Me, looking at my husband on our much needed weekend getaway to celebrate our birthdays this month. It was an inexpensive date night with an extended overnight... an hour away from our home. We refuse to lose our 💥spark💥 so date nights will ALWAYS be in the budget and time with each other comes first. Skip a few date nights and put it away for one night with your love. Well worth it. Love that man. 😘
1 25 hours ago
Where could you put that extra money saved from not eating out? Credit card debt? Student loans? Bills? Savings? Paying off your car?⬇️ I’m not saying DON’T eat out, because it is good to treat yourself. Let’s just be more mindful of where our money is going! 🤩 #debtfreeandteaching
1 45 hours ago
This is the fourth time I’ve bought, “The Art of Selling Yourself”. I love this book and every time I read it, I give it away to someone I believe will benefit from it most!
I am so happy to have completed the January savings challenge from @thebudgetmom one week early. .
Every Friday I took some money out of my envelopes to set aside for this savings challenge. I used my kids their initials to come up with the savings amount. € 74 towards my sons first communion sinkingfund💰 .
With one more Friday to go, I might at one my boyfriends initials as well.
Let’s level up a bit more. .
Are you participating in the savings challenge? Which word did you choose?
Starting off the week right with a $100 snowflake payment to my car 🥳👏🏻🤩💗
1 85 hours ago
Spending today complaining or worrying about tomorrow won't make today any better..... Shake off all those draining thoughts and enjoy today!! 🙌🏽
1 35 hours ago
If you’ve been wanting #financialfreedom or #financialindependence this year or one of your goals is to finally pay off your debts or just get some clarity, then you owe it to yourself to sign up for the FREE 5 Days to Financial Freedom Challenge! It all starts TOMORROW! sign up with the link in the bio! See you there!
1 55 hours ago
Budget Highs and Lows of the week
- Paid off iPhone loan! 📱 we celebrated 3 paid off loans this month with a glass of champagne 🥂
- Found some old birthday checks I forgot to cash (My birthday was in may) 😂
Listen Linda and all my Sweet Friends... Don’t let anyone impose their limitations or fears on you! Go after everything your heart or bank account desires!
You can save $1,000 and not touch it!
You can save $10,000 towards a dream of yours!
You can pay off all of your credit card debt and stay out of debt!
You can pay off your Student Loans!
You can quit that job you hate and find a job that you love!
It’s all possible and don’t let anyone tell you that it isn’t!
What’s something that you did, that people thought you couldn’t?
Mine is in the comments. 🙃
As mentioned today is Aiden’s 14th bday and I bought him his gifts then budgeted $100 to cover pizza and cake for our family get together.. my husband decided it would be fun for the four of us to do a escape room ( they are so much fun this will be our 3rd attempt as a family to actually get out )so $140 not budgeted, but will be well worth it to make the memories with the boys. We gave up tons of time and memories with the boys trying to struggle through babystep 2 now on step 6 we set monthly goals for savings, paying extra on the house BUT we also leave wiggle room to cover these non budgeted items. We will become more intense on the house in a few years when the boys are 18 and I can go back full time, but for now we will focus on yes goals, but always our family and memories too.. it’s truly finding a balance and definitely this journey is personal finances for sure! #debtfreecommunity#debtfreejourney#debtfree#debt#debtfreegoals#daveramseybabysteps#daveramsey
1 85 hours ago
Not bad when I've got a full time monday to friday job too. There is only so much you can do.
I did of course want to achieve more decluttering but it's a work in progress!. Currently pressing the pause button... hot bath with essential oils and Himalayan pink salts, face scrub and face mask.. Then maybe fill another charity bag?. #debtfreecommunity#debtfreejourney #
Our first 2020 date night, at home, in pajamas!
In 2019, Wally and I set a relationship goal to go on monthly dates. Most of our marriage has been spent apart and suddenly we were at a duty station where we see each other frequently. Believe it or not it can be a hard adjustment. Then we had a baby, which of course was exciting, but all these changes can make it difficult to connect. We felt like we needed time to put our relationship first. I loved our date nights, so we wanted to keep them as a goal for 2020. I’m honestly not sure how long we’ll be able to keep them up with a deployment on the horizon but we’re going to try as long as possible.
The problem with monthly date nights is that they’re expensive. Baby sitter, nice restaurant, alcohol... and a big goal of ours for 2020 is to save more/put more money towards debt. Our answer is to do home dates. These can be hard, though. I mean, how do you keep it novel when it’s the same thing you do most nights anyway?
We decided to put kids to bed, eat a (macro friendly 😜) dessert, and spend at least an hour talking and connecting with no electronics. Truth be told, we got bored pretty quickly. We played “would you rather” but that’s not going to cut it every single month.
Our solution is to start a book club of sorts. We’re picking a book to read each month and will discuss it at next months date night. The only rule is that it has to be a free book. I’m excited to see how we stick with this goal!
