The holiday weekend is over. Have you checked in with your budget? My weekly budget check consists of these steps. 1. Review my bank accounts. 2. Update my cash envelope ledgers. 3. Log bills & expenses in my budget binder. 4. Clean out my “weekend” wallet receipts. 5. Review my living expenses budget & make sure I’m sticking to it. What does your routine look like? #budgetnerd #cashbudget #debtfree #artofbudgeting
🔵🔵🔵🔵🔵🔵🔵🔵🔵 That’s a wrap on Year 4! Again… so hard to believe how the years go by. We were able to complete one more circle on our chart, AND also complete the entire first column on the balance count down! It’s hard to know what we’re “on track” to do, what to shoot for as a goal for each year or for payoff because our life is in this transition time. But that’s ok!!! 😄 🟣 🟢 🟠 🔵 One day at a time, life is a journey. #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay #lifeisajourney #gettingreadyforbaby
Over the past 15 years, I’ve been sharing budgeting tips on my website www.abowlfulloflemons.com. The year 2011 was a pivotal point in my life. I interviewed & learned life changing information from financial guru Dave Ramsey and in 2017 we finally became debt free. I’ve gained so much knowledge throughout the years and now I’m ready to put it all to work. I am thrilled to announce the launch of my brand new business The Art of Budgeting. Through my new brand, I’ll be offering budget coaching, creating custom household budgets, and printable budgeting tools, to help you succeed with money. I’ll also share budgeting motivation. To see all things budgeting & finances, follow me here on my new instagram account @artofbudgeting. If you’re a budget nerd like me or need help organizing your finances, visit www.theartofbudgeting.com. I’ll be opening up coaching spots each month, so be sure to subscribe to the website to get an email when this happens. (I just opened May spots). I’ve already completed custom budgets for several subscribers in April and the feedback has been wonderful. I’m excited to see where this new journey takes me and I would love for you to join me on this adventure. #artofbudgeting #budgetnerd #debtfree #financialfreedom #budgeting #budgetprintables
Over the past 15 years, I’ve been sharing budgeting tips on my website www.abowlfulloflemons.com. The year 2011 was a pivotal point in my life. I interviewed & learned life changing information from financial guru Dave Ramsey and in 2017 we finally became debt free. I’ve gained so much knowledge throughout the years and now I’m ready to put it all to work. I am thrilled to announce the launch of my brand new business The Art of Budgeting. Through my new brand, I’ll be offering budget coaching, creating custom household budgets, and printable budgeting tools, to help you succeed with money. I’ll also share budgeting motivation. To see all things budgeting & finances, follow me over at my new instagram account @artofbudgeting. If you’re a budget nerd like me or need help organizing your finances, visit www.theartofbudgeting.com. I’ll be opening up coaching spots each month, so be sure to subscribe to the website to get an email when this happens. (I just opened May spots). I’ve already completed custom budgets for several subscribers in April and the feedback has been wonderful. I’m excited to see where this new journey takes me and I would love for you to join me on this adventure. #artofbudgeting #budgetnerd #debtfree #financialfreedom #budgeting #budgetprintables
I offer a wide range of budgeting plans to fit your needs. From creating a basic easy to follow household budget, to a complete budget overhaul with 1 on 1 coaching, there is something for everyone. I also offer budgeting printables, to help get you organized and on track to a debt free life. More to come soon! #debtfree #budgetnerd
Growing my own crops helped me save 62% on my grocery bill. #budgetnerd
Having a budget has blessed our family in so many ways! One of which is being able to cover a shattered rear view mirror due to an unfortunate collision with the garage door. 🤦♀️🤷♀️ Life and mistakes happen! Yay for great playroom for the kids while Toyota of Denton fixes it! Thanks for the great service! #lifecoach #youneedabudget #ynabcoach #financecoach #lifcoachingforcatholics #alwayshaveaplan #budgetnerd #rollwiththepunches #toyotasienna #toyotadriverforlife
🔵🔵🔵🔵🔵🔵🔵🔵One MORE, once again!! In our last month of year 4!! Crazy how time and life go so fast 💨 But I can’t wait to celebrate with our annual pepperoni pizza at the end of this month! 🟣🟢🟠🔵 We moved into our house with one old white cat. Then we adopted two silly boxer dogs. Then our cat became sick and he passed away, an experience I’ll never forget. Then 8 days later our little orange tabby cat came o to our lives. 🐈 Now, as we are embarking on our 5th year making our house a home, we will be welcoming our first little Baby into our family, and we couldn’t be happier! Praying for her everyday for God to keep her safe and healthy, and we can’t wait to meet her!!! One day at a time, life is a journey. #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay #lifeisajourney #gettingreadyforbaby
