I have mentioned a couple of times how hard I find it decluttering items of Charlie’s as everything feels sentimental 😫 the exception are items he never wore or used.
BUT, I really, really admire what @mrs_thrifty_ does with Baby Give Back, so I checked to see if they have a Sydney drop off. They don’t, but I found the organisation Mummies Paying It Forward, which does.
What makes it super easy to give is to think of a very much loved but less fortunate baby than mine enjoying something that my baby doesn’t truly need ❤️ it brings me so much joy to see my baby play, and I’d love to contribute to another mother feeling this same way.
I will be donating clothes, toiletries, nappies, breast pads, toys, books, food items, hats, blankets, swaddles and more. If another family can benefit from something we no longer need, then I’m going to make it happen 🙏🏼
1 03 minutes ago
Cook Once, Eat Twice - Part 2. So this is what became of Fridays chilli and rice last night..... Mexican enchiladas with Mexican rice. The enchiladas were fab but have to say that the 500g of mince I used would easily have made four meals so might keep beef mince based dishes for earlier in the week as then I am make much better use of it as I can take it to work too. .
We’re out meeting friends today for Sunday lunch and out tomorrow too so no cooking now until Tuesday but doing this has really made me think about my meal planning and also using up what we already have.
Really got to get through the larder and freezers and will save my #yellowstickers bargains only for things that need replacing. I’m really going to have to show restraint with that one!! Wish me luck!! 💖
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This post seemed especially appropriate today while I’m recovering from my husband’s work Christmas party 😂😂😂 I recently ordered my first @nakedwinesaus box, and so far the ones I have tried have been delicious 😍 Using coupon code AMAZON18 and password JPW156 entitles first time Naked Wine customers $100 off their first order of $159.99 or more, meaning you can buy 12 bottles from just $59.99 plus delivery. I chose a case of whites, which came to $85 incl delivery. It worked out to approx $7 a bottle due to the discount, and it will definitely come in handy this Christmas 😊 Check out the second pic for the full info and T’s and C’s
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The beauty of budgeting is the ability to spend your money free from guilt. I remember in the past, ordering ASOS packages and hoping they’d be delivered before my husband got home from work. I did this to avoid hearing his complaining and million questions about my unnecessary purchases.
With our zero-based budgeting system in place, we each have budgets allocated for fun. So now I can order my ASOS packages in peace! Funnily enough, since we’ve started this #mortgagefreejourney , I haven’t ordered any ASOS packages. My perspective has shifted so much and I no longer just buy things for the sake of it.
I have tunnel vision of the goal we’re working towards, spending money on clothes that I’ll wear a couple of times before they lose their appeal no longer makes sense to me.
These days, it’ll take a lot for me to part with my money on clothes as there are so much more important things in life for me to spend my money on. I’ll pick experiences over material things any day!
Do you have a fun budget?
This morning I realised I had forgotten to defrost a frozen chook for our dinner tonight, so we decided on using what we had on hand and made little meatballs with herbs from our garden and freshly made bread crumbs with bread crusts I had in the freezer. We made a little salad with the lettuce, spinach and rocket from our garden and some garlic bread we had frozen, and a spoonful of dip. A quick and easy dinner using what we had on hand. Sometimes things don’t go as planned, and that’s okay! Bellies are content and we used goodies from our new little garden! #homegrown#backyardgarden
1 121 hour ago
STUDENT LOAN DEBT
A fellow DFC member suggested I watch “Patriot Act” with Hasan Minhaj on NETFLIX.
I watched the episode this evening addressing student loans and how millions of Americans struggle with paying them off, in addition to having to deal with negligent and dishonest practices of loan servicers.
I’ve been paying on my student loans for 10+ years and currently have $19,000 worth of loan debt remaining. Receiving an education is never a bad decision in my opinion but being burdened with thousands of dollars of debt makes one question otherwise. In hindsight I wish I’d waited until I could pay for my education without taking on debt.
“Student debt is a something that has been sold to us with such repetition and intensity, that most people believe they can’t live without it.” The system is flawed and it needs to change.
If you’ve already watched the episode, what were your thoughts? If you have not watched the show take a look and let me know what you think in the comments below!