Closing out December has me looking back on 2019 with pride and happiness. At this time in 2018 we were drowning in our debt, we didn’t see a tangible way of minimizing it let alone getting out of it. •
Now don’t get me wrong, we are not cleared of our debt, but because of this system we have managed to put away $7,129 (based on exact known numbers) and close to $9,000 (estimated from missing data) towards our debt. •
With our trip from December playing a factor, January isn’t looking so good for our debt amount, but rest assured I have a new system rolling out for February 🥰 #debtfreecommunity#debtfreejourney#debtfree#debtfreegoals#debt
0 25 hours ago
Watch this video to my Team that explains WHY the formula to weight loss is like saving money.
To save money SPEND LESS than you earn.
To lose weight EAT LESS than you burn. This is called a CALORIE DEFICIT.
While the formula is simple, the implementation to be in a caloric deficit is what can be challenging. If you don’t have the proper knowledge or strategy you will always be hungry. Genetics can also play a role on how and where you lose fat.
Saving money can be challenging because you have bills and expenses to pay and you may not have enough income to sustain yourself.
For weight loss some things you can’t control are metabolic challenges or disorders which can inhibit progress. If you don’t prepare or cook your own food, especially if you travel for work, this can make things difficult.
With respect to money, you can’t control when unexpected emergency home and car repairs need to be made. Unexpected health issues can also lead to unplanned expenses.
However you can still control many things. For weight loss, don’t eat recklessly or irresponsibly too often. For saving money, don’t waste money buying unnecessary things.
And to be successful in each you just need to consistently apply the formula correctly over time.
Hope that puts it into perspective. If you know someone who doesn’t understand how weight loss works send them here.
one of the hardest things to budget for.
We’ve made january a “don’t eat out month” only have ONE TIME while out of town and it counted for Michael’s bday lunch 🥰
But I am trying to ONLY have to shop 1-2x a month and forget all the little things. So everytime I see we’re out or low on something it goes on my fridge list! (Easiest way to remember)
Michael’s lunches for work
-leftovers from dinner the night before
I legit always forget to calculate how many granola bars per month
-bananas you can’t really buy in bulk for the month it’s like a weekly purchase along w bread & milk
My goal is to get this down to a science and to rarely eat out anymore! I swear compared to past months of eating out we’ve saved SO much money at least 300+ dollars! I didn’t even eat out yesterday while out of town and I could have! I feel that is some kind of self control!
Do you guys have tips for shopping 1-2x/month?
Today marks one year since Scout hit peak naughty dog 🙃
Collapsing on the floor and sobbing after walking into our apartment to see this cash shredded is so vivid in my memory. I was DEVASTATED about the possibility that this money was lost forever.
That baggie sat untouched in a drawer for months before I took it to the bank, so obviously it wasn’t as awful as it felt in that moment....
My attitude re: money today is SO different from what it was 365 days ago.
Focusing on and being grateful for what we DO have instead of focusing on everything that we don’t has been huge, and has helped me realize how much our mindset really does impact every aspect of our life.
Can’t wait to see this picture come up on my Timehop again after another year of growth!
One way to increase the gap between your spending and earning is to take a look at your grocery spending. One way to help keep your grocery bill under control is to plan your meals for the week. Not only will meal planning help guide your shopping list and keep you from needlessly buying, it can also ensure that you always have a meal to make at home so you don’t have to eat out! What’s your grocery shopping strategy? Comment below! 👇👇👇
So this year I reached a really big milestone. So years ago before I moved to this town I was piled up with alot of debt that was not any fault of my own. I was in a very controlling relationship where I never seen a penny out of my own money. And I came to realise alot of stuff was not being paid off. So when I moved to Hampshire I decided to change my life and make things good for myself. So just last week I paid everything I owed everyone money, and it was alot of money I had to pay off. But in the end i did it 😁 I owe no one anything now and I feel free and happy 💜 this year is turning out amazing💜
I haven’t mentioned my favorite #breakfast in awhile :) So here goes.
I’ve developed an #eggallergy so I’m always on the hunt for yummy breakfast ideas that are not pure sugar, and this meal fits the bill.
Today I used 1 link of @traderjoes Garlic herb chicken sausage ($3.99 for a package of 4), and a raw coleslaw mix I get from @walmart for $1.77 (swipe right). It’s a mix of green cabbage, red cabbage and carrots.
I start by cutting up a sausage link into coins, then fry them up till they are browned a little. Next I add a handful of the coleslaw mix and cook till it’s wilted. I like to season with salt and pepper, and garlic powder. For those lucky one who can eat eggs, it’s delicious to put a fried one right on top.
Spending H’s nap time today working on uploading my pictures from my phone to @amazon.photos . With prime, you have free photo storage. Hoping to reduce my iTunes bill by $2.99 a month. Every little bit helps!
