#debtisdumb

MOST RECENT

On to the next....

September progress. Small gains. This card is at 0% interest, but I just want to get it paid off so I can have that money back in my budget. My current balance is $2000. I’m on track to make my last payment on Nov. 1, months before my original deadline of April.
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#debtfreejourney #debtfreecommunity #financialfreedom #financialadvisor #financialfitness #millennialsretireyoung #retireyoung #creditscore #financialindependence #financialindependenceretireearly #financialpeace #budgetingtips #budget #budgetplanner #budgeting #breakingupwithdebt #debtisdumb #financetips #sidehustle #budgetnista #personalfinance #moneygoals #totalmoneymakeover #fpu #moneymanagment #cashenvelopes #frugalliving #frugal #savingmoney

Updated the plan today! Even with one loan paid off early, my student loan debt freedom date is still June 2019 - at the latest. I'm always looking for ways to move that date up and I'll share with you hope I do that along the way! .
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#DebtFreedomJourney #PowerPay #DebtAvalanche #DebtSnowball #WriteTheVision #UasEcho #MyRichUncle #Navient #BabyStep2 #Plan #Execute #OweNoManAnything #DebtFreeCommunity #DebtIsDumb #CashIsKing #GoodCreditHelps

Because every time my fave @smartsncents mentions my name I get a billion followers I thought I’d introduce ourselves 😇

I’m 25 and Leo is 24 we’re both from the Bronx, New York. Leo joined the military straight out of high school and was stationed at Camp Pendleton. I followed him here in 2015, we got married in 2016 and we’ve been living in North County San Diego ever since.

We met in middle school and he was my first kiss, I broke up with him for a guy with green eyes and he won’t let me forget it (I was only 12) 🙄 but I feel like that was too young to be kissing boys anyway? 😂

We’ve known each other for more than half of our lives 🖤

My first year of college I studied Sports Management and I had to take an accounting course. I sucked. It was really bad and I didn’t understand it at all. It took me 3 introduction courses before I finally managed to pass and sort of grasp it. I wasn’t into it. Now I’m few months away from getting my BS in Accounting. I don’t know how this happened. 😂

I’ve always loved numbers. Algebra was my jam. I also love stats, data, aesthetically pleasing charts and tables. So naturally budgeting is fun for me. Leo is very laidback and a “go with the flow” kind of person. He lets me handle all the things and I don’t mind. He trusts that I’ll always do what’s best for us and he’ll go along with pretty much anything (very lucky).

So that’s a little about us 🙃 I like to talk about myself (nicknamed vanity smurf by my godparents) so I will likely do this again 😂

Earlier this month, someone posted on social media a pic of Geoffrey Owens working at Trader Joe’s. If you recognize him, it’s because he was on the Cosby Show. I really don’t know his financial situation in regards to debt; however, the first thing that came to mind was the #debtfreecommunity and how all of us are sharing ways of working hard to achieve the same goal. I’ve read stories of people doing side gigs by selling things around the house, becoming an Etsy seller, working over-time, getting a part-time job delivering pizza, and the list goes on. We may get funny looks or even “shamed” of what we do to help us achieve our overall goal, but that means we’re doing it right. We work hard to dig ourselves out of the hole we got into, so we can use our money in a smarter/wiser way for the future. #debtsnowball #totalmoneymakeover #debtisdumb #debtfreejourney #financialfreedom #financialpeaceuniversity #babysteps #babystep2 #sinkingfunds

A few cups of coffee and a snack at the convenience store come back to haunt us at the end of the pay period. Sometimes my zeal to lock spending down and dump everything into debt backfires, especially during stressful work times when I'm more tempted to buy ready made caffeine.

#treadingwater #nervous #debtfreeliving #debtfreejourney #debtisdumb #debtfreecommunity #debtfreememes #digginouttathehole

Having to work for what you have builds serious character.... I paid off my student loans in under two years. I earned that degree 100% on my OWN. Knowing that I was the one who was responsible for the cost of college MOTIVATED me beyond belief to succeed. We don’t have kids yet, but when we do, it will be made clear to them that THEY will be responsible for paying for college if they choose to attend. Why? Because the lesson of figuring out how to work hard and achieve my goals on my own was way more valuable than a free college education. If I had only learned the material my professors were teaching I would have missed out on so many struggles and lessons that taught me so much more...

I’ve been kind of quiet the last few weeks after I had the horrifying realization that an IRL coworker was following this page. I know some people don’t care but I DO! Maybe it’s the embarrassment of having so much debt...a sign of weakness on some way. To make matters more complicated, I’m going to be getting a legal settlement very soon which will clear my debt. That is something I would never discuss with my coworkers 🤔 So, I am feeling relieved that I blocked him (thanks for the advice #auntkara !!) I did do 2 (?) weeks ago it waited to make sure that it truly worked ☺️ This is a fab community —thx for all the inspiration !

