One thing I have learned from this budgeting and spending less journey is to buy meats when they are on sale. Major plus to having a deep freezer to store it all! AND having all the other ingredients on hand to whip up this yummy and easy chicken dish on the instant pot.
What else have you picked up?
1 235 hours ago
My love for traveling is real! People often ask how we go on two trips a year. We cut so many corners and that adds up. Especially the food budget. Limiting eating out and buying junk food gives you more cash for vacations.
I’m 2017 we did NO fast food (anything with a drive through we considered drive through) all year! It was amazing! Saved lots of money and ate much healthier even on the go!
I have saved myself $200- we have been debating hiring someone to pressure wash or buying a pressure washer for our house. But I ended up purchasing a power washer attachment for our hose plus this amazing stuff that a coworker recommended and my lanai has never been cleaner. If you are a home owner, save yourself a buck and a half and get a gallon of this stuff!
My dad in a sports car… 😂🔥
For those that know me, know that I rarely spend money on things that don’t have a positive return in my life in some way or form.
Even though business is booming, I still have the same approach to spending money as I did from the very beginning.
I still question every time if Chipotle guac is worth that extra $2. 🥑
With that said, one of my biggest “whys” for being an entrepreneur is to be able to shower the people I love most with experiences they’ve never had before.
And that means everything to me.
So lately my dad has low-key been in a midlife crisis and can’t seem to do anything about it.
And that seriously pains me to see.
My dad’s also a huge car guy and never really had the opportunity to drive anything other than his daily ride.
So I rented him a BMW i8 for the week so he can joyride around town.
Seeing my dad genuinely smile again after so long reminded why I’m in this game.
Two years ago, I was barely scraping by and frugally living paycheck to paycheck.
Now I don’t have to think twice about pulling out my credit card when I have the chance to make my parents happy.
I genuinely believe that with success, comes the responsibility to take care of the ones that mean most to you.
Some might call this a stupid investment, but...
Nothing makes me happier than doing small shit like this and seeing the smiles on my family’s faces.
“It's a system that showcases how student loan debt is different from all other kinds of debt: It can't be written off in bankruptcy and, because it's owned by the federal government, long-term unpaid debt is never written off, but relentlessly tracked down.” Wowwww, just wow! Yet another shining example (and motivation) to keep pushing us through #BabyStep2 now that we’re down to just my student loans. It’s crazy how this system is setup and people feel like there’s no way out. I’ve been there! I’ve felt that way too!! But it’s not true, there’s a solution and it all begins with hope. But with confidence, hard work, a clear plan, and determination you CAN clear your life of the stress and worry that comes along with debt. Yes, even student loans! We’re doing it, so if we can then anyone can!
Alright, what’s your take on this article?
Link to article:
New (to us) 2017 Chevy Equinox with just 19k miles, paid for in cash! A year ago, I would’ve freaked out when hit with a major car repair bill to pass state inspection for my old 2007 Tucson; now it just made it the right time to go car shopping! #debtfree#financialpeaceuniversity@daveramsey@rachelcruze
So very proud of this milestone in our debt free journey! We were sailing along smooth until the end of March. That is when all of my medical bills started rolling in. They have continued coming this month due to my surgery on the 1st. Hopefully we are over the hurdle and can jump back in with any extra that we have. Needless to say, no matter what life throws your way, you can still do this. This process is 100% up to you and how hard you want to fight for freedom. Keep on pushing, we can all do this!!
Tonight is date night budget meeting with hubby. We need to discuss a plan going forward, our May budget, and our goals for the rest of 2019 because those goals were made before his layoff, inability to get an equal paying job, and our newly accumulated debt. Now that we are 1/3 through 2019, how are your 2019 goals- are you on track to meet them or do you need to revisit and revise?
❗❗❗Help wanted! ❗❗❗
I'm searching for a new planner for the new school year (I'm not a teacher, but I do work with schools at my job, so I tend to think of years in school years, not calendar years). Anyways, I want something to plan my work meetings and our family events, to do lists, goals, etc. .
Any recommendations? .
We All Go At Some Point, So Don’t Leave Them Wondering What To Do, Leave Them A Legacy to Build On.
You should review your Life Insurance needs and determine how much if any do you have or need. Almost anytime you get a life insurance from your employer it is a whole life policy. If you are paying for it, you are most likely better off getting your own personal term life policy.
Not only did I save money, but I doulbed my coverage. In addition, if I lose my job, I won’t lose my life insurance! That’s a HUGE relief.
