#debtisdumb

MOST RECENT

I think this is the most consistently I’ve ever saved- I’m not sure what to think about that.. #slowlearner #🤷🏼‍♀️

Remembering the years when this was what I ate probably 50% of the time. Each serving was just around $2. Eat boring and get #debtfree. #debtfreecommunity #debtisdumb #frugaljoy #frugal #earlyretirement #personalfinance

✨ June Goals ✨

💰 money sent to debt in May . ⌛️ in 1,463 days I’ll get to put that money somewhere ELSE - God willing ☺️ #keeppushing

This is the first time we have spent ZERO dollars on a weekend day in a VERY long time! We’ve always spent at least budgeted money or borrowed cash from other envelopes for little things like coffee, boba, brunch etc. I wanted so bad to get a matcha latte and my kids wanted an açaí bowls today but those 2 things alone would’ve been over $25! It’s getting easier to say no as long as we keep the bigger picture in mind! Plus super easy to make most of our faves at home! Here are a few pics of the meals and snacks we had at home today! #nospendsunday
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#debtfree #debtfreecommunity #debtfreejourney #financialfreedom #emergencyfund #daveramsey #babystep2 #cashenvelopes #cashmoney #cashclips #budget #babysteps #zerodollarbudget #sinkingfunds #breakingthebudget #weonabudget #zerobasedbudget #balleronabudget #debtisdumb #cashisking #minimalist #minimalism #intentionalism #intentionalliving #livingintentionally #livewithless #livingwithless

DEPRESSION IS HARD: One day I feel like the best version of my self: light, bright and so full of gratitude for every little thing. And the next: overwhelmed, hopeless, dark isolation and aimlessness. Depression is not always easy to see but it doesn't mean the struggle is not there. We've been through a lot in the past week in this house: a major surgery, routine completely out of wack, body image issues, overwhelming clutter, feelings of lack of control, worries about debt repayment, cash flowing a new roof, and more. But that's the thing about depression, it can drop in and open up shop at any time. It doesn't care if everything is going perfectly or if it's the worst day of your life. It doesn't discriminate or make sense. Even when you have everything in the world to be thankful for and every reason to look forward to the future, you can still suffer from depression. And while I don't have all the answers, just please know you're not alone. I'm am here.

Budget committee meeting done for June and numbers are in for May towards our sink fund. A lot of stuff happened in April so we’re back on track now 😬 although June is going to be another busy month where we have to budget for a lot of stuff. How did your meeting go? #totalmoneymakeover #debtfreejourney #financialpeaceuniversity #debtfreecommunity #debtsnowball #daveramsey #debtisdumb #beansandrice

This is a fact of life for my month of May! Although there were some beautiful events and people celebrated this month I am ready to get back to killindebt! .
I could go through my laundry list of events and pitfalls but some history remains to be just that...HISTORY!
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You've got to be resilient in this journey, the experiences are full of ups and down BUT you must keep moving forward. It's the only way to grow.
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June I see you and I am ready💪🏽
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Plan adjusted but debt free goals still remain the same💪🏽
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I am MORE than a conqueror💪🏽
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Even when I lose I win💪🏽
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Forward I grow 💪🏽
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Your journey will save someone's life 💪🏽
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I'm a lender, NOT a borrower 💪🏽
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I was born for this fight💪🏽
#debtfreejourney #debtfreelifestyle #debtfreecommunity #budgeting #resilient #noexcuses #byfaith #byebyedebt #financialfreedom #killindebt #icandoallthings #icanandiwill #debtawareness #moneyenvelope #cashisking #debtisdumb #Godsgirl

We have $15,000 in savings and we KNOW we need to put it torwards our debt but just can't let go 😫 any tips? I'm scared we'll need it for something once it's gone, especially with the twins due any day now. HELP! How do all the savers out there let go?

