Frugalliving Photos on Instagram

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Just finished the feature wall in the bedroom. The paint may have took 4 coats an its took best part of 2 days to finish it all but thanks to a couple of £3 rolls of wallpaper bought from B&M a few months ago the whole thing only cost just over £20 all in #diyonabudget #frugalliving #debtfreecommunity #damask #proudface

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Did you guys know that I have a workbook for EVERY single step of the Greatest Worth process? You can find them all in my shop! And just this week I put together a discount code that you can use if you purchase ALL 4 STEPS at once. Going through the entire process will take you from ignoring your money, to a person with a budget AND a vision in just a couple of weeks. AND, if you purchase the 4 workbooks together you get 30% OFF your total. It's time to stop being scared and ignoring the problem. It's time to take action. Let's do this together friend! Use code COVID30 to get 30% off all 4 workbooks follow the link in my bio to my shop! . . . #moneycoach #moneymatters #familyfinances #momwin #sale #promocode #budgethelp #financislplanning #workbook #starttoday #madeformore #wecandohardthings #stayhomestaysafe #organizeyourlife #frugalliving #financialfreedom

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Currently diffusing. . Luscious lemon- 2 drops of: Jade lemon. Lemon. Spearmint. Eucalyptus. Bergamot. . 1 drop: Cinnamon bark. . I wanted that new soap @youngliving just launched so bad that it had to make its way to my diffuser while I wait for it to ship. . WOW. So dang good!!!!!

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On the menu this week was meatball bolognese. Unfortunately I didn't get a good picture of the bolognese so here's a picture of the homemade meatballs 🤗 With the help of two packs of minced meat + an onion and some spices, I was able to make 30 or so meatballs from scratch. I'm not sure if it was meant to take me 2 hours but for some reason it did 😭 but it was so worth it. After splitting them into 3 batches, each batch ended up working out to £3 or just a little less (can't remember the price of the beef 🤦🏾‍♀️) and the batch we had this week got us through 3 days. I don't think you can see it in the picture but my meatballs were a little big so I ended up slicing them in half after they defrosted, which allowed each batch to sufficiently serve 3 people. Fakeaways for the win ✊🏾- L #food #foodprep #batchcooking #frugalliving #debtfreecommunity #savingmoney #save #lowbuy2020 #financialvulnerability #frugal #ukdebtfreecommunity #emergencyfund #money #budgetingtips #debtfreejourney #savingmoney #savingmoneytips #saving #savings #moneysaver #goaldigger #personalfinance #dfc #moneymoves #debtfreecommunityuk #smartmoney #budgeting101 #moneyhabits #moneyhacks #moneymoneymoney

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€0.27 Homemade wholemeal bread 🍞 Best experience with bread so far. Easy to bake and realy nice texture and flavour 😋 Ingredients * 4g dry yeast - €0.02 * 1 cup warm water * 1 cup wholemeal flour - €0.08 * 1 cup plain flour - €0.06 * 1 teaspoon of brown sugar - €0.02 * 1 tablespoon of olive oil - €0.07 * Salt to sprinkle ~ €0.02 Method: 1. On a blender, mix the water, yeast, sugar and oil together 2. Add one cup of flour and mix everything on the blender 3. Pour the mix into a bawl and add the rest of the flour 4. Add the salt 5. Mix well (the texture should be homogeneous and sticky) 6. Put the dough into a cake tray that will go into the oven 7. Cover the tray and let it rest for an hour 8. Pre-heat the oven at 200°C 9. Cook the bread for aprox. 30min 🌿 #homemadebread #bread #bakingbread #baking #homecooking #fromscratch #cookingfromscratch #vegetariano #veganbread #vegan #vegetarian #quickbread #cheapfood #easybread #pao #frugalliving #nowastedfood #nowaste #wholemealbread

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Bok Choy Mango Smoothie Cost: $2.29 Coconut water w/pineapple juice $.49 Baby Bok Choy $.40 Juice of half a lemon $.10 Frozen Mango Chunks $1.09 Banana $.21 #frugal #frugalliving #vegansmoothie #veganlife #veganism #veganonabudget #plantbased #vegansofIG #vegansofinstagram

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So thankful that I enjoy cooking during these times. Lunch today is homemade buffalo chicken pizza. Delicious! #frugalliving #debtfreedom #debtfreeliving #debtfreecommunity #dfc #wehavefoodathome #daveramseybabysteps #homecooking #whodoesntlovepizza

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Had a productive Saturday today, walked to the shops (no cat food, toilet paper or flour to be had), did food prep for next week and melted down some leftover candles to make new ones. #frugal #frugalliving #thrift #moneysaving #moneysavingtips #savingmoney

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Whether you've always been a fan or you're just starting to turn back to the basics, I highly recommend a dehydrator! It helps preserve food longer and my new favorite, using up the little bit of extras before they go bad! Over at @sigfredcafe we are dehydrating orange slices on the couple oranges we didn't make it to. My favorite is throwing a slice of lemon or orange into a hot cup of tea! . . . #sustainable #sustainableliving #zerowaste #minimalwaste #dehydratedfood #dehydratedoranges #dehydrator #thinkdifferent #thinkdifferentbedifferent #backtothebasics #budgetfood #frugalliving #frugalideas #frugallifestyle #homemaker

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. Murphy # 1: Nothing new here. Murphy # 2: What’s new here is that I woke up to ceiling damage this morning. Rain is expected this entire weekend, but it’s not raining now and there is a lot of water leakage. We will have to check the roof again when it rains later today to rule that out completely. For now, it’s believed to be pipe damage and thankfully is only affecting one room as far as we can see. A couple of secondary damage is already underway in that area (ceiling, newly painted wall, baseboard, personal items that were stored in that spot). A service request has been put in but and they can’t bring anyone out until Monday. So, we temporarily shut off the water and will plop ourselves on the couch all weekend.

