What does financial freedom even look like?
What does life look like when I don’t have to live paycheck to paycheck?
What does life look like when my money is mine and I don’t owe anybody anything?
DAVE RAMSEY is preaching today about financial freedom and you definitely don’t want to miss this!
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Christian Life and Finance Coach
Public Health Advocate
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.
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:
Tonight husband and I went to dinner at our favourite winery. Cool fact, it’s the first registered vegan winery in North America. @karloestateswinery host vegan dinners every month paired with their wine. It’s such a great experience. This was my third dinner I’ve attended. I love wine and I love vegan 💗 #datenightideas
4 2468 hours ago
#sustainablehouseday did not dissapoint. Love seeing a tiny house in the flesh and got a glimpse of the neighbouring ones aswell.
1 478 hours ago
I have an insane planner obsession so I ended up purchasing this @kellyventuradesign super mini agenda ($6.99 @target 😌) to specifically track my spending each day, due dates, payments, credit score & anything having to do w my debt free progress only. How do you track your journey? 📝 #dontdebtme
earlier this year i reached that “I HAD IT!” point… felt like such a fraud for calling myself “debt free” while rationalizing a car loan and making outrageous car payments which then led me to financing a couple other items along the way... we will just call this chapter Stupid Tax 2.0... the truth is that i was actually just being lazy, leaving my goals behind… sometimes you find motivation to change in mysterious ways…cold winter set me on fire!!! $30,891 paid off since January… grand total of $162,789.69!!! IT’S COOL TO BE A ZERO!! LET’S GO BABY!!! I AM DONE THIS TIME.. SERIOUSLY DONE. .
“We change our behavior when the pain of staying the same becomes greater than the pain of changing. Consequences give us the pain that motivates us to change.” - Henry Cloud
Abundance exercise halfway update:
• Enjoyed being in the kitchen and cooking (a big progress for me👏🏼)- kept my kitchen clean and cooked with intention, thinking it’s helping me to become more prosperous
• Cash felt more precious and I made effort to stretch it - comparison shopped, meal planned, packed lunches, didn’t eat out (felt like I’m reinventing the wheel with my discoveries 🙈🙈)
• Finished baby step 1
• Received a check from dental insurance covering some of my debt 🥳
Two more weeks to go 🙏🏻💵🍀💎
I’ve really slacked on filling out what our industry calls PINRA CEU forms. Basically we can attend any workshops, conference or classes or even read a book and get those hours spent studying converted to professional development CEUs. The paperwork is something I’ve neglected and I’m realizing now that several things I’ve done could have qualified for credit.
I do go to trainings, both live and webinar based but I really need to start making sure they’re showing up on an official transcript. my goal is to have the full 80 hours within one year from now which will be a combination of free and paid course work.
In addition to my two kids, I’m a fur mom to a nearly 14-year-old mini Australian Shepherd. We discovered a mass today after she got groomed. Turns out it’s a tumor. 😔 We got it biopsied and will figure out next steps once we get the results back. We should have started a sinking fund for pet care, but didn’t, so we’ll have to cash flow the cost of her care. For you dog and cat owners, how do you budget for your pets?
10 1213 hours ago
Today’s yard sale total: $236! It was a long, busy, tiring day in the humidity and hot sun! But well worth it! I was able to hang out with my friends and socialize while we we sold stuff. 4 of us participated! Our houses already feel lighter, and our pockets a little fuller! I tried to keep track of how many items I sold (just for my own personal decluttering challenge) and I think it ended up being about 32 things total! I have leftover items that we are going to put out in our own neighborhood yard sale but after that I will donate some items and try to sell others on eBay and Poshmark.
Hubby and I were supposed to celebrate me leaving my old job and starting my new one Monday but I’m just SO tired 😅 He volunteered to work all day for overtime so he’s pretty tired, too! We plan on staying in, drinking some beer and ordering some takeout (it’s in the budget!). ❤️
4 5713 hours ago
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1 1013 hours ago
So i have sat down with my hubby and we decided that after 9/15.. we would slow down our DFJ AND CREATE A 1K fun money fun for our wedding which is paid for. Our wedding was cash flowed which we did before we started this journey.
I am so excited about my wedding and nervous about acquiring any debts my main focus is to save some extra cash and pay for everything in CASH.
It’s a beautiful night for football, especially when the tickets were free! 😅
2 2613 hours ago
Breakfast foods are good all day long—that’s Will’s plate. Tonight was homemade French toast, home fries, bacon, and pineapple. There are SOOO many combinations you could do! We love pancakes, eggs, sausage, breakfast bowls, grits, oatmeal, you name it and it’s a breakfast food, we like it. It’s quick, easy, and tasty for everyone!
The other day a friend was introducing me to my new coworker and mentioned to him that I’m into personal finance.
He was intrigued and jokingly asked how to get rich from nothing. I think he was surprised when I actually had an answer for him. Based on the fact that he took notes, I think he thought what I said was valuable. So, it thought I’d share what I told him here.
To most people, “rich” is an arbitrary number that sounds good. For example, being a millionaire or having tens of millions of dollars or having a high income. Most people think being rich is reserved for lottery winners, real oil tycoons, and trust fund babies. In reality, it’s possible to get rich. Like most things in life, you just need to change your habits (simple but not easy) and follow a few steps.
