#stickingtoabudget

529 posts

Memes. Don't. Lie.

Especially when I will eat whatever is free ๐Ÿ˜‚
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #cookathome #slowandsteady #snackplate #foodathome #memesdontlie #foodmemes #eatforfree #foodie #catmemes #cheap #babystep2

Memes. Don't. Lie. Especially when I will eat whatever is free ๐Ÿ˜‚ . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #cookathome #slowandsteady #snackplate #foodathome #memesdontlie #foodmemes #eatforfree #foodie #catmemes #cheap #babystep2 - 18 hours ago

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$25.01 and Lidl is giving me new life ๐Ÿ˜ The 2nd picture is everything I got for free from people in my life who know how cheap I am and will do anything to save a buck ๐Ÿ˜‚๐Ÿ˜‚
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I've complained about my Aldi on here before. The shopping center that it's in is terrible, the parking sucks and the flow of traffic is just not good. Druggies beg for your quarters and I just hate going there. They recently opened up a Lidl 500 yards away but it's its own building and is so much cleaner and more organized in my opinion. I love it!

One the menu is beef stew for the first half of the week (I already had everything for that meal), free meals from cheer moms for the 2nd half ๐Ÿ˜‚. Lunch is chicken salad, crackers, celery/carrots, and yogurt. Breakfast oatmeal or waffles I already have. I also might boil some eggs. I must confess the chicken salad is from Aldi because I love it so much and it's Aldi specific.
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #mealprep #debtfreegoals #sundaymealprep #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #mealplanning #makingprogress #cookathome #groceryhaul #grocerygirl #groceryshopping #icook #healthyrecipes #freshfoods #homecookedmeals #freshingredients #freshrecipes #foodstagram #lidl

$25.01 and Lidl is giving me new life ๐Ÿ˜ The 2nd picture is everything I got for free from people in my life who know how cheap I am and will do anything to save a buck ๐Ÿ˜‚๐Ÿ˜‚ . I've complained about my Aldi on here before. The shopping center that it's in is terrible, the parking sucks and the flow of traffic is just not good. Druggies beg for your quarters and I just hate going there. They recently opened up a Lidl 500 yards away but it's its own building and is so much cleaner and more organized in my opinion. I love it! One the menu is beef stew for the first half of the week (I already had everything for that meal), free meals from cheer moms for the 2nd half ๐Ÿ˜‚. Lunch is chicken salad, crackers, celery/carrots, and yogurt. Breakfast oatmeal or waffles I already have. I also might boil some eggs. I must confess the chicken salad is from Aldi because I love it so much and it's Aldi specific. . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #mealprep #debtfreegoals #sundaymealprep #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #mealplanning #makingprogress #cookathome #groceryhaul #grocerygirl #groceryshopping #icook #healthyrecipes #freshfoods #homecookedmeals #freshingredients #freshrecipes #foodstagram #lidl - 2 days ago

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โœจ fuzzy find โœจ
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Spotted at @urbanoutfitters ๐Ÿ˜
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#happytuesday #tuesday #tuesdayvibes #tuesdaymood #tuesdaynight #champion #fuzzy #fleecepullover #pullover #fallfind #sweaterweather #bundleup #keepwarm #coldnights #autumnbreeze #atthemall #windowshopping #wellnessjourney #stickingtoabudget #justlooking

โœจ fuzzy find โœจ . . . Spotted at @urbanoutfitters ๐Ÿ˜ . . . #happytuesday #tuesday #tuesdayvibes #tuesdaymood #tuesdaynight #champion #fuzzy #fleecepullover #pullover #fallfind #sweaterweather #bundleup #keepwarm #coldnights #autumnbreeze #atthemall #windowshopping #wellnessjourney #stickingtoabudget #justlooking - 6 days ago

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I don't actually do this, and my best friend and I love doing "refrigerator lunches" in the summer where we just combine our already opened food...but it's funny ๐Ÿ˜‚
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #slowandsteady #mealplanning #babystep2 #emergerncyfund #dfc #financialfreedom #financialindependence #budget #studentloandebt #foodathome #FinancialDomination #moneymemes

