Are you a saver? Some people have the discipline to save consistently and to save money in large amounts. That should be the goal. This is something you can effectively do if you're debt free. If you're still paying off debt then you won't be able to save effectively. However, you have to get into the rhythm of saving. So begin with what is called a "Starter Emergency Fund". This is at least $1,000 put to the side incase of emergencies. Some people make it higher, sometimes one month of expenses. The point is to have this in place first to then go aggressively eliminate debt. Once you eliminate debt then you can go back and save aggressively. We turn that "Starter emergency fund" into what is called a "Fully Funded Emergency Fund". This is 3 to 6 months of expenses saved. Then after that your extra money can be used to save for that house, car or college savings for kids. Savings is important! It's your vehicle to reach goals. So let's get that going!
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Keep your income options open, the average millionaire has about 7 streams of income. Serious inquiries only please as we are very busy helping people go places they have never gone before 🙏🏽. Comment “MOVEMENT “ below and I’ll send over information.
1 15 minutes ago
A solo mitad del primer mes del año 2020 y cumplimos 1 de nuestras metas para año!
A nosotros nos llegan múltiples cartas prometiéndonos ayudas con consolidar las deudas (billes médicos, tarjetas de créditos y préstamos personales). Casi todas dicen “Become Debt free as fast as 48 months!”. 😒
Desde que estoy ejerciendo esta carrera tengo las certeza y paz mental de que los servicios que ofrecemos SON LOS MEJORES! 💪🏽 #nomecabeduda#orgullosadeloquehago
Atreves de mi compañía conseguimos que nos negociaran las deudas y vamos a pagar la mitad de lo que pagábamos antes en billes al mes. Lo mejor de todo es que están consolidadas las cuentas en 1 solo pago, directamente a una sola compañía y ellos se encargan del resto.
Cada familia es un caso particular, pero de que se puede se puede! Busca ayuda…empieza hoy llenando tu info utilizando el link en mi bio y la consulta es gratis. Te dirán tu monto total y tú decides si aceptas o no.
January 2020 student loan payments off to a good start! 💥
1 110 minutes ago
It’s Day 6 of our week of praying and fasting @gracelife.church! .
Last fall, the gal to my right had asked me to do something crazy scary! She heard me speak at a women’s event, and although she barely knew me...she felt the nudge by God to lead a bible study AND she felt like it should be one of my devotions! Now, I’m brave with most things! I dream bigger with most things, BUT I had never taught a bible study using MY own bible study! It was scary! It was terrifying so I didn’t respond! 😂😂😂🙋♀️A week later, you know this persistent beauty reached out to me again...asking me again to lead this bible study! She had no idea that I had been writing this book that I was scared to publish...a book about identity and being all that God created, shedding the weight of our pasts, and insecurities, and shame and inadequacies so we can walk in the boldness of who God called us to be! She had no idea that I had run from the book, wrote other books, did everything to avoid doing what I knew God had called me to do! And God said, “Shelly, it’s time to press send to publishing this book!” Yikes! These gals pushed me to do it scared! Do it before I felt ready! And y’all, today we had our very first bible study on “I Am!” And y’all, it was insane! And I wish I could take credit for it, but God and these amazing women made today possible! They believed in me when I doubted myself and my abilities. They believed in me when I was afraid to step out! They believed that God wanted to do something through us and for that, I’m forever grateful! And today I learned, you don’t have be ready! You don’t have feel ready! You don’t even have to have it all together! All you need to do is obey and show up! Come on God! So to the 20 women who signed up and the many women who showed up today, Thank you! And to you, who have supported this crazy God dream, thank you for your encouragement and believing that with God it is possible! So do it scared ladies and gents! God has already equipped you! He will give you what you need exactly when you need it! Will you obey and do It scared!
Thank you Camden for opening your arms to me and my family! We cannot wait to open @eugrill!!!
2 510 minutes ago
Do you feel that the cost of your college education was worth it? Are you working in the field that you got your degree in? Share your answer below.
2 611 minutes ago
Join us this Sunday night at 6pm for a financial freedom service, bring your copies of your DEBTS 🧾 as we will be burning them live as an act of faith for breakthrough. This service will be bilingual so don’t come alone!
