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The owl has been my spirit animal for many years. Actual LIVE OWLS in the wild appear to me during times of transition in my life. It’s magical. Summoning the spirit of the owl to help me make my financial goals this month!! I can’t do it!! 🦉🙌🏻 • • • #daveramsey #babystep2 #financialpeaceuniversity #debtfreejourney #everydollar #debtfreecommunity #babysteps #debtfreeby30 #debtsnowball #payingoffdebt #debtfreeliving #debtfreecouples #fpucouples #owls #owlspiritanimal

1 0 12:45am 02/21/2019

Home stretch before the beach stretch 🌴 You know what always happens in the last day before I leave? All of a sudden my “to do” list gets boiled down to what REALLy needs to get done instead of “I’d like to get this done” 🍍 It’s magical and something that I am trying to implement each day regardless if I’m heading into a break 🌟 - WHAT SHOULD I READ on the beach!? .⠀ .⠀ .📷 @cataloniahotels . . . . . . .. #inspiration #focused #positivity #motivation #motivatedAF #addictedtoshopping #payingoffdebt #grablifebythebetties #powerfulchange #positivevibesonly #inspiredeveryday #visualization #destinycalls #intuition #mindsetiseverything #timemanagement #moneymatters #debtfree #budgeting #shoppingproblems #powerfullysimple #moneymindset #moneycoach #lifecoach #creditcards #moneytips #lifetips #abundancemindset

15 1 11:50pm 02/20/2019

In case you were wondering if having emergency surgery is a good idea....it’s not. • Finally got my bill for my appendectomy back in November and 😵😵😵 • I’ll be spending my day off Friday going over my bill with the hospital billing department to a) make sure everything was billed correctly and b) ask for a discount on the final amount owed (hey, the worst they can say is no). • Let me say this a little louder for those of you in the back— A $1000 EMERGENCY FUND IS NOT ENOUGH. • #medicalbills #medicaldebt #debtfreejourney #debtfreecommunity #debtfreedom #debtfreesomeday #payingoffdebt

13 4 11:48pm 02/20/2019

Trying to get my goals back on track and priorities straight. Hubby and I finally have a joint account just got to sort my accounts with debts as we are both bad with money. He has so much overtime $$ coming in I just want to make sure all bills are up to date so my budget can take place as of next pay #thisbarefootmumma #ozdebtfreecommunity #payingoffdebt #moneycomesmoneygoes

5 1 11:11pm 02/20/2019

Are you sticking to your word? Schedule your free session with a financial coach today. http://www.hopewealthplanning.com #debtfreecommunity #financialcoaching #payingoffdebt #debtisdumb #cashisking #budgeting #budgeting101 #budgetingtips

3 0 11:00pm 02/20/2019

2019 is gonna be different! One reason: My “regular part-time” job has become my “side” job! In Dec. I was hired for my first ever full-time salaried position, within my career field, after finishing school. And... YES! I have flexible hours at my part-time job so I am able to continue there and now work both! Put those together with my husbands hard work at work and with all he does and... We’re keeping busy! But a little hard work never hurt anyone 😄 That is why it is our hope, dream, and goal to wipe out those terrible student loans THIS YEAR!!! 🥳🥳🥳 #debtfree2019 #debtfreecommunity #payingoffdebt #payingoffstudentloans #studentloans #goodbyestudentloans #owningmyeducation #journeytofinancialfreedom #debtfreejourney #babystep2 #daveramseybabysteps #onedayatatime

5 0 10:34pm 02/20/2019

Every time you hear the b word close your eyes and tap your heels 3 times and say "I'm Rich, rich, rich." lol Seriously though every time I see the b word (the opposite of word rich ) I've trained my brain to say rich. Digital marketing experts estimate that most Americans are exposed to around 4,000 to 10,000 ads each day. So It's imperative that my thoughts are focused on the things that I want and off of the things I don't.

28 4 10:29pm 02/20/2019

Seriously, YOU GOT THIS!!! 💗

32 3 09:59pm 02/20/2019

#creditscore up on last month #gettingdebtfree #payingoffdebt #debtfreejourneyuk

4 2 09:48pm 02/20/2019

This is why visual aids are so important for goals. We paid off $300k of debt and have been saving like mad crazy since, living in a cheap rental and living on beans and rice. And now... after so many years of sacrifice we are on track to buy our first house this year. Without a mortgage. That's right. Our first house is a house we will buy in cash. And I am here to say if you are working towards a financial goal... you can do it to!! #debtfreecommunity #debtisdumb #payingoffdebt #debt #mortgagefreehouse #daveramsey

6 3 09:47pm 02/20/2019

My daily mantra at my toxic job... • • • #daveramsey #babystep2 #financialpeaceuniversity #debtfreejourney #everydollar #debtfreecommunity #babysteps #debtfreeby30 #debtsnowball #payingoffdebt #debtfreeliving #debtfreecouples #fpucouples

41 2 09:46pm 02/20/2019

I also want to mention that I received really bad advice from people very close to me in my life to pursue these bad ideas. SMH. It’s amazing how “normal” debt has become, and how many people don’t understand basic healthy financial principles. The blind leading the blind. So happy I know the right path to wealth now! • • • #daveramsey #babystep2 #financialpeaceuniversity #debtfreejourney #everydollar #debtfreecommunity #babysteps #debtfreeby30 #debtsnowball #payingoffdebt #debtfreeliving #debtfreecouples #fpucouples

