New blog post! Buy now, pay later. but how much are you REALLY paying later? Link in bio!
1 53 hours ago
🎉GIVEAWAY ALERT! 🎉
We're giving away 3!!!! x 1-month Personal Budget packages! valued at $50 each!
want to give us a try but not sure if it's worth it? now's your chance to WIN a budget package!!
Join our mailing list to enter! (link in bio!)
joining our mailing list gives you 1 entry!
to gain extra entries you can:
👍🏻 Follow @Balancedbudgeting and @Balancedbudgetingboss (1 additional entry)
♥️ like this post (1 additional entry)
⬇️ tag your friends below (1 tag per comment, 1 comment = 1 entry. more comments = more entries!)
Competition closes 12 pm Tuesday the 18th of August 2020, the winner will be chosen at random and announced here and on Facebook, at 5 pm on the 20th of August 2020 this giveaway is in no way sponsored, endorsed or administered by Instagram
If you're a parent of school-aged children, we know you're probably stressed about your kids going back to school this year. We know you’re juggling decisions and pivoting for in-class, virtual, remote, or homeschool options.
It doesn't have to be stressful if you’re willing to do some planning! Look over these tips to help you save money (and sanity) while you’re back-to-school shopping—whatever “back to school” means for your family this year!
🔗 Click the link in our profile to read!
7 21314 hours ago
Today we’re highlighting visual aids. Do you use visual aids when aiming at financial goals like debt payoff or savings? We found them super helpful and couldn’t wait to colour each step/box in with each payoff/savings milestone.
Have you used or considered using charts as motivation? Comment below and let us know.
Tell your money where to go instead of wondering where it went! Join my virtual Financial Peace University class and learn to make a budget you’ll actually stick to. We meet online, so you won’t even have to leave home. Visit fpu.com/1122046 to sign up for my class and start your 14-day free trial of Financial Peace! Class starts Sunday, September 27, 2020. Link in bio to connect.
Sign Up for a FREE trial of Ramsey Plus TODAY: https://bit.ly/31ricKt
Do you know the difference between guilt and shame?⠀
Guilt says, “I did something bad.”⠀
Shame says, “I am bad.”⠀
When it comes to the financial mistakes you have made, it’s time to move past your shame and give yourself permission to make better choices.
The road to economic recovery must be equitable for everyone
Support schemes to help young people to stay in or to gain employment are very welcome. However, in doing this, we must not forget the mature working population, especially those in their pre-retirement years.
Long term effects remain long after the economy bounces back from an economic downturn.
Young people's experience of the jobs market scars them for life. Seeking a first job is tough in difficult times. Those who are unskilled working in low paid jobs are affected the most. And, their work life never recovers. Of course we must support these youngsters. They are after all the future tax payers who will fund the vital services we rely upon.
However, there is also a hidden group that also requires our attention.
Those in Pre-Retirement.
We all hope that we can enjoy our retirement in good health and be financially sound.
Reality however for many is different.
The mature workforce faces ageism in the jobs market.
And women are particularly affected. Especially those in low paid, unskilled jobs. Those working in tourism and hospitality for example. Sectors hit hard by the current pandemic.
Yesterday's post from @womeninleadershipleaguecn highlighted that Covid job losses have impacted women greater.
So we must speak up and remind government that many mature woman also need a back to work policy. Especially those who are now forced to work until they are 66 instead of 60 with insufficient time to plan for this change.
Are you a mature woman affected by Covid?
2 922 hours ago
This couldn't be more true, I know especially here in VIC, I'm trying to look for the rainbow through the rain which I know is easier said than done. After this dark period I hope to be smashing my business goals - what do you hope to achieve in the next 6 weeks?
1 523 hours ago
Today, paying off debt looks like updating my August budget because EDD finally came through with my pay from my company’s work share program...from May. I am so thankful to have come so far on my debt-free journey before COVID, because that 20% pay cut would have hurt so much more. And I’m incredibly thankful to be employed when so many have been struggling. But you can bet I’m still not going to let that check wander off! Tell your money where to go, don’t wonder where it went! #thedebtfreeyear#babystep2#workshare#everydollar#everydollarbudget#financialpeace
7 years ago, my husband and I started our new marriage $153,200 in debt! Burdened and overwhelmed, we dreamed of living in freedom and giving without worry. After setting a goal of becoming debt free, we were introduced to the teachings of @DaveRamsey and completed Financial Peace University 🙌🏽
We also both made HUGE lifestyle changes. My husband changed careers to an industry with more earning potential. In addition to my limited teacher income, I started buying clothes from thrift stores and selling them for profit on Poshmark and eBay. Many of you have followed me on that journey here. ☺️
🎯We immersed ourselves in financial education. No excuses!