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It's spring! 🌻🌷 So I think that calls for all the floral patterns and sun dresses! Happy Saturday, I hope everyone enjoys their day and hopefully spending quality time with family. Sending love to all! #ootd #nospendyear #nospend #frugalliving #budgetlife #saturday #enjoytoday #minimalism #spring #floral #simple #simplicity #gratitude #debtfreecommunity

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Thanks @prolific_co another £6.57 into the car fund. I love this website, lots of studies which always pay well. #prolificstudies #prolific #thesavvywife #carfund #saveforthefuture #savvysaturday #frugal #frugalliving #frugallifestyle #paypal #payout #savings #studies #surveys #frugality

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#repost . . 🥤first like this pic 🥤tag a healthcare worker or first responder ! . . As a HUGE thank you for your support, we’re extending our free coffee, tea and Polar Pop Fountain offer for first responders and health care workers on the front line until April 30! To redeem, simply visit any participating (U.S.) Circle K and show a valid ID. To learn more about how our stores are addressing COVID-19, visit www.circlek.com/covid19 #InThisTogether . . . . #policeofficer #firefighter #paramedic #doctor #nurse #medicalstaff #medicalresearcher #medicine #nursepractitioner #medicalassistant #EMT #starbucks #flattenthecurve #debtfreecommunity #budget #budgeting #smartmoney #debtfree #frugalliving #practicekindness #thankful #nurselife

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Create a Budget: Having a budget helps you make sure you will have enough money every month. Now is the perfect time to get your budget together. If you have no idea how to do so, now is the best time to learn. Look at your spending from the previous year and identify ways to reduce spending and cut cost. Get organized: If you have your budget and financial goals already mapped out, why not spend some time getting them organized? Fix those budget leaks, check those tax documents. Get copies of your credit report and go through them. Set SMART financial goals: It is never too late to set goals for your finances. This is a perfect time to do just that. Write down what you would like to achieve or improve your financial life. If you want to learn more on getting your finances organized check out @rolondathewealthconnector for great tips and advice. . . . . . . . . . . . . . . . . #thembmcommunity #debthelp #debtelimination #millennialmoney #financialeducation #financialexpert #debthelp #budgetlife #moneygoals #budgetliving #frugalliving #financialfreedom #moneysavingtips #financialliteracymonth #debtfreegoals #debtfreeliving #debtpayoff #daveramseybabysteps #daveramsey #livingonabudget #debtfreejourney #debtisdumb #debtfreedom #zerobasedbudget #budgetlife #totalmoneymakeover #debtfreecommunity #debtfreejourney #debtfree #budget

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New blog post! Eating healthy on a budget! Link in my bio! #frugalliving #frugallife #healthyeating #newblogpost #debtfreecommunity #debtfreejourney

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From 🍌 to 🍦...for real! ⠀ Okay - confession time - I effing love ice cream. Like LOVE it. And there are some good #dairyfree versions out - I’ve shared some of those before. I find the kinda pricey and although fine on occasion - they don’t have a lot of desirable ingredients. ⠀ So taking some Inspo from some of my fav #df accounts I created this delish frozen treat for a legit pocket change per serving for a #frugalliving win! ⠀ Healthy doesn’t have to equal outrageously expensive. Here’s the recipe: 🍌 8 frozen ripe bananas 🍫 1 tbsp #cacaopowder Put it in your blender and whiz it around until smooth. That’s 🤯 it! ⠀ Makes about 10-12 servings (roughly 3 scoop bowls it what we each eat). Cost me around $2 for the entire batch. ⠀ You can also add your fav #nutbutter or chocolate chips or coconut or nuts or whatever. ⠀ It’s amazingly delish and satisfying and keeps in the freezer. ⠀ Have you tried it? Will you?

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Expense tracking has gotten a lot easier for us this month! Anyone else? I'll admit I love spending less than $75 on fuel so far for our budget month (for comparison, we budget $300 per budget month). Yesterday I talked about why you need to be tracking your expenses on the blog, and how we do our expense tracking a little differently than most. I also included this free printable for your expense tracking needs!⁣ .⁣ You can read the post here: https://www.makingcentsmatter.com/how-to-track-expenses/⁣ .⁣ .⁣ .⁣ .

