if I couldn’t bake. All that mattered was that he got to spend the morning with mom eating sprinkles.
Next up, we are going to try chocolate chip cookies. After that, we will move on to pies, but decorating sugar cookies will forever be our holiday tradition.
And of course, smart budgeting is another tradition in our family. That's why I use the @fetchrewards app to save money on groceries.
Fetch shoppers earn rewards points on thousands of participating brands, including baking supplies! And the app keeps getting better -- just this week, they added a ton of new brands!
Whether you are buying ingredients for your next family tradition or groceries for holiday dinner, make sure to scan your receipts for everyday savings no matter where you shop.
Download the app now and use the code "TBMOM" when you sign up and you'll get 4,000 bonus points after scanning your first receipt. #fetchrewards#partner
Welcome to my Crock-Pot December Weekly Meal Plan.
My meals are for a family of 3.
I can't tell you enough how much I am enjoying this food budget challenge. So far, I have made six Crock-Pot recipes, and have enjoyed each one.
The one thing saving me the most money on this challenge is shopping my pantry and freezer FIRST before creating my meal plan or going grocery shopping. I'm currently shopping every Sunday for the entire week.
The most beautiful thing about this challenge has been cooking dinner while I'm working. It's done at the end of the day, I spend about 15 minutes preparing it in the morning, and I don't have to worry about it at night. It has helped tremendously with eating out less.
So far this month, I have only spent $101 on food purchases, including eating out.
I use simple ingredients and recipes I find on Pinterest. They are quick and easy and end up tasting delicious.
Since Crock-Pot meals make a ton of food, leftovers have helped a ton for lunches, and reduced the amount I was eating out.
I am so excited to try more recipes this month! If you want to see behind the scenes video about the recipes I'm making this month, I'm saving those videos to my highlights. *Note* this meal plan worksheet is in my Free Resource Library ❤ Link in my bio.
Who is doing Crock-Pot December? What is one thing that love about the challenge so far? #crockpotdecember
96 3,30411 December, 2019
At some point, the meaning of the words ‘wealthy’ and ‘rich’ merged.
But they don’t mean the same thing.
Rich people give the illusion of wealth. Fancy cars, designer clothes, big houses, tons of debt.
True wealth comes from the accumulation of assets. Wealthy people seem like your everyday person, except they have financial freedom -- they no longer need to work for money.
This holiday season, remember that appearances aren't always what they seem.
Read more about why you should be wealthy! Link in bio 👩🎤 https://thefinancetwins.com/rich-vs-wealthy/
17 1,00311 December, 2019
Ahhhhhhh!!! In about 10 days we will officially begin our #mortgagefreejourney ! 🏠 In fact, we will make our first extra payment towards the principal on December 21st, exactly one year after finishing #babystep2 !!! 🎉 I can’t think of a better way to celebrate one year of #debtfreedom than to start knocking out that mortgage in #babystep6 ! 💪🏻
So a little recap of the last year, between the end of #babystep2 and now...
💥December 21, 2018: became consumer debt free, paying off over $77,000 in 3 years being GAZELLE 🦌
💥March 2019: cash flowed family trip to Nashville to do our #debtfreescream on the @daveramsey show because WE’RE DEBT FREEEEEEEEE 🎉
💥 April 2019: completed #babystep3 with a fully funded 6+ month emergency fund of $24,000
💥June 2019: cash flowed a 2 week cross-country family vacation to CA for 6 people 🌴
💥July 2019: started college savings for our kids and Vanguard Roth IRAs for both me and my husband to complete #babystep4 and #babystep5
💥August 2019: increased our college/retirement savings rate to approximately 26% of our income 🙌🏻
💥September 2019: cash flowed a #davecar ! 🚗
💥 Cashflowed a trip to the beach 🌊 a trip to the mountains ⛰ and several home improvement projects 🛠 and Christmas 🎄 and continued to be faithful with tithes and offerings along the way!
...and this month, before 2020, we will start putting $2000 extra a month toward our mortgage with a plan to have a paid-for HOUSE in just 5.5 years! That’s 17.5 years EARLY and will save us $62,145 in interest! 😱🙌🏻🎉🙏🏻
Y’all....four years ago we were BROKE. Drowning in debt payments. We had 4 small kids and one entry-level engineer’s salary. I was a SAHM for a decade, only starting my teaching career 1.5 years ago. And in case you haven’t heard, teachers don’t make a ton 🤪 In four years we TURNED EVERYTHING AROUND! Every. Single. Sacrifice. Was. Worth. It. 😭🙏🏻 We let go of toxic behaviors, and what we’ve gained is priceless. We achieved huge goals not because we make a huge income, but because we live life on a #BUDGET .
And we are going to pay off our house! It’s a long road, but I know we’ll get there! #financialfreedom#debtfreejourney
Goodbye eyelashes ✌ Today I took off my eyelash extensions.
For the past 2 years I have been filling my eyelash extensions every two weeks.
Over the holidays I made a decision to try something different.
Before I go any further, this is in no way an ad or sponsorship with any brand. Im not getting paid to mention any names. It's simply something I'm trying in my real life.
During Thanksgiving break, I decided I wanted to try Lash Boost by Rodan & Fields. Now, don't get me wrong, I absolutely loved my extensions, but I wanted to try having just my real eyelashes and focus on being proud of them. To love them just as much as my fake ones.
I bought my Lash Boost for $155, and I have read the bottle can last up to three months. My eyelash extension fills cost $50 every two weeks with tip. Essentially, I'm saving almost half by trying something new.
I am also showing what my real eyelashes look like after wearing extensions for two years. I took very good care of my real lashes, even when I had extensions. They are still healthy, but I'm excited to make them even healthier.
I will admit, looking in the mirror after having them removed was a shock, and I will be sharing that with you tomorrow morning.
So, I'm cutting my beauty envelope budget in half starting next month, for a brand new year.
Do you have any of these lying around? My favorite grocery rewards app @fetchrewards just added a bunch of new brands that you can earn rewards points on! Don’t forget to scan in all your receipts after your holiday grocery shopping and let the rewards points roll in!
Simply scan your paper and e-receipts into the app after you shop. You’ll earn points on certain brands, and you can redeem your points for gift cards to a ton of amazing places. It’s truly that easy!
If you haven’t yet, download the app and use code “EASYB” when you register for 4,000 bonus points after you scan your first receipt!😊 If you already have the app, go check out all the new brands they added! #FetchRewards#Partner
3 1655 hours ago
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