Salt fish and Johnny Bakes. A very traditional breakfast in the Caribbean. Every island has it's own way of doing this. This way is my personal favourite. .
This is why I love Caribbean cooking your literally starting your day with sunshine on your plate. .
Have a Good Friday 😉❤.
The time has come... this is one of the last tricks I had left to help pull me out of debt... a car downgrade (yes I got a “Dave car”😂) ~
I got the BMW 3 years ago as my dream car - and I quit smoking to buy that car too. It has served me well but has also cost me a lot of money.
Last week I got a letter saying that the mechanical warranty had run out on my car so I’m now 100% liable to pay for repairs on it - given that it’s been a bit of a lemon car I decided that I needed to get rid of it ASAP... but it still had finance on it.
So here we are a week later and I just drove home my new Suzuki Swift (paid for in cash from savings) and I have a short term personal loan so that I can sell the BMW finance free then use it to pay back the loan. She goes to the yard tomorrow to be sold so please please everyone think positive for a quick sale without me loosing too much money 🙏🙏🤞🤞 #daveramsey#babystep2#debtfreecommunity#debtfreejourney#debtfree#debtsnowball#downgrade#savemoremoney#lessgas#lessexpenses#newcar#quicksale#excited#debtisdumb
4 242 hours ago
Did a spot of cooking today to give hubby something different to eat, I’ve noticed he hasn’t been eating dinner for the last few nights, so tried to make something I’ve never done before - thus meat pies! This is what I can do with my time when it’s actually free! I almost don’t know what to do with myself. Total cost $10 for 3 days worth of pies
When I woke up this morning, I was a little more excited than most... as today was PAYDAY... and I LOVE to set our budget and really figure out all of our money now!! You could say I’m OBSESSED. The coolest part about today? IT IS THE VERY FIRST TIME I HAVE EVER PAID OUR MORTGAGE IN ADVANCE. Yes. The one that is due on the 1st of May?! I paid it today... THIRTEEN days early. I still can’t believe it!! AND, this is the first pay period I allowed a small budget for a few extras... Easter for the kids, a baby shower gift for a friend, money towards a business event I’m hosting and $20 for each myself and my husband. (Mostly because he was still using his credit card on small things at work, so I’m hoping this puts an end to that!!)
After I set the budget for the next 2 weeks, basing it off of each month’s budget, I was able to figure out the cash we needed in order to get by. We went to the bank when my husband got home from work and I handed them my breakdown of the dollar bills I needed. She handed me $670 and I felt SO GOOD. Knowing that we are finally responsible with our money. We have enough to pay our bills and they have all been paid thru May 2nd. We have enough to purchase healthy foods. We have enough for gas. And I don’t have to stress about if I’m gonna have enough money to purchase a gift for an event, because that’s been put in the budget!! It’s NEVER been like this before and I swear, it’s LIFE CHANGING.
I am really way too excited to pay off more debt!! That all comes along next month!!
I'm so late, but it was a ⛰MOUNTAIN MOVING MARCH!!! I had two amazing, sharp, faith filled, ladies join my #team last month and I am working to Gold Medal this month (5 ladies)🥉🥉🥉🥉🥉I had one bold, savvy, Ready-Right-Now mom of two join us last week and I am believing for three more business partners by Easter! When you show up to work- God blesses you and crowns your efforts with success. Give Him something to work with! So grateful!! Still pushing and working and having fun😍 So grateful to my Sr. Director- I text her all day lol...call her all night 🤣Added bonus: Getting a notice that I've paid down 25% of my debt (And thats outside of my school loans- I'll need to promote myself a few times to get rid of Sally- She changed her name to Navient...but I know who she is💰💰) ⛰💃🙌🚢 #mymklife#payoffdebt#debtfreecommunity#empire#buildit#debtsnowball#networking#mompreneur#christianjourney#cruise#honeymoon#bettertogether
0 86 hours ago
Fx trades and commodity market.
2 236 hours ago
Marketplace sales from last night and this morning 🎉. And one person rescheduled to pick up 2 more items on Monday. All going towards my #$1000project.
I’ve updated husbands savings chart/goal...or is this my goal since I manage all the money 🤔🤣 I’d like $30,000 in this account. No deadline. I’ll do what I can with his income. I’m still currently taking 20% of his pay and moving it into his savings. It’s really tight so far but I’m hoping we’ll figure it out.
9 1757 hours ago
I felt like this all day today!!! Credit Card Debt Free!! Woooo hoooo!! Only $27.9k left until we’re FULLY debt free!! 😭😱🥰
Family has been spoiling me with great food every night I’ve been home. Tonight it was the most amazing salmon filets with snap peas. I’ve only spent money yesterday,$35 on Keto-friendly groceries. And the best part-it seems like work was kinda slow this week because it’s spring break for most people so I don’t feel like I’m missing out on too much.
I miss my wife and our puppy dog. It’s going to be hard to leave my aging grandparents behind when I head home, too. I feel like I’m not quite sure how much I should be involved and helping them as things progress. Sometimes it’s hard to live so far away and sometimes I’m thankful for the balance and the space. Shout out to those who are caregivers for loved ones with dementia or other brain diseases. Add that to the list of worlds hardest jobs.
Once you’ve tracked your expenses and gathered where your money goes, it’s time for the fun part- making a budget! Start by writing out your bills that are due on their due dates and the amounts. Then you can get an idea of how they’re disbursed.
The most important thing about a budget is to make it REALISTIC. If you restrict yourself, you’re setting yourself up for failure. Of course, cut back money where it’s possible, but even I leave money for fun things like going out to eat, or buying makeup. In April, I made adjustments to my cash envelopes because I realized I needed to add a category and add money to other categories. Your first budget won’t be the one you follow for forever.
I follow a zero based budget. This means that I only leave $50-$70 from each check in my account (don’t worry, I have an emergency savings account). The point is to have a spot for every dollar. Since my focus is paying off debt, every dollar left over goes to my car. Maybe for you though, it’s saving for a down payment on a house or to pay cash for a vacation.
Swipe to see my budget using templates from The Budget Mom. My bills correlate by color with my pay checks. As you can see, I only budget my full time income. All my side jobs will go right to my car!