Mondays should be Optional...Saving money shouldn’t be! 🎉Flash S A L E! 1️⃣5️⃣% off your entire order when you buy a Luxe Wallet and a set of custom Luxe Binder Pockets‼️ Sale ends August 21st at 10:00pm EST. Use code: MONDAY15 at checkout 🛒 ⚠️Minimum purchase of $55.98 to activate the 15% off discount. Discount will be applied to your TOTAL order (including Luxe Pens, Phone Grips, etc). 😱
Choose from our 6️⃣ Wallet colors & 6️⃣ Binder Pocket Category colors! ❤️🧡💛💚💙💜🖤
Got news today that I’ve been accepted into the master’s program I applied to ! Very last minute finding out (I also applied last minute - Initially I was going to save $$ for another year). I’m worried because I know I don’t have enough cash saved for school but am avoiding loans again at all costs ! I’ll sit down this week with my budget and weed it out again ... like when my whole debt free journey started. Wish me luck !!
My money mindset has become one of trade offs. When I was in high school I learned about opportunity cost but never truly understood what it meant. My teacher put it as “there’s no such thing as a free lunch”. My young self thought “sure there is” I get free lunch from my mom(obviously), school events, and friends houses all the time! Then he said, you trade off time for money or in this case a turkey sandwich. When you make money, you use time. Therefore when you spend money, you are spending your time.
Time is the most finite resource we have on this earth. We have no clue how much we have of it. Really think about that for a second. You’re given a specific allotment of time on this earth and you are SPENDING the time given on frivolous things. If that is your priority then by all means shop till you drop!
For me, I want to spend my time on things that add value to my life, that will leave me truly happy and comfortable, and maybe add a little flare to my life. I have been prioritizing traveling, yes even while on a debt free journey. I have also prioritized experiences with friends and family whether that be, dinner, a boat trip, or a weekend trip to the beach.
I am not spending my time (or money), like crazy, on things that will bring very temporary happiness and dopamine release. I use to get a high after shopping then realize my problems were still there. I use to sit and think, “why was that happiness so temporary”. Once I changed my mindset to be of trade offs, I started really analyzing what I was spending my money and time on and prioritizing what is important to me!
This pile of cash is savings from my last cash envelopes! I love seeing how much I can save a shovel towards debt!
What is your current money mindset?? #debtfreecommunity#debtfree#budgetfriendly#debtfreejourney#debtsnowball#debtfreegoals#debtfreedom#debtisdumb#debtrelief#debtavalanche#budgeting#budgetingtips#budgetmeals#budgets#budgetlife#lifeonabudget#daveramsey#debtfreelifestyle#babysteps#budget#money#moneytip#moneysavingtips#moneygram#moneymanagement#moneysaver
When I was married, we always had a tradition of our family going out to eat after the first day of school. (Teachers shouldn’t have to cook that night, right?😁) ...
When I signed my divorce papers almost three years ago, I didn’t realize that, due to the way we split custody, I would not have my kids on their first day of school. Ever again. This caught me off guard, and it has surprisingly been a rough transition for me. ...
But sometimes, it’s our kids that show us the way. After spending the first week of school at their Dad’s, my girls switched to my house last night. And they were ALL excited about their “second first day of school”. My older two asked me to take their picture this morning before they left, just like a REAL first day. (And they’re in high school, so that’s a pretty big deal.) So I decided that we would all go out to eat tonight. I didn’t have it in the budget, but I do have a small slush fund/cash flow account I can use. So we did, and we had a great time. New tradition can sometimes mean new opportunities. ❤️
Currently reading this book! Has anyone else read it?
“’Divine’ and ‘Glenn Milstead’ are both just names. Glenn is the name I was brought up with, Divine is the name I've been using for the past 23 years. I guess it's always Glenn and it's always Divine. Do you mean the character Divine or the person Divine? You see, it gets very complicated. There's the Divine you're talking to now and there's the character Divine, which is just something I do to make a living. She doesn't really exist at all.”
"He's one of my finest leading ladies" - Tab Hunter [who co-starred with Divine]
Let's talk about money and your habits for a minute. Let me tell you the power of having that $1000 put away. It may be small but there's alot of families who just can't do it. "I can't put any money away,too many bills. "I don't make enough money to save. I was also once in the same boat and know these feelings all too well.Some of the reasons are heartbreaking but can be fixed. $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ ***You can change some of your spending habits and save at least $50-$100 a month even with the smallest paycheck.
