Option to work or not work. Option to stay at home with the kids or not. Option to build a passion project or not. Option to travel for a year. Option to retire twice, or switch jobs, or follow the royals I don't know.
But for many of us in the season of wealth building, its about the options not the money or the retirement. Because when you work this hard to be financially independent chances are your not going to retire.
Starting my weekly chicken stock made from a whole roasted chicken. Do you buy a chicken every week to roast and make stock? It’s so affordable and so good.
I usually stuff the chicken with lemon or orange, garlic and onions and fill the pan with carrots, celery and bay leaves and roast it at 350 until the temp is 160 degrees.
I keep all the meat for chicken Caesar salad, chicken noodle soup, cashew chicken salad, chicken tacos or whatever else I can think of for meals throughout the week.
Then I make a stock out of all the bones and veggies (removing the skin and fat) simmering on the stovetop for a couple of hours. Later I strain the broth and feed my dog any chicken scraps, carrots, garlic and celery (not the bones or the onions) and he is sooo happy!
Before I use the stock in soup I strain off the fat that has risen to the top. Then I make one our favorite soups like potato, minestrone, chicken noodle, or pumpkin.
Does it sound like a lot of work? It does take some time but it’s super easy and makes our grocery budget stretch pretty far! #debtfreeliving#debtfreejourney#debtfreecommunity#frugalliving#fpu#dfc#inthekitchen
Wednesday || our home day and usually sandwich free day. 🙌🏼
The most common question I get asked is which of our lunchboxes do I love the most. Very hard question to answer 😆 For the kids, my go to is usually the #littlelunchboxco Bento 5. Perfect sized compartments for my kids ages (2 & 3) and a fun design on the top which they love. One easy latch to open and close. 👌
What’s your fav lunchbox for your kids? Comment below 👇🏼
Today’s snacks: @aldiaustralia greek strawberry yoghurt pouch (my fav ones to buy from Aldi - I’ll share ingredients in my stories)
Strawberry & blueberries 🍓
Anzac Biscuit (Recipe from Thermomix BCB)
Carrot 🥕 cherry toms 🍅
Cheese 🧀 and water crackers
Lunchbox and bento cups from @lunchbox_mini
When you wake up with a matted rats nest for hair, and you have been toying with the idea of a cut for awhile, you just go for it... With your sewing scissors. At 8am.
This move is NOT soldering everyone feels comfortable with. What can I say? I live life in the edge.
What are some crazy things you've done to save money?
2 31 hour ago
What team are you cheering for?🏈 I’m from Wisconsin so my friends and family are mostly Packers fans... I just come for the snacks! 😬
Ibotta definitely has deals ready for game days! On my menu for the next game...
🏈Turkey Quinoa Chili- See my recipe from last week.
🏈Cheese and Pretzel Crackers
🏈Spinach Artichoke Dip and Pita Chips - See my recipe from yesterday!
🏈BBQ Party Sausages - See recipe from yesterday!
🏈Get those FREE Popchips!
🏈Add to your menu if needed with some other offers from Totino’s, Tostito’s, and Pepsi
1 51 hour ago
You might be surprised to learn how much money you could save from reviewing all your paid subscriptions and services. 💵💰
Since many of these costs come out automatically each month and are usually not large amounts, you may not even notice that you're paying for them. But $10 here and $30 there add up!
So today, take 15 minutes of your time to look through all your banking expenses and ask yourself: which of these do I still need and which can I do without?
Chances are you'll be able to find a few extra dollars a month that can go to savings after your review.
We’ve done something a bit different this month. We’ve purchased double our usual amount and we will wait until December for our next purchase. This month we bought VTS (vanguard US total market). They are a bit pricier than our other vanguard shares so we doubled up to save on brokerage.
Why are we limiting the amount of money invested in the share market? A few reasons. I’m still just dipping my toe in and we are also working on paying off our house.
Keep in mind that it can be better to invest larger chunks of money because of fees. They’re paid on every purchase so can really add up.
What’s the minimum purchase amount you’d make?
Super check in: Currently at $55,356 after a beefy contribution due to my yearly bonus. Up from $50k in July and hopefully on course for $60k by year end. Not bad I guess as I've it been earning Super for 4 years and 3 months.
I'll have to decide whether to stay with AMP or move all my finds to my new employee super. Was not satisfied at AMP until their last year, but also the findings of the royal commission was pretty shocking and I am unlikely to keep my money with them.
Hello! My name is Katelin. I am finally taking something I am passionate about and turning it into something! I love to shop, redo things and make things but I don’t like spending a lot of money. So I’ve always been known to get things for bargains and I am going to share my secrets on how I save money. I’ll share my favorite make brands, how I shop for things for my home and how I redo things to make them look like I spent a lot of money on it but in reality I spent a few bucks on it. I can’t wait to share with you my secrets to saving money ❤️. #bargainshopper#makeup#cheap#lifestyle#homedecor#myfirstpost#frugalliving#redoingfurniture#hello
0 41 hour ago
Took some old clothes into @platoscloset today. Made a few bucks on some items I would’ve donated anyways 🙌🏼 Win, win!
Looking for some more finance/budget/ lifestyle change books!
Hit me up with what you’re reading/ have read that’s changed your life! ✨
4 161 hour ago
Would having another single parent lighten the load on household duties? Yes, it sure would. With less time spent on cleaning there’s more time for other things in life ... What would you do with that time?