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Late but mortgage is in the £36 thousands (doesn’t include interest) Overpayments on hold for a few month till things go back to normal but going to try save what a would pay towards it 😊 n also C-19 update I will NOT be pausing my mortgage xxxx #frugalliving #frugal #mortgage #firsttimehomebuyer #doingthisforme #doingthisonmyown

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Sunrise on Maui, ft. a lil wild goat ☀️ . Man, it feels like a hundred years ago that we were enjoying the sun, surf, and lava fields! With so much time at home, I’ve been scrolling through my camera roll more than normal. Is anyone else reminiscing about their travels and, you know, spending time in places with people?! . . . #savingandthecity #budget #budgeting #lifeonabudget #frugal #frugalliving #travelonabudget #maui #daveramsey #daveramseybabysteps #babystep3b #savingforahouse #mortgagefreecommunity #llnoe #livelikenooneelse #debtisdumb #debtfreecommunity #debtfreejourney #debtfree #dfc #financialindependence #financialindependenceretireearly #financialfreedom #financialpeace #wealth #wealthbuilding

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Sorry my text is blurry. Idky it’s doing this, but here is a great offer if you have Checkout51 and are in need of butter. The olive oil country crock butter is amazingly good. 😋. Refer your friends and get $10 after they sign up with your link. . . . Link in bio if you want to sign up! . . . #frugalliving #dealfinder #ilikefood #greatdeals #couponcommunity #checkout51

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Just Quit Already: Day By Day Through Year One Of Retirement. Day 279, Mon Apr 4: Enid is on her spring break and today she is off driving her mom on some errands. They’ll stop and eat at her mom’s new favorite restaurant, the Dim Sum Factory. Enid’s take on the food: fabulous. Our IRS tax refund showed up deposited in my checking account. It’s a good thing in two ways: 1) it replenishes my account, and 2) While I know that it is my money in the first place, it always seems like I’m getting something gifted to me when I get the tax return. I have a fondness, bordering on misdemeanor, for free money. This return raises the same feelings as when I find a random dollar bill in a pocket of the jeans coming out of the dryer or when I win three dollars in the Lotto. Except this is even more satisfying since it comes from the government to me; I’m sticking it to the man. . . Read more at bartbecker.com and Facebook Bart Becker Projects. #taxrefund #taxrefunds #taxreturn #taxreturns #taxes #nonfiction #memoir #diaries #dailyjournal #simplelifehappylife #simplelifepleasures #simplelifestyle #frugalliving #stickittotheman #retirementplanning #retirementgoals #retirementplan #financialindependence #financialgoals #lifecoaching #lifecoachforwomen #lifecoachingtips #lifecoaching101 #aginggracefully #over50 #gotmymindonmymoney #downshifting #sculptureart #metalsculpture #midcenturymodern

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We usually shop once a week and I’m a devoted meal planner, but like everyone else we’re stepping up our game to make fewer trips to the store. Planning ahead so I can grocery shop on Tuesday and make it 2+ weeks. Tried to pick recipes where I can be flexible on ingredients if the store is out of what it calls for. Does my system make sense to anyone else? 🧐 #mealplanning #mealprep #frugalcooking #frugalliving #debtfreejourney #makingitlast #pantrychallenge

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Nu när man tvättar händerna så mycket behövs det verkligen handkräm i mängder! Både jag och min sambo jobbar inom vården och har på kort tid blivit riktiga torrisar om händerna 👐 Istället för att slänga tuber som verkar vara "tomma" klipper jag upp dom och vips så finns det massa mer att ta av ☺️ Ett bra spartips tycker jag! #sparapengar #levabilligt #frugalliving #debtfree #payoffdebt #payingitoff #skuldfri

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Had to go grocery shopping yesterday, and I was FINALLY able to use some coupons. Used a newspaper coupon combined with a BoGo in store sale.👍 I have had ✨so many✨ coupons expire in March due to this #socialdistancing. I cannot wait until things start moving back towards normal. So many people are doing so many wonderful, selfless things to to fight this. It’s amazing! 🙌 Couponing every two weeks is almost impossible right now. I can only choose one spot to go to and I have to wait until the right time. I have found #publixcoupons #bogo deals are the easiest for me right now. This #quarantinelife is not great for #couponing. Normally couponing, I stop at multiple places spread over two weeks for the best deals. Ah, the good ol’ days...• • •I have a couple of deals from this trip I’ll post, spread out over the next couple of days. Nothing amazing but definitely good enough for me considering the circumstances. Keep praying y’all!!! 🙏 • #deals #bargainshopper #neverfullprice #frugalliving #bargainshop #bargains #bogodeal #expertshopper #couponing #couponingcommunity #frugalmeals #bigsale #retailtherapy #sales #bigsavings #shopaholic #budgetfriendly #freebies #bargain #couponcommunity #insanedeal #hugesavings #clearance #publixdeals #couponing101 #frugalfood