Just a quick heads up, the language used at times is not appropriate for children. So make sure your little ones aren’t around. 😊
Online Shopping has been one of my biggest weaknesses when it’s comes to money, for me I find personally more clothes that I love online rather than in store. This meaning that a fair bit of what I buy doesn’t fit or look right and more often than not sits on the floor of my wardrobe for months which is such a waste. Finally I’ve decided to curb this wasteful habit - thankfully ASOS allows free returns and I was able to get my $200 back easily! So much nicer to have the money back then have it either sit on the wardrobe floor for months or eventually sell it for far less than what I paid for. I do often sell on clothing that doesn’t suit me as it can be easier than the hassle of returning parcels back overseas, but next year I’m trying to focus on purchasing 1 higher priced good quality item rather than multiple low quality pieces. #asos#budgeting#saving#finance#newzealand#clothing#style#love#money#debtfree#debtfreecommunity#debtfreejourney#online#onlineshopping#shopping#fashion
Does the temptation for a takeaway or eating out increase during December? Take a look at our latest blog post (link in bio) to see a couple of hints and tips as to how best to budget for this as we all know that saying no isn’t always easy!
The three must haves to sell your home:
- The right price
- The right agent
- And of course, the right buyer
You have control over two of these, so make sure you aren’t chasing the market with your price, dropping it along with everyone else. Be ahead of the market. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Making sure you have the right agent is vital - so shop around, meet the agents for a coffee, ask them why they want to sell your home.
Getting ready for Christmas... How is it only 2.5 weeks away. I haven't done any Christmas shopping yet 😣 still waiting on my payday next week before I go and do it all. I'm glad my family does secret santa so I don't have to buy as much stuff
When you start from nothing, when you come from nothing, it makes you hungry. I am proud of where I came from and I know what I want. I don't know where my voice and talents will lead me, but I will stop at nothing to win... in my own time and terms.
I did a much needed pantry stocktake and clean-out this weekend. I always work better in a clean, organised space so I am feeling pretty accomplished right now.
I like to keep a months supply of food in my pantry for a couple of reasons. Mainly as a bit of an insurance policy. My husband works in a very niche industry and a few years ago found himself suddenly unemployed. Ordinarily that wouldn't be all that bad as I always kept a $20,000 buffer in our mortgage offset account. BUT that year we had to unexpectedly buy a new car and had spent that buffer (Three engine replacements in a Mazda cx5 - Disgraceful service from #mazda ) So when the sudden job loss hit we didn't have enough backup cash.
Hubby found a new job but there was two months between the last pay and the first pay for the next job and food was tight. I vowed to never be in that situation again (just like Scarlet O'Hara 😂) So I started buying up on the 50% specials at Woolworths and Coles. If pantry items were half price I'd buy 6 of them. I now keep a pretty stocked pantry and it has come in handy as last year hubby again found himself unemployed, but this time there was three months between pay cheques, however we had our meals covered and only had to buy meat, milk and vegetables.
So after the big cleanup I now have a list of everything we have, I know what has to be eaten by the end of the year and can food plan around those items so there is zero food waste.
This is one thing I really struggle with on my debt free journey. I’m impatient. I want results immediately and I’ve had to learn to be okay with the fact that it’s just not going to happen. It restarted this journey countless times due to large emergencies, my car breaking down and so many other things. Debt decreasing even by a dollar is still progress 💪🏼💪🏼
We're super proud to have just bought this new(to us) car with CASH in hand!!! It took me lots of years and a handful of cars to learn that borrowing money for something that drops in value like a rock is a TERRIBLE idea.
If you're going to make a payment on something monthly it better be an investment in yourself and your future!
Put plainly... The first option robs your future because it takes up valuable cash flow in your budget and causes your net worth to head in a negative direction; or stagnant at the very best.