I don't actually do this, and my best friend and I love doing "refrigerator lunches" in the summer where we just combine our already opened food...but it's funny ๐Ÿ˜‚ . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #slowandsteady #mealplanning #babystep2 #emergerncyfund #dfc #financialfreedom #financialindependence #budget #studentloandebt #foodathome #FinancialDomination #moneymemes - 7 days ago

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Recently, several big named people in the debt free community hit major milestones. That combined with people in my real life going on vacations, etc. I just felt like I was, not missing out, but moving too slowly in my journey. If you remember, I even did a post on it.

However, I gave myself a pep talk and got to work. I think I got a 2nd wind for the first year of my journey and I'm so excited to live it out the rest of this year. 
I'm going to the Smoky Mountains on October 17th, so these 5 weekends before I go I've deemed "no spend." This weekend I did some very deep cleaning, and a lot of cooking.

I prepped spinach taco salads for lunch, made a sausage cream cheese casserole for breakfasts, and made cupcakes with old stuff I've had in my cabinets for a LONG time! Tomorrow I'll make bag n' season chicken for Mon-Wed dinner and I get dinner provided Thursday and Friday. Next Saturday I'll start all over.

I really am trying to practice contentment because there are a ton of things I need to do around my house. My yard could use some attention too. Not only will I save a ton of money but I think this is God's way of telling me to appreciate and take care of what I have and to not ignore doing these things for so long.
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #zerospend #debtfreegoals #contentmentchallenge #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #cookathome #babystep2 #sundaymealprep #mealprep #eatathome #savemoney #frugalmeals #healthymealprep #mealprepping #mealpreprecipes #budgetmeals #livingthatbudgetlife

Recently, several big named people in the debt free community hit major milestones. That combined with people in my real life going on vacations, etc. I just felt like I was, not missing out, but moving too slowly in my journey. If you remember, I even did a post on it. However, I gave myself a pep talk and got to work. I think I got a 2nd wind for the first year of my journey and I'm so excited to live it out the rest of this year. I'm going to the Smoky Mountains on October 17th, so these 5 weekends before I go I've deemed "no spend." This weekend I did some very deep cleaning, and a lot of cooking. I prepped spinach taco salads for lunch, made a sausage cream cheese casserole for breakfasts, and made cupcakes with old stuff I've had in my cabinets for a LONG time! Tomorrow I'll make bag n' season chicken for Mon-Wed dinner and I get dinner provided Thursday and Friday. Next Saturday I'll start all over. I really am trying to practice contentment because there are a ton of things I need to do around my house. My yard could use some attention too. Not only will I save a ton of money but I think this is God's way of telling me to appreciate and take care of what I have and to not ignore doing these things for so long. . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #zerospend #debtfreegoals #contentmentchallenge #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #cookathome #babystep2 #sundaymealprep #mealprep #eatathome #savemoney #frugalmeals #healthymealprep #mealprepping #mealpreprecipes #budgetmeals #livingthatbudgetlife - 8 days ago

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Time for meal prep.  First thing first, grocery shopping.  Got my coupons ready, along with my menu and shopping list.  Woohoo!! ๐Ÿ“ ๐Ÿฅ˜ ๐Ÿ… 
#stickingtoabudget #singlemom #singlemomlife #mealprep #eatingorganic #eatingclean #sticktotheplan #nocheating #healthylifestyle #healthyfamilymeals #healthyfamily #busymomlife #couponcommunity #coupons

Time for meal prep. First thing first, grocery shopping. Got my coupons ready, along with my menu and shopping list. Woohoo!! ๐Ÿ“ ๐Ÿฅ˜ ๐Ÿ… #stickingtoabudget #singlemom #singlemomlife #mealprep #eatingorganic #eatingclean #sticktotheplan #nocheating #healthylifestyle #healthyfamilymeals #healthyfamily #busymomlife #couponcommunity #coupons - 8 days ago

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Super excited about this Aldi haul!! My bill was $30 but I had a $5 off $30 purchase so $25 total! My original total was a little under $22 so I did spend the extra $3 to get me to $25 since that would have been my total after the coupon anyway, if that makes sense.

