Hello! Happy to see you've found your way to our new page. It wasn't too long ago that I stumbled across some great Instagram accounts in the #debtfreecommunity . I learned about Dave Ramsey through those accounts, discussed it with my boyfriend, and we've decided to take the plunge! The vulnerability, accountability, and community aspect of this community were exactly what I didn't know I was looking for! We have decided to document our journey right from the beginning, and although we expect a bit of a bumpy road to begin with as we learn, we are excited to share it with you - all in hopes that some other stranger might stumble across our page one day and be encouraged to start their own debt free journey, just as we were. Thanks for following along!
In 2018, I was squeeeeezing into a size 24. Today, I can finally say that I’m back down to a size 18. It felt good to go shopping, and I can’t remember the last time I felt that way. Clothes are fitting me better, but my greatest victory so far has been getting my blood pressure in check. 116/65 yesterday. All the happy tears. The best is yet to come. #transformation
Have you had a glass of water today? I know one of the hardest things to do is to let go of your favorite soda, juice, or tea (talkin’ about that sweet tea... you southern mamas know what I’m talking about!) but if you can just cut back or substitute it with a sugar free soda or an all natural juice then you’re well on your way to making healthier choices! It’s all about making baby steps and feeling good about said choices. I’ve made a commitment to myself to cut out the sugars in soda, no I’m not saying I will stop drinking them every now and then but I WILL be having a Coke Zero if the craving hits me and I’m ok with that! I have also challenged myself to try and drink those 8 glasses of water a day, even if I don’t at the end of the day I can say I tried and one day I will conquer!! You can too, I have faith in you!! Stay hydrated, stay focused, and don’t give up!! #water#waterisgoodforthesoul#h2o#8glassesaday#challengeyourself#stayhydrated#hydrationiskey#cutback#makeasmallchange#babysteps#youcandothis#momlife#feelthechange#rightmindset#healthylifestyle
Happy Friday! 🙌✨ Today has been all about progress for me in my journey to becoming debt free. Yesterday I went to cancel one of my 💳 that I haven't used since 2016 and there's no balance on it. I noticed I had 15,000 points so I looked into redeeming them. Turned out I could get gift card with the points. I looked at the stores and noticed way fair was on it. I've been eyeing a coffee table set from way fair for over a year now and just haven't committed to cash flowing it. I ended up redeeming my points for $100 gift card for wayfair. I am so excited and now I'm going to save up the extra and finally get my coffee table. My husband also got paid today so I put an extra $500 on my credit card. I updated the amount leftover and I'll have paid off 1 of 2 of my credit cards in February. Also with my husband's weekly pay schedule, I'm able to do the weekly saving challenges. It's been all about small wins today. Hope all of you have a fabulous Friday. #debtfreegoals#financialgoals#daveramseyplan#financialfreedom#financialpeaceuniversity#debtfreecommunity#debtfreejourney#debtfree#smallwins#bigresults#iwanttobedebtfree#daveramseybabysteps#babystep2#babysteps#moneygoals
Dziewczyny! 🌏 Czy wiecie, że 1 plastikowa słomka do całkowitego rozkładu potrzebuje 200 lat? 🌎 Na pewno słyszałyście hasło: „to tylko 1 słomka .... powiedziało 8 miliardów ludzi” 🌍 może znacie @areta i wiecie jak dużo dobrego zrobiła dla naszej planety w ostatnim czasie, popularyzując idee #babysteps#plasticnotfantastic#zerowaste i wiele innych fantastycznych rzeczy! Planując zimową wysyłkę kreatywną chciałyśmy dorzucić dziewczynom coś, co nie będzie kolejnym zbędnym gadżetem ... wtedy wpadłam na pomysł, że w Polsce mimo wielu proekologicznych akcji, nadal nie jest łatwo dostać słomki wielorazowego użytku i zamówiłam kilka sztuk z jednego z zagranicznych serwisów. Kilka dni później odezwała się do mnie @puchalska, mówiąc jak wiele zapytań dostała od swoich followersów o ... nasze bambusowe słomki, które dostała od nas razem z wysyłka kreatywną! To zdarzenie zainspirowało nas do zrobienia 💥PROMOCJI💥 🌏Od teraz do KAŻDEGO ZAMÓWIENIA POWYŻEJ 250 zł BAMBUSOWE SŁOMKI GRATIS!!! 🌏 W woreczku znajdziecie 4 bambusowe słomki i czyścik! Miłego wieczoru 🙏🏾
