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9 different faces ❤
Which one is your fav?🍪
Photo via @spicedogsss

Wise words by Benjamin Franklin🧠💡 Pay close attention to detail and budget your money wisely. Financial health will make or break your start-up!
Do you agree? Tag someone who should see this!

I used to get SO stressed out and do the woe as me song and dance every time my 6 month auto premium was due. I'd also pay it last-minute on a credit card, screwing myself to deal with it "next month."
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Now, it's just a mild annoyance because I set up a sinking fund for this predictable expense. $300 of every month's pay goes into an account that is just used for insurance costs. When I get my bill every 6 months, I simply transfer the money and pay it upon receipt of the bill. But as it turns out, I still don't like paying it!

Today is my mom's birthday. She would have been 70 but she passed away 24 years ago when I was 16. I wanted to share some frugal things I learned from her because she taught me so much. I may have made a lot of dumb decisions with money, but I always heard my mom's voice saying what I was doing was stupid. I hope I'm making her proud now. 🙏🏼
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1. My mom paid for all her cars in cash! She would save 2k and buy a car and start saving again for her following car. She never leased or financed a car.
2. She never had credit card debt!She paid cash for all her items.
3. She worked three jobs. She worked at a factory from 8:00-4:00 and then she would cook and sell food from home. She also cleaned rich people's houses on the weekends. My job was to windex the windows of those huge houses.
4. On our birthdays, she would cook us our favorite meal and buy us a small cake from the local bakery. There was no money for parties not even when I turned 16.
5. She valued education and drilled that into our head! She knew that education was going to break the cycle of poverty. My brother is a successful doctor now and I'm a teacher. He listened to me and paid off all his student loan debt.
6. She taught me how to cook, iron, clean, and wash clothes by the age of 11. By age 12, I was already cooking meals for our family when she was sick in the hospital.
7. We were so poor that we only went out to eat on Mother's Day or to celebrate her birthday. Sometimes on Fridays, she would treat us to Pizza Hut because she knew we loved going there.
8. My mom did not take crap from anyone! She taught me to be strong, respect myself, and not to be afraid of anyone or anything.
9. She was a great negotiator. Every time our landlord raised the rent, she would negotiate or demand something get fix or changed in our apartment. She was no fool!
10. Finally, the best conversations we had was while she was driving her Dave car on our way somewhere. I encourage you to always talk to your children. Always hug them and give them grace. Teach them to be strong and courageous because after all, you are their first teacher. I miss her dearly💞💐🍃.

Your past was NOT the end.
Learn from it, move forward, and write a new chapter!
#moveforward #debtfree #debtfreecommunity

Baby stepping all the way there 👣👣👣👣👣👣👣👣👣👣 #daveramsey #rachelcruze #debtfree #budgeting #personalfinance #budget #jenplansbudgeting

I wonder... is it crazy that I'm excited about the prospect of doing my own laundry? Well... I am! 😀😃😄

Anyone else out there who would be excited to use this baby??
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#vintage
#antique #washer #debtfree #debtfreehomebuilding #mortgagefree
#wash #Country_features #offgrid #offgridlife #offthegrid #offgridliving  #cabininthewoods #homestead #cabin #cabinlife #cabinliving #woods #forest #view #happy #beautiful #mountains #mountain #mountainlife #onlyinidaho #idahome #idaho

If you don’t do anything differently,
you won’t get an different results!
#takearisk
#chanceit
#taketheleap

[RESULTS! RESULTS! RESULTS!] I love to see our clients achieve their dreams! What would you do with a 256 point increase to your credit score?
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Who wants to improve their credit score this year? The Protection Plan Can Help You!
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MOST RECENT

We’re under $19,000 and on track to reaching the pre-holiday goal 🦌🦌🦌 Hi gazelles. Do you ever leave? I hope not. I like you.

What you seek, is seeking you!
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What does this mean to you?
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What are you seeking?
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For me it's FINANCIAL FREEDOM.
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Every single thing that you put out in the universe will come back to you. If you seek love, love will come to you. If you seek intelligence, it will come to you.
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That's the beauty of it. Everything you put out into the universe will come back to you.
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So ultimately everything you seek, is also seeking you.
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You have to just give out enough for it to come back.
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It is because of your consistent efforts, that what you are seeking is coming closer to you.