You should have seen me walking around trying to spend $8. That's a lot of money in Aldi food! I walked down every single aisle and debated what I wanted to use it on. Should I get meat? Should I stock up on dry-goods? Should I get something I wouldn't normally let myself buy?

Ultimately I did a little bit of everything. I got some juice for breakfast, some black beans to have on hand, and stew meat to use for next week's meal. I'm using the carrots and potatoes for this week's meal and I know I won't use them all so I can make kind of the same meal next week but with stew.

On the menu to prep tomorrow is sausage and cream cheese casserole for breakfast, taco salads with all these amazingly fresh ingredients for lunches, and bag n' season chicken with potatoes, carrots, and green beans for dinners. Tonight and tomorrow is brats, mac and cheese, and broccoli. Total win this week!!!!
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #mealprep #debtfreegoals #sundaymealprep #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #mealplanning #weeklymealprep #cookathome #groceryhaul #grocerygirl #groceryshopping #icook #healthyrecipes #freshfoods #homecookedmeals #freshingredients #aldilife #foodstagram #aldihaul

Super excited about this Aldi haul!! My bill was $30 but I had a $5 off $30 purchase so $25 total! My original total was a little under $22 so I did spend the extra $3 to get me to $25 since that would have been my total after the coupon anyway, if that makes sense. You should have seen me walking around trying to spend $8. That's a lot of money in Aldi food! I walked down every single aisle and debated what I wanted to use it on. Should I get meat? Should I stock up on dry-goods? Should I get something I wouldn't normally let myself buy? Ultimately I did a little bit of everything. I got some juice for breakfast, some black beans to have on hand, and stew meat to use for next week's meal. I'm using the carrots and potatoes for this week's meal and I know I won't use them all so I can make kind of the same meal next week but with stew. On the menu to prep tomorrow is sausage and cream cheese casserole for breakfast, taco salads with all these amazingly fresh ingredients for lunches, and bag n' season chicken with potatoes, carrots, and green beans for dinners. Tonight and tomorrow is brats, mac and cheese, and broccoli. Total win this week!!!! . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #mealprep #debtfreegoals #sundaymealprep #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #mealplanning #weeklymealprep #cookathome #groceryhaul #grocerygirl #groceryshopping #icook #healthyrecipes #freshfoods #homecookedmeals #freshingredients #aldilife #foodstagram #aldihaul - 9 days ago

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My $16 Lidl haul. We recently got a Lidl and I'm hooked. I do love Aldi but it's in a stupid end of my town. Heroine addicts ask for your quarters and the parking lot needs redone BAD.

Yes this is for the week. I have a ton of meat and am tight on money until my paychecks get situated so here we are!

On the menu to make for this week is spaghetti, egg salad, and chili. PB&J for lunch when the egg salad runs out and cheer moms will feed me dinner Friday ๐Ÿ˜‚

I tried to go plastic-baggieless and did great over the summer but now that I'm packing my lunch I just can't keep up with the dishes. Still paper plateless though โœŠ
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #mealprep #debtfreegoals #sundaymealprep #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #mealplanning #makingprogress #cookathome #groceryhaul #grocerygirl #groceryshopping #icook #healthyrecipes #freshfoods #homecookedmeals #freshingredients #freshrecipes #foodstagram #newgoals

