#budgeting101

MOST RECENT

I'm feeling like a rockstar. I was $18 under budget today for groceries and even managed to get a few things I hadn't planned on (ice cream and chocolate), totally necessary. I love weeks like this. While I haven't written out our meal plans, we've been intentional on what we buy per the week and it totally makes a difference.
#gratefulheart❤️
#debtfreewhisper #crushingdebtandmakingmemories
#debtfreejourney #debtfreecommunity #mindingmymoney #deathtomurphyslaw #budgeting101 #positivevibesonly #fightingformymoney #financialfreedom #financialfreedomstartshere #rememberwhyyoustarted #debtfree #debtsucks #everypennycounts #budgetlikeaboss #minimalistintraining #declutter #lessismore #minimalist #frugalliving #simplicity #debtfreedom #mydebtfreejourney #mydebtfreechronicles #sinkingfunds #intentionalliving

#groceryhaul for the week. I spent a total of $102.60 which includes $28.04 on toiletries and household items not pictured (toilet paper, paper towels, tampons, soap). I try to spend under $100 each week, but haven't been doing so well lately. Earlier today I took some time to #budget and refocus on my goals. I'm super excited to come in right around $100 this week. I use Kroger's clicklist most weeks which helps me stick to the budget - I can't impulse buy at the store! I also meal plan and try to take stock of what I have in the house before buying for the week. What do you plan/budget for groceries? What helps you stick to your budget or keep your grocery costs low?
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#debtfreejourney #debtfreecommunity #budgeting101 #budgetingnewbie #expenses #groceryshopping #groceries #clicklist #dogmom #frugal #frugaltips #frugalliving #mealprep #mealplanning #mealplan #weightlossjourney #fatgirlfedup #fattofit #overcomingobesity #JERF #eatwellbewell

The book has received multiple 5-star reviews already!! Check out what critics are saying. Please, do yourself a favor, and pick up a copy on Amazon today. It's only 99 cents!!

Are you stopping yourself from becoming amazing?!? Stop it! Cut it out! No one is benefiting from you playing small. If your dream is burning a hole inside of you, start walking towards it. Don’t worry about the opinions of others. It’s YOUR dream! Not theirs! ❤️ .
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Need help figuring things out with your finances WITHOUT judgement or feeling stupid? I’m your girl!!! Let’s chat! Set time up on my calendar and let’s get things turned around! Here’s the link(also found in Bio): https://yournjerispeaksappointment.as.me
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Thanks for stopping by! 😀 Stay tuned for more awesomeness coming soon. Beyond thankful for your support 😀
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You decide! Do it today!
❤️
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#NjeriSpeaks #MoneyTalk #DebtFreeLiving #YouCan #WinningWithMoney #FinancialFitnessCoaching #DebtSnowball #2018MoneyGoals #FPUGraduate #DaveRamsey #FPUCoordinator #NoExcuses #GazelleIntensity #TakingAction #TheMoneyGirl #DoTheWork #CrushingIt #NoApologies #BabySteps #DebtFreeCommunity #StayFocused #NoNewDebt #StepsToFreedom #FinancialPeace #Budgeting101 #LiveLikeNoOneElse #TemporarySacrifice #DebtFreeJourney #RiseAndGrind

#Adulting begins with #budgeting. Sometimes knowing where to begin can be a struggle. On July 24th, we will break it down at Shadle @spokanepubliclibrary.
Register at: http://bit.ly/STCUBudgeting we will bring the snacks. #Hereforgood #Workshops #Budgeting101 #STCU

$536 for my crown! Yikes! But guess what? That sinking fund came thruuuu! I have one more to get done and that remains in the sinking fund for now. Rethinking my sinking fund and EF at the moment in terms of how I want them allocated. Now just waiting to eat lunch. 😂😂
#gratefulheart❤️
#debtfreewhisper #crushingdebtandmakingmemories
#debtfreejourney #debtfreecommunity #mindingmymoney #deathtomurphyslaw #budgeting101 #positivevibesonly #fightingformymoney #financialfreedom #financialfreedomstartshere #rememberwhyyoustarted #debtfree #debtsucks #everypennycounts #budgetlikeaboss #minimalistintraining #declutter #lessismore #minimalist #frugalliving #simplicity #debtfreedom #mydebtfreejourney #mydebtfreechronicles #sinkingfunds