Keep it real. What IF you thought about health & fitness this way? . . . "From now on I will live healthy and happy. I will eat clean MOST of the time, and exercise at least three to four days a week. But I will allow myself to rest and have days where I let loose and relax. I will also enjoy the heck out of some pizza and cupcakes occassionally. I am working towards a healthy lifestyle I can sustain, not just work at for a month. I am working towards taking care of the body that was generously given to me." . . . You have to find the balance. I'm so glad I have finally allowed myself to do just that. HAPPY FRIYAY! #fitness#believe#achieve#goforit#babysteps#noexcuses#momswholift#fitmoms#healthylife#takecareofyourtemple
This pic is my first post in the private FB group. I didn't start on a Monday , I started on a Wednesday. I had been going through a lot (a lot for me) in the months leading up to me starting this plan. My husband and I were super young when we had our kids, I busted my ass and put him through school. Now he's working while I'm in school. ( I work pt) We were renting a house I loved and we had to move over the summer bc the owners needed to move back in. Now we are saving for a house at my in laws. I was angry about us having to move, like super angry. I was on break from school and all I wanted to do was organize the house but ended up having to pack everything and be out quickly. I held on to that anger and I took it out on my husband and kids. I became a miserable person. I've always been an emotional eater and I was going to mcdonalds daily on my lunch breaks and getting cookies from burger king. I became so unhappy with everything. I was sick of everything and decided I was tired of feeling like shit and went to giant and got my first batch of compliant foods. My mood and anxiety has improved so much just from eating well! We are working on our finances and I'm working on myself and things are improving and I'm excited for 2019 I know I'm going to crush my goals! So my long ass post is for someone who may be upset about whatever situation you're in, you can start today, doesn't have to be a Monday doesn't have to be the 1st of a month you don't even have to be 100% in. If you want to change start taking baby steps One meal at a time one decision at a time. The little steps add up to consistency and your future self with thank you for it!
Smocked clothes. The major reason we SHOULD be debt free by now, but aren’t. • I fell in love with smocked clothes ($15-$20 resale, $20-$28 new) with Easton. I became obsessed and had to have an outfit for each occasion or holiday. I would spend a decent amount on each preorder (usually one every 4-6 weeks). • Last year when we really buckled down, Easton had grown out of smocked clothes and was in “big boy” clothes so it wasn’t that hard to “give up.” Lily was still tiny (preemie) and didn’t fit in smocks yet. Well, she’s outgrown the few I’ve bought at consignments. Her wardrobe pales in comparisons to his. She just outgrew ALL of her clothes overnight and we needed a quick solution. • Enter AMAZING friends who just had a baby boy, with an older girl. We decided to just swap clothes! I had 99% of his old smocks still saved and she has all of her daughter’s smocks too! Perfect win to clothe Lily in cute clothes and even better financial win. • Thanks, Lindy! Little Lil looks good again 🥰😘 ————————///———————— #debtfreecommunity#debtfreejourney#debtfree#debtsnowball#debtfreeliving#babysteps#babystep2#financialfreedom#financialpeaceuniversity#livelikenooneelse#daveramsey#rachelcruze
It's easy to get caught in the debt trap trying to keep up with the Jones. A life style built heavily on debt is like a house of cards. If just one wrong thing happens it can come crashing down. Don't get caught in the trap. Stick to the plan and have financial freedom!