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Surprising but True: China is NOT the top holder of US Debt, it’s Japan. Actually #1 is U.S. Investors but Japan & China are the top 2 holders among foreign countries. Here’s the full breakdown: * Foreign - $6.4 trillion. (In December 2019, Japan owned $1.15 trillion and China owned $1.07 trillion of U.S. debt.5 That's more than one-third of foreign holdings.) * Federal Reserve - $2.46 trillion. * Mutual funds - $2.01 trillion. * State and local governments, including their pension funds - $1.04 trillion. * Private pension funds - $440 billion. * Banks - $769 billion. * Insurance companies - $202 billion. * U.S. savings bonds - $153 billion. * Other holders such as individuals, government-sponsored enterprises, brokers and dealers, bank personal trusts and estates, corporate and non-corporate businesses, and other investors - $2.93 trillion. This debt is not only in Treasury bills, notes, and bonds but also in Treasury Inflation Protected Securities and special state and local government series securities. If you add the debt held by Social Security and all the retirement and pension funds, almost half of the U.S. Treasury debt is held in trust for your retirement. If the United States defaults on its debt, foreign investors would be angry, but current and future retirees would be hurt the most. • • 📝by TheBalance • • #investing #stocks #stockmarket #moneytips #investments #investingtips #investing101 #kcmo #moneymanagement   #financialfreedom #budget #personalfinance #debtfreecommunity #debtfreejourney #financialindependence #firecommunity #firemovement #financetips #finances #financememes #bitcoin #financialgoals #frugalliving #frugal #kansascity #investmentstrategies #etf #401k #financialadvisor

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Earlier this week I managed to save a bunch of grapes + 4 pears and bananas from being thrown in the bin 🦸🏾‍♀️. I won't lie and say i’m big on homemade smoothies or that this is something I do regularly but quarantine has really brought out the best in me when it comes to preventing food waste 😂. Wasn't the best tasting smoothie but it wasn't the worst but it did the job so I canny complain 🤷🏾‍♀️.-L #smoothierecipes #nutribulletrecipes #food #frugalliving #debtfreecommunity #savingmoney #save #lowbuy2020 #financialvulnerability #frugal #ukdebtfreecommunity #emergencyfund #money #budgetingtips #debtfreejourney #savingmoney #savingmoneytips #saving #savings #moneysaver #goaldigger #personalfinance #dfc #moneymoves #debtfreecommunityuk #smartmoney #budgeting101 #moneyhabits #moneyhacks #moneymoneymoney

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I’ve strongly considered going back to school for a MBA in Project Management (I currently have a BBA in Human Resource Management) but the cost/benefit isn’t worth it right now even with some tuition reimbursement from my company. 🤷🏻‍♀️ Babe sent me this course and I bought it up to do during quarantine. 🤓 I’ve enjoyed my time as a human potato but I’m looking forward to using my brain. 😂🧠• • • • #personaldevelopment #debtfreegoals #inspiration #growthmindset #financialfreedom #dfc #personalfinance #moneymatters #learningathome #frugalliving #budgeting #savingmoneytips #debtfreecommunity #goals2020 #onlinecourses #projectmanagement #brainhealth #learning #masterclass #debtfree #millenials #moneymoves

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This little rhubarb has survived 5 chicken attacks, chipmunks, a vole, 2 floods & an ice storm. It comes back stronger every time. It truly belongs on the Rice Homestead! #homesteadlife #BasicLiving #frugalliving #determination

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𝐓𝐡𝐞 𝐓𝐚𝐱 𝐈𝐦𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬 𝐨𝐟 𝐒𝐢𝐝𝐞 𝐇𝐮𝐬𝐭𝐥𝐢𝐧𝐠 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ They say there are three things certain in life: death, taxes and me making amazing and informative posts for you to learn from. 😉 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I've posted before about all the great things to do with side hustling. But what about the... not-so-great and quite frankly depressing aspects... aka TAX. 😵 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ It's a topic no one likes, except maybe tax accountants (strange people) but if you're thinking seriously about setting up a side business, it is definitely important for you to know what you're getting into. 🙌🏽 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ There are chiefly TWO types of taxes you will be liable for as a sole trader/freelance* side hustler: ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 1️⃣ Income Tax 💰 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ The first £12,500 is FREE of income tax. However, if you have a main day job where you earn more than £12,500 then you've likely used up that allowance already. Your side hustle income will then become liable to tax. 🤷🏽‍♂️ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 2️⃣ National Insurance Contributions 💰 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ As a sole trader you will pay Class 2 and Class 4 NICs (IF you make enough £8,632+). 😬 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 3️⃣ Special Allowances ⠀⠀⠀⠀⠀⠀⠀⠀⠀ As explained briefly in the post, there are two special allowances you might qualify for. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ A trading allowance means you will not pay tax on the first £1,000 of your side income. 🤑 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ A property allowance means you will not pay tax on the first £1,000 of your property side hustle. 😅 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ * I make the distinction between a side hustle operating as a sole trader as IF you were to operate your business as a Limited Company, there would be very different tax implications.

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Cleaning really is a lot more fun when it is pretty and doesn’t smell like chemical shit. . Over here scrubbing everything with thieves. . Floors. Windows. Carpets. Toilets. Tubs. Laundry. Veggies. Fruit. Fridge. My car. My plants. . I have a busy weekend ahead, but only one cleaner for it all. Loveeeeee it!!!!!!