One thing my clients struggle with before they work with me is creating a routine to manage their money. They don't make the time to look at what's going on so when they finally do, there is SO MUCH to look at they get overwhelmed and slam the screen shut. I help them break it down, and create a simple manageable system to track, anticipate, and maintain a supportive financial life. If that is something you're needing help with - reach out! You don't have to struggle anymore! I have a bunch of clients that are Entrepreneurs, aka they have a TON of stuff going on, and they are their own boss so no one is holding them accountable except themselves. It's so easy to let things slide, including your finances, and wake up and it to be time for taxes and your staring down at a box (or inbox!) of receipts to be categorized and the overwhelm creeps in. This is why I made Money Monday a thing over here once a month. In addition to my own business finances I am also the treasurer of not one but TWO non profit groups 🤣🤣🤣 and if I don't keep up on my stuff, I really dislike myself later. One thing that really helps me is creating a routine, putting it on the calender, and just getting it done. The first monday a month is always Money Monday and this is exactly what I do. - Categorize any transactions from the month before - Attach/Store receipts for each transaction - Check out my budget categories, evaluate where I'm at and make any necessary adjustments to my budget. The common thoughts I hear people share about their struggles with their finances is that it's going to be too hard & it takes too much time. Guys, doing it this way takes just 20 mins (for each "business" for me) a month, maybe a week depending on how many transactions I have and the me getting ready to file taxes or make a big business decision LOVES ME for putting a little time aside to keep up with it throughout the year. What do you think? Could Money Monday's be helpful for you? #tranquilfinancecoaching #financiallifecoach #lifecoach #intentionalfinance #stressless #moneymanagementtips #goals #budgetnerd #intentionalspending #intentionalliving #entrepreneur #yourwelcome #moneymonday
🔵🔵🔵🔵🔵🔵🔵 One MORE than before!! As we are approaching the end of another full year living in our house and making it a HOME 🏡 we are pulled along in the thought and motivation that this fun chart brings— to pay down our mortgage a little bit at a time. It seems like a small amount in terms of how much we still have to go yet, but still we know that every little bit COUNTS! To know how we have done this for these four years— yes we for sure started out our marriage in a much different spot than where we are now in terms of our income level, and also our debt and life situation. But we have consistently and systematically added to the EXTRA amount we pay down on our mortgage principal with each new calendar year. Nobody likes doing taxes, but when we do get them done, I’m amazed at that number that shows our total household income, as it really does go up each year. I’m reminded of all the many ways that God has blessed us as we have followed Him in our lives. One day at a time, life is a journey. #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay
Have you ever thought about your dreams... Buying a house Retiring early Breaking your pay check to paycheck cycle Having more money that you knew what to do with.... and think to yourself Yeah it's POSSIBLE - some people do it... but it's not for me. I can't figure it out. I'll never be able to do that myself But let me tell you - THAT'S NOT TRUE! What do you think would need to happen in order for you to also have all of the things that you're dreaming of? If "Clean up my finances" is on that list I invite you to join me next TUESDAY, February 27th @ 11am PST, for my free monthly workshop where I teach you how to build a 0 based budget and answer all of your money questions! If you've already been going at it on your own and you're tired of stumbling through your finances book your free consultation to see how having an expert teach you the ins and outs of savvy money management can change your life! Link in my bio! #tranquilfinancecoaching #financiallifecoach #lifecoach #intentionalfinance #spendingplan #goals #moneymanagementtips #budgetnerd #familyfinances #momlife #familyfinance #budgeting #aĺwayslearning #budget
My client opened our session with "This month has been financially horrible in my business!" Gosh, I know how that feels. But the thing is....is it actually true? So we dug into the numbers and GUESS WHAT... They're actually half of the way (and halfway through this month) to the same number that they had last month which was an AWESOME month for them!!! But they didn't know because they didn't seek out the facts, they just went off how they feel... (which is another fun brain trick that shows us that its NEVER actually about the money, because you can have the same exact amount and one day you might be thinking its amazing and the next you'll think its terrible!) All this to say, our Brains are something else! Basically a toddler running around with scissors. Our job is to take those “scissors” out of our Brain's hands by giving them facts to make decisions instead of some vague sense of whatever is going on. So how do you so this? Question your thoughts! Don't just believe every thought that scampers through your head! There's a million of them! 90% of them are habit thoughts that you've practiced for a long time AND likely BS. If you are feeling really down about something, make sure to take a moment and ask yourself if what you're thinking is ACTUALLY true. Then ask yourself if anything else might be true... There is SO MUCH PEACE when you are more aware of what you're thinking! The other part of this is do you have the facts to give your brain? This is such an important piece and if you're not doing a budget or not tracking your spending it can be really hard to help yourself because you just don't have that info. But I can help you learn how to manage your finances so that you don't have to let that toddler run your life! And what do you get? PEAEC, facts, money that is managed simply and quickly and a way to track and create momentum on your goals. Let's do this! #tranquilfinancecoaching #financiallifecoach #lifecoach #intentionalthinking #onpurpose #intentionallife #budget #moneymanagementtips #budgetnerd #thoughtwork #familyfinances