Here is an overall view of our debt progress since we began our journey late 2018. This is current, as of this January. It’s always encouraging to see this number decrease each month, even when we don’t have extra money to put towards debt.
Toward the end of the month we run lower on grocery funds with the way we budget so we use more items that we already have at home and usually don’t have to do much for shopping. *
This week we had some good meal options with food already in the cupboards and only really needed a couple staple items. *
I pre-made pancakes for the kids for the week and they had oatmeal, bread, some yogurt and some cereal options left for the week already so we are set there.
For lunches we plan to use some leftovers from the burrito stuff from yesterday and the roast we plan to make tomorrow. We also have hot dogs and macaroni on hand to go with veggies if we want to mix it up for Sydney. (The boys eat lunch at school)
Dinners will be easy this week with stuff like tuna melts and breakfast for dinner. Eggs and milk were really the only thing we needed to replenish to make those meals happen. *
We got a few “splurge” items that weren’t on the list (bananas, donuts and spatula). The spatula was clearance and is replacing one I broke not long ago and that comes from the “broke shit” or home maintenance fund-not groceries. *
Just a friendly reminder to keep going!! Think about how your life looked when you started this journey!
Yea sure you jacked up your budget a time or three. Possibly forgotten that yearly license plate registration fee. Maybe ate cereal for supper because your grocery budget was spent... I feel ya!! Some months are better then others, but look at how far you've come!!! Be proud! And don't stop moving forward! ❤
A zero based budget is absolutely critical to managing your money most effectively, paying off debt faster than you ever thought you could, and meeting your financial goals.
A zero based budget is a method of budgeting where you budget every single dollar of income, down to the penny.
Made $2,000 this payday? Budget $2,000. Tell those $2,000 where to go, instead of wondering where they went!
But here’s the key: you’ve got to make a new budget every single month.
Yep. Every single month.
This is because your expenses change from month to month (and for some of you, so does your income!). You may want to budget for Halloween candy and costumes in October or gifts for Mother’s Day in May or new clothes and school supplies for the kiddos in the Fall. That’s why one budget doesn’t work for every month.
But, don’t be freaked out about having to do a new budget every month. Just start with the first month and see how it goes. I promise once you start seeing the stress relief that a zero based budget provides, you’ll never want to go back.
For the answers to all your FAQs about zero based budgeting, head to the link in my profile and check out “How to Make a Zero Based Budget.”
Do you make a new zero based budget each month?
4 1806 hours ago
3 46 hours ago
A lot of people want to start saving, but don’t know where to put their money. Most banks offer very low interest rates, for example Chase is only offering 0.01% for its savings account! Not going to help much. If you’re looking to start an emergency fund, save for a short term goal like a vacation or purchase, or just want somewhere to keep accessible funds, look into an online bank, like Ally. Ally is offering 1.6% at the moment. While It won’t make you wealthy by any means, it’s 160x more interest than Chase. Seeing your money earn money every month, no matter how small of an amount, is a great tangible motivator!
Follow @adollareveryday for more
What’s your go-to savings account? Comment below! 👇👇👇
But then I got to think about how messed up and corrupt the US tax system actually is. Every SINGLE U.S. citizen is required to file taxes (at least) once a year and if they don’t do it correctly, they could go to prison and/or be charged thousands in fines. We are all required to do this, yet there is zero requirement that we all receive training on HOW to do it. Unless you elect to go to school for this, you’re walking into tax season blindly. Every year. Until you die. Because you were never taught HOW to do taxes, you could make 1 mistake and literally go to jail. ‘I didn’t know’ or ‘I did these correct to the best of my knowledge’ do not hold up in a court of law. And the worst part is - the government knows exactly how much you owe!!!! Yet YOU’RE responsible for figuring it out! Ever heard of sending a bill?! It’s bad enough we get taxed all year long and then come April you not only take MORE of our money but if we don’t calculate exactly how much more we owe you correctly, you’re going to come after us?! In what universe is this sane?
In school, we’re taught to memorize the capitals of all 50 states, what parallelograms are or even how to dissect a frog. When is the last time you actually NEEDED any of that information? And then we’re taught NOTHING in school about how to do taxes or how to budget, for that matter; actual LIFE skills that are truly important and applicable to all adults.
I don’t know how or when but we need to see taxes (and budgeting) as MANDATORY classes in schools, at the very least. This system is correct and there’s a better way to do this for everyone. #wecandobetter
240 2,43022 January, 2020
Success often doesn’t look like trophies and parties, but calmness and boredom. I think that this is my ideal boring life.
I posted this picture a year and a half ago and it got more likes that all my other posts combined. Why do you think that is? Why did this resonate with so many people?
Food is usually one of the biggest household expenses and it’s one that can be drastically decreased with a little planning. A well stocked fridge is a waste unless you have a plan for how you’re going to use every item. There is no shame in having a sparse fridge! It means you’re eating what you’ve bought. You’re not eating out, you’re not letting food spoil!