57 3 09:44pm 02/20/2019

Good start to the day 🤗 Been getting screened out so many times lately and only getting 10c 🤦🏽‍♀️ #savingmoneytips #savingmoney #gettingoutofdebt #mumlife #budgeting #debtfreeliving #livedebtfree #budgetingtips #moneychallenge #simplesavings #savingsgoals #debtfreecommunity #payingoffdebt #moneychallenge #surveys #sidehustles

13 0 09:34pm 02/20/2019

A goal without a plan is just a wish. 🙌 We know we want to be more intentional for improving our health and finances so here are some things we are being intentional with this week: 1. We are making exercise a priority. We want to work out 5x this week.🏃 2. We are paying off a student loan this week. 💸 3. Our van needs to be repaired so we need to schedule an appointment and take that in. We will be cash-flowing it all (paying for it without credit). 🚖 4. Since we sold our car we are hoping to lower our auto insurance amount. For us that means getting a quote from our current insurance and other quotes from others to find the best coverage for the cheapest price. 💪 ✨ Also, as a recap for how we did with week 2’s goals: 1. We worked out 4 out of 5 days (migraine and family visiting made us lose the last day). 🧗‍♀️ 2. We listed our car for sale and a few hours later it was sold!!! Feeling grateful. 🚘 3. We finally logged in and bought his phone so we will now have a lower monthly phone bill - woot woot. 📱 4. We filed taxes! And it turned out not being as scary as we feared. We got some money back from federal and only owed a little less than $300 for State Taxes. 🙌 It’s been awesome to see progress in the few weeks we have been intentional with our goals. What goals are you working on this week??? . . #goalsetting #goalsetters #couplegoals #familygoals #familytime #payingoffdebt #babystep2 #debtfreecommunity #madeformore #debtfreejourney #financialfreedomstartshere #budgetbootcamp

11 0 09:21pm 02/20/2019

One major benefit of being an egg donor is many times the intended parents and doctor will require a genetic panel be done. My first donation the intended parents only wanted 4 diseases tested. My second donation I had a genetic panel of almost 300 diseases tested! Thank goodness everything came back negative! From what I've been told genetic tests can range anywhere from $300-$2000 depending on how many diseases are tested. Having this done was a huge benefit and didn't cost me a dime! This is usually done within a few weeks of being selected and at your first doctor's appointment. After my genetic testing was completed I spoke with a genetic counselor that reviewed my family history and the results. Since all mine were negative it was a pretty quick conversation. However, she did say that if something had come back positive it would not mean that I couldn't be an egg donor. It just ment that the intended father would need to be tested to make sure he didn't have the same genetic disease. If he did then that would increase the risks of the child having the same disease. #eggdonation #eggdonor #givinghope #makingadifference #changinglives #ivfjourney #personalblog #fertility #payingoffdebt #collegetution #bestgiftever #givinghopeeggdonation #gentictest #science #bonus #themoreyouknow #blessingofhope

11 1 09:21pm 02/20/2019

I love this budget form I created is my interpretation of DR Total Budget form. I printed out 12 & now I have a yearly snapshot of exactly where my money is going. I also partner it with the DebtPayoffPlanner App. If you want a copy of this excel form, follow the link in my profile & it’s available to anyone. What do you feel is the best tool to help you get handle on your budget? #debtfreecommunity #budgetplanner #budget #debtbegone #debtfreejourney #debtsnowball #payingoffdebt #budgetplanning

18 1 08:02pm 02/20/2019

Well we got enough snow to make everyone panic but I work in healthcare so no snow days for us! —— #debtfree #debtfreejourney #debtfreecommunity #daveramsey #gazelleintense #gazelleintensity #babystep2 #budgeting #debtpayoff #gettingoutofdebt #cashisking #totalmoneymakeover #payingoffdebt #livelikenooneelse #financialpeace #financialfreedom #babystep2 #frugal #frugalliving #debtsnowball #financialfreedom

13 0 08:01pm 02/20/2019

2 out of 5 Americans have committed Financial Infidelity. What is financial infidelity? When someone lies about their purchases, has secret accounts open that their significant other doesn't know about it, or has stashes of money or debt their spouse doesn't know about. Schedule your free session with a financial coach today. www.hopewealthplanning.com #debtfreeecommunity #payingoffdebt #financialinfidelity #daveramsey #financialpeace #debtfree #debtfreejourney #debtfreeliving

1 0 08:00pm 02/20/2019

Smoothies are one way I’ve been trying to eat healthier, by getting more fruits and veggies than I normally take in. 🍇🍓🍌🥬🍍 This smoothie has blueberries, pineapple, banana, leafy greens, and almond milk, and tastes like a vacation 💕 • • • • #nailart #nailinspo #doityourself #diy #beyourself #becolorstreet #colorstreet #nailfie #nailboss #payingoffdebt #spedteacher #specialeducationteacher #specialeducation #healthyfood #smoothie #smoothierecipes

13 0 07:59pm 02/20/2019

This total is so depressing😭 This is a rough estimate of my total debt as of 2/19/19. 😱 I’ve decided to tackle the credit cards first, then two personal loans, my car payment, followed by my student loans last. My student loans is around $51k & I’m scheduled to begin my Masters program in June. I want to be consumer loan debt free before I start tackling my student loans, especially since I’m still in deferment. 🔹 4 credit cards $6,993.88 🔹 1 car loan $19,260.47 🔹 2 personal loans (estimate) $7k 🔹 Student Loans $51,321.99 . #debtsnowball #debtfreejourney #daveramsey #payingoffdebt #daveramseybabysteps #debtfreesinglemom #totaldebtmakeover