We are halfway though the month! I seriously don't know where the time goes. It might be a good idea to check in with your budget now to see how the month is going. If, like mine, your income or expenses aren't what you thought they would be this month - don't loose heart! It's ok. It's life. What we don't want to do is to continue operating on our idealized plan because that is not going to set us up for success anymore. Do you want to make adjustments to what you plan to spend the rest of the month? Do you want to create a little more income? Do your goals need to take a seat for this month because LIFE has popped up? Great. Make those adjustments. If you skip this step and don't check in you might find yourself in a tight place later...maybe not this month, or this quarter, but maybe at the end of the year when you aren't where you thought you'd be again. Doing this work of making a budget, checking in on it, or paying attention to what you are spending) may feel overwhelming. I get it. It's totally normal in this world where we have not been taught how to effectively manage our money. But there is good news. I can help you! I teach my clients to manage their money with clean, efficient systems, and create the lasting habits so they can finally see the progress they want in their finances AND have less stress and drama about money. If you are ready to create that to send me a message. Let's not waste a single minute more! #tranquilfinancecoaching #budget #intentionalliving #financiallifecoach #lifecoach #intentionalfinance #spendingplan #moneymanagementtips #budgetnerd #intentionalspending #familyfinances
When your favorite budget software doubles as a cookie inventory tracker 🙌🙌🙌 If you don't use YNAB for your personal or business budget, it could come in handy for your girl scout cookie inventory tracking system too 🤪 I seriously love #YNAB so much! I recommend the software to my clients who are looking to track their spending. When we went from using the cash envelope system to using our debit cards for all of our puchases, MAN, it was so hard to know where in the world our money was actually going. When you've got cash envelopes, when the moneys gone its gone and thats it. Debit doesn't quite work like that! So we started using YNAB (You Need A Budget) to track our spending and savings and now I'm HOOKED. I especially love that I now have DATA to make decisions. What did we spend on Christmas last year? 2 Clicks later - here it is. How much does it cost to maintain 1 vehicle, should we get a second...Here you go! One perk of being my client is getting help setting it all up and expert guidance through the learning curve!!!! It took me 3 stabs to figure out this bad boy and support through the process would have saved me alot of frustration and gotten me my beautiful data alot quicker! #tranquilfinancecoaching #financiallifecoach #lifecoaches #FamilyFinance #BudgetingTips #SmartSaving #moneymanagementtips #savingsPlan #FinancialWellness #YNAB #ynabobsessed #budgetnerd
🔵🔵🔵🔵🔵🔵AND another one! …..maybe once we hit the seventh filled in, I’ll actually post it close to the time when we hit that number 🤣 “Life is a whirlwind at times.” That was my thought this morning, and really it can feel that way a lot of the time. Life and time just keeps going and I’m hurrying to catch up with it. But I want to enjoy the little things in life. I’m incredibly glad for the times in our life where we have growing pains. Maybe we don’t shout at each other or have a bad relationship by any means, but I know we aren’t perfect either. We can have times of frustration and times of misunderstanding or miscommunication. But we are learning and growing together each and every day. We can have good conversations about what’s going on and then figure out what we can do better or do differently. “…we need each other, through all the highs and lows.” #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay #sanctusreal #weneedeachother #throughallthehighsandlows
Did you know I’m kind of a budget nerd? I know this is the time of year that many agencies are taking a very close look at budgets and if you’re looking at ways to cut costs while providing outstanding client content, might I introduce you to someone? Hi, my name is Becky and I’ve built a budget-friendly, flexible social media option for #B2B marketing agencies and their clients. Use us as a stop-gap, for one-time packages or as ongoing social media support for your clients without having to hire a fulltime employee. Budget friendly, high quality and US based! Sound amazing? Start with link in bio.
Reminder of your end of the month YNAB routine! What wins did you have this month? Did you make progress towards your goals? Share your successes with me below! 👇🏻 #MoneyJourney #BudgetNerd #YNAB #TakeControlOfYourMoney #YNABCertifiedBudgetCoach #CertifiedMoneyCoach #FinancialEducationForWomen
My 2024 Financial Goals I had such a good year in 2023 with my finances so I want to bring my good habits into 2024 #budgetingaustralia #budgetmorespendless #money #budgetnerd #australiancashstuffers #auscashstuffers #australiancashstuffer #aussiebudget #finances #cashstuffing #cashstuffingsystem #cashenvelopewallets #cashstuffingaustralia
🔵🔵🔵🔵🔵 AND another one! My dream since buying our home has been to pay it off. Following God’s plan and will for our lives can be tough in the waiting season at times. Good things come to those who wait… and work hard sticking to a plan that works!!! I believe this one would have been passed with our mid-November extra principle payment!🏡 But sometimes life gets crazy and we still forget to fill it in right away and I don’t get the chance to make the post right away 🤪 Next one is just around the corner 😉 Let’s do this!!! One day at a time 🤗 #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay
This isn’t investing advice. Most people don’t know that they even have the option to not invest in weapons or big oil in order to invest for retirement. I simply want you to know your options so you can make the decision that best aligns with you. Let me know any questions you have in the comments. 👇🏽