Únase a nosotros este domingo por la noche a las 6 p.m. para un servicio de libertad financiera, traiga sus copias de sus DEUDAS ya que las quemaremos en vivo como un acto de fe para el avance. ¡Este servicio será bilingüe, así que no vengas solo! #debtfree#sundaysatsc
0 211 minutes ago
Ugh. This is the WORST. We both get paid the last day of the month. We pay all of the bills the next day and transfer everything else to savings. Today my husband remembered he had charged some stuff on our Lowe’s card and didn’t pay it. It was three days late. The $30 transaction was hit with a $22 late fee and on top of that we will owe interest next month. So I’m not happy, as you can imagine. However, pain is an intense memory and I’ll be making him check his Lowe’s account every single month now. And to be fair I’ve forgotten stuff before too. But still. Not happy. #stupidtax#latefee#dfc#debtfree#savingmoney#savings#creditcards#mortgagefree
Our goal is to Assist 20K families in the area of Financial Literacy and Credit Restoration in 2020‼️ We are having informational conference calls ALL day... DIAL-IN: 515-606-5187 access code 826958#. In the event your get a busy ring to here is a backup number to use. DIAL-IN: 425-535-9174 enter the original number of 515-606-5187 access code 826958# and contact me afterwards at 12 PM, 2PM, 4PM, 6PM, 8PM and 10PM ALL CENTRAL STANDARD TIME ‼️ Get this powerful information it just might be the what changes your life.....
1 114 minutes ago
I have two consumer debts left, my overdraft and Halifax credit card. Currently, they are both interest free but they are due to start charging interest at the beginning of Summer. I have decided to start paying my overdraft back first, as I can cope with credit card payments per month but I don’t think I’d be able to cope with daily charges for being in an overdraft. Hopefully I’ll get it cleared in time!
This month, I budgeted $130 for my gas bill BUT my actual bill is only $47 (weather hasn't been really as cold here in ATL)! Therefore, I'll have about $80 “extra” in that budget line item. Wooohoo🥳!
So, what happens when you budget for a variable expense at the beginning of the month, like utility bills or groceries, and you realize a small win because the bill comes in less than you budgeted for? 😄😄😄!
Me: GET YOUR NAILS DONE SIS🤪 Also Me: No.😒.
In all seriousness, there are 4 things I do with these, what I like to call, budgeting bonuses:
1: Leave it alone! Save those budget bonuses for budgets busts (it happens more often than not 🙃).
2: Use it to pay off debt! #Debtfreegoals ✨💸!
3: Roll it over to a sinking fund that’s low or towards your emergency fund as a cushion!
4: Treat Yoself! 🤪Do something small as a gift for having good money management skills😉.
Budgeting is not just about being responsible, it’s rewarding too!
By the way, I’m throwing $50 towards debt and $30 towards fun because ... long weekend🥳🤪✨! What do you do with your budget bonuses?
SURPRISE! We are adding a new budget item to our monthly expenses starting 2020. Meet Tugger and Bella 🦁🐯2 recused kittens that arrived Christmas.
🦁Tugger is the handsome orange 🍊 boy. He is a long haired picture perfect cat but BOY is he challenging!!! When we first got him, he would run away from us, hide under the couch, bite us if we put him in the crate at night. He LOVES his sister and watches her do everything first. He was super scared and actually hid behind the dishwasher. We had to remove the dishwasher to get him out. This feisty boy is now hanging out on the couch and loves our chunky wool blanket. We tried naming him Oliver to surrender an olive branch but he was a constant Tugger, pulling forces and keeping us on our toes. He has come a long way and we can pick him up and love him without getting our face chewed off 😂 .
🐯Bella is a mush!!! She loves to cuddle, play with cat toys that make a sound or has a bell 🛎. She is the first one to explore new places or things in the house. Because of this we were going to call her Scout but that is also the name of Matt’s work so we changed it. .