. $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ *** Approach your spending on a need vs.want basis.For example: If your car needs repair and it's a $150 job scale back and take a look at your expenses. Here's a few that sneak up on your wallet per month( Amazon Prime $13.78, Netflix, $9.99, Tidal $9.99, Misc.Online subscription $14.95, Starz app $9.99 ,Eating out $100 and we can just stop right there.
. $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ ** That's a total of $158.70 saved and the car is fixed. We can with hardwork and discipline make it to that $1000. We can work on these habits together by creating a plan. It takes about 28- 30 days to break a bad habit. We can crush this timeline in no time. Dm for information on our Financial Accountability partnerships. Let's get you on track. Link for classes in bio.
***See our next post for what having that $1000 saved can do for you.
on saturday morning we spent a few hours at garvies point museum and preserve and had such a nice time, we took the little hike down to the shore and the boys had so much fun splashing around, digging up rocks, and examining a horseshoe crab 🦀 afterward we walked through the museum and the boys were loving the children’s play room set up to show life as a native american on long island ☀️ the best part is we utilized an awesome program from our local library that provides FREE museum passes for a bunch of nearby museums and gardens 🙌🏼 we can’t wait to go back when the weather cools down a bit to enjoy the rest of the trails 🍂 #makingmemories#onabudget#frugalfamily
I hunted down all my loose contact lenses; the ones in drawers, in handbags, in makeup cases, and I counted them all out like little pennies. My health cover at work renews on 1 September and when it does I have £70 to spend on eye tests/contact lenses. I’ve already budgeted £130 this month for an eye test, contact lense check and lenses for the next four months. But, if I can stretch my current supply for an extra week, I can use my insurance and can send an extra £70 to pay off debt instead. The things we do on this road to debt freedom. Looks like I’m wearing glasses this week!
Once Upon a Wine Time 💸
Fancy a free purchase?
I used to treat my credit cards as infinite gift cards until I made a concerted effort to budget. Now when I get paid I put my spending for my food, any transport and my social life on my @monzo card and then ensure I stick to a weekly spending cap. Each transaction is accounted for instantly and it’s always a great feeling if it is in credit at the end of the month. Even if that is only £4!
#monzo was so easy to set up too and doesn’t charge a fee for spending abroad (using local currency option) not that I have been abroad for a while! It also makes that dreaded bill splitting with friends a doddle.
Copy this referral link or DM me for a golden ticket to get £5 on a Monzo card after your first use (even if that’s just for a 🍌 ). https://join.monzo.com/r/8ldnhg9
Sampled the first of the plant-based foods purchased this week. I've seen good reviews of this oatmilk and found it at a natural food store 25 miles away. Price was $5.40 though which means that it is unlikely to be a regular purchase no matter how good it is. 💰
I tried a small sip this morning and found it better than expected. It worked fine in my coffee but was used with the last of my soymilk. This afternoon, I made some chocolate milk with it. Sure was tasty that way but I felt like a twelve-year-old guzzling down the big glass. 🤣
Verdict: good. I would buy it at a more reasonable price. My soymilk is a dollar less per carton!
HEY YOU! YES, YOU!
Give yourself permission to budget for the things that give you peace of mind.
It's been a very stressful week. On Sunday, my brother and I went through our mom's things. It was hard finding things that brought back such memories but necessary since we're planning to put our home up for sale before the end of the year.
Then on Tuesday we went to get our truck and RV from the Nashville area. We got the truck just after lunch but were unable to get the RV until almost 5. This put us right in rush hour traffic of Nashville, which amounted to 2 hours to get out of the city and then put us right into heavy storms.
We got home and in to bed about 1:30. After our 3 fur baby alarm clocks woke us up, we went to clean out the RV refrigerator and freezer. It seems the battery died (so the gas wouldn't ignite) and our refrigerator and freezer had been off for an unspecified amount of time leaving a stink of spoiled food in its path.
We then took out a couch that we don't use took it to my daughter's apartment 2 hours away to put in her extra room. It's a sleeper sofa so at least you'll have an extra sleeping space. And I'll get space for my much needed desk in the RV.
As we continue to move about in each room either repainting or touching up paint and just getting the house decluttered in general - we're now to my Mom's room. She lived with us for several years and so there's a lot of things to pack up, sort through, donate, and decide who keeps what, etc
And so now it is Saturday - I'm just feeling tired and emotionally spent. Add to that the fact that we didn't get a whole week's paycheck it was for only 1 day - ouch!!
There are so many other things that made this week so very hard, but I think I shared quite enough.
