Slow progression with this student loan debt. My student loan was unnessarily high due to MY own stupid decisions I made when I was younger'. Was living and spending without a thought of my future in mind. I'm glad I no longer have the same mindset from when I aquired the loans. I'm also thankful that my student loan is interest free in nz. Buuuut even though it is interest free I'm aiming get this paid off by next year or earlier ✊ #overbills#debtfreecommunity#kiwigirldebt#studylinknz#livingcostdebt#stupiddebt#polykidbudget#debtfreejourney
0 117 minutes ago
We will be dropping from $106,000 to $72,000 in the next couple weeks. I cannot wait!
Quick Declutter 🧻
I find the bathroom drawers tend to become magnets for junk. I did a quick declutter this afternoon, swipe for the after! Chucked out some products I will never use, gave the drawer a quick clean and now it’s so much easier to see what we need and have right there to use.
2 1629 minutes ago
Slightly worried about this week 🙈 not going to lie!
I’m such an impulsive parent with the kids. I decide what we are doing and 5 minutes later we are out the door. So planning our activities around budget and sticking to them will be an adventure.
I’m also starting the organised mum house boot camp today as I’m fed up of my house getting out of control as I’m so busy all of the time.
So big week. Wish me luck!! #halfterm#family#military#kids#debt#debtfreejourney#debtfreecommunity
Budget talk: The beginning of the year hasn’t gone the way I expected but everyday I am learning something new and meeting the most wonderful woman (you girls know who you are 😉) I am motivated and we are moving forward, slowly but forward!
It is hard...twice in 3 days I’ve had “things” sitting in a cart for purchase...they are things that need replacing soon but it doesn’t need to be now...and both times I shut the page down 😁 Once upon a time I would have gone what the hell and bought it but I sat back and realised I have more important uses for our money!! I don’t use EXCUSES now, if I think it can be done then it will be done!
Only you can want to make a change, no one can do it for you.
So let’s say cheers to no more excuses 😘
10 24an hour ago
#mondaymantra heard on the ever so funny @bridechillapodcast. Oh trust me, I can relate to the desire to splurge. You may want a fairy tale celebration and perhaps to impress your guests...but it's just not worth it to spend more than you can comfortably afford on your wedding. Yes it's a big day and (hopefully) you'll only do it once. But isn't it better to keep it small and sweet than saddle yourself with debt as you embark on this next chapter of your life? Stay strong, #budgetbrides & #budgetgrooms! 💪🏽
I don’t know who the photo cred belongs to BUT I saw this is 💯💯 and I immediately connected with it. Mondays and I have never got along 😂😂 but in saying that it’s a day closer to being debt free and living our best life.
1 10an hour ago
so finally decided to start my own savings inspo page, after following a few of you on my personal one.
Just a tad embarrassed/ angry at myself for being this old, and without a finance plan in place, jeeez! oh well, better late than never huh. My short term goal is 5k of savings in 5 months, and getting rid of my personal loan long before the 6 year term is up.. which is Feb 2020.
I'll slowly share my journey, but for now, sorry for lack of posts ❤❤ #debtfreecommunity#debtfreejourney#frugalliving#savingschallenge#savingsgoals#debtcrusher#debtfreegoals
Hey guys. So I’ve seen this idea of saving coins in jar and think it’s fabulous BUT every time I have a crack at it I end up using the measly few dollars I’d saved. Any tips? Inspiring words? Success stories? I’d love to hear!
It’s a busy Monday night here in the Daley-Dermott household. Either that or this photo has been totally staged 🤷🏻♀️. But if we imagine it’s legit, I’d say that I’ve got the boys helping me put the finishing touches on the #internationalwomensday event and I’m pretty sure their fingers and paws are burning from all the fab plans they’re making [under my direction, of course]! Ben is somewhat shocked I have this many Insta gal pals and Duke is asking me for their numbers - he loves the lady humans 😉if you have t got your ticket yet, I’m pretty sure Monday night is the perfect time to make a tea, click the link and pop in FFTIWD for $$ off your ticket before they’re all gone! Any Q’s on the event, feel free to DM me but all the goodness is in the Eventbrite link for your reading [and booking!] pleasure ♥️
2 241 hours ago
After actively looking for a month HE GOT A JOB !!! It’s $10k less than what he was on BUTTTTT - theres overtime pay; can work weekends if he wants + RDOs he can work and get extra $$ which will give him more $$ or just have them off and hang with us. New change of career and something different for him !! • •
Next thing is MIL is calling me about jobs !!! Don’t get me wrong thanks for the offer but I’ve budgeted to have time off + babies only 7 WEEKS OLD !!! Im not ready to go back to work anytime soon and let alone full time (she’s hoping to get a work package and become babies babysitter to save us money) lord give me strength. 🤞🏻She knows we don’t need to stress about me going to work anytime soon and I have mentioned multiple times I won’t even look for anything until tax time at least 🤦🏻♀️ #ozdebtfreecommunity#ozdebtfreejourney#gotthejob#employed
Ever since I graduated from my masters I’ve had this feeling like a cloud is looming over me and my financial journey. This cloud is my HECS/FEE-HELP debt. But thanks to @mymillennialmoney there recent podcast on HECS/FEE-HELP cleared up so many questions I had! Thank you, thank you, thank you. If you’re in the same boat as I was, give them a follow and listen to the podcast ☺️✌🏼
3 282 hours ago
Received an email a few days ago stating that the landlord has decided to raise the rent, this is despite issues still not being fixed and prices dropping in the area. Just what you want to hear! So after a discussion we’ve decided to not only move but move further out to reduce our costs. It’s time to make a change! If we do it right this will mean thousands towards our house deposit which is exciting!