2 0 07:15pm 02/20/2019

Big B here, These harmful ideologies are how I was taught to deal with money growing up. I fight with the urge to spend every day because of my indoctrination into believing that some external force will provide for me and my family. It wasn't until my Beautiful Bride woke me up that I realized this way of thinking is dangerous. And now look at us, having to react and undo the harm that its done. We are learning and fighting together and we will succeed. We will be proactive and steadfast. We will do these things because money comes from hard work and determination, and we will provide for each other and our children today, tomorrow, and forever. We will plan, budget, focus and drive each other to achieve our goals. Here's to a new beginning. An awakening. And the future. #dfc #debtfreecommunity #payingoffdebt #studentloans #debtfreejourney #debtfreejourney #budget

10 0 06:44pm 02/20/2019

WE NEED A NEW BED! We have been sleeping in a full-sized bed ever since we got married! We are ready to get our guest bedroom all set up and are planning on putting our current bed in that room. I have been looking into those "mail mattress" services where it shows up in a box on your front door! Thinking about @lullbed or @nectarsleep . Have any of you bought one from there? What mattress do you have? Any different recommendations? . . . . . . . . . . . #needanewmattress #mattressrecommendations #mattress #lullbed #nectarsleep #seekthesimplicity #thatsdarling #thepursuitofjoyproject #sayhello #creativelifehappylife #hellolovely #memories #livingonabudget #discoverunder5k #simplelife #payingoffdebt

18 1 06:05pm 02/20/2019

Little did I know that weeks 3 and 4 would be so difficult. I can’t tell you how many times my mind told me to give up that it wasn’t worth it anymore. Guess what...that’s a LIE. - - - It is worth it. No matter what is happening in your life right now, taking time to take care of YOU is absolutely worth the struggle. - - I’m a couple days behind but I. DON’T. CARE. 🤷🏼‍♀️ Why?!? Because it’s not about being perfect and not missing a workout. It’s about showing up when I can and giving all I have. It’s about remaining consistent and growing. - I have allowed myself to take time to develop a process and create new habits during January and February. I made mistakes but I’m learning and growing and most of all loving myself through those mistakes. I’ve said “No” a few times to things or friends because I needed stay focused. As a result I feel 1000x better than I did January 1st when I began. - I’ll be starting my next group March 4th. Are you ready to feel better? Are you ready to take a new adventure? Are you ready to CHANGE YOUR LIFE? - DM me, drop an emoji 🙋🏼‍♀️, like, comment, call, text...girl I will get you going on the BEST adventure of your life. #loveyourself #bossbabe #payingoffdebt #daveramseybudget #relaxrecover #transformation #transform20 #newyearbetteryou #climb #crushinggoals #nutritiononthego #nutrition #fitness #fitnessonthego

14 0 05:59pm 02/20/2019

A few months ago, my husband’s car started acting up. We went to a handful of mechanics and were told it would be about $1,200 to get it fixed. Turns out, that wouldn’t have fixed the problem and the car continued undiagnosed. . Fast forward 5 months and a new engine later....yep a whole new engine replacement. His car is in excellent condition so we decided the best financial decision was to fix the car, and we went for a rebuilt newer engine instead of a used engine, and replaced the belt and older parts too. The mechanic will do a checkup in a month as well as an oil change included. . My husbands dad helped us pay for the service as our wedding gift and we used the $1,200 hubby had saved up before we got married. I didn’t know we would owe extra and hubby charged it. I’m so thankful we have an emergency fund to cover the extra costs! . It’s always a bummer to have to actually use the emergency fund ☔️ but so thankful we have one! . What have you needed to use your emergency fund for (even if it was not an emergency and maybe a bad decision 😂)? . Our answer: our pup’s emergency surgery to remove and biopsy part of her ear ($750) and now the car ($380). . #poll #question #daveramsey #goals #newyear #budgeting #gazelleintensity #debtfreecommunity #debtfreejourney #debtsnowball #debtfreegoals #babystep1 #babystep2 #bs1 #bs2 #budgetplanner #budgetbinder #savings #emergencyfund #fpu #babysteps #budget #cashenvelopes #payingoffdebt

9 4 05:21pm 02/20/2019

Be the person that celebrates the successes and cheers them on from their failures . . #celebratethosethatwalkwithyou #betheonewhocares #happiness #celebratethevictories #gratefulformycheerleaders #surroundingmyselfwithpositiveenergy #studentlife #gratefulheart #stayathomemom #stayathomedad #payingoffdebt #payingoffstudentloans

15 0 04:03pm 02/20/2019

Thank you, Norton! I noticed my card was charged last month for an antivirus renewal, and it was unplanned. This happened because we purchased the product years ago using this credit card, and we kept letting it renew. This year, I had to cancel it. They were even kind enough to give me a refund! #debt #debtfreejourney #debtfreecommunity #dfc #payingoffdebt #debtsnowball #daveramsey #teamtinyshovel #personalfinance #financialfitness #financialfreedom #budget #budgeting #babysteps #babystep1 #babystep2 #monthlybudget #monthlyincome #savings #money #norton

