The story behind my wardrobe choices is long. To get to this point was a display of various strengths and weaknesses, turned into strengths.
I love my wardrobe, truly. It makes me feel classy and casual at the same time. This wardrobe is effortless and timeless and it makes me feel put together almost always.
Whenever I look at my wardrobe, I am transported back to different times. I used to fret over my clothing not looking good enough. I didn’t have good enough pieces for different occasions. • Can we really wear a boxy jumper to the gym?
• Will leggings really be okay for sleeping?
• Do people judge us if we lounge in our Dad’s hoodies?
Darlings, we can wear whatever we forking like. Seriously. Black may be traditional to a fruneral but if your best friend told you that their favourite colour was pink when you was 23, wear it - if you felt it would be laughed at graciously by said best friend. Yellow might not be the wisest choice for an interview but it’ll make you stand out in a line up and probably give you a little confidence spark too.
A lot of these clothes that are pictured have come and gone and then come back again thanks mostly to having the luxury of a sibling to swap clothes with.
The yellow top was a favourite worn consistently for many months back but then the idea of colour was welcomed in my wardrobe. Then, it threw me... how dare I wear colour in a minimalist wardrobe!
The black and white top was second hand from my last mental health hospital stay. It’s simple yet stylish so I can wear it to lounge about or to a work meeting.
The black bag was brought when ‘happy quotes’ was a trend and I still love it now. It’s plain one side, so if I don’t feel like spreading positivity one day, I just flip it over and vice versa.
Some of these clothes have seen me through some dark times. They made me feel great when life literally looked bleak. They make me feel like a Sex God and my favourite clothes actually helped me gain the courage to kiss a girl when I wasn’t drunk for Christ sake.
I appreciate my clothing.
I wear them repeatedly.
They increase my happiness.
And now, I rarely get an urge to buy anything else.
We used to go get sonic in college ALL🥤THE 🥤TIME. Weekly you could find us in one of the parking spots there enjoying a shake or happy hour slush. We just had a Sonic open up 9 minutes from our house, so I knew we had to go! •
As we drove out there last night, Tyler brought up how this made home feel like we were still in college. While we were dating, we did not act like we were married. Married people are able to enjoy many things dating people should not. As often as I joke that we wish we were still in college (we LOVE FHU), we got to pull up into a driveway, walk inside our home, and cuddle on our couch watching a movie. Because we are MARRIED. •
Being married to my best friend is SO much better than a “less responsibilities” life in college. Marriage is so much more fun. So for those of you who might feel stuck in the middle...you’ve been dating a while, perhaps you are engaged...your weekly trips to sonic or Taco Bell may feel mundane, your not married, but oh you wish you were..when you are 2.5 years married with many responsibilities, you’ll look back and every now and then want to relive those times. You’ll be thankful you had them.
I pray that you’ll be even more thankful that you get to walk back into your home with your spouse and feel blessed to be married! #aloveletterlife#loveletterlife#daveramsey#gazelleintense#debtfreelife#debtfreejourney#debtfreealabama
Dave Ramsey Solutions✨
For our 5-year wedding anniversary,
My husband took me on a trip to Nashville (bucket list for me). We went to some stores I’ve been wanting to see, the Country Music Hall of Fame, and then we visited the Dave Ramsey headquarters!
John isn’t as into budgeting and baby steps as I am, but seeing how happy this visit made me, made him happy. Dave wasn’t in that day, so we walked around, read the history of how it all came to be, and visited the bakery (where everything is complimentary = free!)
The staff was incredibly sweet and made us feel so welcome. While you’re not supposed to take trips in BS2, we decided we needed some quality time together, especially before John’s deployment.
The trip was amazing and perfect for our anniversary (and hot - 100 degree days😵) and it’s one I’ll remember forever. John went above and beyond to make it great, and he did a spectacular job.