My $16 Lidl haul. We recently got a Lidl and I'm hooked. I do love Aldi but it's in a stupid end of my town. Heroine addicts ask for your quarters and the parking lot needs redone BAD. Yes this is for the week. I have a ton of meat and am tight on money until my paychecks get situated so here we are! On the menu to make for this week is spaghetti, egg salad, and chili. PB&J for lunch when the egg salad runs out and cheer moms will feed me dinner Friday ๐Ÿ˜‚ I tried to go plastic-baggieless and did great over the summer but now that I'm packing my lunch I just can't keep up with the dishes. Still paper plateless though โœŠ . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #mealprep #debtfreegoals #sundaymealprep #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #mealplanning #makingprogress #cookathome #groceryhaul #grocerygirl #groceryshopping #icook #healthyrecipes #freshfoods #homecookedmeals #freshingredients #freshrecipes #foodstagram #newgoals - 15 days ago

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๐Ÿ™Œ๐Ÿผ So excited to save another $200 this year on our electric & gas bill!
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This is the budgeted amount that our utility company allows us to pay each month, so we donโ€™t have a shocking bill after a Polar Vortex or a heatwave.
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About 2 years ago, we replaced our originals windows (from 1938!) and our bill dropped from $159/mo. to $145/mo.  I can give the credit for this recent drop in our bill to our #Nest thermostat my husband installed last year.  At the time, I wasnโ€™t too keen on spending the money for the thermostat, but there was a $100 rebate from our utility company, and now I see it just paid for itself in a few short months.
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#frugal #frugalliving #budget #budgeting #budgets #debtfreegoodlife #debtfreecommunity #debtfreejourney #daveramsey #cashisking #livelikenooneelse #stickingtoabudget #nestthermostat #savingmoney

๐Ÿ™Œ๐Ÿผ So excited to save another $200 this year on our electric & gas bill! . This is the budgeted amount that our utility company allows us to pay each month, so we donโ€™t have a shocking bill after a Polar Vortex or a heatwave. . About 2 years ago, we replaced our originals windows (from 1938!) and our bill dropped from $159/mo. to $145/mo. I can give the credit for this recent drop in our bill to our #Nest thermostat my husband installed last year. At the time, I wasnโ€™t too keen on spending the money for the thermostat, but there was a $100 rebate from our utility company, and now I see it just paid for itself in a few short months. . . . #frugal #frugalliving #budget #budgeting #budgets #debtfreegoodlife #debtfreecommunity #debtfreejourney #daveramsey #cashisking #livelikenooneelse #stickingtoabudget #nestthermostat #savingmoney - 16 days ago

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Good morning!
Yesterday I felt like hitting the mall and spending monnnneyyyyyy. Then I reflected on my goals and the purpose of my financial journey.

If someone is struggling to stick to their budget today remember you are not alone. You are not a failure if you keep trying.

When you feel like quitting remember why you started!  #Genx #BudgetBasics #BudgetHelp #FinancialHelp #FinancialLiteracy #financialfreedom #moneymanagement #financiallyfit #savingshelp #millennialmoney #SaveMoney #Budget #budgeting #budgetingtips #savingsplan #christmassavings #personalfinance #blackwomen #moneytipsforwomen #moneytipsformen #moneytipsformillennials #thestruggle #stickingtoplan #stickingtoabudget

Good morning! Yesterday I felt like hitting the mall and spending monnnneyyyyyy. Then I reflected on my goals and the purpose of my financial journey. If someone is struggling to stick to their budget today remember you are not alone. You are not a failure if you keep trying. When you feel like quitting remember why you started! #Genx #BudgetBasics #BudgetHelp #FinancialHelp #FinancialLiteracy #financialfreedom #moneymanagement #financiallyfit #savingshelp #millennialmoney #SaveMoney #Budget #budgeting #budgetingtips #savingsplan #christmassavings #personalfinance #blackwomen #moneytipsforwomen #moneytipsformen #moneytipsformillennials #thestruggle #stickingtoplan #stickingtoabudget - 16 days ago

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So proud of hubby he has just started his new secondment and had his new pay confirmed which means a payrise of another $34k per year!! ๐Ÿ˜ฑ๐Ÿ’ฐ๐Ÿ˜Š only downside is he goes from fortnightly to monthly pay but we can live with that ๐Ÿ’•#payrise #newjob #debtfreecommunity #debtfreecommunityaustralia #debtfreejourney #budgetplanner #stickingtoabudget #nospend #proudwife #weneedtosticktoabudget