if you know me, you know that veggies aren’t my jam (except broccoli. i ❤️ broccoli). i am somewhat of a picky eater, but i’m trying. my goal this week is to finish that whole box of spring mix! anyone else feel the struggle?! 🙋🏼♀️ once i’ve prepped my veggies, they don’t last as long, and i hate the thought of throwing away something i actually spent time on- therefore, i’m more likely to actually consume them 😆 baby steps, right? okay, now i need all of your meal prepping tips! 👇🏼👇🏼 please and thank you. 😘 . . . #carolinacleanbeauty#mealprepping#eatyourcolors
Y'all, I'm going to be 30 in less than 8 months. 30 years old. 30 years on this earth. 30 years of life. 30. 🤷🏻♀️ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ And just this past maybe 2 years have I finally started to feel like I'm getting my life together. 👌🏻 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I'm no longer a victim of my circumstances, I create them for my family's benefit. I'm no longer a lowly Specialist, I'm an NCOIC as a Sergeant and indirectly responsible for over 1,000 people. I am no longer the girl who hangs her head and keeps her mouth shut. 🙅🏻♀️ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I'm the girl who has earned every bit of her accomplishments, put in all of the hours to build her self confidence, and who has walked through the fires of hell to get my shit together. 💪🏻 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I am definitely still a work in progress, and by no means do I have it *all* together. But I'm closer now than I was before. A Phoenix, rising from the Ashes. 🔥
Last weightlifting session from yesterday before the season kicks off this weekend💥🏋🏽♀️ still not happy with my form but I finally managed to do some lifts up to 95% of my PR🤗 #babysteps#hwpo#swissweightlifting#trusttheprocess#snatch#technique#girlswholift#dowhatyoulove#strongishappy#ghcbb#crossfitbasel#crossfitdietikon
I’m a far cry from the Gen-Z demographic who echo this so well, but one of my resolutions is to be more resourceful with my style, and ultimately buy less. Today is the start of that day 👊🏻 1. Take one ‘forgotten’ dress (which has been hidden away in the wardrobe for the past two years) 2. Layer with my one and only @Zara sale purchase - this khaki cardigan 3. Layer again with last years @hm faux fur coat. 4. Add some 2019 sass 5. Et voila 🙅🏻♀️ Might even attempt to do a clothes swap/sell this Spring (feeling queasy about that rn) #babysteps#consciousliving#fblogger#fashion#style#zara#nativerose#style#photooftheday
🌙 This babe was on the fence about going darker, to the minute she sat down in Lo's chair. Instead of going completely dark and having a mess to face in order to get back to blonde - Lo decided to full color gloss her using @redken SEQ (8GI + 7N + drop of 6GI) to see how she likes it. #babysteps @hairandmakeupbylo . . CALL NOW TO BOOK WITH ONE OF OUR TALENTED STYLISTS! • 7 3 2 3 6 9 3 9 3 6 • . PS. She loves it if you couldn't tell 😍👌🏼🤪
Did you know??? ~Every Saturday, BattleWolf Crossfit has a free community WOD @ 10am. This is a great opportunity to come get a quality workout in to start your weekend. Never Crossfit before? No problem. Our Saturday WODs are team based workouts and there will be plenty of people willing to help you get going. Don't feel Like you are in good enough shape? We modify all workouts to fit your current fitness level, from complete beginner to experienced fire breather! You are guaranteed to get a great workout in with us and will meet some awesome people along the way. Show up a few minutes early if it's your first time and we'll get you setup. Look forward to seeing you. #battlewolfcrossfit#communitywod#makingsanmarcoshealthy#babysteps#investinyourfitness#itsfofree#youcandoit#yesyou
Ok, #dfc, I have stumbled on some really cool tools! In the @thebudgetmom email this morning, she posted a link to a Youtube video featuring how to create a plan to pay off your debt. So I went to the @vertex42 website, downloaded a couple of spreadsheets, and am super excited about them!. . First I download the Family Budget Planner - this document will be so incredibly helpful to track spending by category across the full year in one easy place! Plus, you can track your savings balance! Since I have my savings broken up into a couple of different accounts and am continuing to add just $10/paycheck into savings throughout #babystep2, I can easily see the total sum of my savings accounts as well as watch them grow!. . Second I downloaded the Debt Reduction Calculator. I entered for my two loans their starting balance on 1/1/2019, interest rate and minimum monthly payment, and then was able to play around with hopeful monthly payments and debt payoff strategies just to see when I could potentially become debt free and how much interest I'll end up paying by the end. (Kind of a bummer, but I'm empowered to get that overall interest sum as low as possible!). . The third thing I downloaded was the Loan Amortization Schedule, one for each of my loans! In this I was able to enter my starting loan balance for 1/1/2019, my interest rate and fudged with my term of loan in years value to have my monthly payment be correct. In this spreadsheet, you can include your additional payments and see how that affects your repayment schedule! With the additional payments I have already made this month, I have decreased my final loan payment by 66%! I can't wait to make more and more additional payments to see those ending payments fall off of my schedule!. . What spreadsheets or calculators have you found to be the most helpful in your debt freedom journey?. . #dfc#babystep2#babysteps#financialfreedom#debtfree#debtfreedom#debtfreejourney#debtfreecommunity#spreadsheets