Will keep you up to date here about what effect that has on our saving efforts and also what I’m currently dubbing ‘the purge’ 😂 The house is good but there are some tubs in the garage I’ve been meaning to get around to going through to sell, donate and throw away. Looks like I’m now doing this urgently!
I’m hoping what was initially a shock and some stress is going to turn into something that works out better for us in the long run.
1 172 hours ago
So I woke up this morning checked bank accounts as I do every morning to realise £7.99 has been taken for a magazine subscription I don’t even use 😩😩 For some reason I genuinely thought I had cancelled it. I had 3 months for £1 so wanted to give it a try on my mobile and soon realised I much prefer a magazine in hand but refuse to buy them every week or two!
Let’s just say it’s definitely cancelled now! I’m normally so good I put the reminders In my phone to cancel the lot even if they are a year down the line I always have a reminder! Couldn’t be more annoyed at myself right now! £8!!! #debtfreecommunity#debtfreeuk#debtfreedom#debtfreejourney#debtfreegoals
0 172 hours ago
Creamy lemon butter chicken for dinner 🙌🏼💃🏼 I think this was my best batch yet and no visitors for dinner means leftovers for lunch 🙌🏼👏🏼
I choose to “loan” the government money instead of altering my withholdings. I can easily make one good decision a year (putting my entire return to debt/savings) than make 26 good decisions. If I had extra money in my check each pay period, I would spend it.
In the past, tax returns were used stupidly (when I was married). 2016 was a dog run. 2017 was tattoos for both of us 🙄 But times have changed.
Know yourself! This journey is so personal. I’m not good at budgeting. I know I don’t allocate my pay perfectly each time. I love getting big returns because I can make big impacts on my financial life.
1 162 hours ago
Night off to see @roxyjacenko 💖 I've flown from BNE to SYD, I've got wine, I'm people watching and chatting to a bunch of wonderful women and I'm feeling like I'm filling my bucket 💖
Also.. this is me!
Butter chicken for dinner tonight. Such an easy meal to bulk out with veggies, legumes and rice. The recipe base we use suggests it feeds 2-3 people but I add 500g of meat instead of 300g, a tin of chickpeas and half a cauliflower. There is always more than enough sauce and the cauliflower is delicious since it soaks up all the flavour as it cooks. Served with rice, papadums and some steamed broccoli for my cauliflower boycotting children 🙄 This made 2 adult serves, 2 small child serves and I have 3 serves left for the freezer 🙌🏼.
Almost at the end of month 2 of our debt free journey. The weekends are always the hardest for me because I want to go and eat out. Do you find it difficult to cut out things to keep within your budget?!? #debtfreejourney
We had an amazing weekend in Seattle! But I’m so excited to be home in our comfy bed – hotel beds S U C K !! •
We came home to a messy house (I hoped it would clean itself) so we busted our butts getting it ready for the week ahead of us. •
I’m not ready to go back to work though, can I just stay home for a week? 😩
Been thinking about what I want to accomplish financially over the next 5 years. Being a young adult, I’ve been feeling this pressure to be able to own a home by 30, or else I’d be essentially “failing” against societies standards.
However, the more I think about the debt I could go into by just not having enough on a down payment or by having my student debts present, it just didn’t seem right.
I don’t need to follow societies standards of when to own a home or when to start having children. I want to set myself up for financial success in the future, not set myself up for failure.