Business Starter Package is now available! This was created to assist new entrepreneurs and startups attain quality service for an affordable price. —————————————
(Link in Bio) to find page.
#theprivateprofessional #budgeting101 #business #businessowner #businessopportunity #financialfreedom #finance #businessplan #consultant #consultationprogram #entrepreneur #entrepreneurlife #entrepreneurship

Grocery haul score!! I decided to drop our grocery budget from $140 to $100... my final total was $100.01 including a cookie jar not budgeted for! 🙌🏻💵 #deftfreecommunity #budgeting101 #cashenvelopesystem #frugalliving The extra will now go straight to our Emergency fund...

So I'm doing my daily check over my accounts and look at the most recent credit card paid off is now showing I owe $4.44. Huh? The pending balance is 0, see where the mouse is? I dig further and it says finance charges on "cash". Huh? I NEVER EVER EVER take cash out on cc. Now, I saw this same "finance charge on cash" a few months ago and just decided to leave it be since I was scheduled to pay it off. Welllllllll...now I've made a request and they are writing off this 4.44 charge but they may owe me some money for those previous charges. Run me my moneyyyyyyyy! So folks, make sure you are doing due diligence and monitoring even closed accounts. This one I was headed to close and got sidetracked but will do so right after they finish investigating.
#gratefulheart❤️
#debtfreewhisper #crushingdebtandmakingmemories
#debtfreejourney #debtfreecommunity #mindingmymoney #deathtomurphyslaw #budgeting101 #positivevibesonly #fightingformymoney #financialfreedom #financialfreedomstartshere #rememberwhyyoustarted #debtfree #debtsucks #everypennycounts #budgetlikeaboss #minimalistintraining #declutter #lessismore #minimalist #frugalliving #simplicity #debtfreedom #mydebtfreejourney #mydebtfreechronicles #sinkingfunds

Summer has been SO busy for us! ☀️ So many things are in the works right now but one important one I wanted to share with you all is my new SIDE HUSTLE! 💪🏽 💰💵
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I just started taking online courses to become a certified substitute daycare provider/assistant. For those of you that don’t know, my husband owns his own business and I am a stay at home mom. I love staying home with our daughter, and this is such a great opportunity for us to earn some extra income.
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Why did I choose to become a substitute? 👧🏻🧒🏽👦🏼👧🏼👶🏽👶🏿
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My mother actually has had a home daycare for 19 years and last year mentioned to me that they don’t have any substitutes in our city. Now that we are on our debt free journey, my desire completely grew and I am so excited for my potential future!
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What level of commitment is involved? ⏰🗓
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Well, really as much as I would want. My goal is when I complete the courses is to put together a resume packet with all my credentials and make up some business cards. Then I’ll go around to local family daycares and home daycares and sort of “advertise” my business. When I get calls I can of course choose to take them or not.
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Will you be putting your daughter in daycare?🏫
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The beauty of all of this is I can still stay home with my daughter and most places I can take her with me. I have a wonderful mother in law who already watches our little one once a week so i can work. We will just work around our schedules and make it happen.
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How long until you are working?📅
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This is a 30 hour class, plus an extra 10 is required for the positions that I want to be able to fill. Hopefully in a month I will have everything done. It will just depend on how much time my husband will give to let me study 😜
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So now that you know, please send up some prayers and good vibes for me. I want to get these courses done ASAP so I can get in there before school starts and all the vacations are done.
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What are some of your guys’ side hustles?? 📒🛒🛎🐩🎒
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#debtfreecommunity #daveramsey #daveramseybabysteps #debtfreejourney #debtfree #sidehustle #financialfreedom #financialpeaceuniversity #frugalfamily #budgeting101

