#daveramsey

Update: I have $60 of the $100 I need for my car registration. I began this sink fund about a month and a half ago and contribute $20 each payperiod (every 2 weeks). My bill is due June 24th and I still have 2 more pay periods till then. My total fee is $196 and we have agreed to use $100 from our savings to cover the other portion. . . Are you working on any sink funds? . . #letstalkaboutdebt #99problemsdebtaintw1n #debtfreecommunity #debtfreejourney #financialfreedom #financialliteracy #financialgoals #debtfree #debt #budget #savingmoney #debtfreegoals #retirement #budgeting #cash #daveramseybabysteps #daveramsey #daveramseybudget #financialindependence #cash #cashisking #tbm #budgetmum #sinkingfunds


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Debt update!!! $$$ My current debt after all the bills for May has been paid is $122,743.49. I haven’t been paying extra on my debt and just has been paying minimum payments. Any extra money goes to our emergency fund.. for now.. I have been feeling unmotivated this past couple of weeks but seeing my debt went down by $2,262 makes me feel inspired to keep going.. Ughh.. can’t wait to pay myself instead of paying debts!! Soon! What helps you to be motivated in paying down your debt?? I need inspiration.. 😅😅 #budgetliving #budgetgoals #budgetlife #budgetmeals #budgetfriendly #debtfree #debtfreedom #debtfreecommunity #debtfreejourney #debtfreegoals #debtsnowball #debtisdumb #debtfreeliving #debtsucks #debtfreelife #daveramsey #daveramseyplan #daveramseybabysteps #daveramseybudget #daversmseyapproved #daveramseycommunity #daveramseywouldbeproud #daveramseyinspired


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These kids probably don't know what they got themselves into!! They asked me to talk about how our business has impacted our lives! 😂 Where do I start? Being able to choose when to work, ...paying the down on BOTH our new car and deposit for the lot for our new house....no more pay check to paycheck. CASH only spenders for the whole 5 years of our marriage! We are still on our journey and love sharing the progress we are making! 🤙🏼 Wanna hear me break it down tomorrow!?. I'll be sharing at 2pm over on FB...., but the prize giveaways start at 10am and go all the way til 8pm , so jump in! Everyone is welcome! 🌺. . .#cashenvelopesystem #daveramsey #thebudgetmom #lennar #forestgrove #thehibiscusqueen #happyhour


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BLOG TIME ft Meelo & Dad 🐾 ——————————————— Lately I’ve been stressing about my husbands deployment coming up although it’s still months away. Idk if it’s because Mother Nature hit and I’m overly emotional/moody or what but I get anxious just thinking about it lol. ———————————————— We sat down the other day and came up with a pre-deployment plan. If you know us, you know we hate planning and we’re usually “last minute” type of people haha. But this is very important because we don’t want to stress about certain things; ex. Babies and if I were to get pregnant he would miss out on a lot. Also, we’re in the middle of deciding whether Ari, Meelo and I should move back to WA and place our belongings in storage or just stay. Personally, I want to stay lol. Ari wants to leave. And socheat wants us both to leave to have family as a support system and our main reason: to save as much as we can and go debt free! #teamdaveramsey it’s a big and hard goal we have been trying to achieve for a few years now and we’re finally getting so much closer! ——————————————— Other feelings I’ve been dealing with: sadness. Sadness because I miss my mom like crazy (she’s stuck in Mexico) and don’t know when or if she’ll return. ———————————————— Lastly, let’s hop back into the baby talk. So as far as TTC, we have decided to put that aside for now (yes cancelling my RE appt). We recently found out my husbands grandparents (who raised him till he was 13) got diagnosed with cancer 💔🙏🏽. So, we don’t want to be pregnant and travel outside the country. Another reason we decided to stop (we probably wouldn’t get lucky anyways lol) is because we now want to wait until after his deployment so he’s here for it ALL (since we missed our opportunity already) & we’d also be completely debt free by then. We laugh at each other because we say it, as if we could get pregnant any moment 🤣 (4+years & counting lol). ————————————————— So, that’s what’s been running through my head lately and what I’ve been up to lol. Lots of planning and taking notes. As far as PCOS goes, I’ll still be taking my vitamins but only taking Myo & D-Chiro inositols and Berberine (for insulin resistance) for now🌻


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Wash Wednesday. Every Wednesday my sweet Husband washes our bedding and today he sent me this cute picture. It has been a nightmare today and I’m working 17 hours today. So in the spirit of Covid... please tell me something GOOD that has happened to you! . . . . #mariekondo #minimal . #daveramsey #debtfreecommunity #debtfreejourney #youtube #frugalfamily #frugal #debtfreescream #livelikenooneelse #goals #broke #homedecor #personalfinance #quotestoliveby #budgeting #encouragement#lifestyleblogger #studentloans #financialfreedom #minimalism #babysteps #liveintentionally #girlboss #progressnotperfection