I hope to be debt-free from all my student loans by 30, then start putting money away for a house deposit. I want to be able to put 20%+ down-payment towards a house in the long-term and even look at investing in stocks or real-estate. I want to give myself the biggest advantage that I can for future, so that’s why I’m putting the work in today so I can enjoy resting debt- and stress-free later on.
👏🏻👏🏻Frugal pay off !!!👏🏻👏🏻
Man it feels good to receive a bill and pay it that day❤️ No needing to save up or get an extension! So grateful we set up a seperate account for our rates and electricity money to go into. Since we’ve moved into this house we have been extremelyyyyyyy tight with electricity. We have EVERYTHING turned off at the wall except the fridge which we bought brand new two months ago that’s very energy efficient. We keep lights and fans off that are in rooms we aren’t using. Turn the air con off once it cools down at night and keep it off for as long as possible in the morning.( this is central QLD after all, it’s hot as balls! We need the air con) Our electricity bills for our old house were always over $1000🙊 for three people🙈And it had gas hot water!🙉Granted this house we own now is smaller and the billing period for the power bill this time round was only 60 days not 90 as we’ve not lived here long. But this is still a massive improvement! Goes to show every little change helps 👏🏻 now we just have to build the saving account back up in time for rates next month 💪🏻 we’ve got this ! #frugal#frugalliving#budgeting#budgetmama#budgetmum#budgetplanning#frugallife#frugalaf#debtfreecommunity#debtfreejourney#debtfree#debtfreegoals#happy#finances#smart#payoff#bills#paidinfull#billspaid#electricity#ergon#ergonenergy#energy#followyourbudget
The first step to actually achieving your financial goals is setting them PROPERLY.
So many people only have a vision or idea in their mind.
Which is great, I mean you NEED to be able to visualise what your life looks like when you’ve hit your targets.
What is your target though?
We’ve all heard of S.M.A.R.T. goals, but so many of us are not specific about our money aspirations.
We aren’t clear on what we want, so we flap around not really going in any direction at all - just a general, round about thought of doing what we think is right.
By not clearly setting goals, we allow our money behaviour to take over and keep running the show.
And, let’s face it - if you’re not where you want to be then your behaviour is not doing what you want it to do.
How would it? You don’t even know where you want to be, so your behaviour just keeps on keeping on in the same old fashion.
So, set a specific and measurable goal.
Use your vision to keep motivated, use your goal to create a strategy.
1 114 hours ago
Officially Debt Free!! I was "lucky" enough to have a 3 month deployment fall in my lap over the holidays. It was definitely tough being away from the family, but the extra cash finally put us over the hump to freedom. It's been a lot of hard work and sacrifice, but Sam and I can finally start living the rest of our lives the way we want to. Thanks to all my family and friends for the support on this journey.
Who else has prepped their meals for the week?! 👌🏼
This is breakfast and lunch... the day ran away from me to prep dinner, so I’ll just work on that after work tomorrow night. 👊🏼
2 194 hours ago
This weekend we reviewed our budget again. We really wanted to up our $480 grocery budget. Right now we are well below the usda thrifty plan of $645.10/month. It’s been a struggle to say the least because I include household items in the budget of $480. The usda does not account for that. .
🔹When we started our debt payoff timeline we counted on putting a sizable windfall towards debt. Our windfall this year is being allocated towards medical expenses. All of it 😭. This puts us WAY behind. So far we are looking at only putting $2530 towards debt for the rest of the year. #teamtinyshovel problems 😫. We will have to work extra hard to get that number up. .
🔹This weekend we decided to take one months grocery budget from our tax refund and put it towards stocking up on food. Every family is different and our family finds $480 restrictive. Especially since my boys eat like adults and we don’t eat out (not in the budget). But I will make it work. Having this Instagram page will keep me accountable! I say all this to say no one budget is right for everyone and grocery budgets are ever evolving. I may not be able to increase my budget but this weekend trip gave me some breathing room. Hope you all had a great weekend ❤️.
0 94 hours ago
It’s pretty shocking how many fees and mishaps show up in our bank accounts that probably go unnoticed. I recently had our insurance agent lower my husbands life insurance premium on one of his policies. Well they deducted the previous amount again this month. When I inquired our insurance agent said it was a mistake and that there would be a wire transfer refund for the difference that same day. There was. However later they also charged me a $15 fee for the refund! I don’t even know if I would have noticed this before I was obsessing about our finances. I guess you really do “pay” when you don’t give your finances the attention they require. #debtfreecommunity#debtfreejourney#debtisdumb#money#compulsivesaver
Our small grocery haul so far this month! We had a big haul last week that I completely forgot to take a picture of 😂🤷♀️ it would’ve been SO BEAUTIFUL with all of the colorful veggies that were on sale too 😍
Anyway- we usually go in for a small haul when something important is running low. In this instance it was not having bananas, almond milk, spinach or yogurt for smoothies!