#thewealthgardener #mondaymotivation
#mondaymoney #seekandyouwillfind #abundance #boss #dollars #ambition #entrepreneurlife #lawofattraction #grind #inspiration #budgettravel #millennials #investing #personalfinance #financialblogger #inspiration #motivation #goals #motivationalquotes #lifequotes #lifesajourney #behappynow #liveauthentic #entrepreneur #entrepreneurlife #loveyourmoney #tellyourmoneywheretogo #lifewelltravelled

First £10 Amazon voucher redeemed from Quick thoughts. I'm so pleased as it's been less than a week since I signed up. I'm going to start trying to build up my vouchers to buy a new hoover as ours is rubbish! I don't need to use it for Christmas pressies as I did all my Christmas shopping in October!! #organised #thriftychristmas #savings #moneysaver #moneysavinguk #moneysavingexpert #thrifty #debtfreecommunity #debtfree #debtfree2018 #quickthoughts #surveys

Let's have fun from time to time!

This is how I like to start my week!!! Thursday night & Fridays exhaustion was so worth it!

YOU DON’T NEED CREDIT CARDS‼️
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It’s actually true. Having credit cards, most of the time, can be a bigger liability than an asset. If you are not careful, you can fall into the ‘credit card trap’
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Here are four common misconceptions about needing a credit card:
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I Need a Credit Card to Build Credit
You build credit by paying your bills on time. You can build enough credit to qualify for a home loan by paying your rent on time for several years. You destroy your credit when you do not pay your bills on time.
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I Need a Credit Card to Shop Online or Rent a Car
Since debit cards have been introduced, you no longer need a credit card to do these things. In fact, you can do everything with a debit card that you can with a credit card, except spend money that you do not have.
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I Need a Credit Card to Save Money on My Purchases
Many stores will offer discounts for having a store credit card. Stores do not offer cards to give you discounts; they offer cards because they realize that while most people intend to pay the card off every month, few actually do. They make more back on interest than they do on the discount they offer to you.
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I Need a Credit Card to Earn Rewards
it is important to remember that the credit card offers its rewards because the company realizes that most people are not going to pay off their credit cards in full each month. This means that they make more money off the customers then rewards they give out. There are debit cards available now that offer rewards points. You may want to look into that option if you really want to use reward points.
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#SMARTdebtAsia #bankruptcy #singapore #debtconsultation #debt #professional #debtfree
#tips #debtsolution #creditcards

I’m going to try the No Spend Challenge for the rest of December except for the week that I’m on vacation since we are driving to see multiple families. So this week will be a no Spend week, then we will spend during vacation which I’ve already budgeted for and then back to no Spend the last week of the month. Wish me luck guys! And also if you have tried this and have suggestions on how to be successful during this challenge...please share!
#debtfreecommunity #debtfree #debtfreejourney #daveramsey #daveramseybabysteps

Everything I do is for my babies, and to be able to be a blessing to other people. But if I don’t work hard what will be left to them growing up?
I’m snatching everything #God has in store for me in #2018 I speak this over my life, over your life in the name of #jesus 🙏🏾🔥❤️ I declare and decree we are #debtfree

I’M AN AUNTY! 😍 Our niece was born last night. We are thrilled and can’t wait to meet her. I’ve been walking on a cloud all day 💕
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Also, I was given these everlasting flowers today as a Christmas gift. Aren’t they cute! I believe that are from @olliandash 🦌

Roth IRA or Traditional 401k? Full company match? What percentage of your income will you need once you retire? Watch us talk about one of our favorite topics!
Follow us for financial education 💰



#GenerationalWealth #Investments #Stocks #ETFs #Retirement #401K
#liveauthentic #nyc #influencer #DebtFree #MillennialBlogger #bloomberg #Goals #microinfluencer #trending #wallstreet #brand #nyclife #ontheblog #blogger #lifestyleblog #rich #flashesofdelight #Finance #MillennialTalk #MoneyTips #FinancialPlanning #Family

My first Groceries shop for my new house between Aldi and Woolies, I have missed a few things, stocked up on some others and got a few treats. Now I am cheating on it all by ordering Domino’s because stupid me left all my old pots and pans in the boxes that are still coming down from the NT and my new ones haven’t arrived yet 😞😫 #debtfree #debtfreecommunity #barefootsteps #barefootinvestor #frugal #frugalliving #lifeonabudget #moneytalks #frugallife #gettingoutofdebt #payingdowndent #financialpeace #livewithinyourmeans #daveramsey #daveramseybabysteps #debtisdumb #cashisking

Because our founder,@amanda.tyler.j, loves a good #monsteramonday [and] to remind us that green can be a comforting color 😉.