Where’s your next trip to? #debtfreecommunity#daveramsey#daveramseysolutions#daveramseyheadquarters#allcash#booksandbakery#complimentary#nashville#weddinganniversary#anniversarytrip#qualitytime#marriage#debtisdumb#cashisking#livelikenooneelse
This is the credit card I am snowballing right now. I spent so much money on it for Christmas almost three years ago and also took out a $500 cash advance to help my sister with a student loan. 😑 Anyway, based on my budget, it is scheduled to be paid off November 17th. 🎉🍾🎈🎊 My family and I decided a few weeks ago that we are having another gift-less Christmas this year. We did the same last year. We will share a nice meal together, take pictures wearing our matching pajamas, and watch a Christmas movie, but that’s the extent of our celebration. We didn’t buy gifts last year, and honestly, it was amazing. A year later I don’t regret it. Why spend money on things people won’t watch, eat, use, or wear? That money can go toward debt instead. Plus, I would rather spend my money traveling. After Chicago, hubby and I will have taken three trips this year. Happy Sunday. ❤️
2 458 minutes ago
I’m looking into donating plasma starting next Saturday. First time donors are eligible for a promotion totaling $500.00 if you donate 8 times. I hope I am able to donate. I have a heart murmur, and I read online I may not be able to. However, I thought I’d still look into it. I’ll have a physical done at the facility early Saturday morning to see if this is an option for me. Has anyone ever donated plasma before? What’s the craziest thing you’ve done to get some cash while on this debt free journey? If I did get that $500.00, it would all go toward my third credit card. I’d definitely be able to pay it off quicker.
Such a fun Sunday 😂. I got some washing done and went to work today which helped me get prepared for the week (and catch up on some marking). I had some me time when we all had a sleep this afternoon, my husband did the shopping and I was able to do a little bit of meal prepping. Finally I sat down to write up our expenses in our cash envelopes ✉️ from the last couple of weeks. I’ve been really slack keeping them up to date, but with everything that is going on, plus still being sick, I am forgiving myself. I can definitely see that we spend way more when we just tap our debit cards 💳 so I am looking forward to using cash again to reign in unnecessary spending. .
I hope everyone else had a productive and enjoyable day too 💛
2 331 hour ago
I've been looking at different retirement accounts, because once we become debt free and save up 6 months, I'll start adding to one of these.
I haven't been adding to any account so far, which I feel very uneasy about, but I've always been of the mind that I never want to be FULLY retired for the sake of boredom and a little extra income.
One thing Jon didn't want to compromise on this debt free journey is his contributions to his 401K because his employer matches very well, so he's been adding a chunk to it since he's started working at his job.
Which of these do you recommend/have experience with? I'm doing research of my own, too, but I've always found word of mouth to be the most revealing/helpful!
P.s. If/when we do have a child or a couple of them, I will be a stay-at-home mom, which would obviously play a huge factor in the decision to open one of these. Also makes me more uneasy, but I do plan on working again once kids are school-age (and doing some side hustles while I'm home) 🙃
Thank you all so much for your supportive comments and messages about my last post. I’m so glad to be back and part of such a positive community 🙌🏻 This is my debt total as of today. I’ve definitely gone a few steps backwards, but have to remember I’m still so far from where I started! I’ve thought of so many strategies to pay these off - my zip account is interest free for 2 years so I thought about saving that until last, and my $9000 personal loan offers no redraw or possibility of borrowing the money back (unlike my other loan or credit card) so thought maybe I’d try to knock that one out first. But in the end I decided to just stick to the classic snowball because I know it works! My payslip will come through tomorrow so I’m busy setting up my budget to work out exactly how much can go towards that snowball this week!! #barefootinvestor#daveramsey#babystep2#debtisdumb#debtpayoff#debtfreecommunity#debtfreedom#debtsnowball
1 272 hours ago
So it’s been a while....
It’s been real tough lately and that’s just putting it lightly. It’s amazing though how much being financially stable has allowed to put focus into other aspects of my life.
Nonetheless I left for a bit because I found that I didn’t have much of a place in the #debtfreecommunity . You’ve got people who are gazelle intense with money and then every now and then buy a mcflurry and then talk about how they want to “keep it real” and then you’ve got other pages who market themselves as budget pages but live paycheck to paycheck. I mean you do you but I didn’t feel like I could relate to anyone so I checked out for a bit.
Savings account is currently sitting at $12k but I’ve opened up some new sinking funds: beauty, travel, dental and miscellaneous.
It’s been me and my son for a while so that took some adjusting but I forget that social media is realistically about sharing your life but you can interpret that anyway you want and I just want to keep this page because it really did keep me accountable.
Ted has learnt a nasty habit from my mums dogs. To bark when someone comes to the front door or near our cars, and when he is alone. Unfortunately we have had a complaint so I I’ve invested in a collar to help train him. I’ve been working steps to train him without it and it’s just not working. If someone knocks on our door or pulls up in my mum’s driveway during the day he goes absolutely nuts and it’s so loud.
I was thinking about how student loans are represented in popular culture... in Gilmore Girls, Lorelai doesn’t want Rory to graduate from college “buried in loans.” I also remember listening to a podcast with a women in her 40’s who was so happy to have finally finished paying hers off.
We don’t have as many representations of HECS debt in our popular culture, but I’m sure there are some examples out there.