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I've had a lot of people ask me recently what I'm doing as I transition to a more sustainable lifestyle and how I keep our budget low. So I thought I would share a few ideas here for everyone. . . Let's start with a quick and simple one! Do you have a pile of old clothes that don't fit anymore or that are too worn out for public? Cut them up and use them as cleaning rags! This way you're not spending money on new rags and your not sending clothes to the landfill when they still have life in them! This also limits (or eliminates) the need for paper towels. . . Tip: Watch the material of the cloth. Some are super absorbent and great for scrubbing counters and floors. Where others are not absorbent but still gentle. These are great for polishing appliances, washing windows and in some cases dusting! I like to split the pile between the house and the garage. . . . #sustainable #sustainableliving #budgetideas #budgetlifestyle #frugal #frugalliving #frugalideas #diyrags #diy #rags #cleaning #diy #nosew #thinkdifferent #thinkdifferentbedifferent #homemaker

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Some new categories coming up for March and April so I decided to reflect that in our monthly numbers. Debt payoff was huge because we got hubby’s bonus from work. $400 of our emergency fund came from selling his car. We have medical expenses for hubby and our oldest’s therapy coming up so those numbers will come for April. Thanks to Covid we’ve started bulking up that emergency fund. Originally we were going to be splitting emergency fund and debt payoff each month with me staying home come the fall. Now most money in our budget will be going to emergency fund. Too many unpredictable things right now. Who knows what will happen in the months to come but we are trying to be prepared! #debtfreecommunity #debtfreejourney #frugalliving #frugal #budget

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Finally working from home. Pissed off earlier in the week cos I still had to go to the office daily. And then on Friday, I had to bring back almost my entire cubicle due to the nature of my job. It is going to be hard working at home because I have 2 active boys with me 24/7. But at least I won’t miss them like I do at work. I’ll be going to work on Monday though to settle some overseas transactions n take the opportunity to clean up n sanitize my workspace. Anyway I was trained for this period. Less distractions. A life less complicated. Opportunity such as this is hard to come by. It’s either u sulk or use the time to be better. To distinguish your needs from wants. To help you eliminate unnecessary baggages and focus on life goals than temporary happiness. Time to focus on healing, repairing and building my own self, my home and my relationship with my little family. #familyfirst #healthiswealth #frugalliving #loveandloyalty #unconditionallove

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Been gardening ! I’m sure none of you have any nettles but I had ! Land also backs onto woodland so wild garlic on hedge ! First course for Supper sorted ! Soup-maker out ! Wild garlic and nettle soup ! Zero points 💜💙💚😜 #livingofftheland #wwuk #zeropoints #homemadesoup #nettle #nettles #nettlesoup #wildgarlic #frugalliving #naturesbounty #eleriww #ceredigionweightwatchers #medicinalplants

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The Box-Checker in me thrives on list and routine, the ‘Rona Virus has really thrown things off. But here’s what’s I plan to tackle this April! 🌺What are you goals? . 🌺 #boxcheck #listing #debtfree #debtfreecommunity #debtfreeliving #babystep2 #daveramsey #teamtinyshovel #frugalliving #financialpeace #financialfreedom #budget #money #finspo #moneymotivation #buildingwealth #personalfinance #peacenhermoney

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Today we start talking about hacks, in the next weeks we’ll break down the major hacks one can do in her 20’s in order to maximise her savings or at least have the biggest return on her money. ⭐️ This is the prosecution of the post in which I talked about my 3 financial disasters and splurges, this not because I feel like a model to whom one has to tend, instead is only for giving an idea that s*it happens, and life is not Black or White. Also because I hate those pages who give financial tips that they would never ever do or that they don’t have the littlest idea of. ⭐️ If we talk about some topic here, either we know that field, or at least we admit we have no direct experience of that. Don’t ever trust no one, always make you due diligence, and especially don’t trust who gives advice that herself would never take! ⭐️ Especially about House Hacking, I know the most common form of doing it is not what I talked about, we’ll see also this famous one, which is buying a house and renting out rooms or lots (if a duplex, triplex etc..) Yet, as I said there’s no Black or White, with some fantasy, you can work out your best option! 🙃 Respect all the ideas and outlooks, everyone is beautiful cause he’s different! 📩 Feel free to comment down below your thoughts, for me it’d be worth a Trillion! 📬 If you need more help to start or just wanna have a meaningful convo, Don’t hesitate to hit my DM letterbox! I HATE HASHASS, and still have to put ‘em, If you think this could be useful to a friend, Feel free to SHARE this! 😤😤 #schooldontteach #graphicdesign #savemoneylivebetter #spendinghabits #personalfinances #budgetingtips #creditcoach #retireearly #401kplan #millennialfinancialeducator #incomestreams #billionairebrainclub #increaseincome #millionairemotivation #carhacking #househacking #fuckluxuryclothes #savemoneylivebetter #frugallifestyle #savinghacktips #househack #extremecouponing #extremecouponer #frugalliving #financialliteracy #financialfreedom #financialeducationservices #passiveincomestream #firstimehomebuyer #firsttimehomeowners