I love these resolution suggestions for 2024 from @thebrokeblackgirl! Let’s keep things simple and realistic in 2024! "I'm a firm believer in the one percent rule – aiming to be just a tad better each day, especially in our finances. this list is not filled with big tasks, it’s filled with manageable steps that add up over time. Maybe save a bit more, check in on your debts, or read a short finance piece now and then. These small moves, following the one percent principle, quietly build a better financial picture." 📝 #debtfreecommunity #debtfreejourney #goals #newyeargoals #goalgetter #visionboard #goalsetting #goalkeeping #hustle #goaldigger #financialfreedom #budget #savings #budgetnerd #ballonabudget #financialpeace #debtfreemindset #loudbudgeting
Do you have any travel plans this holiday season? Traveling is high on my list of priorities so it definitely has a line in our budget! My husband and I will be staying mostly local but this first photo was earlier this month when we went to Delaware for his for marathon!! We were also finally able to get a photo to fit the state of Delaware for our @photomapsdotcom map! (Yes, I know we are missing a couple key states like PA! 🤣🤣 It's way harder to fit a photo into the shape of a state than you would think!!) Do you have any fun ways to commemorate your travels? Does your budget include a travel category? #Budgeting #PersonalFinances #IntentionalFinance #MoneyJourney #BudgetNerd #YNAB #TakeControlOfYourMoney #latergram #seekmoments #neverstoptravelling
Sometimes I can get down on myself thinking that I haven’t saved as much as I wanted to or made as much money as I wanted. I can also get frustrated that I still don’t own a home. The reality is that every single year I have made huge progress towards my personal and financial goals. In order to recognize that and continue to stay motivated on my journey I regularly document my wins, whether they are financial wins or personal wins. Seeing these wins gets me excited to keep going on my journey. I constantly tell myself if that if I could accomplish these things I can accomplish so much more. If you want help reaching your goals I am now signing people up for the next round of the @confidentmoneyclub which is my four month group coaching program where I support women and gender nonconforming folks in transforming their money mindset and getting all of the personal finance tools they need to confidently manage their money. Go to the link in my bio to learn more and get your application in. Let me know in the comments what is one goal from this past year you are proud of! 👇🏽
Tips to help you develop a realistic budget 💰✨ 1. 📅 Set Clear Goals: Define short-term and long-term financial objectives to guide your budget. 2. 💡 Know your income and expenses: Shine a light on where your money goes. Awareness is the first step to control! 3. 🚀 Set realistic goals: Set SMART goals for short-term and long-term success. 4. 📉 Make a plan: Trim the excess. Small changes add up, creating room for savings. 5. ⚖️ Emergency Fund: Build a financial safety net for unexpected expenses. Peace of mind is priceless! 6. 📊 Be flexible: Life evolves and unpredictable, and so should your budget. Regularly reassess and adapt. #loudbudgeting
🔵🔵🔵🔵 Added one more! From our mid-October extra principle payment!🏡 Next one is just around the corner 😉 Let’s do this!!! One day at a time 🤗 #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay
Truth bomb. 💣 Everyone should have one for any number of reasons: -Understand your spending habits -Track income -Track savings -Manage multiple accounts -And yes, tackle debt You Need A Budget YNAB is my preferred budgeting software that I teach to all of my clients. Here's what one of them has said about it: "The main thing YNAB has taught me is that we have enough money to survive, but it needs to be allocated properly to make a difference." If you're ready to take a look at your own finances, let's chat. Or give YNAB a try with the link in my bio! #budgeting #MoneyJourney #BudgetNerd #YNABCertifiedBudgetCoach #CertifiedMoneyCoach #TakeControlOfYourMoney
This is actually a wonderful saving money "hack." Go get that dopamine by "window shopping" online, putting your wants in the online shopping 🛒 and gettin' the heck out of there for AT LEAST 24 hours. You'll probably come back and realize you don't need much, if anything, in that cart. Thanks for the 🐦, @JoannaNoBanana. . . . #debtfree #debtfreecommunity #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #FamilyFinances #BudgetNerd #ADHDBudgeting #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #BudgetTips #ADHD
🔵🔵🔵 Another circle added! From our August budget- first of September regular mortgage payment amount.🏡 And, after that made the mid-September additional payment… then came the regular payment from October 1. All that means we are even closer to the 4th filled-in circle for Year 3. Let’s do this!!! #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay
We all prioritize our money goals around what is going on in our lives. Having a kick ass budget means we get to tell our money what we want it to do (even if it just sits there sometimes because my #adhd brain has a hard time making choices). If getting debt free is super important to you, more power to you! But it doesn't make you a good/better person. You are not a bad person for having debt and you are not a bad person for not prioritizing debt pay off over everything else your money can do. Money is personal. Do what works best for you. 💸 . . . #PunkRockMoney #debtfree #debtfreecommunity #BudgetYourFreedom #TheADHDAccountant #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips
Focus on 1% better everyday and see how far you can go.