12 1 03:56pm 02/20/2019

Hello #debtfreecommunity 👋🏼 I have to be honest with myself😩 I have been unable to find a full-time job that actually pays decent. So, since January, I have been working part-time for chump change. I feel that this #debtfreejourney seems impossible when I have more debt than income. I’m trying to stay optimistic & reminding myself that as long as I budget & stay disciplined, I can make it work! Anyone else have more debt than income & have pushed thru this journey?! . . #daveramseybabysteps #debtfreesinglemom #budgetlife #frugalliving #makingchanges #lifelately #payingoffdebt #debtsucks #daveramsey #totaldebtmakeover

3 3 03:55pm 02/20/2019

I’m on #daveramseybabysteps #1 🙌🏻 I have been up since 6am writing out all my debt & I was getting a bit discouraged because right now I only have a part-time job that pays me chump change. However, I will be starting my monthly drills again next month so that will help me. Hopefully soon, I will get a call for a full-time job offer or another part-time. #daveramsey #debtfreecommunity #debtfreejourney #debtfreesinglemom #daveramseybudget #payingoffdebt #totaldebtmakeover

8 0 03:44pm 02/20/2019

#davemeal last night. I sautéed butternut squash, peppers, and 2 cans of veggies with red curry sauce over rice. I estimate this cost $7 for 4 people. #eatathome #dfc #debtfreecommunity #payingoffdebt #oklahoma #daveramseybabysteps #daveramsey #studentloans #creditcarddebt #carpayments #goodbyedebt #debtfreejourney

9 0 03:42pm 02/20/2019

Latest blog! I think a lot of us think I’ll save when my debt is paid off. The problem with that is it could take years and then you’ve wasted a lot of time and missed opportunities for growth on your money. The longer you wait to save the more you will have to save down the road. If you wait too long this number you need to save may be unattainable. If you’d like help figuring out how much you can save on top of paying off debt book a consult with me; I’d love to help. My calendar can be found on my website www.sustratestrategies.com #retirement #buyingahouse #wedding #emergencyfund #travel #goals #adulting #payingoffdebt #savingmoney #money

6 2 03:39pm 02/20/2019

G O O D M O R N I N G 👋🏼 It’s been just about 3 months & ive lost over 20lbs!! My skinny coffee literally is an EVERY day staple of mine & greens of course💕 if you haven’t tried these yet IDK what you’re even doing in life lol! I feel amazing & can’t wait to lose another 20!! My business has brought me such joy, confidence, freedom, & friends! I love helping others accomplish their goals whether it’s health & wellness or making an extra income☺️ feel free to message me I have some $20 codes left that will change your life 🤙🏼 #mamafitness #stayathomemom #healthylifestyle #skinnycoffee #greens #makingmoney #payingoffdebt #livingthedream #workingmom #momlife #workfromhome #sidehustle #healthy

28 4 03:19pm 02/20/2019

Here is a peek at my budget diary. I’ve just started this, and finished spreads to track my debt progress, sinking funds, and also a yearly calendar. I keep my SF envelopes in a pocket in the back. I’m looking for more spread ideas so let me know! #budgeting #budget #daveramsey #payingoffdebt #debtpayoff #budgetplanner

5 0 03:13pm 02/20/2019

We filmed another finance video for you! It’s on ways to make extra money. I hope it helps you on your debt free journey. #financevideo #waystomakeextramoney #createextraincome #payingoffdebt #daveramseybabysteps #financecarchat #carchat #savemoney #lessismore #tilvacuumdouspart #oklahoma

707 27 03:08pm 02/20/2019

Hello fellow budgeters! My name is Kassie, and I am on a fresh journal to financial freedom. I started my very first budget and cash envelope system just 2 weeks ago. I would like to share my journey and financial growth. I am currently $36,170 in high-interest student debt. I started with a total of 11 separate loans and a total of around 49k, one loan which has since been paid off. I have paid off my Barclay credit card as of early 2018, which is my only credit card, used primarily with Apple when I need a new laptop or other device. I am currently living in Korea making around 2.5 million KRW. Loan amounts will be in USD, but income and budget numbers will all be in KRW on this account. Welcome all and I’d be happy to follow back fellow budgeters who I can relate to! #budgeting #budget #studentloans #payingoffdebt #daveramsey #cashenvelopes

3 1 03:05pm 02/20/2019

What are your plans for your tax return this year? Are you even getting one❓ Is love to hear. Obviously, a jet isn’t in my plans but it this reminded me of my old spending ways 😂🤦🏻‍♀️ - - #debtfreejourney #debtfree #debtsnowball #debtfreeisthenewsexy #debtfreedom #debts #debtfreeliving #debt #debtsucks #debtslave #nocredit #change #savingmoney #journaling #payingoffdebt #getoutofdebt #babysteps #budget #budgeting #saving #pennypinching #money #findingpeace #nomoredebt #daveramsey #minimalism #fpu #cashisking #debtfreecommunity

68 7 03:02pm 02/20/2019

HELP (‼️), I’m really wanting to keep my options open but I have not really “searched” for a new position in almost 5 years. I’m sure the good websites have changed. Help a girl out please. 😊 #JobSearch . . #DebtFreeCommunity #DebtFreeJourney #FPU #FinancialPeace #FinancialPeaceUniversity #BabySteps #BabyStepTwo #DebtSucks #LiveLikeNoOther #Debt #DaveRamsey #DebtSnowball #TheTotalMoneyMakeover #FinancialFreedom #Budget #ZeroBasedBudget #TheDebtFreeCommunity #PayingOffDebt #DebtIsDumbAF #DebtIsDumb #CashIsKing #BetterThanIDeserve #RachelCruze #OnABudget #NoSpend #Frugal #Planner #GazelleIntensity #GazelleIntense