I hope to do an updated post on the costs associated with all of the truck breakdown and traveling. I think it's important that we all realize the importance of having money put back for times such as these!!
How did your week turn out?
Let's go make the best of our weekend!!
Woke up this morning to no hot water in the house. 😳 The hot water heater kept tripping the circuit breaker. Was able to get an electrician out this afternoon to fix it. The payment came out of the money from my mom, so no money out of pocket for me. On another positive note, I sold one recent posting on Marketplace this afternoon, and have three more sales lined up this weekend. That’s in addition to my regular side hustle tomorrow. All in all, not bad. 👍
I heard this quote in a song the other day and it really hit me. This month has been the worst month for us financially and it’s not even over yet. ⠀⠀
Wherever you are in your debt free journey, just remember somethings are not meant to be perfect. Some months you will be able to put more to debt than others. It’s okay. Your debt free journey might take a little longer than others. It’s okay.
You are meant to be where your suppose to be. Everything is already part of a plan.
I had to go to my mom’s house after work yesterday (which is on the other side of town from where I work). So driving home, I had to drive past all of the fast food restaurants in town. It was late and I was really hungry, but I drove straight home and ate the food I had there. A small win, but I’m proud of myself. 😁
I've always known that I was a little different when it came to how I viewed money or managed our household finances. It was something that I was uncomfortable with early on. I didn't share much with others and felt very alone in this part of my life.
Then, I found Amy Dacyczyn, the author of the book "The Tightwad Gazette" and I realized that there were others out there like myself. I gained confidence and started sharing some of my frugal living tips and tricks with others. People still looked at me funny, and I'm sure laughed behind my back, but I was so much more confident that I was doing good things for my family and our future.
Several year later, we found ourselves with a mountain of credit card debt (not of our doing - but that's for another post) plus a truck loan and a mortgage, and we started digging out of all those debts even with naysayers telling us it was impossible to do. Then I discovered Dave Ramsey, and I felt like I had a place where I really fit in. Being able to openly share experiences with money, both successes and failures, was life changing!
We were able to overcome $150k in debt in just 4 years. It can be done!
Turns out, the thing that made me weird really was a huge asset. Who would have guessed?
WINE WEDNESDAY: A Little Holiday in the Middle of the Week!
Lately, I've been feeling down, like there's not enough money to do what I want and I'll never be #debtfree. So, I thought I'd make myself feel better by listing some of my accomplishments so far! In less than a year, I:
*Haven't overdrawn my bank account once AND can still pay my bills on time- no more shuffling! *Paid for half a divorce and all the subsequent costs associated with changing my name back *Started paying my student loans again *Paid for Binx's emergency surgery
*Finished baby step 1
*Cash flowed several large purchases (a TV, a ticket to Disney World, passport renewal fee, YNAB annual fee, Air Pods) *Saved $350 toward a major vacation I want to take next year
*Cleared some room on my credit cards and paid one off entirely- no more over limit and maxed out cards! Plus, I've only been decreasing the balances, not adding to them.
I'm proud of what I've done so far, especially when I consider that I've done it all while adjusting to only one income. The journey is long and I'm just at the beginning, but look at what I can do when I focus my energy. #dfc#debtfreecommunity#debtfreejourney#debtfreegoals#budgetlife#lifeonabudget#personalfinance#personalgrowth
#Mumguilt post -
I love being able to spend this time with my son and I know as he gets older, he’ll be off out with friends and I’ll hardly see him.
But, I’ve had horrible mum guilt for the last week and a half. It’s been that bad that my eye started twitching 😂 and that’s when I know I’m stressed. -
I just think he deserves a holiday. He deserves to go to the beach and get a fancy cocktail with umbrellas in. -
I should be able to do this for him, I should be able to go on a day trip without worrying or counting the pennies! -
Money has been a lot better since I started budgeting, I’m in a much better place financially. I just think I’m more aware of how much it will cost and where that money is coming from. -
I have had a weekly fun budget for the summer and we’ve completed a fair bit from our summer bucket list.
I’ve just really felt like I should be doing more! -
He’s said he’s loved having a chilled summer, decorating the new house, playing in the garden & having friends over.
Maybe I’m just putting too much pressure on myself but I do know that we’ll be having a day out next week 😂. That way I’ll feel like we’ve been somewhere further than the supermarket!! -
Tomorrow I’ll be posting our summer bucket list so you’ll be able to see all the free/cheap activities that we have done so far!
Have you found the right balance over the summer so far?