The second secures your future. It raises your net worth. It gives you peace of mind and options(Can't you see the peace of mind on Megan's face?😂). Our lives changed when we made the decision to STOP borrowing money. Yours can too. PAY CASH!!! P.S. WE'RE STILL HERE!!! We've been absent here on social media lately. We've been busy hustling and dialing in our business to where we want it. Don't worry... We will be back soon!!! #budget#budgeting#budgetingtips#money#hustle#hustlehard#cash#cashflow#freedom#bestlife#merrychristmas#christmas#volkswagen#tdi#sportwagen
Geeking out right now! It’s been two years since @cesarsoto34 and I started our journey to becoming debt free. I never in a million years would have thought in two years I had this much money to contribute just to paying off debt. It took ten years to figure it out y’all and it’s still a process.
Step 1 was selling our home three years ago. People thought we were crazy but all I saw was an opportunity to get ahead and this did in fact jump start our progress. Do I miss my house? Yes! But do I regret it, no!? For without this decision we wouldn’t be HERE. I wouldn’t be Reagan and Cesar at Rackspace. Our decision led us to where we are now.
Step two for us was asking for help. @greenpathfinancial was the best decision we made two years ago. I didn’t realize we needed it until we did it. I stepped in the program on a leap of faith and a ton of research and it’s been nothing short of spectacular. Our credit is improving every month and I see home ownership again in our future.
Step 3: find your people. Follow your mentors on Instagram. I read the books. Listened to podcasts. This past summer I came across @thebudgetmom I knew we were doing this right but she just confirmed it. She taught me to track every penny that I spent. But not just track analyze the data. This showed me where our money was going and where we could be cutting back. Without her, I never would have been able to form the realistic budget that I’m starting today and moving into 2020 with. I bought her budget by paycheck workbook on Black Friday and I’ve been just non stop studying up on what this “cash” system is going to look like for us in 2020. it’s going to take trial and error but I’m confident we are going to be making even bigger progress in the next year. Y’all we are $136 away from starting the avalanche method and officially geeking out. #budgeting#thebudgetmom#avalanchemethod#debtfreejourney
Groceries done for the week and went WAY OVER budget 😑 $211.50 but $20ish worth was food for a farmers food drive at Coles (not pictured). At Christmas I believe you should give as much as you can! Wether that be a 90c tin of baked beans or $100 worth of groceries. Give and good karma comes back around the sun. This Christmas I have helped the farmers and a very close friend, who have you helped this Christmas? If you haven't yet then who are you going to help? Noone should be stressed or struggling at Christmas! If you can give, then give!
I am trying my best to get back on the band wagon this week before Xmas. The frozen meals are for lunch or dinners for me and I'm going to meal prep a meat free lentil butter chicken on broccoli and cauliflower rice for lunch/dinners.
If my business degree taught me anything, it’s always to start with the end in mind. Understanding your why is powerful - it allows you to set specific, measurable goals and keeps you accountable. With money, there’s always a tendency to think ‘well the more I have the better’ with the intent just to make and save more more more! But without a clear goal or end state it makes it far easier to deviate from that plan... and buy those shoes 🙊
When setting a goal remember to make sure it is
✋🏼 Time based
Who wants to be debt free?? 🙋🏼♀️🙋🏼♀️ I know we do and are working hard to make it happen! We may even look a little weird when you start watching some of the things we are sacrificing to make this happen.
One of the biggest monthly budget items is food for a family of 6! So I have recently started paying with cash and when I’m out I’m out...so to stay on budget I have found using this scanner is awesome! If I go over I can just start deleting item that are not necessary.
What tips and tricks do you have for staying on a budget and cutting costs?? #financialpeaceuniversity#debtfree#budgeting#groceryshopping
3 44 hours ago
Yeah, this happened! Long story short, my BIL’s dying wish was for his daughter (my niece) to have her 1st birthday celebrations in the USA, specifically New York as that was one of his favourite cities in the world (mine too, admittedly) and also her birthday is on 4th July which is of course Independence Day in the USA. We, along with his wife (my SIL) and my inlaws, want to make this happen. At first I told my hubby just to go and I was going to stay behind because of the expense but then I got FOMO. Not only that but my niece as well as my BIL and SIL are so special to me and I want to be a part of something special. Meanwhile we’ll just be getting home from Hawaii 1.5 weeks before 😂😳 but we’ll cope (USA is a long way from Australia, particularly NYC). We’ll have the money for this as well as these other trips without sacrificing our usual extra mortgage payments or investing. Our travel fund just keeps building and building and I’m glad we’ve been throwing money in it like we have been. Life is short. Enjoy your money and the special experiences it can buy you 💖 #comebudgetwithme#debtfreecommunity#debtfreejourney#debtfreeaf#debtisdumb#budgetlife#budgettips#budgeting#sinkingfunds#budgetsaresexy#debtfreecommunityaustralia#personalfinance#ozdebtfreecommunity#budgetnerd#buildingwealth#wealthbuilding#enjoyyourmoney
33 1954 hours ago
Debt increases daily, Consumer debt increases daily with no end in sight.