Cat food, litter, toys, litter box and treats all purchased for January. We will be budgeting about $30 a month for them to start. What do you budget per month for your furry friends? #babysteps#debtfreecommunity#debtfree#debtfreejourney#debtfreescream#babystep2done#babystep2#cashenvelopes#teach#budget#travel#daveramsey#frugal#imdebtfree#cats#catsofinstagram#catstagram#kitten#orangecatsofinstagram#tigercat
1 523 minutes ago
We're a large family, we live on 1 income and we're debt free! (Other than our mortgage). How is this even possible!
One of the major things that helped us become debt free was learning to say NO. We said no to vacations and trips. We have not travelled a lot in the last 10 years. If we did it was completely cashed flowed. Any trip with a large family can be a small fortune so we chose to do day trips. We said No to upgrading our house unless it because a maintenance issue and needed dealt with promptly and even then it was cashed flowed. We said no to car payments. We drive vehicles that are older than our children 😆. (In another post I'll talk about our car journey). We do 95% of our own car maintenance as well. We said no to a bigger house. We said no to brand new clothes for our children unless it was a great price. We said no to an extravagant amount of gifts. We said no to the big TV. We said no to the latest electronics. We said no to all the "best" baby stuff and kept it at a minimum even with twins. We said no to nice furniture. We said no to eating out often. My kids have not been to very many sit down restaurants. We have said no to our children when they thought they "needed" something. We said no to a lot of extra curricular activities and are choosy what we pick. We said no to having a pet until the added expense didn't feel like a burden. We said no buying "fun" food. We hardly ever buy Juice boxes or soda pop. We said no to beauty items. I am very low maintenance and keep my beauty regimen simple and minimalistic. Because we have said No we now able to start saying yes... To a limit.
What have you said NO to, so you can reach financial goals #calmingthechaotic#largefamily#debtfreeliving#debtfree#daveramseybabysteps#daveramsey#financialfreedom#financialgoals#moneyinthebank#money#sayingno#1incomefamily#minimalist#minimalism#no#beauty#familyof9#momofmany#momof7#boymom#girlmom#twinmom#gettingrich
We may have some expensive problems. ⠀
We currently own and I’ll possibly have to make a decision on this tomorrow. ⠀
A new tank is $2500-$3500. We have the cash in savings so we could buy it. But maybe I would opt for a tankless heater which may cost double the price but requires little space ⠀
With renting, I’m reading the rates can increase 3.5% a year & in my province, rates range from $13-$26/month.⠀
In the long run, I’m reading that owning cost less than renting. ⠀
What do you all do?
If you want to be a millionaire, you should budget like one. 💸
If you constantly buy everything that you want & need instead of investing it into yourself and other assets, you’ll never be rich. 👎
Are you budgeting as an average or a millionaire?
I just checked my Mint account and noticed that the payment from yesterday posted. Hooray! There’s only $59K from our original balance of $159K remaining. I used our savings to make the last payment, so we’re going to focus on building up our sinking funds again. The next big (hopefully) payment we plan to make will be around tax time when we get our refund. The plan is to put the entire amount toward either debt or savings. :)
I’ve been on the path to minimalish for a few yrs now. It all started when I moved out the house that I lived in for my last 3 yrs of college. It wasn’t a super nice house but it was large, with lots of storage & a garage. when I moved out all of my stuff, not counting any of my 2 roommates things, it was such an overwhelming amount that I filled up a small moving truck AND 2 cars. It was excessive for 1 person & the big house let me ignore that fact while I was living there. Now I live in a ~850 sq ft house with an average amount of storage and I’m just starting to feel like we are not busting at the seams.
And one thing I’ve learned from both myself and spending a lot of time dog sitting at other peoples houses: The bigger the house, the more stuff you will fill it with. If you are someone out there that thinks that getting a bit bigger of a house is going to solve your space problems, I’m going to tell you right now that it will not, it will only disguise the problem. I’ve been in massive kitchens where I still can’t even open the drawers and cabinets without things spilling out from them. It doesn’t matter how well you’ve organized a place when the problem is with the amount. .
So some advice from me to you: if you feel like you have a disorganization or clutter problem, start with your STUFF, not your SPACE, or else you will always need a bigger house.
1 437 minutes ago
It takes awareness to change a bad habit. You can’t change what you can’t see. And believe me, we don't register just how much money we fork out all the time! 💸✍🏽 Here are a few things you can do to change your spending habits.