Growing up I was the kid that didn’t live in the fanciest home or have parents that drove the fanciest cars. I was so EMBARRASSED.. But why? Now that I’m an adult and I’ve dug quite the hole I realize these things don’t matter. Sure, everyone wants to own nice things but I’d rather pay cash for those things. Today I now realize my parents drove vehicles without a car payment. My parents also OWNED their home. None of my friends parents drove payment free vehicles and owned their home. My parents made these accomplishments by paying with CASH. My parents never believed in credit nor have they ever owned a credit card. Neither parent has a credit score because they pay with CASH. Why didn’t I listen? #debtfree#debtfreecommunity#debtfreejourney#debtsnowball#debtfreegoals#debtfreelife#debtfreedom#daveramseybabysteps#daveramsey#babystep2#babysteps#bs2
3 weeks postpartum & soo thankful for my husband and family for all the help we’ve had since Phoebe was born💕 Not only was the first few weeks so painful for me, but I still can’t pick up my Anderson...just waiting to get the 👌 I didn’t expect to have C section, in fact I went in to get induced and was told Phoebe was breech 🤷♀️ Thank goodness I’m not one to make birth plans— the birth plan always is to get baby out safe & thats what we did. Pheebs came out with her cord wrapped several times around her neck and let’s just say if we tried to turn her, things could of been different. #everythinghappensforareason I know recovery will take a while #babysteps & I’m so creeped out by my incision still but it was all worth it 💕💕 #phoebemarie
One thing I told myself I was not going to do this year is make excuses for slacking on eating right and/or exercising. 💪 I will be honest I am good at coming up with an excuse to why I did not do something. Such as the kids kept me up all night, or I was tired or I needed to do this instead. 🙄 Whatever it was it was an EXCUSE. Instead of taking a few minutes out of my day to better myself it was easier to find an excuse. Well no more. ❌ There is no reason I cannot spend more time on myself in order to be better not only for me but for my family. They deserve the best of me. 🥰 Stop with the excuses. You have time, make the time. You can and you will! Think about it we all make time to get our hair done, to watch the new episode coming out on our favorite TV show, or to hang out with friends. Soooo 10 minutes a day you can do for yourself 😜 • • • • • • • #noexcuses#doaquickworkout#packyourlunch#beapriority#beproductive#youcan#babysteps#lifeisfun#makeitfun#youhaveachoice @briana_livewell_
Good morning dolls ☕️💕 If any of you are thinking of trying something new, or deciding whether or not you should... just do it! You never know how the smallest things can have the biggest impact on your life. About 8 months ago, I hurt myself at work and was off for 6 whole weeks, not able to wear full shoes and super bummed out about it. I couldn’t do ANYTHING. My foot hurt even wearing socks most days. So since I had gotten my WSIB payment, I figured I’d do something nice for myself to cheer me up & went to get my lashes done. I had them once before but didn’t like them & swore they were the devil 😂 but I saw an Instagram post that looked amazing so I figured why not. The lady who did them was so great, answering all of my questions and teaching me all about lashes while she was doing them. I was so impressed with her knowledge and so shocked at how much misinformation I had about lash extensions that I called around to the schools she told me about and ended up booking my course that night. It has led me to a new career path, I’m now in college working towards that career, and honestly it’s all because of such small, seemingly insignificant steps in the right direction. I just didn’t know it yet. Don’t ever be afraid of taking risks. I’d rather regret doing something than regret missing out. 😊👌🏻
Beignets all day! 👀🙌🏼🌈🎉 @bacchus_and_brown is open every Sunday from 12p-7p ...and if you or your business has enough intere$t - they’ll help cater your party! I couldn’t be a bigger fan of this stuff - B&B is located inside @fullcirclebaratx - it’s concentrated Austin - a little divey, extremely chill, Ski Ball, corn hole, nice people, funky music, random ass movies on TV - just go this weekend, you won’t regret it! 🤘🏼🚨😱
Up at 4:45 this morning, due to night terrors about natural birth 🤣. . Seriously tho, would not recommend watching graphic natural births on YouTube -- our toddlers watched with me & were also horrified 🙈... . On the bright side, it quite accurately answered my son's repeated question about how his brother is coming out of mommy's belly. His reaction? "Ooh, I don't like that." Lol! . Anyway, I'm still going for it, learned a lot (rest b/w contractions, refrain from swearing, practice normal deep breaths, dimly lit room, change positions frequently, use a tub if available, etc.), & am suddenly less impatient for baby's arrival -- he can hang out as long as he needs 😉. . Today I need to get payroll & T4's out, so the extra time this morning works out well. . Here's to a productive Friday, & feeling accomplished as we head into the weekend!