I don't believe financial freedom is a destination, but all who pursue it are choosing to be intentional stewards with what they've got. These tees are for anyone who's pursuing financial freedom. It's SO fun to finally get this passion project off the ground! Click the link in my bio to check out these tees, and right now I am taking custom requests - no extra charge. If you are asking for it, chances are someone else would enjoy it too. #financialfreedom #merch #moneycoach #financialcoach #budgetnerd #budgeting #budgets #cardio #spreadsheets #sherwoodoregon
THIS POST IS TOO LOUD! 😆 Thanks for the laughs (and tears?), @youneedabudget. . . . #NSYNC #JustinTimberlake #BudgetYourFreedom #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #YNABWin #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #BudgetTips
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One of the best free activities there is! 😻 Happy Sunday! (The cat cuddles that is…pets definitely need their own budget line!!) #crazycatlady #budgetnerd #wandergrowprosper #theexuberantelephant
Follow me for more financial advice. 😆🎸🤘
Can budgeting really change your life? 🧐 Well.. it changed mine. In my world, budgets are not restrictive. Budgeting is the path to safety, security, and more freedom than you've ever imagined. I'm not "perfect" with money. I still make emotional spending decisions sometimes. We're paying off debt and working on planning for retirement. But I don't lie awake at night, worried about money anymore. Money isn't a huge trigger for my anxiety. And that's a gift that keeps on giving. 🎁 Thanks for the 🐦 @youneedabudget. . . . #BudgetYourFreedom #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #YNABWin #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #BudgetTips
People come to me expecting me to tell them that they need to cut things out of their budget. To stop spending, stop DOING fun things. But HEY! I'm not here for that. I'm actually really never going to tell you what to do with YOUR money. What I am going to do is teach you how to connect with yourself, identify and intentionally choose your priorities. I am going to teach you how to feel empowered by where you are at at this moment. I am going to give you simple tools to make managing your finances quick and easy. I am going to hold your hand while you learn new skills and look at things you haven't felt brave enough to look at on your own. You don't need MY permission. You are going to take your power and give yourself PERMISSION TO SPEND on the things that are important to you. Yes, other stuff may need to wait for the moment if you want to live within your means and reach your financial goals. It also doesn't have to be that way forever, even though your brain is probably telling you that you'll NEVER get out of debt or NEVER be able to afford new sofas or whatever it is that you're wanting to do right now. I'm here to tell you that you get to decide that it can be easy for you. And I'm here to show you how. Jump on my calendar for a complimentary discovery session to see if coaching is what you've been looking forward to take your financial journey to the next level! If you already know that this is your next step - don't waste time! Send me a message and let's get going! #tranquilfinancecoaching #financiallifecoach #lifecoach #permisiontospend #spendingplan #budget #budgetnerd #takingnewclients #budgetbff #familyfinances #youdontneedpermission #intentionalliving #intentionalspending #intentionalfinances
I have spent most of my morning so far setting up my new cash envelopes and wallet from @christina_loves_planning_ I have more cash envelope categories, and am excited to see how they help me stay on budget. My wallet is Taupe (I used the rings from my old Filofax, but there is a cash envelope binder option on the site), and the cash envelopes come in Pre-made sets to help you get started with your own budget! I also love the cute little card holder to hold all of my extras like gift cards and insurance cards. Use my discount code BRITTANY15 when you shop at christinalovesplanning.com to save at checkout! #debtfreecommunity #brittanysbudgeting #christinalovesplanning #cashenvelopes #cashenvelopewallet #cashisking #organized #budget #budgeting #budgetnerd
As the season changes and we gear up for a fresh start, September becomes a crucial time to take control of our finances. By budgeting wisely, we can make smart choices that set us up for success in the months to come. 🍂✨ Share 𝘺𝘰𝘶𝘳 favorite budgeting tips for September! Do you have any creative ways to 𝐬𝐚𝐯𝐞 𝐦𝐨𝐧𝐞𝐲 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐟𝐚𝐥𝐥 𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬? Let's take this September by storm and empower ourselves to achieve financial freedom! 💪💰✨ #BudgetingWisdom #FinancialFreedom #SeptemberBudgeting
Is budgeting limiting or freeing? 🔓 Well... it all depends on how you create it. 🔒 The Limiting Perspective: Some may see budgeting as constricting – the dreaded "B" word that restricts spending and sacrifices luxuries. 🚫 💃 The Freeing Perspective: But wait, there's a twist! 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐜𝐚𝐧 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐛𝐞 𝐚 𝐭𝐢𝐜𝐤𝐞𝐭 𝐭𝐨 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐟𝐫𝐞𝐞𝐝𝐨𝐦, giving you the reins to control your money and build stability. 🎟️💰 Remember, friends, 𝐛𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐢𝐬𝐧'𝐭 𝐚𝐛𝐨𝐮𝐭 𝐫𝐞𝐬𝐭𝐫𝐢𝐜𝐭𝐢𝐨𝐧—𝐢𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐞𝐦𝐩𝐨𝐰𝐞𝐫𝐦𝐞𝐧𝐭. Take charge of your finances and let them propel you towards a brighter future! 🌟💰✨ #BudgetingMagic #FinancialEmpowerment #MoneyMindset
🍳🤡🍳🤡🍳🤡
𝐄𝐯𝐞𝐫𝐲 𝐛𝐮𝐝𝐠𝐞𝐭 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭-- and yes, that means month-to-month, your numbers and money plan WILL SHIFT AND CHANGE! That's ok because life is never boring! 😅 I'm much more impressed with a flexible spending plan, because it shows growth and the understanding that your financial blueprint exists to support the life you're living... not be a set-in-stone document! . . . #debtfree #debtfreecommunity #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips #ADHD
This 🔵🔵 was added from our mid-July extra principal payment. 🏡 And, we are about to make our additional payment for our mid-August budget extra payment!! Let’s do this!!! #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay
We can get bogged down when we don't hit a goal the way we originally outlined it. But... that's ok -- that's LIFE, friends! What matters is that you make progress and keep on goin'. ANY (and I mean any) of these accomplishments is worth celebrating. 🎉 . . . #debtfree #debtfreecommunity #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips #ADHD
This Barbie is neurodivergent. 😆🌶️
Crazy lady with her checkbook vibes. 🤪 It was true in 1997 and it's true in 2023: matching your budget with your bank is 🔑 to making financial progress. Luckily now we have @youneedabudget for that! . . . #debtfree #debtfreecommunity #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips #ADHD
🌟 Finding the perfect balance between budget and brilliance! 💰✨ Remember, it's not always about the price tag – it's about the value it adds to your life and the happiness it brings. 🌈 Invest wisely in items that elevate your everyday and stand the test of time. ⏳✨ From timeless classics to those little luxuries that light up your world, here's to making intentional choices that truly matter! 🛍️💎✨ #QualityOverQuantity #InvestInHappiness #ChooseWisely #budgetnerd #savings #investingtips #investment
🤪🤪🤪 BUT FIRST! Who can relate?