22 12 02:47pm 02/20/2019

Thanks to a very large signing bonus one credit card is officially paid in full!!🙌🏻🙌🏻🙌🏻 So, thankful to have this “small” one gone to start snowballing the next debt!! #FrugalLiving #ILoveABargain #SavingMoney #SpendLessGiveMore #DaveRamseyJunkie #BudgetLife #DebtFreeCommunity #dfc #DebtFreeFamily #DebtFreeJourney #TeamTinyShovel #debtisdumb #Budgeting #DebtSnowball #DebtFreeGoals #PayingOffDebt #LiveLikeNoOneElse #BabySteps #GazelleIntense #FinancialFreedom

30 2 02:08pm 02/20/2019

I read this in the @guardian recently and it worried me greatly that we as a nation are in this mess. My friends and family have been telling me for a long time that I should help others with #money more as I've helped those close to me. So here we are, I've set up an account to offer advice and to hopefully help others to live their best life in a way they can afford. #debtfreegoals #debtfreejourney #debtfreejourneyuk #debtfreecommunity #ukdebtfreecommunity #debtfreecommunityuk #totalmoneymakeover #debtfreedom #payingoffdebt #debtrelief #debtfree #financialfreedom #financialpeace #moneymatters #finances

6 0 02:07pm 02/20/2019

When we are debt free, we for sure plan to splurge on some things. Below you’ll see our top 5! 1. Weekly or biweekly housekeeping—I HATE deep cleaning our house and once we are debt free, I’m going to outsource it! One less thing for my husband and I to argue about. 2. Weekly date nights—We currently do monthly date nights. Once debt free, we will increase it to weekly, and I can’t wait! 3. Extracurriculars for kids—My toddlers currently are not in any extracurricular activities. We started gymnastics but didn’t like the place so we stopped. We may do this before being debt free. 4. Travel—We are planning a vacation for this year, depending on some things, but once debt free, we will do at least biannual vacations. 5. Eating out—We love to eat out and we love to try new places. Once debt free, we will have a budget item for eating out so that we, as a family, can try new places often. What are some things you will splurge on individually or as a family once you’re debt free?? #getoutofdebt #payingoffdebt #daveramsey #gazelleintense #rachelcruze #formybabies #babysteps #babystep2 #financialpeace #financialfreedom #mindovermatter #twojobs #fulltimestudent #fulltimemommy #bosschick #ladyboss #putinwork #doinwork #budget #budgeting #everydollar #extramoney #debtfree #debtfreecommunity #debtfreejourney #frugal #savingmoney #onabudget #writtenbudget #zerobasedbudget

171 28 01:30pm 02/20/2019

17 0 01:15pm 02/20/2019

Woke up and paid an extra $25 on my student loans so it could be in the $7,000 range 😂😂😂 this is all that stands between us and no more student loans 🥳🥳🥳🤩🤩 #daveramseybabysteps #daveramsey #debtfreejourney #payingoffdebt #debtfreecommunity #mastersdegreesareexpensive

65 5 01:09pm 02/20/2019

Happy #humpday everyone! Leaving you with some financial inspiration today: ⠀ Financial change happens when you’re TIRED😴😴 of being financially tired. ⠀ ⠀ Doesn’t it get old falling back into the same pattern of debt & despair?! ⠀ ⠀ You are the only one in charge of your life! In order to take control you must realize the steps you need to take in order to be financially free! ⠀ ⠀ We’re here to help along the way of course, but no one can do it for you. ⠀ ⠀ If you were looking for a sign, here it is💯💯 // #qoins

36 1 12:57pm 02/20/2019

NEXT. . That's it. No pumping music. No in your face encouragement. . Digging deep into yourself for the will to keep going. You're the only one who can change your life. TRUTH 💣. . I can encourage you. I can cheer you on. I can't get you out of bed and make you do it. . We've got to find that will within ourselves. What got you here won't get you to your goal. Keep digging. It's in there. . I believe in you. It's time for YOU to believe in YOU. ✌❤💣 . . . . #thankunext #iowagirl #iowafit #fitish #lifeafter30 #payingoffdebt #peanutbutteraddict #blondebob #girlswhousethefword #strongaf #progressnotperfection #terriermama #digdeep #trustandbelieve #marriednokids #neverthelessshepersisted #feministaf #girlswholift #publichealther #dinks #politicaljunkie #sciencenerd

12 2 12:35pm 02/20/2019

Chances are if you’re reading this, you’ve done something with money you wish you hadn’t. Man if I could only go back in time and tell my younger self everything I know now. For a mini auto-biography including the three dumbest things I’ve ever done with money, check out my newest blog post. And tell me down below—what mistakes have you made with money? Let’s all learn from each other!