Do you have any examples of student loans in popular culture? I find this stuff fascinating 🤓
5 724 hours ago
The use-up project continues at our house. One tub of moisturiser for the recycle bin 👍🏼 I really liked this one so would get it again, however we have more than 4 tubs/bottles to get through first 😳
Ending a quiet week with my boys (besides a morning tea for our big boy this morning)! Nothing to big has been achieved, except soaking up my last couple of weeks as a stay at home mum and continuing my #springflingit I have moved onto my laundry and bathrooms to move on anything we no longer want/use. Got a few toiletries given to me when I had Xavier (our hospital give out ‘mum packs’ and I moved rooms so had multiple) and I have never used them so I collected everything unopened and will donate tomorrow to our local baby charity. Everything now fits where it’s meant to and there is empty space which I love! It always amuses me no matter how many times I declutter I still find out of date items 2013 gastro stop anyone? 😂 (If you’re interested in my laundry check out #budgetmumblogreno for where everything is from including the tiles 😍 - still my favourite) #budgetmumblog#budgetlife#frugalliving#budgetmum#debtfreecommunity#debtfreecommunityaustralia#ozdebtfreecommunity#savingmoney#budget#daveramsey#decluttering#springcleaning
3 years ago I had my “I’ve had it moment” I remember being at risk of losing my job and my keeping up with the “Joneses” lifestyle finally caught up to me. I was paying for Wendy’s 4 for $4 with coins because I literally had no money. I was maxed out on all my credit cards overdrawn by hundreds in my bank account and not a plan to get out of debt in sight. I had a mini panic attack and called the @daveramsey on a whim and suprisingly he picked up and gifted me Financial Peace University.
I knew then and there that I was going to change my life around because I never wanted to feel the way I felt that day ever again. I also knew that I was in big trouble and in order for me to make drastic changes in my finances I needed to take drastic steps. I ended up picking up every overtime shift I could, canceled my credit cards, made big cuts on my budget, sold stuff on offer up and facebook marketplace and lastly turned in my leased 2014 infiniti q60. For the first 6 months of my journey I had no car and no social life, I saved up and bought a 1993 Toyota corolla. People thought I was crazy or I was going through a tough time but in reality I was setting my future self up for success because in these past 3 years I have grown so much as a person, and I’m proving that single people can pay off their debt also.
I now have the student loans to tackle next before I can say I am completely debt free but I am 100% confident that not only am I going to crush this second part of my journey but that I have forever changed my life and the lifestyle I had before this journey is completely gone and I dont miss it. I couldnt have done it without the help of Dave Ramsey and the #debtfreecommunity here on instagram and ofcourse my dog 🐶 Valentino. I hope this post inspires you to start your own debt free journey because it will be worth it trust me it won’t be easy but 100% worth it. I promise you ❤️🙏🏼 #debtfreecommunity#debtfreescream#daveramsey#daveramseybabysteps#budgetplanner#wordsofwisdom#youcandoit#bestrong#buildyourwealth#daveramseyplan
8 years ago today, my brother and I summited Kilimanjaro. Mentally -not physically one of, if not the toughest thing I have ever done.
It’s funny because something like Kilimanjaro makes you appreciate the things you have and how little you need and much you value and appreciate little things ( like toilet paper and unfrozen clean water) 😂😂😂 I had turned 21 and was totally blasé about what the hell I’d signed up for.
A super quick and easy meal prep this week. We are going to hit 30 degrees on Thursday 🙌 so it’s salad weather.
Grilled chicken salad with lemon infused olive oil and a boiled egg.
Yogurt with berries, I’ve started layering it, it tastes better 😂.
My sons fruit, with a box of sultanas each day.
A cake each day (donuts were reduced to $1.00 for a 6pk so I picked up a pack)
Turkey salad rolls for next two days, then he has 3 days of cheese/bacon rolls (also picked up for $1.00 pk - wasn’t worth me making this week at that price).
Though I have a feeling I will be adding to this - he is eating me out of house and home at the moment 😂.
Our super easy dinners for the week.
I’ve washed all the salad ingredients ready for each night, mon we will add some roast lamb, Tues and Wed is rush nights so easy spaghetti bolognaise, and Thurs are sausages and salad. I’ve boiled a heap of eggs to add into the salad or for snacks.
Friday is homemade pizza night. We make our dough in bulk batches, divide them up into individual pizza sizes and freeze them ready for these nights.
Sat and Sunday we will play by ear.
Still feeling average so that’s all the effort I’m putting in this week 😂.
