Last night we had tacos using the bulk Mexican mince (swipe right) and tonight we’re enjoying baked Mexican potatoes!! Can’t actually remember the last time I had a jacket potato 🤔 but it’s something we’ll definitely have more often from now on 😋😋 super cheap to make, tasty and filling!
Where do you see yourself 5 to 10 years from now? What do you envision your life and your family's life to be? It can be achieved, you just have to plan for it and start taking action now. Create a plan for the coming year, and start turning your financial journey around. Build better money habits, set a goal, set-up a budget, and make it happen!
When I think back to 3 or 4 years ago, I used to buy branded EVERYTHING! It just never crossed my mind that I could be saving a huge amount of money by swapping to own brand. These days pretty much everything I buy is own brand unless there’s a good deal/saving on something branded (like my 72 pack of Andrex toilet rolls 🤣). Own brand products have been my saving grace at times when the penny’s have been really tight. I am fully converted and will never go back 🙈
We are hoping to retire to a better life. Inspired by @paulapant we are trying to figure out what we want to retire to (we already know what we want to retire from). New, on the blog tonight! Link in profile!
1 228 minutes ago
Initially I calculated this as £315ish but now that we will be downgrading our TV subscription by Summer, here's the revised figure. Looking forward to not having to make these £350 worth of payments soon! 👋👋👋
My February Savings Contributions ✨
I’m pleased with this because my investment contributions this month were £25 higher. I put in what I had left over from this months budget (after having a drink with friends last night) before today’s new pay day.
My pension contribution is mine alone and doesn’t include my employers contribution.
Thought this was a fun way to get to know you, and to get to know me a bit!
The biggest push to do this was my FIL. Every time we talk to him, he gives my husband a financial talk, and it’s mostly judgmental because we were living paycheck to paycheck. My FIL paid off my sister in law’s student loans, gave her a $20k check for her wedding. His wife has 4 daughters of her own - he has paid off ALL of their student loan debts and has purchased 2 of them houses, and has paid for 3 of their weddings.
When we got married, my husband was asked if I was pregnant, then was told to keep our finances separate because “he had a feeling about me”.
That lit a fire under our butts. I don’t want my children being raised the same way.
On my side of it, my parents always have lived paycheck to paycheck. It was pretty obvious, but we didn’t struggle too bad. They at least made it known to my brother and I. It’s actually at the point with my mom that she’s comfortable talking to me about money. She knows about the path my husband and I have chosen, so she’ll ask me for tips or things that can help.
I think for their anniversary, I’m going to gift them with TMM or FPU because I know they’ll benefit greatly from it!
So tell me, what’s your why?
The best thing I ever did for my financial journey was to automate my savings. I thought that I was disciplined enough to save money and leave it there. I was not. ⠀
When pay day came and it was time to send money to my savings accounts I could always think of a reason or 5 of why I should save less than specified that month. ⠀
When I moved to automated savings the game changed. The money is out of my account quick and I did not feel the pain because I never had the money to begin with. There’s no second guessing because there is no conscious effort. You can set up a standing order to help you with the process. There are also a few things that could help you on your way. For example @joinstepladder helps you reach you house deposit goals by taking monthly direct debits. ⠀
If you like luxury items @cashmeretheapp can help you get there without using credit!⠀
There are definitely some options out there if you want to automate your savings so you can reach your goal faster. ⠀
Sorry about the terrible picture - I was trying to wrangle my little man and snap pics through a sun glared window at the same time 😂
2 121 hour ago
2019 was the year I realised if I was to get super serious about achieving the impossible, I had to build positive financial habits. It was also the year I realised, I wasn't proactive and faced a few difficulties just because I didn't bother to check in on other areas of my finance such as credit scores or pensions.
For example:. My Credit Score - A creditor had fallen out of my DMP (A handover) as a result, my payments were not being made. I knew I had some letters but kept putting it off. Its only when I logged in to check my credit score I realised the huge negative impact this had had on my file. Sounds so silly now I know!
My Pension - I have received so many DMs from ladies who followed my Pension worries, who had the same thing. They randomly check their account to notice missing payments. Its so worth checking, even if its just to look at the latest contributions.
I feel like the more I check, the more curious I am which means I then learn more at my own pace. As we approach the end of the month, ill be making a conscious effort to check the aforementioned, it literally takes 5 minutes and the best thing about it is the more I log in and just have a browse, the more I become familiar with it. The terminology doesn't scare me as much and I feel like my financial confidence is growing and it keeps me super focused on my debt free journey.