This makes me soooooo happy! One of my goals is to get a bigger apartment (I have a studio now) closer to my job next year. I would have had a problem getting an apartment because of my score (and debt) Starting a moving sinking fund in October 😁

I've mentioned it before, but having a credit score IS important to me. I have no plans to buy a house anytime soon and I've yet to meet a landlord who is willing to lease an apartment to someone with no credit score. Also not having a score or a good score will prevent me from getting a promotion or a new job in the future. It is what it is. One of the few things I disagree with DR about.

#debtfreecommunity #debtfree #debtfreejourney #debtisdumb #debtfreegoals

Over the last few days my partner and I have had afew cross words to say the least.🙄 He is sick and tired of me giving him a dirty look everytime he says he's cold whilst wearing just a T.shirt....😬 my response "Have you got a jumper on?" Then he mutters away.😤 I reached breaking point last night when I realised I couldn't function without a blanket, hoodie and multiple cups of tea. If you know me in real life, I'm that person always crying about the cold. Some people are scared of snakes, maybe wasps, I'm scared of those things too but also the cold!! So once I checked my phone and saw 8c I realised maybe the goal of October is no longer and I would have to turn the heating on. Just stood and watch my little one play football in the freezing cold for an hour and came straight in to turn it on. Anyone else got there's on?

I hate the late nights and early mornings.
I love not needing a full time sitter.

It's nearly 1 am and I'm exhausted, but the money is great for me. I don't know where else I could make 20 an hour without putting in a bunch of work up-front to build a business.

With vipkid I just show up and teach. From my house. Without a bra.

#hustlinghard
#gazelleintense
#debtfreegoals
#payoffdebt
#daveramseybabysteps
#debtfreelife
#totalmoneymakeover
#livelikenooneelse
#vipkid
#debtisdumb
#incomeproperty
#frugalliving
#moneymotivation
#earlyretirement
#debtfreeliving
#debtfreedom
#debtsnowball
#financialindependence
#wealthcreation
#adultingishard
#budgeting

Just made a sale to one of the nicest people I’ve ever come across on Gumtree! She was so easy and pleasant and didn’t stuff me around. She’s prepaid via PayPal and will pick up on the weekend, she wanted me to hold the item and was the one to say she’d pay upfront as she didn’t want me to think I’d stuff her around. She’s a Gumtree angel sent from above 😇 #comebudgetwithme #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth

Finally I get a decent offer from Woolies where I don’t need to spend a bajillion dollars 😝 I’ll definitely do this and try take a break from Coles because I think they’re gonna up my minimum spend on their next round of offers 🙅‍♀️ #comebudgetwithme #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth

Sinking funds are so important. One thing that I need to get better at is saving for unexpected medical expenses. I took this sweetness to children’s healthcare of Atlanta today because of the red spots that you can see on his chin and face (they’re all over his body & in his mouth to) ☹️ Never in my life have I ever dealt with hand foot & mouth but here we are! Poor babe is just miserable. Cost us $50 in a co-pay + $12 for his medicine. Thankfully we had money set aside to replace my husbands windshield on his truck but since replacing the windshield isn’t a necessity, we pulled the cash from there. Hopefully my sweet boy will be back to his normal self in a few days but this has definitely shown me that we need at least $100 in a medical sinking fund at all times! #sinkingfunds #sickbaby #debtfreecommunity #debtfreejourney #cashisking #debtisdumb #daveramsey #daveramseybabysteps #paidforincash #debtfreeliving #momlife #boymom #debtfreedom #debtfreelifestyle

A little side hustle today. Selling some of Addie's old clothes. Showing her the value of her stuff. I could kick myself for how much I spent on her clothes when she was a baby.
#debtfreecommunity #debtfreejourney #debtfree #daveramsey #debtisdumb #debtfreewarriors

😂 right!! Just ordered school pics x2 last week (1st grade and PreK). We got one of the smaller packages and still why so expensive! If I had the option to just buy one 8x10 I would do that and just scan it to my computer and make my own prints at walmart.•

#orderedthemanyway #daveramsey #debtfreecommunity #debtfreejourney #babystep2 #beintentional #beweird #behaviormodification #debt #debtfree #debtfreedom #debtisdumb #cashisking #totalmoneymakeover #finances #financialpeace #financialfreedom #financialpeaceuniversity

One of my favorites 💯

Hubby ripped his jumper at work. I know they're only $20 at kmart but honestly, he is so hard on his clothes with machinery and chemicals, I'd seriously be replacing his uniforms every week between rips and stains. I bought some iron on patches from big w for about $2 (swipe to see). Cut it to size and iron on. No more rip to get snagged and another month or 2 wear to be had. Ive also repaired his pants and shorts, one patch can definitely do more than 1 repair if it isn't too big..
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Do you repair clothes? ..
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#debtfreecommunity #ozdebtfreecommunity #debtfreejourney #debtisdumb #debtfree #debtfreeaussie #debtfreeliving #mortgagefreecommunity #mortgagefreejourney #mortgagefree #mortgagefreeaustralia #journeytomortgagefree #journeytofinancialfreedom #budgeting #budgets #budgetmum #daveramsey #babystep4 #babystep6 #livelikenooneelse #thebarefootinvestor #buildwealth #financiallyfree #financialindependence #financialfreedom #FIRE #dontthrowitfixit

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