So proud of hubby he has just started his new secondment and had his new pay confirmed which means a payrise of another $34k per year!! ๐Ÿ˜ฑ๐Ÿ’ฐ๐Ÿ˜Š only downside is he goes from fortnightly to monthly pay but we can live with that ๐Ÿ’•#payrise #newjob #debtfreecommunity #debtfreecommunityaustralia #debtfreejourney #budgetplanner #stickingtoabudget #nospend #proudwife #weneedtosticktoabudget - 19 days ago

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Something I didn't think would happen 10 months in to my journey is another breaking point.

I found out how much my check was going to be on Friday, and it was $100 less than I thought. After some investigating and speaking with payroll, I found my error. Apparently I'm really bad at understanding how our payroll works. However, now I'm making $200 a month less than what I thought. I subtracted all my bills and gas and grocery money from this paycheck and realized I was $100 under.

I broke down and sobbed because I didn't understand why this was still happening to me. I spent some money this Labor Day weekend on things I needed for school, like two new pairs of pants and underwear.

After I cried I sat back and decided to see what was going on. I looked through my bank account and added up that I had spent almost $250 since mid-july until now on eating out. I really had no idea I had gotten this out of control. I always cook dinner so guess what that money was? Many, many $5 stops at Dunkin Donuts and McDonald's.

So I wiped my tears, ate food for lunch I almost threw away, and gathered up the pants and underwear and returned them (still had tags on) for $60 more in my account. Then, I went to get a free pedicure thanks to a gift certificate.

While I have made some progress, and changed a lot of habits, I am NOT trying hard enough. I've never done cash envelopes but I think for gas and groceries I might give it a try. I need to put real effort in to this journey if I ever want to come out the other side.

One of my favorite quotes: "To get something you've never had you have to do something you've never done."
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #slowandsteady #contentment #babystep2 #emergerncyfund #dfc #transparency #thisishard #moreeffort #bigchanges #debtsnowball #intentionalliving #beintentional

Something I didn't think would happen 10 months in to my journey is another breaking point. I found out how much my check was going to be on Friday, and it was $100 less than I thought. After some investigating and speaking with payroll, I found my error. Apparently I'm really bad at understanding how our payroll works. However, now I'm making $200 a month less than what I thought. I subtracted all my bills and gas and grocery money from this paycheck and realized I was $100 under. I broke down and sobbed because I didn't understand why this was still happening to me. I spent some money this Labor Day weekend on things I needed for school, like two new pairs of pants and underwear. After I cried I sat back and decided to see what was going on. I looked through my bank account and added up that I had spent almost $250 since mid-july until now on eating out. I really had no idea I had gotten this out of control. I always cook dinner so guess what that money was? Many, many $5 stops at Dunkin Donuts and McDonald's. So I wiped my tears, ate food for lunch I almost threw away, and gathered up the pants and underwear and returned them (still had tags on) for $60 more in my account. Then, I went to get a free pedicure thanks to a gift certificate. While I have made some progress, and changed a lot of habits, I am NOT trying hard enough. I've never done cash envelopes but I think for gas and groceries I might give it a try. I need to put real effort in to this journey if I ever want to come out the other side. One of my favorite quotes: "To get something you've never had you have to do something you've never done." . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #slowandsteady #contentment #babystep2 #emergerncyfund #dfc #transparency #thisishard #moreeffort #bigchanges #debtsnowball #intentionalliving #beintentional - 19 days ago

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Are you a spontaneous spender? ๐Ÿ’ธ๐Ÿ’ธ๐Ÿ’ธ It's okay, so was I before I was given the tools I needed to budget... and actually stick to it!

Call me today and I can show you how to effectively budget so that you can save more and live debt free!