My sick and tired moment came when I attended a funeral. I realized the young man had passed with no plan. As a husband and father, I just could not do that too.
So I created my Legacy Binder and keep it in our home safe.
As the family nerd I have laid out everything and then showed it to my spouse and kids so they knew what I wanted done.
* * * People don’t plan to fail, they fail to plan * * *
• • •
Ashley and Amanda’s lives look almost identical during their working years. They both make the same at their job. Amanda’s apartment is a couple hundred bucks cheaper. She drives a car that’s a couple years older. She skips a couple fancy dinners out and cooks at home. No one even notices the difference looking from the outside looking in.
But at retirement the contrast is shocking. Amanda is a millionaire with unlimited options. Ashley stayed broke her whole life and will have to dramatically lower her standard of living to try to survive on a small social security check.
This example uses average numbers, not some fantastical best case scenario. The average US household income is $59,000 per year or about $5,000/month, closer to $4,000/month after taxes. The US stock market has returned an average of about 10% per year over the last 100 years. But of course, inflation eats away at the value of money, so the “real” return over the last 100 years has been about 7%, the number used here. In the example above, the $2.1 million Amanda ends up with is spendable in today’s dollars!
Check out some of my other posts on how to open a Roth IRA and what is a target date index fund to learn how to do this!
Are you living below your means? Are you investing early and often? Are you more like Ashely or Amanda?
This is a repost from my very first "Ashley vs Amanda" back when I had only like 100 followers, but I think it's worth it. This simple comparison represents the worst kept secret to building wealth: Live below your means and invest early and often.
. #entrepreneurmindset#entrepreneurquotes#business#businesswoman#businesswoman#businessman#womeninbiz#womenempowerment#entrepreneurs#debtfreecommunity#debtfreejourney#debtfreeliving#daveramsey#daveramseybabysteps#lagos#abuja#nigeria#OVO#Earntheright#KingdomTake#FinancialFreedom#Financialpeaceuniversity#financialindependence#lawofattraction#budgeting#money#savings #
49 80717 March, 2019
83 1,23310 April, 2019
Reposting from @prepearapp 😂 definitely feel this sentiment when we try to stay with our plan each week!
59 9288 April, 2019
Yesterday was @kennyechternkamp and I’s 1 year anniversary since our first day of the @daveramsey Financial Peace University class. Since then we’ve paid off over $25,000 of our debt! 🙀🤩🥳 Sharing this because yesterday we remembered how impossible this felt to us at first. But we started anyway. Have we done it perfectly? Nope. But one “baby step” turned into another, and another and now we are further along than we ever thought possible just 1 year in. 🙌🏼 So even if you think there’s no way you can do it... I want to encourage you to just start! I‘ve realized that tackling whatever it is that’s intimidating me, is usually the very thing that sets me free. 💖 #starttodayjournal#financialpeaceuniversity#fpu#daveramsey#babysteps#juststart#debtfreecommunity#debtfreejourney#financialfreedom
Commitment. Focus. Plan. Implement. Adjust. Repeat. 📍I look at my budget EVERY SINGLE DAY right now. 🗓 It won't always have to be this way, but when you have A BIG GOAL to FIRST become DEBT FREE, don't let it stop being your #1 HOBBY.
"3, 2, 1..." Finally. Thank you, Jesus!!! We're debt free. No longer in chains to student loans, credit cards, 401k loans, and car loans. $241k is all paid in full. Josh works full time in business solution sales, but also is a worship leader for church, started a pressure washing business, and worked for my photography business. I ran two awesome businesses. The nights and weekends working were super long. BUT IT WAS SO WORTH IT. Oh man, you guys, if you have the chance to do something amazing and change your lives....you should do it. We felt like the Lord was calling us to get rid of all our debt and I am FOREVER GRATEFUL we leaned into that. It was stupid hard and we had to swallow a lot of pride, but dang, this freedom thing is incredible.⠀
Dave Ramsey's plan for getting out of debt is the bomb. We read Total Money Makeover and attended Financial Peace University! FYI we followed his exact plan - no "ish." ⠀
All the Ramsey Solutions staff, thank you for an unforgettable Debt Free Scream experience! You made us feel so at home. ⠀
.⠀ #weredebtfree#babystep2#babystep3#debtfreecommunity#debtfreescream#livewithinyourmeans#financialfreedom#begenerous#grateful#daveramsey#babysteps#gazelleinstense#contentment#totalmoneymakeover#financialpeaceuniversity#everydollar#debtjourney ⠀⠀⠀