1) Do a budget.
2) Take photos of EVERYTHING you spend money on for 5 days and review.
3) Spend 10 minutes going over your credit card statement. Set a timer and really go through each item and reflect on why you bought what you did.
I partake in these often. It can be EASY and REWARDING at the same time! 👇🏽 This exercise is not about sacrificing happiness. It’s about making better choices. ✨
Continue to restore personal credit while you build business credit!
They are related and can help you increase your business lines of credit! .
Click link in bio to start repairing your credit for $1.00 .
Step 2: Get real-time financial updates and personalized saving opportunities. Best of all, you’ll see your money grow.
1 640 minutes ago
Prioritize High-Interest Rate Debts. No matter how much money you make, if you’re saddled with debt, you will spend an inordinate amount of your money paying interest on those debts. Borrowing money is often unavoidable - but, outside of your mortgage, you should strive to pay interest-accruing debts as quickly as possible. As a general rule, you should concentrate on those debts with higher interest rates first. Creditaid can help you with debt reduction strategies.⠀
0 040 minutes ago
Brush up your knowledge of financial terms to help you understand how to make the most of your investments.
1 140 minutes ago
Do you ever make spur of the moment purchases just to realize that you didn’t really want what you bought?
From the time I got my first job at 16 to the time I realized I was drowning in debt 10 years later, I had a serious problem with impulse spending. 😫
*Side note - I have the impulsive type of ADHD and have struggled with these types of things, so if this is you, PLEASE get help. Otherwise, keep reading 🤗*
If you’re constantly in a cycle of buying shit you really don’t need, here are some ways to curb (and hopefully stop) impulsive buying decisions!
1️⃣ Avoid shopping unless you’re buying necessities. This means taking the amazon app off your phone and generally making it more difficult to make purchases unless it’s absolutely dire. ⠀⠀
2️⃣ Stick to shopping lists. I will only go shopping period if I have a list and/or budget to stick to. An easy way to make a list is to use the reminders app on your phone if you’ve got an iPhone. It works wonders!
3️⃣ Don’t make any purchases that don’t align with your goals. If you’re truly wanting to save money, random purchases aren’t going to help you in any way, shape, or form. Keeping your goals in mind can assist with curbing impulsive spending habits. ⠀⠀
If you don’t have any goals or struggle with impulsive buying, check out my YouTube channel on these tips. I will be covering many topics related to spending habits, debt, bankruptcy, and other things in the upcoming future - so make sure to check the link in my bio! 💰👍🏼
3 941 minutes ago
Payment history will make or break your credit score. It is the most important factor making up 35% of your total credit score. If a single 30-day late payment gets reported it can drop a good score (700 or above) 90 to 110 points or more.
Goodbye, Texas! 🤠 This was my first time living anywhere apart from the East or West coasts, and I have met so many incredibly kind, hospitable and respectful people ❤️
Texas is where I:
🤍 began my teaching sabbatical. After TEN long years of teaching elementary school in Los Angeles, San Francisco and New York City, relocating to Texas allowed me the chance to take much a needed break from the classroom 👩🏻🏫
🤍 gained the freedom to begin entrepreneurship. A few months before we left New York City for Texas, I began casually selling my own clothing and shoes on Poshmark and realized that I could turn this into an actual business if I bought clothing for the purpose of reselling
🤍 took a lot of exciting risks. I visited nearly EVERY thrift store in DFW at least once 🚗 I started to grow my inventory, increased my average sale price, lowered cost of goods, strategized and developed an infrastructure and repeatable processes for my business, while ultimately doubling my teacher income.
🤍 started this IG account. Less than 5 months ago, I decided to chronicle my journey going from a debt-free, sabbatical -taking elementary school teacher to a full time reseller and got the chance to connect with so many people I would have never had the opportunity to meet!
🤍 started a YouTube channel. Less than 3 months ago, I started my channel and now I have ~ 6.5K subscribers 🤯 I never in a million years, imagined myself having my own YouTube channel. But you know what? I’m so glad I started creating videos because I have found a beautiful marriage between my two passions: teaching and reselling (and yes, more videos are on the way as soon as I get settled into my new home!)