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Here’s an activity for your kids that is safe for them and the environment. 🌎 This is especially good if your kids have a gluten intolerance Gluten free and Food Dye Free Play-dough recipe adapted from @livingwellmom 1 cup baking soda 1/2 cup corn starch 3/4 cup water or coloured water OR turmeric, beetroot powder or spirulina for colour 1. If you want to use coloured water, heat water on the stove with beets, spinach or red cabbage. Be prepared though, the baking soda may cause oxidation and a change in the colour. The blue play dough is actually from red cabbage and the pink/orange colour is ground turmeric. 2. Once the water changes colour strain vegetables and measure out 3/4 cup. 3. Heat the baking soda, cornstarch and coloured water on the stove. You can also use plain water and a bit of turmeric, beetroot powder or spirulina to add colour. 4. Continue to heat on the stove on medium low and whisk until it thickens and forms a dough. Let cool and let your kids go a ahead an play. Make sure to cover it when they are done as it dries out quickly. This play dough is taste safe. My baby and daughter with ASD were able to play with it. They both tried to taste it but quickly found out it didn’t taste very good 😜 You probably wouldn’t want a child eating a lot of this though, so babies and children with special needs still should be supervised. Play dough is excellent sensory activity. Having kids make their own play dough is a great Science lesson. Especially when they see how the colours change due to the addition of the baking soda. Chemistry is fun 🤓 Then they get to make art projects and get creative with the play dough aftee it’s made. So there you have it a chemistry lesson, sensory activity and art project all in one. Homeschool is done for the day 👍 Now time to play outside 😊 . . . #homeschool #quarantine #quarantineschool #homemadeplaydough #naturalplaydough #dyefree #dyefreekids #activitiesforkids #activitiesfortoddlers #sensoryplay #sensoryactivities #ecofriendly #glutenfree #glutenfreerecipes #momlife #momsofinstagram #crunchymama #holisticnutrition #homestead #farmlife #simplelife #frugalliving #frugalmom #homestead

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WEEKEND SPENDING PLANS DON'T 1. I have food at home. 2. I am going nowhere. 3. I can save extra or pay my #debts. 4. Repeat step 1. 5. I do not need anything and I know this.

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Suzy School truly is a WILD ride and it's so humbling to watch past students KILL IT in their businesses! ✨ Ok so Ashlie of @thehaircutbox JUST launched her Haircut Box and could the timing be any more perfect?! She's helping you have courage to cut hair at home and save your boy's hair! ⁠ .⁠ .⁠ .⁠ .⁠ .⁠ #suzyschool #ambitions #beyourownboss #bossbabemovement #bosslady #dreamersanddoers #femaleentrepreneur #femalefounders #femalepreneur #haircutsathome #girlbosslife #higherself #highvibes #knowbetterdobetter #boyhaircuttutorial #frugalliving #momlifestyle #mompreneur #purposedriven #savvybusinessowner #diyhaircut #haircuttutorial #boyhaircut #wecandohardthings #womeninbusiness #howtocuthair #womensupportingwomen #womenwholead #amazinglife #coronacuts

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🚨2,000 winner will receive a $25 giftcard to door dash enter a chance to win you just never know check out @thefreebieguy page link is in his bio don’t miss out 😀 (TFS @thefreebieguy 😀) #couponcommunity #couponfriends #repost #togetherwecan #savewithdia #freegiftcards #food #Doordash #frugalliving #neverpayfullprice #budgeting

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Choose recipes that match your enthusiasm for cooking and with consideration for your schedule. ◽ There are also restaurant apps that help you find places to eat and reservations. Many of these services, such as OpenTable, give you points for using their app. Once you get enough points, you can redeem them for a gift card. ◽ Big family meals and parties can easily bust your food budget. Just because you’re hosting, it doesn’t mean you’re the only one that needs to incur the cost. The best idea is to split up the cost by making things potluck or BYOB ◽ Meal planning allows you to make sure you use ingredients fully, instead of letting things go bad. If you buy meats for the week, freeze proteins for later in the week so they don’t spoil. ◽ Check out more ways to save at the link in the bio ◽ #foodprepping #onabudget #savemoney #debtfreegoals #debtfreecommunity #frugalliving #moneysavingtips #debtfreedom

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Your kids will be grateful to what you have taught them which they will carry through life and pass on to generation to generation 🙏 Who agrees?

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My self-care..baking cakes . With two kids and a 6ft 3 partner our ‘snacks’ keep running out far too fast with everyone being home. Partner is still working but comes home for lunch now where as before he would have a daily Greggs 🤦🏼‍♀️ . . I know it’s good fun for the kids to bake cakes and get life skills etc. But today I just needed 30 mins of ‘me’ time. I find baking very calming and satisfying with a reward for everyone at the end. . . Simple Jam butterfly cakes and iced fairy cakes. Anything more fancy than that and the kids probably wouldn’t eat them. 😆 . . They will probably last until the morning... ———————————————————————— #selfcare #metime #organised #organisedmum #sahm #wahm #bakingcakes #butterflycakes #makedo #budgetmum #frugalliving #frugallife #frugal #frugaltips #moneysavingtips #moneysaving #moneysaver #cakes #stayathome #debtfreecommunity #debtfreejourney #baraginshopper #mummyblogger #moneyblogger #savemoney #yummy #thrifty #thriftymum #onabudget #moneysavingexpert

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We agree with this 100%. But hey, if you’ve got multiple sources of income, maybe you are making money while you’re lying in bed!⁠ •⁠ • ⁠ •⁠ •⁠ •⁠ •⁠ • ⁠ •⁠ •⁠ •⁠ #debtfreecommunity#debtfreejourney#babysteps#budget#savemoney#savingmoney#sidehustle#grind#getmoney#studentloans#finance#personalfinance#debt#debtfree#financialindependence#frugalliving#financialplanning#financialfreedom#invest#debt#financialliteracy#budgeting#creditscore#financetips#entrepreneur#business#motivation#success#goals#businessquotes