Interested? Let us know & stay tuned...

The biggest tragedy in life is not that it’s over so soon, it’s that we wait so long to start it - start living your life by design not default

BLOG - The joy of debt-free. (1 minute read)
Underspent is all about helping you break the habit of impulse shopping and save your money. If you break the habit of impulse shopping you’ll be debt-free, mortgage-free and stress-free. I don’t want you to be struggling and surviving. I want to help you turn your life around so you’re absolutely thriving. I want you to be debt-free, mortgage-free and stress-free.

Paying off your debts and your mortgage so you’re debt-free and mortgage-free is life changing. You’ll feel happy, stress-free, safe and secure. No more struggling and surviving instead, absolutely thriving.

If you have debts and a mortgage – you - like millions of other people are probably living pay-cheque to pay-cheque. If you have lots of debts your life can change from ‘doing ok’ to a ‘disastrous nightmare’ in a heartbeat – that means even more struggling and surviving for you and your family. Who wants to live their life struggling to make ends meet? If you’re debt-free and mortgage-free you’re financially prepared and financially secure. Life is stress-free when you're debt-free.
Here are 3 solutions to get you started on your Underspent journey.

1. Tracking your shopping and spending to identify how much money you spend on a daily, weekly and monthly basis.
2. Quit ‘status shopping’, buying to ‘keep up with the Joneses’ and buying because you’re never satisfied with the things that you already own.
3. Don’t compare yourself with others. FOWOT or ‘Fear Of What Others Think’ is a major reason for impulse shopping and overspending.

Find out more on my website www.cyclingrachelsmith.com #money #mortgage #mortgagefree #successfulwomen #debtfree #lifestyle #wellbeing #wellness #family #christmas #stressfree #life #professional

Resellers Christmas party 2017 was a success. I loved meeting every single one of our awesome resellers.

I used to wish for a way out of my Accounting job. I made it come true.✨ I used to wish for a way out of working in the nightlife industry. And it came true.✨ Now I’m wishing for a debt free life for Johnny & i, praying daily that it’ll come true too!🙏🏼 #ItWorksChristmasWish is for the debt collectors & settlement offer letters to stop. I tried doing the right thing by building my credit score at a young age. I took out multiple credit cards💳 & started playing with money that wasn’t mine. I tried doing the right thing again by going to college, getting an education but stopped a year into my bachelors degree - i realized that getting further into debt wasn’t the direction i wanted to go in. I always believed i would be successful but never knew that network marketing would be the answer i was looking for.🤷🏼‍♀️ Almost 10 years later, i have maxed out all of my credit cards, am thousands deep in student debt & payments on my car which totals to about $47K debt to my name.😭 We wish for Johnny’s second chance at life🕊 to also become debt free. He was suddenly hospitalized in 2016 where doctors couldn’t believe he was still alive with the traumatic blood loss. I found him having a seizure on the bathroom floor, practically lifeless in my arms when i called 911 and begged God over and over again for him to make it. I’m in tears as I’m writing this because I’m so thankful he’s alive today but 5 days in the ER / ICU left him a outstanding hospital bill of over $100K.😓 Johnny also has $55K in debt from credit cards, a Nursing bachelors degree and his car got completely flooded in a freak accident during a storm which insurance refused to cover. Hows that for icing on the cake!😂 Before It Works, we could barely afford to keep the lights on, and we would run to the window anytime we heard a truck outside praying it wasn’t a tow truck because we were so behind on our bills. We couldn’t afford insurance let alone to start paying off any of our debt. I believe It Works is the vehicle to live a debt free life. We went to Conference last year with $15 & will do whatever It takes to make this dream come true.💃🏼 On 12/14 they will grant 12 wishes 💫 It could be one of YOU!