When I first moved here I wasn’t sure if I was moving to the South, the Midwest or what region of the country this was classified as, but after a year and half here, I've realized that Texas is Texas and it will always have a special place in my heart ❤️ Now back to my home state!
This year I wanted to focus on getting consistent with good habits and intentional with my time, energy, and space.
This is my mid-month check in for Jan with some of the habits I wrote down that I would like to get more consistent with this year.
As I go along I will be adding some new habits and taking some away but the point of tracking my progress is to help me get back into a naturally rhythm consistent with the things that bring me joy, make me a better person, challenge me in new ways and give me peace.
The visual has helped me stay focused but has also allowed me to give myself grace on the days that I don’t check all of the boxes. It reminds me that I am a work in progress and at the very least, I am working on myself :) and working towards the person I want to be.
What are some of your intents for this new year?
10 16246 minutes ago
We talk a lot about planning around here... meal plans to save on groceries. Budgets - which are essentially a plan for your money every month. And the first time I talked about meal plans in my stories, one of you messaged me to say you thought everyone who meal planned was making pot roast and dessert every night - not my 'fancy' mac and cheese and chicken nuggets 😘
I don't want any of you to make this mistake - as a financial analyst, we used to call it "paralysis by analysis" - where you delay doing ANYTHING because you over think it or are afraid of doing it right or not getting it perfect.
This is me giving you permission to just get it started. In whatever shape, form, notebook, scrap of paper you've got. A plan, whether for your meals for the week, your trip to the grocery store, your budget for the month, your future savings goals, for anything, is literally as simple as just giving it some thought ahead of actually taking action, and writing it down.
That's it! What does your planning look like? (And if you'd like a template for your meal plan, you can find one at the link in my bio!)
3 2547 minutes ago
Let’s Get this day started right if we have talked about Credit restoration and you feel like you need a little more information please Tune into my Mentors today as they will give you the whole run down of how our services work. We are on a Mission to Help 20k families this 2020🎉🎊 starts at 1 PM EST
#20Kin2020 Inbox 📨 me 2020 I’ll have something special for you 😇
Dial into: 515-606-5178
Access Code: 826958#
TODAY JANUARY 18th at 1PM, 3PM, 5PM, 7PM, 9PM, 11PM EST
If you are ready to get started today and increase your score
Text”Credit” to 207-417-1033
Today is the first day at my new teaching position. It’s only for the spring semester, but it’s in the program I graduated from so long ago.
I was offered the position before, but always laughed. I was too busy, they can find someone else, etc... but it was a good opportunity for me to grow in my profession, self and wallet💸. .
Sometimes I want to give up paying debt. Sometimes I want to be like everybody else around my age and go buy a house before I'm ready. Sometimes I just want to be irresponsible because I know how easy that is to do.
I refrain from doing that because I remember hearing the word foreclosure growing up. I remember moving suddenly and switching school districts. I remember that once I pay off my car I will have $500 more per month that can go towards savings for safety and security in my life. I remember why I'm doing all of these things in a specific order instead of rushing like everybody else. I have 14k to go before I can start working towards a bigger goal, and then I'll still have to save up for a down payment.
Personally, the thought of getting a brand new car is awesome. The temptation is always there as I’ve never owned a Brand New car and everyday on my commute to and from work I pass new car dealerships. But when that temptation does come over I always have to remind myself of the opportunity cost (explained in blog post) then that urge seems to quickly disappear and realize my current vehicle serves its purpose 😊
Thinking about purchasing a new car or truck. Well it’s going to cost you a lot more than just that sticker price.
Yay. Haven holiday all paid off, so can actually look forward to this easter holiday now.
Only upcoming expense we need to worry about now other than credit cards and sinking funds is the hotel for the night before we fly to florida. We're expecting this to be around £65 and I've managed to save £11 so far towards it and if we stick to budget next month we should be able to reach the 65.
