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Got my hair done today. Love having personal money to spend however I choose. I had the such a great afternoon getting my hair done & talking about life with @cmcoletti. I know some of y’all cut everything while getting out of debt & that’s great. It just doesn’t work for me. I enjoy treating myself to a fresh cut and color every 4-5 months. Make the plan work for you so you stay consist which doesn’t always mean cutting everything out. Happy Friday my debt free community babes. 😘
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#debtsnowball #debtfreedom #debtfreecommunity #studentloandebt #debtfree #debtisdumb #debtfreejourney #debtsucks #financialfreedom #byebyedebt #teamnocarpayment #gettingoutofdebt #payingitoff #nopayments

BRB. currently looking for $104.40 in my budget to wiggle around and make a payment right now. .
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It should say one person’s income because at any given time I have had 2-3 jobs this year. On New Year’s Day, I said something has to change. All of my student loans were out of their grace period and due dates were hanging over me like an awful cloud. I had just financed my Jeep the month prior and I was so stressed about making all of these payments on time. .
I was a full time waitress and my income was fluctuating all over the place. But I knew that I had to take control. So I did. .
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I started with a really simple envelope system. As money came in, each envelope got filled and put into a separate pile from the empty ones. .
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Today, I am working two jobs and building my business in my extra time. I am beyond stoked that I am just $104.40 away from hitting the goal that I made in July for the end of the year. But of course, instead of being happy that I am going to meet that goal, I have bumped it up even more. Now I am $1,104.40 away from my end of the year goal! (Less than my monthly average for the year). .
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You can do anything you want when you decide that something has to change.

Noooooooooo. No no no. NO. No amount of embarrassment or social pressure warrants going into debt for gifts, of all things. Would you want someone to be paying interest on a gift they purchased you a year later!?

We are debit card users! I like the convenience of being able to shop online and also see all my transactions. Using the cash system or debit is OKAYed by Dave Ramsey, but credit cards- no. There are many reasons for this, the main one being that the majority of people end up not being able to pay them off monthly and start losing money by paying interest. Second, studies have SHOWN you spend more when you swipe plastic v. using cash😱. I also think you spend more when you use credit v. using debit. 💳
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We used to have a credit card and paid it off each month. This worked for us for 9 months until we made a purchase we couldn’t afford and couldn’t pay the balance off😥. It was a terrible feeling and it propelled us into our current debt free journey. The temptation to buy now and pay later is just too great. (See @debtfreeinsunnyca and @ourdebtfreestory for cash system)

Just because you can make the monthly payments does NOT mean you can afford something!
#debtfree #budget #debtisdumb #cashisking

This bulletin board hangs on the wall across from my bed so it’s the first thing I see every morning (when there is enough light to see) and the last thing I see before I shut my lights off. My tremendous intensity has gone beyond anything that I would have imagined it to be. .
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When I started, I wouldn’t never have guessed that I would have made it this far in the first year.

You like Hibachi? Hibachi pay off that credit card debt 💳 and we’ll talk about going out to dinner! #hibachi #DebtFreeAF #DaveRamsey #Debtisdumb

Thanks for the AMAZING reminder via #smartdollar which my company offers! Being weird is the best! 🙌🏼
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#debtisdumb #debtsnowball #debtfreejourney #babysteps #daveramsey

That would save a lot of hassle wouldn’t it 🤪

MOST RECENT

A laugh for tonight. I overheard a rendition of this today outside my classroom as guests left the dining room. I reworked it a little. Enjoy!!

So massive change of plans. For some strange reason I had the urge to pop in to a car yard to have a look at the cars and we came across the PERFECT car for us. Only a year and half old, very very low km’s, white in colour, so incredibly well looked after and under the budget we allocated. They also gave us close to what we wanted as the car had no finance on it so we had so much more bargaining power. We also get a decent chunk back (not as much as we would have done selling privately) but this is the first time EVER we walk away making money! Not going further into debt. Not going to lie, was sooo tempted to get another brand new car but I knew better and incredibly proud of how much I have changed. Just two years ago I would have HAD to have had a brand new car.....not anymore .......Happy days ☺️ #debtfreecommunity #debrfreejourney #debrfree #debtisdumb #debtfree2018

#debtisdumb #debtisdumb #debtfreejourney #fridaynight #relaxingafternoon - Fridays in, saving money, eating in...

