$26,000 paid off in 9 months! AMAZING job. Proud of you!
#repost @lyssiemaria “Turns Out I’m 100% ...THAT Girl.. #DEBTFREE “ (** @lizzobeeating voice)
$26,000 paid off in 9 months!!!! The rest of my Student 👩🎓 Loans were weighing me down and I finally just HAD enough! .
If you’re super close to me, you’d know that this was SUCH a big goal for me. I told EVERYONE around me bc i wanted people close to me to hold me accountable and SUPPORT me when I felt weak. .
I knew when I ended up taking @daveramsey 9 Week Financial Peace University course that I was making a commitment to my future self. Despite opening the new OVA shop , I was NOT going to let that get in the way of this goal. And I didn’t. That class just made me even more focused and clear minded on my year end goal. I stuck to my guns and never opened a single credit card for my shop and just save and worked harder. I was able to save enough to officially pay off the rest of my Student Loans a WHOLE ✌🏾 Months early even!!
The lord has been amazing throughout this whole process. I was intentional with my efforts but I was faithful in understanding that he’s got my back! I even UPPEd my tithing during this process. I don’t say that to be obnoxious but I say that bc I firmly believe when I decided to let go and give it to God and have faith he will take care of me - it was purely freeing! .
32 and debt free baby!!!!! Deuces to Debt ✌🏾✌🏾✌🏾✌🏾✌🏾... PAAA-EACE! .
1 day ago
A credit score is NOT an indication of how well you’re doing financially. It’s an indication of how well you’re handling debt—or how well debt is handling you. #debtfreecommunity
6 days ago
WOW. Way to go, you two!
#repost @catherine.e.davis $150,857.30 GONE in 3 and half years.
Cash flowed PA school, then got serious and knocked out $105,419.83 in the past 11 months (when we finally hit two incomes 🙌) and we are NEVER going back.
What kept us motivated:
Gaining financial freedom 🙌
Setting solid foundation for our future family 💕
3..2..1.. All Glory to God, WE’RE DEBT FREE!!
So excited! Thanks to my boss over at Next Peak CPA, Inc I'm here at the Smart Conference meeting with some pretty amazing people. #smartconf#debtfree#babystep2
21 hours ago
PAY OFF YOUR DEBT AND BEGIN SAVING FOR THE FUTURE! Register today for our Financial Peace University Course. What is Financial Peace University? It is a nine-lesson, money Management class taught by America’s most trusted financial guru, Dave Ramsey. Dave and the teaching team will walk trainees through the basics of budgeting, dumping debt, planning for the future and much more. Join us, let us show you how to become DEBT FREE!
I started our weekend with home made whole grain pancakes to use up the last egg of the box and some milk that would have gone off otherwise. Healthy, frugal and avoiding food waste! Also so delicious 😋
When we still lived in a city, we would have gone out for coffee and brunch. We only started making coffee at home a couple of years ago and it's made such a difference. It feels like a small frugal win every time I brew a nice cuppa at home ☕️💸
In the afternoon we went to the garden center and I got myself some houseplants in cute planters plus flower bulbs for the garden. It felt like a big spend but hubby was encouraging me to splurge and I'm so happy I did! I grew up in poverty and buying nice things for myself is hard for me and comes with a side dish of guilt. I'm slowly getting better with this and I know that these beautiful plants will bring me lots of joy every time I look at them 🌿
I think it's about choices in the end: there are so many ways to spend our money and you have to choose what makes most sense to you. I'm happy to skip fancy brunches at Insta-worthy cafes and buy plants instead as this is more meaningful to me. Cut costs in the areas of your life that don't make such a difference to you and treat yourself in ways that make you live a happier, more fulfilled life, even if others have different priorities. You do you! 🙃
Let making money be your principle
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Dave Ramsey Smart Conference!!! #debtfree
21 hours ago
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21 hours ago
Last night I used my $10 Victoria's Secret email code at PINK and stacked it with the free panty code in the PINK app. Panties were $4 each. I got 4, applied all the codes, and paid $2.17! Basically my price point for underware these days is $1 or less.
Just in case there's some die hard Dave Ramsey fans that just followed us, we don't follow Dave Ramsey's rules to a T. Here's how we're different: we travel on BS2, we eat out at restaurants and don't budget it on BS2, we didn't pay off my car until the loan was due to be paid off even though it was smallest debt for awhile. Here's how we do well on the plan: we learned to say NO, we've paid off credit card debt and haven't had more for over a year, we pay cash for everything, we live in a one bedroom apartment which we rent while we pay off debt, we have two paid off cars we plan to drive into the ground, we have a $1K emergency fund, we shop deals and use coupons for everything, we don't contribute a lot to retirement savings YET. There's many facets to someone's debt free journey, these are only a few. I'm so glad we found Dave Ramsey and the #dfc so we could get out from under our $72K mountain! Eventually, we got to a point where we were psyched to get our paychecks so we could immediately roll it over towards debt 😂 How do you follow the plan and how do you differ?
21 hours ago
I am so excited to see @daveramsey@anthonyoneal@chrishogan360 today live!! We started our debt free journey January 2018 and almost finished with baby step 2. Can’t wait to get more knowledge and inspiration.#smartconf