We booked the flights, accommodation and disney world tickets on MBNA credit card 2 so it would mean a lot to be able to cash flow this as well as our food and souvenirs (I'm using the 1p challenge so this in my piggy bank). MBNA 2 will be our last credit card to pay off as its 0% lasts the longest but I don't want to get complacent and add to it at any point. #budget#budgeting#budgetplanning#debtfree#debtfreeuk#ukdebtfreecommunity#debtfreecommunity#frugal#frugalliving#frugalmum#debtfreejourney
0 51 hour ago
Who are we? WE help remove any type of debt on your credit report! WE fix bad credit fast! WE boost your credit scores! 💪
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You have the right as a consumer through the FAIR CREDIT ACT you can dispute these errors that can be holding your credit back from being great. We can help click the link in my bio to schedule your free consultation today.......💳
I’ve been doing a lot of wedding planning and budgeting, and we’re able to do a wedding for 75-100 people (depending on RSVPs—we’re a bit far for some family members) for under $10k! We really don’t want to start marriage with more debt than we already have, so it’s important for us to keep costs low while focusing on what’s important. You can swipe through to see our budget, but I want to point a few things out. First, we are not focusing on tradition here. What’s important to us is that we have a great time, eat some delicious food, and be surrounded by people we love (the guest list is all family and a couple friends). We will be getting married on the beach which is probably our biggest splurge. We found a company here in Long Beach who handles everything—ceremony set up, permits, etc—and are paying a little more for that convenience. Also, we are having the reception at Matt’s work because the owner so graciously let us use the space without any rental fees or minimum expenditure 🙌🏻 So that $4k covers food, beer/wine bar, space, staff, and gratuities. We are so grateful to have this opportunity and likely would have a difficult time sticking to our budget if we were to have our reception elsewhere. The space is also already pretty decorated, so we will need minimal decorations. As for transportation, we will be taking Uber Black because who needs a limo? 🤷♀️ I’m not a big wedding person and think the industry is a bit ridiculous, so it has been a bit of a challenge to make this day what we want it to be as the average wedding in the US costs $30k. We’re cutting out the BS and plan to have an awesome time with each other and our guests!
8 311 hour ago
Does your tax preparer have a PTIN number registered with the IRS ? We do, we place our PTIN number on every tax return we prepare. We stand behind our work with professionalism and integrity to get you the biggest and best LEGAL refund possible. Click the link in my bio to book your free consultation today.......🙋🏽♂️
Take advantage of this tax deduction and receive the big and biggest LEGAL refund possible. Don’t miss out on any deductions that you deserve, we can help ! Click the link in my to book a free consultation today......💵
People often ask us how did your kids get $2.5 million in merit scholarship offers? We tell them we don’t have a secret, but we do have strategies that proved successful for our children. Maybe they will help you succeed in getting free money, too!
We had our kids start early with building their scholarship bank. From grades 9-11, we asked them to complete a monthly scholarship search and file away five scholarships in their fields of interest. They maintained an Excel spreadsheet of the information they collected (open app dates, deadlines, award amounts, qualifying criteria). Senior year, they spent less time searching for scholarships and more time applying for them. They knocked out a lot of the work the summer before their senior year and applied to one scholarship per week senior year. The more you apply, the greater your chances of getting FREE money.
Because scholarships offer free money, they are very competitive. The larger the award, the more applicants there are. The big awards are appealing but be strategic - your student will have more luck with local scholarships!
Check out these tips for scholarship success and get started on your quest for FREE money!
There are some significant changes to your retirement plans starting January 1, 2020.
Here are the highlights:
𝐈𝐑𝐒 𝐂𝐨𝐬𝐭-𝐨𝐟-𝐋𝐢𝐯𝐢𝐧𝐠 𝐀𝐝𝐣𝐮𝐬𝐭𝐦𝐞𝐧𝐭𝐬
• Maximum employee contribution rises to $19,500
• Combined employer and employee contribution rises $57,000
• Employee catch-up contribution for participants ages 50+ rises to $6,500
• Combined employer and employee contribution for ages 50+ rises to $63,500
• Annual compensation limit for calculating contributions increases to $285,000
• Highly Compensated Employee limit increases to $130,000
• The compensation amount regarding simplified employee pensions remains unchanged
• The limitation regarding SIMPLE retirement accounts rises to $13,500
𝐓𝐡𝐞 𝐒𝐞𝐜𝐮𝐫𝐞 𝐀𝐜𝐭
While the SECURE Act contains 29 provisions aimed at helping Americans better save for retirement, here are a few highlights: • It offers tax incentives to small businesses to set up automatic enrollment in retirement plans
• It allows employers to join with other companies and offer joint-retirement plans, which should help keep costs down
• It allows many part-time workers to participate in employer-sponsored retirement plans
• It creates a new early withdrawal penalty tax exemption of up to $5,000 from an IRA to use for childcare costs
• It pushes back the Required Minimum Distribution Age from 70 ½ to 72
• It allows for the inclusion of more lifetime-income options, including annuities
𝐒𝐭𝐚𝐫𝐭 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝟐𝟎𝟐𝟎 𝐂𝐡𝐚𝐧𝐠𝐞𝐬 𝐍𝐨𝐰
Take a look at the @linkedin link in bio and learn more.