Now the next thing to add to this list is investments!
Many people have hesitated from the thought of Debt Review. Some have written off the idea completely. This could be due to a bad experience with a Debt Counsellor. Remember, all complaints can be lodged on the NCR website. Infinite Life would like to reassure you that our Debt Coaching procedure is straightforward. We will keep you in the loop every step of the way. Our aim is to help others grow. For more info on the benefits of our program, get in touch: https://www.infinitelife.co.za
My cousin tagged me on this post and it made me realize how easy it is to spend $10k on random things in a year.😳 Whoa. (っ◔◡◔)っ ♥ 𝐅𝐨𝐥𝐥𝐨𝐰 @𝐦𝐨𝐦𝐦𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐛𝐮𝐝𝐠𝐞𝐭 𝐭𝐢𝐩𝐬 𝐚𝐧𝐝 𝐟𝐮𝐧𝐧𝐲 𝐦𝐞𝐦𝐞𝐬 ♥
So, rather than spend it.....𝕤𝕒𝕧𝕖 𝕚𝕥.
If you are looking to save money by the end of this year, try this as a challenge and save $27.40 each day.
Even if you can't save that amount everyday, it still adds up by the end of the year and honestly, it's better than nothing. 📷 | @mommzilla.memes
1 71 hour ago
Oh lawd! We’ve made some major changes to our financial plan for 2020.🙈 My husband and I have been going back and forth about our budget plan since December of last year. We couldn’t decide if we should focus entirely on 1) paying off debt OR 2) pay debt AND add money into our emergency fund AND vacation savings.
We decided to do the latter! 🙈 We would absolutely love to throw all this extra cash into our auto loan, but we’re not satisfied with our current emergency fund AND we need to save for a very important trip home next year. We are super ambitious with our savings goal for these two categories, but with discipline, perseverance, and a whole lotta faith anything is possible.
Aside from our EF and VS (vacation savings), we’re saving up for a MacBook laptop, too. It is on the pricier side, but we will be able to fully fund it with this upcoming paycheck and pay for it in cash 😊 it’s in the budget!
Swipe left and you’ll see our debt progress and savings tracker. Visuals are heaven sent and a morale booster for us. Here, we are tracking our debt progress because we’ll still be making debt payments. Every payment counts. Big or small. 😉 below the calendar, I listed three of our savings goals for 2020: #1 MacBook, #2 Emergency Fund, and #3 Vacation. I know it’s a lot, but we have a plan 😊😬🙏🏼 We’ve learned so much from the #dfc and although our plan doesn’t coincide with Dave Ramsey’s, we’re more comfortable doing it our way. It’ll slow down our debt payoff of course, but the peace of mind that a fully funded emergency fund and vacation savings is worth it to us. Personal finance is just that...personal! Make it work for you and your family. #Priorities
I’ve been *𝘵𝘳𝘺𝘪𝘯𝘨* to be super intentional with what I buy for Baby.
Almost of this has been handed down to us! I bought maybe 1 onesie and 3 pants that are still hanging around from the previous size— because THEY STILL FIT 👏🏼
It’s SO HARD to not get sucked in to Target & Old Navy’s adorable clothes. But, as a mom of 4 now, I KNOW better. Now I just have to DO better. #accountability
Things we 🛑 𝐒𝐓𝐎𝐏𝐏𝐄𝐃 🛑 buying:
• Outfits for random occasions (school events, gatherings)
• DRESS SHOES FOR KIDS (they get worn once or twice and then they get grown out of!)
Alternatively, I 𝐃𝐎 buy things from the Dollar Tree or Target’s dollar section to keep them FUN and “festive”, like heart headbands for February ❤️ and rainbow & gold bows for March! 🍀
0 41 hour ago
Easy, fun and education activity and home! I just put dish liquid in a big container and whisked it with water!
I then had different objects laid out, mini animals, crystals, rigatoni and plastic screws. Henry then went nuts with mini tongs! He had to find different coloured objects, try this grab different things at once, “hide” the crystals in the water. He played with this set up for an hour... and then tipped it on his head 🤣! It’s great for fine motor skills, categorising (find an animal with....), counting and colours. Best part? It didn’t cost anything .
