Another payment on a credit card. The balance almost under $1k! So close! Debating if I want to cash out my rewards and apply it towards the balance or cash it out for a gift card? 🤔 #nomorecreditcards #debtfreecommunity #debtfreejourney #debtsnowball #debtfreeliving


Let's talk C.R.E.A.M. 😂 (That came out of Mark's mouth when I asked him what we could talk about today.) If you don't know what that means, well you're getting a little old maybe. Lol Let's get to it. Money is the #1 reason why marriages end up in divorce according to statistics out there. Money is a very sensitive subject but it needs to be talked about very seriously in a relationship. One thing that we believe in is tithing. 10% of our income goes to the LORDT. Okurttt. Not gonna elaborate on this because if you know, you know! NEXT! Early on in our marriage we were introduced to @daveramsey 's Total Money Makeover! I honestly do NOT know what we would've done without it. Shout out to my mother in law @patty1814 for putting us on it. It has saved us so many headaches, stress, & potential arguments. So let me give you a quick break down. 1️⃣ Save 1,000 for an Emergency Fund! Don't touch it, don't look at it. Act like it's not even there. 2️⃣ Pay of ALL Debt with the Snowball technique. (Meaning smallest to largest) 3️⃣ When you're debt free, SAVE for 3-6 Months for your emergency fund that already exits to add to the $1,000. 4️⃣ INVEST 15% of your income towards your retirement. 5️⃣ Save for College Funds for your kids. 6️⃣Pay off House 7️⃣ BUILD wealth & GIVE! 🙏🏽 One thing that has helped us deal with the many expenses in life is the app @everydollar budget! It tracks your bills, expenses, your income, and helps you to see where every single dollar goes. For me, it helps with making sure I have paid alllll my bills. Kinda like a checklist. ✔️ If you want more guidance, DM me and I would be willing to answer questions or help. Don't let money get in the way of your marriage and the love that has united you all in the first place. ❤️ #TheArtistandtheDancer #BeDebtFree #MoneyMakeover #NoMoreCreditCards #IfYouKnowYouKnow#MarriageAdvice #MoneyTalks #MoneyDoesMatter #GazelleIntensity #ThisisforSinglePeopleToo

Today we had some plastic surgery! ✂️💳 Many took that first step to financial freedom by cutting up their credit cards! #proudmoments #changingtheirfamilytree #babysteps #financialfreedom #debtfreejourney #nomorecreditcards

Cut up this bad boy today!! 💪I was going to change all my accounts over to these guys, but when I had my cancer diagnoses they didn't cover me despite ticking the box that I wanted the insurance, because It wasn't processed correctly, they didn't honor it. So these guys will be the first accounts which gets closed 👌 #barefootinvestor #nomorecreditcards #takingcontrol #mylife #gettingoutofdebt #firststep #byewestpac

This dining room set was the very last thing I ever purchased with credit. I remember thinking as I handed the sales lady over my Discover card how smart I was since this time I didn't do in-store financing like I had done in the past. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
The truth though is that it took me 6 months to fully pay off that credit card balance from this purchase. And the first "debt-free" payment I made from our debt snowball, was the last payment on this purchase before I cut up that Discover card. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
We haven't had a credit card in 5 years and I don't miss it for anything. The temptation to spend money that wasn't budgeted was all too much. Like this spontaneous dining room set purchase because, yes when we purchased this set, it wasn't a necessity and it was a totally random stop at a furniture store.⠀⠀⠀⠀⠀⠀⠀⠀⠀
If you're on the debt-free journey, what was the last thing that you purchased with credit (other than your home)? ⠀⠀⠀⠀⠀⠀⠀⠀⠀
P.S. how cute is my neighbor's dog in this photo??? 😍😍😍⠀⠀⠀⠀⠀⠀⠀⠀⠀
#reallifeonabudget #debtfreecommunity #debtfreeliving #catholicblogger #budgeting #frugalliving #daveramsey #personalfinance #homemaking #nomorecreditcards

I am ALMOST there!!! I am thankful for my family and my amazing man for all the support and encouragement. I am also thankful for my job. This past year has been rough and I never had to worry about ANY medical expenses. This entire year has actually been a blessing. 🙏🏻💖 #thankful #nodebtlifestyle #nodebtnofret #nodebt #happiness #love #myfamily #myrock #amazingboyfriend #cantwaitfor2019 #nomorecreditcards #besmart #ifyoucantafforditdontbuyit #cashsavvy #budgetingfordummies #livewithinyourmeans

YIKESSS!!!! Things were moving along well and we’ve made a dent in medical bills and then BAM! Water bill sent saying we were behind and if we don’t pay it will be added to our property taxes. So everything is on hold and even cancelled family photos this week because #DebtFreeGoals . Picked up 4 shifts waitressing this week and am going to try and find this 400 dollars by then end of the week! WISH ME LUCK 🍀

Here’s my bi weekly cash clips/sinking funds. I’m not one to judge anyone on what they spend their money on. So please don’t judge me. Taking care of a 6 month old and a 3.5 year old is tiring and sometimes I don’t feel like cooking so that’s why our eating out budget is “high” We buy mostly organic food and I’m dairy, soy, and gluten free since I have an autoimmune disease. Groceries are for 3.5 adults (my brother isn’t always home for dinner and a toddler, plus we buy baby food for the little one too) Our wedding anniversary is on 11/14 and the Poke is a treat for the family requested by my husband. And family fun is for an Oakland zoo membership next year. We have one to the SF zoo already. I will update on 11/19 to see how much cash we have left for that week. #debtfreecommunity #debtfreejourney #cashclips #sinkingfunds #daveramsey #babysteps #debtfreeisthewaytobe #paywithcash #nomorecreditcards #nomoredebt #cashenvelopesystem

