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Talking about finances can be uncomfortable, but it's something that my wife Kellie and I have made a priority since we started dating. Today we are proud to say that we are officially DEBT FREE! We are not sharing this to boast, but to show others that they can do it too. By committing ourselves to the principles of @daveramsey , strictly adhering to our budget, and learning to say "NO", we were able to achieve our goal. As a newlywed couple, we couldn't be more excited to start our journey towards a lifetime of financial freedom. "If you will live like no one else, later you can live like no one else" - Dave Ramsey #daveramsey#debtfreecommunity#livelikenooneelse#financialpeace#debtfreescream#babysteps#actyourwage#debtsnowball#budgeting#everydollar#studentloans
6 hours ago
A goal without a plan is a wish. Write them down and take ACTION. You've got this! 💪
1 day ago
If last week was rough for anyone else, let today be a fresh start and set the tone for a great rest of the week ♥️ life's too short to only live for the weekends.
9 hours ago
This post is for the person who is struggling to pay their bills. Whether you are just starting your financial freedom journey or your simply in a rough patch. When it comes to picking whether to feed yourself and your family or paying a bill, please feed your family. Food is one of the 4 walls ( necessities) for any household. Eating can give you the energy and stamina to go get that income or produce more.
It's easy to get caught up in the emotions of the situation. It's easy to let the calls and notices make the bills a priority, but you have to try your best to stay calm and on target. You're not a bad person because you can't pay your bills. We all fall on hard times. I've seen billionaires go broke! You're only bad if you deliberately are trying not to pay your bills. It actually works in your favor if you are direct and communicate with the bill collectors that you just don't have the money at the moment and will pay them when things get better. Just don't let them bully you into going to debt to pay the bill. Pay the bill in cash when you can afford it.
I remember having to decide to pay a cable bill or buy groceries for the week. The pressure of being behind on bill was eating at me because I am a man of my word, but sometimes you can't fulfill your word due to circumstances that are out of your control. I bought the food and said I would pay the bill when I had the money. I'm glad I chose the food because it took a week for the funds to show up on top of the other expenses I had to cover. I would have been hungry for a week and probably not able to produce to generate the income to produce the bill. I know they say the human being can last 23 days off of water alone, but I'm not trying to find out lol.
I want you to know that 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐧𝐨𝐭 𝐲𝐨𝐮𝐫 𝐜𝐢𝐫𝐜𝐮𝐦𝐬𝐭𝐚𝐧𝐜𝐞. I know it's easier said than received, but it's the truth. Your financial situation can change and will change if you commit to creating a different life for yourself. In the meantime, feed your family, take care of the 4 Walls (Necessities) and pay the bills when you are able. #paychecks2power
2 days ago
Listen, It's not often that I don't step out of the house at ALL but a few weekends back was a lock-in weekend. I had so much work to do, and my budget was tight, so I decided I wasn't going anywhere. I took the time to enjoy my home, and I ate the food in the fridge/freezer. I used the internet and electric that I pay for monthly and even turn the temperature down a bit .
I worked, I napped, I cleaned up, I Netflixed, I read, and I surf the web too lol. I also rested my body as it was sore and seemed a little banged up. It was a great weekend.
What I realized after that weekend was that by simply staying home, I saved so much money, time, and energy. Money that would have been spent somewhere, Gas that would have been consumed, time that would have been wasted, and energy that also would have been used up. I started off Monday with extra money in the bank, body healed, work done, and energy levels on high. It was a great start to the week and a great weekend to recharge all the way around. #paychecks2power
1 day ago
Four years ago, at 22 years old I made the decision to move across the country to be with my then boyfriend. Although we’ve known each other since middle school, we had been dating less than a year before I packed my bags and headed west for Camp Pendleton.
People thought I was crazy, but it was easily one of the best decisions I ever made. So the military gives young people some great incentives to get married and have children like a housing allowance and the ability to leave the barracks for example.
All things they should have, but when I moved we purposely decided not to get married as soon as I got there in fear of doing it for the monetary benefits. Obviously, that shouldn’t be a reason anyone gets married.
We struggled a lot, a marine corporal salary is ~$25k/year and I worked part-time for minimum wage while going back to school. We paid $650/month to rent a room and $550 for my room back home that I didn’t wait the lease out on. That was $1,200 on rent while we brought in around $3,100/month – almost 40% of our income.
We ended up getting married after realizing our relationship was for the long haul (and still is 2 years out of the military). After we got married our monthly income rose to about $6,700/month.
But guess what? While we thought we’d be in better shape financially it wasn’t until February of 2018, almost two years later, that we actually got our shit together.
We didn’t make more money and save more money, we made more money and spent more money. Does more income help? Of course, but only if you let it.
Four years ago I’m truly not sure how we managed in California on $3,100/month and no budget. As Leo’s contract was ending I wasn’t sure how we’d manage with no housing allowance or consistent income in California.
Now, two years out of the military and we are in better financial shape than I could’ve imagined, while I work two jobs and we are on track to pay off $76k in 24 months.
I share all this to say, keep pushing, work hard and budget your income. That’s really what it took for us and I want everyone else to feel as secure as we do now. It wasn’t always this way, but it’s been worth every single hard thing I’ve had to do.
3 days ago
I love saving my change.
I’ve always been kind of a change hoarder, but before I never had any to save. Now that I’m doing the cash envelope system, I get to save lots of change!
I am halfway to a full container since starting my journey in May! It’s so exciting to watch it fill up. And it’s my own little dose of ASMR to listen to the change drop when I empty my coin purse.
I always keep a separate coin purse, so that my wallet doesn’t get super heavy, but I like to have a wallet with a coin slot in case I don’t have the need to carry my coin purse for some reason.
I absolutely love how fun and exciting budgeting can be.
How do you track your change?
Container: Dollar Tree
Here is a breakdown on how CHAMPIONS budget!🔥
Comment Your Thoughts Below!👇🏻
Tag 3 Of Your Best Friends!✅
1 minute ago
Thank you to the person who used my link to sign up to You Gov surveys 👏. If you’ve not heard of You Gov, it’s a survey app with questions on lots of current topics like news, politics, tv programmes. If you sign up using my link, I receive 200 points and you can share your own link and build up your points balance faster. .
It’s a slow burner to get to the £50 payout but they are so easy to do.
Link in bio!
5 minutes ago
This whole ‘getting your financial life together’ should be for YOU.
Not for your mom.
Not for your boo.
Not for your friends.
For YOU. For YOUR life and goals and plans. You want to be knowledgeable and capable of taking action in any area of your money. 🙌💪
This is the truthhhhh!
I had so many limiting beliefs when it came to money and wealth. I had no idea we’d ever be capable of becoming millionaries.
In fact, when I first began studying personal finance and heard the word thrown around so effortlessly I’d be so confused because that doesn’t really happen often where I come from…
I’d think things like “come on, seriously... what do these people do talking about they’re gonna be multi-millionaires?!” First of all, I didn’t truly understand the power of compound interest, but still…
It seemed like something only successful business owners or the peeps on Wall Street were capable of.
After a while though I did eventually go through some online retirement and FI/RE calculators and boy was I wrong 😂 I learned just how possible it actually was.
Had I kept this limited belief and continued to tell myself it wasn’t possible for people like me, who’s to know if I would’ve ever even strived for it?
Now I can feel confident about what we can accomplish and secure about retirement and financial independence because I didn’t stand in my own way and I sought out a plan to make it happen.
Tell me a limiting belief you are trying to overcome👇🏼