This week I’ve been looking closer again at my monthly payments and when I’ll be consumer debt free. The date was November 2021 but it then occurred to me that I’ll STILL have a car payment and I’m just not ok with that. I put a poll up yesterday to see how many people treat car finance separate to cards, catalogues and other borrowing and I was surprised as I thought it was just me that kept it separate. It would appear my dealership where very sneaky with me last summer and my car isn’t actually HP but a personal loan for an eye watering 13.9%. Had they had said we can get you a personal loan for 13.9% I’d have said no way but because they used buzz words like finance, 5 years, return at 50% paid and only £169 per month I didn’t think it was unreasonable. Partly my own fault of course for not checking the paperwork with a fine tooth comb and trusting a salesman working on commission thinking they had my best interest in mind.
God I don’t half ramble do I 😂 Anyway yesterday I contacted my credit union and got a new loan of 6.5% to clear off the stupidly high loan and it’s only added an extra 6 months to my debt free date which now includes my little car. Had I had added my car loan with the high apr to my debt figure it would have added years. I feel so much better and much more in control now 😁 #daveramseybabysteps#babystep2#debtfreecommunity#debtfreecommunityuk#debtfreejourney#debtfreejourneyuk#debtfreedate#overpayments#livebelowyourmeans#actyourwage#ynabcommunity
0 91 hour ago
Some things are quicker and easier to give up than others. Some things are worth budgeting for because they bring you joy, and believe me you need a bit of joy on this journey!! For some hitting up the Starbucks on the way to work, is something that they need to keep, for others it's an easy thing to ditch or make at home.
This journey is incredibly personal, what works for one may not work for another. The end goal is the same, how you get there is up to you! You have to figure out what you can use and utilise to your advantage.
There is no point budgeting so hard that you are miserable, you'll slip and more than likely fall back into old habits. You have to allow yourself to have snippets of fun! Some of that fun is going to cost money, great if you have a ton of free stuff to do, but there is a real chance some of the fun to keep you on track is going to cost money!
Most financial experts say that your emergency fund should ideally cover 3-6 months of expenses. But if your expenses are $3,000 a month, saving $9,000 - $18,000 might seem a bit overwhelming 😰
Instead, here’s a three-stage emergency fund plan that will help you gradually work towards expert status, while still covering you for various emergencies that can pop up in life unexpectedly.
Set aside a % of every pay check to put towards your emergency fund. Don’t forget to keep this money in a high-interest saving account (scroll down for the post we’ve done on this!) to make sure your money is always making more money 🙌🏼
What stage are you at with your emergency fund? Tell us below 📣
It’s my fiancé’s birthday today 🎈 so I made him some Oreo fairy cakes 🧁 - these are them not iced ... the icing turned out to be a bit of a nightmare 🙈 and they now look like they have been dropped in mud but they still taste amazing 😋
So this week has been all about printables and achieving balance. Each day I was writing down a mammoth task list that included housework and other things I intended to do. But usually failed. So I broke it down and day three it's already more achievable and I've actually been more productive. I based it on building a house, foundation tasks, second fix and finish. Definately feel more in control. Do you struggle with balancing all the plates. If so what works for you? #housework#hoveltohome#tasks#sinple#quick#debt#debtfreecommunity
7 471 hour ago
If you are going to borrow at least do it properly.
Lack of understanding in what your signing up to is what gets you in trouble.
Sometimes in your life you have to take chances because you’ll be on a 9-to-5 job in the slave market then you’ll regret what you could’ve done how you could’ve done it. with Where your family could’ve been so what’s stopping you take more risk... it’s TIME TO #dream
Posted @withregram • @daveramsey A credit score is nothing but an "I love debt" score. It's proof that you've borrowed money and paid it back, so that you can borrow more money and pay THAT back. And the cycle goes on forever. If you want a life without payments, stop chasing a life WITH payments.
When I talk about this, people usually ask how to buy a home without a credit score. It's completely possible, and it's called "manual underwriting". Mortgage lenders used to do this all the time. They simply verify your ability to repay the loan by checking things like your employment and record of paying things like rent, utilities, and other applicable bills.
Don't believe the LIE that you need a credit score. You'll be just fine without one. #debtfreecommunity
0 12 hours ago
Sometimes I feel like this after paying off my debt.
"I give myself permission to:
. ✅ Be who I am.
✅ Take good care of myself.
✅ Let go of the expectations of others.
✅ Say "NO" to demands on my time that are draining.