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Can never have enough popsockets! They’re having a warehouse sale + Free shipping! LINK IN BIO 🏃🏽‍♀️🏃🏽‍♀️🏃🏽‍♀️🏃🏽‍♀️🏃🏽‍♀️🔥🔥🔥🔥 . . Please like this post ❤️ to keep me in your feed 🙏🏽 ✅ Make sure your following @nancy_saves and have post notifications on to never miss a deal ☺️ 🎀LINKS ARE AFFILIATED 🎀 🛍 HAPPY SAVING🛍 . . . . #couponcommunity #couponingcommunity #popsocket #popsockets #sale #deals #warehousesale #frugal #extremecouponing #frugalliving #dealsandsteals #onlinedeals #dealsonline #neverpayfullprice #neverpayfullpriceagain #neverpayretail

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This is my life mantra... My FAVORITE yoga pants got a hole and my hubby said just buy new ones and I said nope not yet...I got out my sewing machine and got them fixed and they are like brand new again 🙌🏼🙌🏼 I do this with EVERYTHING! I use everything all the way up and try to fix anything I can! Makes my money stay in my pockets so much longer!! 💰 Do you guys do this too? Or am I crazy 🤪

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LIFE UPDATE Over the past couple weeks I've struggled with the adjustments to lockdown life. I previously posted about this and I know most of you feel the same. I've had to let go of not being in control of things I normally would and appreciate the things I would normally take forgranted. I'm a great believer in everything happens for a reason so I've just got to go with it. I'm so happy and thankful all my friends and family are well, healthy and safe at home. Worrying I won't pay all my debt off by the end of this year was driving me insane because I set that goal not just for me but because I almost wanted to prove to everyone I can do it. This might not happen due to the situation I'm now in but I just need to keep reminding myself my worth is so much more. Daily phone calls to family and friends have been keeping us all sane I think. My mums been my rock as usual and my partners had to deal with a few tears but he's stood by me. So many people will be feeling lonely and lost at home. If you know someone who's on their own just take 10 minutes out to check on them. So many vunrable people that won't have anyone 😢 a bit of support can make the biggest difference. I've signed up to volunteer and to try do my bit. I'll put the link below for anyone else that would also like to do so. https://www.goodsamapp.org/ #frugalliving #frugallife #frugaltips #resellercommunity #reseller #ebayreseller #ebaylife #debtfreecommunity #debtfree #stayhome

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Hey friends !! I haven't been on here much. Not much to report. We are staying home & keeping to ourselves. . How are you all doing??? . Hugs & prayers to all 🙏🏼 . . . #beichner2020goals #debtfreejourney #frugalliving #beichnerbabies #raisingmytribe #momofboth #planning #frugalmomma #squadgoals #debtsucks #debtfreedom #sahm #daveramsey #babystep1 #babystep2 #snowballdebt  #debtfreecommunity #minimalism #envelopesystem #furmom #beichnerfarminthemaking #dfc #planner #debt🚫 #beweird #cashisking #powercouple #fiitnessjourney

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You can CHOOSE to make excuses for your situations or you can make RESULTS! Only one of these CHOICES will change your situation for the better!! The decision you take today matters , am not here to preach much but to show you how to make cool cash earning online under 5days .I can also teach you my working strategies to maximize your win rate #stealthwealth #biggerpockets #earlyRetirement #Fire #financialfreedom #millennialsretireyoung #retireyoung #personalfinance #moneygoals #debtfreecommunity #debtfreejourney #success #corona #financetips #moneytips #financialindependence #savings #save #debtfreeliving #frugal #daveramsey #creditscore #finances #frugalliving #financialgoals #savemoney #millionairemindset #debtfreedom #buildwealth

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📣Be intentional with your money📣 We can spend more on the things that we LOVE if we spend less on the things that we don't. Keep in mind, you should always be saving, and guys... I'm not sure who decided it was okay to spend money that you don't even have, but cut that sh!t out. Spending below your means is the new black. Vacations, sweet Maverick, and drinks with friends are by far some of my favorite things to spend money on! What do you LOVE spending money on?!

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DOUBLE TAP ❤️ if you agree! 🙌⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🔸I remember my first real adult paycheck! 💵All I could think about was what I wanted to spend my new windfall of money on! Growing up, we're taught that the purpose of having money is to SPEND IT on things that you like. While that is true, we were NOT TAUGHT to save it! 🤦‍♂️⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🔸With unavoidable student loan debt 👨‍🎓(I KNOW!), managing money is one of the toughest things to do. No matter what you do with your money, bills are expected to be paid on time, no matter the circumstance. 😲⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🔸THIS IS WHY, if you control your money, setup a safety net and prepare for your future, you can GAIN CONTROL OF YOUR LIFE! Having financial freedom is TRUE FREEDOM! 🙏⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🔸CREATE a plan of action for your money and make it work for you and your future! 🙌⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ If you enjoyed this, please make sure to LIKE ❤️ and FOLLOW!⠀⠀⠀⠀⠀⠀⠀⠀⠀ --------------------------------⠀⠀⠀⠀⠀⠀⠀⠀⠀ 👉 Follow @the.everyday.millennial⠀⠀⠀⠀⠀⠀⠀⠀⠀ 👉 Tag a Friend⠀⠀⠀⠀⠀⠀⠀⠀⠀ 👉 Save this Post⠀⠀⠀⠀⠀⠀⠀⠀⠀ --------------------------------