Its been a little while since I’ve shared a @daveramsey#financialpeaceuniversity update for our family. With us working in education and having time off in the summer we kind of hit pause on the full steam ahead and decided to enjoy our time home with the kids and loosen up the reins on our spending. We did a lot of camping, eating out, lots of extra gas money visiting family and fishing. We decided to do a few little house projects. We said YES a lot :) We did NOT go into debt to do these, but that was all money that could have gone to our debt snowball. And you know what, I don’t regret it! We had a great summer and that small taste of financial freedom has me motivated to stay the course so that soon, that will be our norm. But we’re back at work and buckled back down. Made some good payments this month and hopefully we will have our FINAL credit card paid off next month. #financialpeaceuniversity#fpu#babystep2#debtfreejourney#debtfreecommunity#debtsnowball#daveramsey#daveramseybabysteps#financialfreedom
1 76 hours ago
Frugal friends, this picture may not be the most beautiful but it does represent two ways that I save money everyday. The first is reusing containers, this squeeze bottles first Life was as a mayonnaise container, when it was empty I cleaned it out and have repurposed it as a pancake syrup container. Which leads me into the second thing, making things at home. There are some things that you can make at home which are much cheaper than buying them at the store. Pancake syrup is one of them, it costs cents to make pancake syrup and under 5 minutes. It also stores really well in the fridge, so you can make up a batch and keep it for those days when you’re having pancakes or waffles. Here’s the recipe:
I’m not selling top secret personal finance tips. I’m not even selling advice that only an exclusive group can access. It’s all right there in print form at your library. It’s available online via several knowledgeable bloggers who haven’t even put this info behind a pay wall. What they, I, Dave Ramsey, or any other personal finance “expert” can’t sell you is SELF DISCIPLINE. Before you ask how to improve your credit, save to buy a house, stop living paycheck to paycheck, get out of debt, etc...ask yourself if you’re now ready to exercise some self discipline. Regardless, there will always be someone waiting to take your money. #PersonalFinance#BadCredit#Debt#StudentLoans#GoodCredit#House#DaveRamsey#SuzeOrman#Free#LibraryBooks#SelfDiscipline#FinancialCoaching
0 37 hours ago
#ChicLikeDfS My face when I realised you could copy my look for less than $100! I have linked my outfit in my bio for you to check out for your next cute date night outfit
Playing around with cheap D.I.Y wedding decor. Wanting to go very natural for our wedding so everything can be discarded and only used once without impacting the enviornment. So far we are thinking these hanging from a giant tree with fairy lights (which we will keep), old rugs as picnic blankets, old jars for cups and wooden cheese boards that have been thrifted. Any cheap, eco-friendly or D.I.Y wedding ideas? Would love to hear your thoughts!!
5 287 hours ago
Go grab me some burgers 🍔 and beer 🍺! 🤣😆😂 Keep the meals simple if you want to save money! You don’t have to “eat fancy” all the time! •
It’s been a busy week but last week I worked 5 shifts for a total of 60 hours which includes 20 hrs of overtime! I worked 44 hours the week before, so this paycheck will have 44 hours of overtime for the 2 week period. 😎 I love nursing for the fact that I work 3 shifts a week and I can work for 3 nights, be off for 2, and then go back to work instead of being 9-5 5 days a week. #debtfreecommunity#daveramsey#babystep3B
1 47 hours ago
كتاب" الأب الغني و الأب الفقير" لروبرت تي كيوساكي، كتاب يغير نظرتك الحالية لحياتك الماليه، الكاتب يصف فيها تعاليم والده الغني الاستقلال المالي و الثراء و كيف والده الفقير لم يستطع تعلمه هذي الأمور.
مبدأ الكتاب هو :
مبدأ الكتاب هو تعليم القارئ كيف يستثمر وقته وماله للاستقلال المالي و الشخصي.
رأيي الشخصي :
كتاب جيد جداً للقراءة والاطلاع، يعطيك وجه نظر جديده
التقييم الشخصي :
✨ SIDE HUSTLE | I thought this notebook & pen set I got for my birthday in July were perfect for the journey I was about to embark on..
Today I started my first day of spin class instructor training! You know that crazy trend sweeping the nation lately? People hopping on stationary bikes and sweating out their lives to bomb ass playlists? It’s fun, it’s intense, and it’s a GREAT workout. Well I’m training to be the person who coaches you through that amazing workout!
Today was the first day of seven days of training, after which point I will have to put on an audition for the owner of the studio. I will have to lead her (and any friends and family who want to come support) through a class I’ve put together myself!
There is no guarantee of being hired once the course is completed, but honestly, I don’t care. As someone who has struggled with severe lack of self-esteem and severe social anxiety, it’s a huge step for me to even take the course at all! This is probably the most beautifully uncomfortable thing I’ve done in a long time and I couldn’t be more excited (especially since I get to go through it all with one of my best friends right beside me ❤️).