✅ Step outside my comfort zone.
✅ Have my agenda and act boldly.
✅ Stay focused on what’s important to me.
✅ Make more money and be financially secure.
✅ Build wealth and be financially free.
✅ Release the past, move on and be happy.
✅ Step into greatness and conquer the world.
✅ Start all over.
The next time you feel you have to ask someone else for permission for something that you need, look in the mirror and ask yourself. Then tell yourself: PERMISSION GRANTED! Give yourself permission to live your best life."
*Extract from my book, 'NonSecrets of the Financially Secure', Volume 3 Page 20. Link to books in the Bio☝️.
It’s no secret that millennials spend money differently than previous generations. And while some of the spending habits may not necessarily lend themselves to future financial security, the financial track record of this generation isn’t all bad.
The Schwab study mentioned above also found that regardless of some of their spending shortfalls, a majority of millennials feel secure in how they spend their money. For example, 81% of millennials felt confident in their ability to achieve their financial goals, compared to 65% of Generation X and 54% of Baby Boomers.
Overall, millennial spending habits seem to reflect the generation’s priorities: convenience, a focus on experience rather than things, and a delayed start when it comes to homeownership and starting a family.
It’s also difficult to observe the spending habits of millennials without considering outside factors such as rising student loan debt, lower salaries, even the gig economy. These factors, as well as millennials’ spending habits, definitely play a role in the financial health – and future – of this infamous generation. *data from TheBalance.com
2 1452 hours ago
🧨💸 MAKE MILLIONS! 💸🧨
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They always tell ya to dream big but without an actual roadmap or plan, it just stays a dream!
Everybody wants financial security but it takes dedication, consistency and patience! It’s not magic. Just do the math!
You can try dropshipping or flipping homes OR you can just work hard, invest and pretty much reach your goals. Bring in your side hustle and go crush mode!
Start now and hit me up anytime!
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February was a HUGE month. I can’t take all the credit though - a big chunk of this was our federal tax return. Without it, we would have paid off about $2200, which is about average for us.
But we PAID OFF MY CAR! I’m super excited about that, and excited also about this opening up $434 a month that can be a huge snowball payment on our credit cards. This was also our first month with a lower cell phone bill, since my phone is finally paid off too ($47 less a month - yay!)
Overall this month we spent a little more than I would like to have on social outings. I had two co-works retire at the traditional age, so there were retirement gifts and lunch events out as a group. I’m also doing monthly dinner dates with my younger co-worker who retired due to health reasons. Her doctor has encouraged her to keep these social commitments to keep her spirits up. Work is life lately, that is for sure.
Coming up next month....buying an interview outfit for the first time since 2004, black heels and a haircut....more to come on that soon!
0 22 hours ago
Are you using cash envelopes?💕I haven’t started yet, but I am planning to do so in the near future. Just don’t have any cash to put in them at the moment😜
September 2016, I made my stupidest financial decision. I bought a brand new VW Beetle. I was at the dealership for 6 hours going back & forth on the decision, finally I signed on the dotted line at closing time & then had a panic attack on the drive home. I had dreamed of having that car since I was 15, but it wasn’t a responsible decision.
Now just a few years later I’ve outgrown it & truly need something bigger. I found a car I was interested in & it would be almost an even trade. Thankfully I have positive equity in my car.
Darn google/capital one mind readers gave me a preapproval offer.
My old habits say go get the SUV you really want & I’m struggling with the temptation. So here’s my accountability. #debtfreecommunity#debtfreejourney
Now I know I am super lucky to be in the position I am with studying full time, living at home and have a large amount of spare time to do whatever I want, but I do still get days where i get burnt out, where I feel like i should be doing more in my days and trying harder
When I've done all the cleaning, organsing and preping I can and I just cant push myself to do anymore!
So today I just relaxed, watched tv and if you've seen my stories randomly change my room around😂
Most days I focus on trying to be productive in some way! So I'm not wasting my time or just being 'lazy' but its hard to try to be so productive constantly and not burn out! So im trying to find a balance in my life before it becomes a more fast paced working life style that im sure to have in the future, trying to live in the moment..