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It's currently 04:30 and I have been awake since 03:00. Not sure why but it has given me time to think more clearly about my goals and why I started this journey in the first place. And so, this morning, I have put some actions to my words and followed through. I closed my eyes and paid off my second to last consumer debt with saved lockdown funds. I'm not going to pretend that it was easy as some of you are aware that I have been procrastinating regarding this decision and instead sat on the money whilst it did absoluty nothing for me in my current account. I have to admit though, I feel much lighter now, like I have a spring in my step! I am so happy and feel like I have a new found energy!!! Yay to the small, medium and big wins! 🥳🥳🥳 Now back to bed to salvage what additional sleep that I can. 😊😊😊


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Are you part of the Barefoot Investor group? Here’s a solution on how to keep your debit cards separately. Most of us prefer ING and not knowing which card is for which expense can be so time consuming. We offer custom order options and a variety of colours. Shop now while stocks last. #barefootinvestor #daveramsey #debtfreecommunity #ingbank #snowballmethod #daveramseybabysteps


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the first room of the apartment to be cleaned out of all except essentials 😌🌿 i'll go into detail of what we kept, but it was about 40 items and i feel like we can just make an impromptu dish or cake anytime we want now 💗 swipe to see!


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DAY 6⠀ ⠀ While we are waiting for the 2 lenders to work on the details of the loan, buyer has a very good question that a lot of other buyers have asked, "Is home warranty the same as home insurance?"⠀ ⠀ No, they are not the same.⠀ ⠀ HOME WARRANTY is something that we normally ask seller to pay for. It covers mainly the various systems inside the home. Think in terms of the plumbing, the electrical network, the HVAC system, appliances, etc., the "moving parts" inside your home. ⠀ ⠀ HOME INSURANCE, on the other hand, covers the entire home in the event of a catastrophe, such as a floor, a fire, a hurricane, or an earthquake. You may also have a liability portion built into the home insurance in case someone has a bad fall within your property.⠀ ⠀ 💲 For home warranty, repairs involved are usually under $1,000 per item. For home insurance, a claim can involve $10,000s. ⠀ ⠀ ☎️ You can order home warranty online before the transfer of title through one of the home warranty companies. Go to http://www.homewarranty.com for an example of coverage and exclusions. As for home insurance, we recommend our clients to call their auto insurance provider to add home insurance for a bundle discount as a start. After closing, when they have more time, they can shop around and transfer if desired.⠀ ⠀ ⠀ We hope you find this information helpful. Stay tuned for what happens next!⠀ ⠀ Please ❤️ our post and tag the friends who need it.⠀ ⠀ Thank you for reading!⠀ ⠀ _____________________________________⠀ #selfiehiveguides #financialfreedom #debtfreejourney #debtfreecommunity #budgeting #realestateinvesting #debtfreeliving #financialpeace #flippinghouses #flipthishouse #daveramsey #frugalliving #frugaltips #realestatelaw #financialindependence #millionairemindset #millennialmoney #millennials #richdadpoordad #firecommunity #firemovement #retireearly #10x #househacking #dfc #homeowners #homesellingtips #homebuyingtips #homeimprovement #redecorating


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How many of these items have you found in your home while quarantined? 😝😎


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👋 goodbye car payment, grad school, and student loans! And I flashback to this debt free journey that started 26 months ago when I was considering going back to school, but knew I didn’t want us to have to go deeper into debt to do it. So we jumped on the @daveramsey plan and got on a budget to make it happen. And WOW we learned to live on less than we made and had a plan for every dollar coming in. It was so motivating to see that cash-flowing grad school was not only possible, but that we had enough to begin paying down existing debt like never before. Hello #everydollar app 🔥 We did allow ourselves to have our share of fun along the way, but y’all, working together to improve our future IS fun!! 💛 Most importantly, thank you Jesus for your provision through it all 🙌🏼 I hope that sharing what worked for us may help someone that’s ready or already attacking debt as well. I know that I needed all the encouragement I could get along the way. Shoutout to @zach.wink for being the best husband and proving #teamworkmakesthedreamwork 👈 #debtisdumb #babysteps #daveramsey #debtfreescream


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I'm embarassed because #1:I make $60k and shouldnt have this much debt and #2 because I havent brought my debt down as much in the past month. It's so hard to let go of money when you're unsure of what's going to happen in the future. I think I'll keep $5k in the bank and then go gazzelle mode.... $5k should be enough for 3 or 4 months if no major car repair bills show up again. If I do this, I should be okay after this week's paycheck. #babystep2 #daveramsey #studentloans #debtfreeamerica #covidsucks