#babysteps #debtfreejourney #debt #debtfree #debtisdumb #budget #debtfreecommunity #daveramsey #daveramseybabysteps #financialfreedom #financialpeaceuniversity

Frugal family fun at it's best! We had a lazy morning at home, started with homemade crepes for breakfast. Then the kids played with neighbours in the backyard, we had an easy lunch. And in the afternoon we went to a local lake to spend time with family. Thanks to my brother in law we get to enjoy lake access, and beach time is always the best. 🌊The water is so cold! But that didn't stop my girl from going neck deep into the lake. 🙈It really felt like a summer day today, and I am thankful for every moment. ❤
#babysteps2wealth_journey #debtfreecommunity #debtisdumb #debtfree #daveramsey #canada #livingononeincome #frugal #motivation #yyc #weekend #sundayfunday #family #beach #kids

I am starting to see some habit changing in our household 👏🙌🔥—It took work to change some of these habits though. Habit changing is not immediate for us!!•

For example, we were in the habit of eating out at least a few times a week. In the beginning it was rough doing a detailed meal plan for each day of the week and staying within budget. Now I LOVE meal planning and can’t wait for Fridays to grocery shop! •

It was once a challenge to pass on chick fil a or lunch with friends. Now I think ahead so we try to avoid being in that position, by packing our own snacks and meeting friends at a park or playdates. Do we still go out to eat sometimes in BS2? Yes, but its PLANNED and something we look forward to, rather than a hangry impulsive decision. •

A final habit that I have established is checking our bank account daily. I just do a quick check in, as we don’t use 100% cash envelopes. I no longer get nervous checking our account, wondering what I might find though 😂👍•

#daveramsey #habitchange #daveramseybabysteps #debtfreejourney #debtfreecommunity #babystep2 #behaviormodification #beintentional #beweird #debtfree #debtisdumb #debtsnowball

Shout out to this dude for asking such a #financiallyfocused question tonight when I was reevaluating our travel budget. “But where will that money come out of?” he asked. Because of course I tried to justify adding a little bit more to this trip’s budget (🤷🏽‍♀️gotta stay flexible!🤷🏽‍♀️). So proud of him for not only jumping on this #debtfreejourney train but appreciating it, sharing it, and giving it everything he’s got. ❤️
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Oh yeah, and he eats burritos with me too! ☀️😂☀️
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#debtfreecommunity #studentloans #studentloanssuck #babysteptwo #babystep2 #debtisdumb #cashisking #financialpeace #financialfreedom #millennialmoney #debtfreeby26 #gazelleintense #debt #moneylife #travelbudget #travelcheap #cheaptravel #debtfreecouple #burritolife

Ain’t that the truth!
I feel like that gap between paying off your most recent debt and getting to the next can be such a stretch sometimes!! It can be easy to lose motivation but it doesn’t mean u just give up or give in 😝 stay disciplined, stick at it and ENDURE haha.
Whenever I feel like we’re going thru the motions, I’ll always go over our numbers, look at our payoff charts and watch an inspiring story (usually a debt free scream or something) to get me motivated again.
New week, fresh start.
No Mondayitis round here 😉
Pic via @perfecting_me_2018 #adulting 😂 #letsbedebtfree

Ok back in the saddle! I am opening up some classes to teach tomorrow. I took time off for my family to visit and i was feeling burnt out anyway so it was perfect timing.
But now I have to tackle three things:
1. Bookkeeper course
2. New used car
3. My 30k rental loan.

The 30k is huge. It's 15x bigger than the last loan I knocked out. I wonder if that's why it feels easier now to fit these other sinking funds in there instead of waiting til I'm totally debt free.

It's a tough call because the bookkeeper course is a money maker not just a purchase that is money that's never coming back.
And the car is family safety. Can't put a price on that.

Phew. You can vote in my story on whether or not I should prioritize the car. I'm leaning towards yes. .
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#poll #debtfreecommunity #debtfreejourney #daveramseybabysteps #debtsnowball #debtisdumb #babystep2 #financialindependence #budget #personalfinance #earlyretirement #payoffdebt #gazelleintense #spreadsheet #nomoredebt #livelikenooneelse #frugal #budgeting #wealthcreation #adultingishard #sidehustle #vipkid #sinkingfund #carsinkingfund

We bought this jogging stroller used and I cannot get this sticker off for the life of me! 🤦🏻‍♀️
Also. Where the heck did May go!?
#debtfreejourney #babygirl #joggingstroller #debtisdumb #onceuponachild

It’s also more fun, too! Some of our best times are just watching movies at home, walking to the park, hiking and picnics. This is a great reminder, especially when on the #debtfreejourney and not doing a true summer vacay, like us. 😀 it’s the time not the money kids will remember. ❤️ #debtfreecommunity #debtfreegoals #daveramsey #debtfreedom #debtisdumb #timenotmoney

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