Today we introduced ourselves, talked about why we want to teach, what our core values are, and what we feel may be holding us back. We also went over bike setup, and learned some basics about beats per minute in songs and how it relates to RPM on the bikes.
It was so much fun and I’m only getting more and more excited. Hopefully this is just a precursor to a wonderful fitness CAREER in my future. That’s the dream right now - the reality is, this is going to be an incredible (to me) experience and hopefully a great side hustle! As far as I know, instructors can make up to $75 for one 45 minute class 👀
I’ll continue to share this experience with the wonderful DFC as I continue on ❤️
Also, one of the prompts we had to answer was, “what would a loved one say to you if you disclosed your worries to them?”, so Sam and I traded books so we could really see what a loved one would say to encourage us, that’s the last slide ❤️ Very grateful for a friend like Sam ❤️
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1 1010 September, 2019
Who are your mentors?
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2 910 September, 2019
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The sad truth 😂 jokes. For real tho, monthly/fortnightly/weekly payments SUCK! Im glad we can crush this habit now, teach our kids good money habits and set our family and future generations up. It really does run that deep! Remember, Cash is King. Cash flowww is Queen 😜〰️ #wavy#issavibe#cream#legacy 💸💸💸
56 1,22713 September, 2019
It’s pay day, how many of you actually paid yourself before paying your bills?
There are many advantages to paying yourself first. This is literally my #1 rule when it comes to financial health. One of the biggest advantages to paying yourself first is that you’re able to stick to your budget and not borrow from your bill money.
💬Raise your hands in the comments.
If you’re living paycheck to paycheck and literally can’t pay yourself first without being further behind in your bills, you need to 📱Download my BREAK THE PAYCHECK TO PAYCHECK CYCLE ebook. Where I help you:
💰Understand and acknowledge your current financial state
💰Stop unnecessary spending today
💰Pay off your debts so you can save more money
Those are just some of the things I cover in the ebook. 🔗LINK IN THE BIO.
We finally did it!! We said no to a lot of things so we could say an even better yes to our mission. The mission to live like no one else so we could give like no one else. We couldn’t be more grateful for the wisdom taught from Dave Ramsey & his team. *
From student loans, car payments, medical bills, credit cards, to moving expenses totaling $91,824.40 dollars...We can scream it from the top- WE ARE DEBT FREE!! *
We are debt free!!! Yesterday we paid off our last student loan! We paid off $264,042.16 of 4 masters degrees between the 2 of us including physician assistant school, a graduate degree in psychology, and seminary. We started Dave Ramsey’s baby steps in January 2017. Along with God’s help it took many part time jobs, working nights, keeping our 15+ year old cars, and living in a one bedroom apartment to pay this off. We are so excited that our 2 month old son will never know his parents to be in student loan debt. We hope to teach him God’s ways of handling money and being outrageously generous. Thank you everyone who supported us along this journey. Along the way we have cash funded a PhD and the birth of our son. We are so excited where God will call us next as my husband is a candidate for ordination in the ELCA-Lutheran church. We are so excited to be able to do this debt free and not have to worry about debt weighing us down where we move next. #daveramseybabysteps#debtfreecommunity#babystep2#rachelcruze#physicianassistant#paschool#daveramsey#lutheran#thriventfinancial#everydollar#financialpeaceuniversity
#repost@_kristhy 🗣🗣🗣 I DID IT! I’M DEBT FREE!! 🙌🏼🎉🎊
One year ago, I started my debt free journey to pay off my remaining student loans, credit card, and my brand new car (Total of $35K). In March, I finished paying off my student loans balance and last week, I made my last payment towards my car. Paying my car off FOUR YEARS in advance! The journey wasn’t easy. It meant saying no to things I would have normally not thought twice of. Every penny, every sacrifice, every conscious and intentional decision, and above all the discipline to remain focused; it was all WORTH IT !!!
Thank you to God and to the best support system I could ask for. ❤️My partner for life and the bestest friends❤️ They have each encouraged me, pushed me, held me accountable, and cheered on every little victory there was along the way! •
To think I’m not even 30 yet and I have no payments at all makes me ecstatic for what the future holds!
Payments and debt are normal, BE WEIRD!!! 🎉
• #DebtFree#DebtFreeCommunity#DFC#BabySteps#BS2#DaveRamsey#FinancialFreedom#MoneyGoals #Budget#EveryDollar#DebtSnowball#CashEnvelopes#DebtFreeScream