343 75 12:29pm 02/20/2019

We all have those days. Yesterday was a tough day at work and it was everything I could do not to fall apart. Thankfully, I leave it all behind in the past. Today is a new day, and I'm ready to take it on head first! #debtfreejourney #debtfreecommunity #budget #budgetinglife #daveramsey #frugalliving #debt #debtfree #babysteps #babystep2 #tinyshovel #debtfreedom #debtisdumb #finacialfreedom #financialpeace #payingoffdebt #gettingoutofdebt #debtsnowball #onabudget #budgeting #zerobasedbudget #crushingdebt #livingonabudget #nospend #debtfreelifestyle #budgetlife #daveramseybabysteps #teamtinyshovel #debtfreegoals #lifeonabudget

32 0 12:27pm 02/20/2019

Truth. #daveramsey #budgeting #payingoffdebt #savingforvacation

8 0 12:15pm 02/20/2019

This is my minimum payment a month for two credit cards and a car loan. I actually pay $250 more than this for my snowball. I can’t wait until my money only has MY name on it!

37 1 11:20am 02/20/2019

155 10 10:47am 02/20/2019

I don’t know who needs to hear this but I do. This is an easy trap to fall into. These people we may want to impress are probably not the people that we want our lives to be like. We probably don’t even like them that much. Just remember your goals and what you want out of life. How do you cope with this? #goals #debtfreecommunity #debtfreecommunitycanada #financialindependence #wealth #personalfinanceforwomen #financialfreedom #budget #finance #financialfreedom #personalfinance #saving #payingoffdebt #debtgoals #savinggoals #budget #saving

41 3 10:26am 02/20/2019

Our pay breakdown this fortnight! It includes my 8 days of full pay, 1 day unpaid and 1 day at half pay, which was the last day of my maternity leave. More than I anticipated and much appreciated! The money has hit our account so tomorrow I will go in and allocate the funds into our budget areas. It takes all of about 10 minutes to do it and we're set for the fortnight. For those new to my account, we follow a #zerobasedbudget which works really for us and gives me full transparency of where our money is going, and how it's being used. But we do have to keep on track of expenses, which is definitely a bit time consuming when you might be running a lot of them at a certain time. However, we are so used to it, it's not a big deal. After these payments, we will be under 65k in debt!! 🎉

78 1 10:16am 02/20/2019

Hi everyone,👋 I've really only just joined instagram (yeah a bit late right!)📱. Any tips you can give me on how to get the most out of it?🤪 . . . . . #thefinanceinsider #budgettracking #debtfreedom #emergencyfund #financialcoaching #firstpost #payingoffdebt #studentloandebt #totalmoneymakeover #sucesshabits #newoninstagram #debtfreecommunity #financialindependence #frugalliving #onabudget #personalfinance #savingmoney #wealthycreation #moneysaver #thehustle #budget #entrepreneur #finance #makemoney #retirement #savemoney #financialfreedom #financialeducation #womenpower #followyourdreams

28 8 08:52am 02/20/2019

Listed for a couple of weeks. Always had watchers, straight from the get go. Sold for full asking price. This could not have come a moment too soon. All accounts are $0.00 😫 . This is why I 💜 selling shoes. I think I'm starting to figure it out.... . . #ebay #ebayaustralia #aussiereseller #shoereseller #sidehustle #listlistlist #sellsellsell #iloveshoes #theuglierthebetter #barefootinvestor #daveramsey #payingoffdebt #whateverittakes #shoesales #sellmyshoes #noexcuses #ineedmoney #frugalliving #shoesshoesshoes

59 4 08:14am 02/20/2019

Frugal Swing Update Considering I’ve had really sick kids I’ve done so well. No extra spend has happened stayed in my budgets for my cash envelops no take away no shopping no servo trips no coffee. So far so good looking back I’m happy tough on those days I needed to spend but they needed it. . . . . #frugalfebruary #nospendchallenge #fifowife #moneytalk #debtfree #debtfreecommunity #Debtfreeaustralians #debtfreejourney #debtisdumb #payingdowndebt #livingonabudget #budgetlife #frugalliving #savingmoney #moneyhabits #budget #budgeting #savvymum #savvy #organisedmum #ozdebtfreecommunity #sidehustle #nospend #payingoffdebt #debtfreecommunityaustralia #frugalaussiemum #debtsucks #savingsgoals #workingforabetterlife

41 5 06:39am 02/20/2019

Ugh seeing this headline more & more. Anyone else think a recession is coming or another housing crash? #debtfreecommunity #debtfreejourney #payingoffdebt #dfc #debtbegone #economy #recession

10 4 04:59am 02/20/2019

Paid of $25k in debt since tracking from april 2018. Next month this number will increase when I get my bonus. #debtfreecommunity #debtfreejourney #payingoffdebt #debt #debtisdumb #debtsnowball

13 0 04:28am 02/20/2019

38 0 03:21am 02/20/2019

I'm having so much fun with flat lays. I hope I'm doing it right. 😂 Oh well, a few new listings are up! . . . . . #poshmark #smallbusiness #sidehustle #payingoffdebt #vincecamuto #7forallmankind #jeans #designer #eccoboots #ecco #poshambassador #fossilpurse #fossil #vintage #poshboss #bosslady #entrepreneur

49 1 03:12am 02/20/2019

If that ain’t the truth. I learned if you have $5 left you go and buy a Starbucks. Because money always comes from somewhere. Resetting the mindset for our family. This is not the narrative we’re teaching our little humans. Posted @withrepost • @debtfreeby35_ #debtfreejourney #parents #outcome #planner #idol #hero #personalfinance #wealth #inlaws #work #marriage #goals #dfc #debtfreecommunity #payingoffdebt #oklahoma #daveramseybabysteps #daveramsey #studentloans #creditcarddebt #carpayments #goodbyedebt #debtfreejourney #wedding #marriage #marriedandyoung