"The first time you make a budget, you probably won’t get it right. As Kacy says, the first 6 months to a year you can use to properly track your expenses and income. Then you can make 𝐛𝐞𝐭𝐭𝐞𝐫 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐚𝐛𝐨𝐮𝐭 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭 𝐚𝐧𝐝 𝐡𝐨𝐰 𝐲𝐨𝐮 𝐬𝐡𝐨𝐮𝐥𝐝 𝐛𝐞 𝐬𝐩𝐞𝐧𝐝𝐢𝐧𝐠! 🤑 LETS GET THIS MONEY 🤑" Thanks for the original feature @kalilahrey! . . . #debtfree #debtfreecommunity #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips
Do you find yourself feeling like this not exuberant elephant when you think about money? Like you are you tired of feeling overwhelmed by your current financial situation? (Trust me, I get it - I was there once too!) And are you ready to finally take action and make significant progress towards your financial goals? If so, I've got just the thing for you! My Quick Start Budget Toolkit will help you take action TODAY! Check out the link in my bio to grab your copy today! #budgetingtips #PersonalFinances #IntentionalFinance #MoneyJourney #BudgetNerd #TakeControlOfYourMoney #WanderGrowProsper #TheExuberantElephant
Just slowly walk away... *runs from cart* 🏃♀️🏃♀️🏃♀️ Thanks for the laughs, @joannanobanana . . . #debtfree #debtfreecommunity #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips #ADHD
The hyper fixation is real. 😆 Who can relate? . . . #debtfree #debtfreecommunity #BudgetYourFreedom #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips #ADHD
Paying the troll toll to access that important information is just such an ADHD 🤌🏼🤌🏼experience🤌🏼🤌🏼. . . #debtfree #debtfreecommunity #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips #ADHD
🧠 the more you know Financial freedom is possible, but you have to start working toward it! Be more intentional about how you use your money - 1. budget, 2. save, 3. pay off debt, 4. invest, repeat steps 1, 2, and 4 #BudgetJourney🤩 #Budget #budgetcommunity #debtfreecommunity #budgettip #moneytip #wealthmindset #personalfinance #personalfinanceforwomen #debtfreejourney #budgetmom #budgetnerd #budgeting101 #moneymindset #moneymotivation #budgetroutine #budgeting #budgetplan #moneymanagement #personalfinancecommunity #financialindependence
It is about time for another introduction :) I am a 30 something year old trying to navigate this world staying debt free. Recently divorced and then went through a traumatic flood that caused me to do a whole house renovation on very little money. Thankfully that is now coming to a close and we can start hitting other financial goals for the remainder of this year. Whoot! Let’s go! Team tiny shovel, I am always looking for ways to cut some of our expenses while I drink #homebrew daily. I recently became a Virtual Assistant this year and am LOVING it! I enjoy gardening a cut flower garden mostly of Dollar Tree Zinnias and recently have started making crafts out of everything flowers and garden. It is sort of a side hustle with no direction at this point beyond the Etsy shop….. I have goals of doing a craft show though! Gotta keep making to be able to do that :) SO welcome to my weird little corner of the internet. I hope you find some tips and tricks on how to live on a little less in your everyday life. #debtfreecommunity #dfc #ogdfc #homebrew #shegrewherown #flowers #garden #zone9b #introduction #ynab #ynabcommunity #budget #budgetnerd #valuebasedbudget #goals #dfcgoals
In case you haven't looked at the calendar recently, it's almost the end of June already. Not only is this a great time to prepare for a new month, there are a few things to wrap up in your budget. If you use YNAB, here are the steps I recommend: 1️⃣ Reconcile all accounts 2️⃣ Cover all overspending 3️⃣ Assign every dollar a job 4️⃣ Review your goals I encourage you to not skip the last one! Especially since the end of June marks the halfway point of 2023(!!), this is a great time to review your goals. What goals did you set out to accomplish at the beginning of the year? How are they progressing? Has anything changed for you? It's ok to drop a goal or readjust, that's completely acceptable. Also, take a moment to celebrate anything you have accomplished so far! Nothing is too small to celebrate in my world! Comment or DM me and share your wins or goals! I’m here for you and can’t wait to see you Wander • Grow • Prosper! * * * * * #MoneyJourney #BudgetNerd #YNABCertifiedBudgetCoach #CertifiedMoneyCoach #TakeControlOfYourMoney #WanderGrowProsper #TheExuberantElephant #YNAB
We've never had so much in savings before!! Last year, we were funding road trips with credit cards and living paycheck to paycheck. I was putting off responsibilities for future Jessie to take care of. It feels good to flip the script. 24k paid off in debt and over 10k in the bank!!! 🥳🥳 #debtfreejourney #debtfreecommunity #debtfree #savings #emergencyfund #slowandsteady #consistency #budgetnerd #spreadsheetlife