😂😂😂😂😂😂😂😂😂
Sorry @directv but I don’t miss you. I don’t miss the exorbitant monthly bill for channels I never watched. I don’t miss having surprise charges on my bill. And I don’t miss groveling and asking for a lower bill, only to be denied, and THEN be insulted by offers like this after I’ve canceled. I was loyal for YEARS and ALWAYS paid my bill on time. The best thing I ever did was break up with you!
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#daveramsey #totalmoneymakeover #debtisdumb #cashisking #financialpeace #financialfreedom #debtsnowball #beansandrice #livelikenooneelse #beweird #debtfreecommunity #budget #budgeting #debtfreescream #debtfree #goals #babystep2 #debtfreejourney #gazelleintense #partofthe37percent @daveramsey #tmmo #byefelicia #breakupwithdirectv #peaceout

QUOTE OF THE DAY: I love this! And this is EXACTLY what I do, so I guess I’m Warren Buffett now (not even close, but ssshh!)🕺🏼Once I get paid, I budget where everything is going - expenses, my spending money, extra debt repayments, minimum repayments, bills - all that jazz! Then, when I have left over cash from expenses (i.e if I only spend $60 on groceries instead of $80) well - hallelujah - you bet your mumma’a oven mits that gets funnelled towards the cause (either debt or savings, lovin’ the cash flow babies). So I guess I kind of do both, in a way, I just don’t wait to designate my whole savings until after I’ve spent. 🕺🏼🕺🏼🕺🏼 •


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#journeytodebtfreedom #debtfreecommunity #brokestudent #ohshesbroke #studentloans #creditcarddebt #slavetodebt #smartchoices
#consumerism #debtisdumb #thefightback #socialconsciousness #debtfreelife #debtfreejourney #debtfreedom #debtfreegoals #frugalliving #budgetgirl #manageyourmoney #thefightback #thepayoff #debtbloggersau #warrenbuffett #supersaver #debtfreejourney #debtfreegoals

Today I started a seasonal side hustle. I'm worn out tonight but excited. I can't wait till my emergency fund is finished and I can start Baby Step 2!
#debtfreecommunity #daveramsey #gazelleintense #llnoe #debtfreejourney #debtisdumb

The one thing that has inspired you most on your journey? Could be a person, a book, a quote. ANYTHING. Which has now become your why, almost. For me, Robert Kiyosaki’s Rich Dad, Poor Dad is what got me to thinking that there MUST be another way. You? Please share to inspire others ⬇️

Clearly couldn’t afford to attend the @girlboss rally, but I do appreciate and love how useful personal finance content is included in almost every email newsletter from the brand 👏🏾

Yei!! Finally used the money $75 USD made on my #SideHusle that pays you in @amazon gift cards for products I really really needed. #FreeShiping #Happy #debtfreecommunity #debtisdumb #CashIsKing 😜

I know that in today's show @daveramsey said that he ISN'T the hero in my life but he really is. Thank God I've found him and have him kicking my butt everyday and showing us how to change our lives. We've only recently started our #debtfreejourney but boy have we done a complete 180 since then. It's hard but it will be worth it when we are mortgage free in our mid 30s 💪 #changingourfamilytree Can't wait to do our #debtfreescream and raise our boys about financial security and that credit cards and impulse spending do NOT go hand in hand. Now excuse me while I get back to selling everything but the kids 😅

#daveramsey #daveramseybabysteps #babysteps #learningtobefrugal #frugalliving #youtube #lifechanging #budget #mortgagelife #livelikenooneelse #everydollarcounts #motivationalquotes #cashisking #debtisdumb

Guys, I’m totally feeling this old skewl jam by #coolio 🕺🕺 It’s the kinda jam I turn up when we hit another #payday 💵 and we’re on track with our savings goals 😊😁
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Happy Friday, my debt kickin’ homies! 🙌
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👉 Follow @debtfree_millennials for inspirational money quotes & tips to live a financially free life.

Got my hair done today. Love having personal money to spend however I choose. I had the such a great afternoon getting my hair done & talking about life with @cmcoletti. I know some of y’all cut everything while getting out of debt & that’s great. It just doesn’t work for me. I enjoy treating myself to a fresh cut and color every 4-5 months. Make the plan work for you so you stay consist which doesn’t always mean cutting everything out. Happy Friday my debt free community babes. 😘
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#debtsnowball #debtfreedom #debtfreecommunity #studentloandebt #debtfree #debtisdumb #debtfreejourney #debtsucks #financialfreedom #byebyedebt #teamnocarpayment #gettingoutofdebt #payingitoff #nopayments

Sneak peek at my budget spreadsheet 😛 Normally I’m a pen and paper type but it’s so much easier to budget on excel. I seriously look at my budget and crunch numbers once a day since I’m paranoid as heck I’ll miss a payment and I’ll be in the red since I’m trying zero-based budgeting lol
I’m shocked at the fact that I’ve paid off 4 cards since October! (Old me would have spent that money so fast lol) I was crunching some numbers today 🤓 (for my 2018 budget) and realized I should be done paying the Quicksilver Card in February and the smallest loan in March/April. Once those 2 are paid off all I’ll have are 2 loans and I’m (debt) freeeee…

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