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Thank you Jay! 🙌🏽😩🙌🏽 _______ I’m going to keep pushing. Financial literacy can be 🔥 ______ I’m truly passionate about informing the uniformed.....helping winners win.....and watching people’s wallets and minds grow❤️❤️❤️❤️ ______ I might not be able to change the world.....but, I can spark the light in someone to change the dynamic of their family. ________ #stayhome #personalfinance #money #womenempowerment #funds #daveramsey #freeresources #frugal #budgetnista #youtube #moneymanagment #free #tbm #fitness #pink #fitmom #motivation #budgetplanner #debtfreecommunity #debt #economy #budgeting #budget #financetips #finance #budgettips #personaldevelopment #tips #cashenvelopes


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🥳FINISHED PAYING OFF MY LAST CREDIT CARD🥳‼️‼️‼️ . I just sent my last $154.40 to my credit card... I am officially CREDIT CARD debt free ‼️‼️‼️ . I am so excited.. even with my car going to the mechanic this coming Saturday (they said I need a new motor 🤬🤬) I am still celebrating this win‼️ . Pray for me that this car doesn’t cost more than I have saved in my sinking fund 🤣‼️ . #stimuluscheck #savings #debtfree #debtfreejourney #debtfreecommunity #daveramseyish #daveramsey #snowballpayments #babystepstofinancialfreedom #financialfreedom #debtsnowball #emergencyfund #emergencyfundcomplete #stayhome #saferathome #budget #budgeting #budgeting101 #budgetingtips #financialgoals #kidssavings #creditcardpaidoff


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No more excuses! Physical fitness, like financial fitness, takes work. The more you do, the easier it is do more. You'll never achieve a goal without taking that first step. What are your goals? . . . #TMFC #financialcoach #financialcoaching #debtfreecommunity #teachablemoment #babysteps #balance #RPC #dash #give #cheatmeal #carnote #topramen #mealplanning #bekind #daveramsey #sickandtired #debtfreedegree #myscholly #studentloancrisis #financialpeace #microsoft #babystep1 #christmas #everydaymillionaire #fire #millennial


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This is what goals, commitment and progress looks like! Every colored square is 1k in debt paid off and every blank one is what we have left. Student loans, credit cards, car payment. We started January 2019 and I’m so glad we made the decision to do it! . It’s not easy and sometimes I wanted to cry or scream or just say F$&k it! But Warren had a vision and a plan and I’m so happy he did! I share this because this is just one more thing I wish I had figured out when I was in my twenties. But the reality is we just make excuses until we are ready to decide to make changes. Especially when they are uncomfortable. The good news is that it’s never too late. If you need a starting point, listen to Dave Ramsey. He’s not for everyone, but his system works. . It really just doesn’t matter what you want to accomplish...financial, health, relationship goals....break them up and knock them down. Step by step, day by day! You will get there💥💥💥


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When I realized I mismanaged money so bad earlier in my life, it made me nervous to earn more or take a second job. I was nervous because I felt I was likely to exhaust myself working multiple jobs and not have anything to show for it, since that had been my past experience. So I did something unexpected. I decided to slow down whenever I felt like hustling harder. I decided to slow down and learn how to manage what little salary I was making before trying to earn more. I wanted to be truly sure I could manage small amounts of money, so when I was ready, I could focus on earning as much as possible without the fear that I would lose the money due to bad money management skills. How would I know when I was managing my money well and ready to focus on earning? I would be living below my means, my debt would be consistently reducing, and my savings would be increasing. To track those three factors. I created a monthly spreadsheet that tracked my total debt, my total savings, and subtracted my total savings from my total debt to get my net worth. Eventually I did learn to manage my money well. I had eliminated all my debt, consistently increased my net worth, and consistently increased my savings. I now feel confident that when I earn more that I will have something to show for it because I first learned how to manage small amounts of money. . . . . . . . #WomenWinWithDividends #DividendWins #DividendStocks #Dividends #WomenInvestors #WomanInvestor #Investing101 #Sleepy #WealthBuilding #SleepyGurlFinances #WealthGap #PayGap #DebtFreeCommunity #Frugal #ValueInvesting #BeginningInvestor #BeginnerInvestor #WomenAndMoney #WarrenBuffett #SuzeOrman #DaveRamsey #BuildingAssets #FIRE #PersonalFinances #SelfCare #TheSleepyGurlWay #StockAnalysis #DividendInvesting #ILookLikeAnInvestor


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