20 2 03:03am 02/20/2019

I need business partners in all 50 states text info to 678-689-8176 #getapproved #atlrealtor #kellerwilliams #realtor #creditrepair #badcredit #workfromhome #homebuisness #homebuyers #ifixcredit #financialfreedom #incometaxrefund #taxrefund #payingoffdebt #incometax #wealth #entrepreneur

14 2 02:53am 02/20/2019

February has been a terrible month. A month full of loss and heartache for our family. But, we’ve stayed focused and didn’t let the craziness take over in terms of getting takeout, emotional spending, etc... in our no spend February we’ve ONLY bought groceries and gas except for 2 days and one of those days were all additional expenses that came about bc of my aunts passing (we took my dad out to breakfast to cheer him up, bought flowers, printed out pictures for picture boards at her services). Otherwise, we’d only have 1 “fail” day. We bought some Valentine’s Day stuff (fruit tart, I got a little photo cube made for my husbands desk at work). I hoped to have less than 5 no spend days and we’re killing it!!! Have not gotten takeout once! #daveramseybabysteps #daveramsey #debtfreejourney #payingoffdebt #debtfreecommunity

43 6 02:47am 02/20/2019

Such a sweet young broke couple. Looking back, I’m actually surprised we either didn’t use credit cards for our portion of the wedding. We spaced our our purchases. $200 here $500 there spread out over a year engagement. However, the bittersweet part was the honeymoon. Although it was WONDERFUL in lovey ways, we blew the wedding money we got. We went to Tahoe for 2 days because I was still in school and had class the following Tuesday. The wedding gift money was about $1100. We blew it on food and gambling. Soo smart. We got back from the honeymoon and was thrown right back into floating payments and debt stress life. What a way to start a marriage. (INSERT HAPPY ENDING MEMORY) We went back to Tahoe for our first anniversary with a newborn. Brandon bet $40 on a football game and won that $1100 back. What did we do with it? Pay off my wedding ring :) that was 6 years ago. #dfc #debtfreecommunity #payingoffdebt #oklahoma #daveramseybabysteps #daveramsey #studentloans #creditcarddebt #carpayments #goodbyedebt #debtfreejourney #wedding #marriage #marriedandyoung

22 1 02:30am 02/20/2019

Well, I’m a little behind with this one, but LOOK… MOMMA GOT A NEW CAR <3 (and it appears she also already took it mudding 😜 ) . Back in December I was able to make my VERY last payment on my 2014 Subaru Impreza making it ALL MINE just in time to need something with a little more space, and that would be a little more carseat friendly… 🤦🏼‍♀️ . But hey.. the Subaru is now ours, and since John has been driving a 2002 Subaru WRX for the last few years, I figured it was time for me to pass down my newer (and more reliable) car to him! . HERES WHERE IT GETS EXCITING... I went into the bank with ZERO anxiety about taking about a loan on this beauty. It was an easy decision for me this time around… I know I have the extra money coming in from my coaching biz, and that this purchase will not dip Ito the extra money we have been putting toward John’s heaping student loans! . Because of my side business I don’t have to worry about pushing back our goal of paying off John’s student loans by the end of the year just so we could have a little more family friendly car… . The financial stability that we have found through helping people change their lives has significantly changed our lives in more ways that I can count! I came into this hoping to make an extra $100 a month to maybe save up for a vacation each year, and look at all that its brought to us - 2-3 vacations per year, paying off debt, being able to buy the house we really wanted… It’s all thanks to taking a chance on something I wasn’t sure about… . I know I’m not the only one who watched on the sidelines for a while before taking a leap and trying something new.. So, what is keeping you from taking a chance…. Maybe this opportunity could help you pay for groceries, or maybe for that new car you’ve been wanting, or even get you out of the debt thats been weighing you down…. If you have ever wondered if its for you… Now is your chance to find out.  NEXT WEEK my team and I are hosting a sneak peek into what we do as online coaches, how we create an income, and how our income has grown over the years. If you want to check it out, comment below “interested” and I’ll send you info. Stop watching. Join me!!

108 1 02:12am 02/20/2019

You can buy a house with a zero or low credit score! Schedule your FREE appointment with a financial coach to find out how! www.hopewealthplanning.com #debtfreecommunity #payingoffdebt #creditscore #mortgagefreehome #dreamhouse #debtisdumb #cashisking #daveramsey #debtfreeliving

9 0 02:00am 02/20/2019

See how I'm tracking my debt. New video up...link in bio! . . . #debtfreecommunity #debtfreejourney #payingoffdebt #debtelimination #deluxemonthlyplanner

10 0 01:59am 02/20/2019

I was going to trade in my little kia that I paid for with cash. The only reason I wanted to trade it in because I became obsessed with another car! This other car was over priced and older. It did have less miles though. The dealer was only going to give me $1500! There is no way I could buy a car this nice for that price! I am happy to say that I got my head straight and passed on that other car! I don't ever want debt again! I want to keep freedom from having to work everyday! #minimalist #minimalism #simpleliving #simplepleasures #minimal #debtfreecommunity #debt #payingoffdebt #wanttobedebtfree #debtfree #payingmoreondebt #savingmoney #debtfreejourney #eatathomesavesmoney #debtballandchain #smalltownliving #countryliving #countrylife #debtfreecar #nocarloan #kiaspectra5