1 3022 hours ago
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How many plain white t-shirts is too many? In my #closetinventory I discovered I had about 12 or 13. This didn’t include graphic tees. That sorta hit me in the face, because it was clear evidence of how often I would find myself constantly searching for the “perfect white tee”. Each time I thought I found “THE ONE”, something would end up not being quite right and I’d keep searching. That’s how you end up with 13 versions of the same thing. 😳😑
Have you ever found yourself in the constant pursuit of perfection? Have you ever found it? ✌🏻 #slowfashion#lowbuy#youareenough
70 1,63524 February, 2020
It’s official now! 🥳🎉🙌🏻 I was offered and have accepted a position at the next level at my current employer (staying in my current location). I have so enjoyed my current job in Hospital Operations and have had the best boss ever in this past year, but I will be joining an awesome clinical team as their Operations Manager and I’m so excited for this next chapter of my career. As hard as it is to leave a position that has been so good to me and was exactly what I needed at that point in my career and life, this next step with this new group also just feels right. So now instead of just the 4% cost of living salary increase I was expecting, I’m going to be getting an 11% salary increase 🤑 (benefits stay the same). This salary increase is really going to accelerate my debt payoff timeline, which was already a stretch goal! I haven’t done all the math yet but I’m looking forward to financial freedom even sooner now and I’m so grateful for everyone that has encouraged me, supported me, and motivated me (including the #DFC !), and for all the opportunities I’ve been lucky to have where I could work hard, shine, and earn a position like this. I kinda can’t believe I made it this far and I’m so proud of myself 🥺
100 1,45024 February, 2020
I'm keeping it simple this week with my goals.
No crazy statements about saving a ton of money.
No big plans to tackle a huge project.
Just me and my simple goals that (with consistency) can change my life.
This week I will...
◇ Move my body 30 minutes every day.
◇ Make dinner at home 6 out of 7 nights.
◇ Be more present at night with my family (reminder: put the stupid phone away, Allison).
◇ No Amazon or Target purchases.
These goals might seem simple. You might laugh and say "I do these all the time."
But my truth is that these are things I NEED to work on. And I can tell you one thing...writing them down and sharing them for you to see holds me accountable.
What's one goal you have for this week? Write it down. Type it out. Say it out loud. Let me be your accountability partner.
Let's do this together!
62 2,27824 February, 2020
Two years ago, @daveramsey had me on his show and shared my story. He and his team were kind, enthusiastic and incredibly supportive. .
I was thrilled to be there, with my friends @katrolfe10 and @kittyredqueen, who came to Nashville to celebrate my win, and eternally thankful to all of my internet money friends who rooted for me while I was paying off debt and cheered for me like family when I became debt free. .
Life is so much better without debt. The options I have now mean personal security, the skills I learned to get out mean I am a great steward of my money now and will have future wealth. .
I am thankful, grateful and blessed. The work was worth it. The day to day sacrifices were worth it, they've faded in my memory now like a dream. .
I watched my show today and I said telling myself no was the hardest thing. I don' remember a single thing I denied myself... so I'd definitely trade all those things again for what I have now... freedom, options, a fun budget. 😁 soon a property and additional income stream. .
Be patient. Keep working towards what matters. You got this.
Right here, this is where i want to be🖤
This is what we created.
This is what we worked countless hours for.
We did this.
Everything in this picture was paid for with cash.
Everything in this picture is here because of premium grade nutrition.
Everything we have created is because of network marketing.
You may roll your eyes or scroll by when i post...
So I’ll tell ya what, when the products stop working && this opportunity stop providing...that’s when I’ll stop sharing.
I wouldn’t hold your breath💋
A little Monday humor to kick off your week 😜🤣 It’s so true though. We don’t eat out too much. My husband is a great cook so I actually love to stay in and eat his cooking. It’s much cheaper overall to meal plan, buy the ingredients at Aldi or Price Chopper and cook at home. Plus I can help so it becomes a fun activity to do together.
I don’t refuse to cut out eating out all together, we just do it minimally and intentionally with the fun money of our budget. This way it’s a treat and we enjoy it so much more when we do go out. I LOVE to save and pay off debt, but I refuse to give up all of life’s little pleasures just to get it done maybe a month or two early. #debtfreecommunity#debtfreejourney#personalfinance#dfc#dfj#meme#funny#mondaymotivation#treatyoself#moderation#savingsgoals
41 1,47924 February, 2020
Didn’t have much time to shoot new content for the ‘Gram this weekend, so here’s a photo from when I tried to make myself look cooler and less awkward than I really am IRL 😂 - happy Sunday, babes ✌🏻 #docmartens#leggingsaspants#outfitrepeater