Sounds nice, right? Let's talk! 660-537-4061
๐Ÿ’ป http://bit.ly/KaraundaFrederick

Are you a spontaneous spender? ๐Ÿ’ธ๐Ÿ’ธ๐Ÿ’ธ It's okay, so was I before I was given the tools I needed to budget... and actually stick to it! Call me today and I can show you how to effectively budget so that you can save more and live debt free! Sounds nice, right? Let's talk! 660-537-4061 ๐Ÿ’ป http://bit.ly/KaraundaFrederick - 19 days ago

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No point in this post except to introduce you to my best friend, Jazz. We both have red hair and even though I am a music teacher, ironically, his name was already Jazz before I adopted him. So of course I kept it!!
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #slowandsteady #mealplanning #babystep2 #emergerncyfund #dfc #summer2019 #catsofinstagram #debtfreecats #gingercat #gingercatsrock #gingercats #thejazzcat

No point in this post except to introduce you to my best friend, Jazz. We both have red hair and even though I am a music teacher, ironically, his name was already Jazz before I adopted him. So of course I kept it!! . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #slowandsteady #mealplanning #babystep2 #emergerncyfund #dfc #summer2019 #catsofinstagram #debtfreecats #gingercat #gingercatsrock #gingercats #thejazzcat - 20 days ago

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Iโ€™ve set some goals for myself for the month of September:
๐Ÿ”นFinancial:  Pay off our REI credit card, and pay at least $100 extra on our Forester loan to help get it paid off by June next year (and not August!)
๐Ÿ”นHome:  Purge or Sell 1 item each day of September.  Reclaim the basement storage room, specifically parting with a few pieces of furniture. ๐Ÿ”นCareer:  Due to a co-workerโ€™s illness, Iโ€™ve been asked to take on some additional job duties in a different department.  I should take these in stride, and look at it as an opportunity to add new experiences to my resume.
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#septembergoals #goalsetting #debtfreecommunity #debtfreejourney #debtfree #frugalliving #frugal #financialfreedom #daveramsey #cashisking #livelikenooneelse #budget #budgeting #stickingtoabudget

Iโ€™ve set some goals for myself for the month of September: ๐Ÿ”นFinancial: Pay off our REI credit card, and pay at least $100 extra on our Forester loan to help get it paid off by June next year (and not August!) ๐Ÿ”นHome: Purge or Sell 1 item each day of September. Reclaim the basement storage room, specifically parting with a few pieces of furniture. ๐Ÿ”นCareer: Due to a co-workerโ€™s illness, Iโ€™ve been asked to take on some additional job duties in a different department. I should take these in stride, and look at it as an opportunity to add new experiences to my resume. . . . #septembergoals #goalsetting #debtfreecommunity #debtfreejourney #debtfree #frugalliving #frugal #financialfreedom #daveramsey #cashisking #livelikenooneelse #budget #budgeting #stickingtoabudget - 22 days ago

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Not good but I knew that was going to be the case. The good news is, in January my minimums were much higher than $494 so that's cool.

Both my raises will be on my September 6th check and starting September 20th I'll have my new base salary along with any subbing and extra hours I submit. Hoping for a NET increase of about $500 per month and then my 3 paycheck months are November/May. Jealous of you guys that are August/January those would be more convenient LOL.

My original goal was $9,600 to debt this year but I think I'm realistically looking at $8,500. Maybe $9,600 is still possible...it depends on a lot of things!
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #debtsucks #slowandsteady #debtsnowball #debtavalanche #moneymoves #debttracker #minimumpayments #sinkingfunds #monthlypayments #cashflow #babystep2 #smallincome #financialfreedom

Not good but I knew that was going to be the case. The good news is, in January my minimums were much higher than $494 so that's cool. Both my raises will be on my September 6th check and starting September 20th I'll have my new base salary along with any subbing and extra hours I submit. Hoping for a NET increase of about $500 per month and then my 3 paycheck months are November/May. Jealous of you guys that are August/January those would be more convenient LOL. My original goal was $9,600 to debt this year but I think I'm realistically looking at $8,500. Maybe $9,600 is still possible...it depends on a lot of things! . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #debtsucks #slowandsteady #debtsnowball #debtavalanche #moneymoves #debttracker #minimumpayments #sinkingfunds #monthlypayments #cashflow #babystep2 #smallincome #financialfreedom - 22 days ago

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Made almost $50 at my family's annual Labor Day yard sale today. It felt so nice to get rid of some junk! The only stuff I sold was clothes, jewelry, and knick knacks so I feel like that's pretty good!