27 0 01:48am 02/20/2019

🚨⚠️🚨CAUTION🚨⚠️🚨 - GIRL SCOUTS are out selling cookies....And if you’re anything like me you’ll just give them ALL your money in exchange for ALL the cookies 🍪 - There is hope 🙌🏻🙌🏻🙌🏻 - Shakeology offers you an alternative. Same flavor but without the guilt. - GIRL, stop hiding in the pantry. Get yourself some chocolate 🍫 shakeology add some peppermint and vanilla extract, unsweetened almond milk, hand full of spinach (for green color, does not alter flavor) and 💥 you have yourself a THIN MINT. - It’ll be the healthiest meal of your day. - PS: Girl Scouts I ❤️ you. A little too much but I have zero self control. #healthyandfit #nutrition #nutritiononthego #shakeologyrecipes #bossbabe #payingoffdebt #daveramseybudget #transformationtuesday #cantsayno #craving

8 1 12:23am 02/20/2019

Guess what Set is back?!? She’s such a hit! I’ve sold this Set 3 times before even posting her on the shops page 😱✨ This Set is one of my Favorites! And it’s one of yours as well! So I’ll keep making this beauty! I only have ONE Made and ready to go! Hurry before she’s gone! ✨💕 ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ✨💕LINK IN Bio 💕✨⠀ ⠀ ⠀ ⠀ ⠀ #plannerstickers #budgeting #plannercommunity #budgetplanner #cashenvelopes #cashenvelopesystem #cashenvelope #budgetplanning #budgetingtips #DaveRamsey #EtsyShop #Etsy #Save #Budget #Money #WorkHardPlayHard #BudgetSystem #debtIsDumb #DebtFreeGoals #DebtFreeJourney #DaveRamseyBabySteps #GoalGetter #Hustle #ExtraMoney #WorkHard #Save #Savingmoney101 #DebtFreeLife #PlannerLover #LifePlans #PayingOffDebt ⠀

24 2 11:27pm 02/19/2019

This Set Is Now Live At The Shop 💕 ⠀ Its super cute!! The Gold Is E V E R T H I N G⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ⠀ ✨Link In Bio ✨⠀ ⠀ ⠀ ⠀ ⠀ ⠀ #plannerstickers #budgeting #plannercommunity #budgetplanner #cashenvelopes #cashenvelopesystem #cashenvelope #budgetplanning #budgetingtips #DaveRamsey #EtsyShop #Etsy #Save #Budget #Money #WorkHardPlayHard #BudgetSystem #debtIsDumb #DebtFreeGoals #DebtFreeJourney #DaveRamseyBabySteps #GoalGetter #Hustle #ExtraMoney #WorkHard #Save #Savingmoney101 #DebtFreeLife #PlannerLover #LifePlans #PayingOffDebt ⠀ ⠀

44 1 11:22pm 02/19/2019

I eat a lot of meals “on the road” (any meal I don’t eat at home is considered on the road). Sandwiches get boring after while, so I have to get creative. Sometimes that means I make a salad, and purchase a hot-and-ready from the Little Caesar’s on the corner. A $5 pizza will last 3-4 meals. I’m always looking for ways to mix things up on a budget. #pizzapizza #littlecaesars . . . #debtfreeindetroit #debtfreeinMichigan #borrowerisslavetothelender #debtfree #debtfreecommunity #babystep2 #daveramsey #slaughterdebt #noexcuses #payingoffdebt #byebyedebt #debtfreeliving #debtavalanche #debtisdumb #nomoredebt #budgetlife #reachinggoals #budgeting #debtfreejourney #budgeterswin #personalfinance #frugal #detroitmichigan

66 2 11:20pm 02/19/2019

34 3 11:14pm 02/19/2019

Hi! So this is us! Ferociously in love. Together for 10 years in June. Married for 6. We have 2 kids together and 1 from a previously relationship. We’re from Northern California but moved to NE Oklahoma in December of 2014. We absolutely love it. It’s inexpensive and a little slower here. This is the life. Okay, now to the debt.... we both have never been debt-free as adults. We both have always had car payment even at 18 years old. He has very little student loans (which he didn’t need to take out because he had a G.I. Bill) for an AA and BA and I have an obscene amount of student loans (way more than I needed to take out) for an AA, AS, BA, and MS. Majority of our CC debt came from a year when I decided I wanted to try out teaching. Did I mention we live in OK? We’ll each do our individual stories of why soon. Anyway, thank you for following! We need all the support we can get. #dfc #debtfreecommunity #payingoffdebt #oklahoma #daveramseybabysteps #daveramsey #studentloans #creditcarddebt #carpayments #goodbyedebt #debtfreejourney

20 4 10:33pm 02/19/2019

Today when I finished, I felt like a total #badass . . Exhilarated. Happy. Energetic. . But when I snapped this photo the first thing I noticed WASN'T my smile. Or my bicep gains. It was my abs. . Rather, the squish around my abs. Which is why I wanted to share this. . We all have pieces of ourselves we pick apart. Criticize. Want to "fix." . But ladies, let's freaking change our perspective. We need to see the ENTIRE picture. . Let's focus on our strength. Let's focus on our endurance. Let's focus on how incredibly grateful we are that our bodies allow us to do incredible things. . And for the love, let's remember that we are MORE than our smallest "imperfections." We are powerful beyond measure. . The most important transformation you make is NOT in your abs. It's your mindset. Are you ready to Transform? . Let's freaking DO this!! ✌❤💪 #TransformationTuesday

10 2 12:27pm 02/19/2019

Photos and Videos about #payingoffdebt