I can help you with that. Don't go into a new year with bad credit. Make 2018 a starting point. Act now! Call or text 901-646-8142 to get started. Help is only a call away. Be sure to leave a message if I’m unavailable. I will respond ASAP. #creditrepair #debtfree #financialfreedom #approval #newcar #newhome #newjob #creditchic #fixyourcredit #gainyourbuyingpower #goodcreditmatters #livebetterwithgoodcredit #lowinterestrates #nodenials

"A long time ago in a galaxy far far away..." Get excited - the next #StarWars is just around the corner! So make sure you're not #TheLastJedi to find out how you can apply the lessons of The Force to your own finances: http://bit.ly/strwrsfnh
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#movie #film #maytheforcebewithyou #finances #money #financialfreedom #financialindependence #success #night #sky #Rey #isthebest #PrincessLeia #orshouldthatbeGeneralOrgana #debt #debtfree #debtfreecommunity #debtfreejourney #debtfreedom #debtfreeliving #debtfreeisthenewsexy #finance #financial #financiallyfree #financialplanning #financialdomination #financialhelp #financialeducation

https://m.facebook.com/story.php?story_fbid=1663906170297973&id=1659436274078296
Wow
#finacialfreedom #debtfreecommunity #finacialfreedom #debtfree #finace #finaces #free #fabulous

Excuse me while I wipe the tears 😭 from my face 🤧 The sacrifices my family & I have made these past few years has finally paid off.
1. We sold belonging 🚙.
2. We ate rice 🍚 for months.
3. Cut up ✂️ credit cards.
4. No 🚫 fast food.
5. Haven’t been on a vacation in 3 years ✈️. 6. Took second jobs 🔨
7. Used extra blankets to cut electric ⚡️ costs
You name it we did it! I’m sure there’s more than we did, but at this point I’m so elated I can’t see straight. If you think 🤔 you can’t get out of debt... YOU CAN!
Total Debt Paid in 2017 was $10,000

No matter what comes up you got this...You came here to win in life...Yes..YES
#thenextlevelup, #cathymcreynolds

Hoping I can reach my goal of $3,000 in savings by the 31st of December! I will need to put away $731.60 to reach my goal! I’m going to try my best to reach it but with Christmas expenses like gifts let’s see how we go! 💰💰💸 #payday #work #overtime #savings #thebarefootinvestor #barefootinvestor #barefootsteps #daveramsey #debtfree #debtfreejourney #debtfreecommunity #frugal #frugalliving #goals

9 different faces ❤
Which one is your fav?🍪
Photo via @spicedogsss

Money in Minutes introduces a new weekly section, “Finance Trivia” to boost your financial knowledge.
Here’s your financial word of the day. .
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#financialfreedom #moneyinminutes #loan #cashloans #instantcash #financialtips #finance#quickloans#unexpectedexpenses#preferredlenders #safelenders #onlineloan #debtfree #safeloan #instantapproval #creditchecks

Buy & Hold

Not fitness related however still bloody exciting! Last week I paid off my car a whole 3 years early. At the start of 2017 I decided I wanted to be financially fit and be debt free by the end of the year and I did it! I can't brag enough about the @barefoot_investor , seriously the easiest most valuable read of my life. If you haven't got a copy get one! Kmart sell them for $18, and you will save that just by reading the first chapter or two! Now onto the next step and 2018's goal... buying a house! 🏡 •





#oldphoto #dayiboughtit #finance #financialfreedom #debtfree #debt #money #barefootinvestor #adulting #future #fireextinguisher #payingoffdebt #freedom #financiallyfit #fitness #fit #mind #progress #happy #dedication #goals #2017 #2018 #house #buyingahouse #renovation #nextgo

Getting knocked down in life is given, getting up and moving forward is a choice.

Fort Equity Claims Recovery and Debt Management Services. For more information visit us at www.fortequity.ae #money #financialadvices #loans #debtfree #relief #settlement #freedom #getoutofdebt #debtfreedom #moneyissues #moneyproblems

Oh how I wish those waffles were mine and I was eating them right now! A little late but I have been up trying to catch up on charting while everyone else sleeps. This weeks Sunday prep for the week included: Sundays dinner of ham, broccoli, rice casserole plus one to freeze, and ham and scrambled eggs for breakfast tomorrow that will just need microwaved with some flaky biscuits that I can pop in the oven in the morning (we also had this ham at my parents house last night). This ham was .99 a pound last week at Aldi and oh man how cool is it that it made 4 meals!! 1 of the meals fed 4 adults and 4 kids!! 😳 Hoping to catch another ham sale after Christmas! Next I laid out lunch pails but I want to make some peanut butter crackers in the morning and didn’t want them to get soggy in the fridge. Clothes for Mon-Wed are laid out also. Now tomorrow morning won’t be SO crazy for this tired momma! Oh and the last picture is my leftover stovetop potpourri concoction that left my house smelling like Christmas today! #largefamilymeals #frugal #frugalliving #debtfree #debtfreejourney #largefamilyorganization #largefamilyonabudget