Tbh I spent some of it on food at a local pride days my little town does every Labor Day weekend. The rest...idk. I never leave school early enough to get to the bank so I might use it at the grocery store tomorrow.
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #yardsale #declutter #decluttering #minimalism #mariekondo #declutteringmylife #decluttermylife #contentment #dfj #babystep2 #summer2019 #laborday #familytime #junkbegone

Made almost $50 at my family's annual Labor Day yard sale today. It felt so nice to get rid of some junk! The only stuff I sold was clothes, jewelry, and knick knacks so I feel like that's pretty good! Tbh I spent some of it on food at a local pride days my little town does every Labor Day weekend. The rest...idk. I never leave school early enough to get to the bank so I might use it at the grocery store tomorrow. . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #yardsale #declutter #decluttering #minimalism #mariekondo #declutteringmylife #decluttermylife #contentment #dfj #babystep2 #summer2019 #laborday #familytime #junkbegone - 23 days ago

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Getting ready for September! I donโ€™t have cute cash envelopes since I am on a budget! But once I have ๐Ÿ’ฐ to spare I will get some! Pretty excited for September because it will require a lot of dedication from my part to stick to my budget! I will really need to make a meal plan for the week and stick to it! Wish me luck! ๐Ÿคž๐Ÿผ .
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#stickingtoabudget #cashenevelopes #debtfreejourney #followmeonmyjourney #letsbefinanciallyfree #debtfree  #debt #debtsnowball #debtadvise #debtjourney #budgetplanner #budgetsheet #budget 
#debtfreecommunity #thedebtfreemamaโœŒ๐Ÿผ

Getting ready for September! I donโ€™t have cute cash envelopes since I am on a budget! But once I have ๐Ÿ’ฐ to spare I will get some! Pretty excited for September because it will require a lot of dedication from my part to stick to my budget! I will really need to make a meal plan for the week and stick to it! Wish me luck! ๐Ÿคž๐Ÿผ . . #stickingtoabudget #cashenevelopes #debtfreejourney #followmeonmyjourney #letsbefinanciallyfree #debtfree #debt #debtsnowball #debtadvise #debtjourney #budgetplanner #budgetsheet #budget #debtfreecommunity #thedebtfreemama โœŒ๐Ÿผ - 24 days ago

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Homemade pizza and wedges ๐Ÿ˜‹ #stickingtoabudget #frugal #frugalliving

Homemade pizza and wedges ๐Ÿ˜‹ #stickingtoabudget #frugal #frugalliving - 26 days ago

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Wanted Chinese. Settled for a snack plate (plus hummus and chips).
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#debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #cookathome #slowandsteady #snackplate #foodathome #foodcolor #foodstagram #snacksfordinner #dfc #dfj #noeatingout #staystrong #savemoney

Wanted Chinese. Settled for a snack plate (plus hummus and chips). . . . #debtfreecommunity #debtfreejourney #debtpayoff #debtpayment #debtpaid #debtfreegoals #debtisdumb #debtfreeliving #singledebtfreejourney #singledebtfreecommunity #livingfrugal #frugalliving #teamtinyshovel #teacherlife #budgetlife #stickingtoabudget #changingmymindset #makingprogress #cookathome #slowandsteady #snackplate #foodathome #foodcolor #foodstagram #snacksfordinner #dfc #dfj #noeatingout #staystrong #savemoney - 30 days ago

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