Instead of counting on the #government to save us, we must take control of our financial future.
I’m so passionate about showing parents and young people there is another, DEBT-FREE, way!
Thank you @bet for the platform. Full article available on bet.com. Plz check it out. *LINK IN BIO
As I’ve grown in my Minimalism and Intentional Living journey, I’ve realized that we need less and less “stuff.” This, in turn, has lead to changing our financial goals and spending too.
It pains me now when I hear “it was only $1 or $5,” because not only do those dollars add up, but unneeded items are rarely valued and become tomorrow’s declutter pile.
I’ve found through a lot of self reflection that excessive thrifting/shopping is usually to fill a void. It is harder to find why the void exists. Minimalism helps to uncover a lot of those layers.
This may not apply to you, or you may be a recovering bargain hunter too. Know that you aren’t alone. Our journeys are probably similar in many ways. Let’s cheer each other on!
4 5215 hours ago
Today is a planning day for me.
Planning encourages me to look ahead at the week and build in the tools, resources and food I need for it to be successful!
Planning day includes
🗒Creating grocery lists and clipping coupons for food and household items
🧹Cleaning the house
I keep a written grocery list, and use coupons from coupons.com. I also check my @Ibotta app (referral link in profile) to earn cash back.
It’s also payday tomorrow. Looking at my budget *ahead* of my income allows me to proactively assign my money to a job — whether it’s paying bills, dropped into a sinking fund or set aside for savings. I just started using @youneedabudget app again for tracking my spending and expenses.
In between those two “to do’s” I find time to clean, read, relax and just be. Intentional days to prepare but also rest is important.
Do you plan ahead or take each day as it comes or a combination of both?
1 1115 hours ago
Hey friends! I know we all recognize eachother a lot by our profile pics, so I’m just posting this to show the change from my old one (the small pic) to my new one (big one) ☺️
This is a little room off the kitchen that was once used as our main dining room, then a computer room, then turned into an all out JUNK ROOM! I was sick of it. .
Cleaned the whole room out and applied a fresh coat of paint for FREE since we had leftover gray from our basement, found this adorable breakfast nook on facebook marketplace for $200, then found the wall art on fb marketplace for $20, then $5 at dollar store for some small fall decor. .
I wish I wouldve taken a before picture, but I love that we gave this room a whole new purpose for such a small amount! We have already used the nook for breakfast, homework, puzzles, games, and of course BUDGET MEETINGS! 😍🤗🤣
🐘How BIG is the elephant? 🐘
Let’s fatten him up... but in a good way! 😆
Here’s where we started off September with Baby Step 3. Our goal is $6,000. A nice number to start out with while we’re still renting! Likely it will make sense to revisit this number and increase it once we finish Baby Step 3b... and move into our first home! 🏡
We came back from our wonderful Debt Free Celebration Anniversary Celebration vacation UNDER BUDGET! So we had some leftover funds to throw to the emergency fund. AND my monthly income from my job was a little more than usual due to a stipend from attending a professional development day. AND with the vacation week, some of our regular expenses like gas and groceries were less than normal for the rest of the month!
We were SO EXCITED to be able to put more than $2,000 towards our fully funded emergency fund and get closer to reaching our goal! Let’s DO THIS!!!
Disclaimer: Our monthly household income includes 2 full time jobs and 1 part time job. And we haven’t started to grow our little family yet 😊 #dink 💰
I love using EveryDollar for budgeting AND for tracking all of those awesome savings funds we have INCLUDING our Fully Funded Emergency Fund! 🚨
It seems like a mountain, like that #elephant 🐘 in the room standing between us and a house of our own, instead of renting, and so many other dreams! 🥳
But with one savings transfer at a time, one month at a time, #onestepatatime , one day at a time, on #thejourneyoflife I know we will get there!
I saw this and immediately said YEEESSS out loud. (*sorry Starbucks customers😆)
This is the hard truth. Making more money won’t necessarily solve your problems.
Unless you learn to control your spending, you’ll just end up with bigger payments.
What can you do today to control your spending? Tell me in the comments! 💕👇🏻👇🏻
98 1,56428 August, 2019
If something doesn’t seem right it is WELL WORTH the time and hassle to call your insurance and the provider to make sure you aren’t being over charged.
In this case I received a bill for some of the fertility testing we had started, even though we had been assured the testing would be covered by insurance. 😐 $495 was a shock but I was sure they had told us it would be covered.
For a brief moment I almost paid it, but then I remembered @savemycents talking about all the medical bills she has had to challenge so I gave it a try - and sure enough, someone had coded the original service incorrectly. They assured me they will fix this issue and I will get a statement reflecting that I owe $0. 🙌🏻🎉
Talk about return on time invested!!
Pay attention to your medical procedures and the bills you receive, it’s very possible that catching a mistake could save you hundreds!
It doesn’t matter how much money you make, if you aren’t saving anything. You still got zero. 🤷♂️
Save your money, invest it into yourself, your business and other passive income streams!
How many of these laws are you following? Share it below! 👇
136 3,40214 September, 2019
Keep it up, even if your progress is hard to see! So many inspired us by living out their discipline for others to see - you never know who notices what you’re doing and gets a jump start on their own journey! 💕 Tag someone who has inspired you!
34 2,7849 September, 2019
What is your definition of "broke?" 💵
94 1,7794 September, 2019
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!! *