I know you’ve been wondering what to do. So here’s a little intro to the options available to you. Everyone has a preference and I completely respect that. Customizing a solution for your need is what I do best. Let’s connect! It’s time! Do it today!! ❤️ .
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Need help figuring things out with your finances WITHOUT judgement or feeling stupid? I’m your girl!!! Let’s chat! Set time up on my calendar and let’s get things turned around! Here’s the link(also found in Bio): https://yournjerispeaksappointment.as.me
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Thanks for stopping by! 😀 Stay tuned for more awesomeness coming soon. Beyond thankful for your support 😀
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You decide! Do it today!
❤️
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#NjeriSpeaks #MoneyTalk #DebtFreeLiving #YouCan #WinningWithMoney #FinancialFitnessCoaching #DebtSnowball #2018MoneyGoals #FPUGraduate #DaveRamsey #FPUCoordinator #NoExcuses #GazelleIntensity #TakingAction #TheMoneyGirl #DoTheWork #CrushingIt #NoApologies #BabySteps #DebtFreeCommunity #StayFocused #NoNewDebt #StepsToFreedom #FinancialPeace #Budgeting101 #LiveLikeNoOneElse #TemporarySacrifice #DebtFreeJourney #RiseAndGrind

Your habits make you (or break you)! Choose wisely! People don’t just “make it”. It’s a series of habits over time preparing for the opportunity so that when it arrives, they are ready and they shine. What habit can you add to your day? What habit do you need to replace? Get to it! Time waits for no one! Yes, that includes YOU!!! ❤️ .
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Need help figuring things out with your finances WITHOUT judgement or feeling stupid? I’m your girl!!! Let’s chat! Set time up on my calendar and let’s get things turned around! Here’s the link(also found in Bio): https://yournjerispeaksappointment.as.me
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Thanks for stopping by! 😀 Stay tuned for more awesomeness coming soon. Beyond thankful for your support 😀
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You decide! Do it today!
❤️
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#NjeriSpeaks #MoneyTalk #DebtFreeLiving #YouCan #WinningWithMoney #FinancialFitnessCoaching #DebtSnowball #2018MoneyGoals #FPUGraduate #DaveRamsey #FPUCoordinator #NoExcuses #GazelleIntensity #TakingAction #TheMoneyGirl #DoTheWork #CrushingIt #NoApologies #BabySteps #DebtFreeCommunity #StayFocused #NoNewDebt #StepsToFreedom #FinancialPeace #Budgeting101 #LiveLikeNoOneElse #TemporarySacrifice #DebtFreeJourney #RiseAndGrind

Wherever you are on your journey with money....I have a game plan that can set you up for success. The first step is facing the music. Until then, I’m here to serve you each week with tips, ideas, challenge questions, and sometimes even dares....Because YOU winning with money makes me smile. And I know together, we can make it happen! ❤️ .
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Need help figuring things out with your finances WITHOUT judgement or feeling stupid? I’m your girl!!! Let’s chat! Set time up on my calendar and let’s get things turned around! Here’s the link(also found in Bio): https://yournjerispeaksappointment.as.me
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Thanks for stopping by! 😀 Stay tuned for more awesomeness coming soon. Beyond thankful for your support 😀
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You decide! Do it today!
❤️
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#NjeriSpeaks #MoneyTalk #DebtFreeLiving #YouCan #WinningWithMoney #FinancialFitnessCoaching #DebtSnowball #2018MoneyGoals #FPUGraduate #DaveRamsey #FPUCoordinator #NoExcuses #GazelleIntensity #TakingAction #TheMoneyGirl #DoTheWork #CrushingIt #NoApologies #BabySteps #DebtFreeCommunity #StayFocused #NoNewDebt #StepsToFreedom #FinancialPeace #Budgeting101 #LiveLikeNoOneElse #TemporarySacrifice #DebtFreeJourney #RiseAndGrind