🎯We built and followed a zero based budget. Every dollar went to work with purpose.
🎯We stuck to Ramsey’s 7 Baby Steps and celebrated with each win.
Since becoming debt free, we’ve been able to change our family’s story and GIVE more in the process. We have also become deeply passionate about helping others on their own debt free journeys. Which is why...
We are THRILLED to be partnering again with Dave Ramsey’s company to give away some invaluable resources.
3 winners will receive a 1 year Ramsey+ Membership ($129.99 value!)
💥LEARN the proven money plan with the best content, including Financial Peace University
💥BUDGET and put your money to work for you with the premium features of EveryDollar App
💥TRACK your progress as you hit your goals with the NEW BabySteps app
💥 1 addt’l winner will win a copy of Total Money Makeover & a Contentment Journal
How to Enter:
🍥Like this post
🍥Follow teachtothrift on IG
🍥Share a financial goal below in comments & tag a friend
🎉Giveaway ends 7/22 at 11:59pm PST Winner, announced on Thurs 7/23! US only.
#throwbackthursday truer than ever! I've been pretty strategic when it's come to wedding planning and making sure that money wouldn't be flying out all at once! .
Luckily, we're planners (it's the virgo in us 😝 ) so when we had $2k worth of wedding expenses this month, we we're prepared! .
📹 videographer payment
👰🏼 wedding dress .
Seeing my wedding dress hanging in my closet is surreal and things are getting SUPER REAL! 😍
One of our tenants is an essential personnel and is still working and the other "tenants" are our family. They've been working but we wanted to help jump start their emergency fund by forfeiting May's Rent.
This is something I'm so grateful to be able to do. Though our emergency fund is not 100% funded and we still have some debt, I KNOW we will fully fund our E-fund and our debt will be gone in the next few months. 𝐆𝐞𝐭𝐭𝐢𝐧𝐠 𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐢𝐧 𝐨𝐫𝐝𝐞𝐫 𝐡𝐚𝐬 𝐚𝐥𝐥𝐨𝐰𝐞𝐝 𝐮𝐬 𝐭𝐨 𝐛𝐞 𝐦𝐨𝐫𝐞 𝐟𝐥𝐞𝐱𝐢𝐛𝐥𝐞 𝐚𝐧𝐝 𝐠𝐞𝐧𝐞𝐫𝐨𝐮𝐬 𝐰𝐢𝐭𝐡 𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲. 💛
In the money summit last week I shared a personal story of how money once blocked my goals and how that led me to make it my mission to completely change that. I now use money as a tool and make its working for ME and my goals!
April's 90 Minute Intensives were all booked, there's new spots being open for May, Link in bio ✨
36 3184 May, 2020
Ain't guna happen, I have a high maintenance hinney 🤣🤣 What won't you sacrifice in BS2?
🤑B U D G E T I N G🤑
Did you know that money is a common reason for marital issues? I can tell you firsthand, that’s true. The first year of our marriage was HARD - for many reasons - one being money! We both had no clue how to manage it, and had no regard for spending. Woo! Forever thankful that something finally clicked for us and that @daveramsey and his baby steps exist!
Now, we budget and take it very seriously! We aren’t perfect with it but we do try really hard! Dave says, “Fail to plan or plan to fail” and that “A goal without a plan is just a dream.” We want to be debt free but without a plan in place and action, it’s only a dream of ours. So, I want to hear from YOU! Do you budget? Do you want to start? What’s your BEST tip for someone new to budgeting? Let me hear it!
Our tip for budgeting: know where every dollar is going. If you have to write it down, keep it in the notes of your phone, or use the @everydollar budgeting app, TRACK IT! It’s so eye opening when you physically see where you’re putting your money. We can’t wait to share some exciting news this week - related to budgeting AND not related too! *This is not sponsored - I just am so passionate about sharing this because I truly believe that living debt free is living in freedom!
29 45126 July, 2020
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