Another year gone by — and what a year it was. Looking back, I’m not exactly sure how I stayed sane through it all! 2019 took me from Broadway to Hollywood, and plenty of other milestones along the way. So, it is with both satisfaction and great trepidation that I say I have no plans of slowing down in 2020.⠀
In this issue:⠀⠀⠀
♦ AUTHORING THE FUTURE⠀⠀⠀
♦ HELP YOUR KIDS ACHIEVE MORE THIS YEAR⠀⠀
♦ ESCAPE TO A WINTER WONDERLAND⠀
𝐈𝐟 𝐲𝐨𝐮'𝐫𝐞 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭𝐞𝐝 𝐭𝐨 𝐥𝐞𝐚𝐫𝐧 𝐦𝐨𝐫𝐞 𝐨𝐧 𝐭𝐡𝐞 𝐭𝐨𝐩𝐢𝐜𝐬 𝐬𝐮𝐜𝐡 𝐚𝐬 𝐥𝐚𝐰, 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐚𝐧𝐝 𝐟𝐚𝐦𝐢𝐥𝐲 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 ( 𝐰𝐢𝐭𝐡 𝐚𝐧 𝐨𝐜𝐜𝐚𝐬𝐢𝐨𝐧𝐚𝐥 𝐝𝐨𝐬𝐞 𝐨𝐟 𝐡𝐮𝐦𝐨𝐮𝐫), 𝐟𝐨𝐥𝐥𝐨𝐰 𝐭𝐡𝐞 𝐥𝐢𝐧𝐤 𝐢𝐧 𝐛𝐢𝐨! 🎯⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
𝐆𝐢𝐯𝐞 𝐮𝐬 𝐚 𝐬𝐡𝐨𝐮𝐭.⠀⠀⠀⠀⠀
𝐖𝐞 𝐰𝐨𝐮𝐥𝐝 𝐥𝐨𝐯𝐞 𝐭𝐨 𝐬𝐩𝐞𝐚𝐤 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮!⠀
1 713 January, 2020
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Here is a little background for anyone who may be new to my page. I am a member of #TeamTinyShovel
I do not have a very big income. You won’t see any *big* debt repayment numbers on this page. What you’ll see are realistic numbers for a family on a single income.
I budget & cut expenses. I split any extra money between debt and savings. I try to focus on intentional spending and no spend challenges. I shop the sales. I buy generic, not name brand. I contribute what I can to my 401k.
I keep it honest and REAL.
I absolutely LOVE this quote! It took me a while to remember that every small, baby step forward still moves us forward. Every tiny snowball payment or transfer into savings I make gets me one step closer to my #goals and that is what keeps me going.
Are you Team Tiny Shovel too? If so, keep your head in the game too! We got this!!! #debtfreecommunity#debtfreejourney#personalfinance#DFJ#DFC#budgeting#positivity
Want to know how EASY it is to save money when you don’t owe anyone anything? Imagine having no car payment, no credit card debt, no student loans😱 All the money you make each month is just...yours.
The end of January marks the end of our first debt-free year. And while we loosened wayyyyy up on the budget compared to the way we were living before, we still managed to save (for us) a ton. We also broke a six figure net worth, which, wut, and feel like we can finally start to give our dog the life she deserves😂
We’ve tightened up a bit for 2020 because we have some big goals. But it’s so fun to look back and see how far we came this year while still taking some trips and splurging on a few things.