Our goal is decrease that number. Let's make it a goal of ours in this soon new year to be debt free.
My dog Emma who lives at my dad's house had to have a visit to the after hours vet today. Cost me $235. Hopefully she starts to get better and we don't have to take her back in. Emma is 9.5 years old so dad was worried he was about to lose her 😢 After my parents divorce last year (my mum left him) Emma has become his best friend and he would be so lonely without her. ⬅️ Swipe for some pics of Emma 🐶
9 15422 hours ago
Popular Instagram Photos
Louder for the people in the back! Stop getting one-time-use clothes!
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I keep seeing these ads all over the place for family Christmas PJs. You know the ones, they're super cute looking and the family all looks so happy and not at all chaotic and stressed and you're like "YES! THESE!"
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And next thing you know you've spent $100 getting 4 sets of PJs that say something ridiculous like "best Christmas ever" on them... and ya know what happens? You never wear them again. Or worse! You lose them before Christmas morning and you don't even have them for the cliche Christmas morning picture.
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Shots fired, y'all. But we're going there! Just STOP IT! If you want to get your kids Christmas PJs, get plain ol' plaid ones that they can wear all year. But for the love of all that's good and holy...
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STOP BREAKING THE BUDGET ON ONE-TIME THINGS TO LOOK CUTE ON INSTAGRAM.
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Get your whole family a membership to the local zoo or aquarium (even if it's a smaller zoo or something like that, it's a blast) for the whole year instead. (Or you could get PJs for everyone for the next year that are normal!)
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Do something BETTER than one-day-$25 PJs.
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Ok, I'll hop off my soapbox. 😘 We cool? Ok good.
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Talkin' to you, @inspiredbudget 😘🤣 Hope you got the kids some PJs they'll wear more than once!🤣
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Have you ever done matching Christmas PJs for your family?
Let me know in the comments! 👇👇👇
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🎉🎉Congrats @debtfree_kristan 🎉🎉 It's finally here! If you were wanting the Live Rich Planner after it sold out, now is the time to possibly get it!
One lucky winner will receive the following:
ONE YELLOW BBP WORKBOOK
LIVE RICH PLANNER
ONE SET OF CASH ENVELOPES
TELLER SLIP STICKY NOTES
1. Like this post.
2. Follow @thebudgetmom
3. Tag 3 friends that would love to win.
Make sure you tag each friend in a separate comment for more chances to enter. Three tag limit.
Giveaway ends on Monday, December 2nd at 8:00pm (Pacific Time). I will be announcing the winner on Tuesday the 3rd.
Feel free to share this giveaway in your stories. I would truly love and appreciate it.
This promotion is no way sponsored, endorsed or administered by, or associated with Instagram.
At the beginning of the year, I made some changes to get our finances in order, and this has been one of the most rewarding actions. This is the first year I haven’t been stressed about spending money on Christmas gifts. 🤗 All you have to do is just start..make it a habit each month to put away some money. It’s hard to think about saving for Christmas in January/February but it’s so worth it!
Creating new habits are important. They grow stronger and stronger over time and become more and more automatic. These automatic habits will help you reach your financial goals.
When creating your vision board or writing down your goals for 2020, make sure you add these items.
21 91130 November, 2019
Hey Guys! A lot of you have asked where my budget template is from and how I’m able to add it to my personal planner, so this video explains both! ❤️Template purchased from @thebudgetmom
42 9114 December, 2019
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. ❤️
34 6945 December, 2019
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