I hate waste. I was brought up to be patholgically frugal which has turned out to be tremendously helpful in life. Knowing how to live cheaply has meant that I have been able to make important life decisions based on other things than money. To choose to do work that I believed in rather than paid well. To be able to spend lots of time with my children whilst they were growing up. These things made me way happier than a bigger paycheck or more aspirational job title would. The hatred of waste is also deeply connected with care for the environment. Anyway that brings me to these bits of leather. When I designed the sheath for our carving axes I cared not only about how well it fitted the axe but how well the finished pattern tesselated to avoid waste. Even so between each cut out sheath we do have a bit of waste.......so.......Wood Tools keyrings. I made one and have been using it for a year and like it so we're making more. We'll be adding them randomly to mail order parcels.
Do you hate waste? What's your favourite waste saving idea? I bet there are some good ones out there I'd love to hear.
12 2231 hour ago
Fashion is what you buy, style is what you do with it.
My classroom is my runway .
. Jumpsuit: @hm $7.99
. Earrings: @hm $2.00
I'll save next month...
I'll save once the cars fixed
I'll start saving when I'm in a better paid job
Before you know it, ten years have passed and you have nothing to show for it. Talking from experience...😒
It was only when I was on the bus, running late on my way to pick up my son from school I realised how different things would be if I had just saved.
If I had saved, I would have had money to buy a Dave car (a cash funded probably none desirable car). I would have had a car and no need to have ran to school or catch the bus for some time. Not to say theys anything wrong with that but it was the simple act of not saving that had had such a huge impact on my life. I was under the impression that I needed to save big. I need to save hundred, two hundred or more. But that wasn't the case, saving any amount was good enough. #startsmall
So later that night I decided to get crafty and create a plan. I knew that I wanted to save but the £1 a month just didnt motivate me. Fast forward a couple of weeks later and I had a spare fiver from a refund. I decided to open an account and put that straight into savings.
I realised a fiver was enough to motivate me to save but not enough to miss that I would dip into it so I'm back at zero. A fiver was the equivalent to my guilty pleasure of buying a coffee with a snack. I always had money for that no matter how broke I was. 🤨
The minimum savings method was created.😄
Since then I've saved £5 a month towards my goals such as buying a house. Do I know a fiver is absolutely nothing towards a deposit? of course!! But when you get that cheeky refund from the energy supplier of a few hundred, maybe then the savings can be topped up by a nice chunk. 😉 The problem wasn't having enough money, the problem was not forming the habit of treating the savings like a bill on payday. Which I now call #saveday 😀
The beauty of the #minimumsavingsmethod is it allows you to build a habit, without missing the money and get a sense of achievement. It allows you to get creative and once you save that initial amount, if you're feeling brave you can then search for extra ways to save.
5 701 hour ago
Moving in with my parents has definitely affected our budget.
We’re only paying a small amount of rent as my parents know we’ve got a lot to save for. This rent covers all our ‘bills’ including electric, heating, rent in general and our food costs. This means the only things we need to pay for are travel and little misc expenses. .
This is giving us a big chance to save and put our money towards sinking funds & future goals, until we have these expenses back when we get a place of our own (which hopefully won’t be too long).
It's almost the end of the month which means it's almost time to recap on your spending and goals. I am cuckoo for my checklists so I am sure to have an end of month and a beginning of month checklist.
Remember, getting better with your finances is an ongoing process and by checking in with yourself monthly, you will be able to keep yourself accountable and track your progress!
I wrote all about it in this week's blog post so check it out! Link in Bio!
If you like baking all things pumpkin, then you need to start making your own pumpkin puree. It's super easy and a huge money-saver!
If you want to see how I do it, check out the quick video I just posted. Just follow the link in my profile @sixfiguresunder
I got 14 cups of puree out of this smallish pumpkin yesterday. Now to start baking!! Also documenting my #36weeks#babybump . That means a short 5 more weeks (I'm always a week or so late) until we meet this little one! How fast did that go!? https://youtu.be/KbREeXnvvUQ
WE’RE DEBT FREE! 🎉 November 2018, we got serious about paying off our debts. We decided that the future we wanted didn’t include minimum payments, but instead, allowed us more flexibility for things that matter. We have since paid off $30,749! 😱 That included 2 car loans, student loans, and credit card debt. Halleluyur. 🙌🏾
We budgeted, shopped frugally, packed our lunches, and tried our best to avoid instant gratification. We still traveled some & said yes as often as reasonably possible, so we were by no means deprived, but we also learned to say no to things that we didn’t value. We have some BIG plans ahead - and we’ll get there much faster without over $1,000 of minimum payments every month 😵 Also - yes, we still have a (modest) mortgage. I am so proud of us! #weredebtfree#debtfreecommunity#nomorepayments#financialfreedom#firecommunity
Budgeting with me does not equal deprivation of YOU. My goal is to teach you to do ALL of the above. I’m not in the business of telling my clients they shouldn’t go on vacation, they shouldn’t buy that new outfit and they shouldn’t purchase that nice bag. I’m in the business of telling my clients how to take care of needs FIRST...and tthheenn let’s have us a good time💋. Let’s buy ONE of those really cute bags. And when you’re going on vacation...get your hair done sis! You gotta do it cute!! Because what good is living if you can have a good time to show for it?! •