What are you waiting for? If not now, when? If you’re looking for the “perfect timing”, good luck waiting. It won’t come! NOW is the time! Today. Yes, today!! ❤️ .
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Need help figuring things out with your finances WITHOUT judgement or feeling stupid? I’m your girl!!! Let’s chat! Set time up on my calendar and let’s get things turned around! Here’s the link(also found in Bio): https://yournjerispeaksappointment.as.me
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Thanks for stopping by! 😀 Stay tuned for more awesomeness coming soon. Beyond thankful for your support 😀
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You decide! Do it today!
❤️
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#NjeriSpeaks #MoneyTalk #DebtFreeLiving #YouCan #WinningWithMoney #FinancialFitnessCoaching #DebtSnowball #2018MoneyGoals #FPUGraduate #DaveRamsey #FPUCoordinator #NoExcuses #GazelleIntensity #TakingAction #TheMoneyGirl #DoTheWork #CrushingIt #NoApologies #BabySteps #DebtFreeCommunity #StayFocused #NoNewDebt #StepsToFreedom #FinancialPeace #Budgeting101 #LiveLikeNoOneElse #TemporarySacrifice #DebtFreeJourney #RiseAndGrind

Today’s tip is very simple... Plan for Your Purchases.

If you know certain events are coming up i.e. back to school, birthdays, Christmas, due taxes, etc. plan for it. You can also plan for buying a new car or house or making needed repairs, new electronics, items for kids etc.

You do this by adding small amounts to your budget and/or readjusting now for later.

The most forthcoming way is to save small amounts every pay period (Saving $10 every pay period can equal big bucks). But you can also pay certain bills in advance to free up the needed funds 2 months from now.

“The rich plan for the future, poor people plan for Saturday night.” Happy Budgeting 😀
#budget #budgeting #spending #sahm #money #securethebag #budgetingbasics #repost #envelopesystem #cashclips #payday #cashisking #debtisdumb #cashonly #debtfreecommunity #debtfree #debtfreedom #debtfreejourney #budget #budgeting #budgetswork #financialpeace #zerobasedbudget #everydollar #budgeting101 #budgetingbasics#securethebag #savings #plan #savingsplan

Here is another Napkin from Napkin Finance.
We’ve all heard about the importance of having a budget (and sticking to it!); but, we do not often hear how to go about creating this budget. How much should we be spending on housing? What about fun money? •


Click the link in my bio to read my latest blog: Budgeting 101 •


Okay, full disclosure, in creating a budget, I like to take an approach that values savings.
• •


#dailyinspo #thesavvysaver #wednesdaywisdom #millennials #cpa #underminethestat #getricher #motivation #toronto #womeninbusiness #girlboss #goals #inspo #financialliteracy #wealth #knowledgeispower #financialfreedom #commitment #business #money #believeinyourself #successful #empower #financialindependence #budget #budgeting101 #budgetingtips #napkinfinance

Are time-consuming manual processes holding you back? I can design and build automated processes to save you time, so you can focus on what is more important—growing your business!
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#processimprovement #budgeting101 #smallbizphilly #startups #businessowner #financialreporting #accountant #ericbarbusciaconsulting #philadelphia #selfemployed #growyourbusiness #cashflow #bookkeeping

I woke up today to 2,000 followers. Thank you! ◻️

I am 28 and married. In December, I just had this moment of being so sick and tired of feeling like we had NO money. We both have good jobs but I felt like we had no control over the money coming out of our account. The final straw was when my husband said “I’m tired of feeling like we have no money.” I took that as a challenge and googled “budgeting” on YouTube to figure out how to change. I stumbled upon the Dave Ramsey videos and I was instantly hooked. ◻️

I started being intentional with our money. I made a budget (which has been life changing). Since then we have paid off both student loans (around 6k) as well as my car (5k). We have paid down on our mortgage and started saving money to remodel our kitchen. ◻️

I created this account as a way to look back on our journey but also share tips and tricks on what has been helping us. My top 3- creating a monthly budget, taking out cash for groceries (and sticking to 100/wk budget) and creating sinking funds. Thanks for following me on this journey 💕





#debtfreeliving #budgeting #cashflow #savings #budgetplanner #debtfreejourney #debtfreecommunity #debtfreelife #budgetbinder #budgeting101 #frugalliving #frugal #changingourlives

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