Here are some tips on how to deal with ADHD interest 🔥out. 🔎Instead of viewing your ever-changing interests as a negative aspect, celebrate the curiosity that drives you. 🐘Break down your tasks or projects into smaller, manageable chunks. ✅Establish a consistent, daily routine can provide a sense of stability and help you stay on track. ⏰Set reminders for important tasks, deadlines, or scheduled breaks to maintain focus and prevent distractions from derailing your progress. 🧘♀️Try deep breathing, meditation, or yoga. These practices can help improve your focus, reduce restlessness, and enhance self-awareness. 🤝Prioritize your passions and focus on a few at a time. If possible, delegate tasks or seek support from others to alleviate the pressure and allow for more focused engagement. 🎨Engage in creative outlets that align with your interests and curiosity. ⌛Take time to reflect on your experiences, interests, and patterns of losing interest. Be kind to yourself and acknowledge that it is natural to have shifting passions. Celebrate the joy of exploration and embrace the opportunities for growth that come with your curiosity. . . . #debtfree #debtfreecommunity #BudgetYourFreedom #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips #ADHD
*Adds to cart. 🎸💻 . . . #punkrockmoney #concertjunkie #rockmusic #rocknroll #rockon #PunkRockMoney #PunkRockAndProsper #BudgetYourFreedom #TheADHDAccountant #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips
For everyone clamoring for California budget charts on a Thursday night… here you go! This is one of the key ones. This is from the Governor’s Department of Finance. And as you read in my previous posts, these numbers are based on risky revenue estimates. So if revenues come in lower, we have a bigger budget problem. Look at the negative fund balance over time in yellow and the operating deficits in orange. #budgetnerd
We all prioritize our money goals around what is going on in our lives. Having a kick ass budget means we get to tell our money what we want it to do (even if it just sits there sometimes because my #adhd brain has a hard time making choices). If getting debt free is super important to you, more power to you! But it doesn't make you a good/better person. You are not a bad person for having debt and you are not a bad person for not prioritizing debt pay off over everything else your money can do. Money is personal. Do what works best for you. 💸 . . . #PunkRockMoney #debtfree #debtfreecommunity #BudgetYourFreedom #TheADHDAccountant #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips
Guess who's back? Back again? Jessie's back...budg-e-ting... Lol! Couldn't resist. These last few months have been a lot of work, and I was feeling the strain. I gave myself permission to pull back on making videos, donating plasma and doing Door Dash deliveries the last two weeks. Sometimes we need to step back and take a breather. It's so useful to reflect and consider what is adding value and what is superfluous. What is moving the needle? What is more work than it's worth? Today, I filmed a Transfer Tuesday video for YouTube and it feels useful to take that time to review my budget to see what progress has been made since the last time we met. Hop over to YouTube to check out my latest video. Link in bio! #budgetspreadsheet #budgeting #debtfree #debtfreecommunity #debtupdate #transfertuesday #budgetburnout #savings #investing #budgetcommunity #budgetnerd
Seriously, there are too many distractions nowadays. 🐱 Drop a 🖐️ if you agree! . . . #PunkRockMoney #PunkRockAndProsper #BudgetYourFreedom #TheADHDAccountant #Budgeting #BudgetingTips #YouNeedABudget #YNAB #YNABCommunity #YNABBudgeting #YNABBudgetTips #YNABWin #MomsOfInstagram #Budget #CFOMom #FamilyFinances #BudgetNerd #FinancialFreedom #MoneyGoals #PersonalFinance #FinancialLiteracy #MoneyNerd #MoneyNerds #BudgetTips
EveryDollar… Keeps is on track! 🤓 But to be honest, so@stinks I have a hard time keeping up with tracking the transactions we have every month… 🤔 I’m for sure more Nerd than Free Spirit, but it’s true that I was way more on top of tracking purchases years back when two things were different than now: 1️⃣ We we’re paying off debt and saving up our emergency fund 2️⃣ We had the free version of the EveryDollar budgeting app Yes, I love how EveryDollar keeps us on track and helps up to see how far we’ve come after years of budgeting and staying on the path of the Baby Steps to Financial Peace. At the same time… for whatever the reason, since the version of the app that comes with Ramsey+ connects to the bank and automatically loads all of our transactions… I got much less diligent in checking in to see how things are going during the month! However my husband and I budget and live life together on the same page so since we use the same budget account, we both have the opportunity to track transactions! Sometimes though we get to the end of a month and still have to track a bunch before starting our new budget!! 😆 Always room for improvement and I want to get better at lots of things in all areas of my life so this is one of them!! 😄 #theRamseyWay #DaveRamseyBabySteps #EveryDollarBudget @everydollar #ramseysolutions #lifeafterbabystep2 #babystep2 #babystep3 #babystep6 #babystep4 #babystep4and6 #nerdorfreespirit #budgetnerd