Hello and welcome to my debt free journey. We are a family of four who live in the Bay Area and also own a kitty. I’ve started this debt free journey one time before, but put it on pause since I wanted to be a SAHM for a bit with our youngest. I won’t be back to work until sometime next year. So right now, minimum payments, budgeting, cash envelopes, no more credit cards, and using any extra money we have towards debt. Next year it will have a bigger shovel to pay off debt since I will go back to work. #debtfreecommunity #debtfreejourney #debtsnowball #debtfree #debtfreedream #nomorecreditcards #nomoredebt #debtfreefamily #daveramseybabysteps #daveramsey

I am sick and tired of being sick and tired. I am done paying yesterday’s debts with tomorrow income. Navient - you are the next to go! #nomorecreditcards #debtfreejourney

YASSSSSSSS! This card is paid in FULL! I’ve carried a balance on this card since I got it, when I swore I NEEDED a Gucci bag I couldn’t pay cash for. So happy to be DONE! #debtfreecommunity #debtfreejourney #paidinfull #nomorecreditcards

😃Thursday is payday!

I'm especially thankful for the extra income we earn as coaches because our fur baby Lady is going to have surgery in a few days.
It's nothing life threatening!🙌 This surgery is all preventative AND even better paid for in cash with no stress. This will run us a little over $1,200. In the past, I would've out it on the credit card only to say I will pay it off at the end of the month... And lol I couldn't.

Thank you @daveramsey for teaching us how to be better stewards of God's money and HIS blessings. Because of this I can take care of my baby girl 🤗✨

So this happened tonight in FPU #livelikenooneelse #debtsnowball #nomorecreditcards

I get paid on Friday and for this paycheck I am not buying anything that isn't a need.
I haven't been too crazy with my money lately but I can feel myself slowly slipping into old habits so this is going to be a reset/kick in the butt.
I am $1500 away from being credit card debt free. I'm so close I can taste it! So anything to speed that process along, I'm all for 💪
#debtfreecommunity #debtfreejourney #debtfreeliving #frugalliving #babystep2 #healthyonabudget #debtisdumb #budgeting #daveramsey #nomorecreditcards #nerd #nospend #budgeting

Nailed It....Cut My Card after I paid off my last Credit Card in August 2018. But 2 weeks afterwards, my Income Decreased by almost 50%, as if some DEVIL in the PAID OFF credit card was claiming some victims. Anyone ever had any similiar experience like me?? #Creditcard #Creditcards #cutyourcreditcard #Debtisdumb #Getridofthecreditcard #Daveramsey #nomorecreditcards #debtfreeliving

The feeling of clearing your credit card and closing your account...🤗🤗#nomorecreditcards #outofdebt #letsnotdothatagain #debtfree #kindof #mortgagedoesntcountright

Devil thy name is debt! I woke up to this in an email today. Mind you, I owe a little over $14K on this card. They must see me coming for them and sense my determination. 🙄🤷🏼‍♀️😂 #debtfreecommunity #debtfreeby45
#creditisthedevil #debtfreejourney #debtsucks #debtfreeliving #nomorecreditcards #babysteps #livelikenooneelse

In an effort to help my coffee budget I'm trying to make iced coffee at home. I'm going to try these instant coffee packs first and if I don't like it I'll move onto Starbs cold brew at home.
My budget for coffee has been $60 a month, and I can get about 15 drinks for that at their store vs 50 drinks if I make it at home!

#buddhaonabudget #payingoffdebt
#budgeting #cashisking #nomorecreditcards
#debtfreeliving #debtfreecommunity #coffee #debtsucks #monthlybudget #biweeklybudget


This is Alicen and this is her story.❤️ "When I joined plexus 7.5 years ago, I MAY have had $20 💵 💸 "extra" to my name, I had 6 maxed out #creditcards 💳 💳 💳 💳 💳 💳, I was just surviving financially, and I lived in a mobile home.
As of today I have paid off all of those cards, I bought a home, I've knocked 23 years off of my 30 year mortgage, I've been able to pay off my parents mortgage, we're 1 bill from being DEBT FREE, we travel the world, my kids have a car/college fund, and my husband and I have both been retired from corporate America for over 6 years.
If you would have told me that this opportunity was going to make such a financial impact on our lives, I would have never believed you. I am so thankful that I took a chance on myself & plexus.
This is a stepping stone for many great things to come for my family!" I can't wait to see where this can take you!! 💝 💝 💝

#MortgageFreedom #Travel #CollegeFunds #NoMoreDebt #TravelTheWorld #FinancialFreedom #NoMoreCreditCards #ABetterWay #LegacyCompany #Freedom #ItTakesWork #ShotForTheStars #DreamBig #DareToDream #Goals #BeBrave #BeBold #Adventure #Determination #Successful #Believe #HardWork #Dedication #Ambition #Blessed #Focused

I sat down and wrote out November's budget. Like a legit budget. Every penny has a place. In a Happy Planner because where else would I write it.. Here is to getting ahead of this mess one month at a time. #budgetplanner #happyplanner #budget #savingsaccount #savemoney #savemoneylivebetter #planforit #snowball #daveramsey #payincash #nomorecreditcards #liveforthefuture #planallthethings #teachingmyson #nomorestruggle #ditchthecards

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