Sidenote—I won’t pretend like debt freedom gives you all this savings automatically. It’s 50% debt freedom and 50% BUDGETING. I’d be nowhere without my budget, I swear to G.
What’s the most annoying debt you’ve ever owed? I’ll go first—six f***ing figures of student loans😜
74 96313 January, 2020
DEBT FREE SCREAM! A lot of work, patience, and painful payments and we are finally ready for the “debt free scream!” 😭 When we first got married, we were paying the minimum payment required to slowly pay off a mountain of student debt...the payment plan would leave us in debt for 10+ years. Along with student loans, we had two car payments and a mortgage. After watching the @theminimalists documentary on Netflix, absorbing some tough love from @daveramsey, and listening to the wisdom of our parents, we decided to shift gears to pay off these loans more aggressively, even when it wasn’t fun. We’ve spent nearly our entire marriage moving and/or renovating, flipping our way out of debt. Yes, we enjoy renovating! But it’s not without its stress, especially considering all of the moving that has been required. 🏡😅 The last six months were the toughest. I’ve worked full time at my day job as an outside sales rep, been a part of Ty’s real estate business, been a full time student, got the Ada house ready to sell, renovated the condo, moved, built four townhomes (almost finished!), freelanced interior design work, and maintained the blog. Ty’s plate was equally as full growing our business & @harvard business program! This, after years of working as a full time teacher while running his real estate business. This text is not to glorify “busyness,” but to expose the unglamorous, un-fun journey toward “debt free living.” We’ve loved all of these experiences, but exerting that much effort each day takes a toll! FREEDOM is worth it. We’re thrilled to be here by God’s grace. 2019 was the last year of over-exerting ourselves. 2020, we plan to slow down, both work one job, and invest freely more in the causes and people we care about. This Hawaii trip was planned to celebrate our #debtfreescream , while we visit my aunt. We hadn’t planned on sharing this, but after thought and prayer, we decided that we want our blog to go deeper. We want to share our story! We’ve shared a blog post all about this journey, including how much debt we paid off; along with how and when our mindset shifted, leading us to create change. #debtfreejourney#debtfreecommunity#daveramsey
I’ve been sitting here for so long, trying to articulate just what this means to me and my family. I’m such a mix of all (the good) emotions and I don’t know where to start. On Sunday, January 5th 2020, I submitted my LAST student loan payment. I was so incredibly excited when I hit that ‘submit’ button and then that excitement quickly turned to tears of joy, of relief, of exhaustion, disbelief, of utter pride in the fact that we did it ...and like a film screening, I could see the past 13 years flash before my eyes. •
From the day I found out my monthly student loan bills were going to be over $1,000 a month, to all the years I just accepted that I would have a $500 (post consolidating) monthly student loan bill until I was 53, to seeing friends pay off their student loans and being happy for them and jealous all at the same time, to then discovering @daveramsey, which forever changed my life, and made me FINALLY realize that paying off student loans early was not only possible but that it would change my future (and sorry, hubs, for not listening to you for several years when you said we should make extra payments ), to having a stretch dream of paying off my loans before having my own future child in school, to paying off 1/2 of my student loans, to see my loans fall below $20,000 and finally...to realizing that I’m going to start this decade, and a month before I turn 36, debt free. •
It’s MY turn. I can’t believe it’s MY turn to do my debt free scream. And scream is what I want to do. I want to stand on top of the highest building and scream that after all these years, I am DEBT FREE!!!!! I changed my family tree.
And in addition to all of this, I want to tell you that I KNOW you can do this. I’m not special, I’m not a millionaire...I’m just an average girl who wanted something and did it. I started this account to share my story and my lessons in the hopes that I can teach others that there is a way to take your dreams from possibility to actuality. ❤️ #debtfreecommunity#debtfreescream#debtfree
Man it feels good to finally share this post with you guys!
WE’RE DEBT FREE!!!! That heavy burden is gone. We still have more to go in our journey, but this is such a giant step in the right direction.
If you are in a place of struggling under that debt, read my post about How We Paid off $72,000 of debt in under 3 years.
I believe in you and believe that you can do it too ❤️❤️❤️
The link for the post is in my bio