WTF?! HOW have I spent more than $7K at #Target this year?!? I knew it was a problem, but this! This is bad. I am going to have to use that hack suggested by @thefiguremaker (ordering online and just going in to the front to pick stuff up). I can’t be trusted in that place! God give me strength.

Read.
C.S. Lewis

YAY for new appliances!!!!! Actually feeling like a grown up haha 🤣🤣 I am glad though that now after living out of a suitcase for the last couple of weeks I can put some washing on and go by some food and stock this fridge up 😊😊 #debtfree #debtfreecommunity #barefootsteps #barefootinvestor #frugal #frugalliving #lifeonabudget #moneytalks #frugallife #gettingoutofdebt #payingdowndent #financialpeace #livewithinyourmeans #daveramsey #daveramseybabysteps #debtisdumb #cashisking

Make Money From Home Today VIA Binary options,Take advantage of the reopening of the market tomorrow and be glad you did.
The secret behind a successful man or woman they say is investment,make hale while the sun shines today and stand out to speak in louder voice with time after your initial investment. .

It's simple and lucrative here ; a minimum investment of $500 to yield a minimum $4500+
Make winning your only habit....
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#mlm #networking #networkmarketingpro#financialfreedom#entrepreneur#networkmarketing#entrepreneurlifestyle#entrepreneurship#businessowner#residualincome#businessopportunity#ownboss #extraincome#makemoney#networkmarketer#laptoplifestyle #marketing#internetmarketing #onlinemarketing#income #debtfree #getpaid#homebasedbusiness #affiliatemarketing#luxurylifestyle #luxury #money #grind

After looking for a perfect calendar for my debt payback journey, I decided to make my own l o l And since i love y'all so much, I wanted to share it with you for FREE!!! YES FREEEE Lots of note space where you can write down your goals or to-dos! Now December 2017 & January 2018 available on my secret resource library (just click the link in bio!) #debtfreejourney

Not me any more but I’d reaaaally like some mozzarella sticks 🤔🤔maybe it’s time to start dinner lol #debtfreecommunity #daveramsey #totamoneymakeover #savingmoney #debtfreejourney #debtfree #debtfreelife

If you’re sick and tired of working as hard as you do and not having any money then you should join the Debt Free Community!!! There are so many people who can help you, motivate you, and push you when it seems impossible. How did you learn about the Debt Free Community? 🤔📝#DebtFreeAF #DaveRamsey #Goals #Debtfree #debtfreecommunity #fpu #financialpeaceuniversity #savedatmoney #brokeAF

Picked these up today for a good price. Obviously these are AF-1, I just haven't seen this particular design before.

Side note, taking pictures of and listing new shoes is so much easier than that of used cloths. I mean on the level of Algebra 1 vs. Advanced Calculus, easier.

Lol...if these sell quickly enough, I may never look back.

Finance Friday

It's safe to say people are in the holiday shopping mode by looking at all the cars in shopping mall parking lots every day! So this morning we asked Dave Schurman from FirstOntario Credit Union what the average family will spend this year on Christmas related spending. http://crwd.fr/2yQ2bz2

#gotmoneytips #debtfree #payyourselfatfirst #getoutofdebt #takeaction #go

Do Remember #DJClueEcho I told myself this years ago and you know what...I'm closer than even I know. It's not about the #money it's about well being of myself and everyone that has real #love for me. It's a First Generation #wealth and creating #opportunities for great people who are around me now when I don't have as much. Those are the people that I want to see win with me. Not just watch me #win.... I'm Going To Be A Millionaire. #destiny #hardwork #passion and #mindset told me so... #millionaire #success #growth #changes #1111 #dreams #goals #plans #bigplans #debtfree #helping #blackexcellence #blackwealth #blackbusiness #family

Act your wage! Don’t spend more than you can afford this Holiday Season. Remember it’s about spending time with your loved ones that counts. #debtfree #merrychristmas

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