Do you have a food that sends you running to the store when it’s low?
This note below is really raw. It’s a quick journal entry I did before bed reflecting. I’m going the #12weekyear and need to troubleshoot some areas. If this makes no sense, sorry... one of those days where you’re stuck in your mind.
Lead and lag indicators:
Movement : 57%
Eat at home: 💯
Block schedule at work: 0%
Movement and my work motivation is tied. Although these are lead indicators for totally separate goals, I have more motivation and make better choices of what I’m working on when I move. So I need to get out of my head and move in the am. I even like it. I did 5 perfect weeks without a hint of remorse or reluctance. Week 6 came and I don’t know what switched. Tomorrow is Presidents’ Day and daycare is closed so although I’ll be a work from home mom while the baby is around I have an expectation of less happening. Maybe that means I can give myself permission to take the time to workout. Why, when I’m stressed and behind, does this goes first? I only save 20-30 mins and I waste that most days regardless or even when I’m “trying to save time to get out the door” in reality the days I had meetings early that I skipped would not cause my percentage to be more than a blip. I felt better when I do it. So tomorrow I’m back to it.
Work is really a struggle. I feel it could be great if I can accomplish this vision I have to be great. But I also feel it might be time for me to start fighting for my own business idea. It’s more solidified. But I do like in the book quitter he talked about being present and doing your best at work while your there because not only is it the right thing to do, they are paying me good money and care about me, but you are practicing your default habits. Or like inertia - or, what stays in motion type of thing. It makes a lot of sense, if you are lazy all day chances are you’ll be lazy all night. If you tune out people at work you’ll tune our family at home, etc.
So I need to figure this block schedule and motivation and FOCUS because it will make me better no matter where I go.
ONE OF THE COOLEST COUPLES ON SOCIAL MEDIA! This is motivating... this is strange... this is F R E E D O M. They are PAYING OFF THE HOUSE 👀. This is #BlackExcellence. #BlackHistoryMonth#Repost@nodebt4us
With a big debt of $300k left to pay on our 🏠 we had no choice but to create a big debt payoff chart. My wife and I are very visual so this is exactly what we need to keep us on track with our goal. We plan to have this goal accomplished in 5-6 years tops, screw that make it 5 years (speak it into existence). So with that being said wish us luck down this debt free road to having a paid for home 🏡. #debtfreecommunity#debtfreejourney#debtfree#debtfreeliving#blackboyjoy
212 62982 days ago
Organizing your money like this is a great way to budget.
It works because you feel that you can't touch the money in one pile for the expense in another, you see that every dollar has a job.
The 50-30-20 budget is how Tiniio works. Just add your own expenses and the budget calculator guides you on when you go over certain limits.
Track your spending with Tiniio
Save, spend, and do. Together.
Link in bio
Another week and another family highlighted. @kyle_depiesse and family were able to get rid of some major debt! We are so proud of them!
Hopefully this story can inspire you to press forward in your journey! Happy Friday!
30 12182 days ago
And with every kid i let go of myself a little bit more 😂😭
Repost from @askatewouldhaveit
79 17342 days ago
We bought a car with CASH last night! Long story short, I have a lease and we knew we needed to pay for a new car with cash for when my lease is up. We started saving each month in a sinking fund. We paid $4,500 for this 2004 Toyota RAV4. We won’t be driving it yet because my lease still has a couple months on it but will instead continue saving money for potential mechanic visits. I cannot believe we have a car title! Neither one of us has ever OWNED a car ourselves. Wow!
This is one of the oldest meal planning and money saving tricks in the book📚, but I bet a lot of you still aren’t doing it! Buying meats in bulk and then separating them into smaller portions!
It takes a little extra work but the savings will add up quickly.
It will save you money two ways.
1️⃣Makes it more likely you have supplies on hand to throw together a dinner at home so you aren’t tempted to eat out or shop again
2️⃣Costs less per pound in bulk
For example. This 80/20 ground beef was $13.44 for 5 lbs. If I had purchased 5 individual 1 lb packages, it would have cost $18.40. So I saved about $5 by buying in bulk. Imagine the savings over the years! The hard part is it can feel like a big hit all at once to your grocery budget. But there are ways you can plan for that- say by adding $20 to your first grocery trip of the month and taking $5 off each week after!
Do you buy meats in bulk yet?