Is this not how everyone spends their Saturday night?? #ynabbudgeting #budgetnerd #saturdaynight
Can you guess how much this costs? All ingredients from @aldiaustralia to transform into a delicious dinner. Swipe to see the end result ➡️ RECIPE 👩🏻🍳 Slow Cooker Mexican Chicken Soup 500g chicken breast I can of black beans, drained and rinsed 1 x onion, diced 2 x cloves of garlic, minced 2 x red capsicums 200g corn (I used 2 x 125g cans, drained) frozen corn would also be fine 2 cups of chicken stock 1.5 tbsp Mexican spice mix 1 x 400g can diced tomatoes To serve: Sour Cream Tortilla Chips Avocado, sliced Grated Cheese 1 x lime, cut into wedges Coriander Method: Combine stock, black beans, tin tomatoes, capsicums, corn, onion, Mexican spice & garlic in slow cooker. Stir to combine. Add chicken breasts so they are covered by the broth. Cook on low for 5-6 hours. Shred chicken with a fork and return to slow cooker. Scoop soup into bowls and top with avocado, sour cream, grated cheese, lime wedge & coriander. Serve corn chips on the side & enjoy 🤤 Keep an eye on my stories to see the total amount. #ad @aldiaustralia #GuessMyBasket #ALDIPartner #ALDIPricePromise
How often do you get promo emails like this? 20% off! $5 store credit! Free gift, today only! Obviously the retailer wants to lure you in to spend more money! But I'm here to tell you that you don't have to spend much more than the deal they send! Absolutely go spend your $5, if you want, but don't feel like you have to spend a ton (or anything!) more. I get these $5 cash offers and then look at it as a challenge to spend as close to $5 as possible! True story - I once bought an item that came to $4.99. They had to give me a penny back of store credit! This time around I was sent a $5 birthday reward. I was able to find a cute (and obviously purple!!) shirt on clearance for $8.10. There was a 20% off coupon in the app (saving me $0.62!), minus my $5, that meant my out of pocket total was only $2.48! Don't feel pressured to spend more than you want! I have zero guilt about buying an $8 with a $5 coupon! It's a win for you and your budget!! * * * * * #MoneyJourney #BudgetNerd #YNABCertifiedBudgetCoach #CertifiedMoneyCoach #TakeControlOfYourMoney #WanderGrowProsper #TheExuberantElephant #YNAB #Thrifty #Frugal #FrugalTips #Budgeting #IntentionalFinance #personalfinances #FinancialCoaching #FinancialFreedom
🟠🟠🟠🟠🟠🟠🟠🟠 Intentional. Have I mentioned… life happens. 🟠 Year 3!!! 🟢 Year 2 🟣 Year 1 Closing date: March 2020- Move-in date April 2020 😜 Still looking forward to our pizza on the front porch this month!!! 🍕 😋 🍕 Every bit counts on our way towards that Goal!! Working our way one day at a time on the journey of life towards Baby Step 7 and Extravagant Generosity!!! #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay #crayolacoloredpencils #crayolamarkers
When I was single in my 20s I wish someone had taught me the importance of investing. I am so glad now I can help other single women (and partnered-up women) realize how easy it is to invest and show them the steps to get started. Meagan is a graduate of the @confidentmoneyclub and I am so thankful she invited me on to IG Live to share with her platform @singlegirlclub how to get started. Let me know any questions y'all have about investing in the comments and we will answer them on the Live.
🟠🟠🟠🟠🟠🟠🟠 From the beginning of March/end of February’s budget month with the regular monthly payment! One more makes 7 for our 3rd year in our house, paying off our mortgage little by little, being intentional rather than fully intense because let’s face it… life happens all along the way. But let’s wait and see if we’ll get another by the end of April to wrap up Year 3!!! And we will celebrate with pizza on the front porch, for our fun tradition! In April- on the anniversary of the day we signed papers and got the keys!!! 🔑 🏡 Every bit counts on our way towards that Goal!! #mortgagepayoffjourney #mortgagefreewannabe #daveramseybabysteps #babystep6 #debtpayofftracker #budgetnerd #freedominabudget #lifeafterbabystep2 #theRamseyWay
Check out my latest YT upload! I share the transfers I've made for various goals as well as review my budget from this paycheck. Link in bio! #debt #debtfree #debtfreecommunity #debtfreejourney #debtfreein2023 #budgetspreadsheet #budgetbypaycheck #budgetnerd #budget #budgetcommunity #cruise #savings #investing