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♨️ Does change disturb you or thrill you?⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ What I’ve noticed is when you can think and plan from a place of inner peace, then change can be thrilling.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ When you come from fear, thinking and planning are almost impossible. Every cell in your body goes into defense mode. Even our brain cells curl up like an armadillo to protect no matter what.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🖖You choose.⠀⠀⠀⠀⠀⠀⠀⠀⠀ *⠀⠀⠀⠀⠀⠀⠀⠀⠀ *⠀⠀⠀⠀⠀⠀⠀⠀⠀ *⠀⠀⠀⠀⠀⠀⠀⠀⠀ *⠀⠀⠀⠀⠀⠀⠀⠀⠀ *⠀⠀⠀⠀⠀⠀⠀⠀⠀ *⠀⠀⠀⠀⠀⠀⠀⠀⠀ *⠀⠀⠀⠀⠀⠀⠀⠀⠀ * ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #creativeentrepreneur⠀⠀⠀⠀⠀⠀⠀⠀⠀ #solopreneurs⠀⠀⠀⠀⠀⠀⠀⠀⠀ #creativelifestyle⠀⠀⠀⠀⠀⠀⠀⠀⠀ #freewheelincouple⠀⠀⠀⠀⠀⠀⠀⠀⠀ #happyday💕⠀⠀⠀⠀⠀⠀⠀⠀⠀ #frugalliving⠀⠀⠀⠀⠀⠀⠀⠀⠀ #readmore⠀⠀⠀⠀⠀⠀⠀⠀⠀ #explorefood⠀⠀⠀⠀⠀⠀⠀⠀⠀ #photojournal⠀⠀⠀⠀⠀⠀⠀⠀⠀ #travelcouples⠀⠀⠀⠀⠀⠀⠀⠀⠀ #homelife⠀⠀⠀⠀⠀⠀⠀⠀⠀ #livingfree⠀⠀⠀⠀⠀⠀⠀⠀⠀ #inspiredlife⠀⠀⠀⠀⠀⠀⠀⠀⠀ #lovingkindness⠀⠀⠀⠀⠀⠀⠀⠀⠀ #travelhappy⠀⠀⠀⠀⠀⠀⠀⠀⠀ #walkinginthewoods⠀⠀⠀⠀⠀⠀⠀⠀⠀ #hikingdaily⠀⠀⠀⠀⠀⠀⠀⠀⠀ #hikinglove⠀⠀⠀⠀⠀⠀⠀⠀⠀ #oldvillages⠀⠀⠀⠀⠀⠀⠀⠀⠀ #oldchurches⠀⠀⠀⠀⠀⠀⠀⠀⠀ #gettinglost⠀⠀⠀⠀⠀⠀⠀⠀⠀ #gettingfound⠀⠀⠀⠀⠀⠀⠀⠀⠀ #trustorfear⠀⠀⠀⠀⠀⠀⠀⠀⠀ #fearortrust

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Spent a little time and money this morning at Lowes. . . We have an ugly area on the front of our house that I've wanted to cover up the entire time we've lived here. No time like the present.😜 . . I also bought a rose bush to replace the one that died in my front yard when our drip system broke. . . Those Petunias were an impulse buy but only $1 each 😎. #debtfreecommunity #debtfreeteacher #debtfreejourney

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What I post on Instagram -> the reality of taking a spring time photo while wearing lip gloss. . Happy Saturday! Most of you are on, at least, your second weekend of quarantine. That’s two weeks down! Keep doing what you’re doing. Stay home. Stay safe. Keep us at the hospital safe. Think about what is really “essential” and try to make due with what you already have. . We’ve been much more frugal about what we “need” and if we can substitute it with something we already have. I know the grocery store is a lot of people’s only available outing, but it’s for necessities! . How have you been getting creative to use what you have at home? We’ve been trying some interesting food combinations! . . . . #livingsimply #yourpath #letgooffear #dowhatsbestforyou #thisiswhatinfertilitylookslike #dontgiveuponyourself #bemorewithless #enjoylittlemoments #dateyourspouse #journeytoparenthood #iseeheartseverywhere❤️ #bekindtoyourself #kassandranicole #positivemindset #enjoyinglife #selflovejourney #bodypositivejourney #vsg #selfloveclub #ttcsisters #quarantinecheckup #togetherwecangetthroughanything #quarantinefashion #quarantinelife #flatteningthecurve #frugalliving #mylipglossispoppin 😂

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Spring cleaning in effect ✔️ As per tradition, the room must get 90% messier before it gets cleaner 😝

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A NEW LOOK & A NEW NAME I don't know what's come over me but I think it's because I've been neglecting my page. For the past couple of weeks with everything going on I haven't been giving my page much attention. Today things changed. I've completely come up with a revamp. I wanted clean and simple, everything else will be on my stories or saved on my highlights. I feel so much better knowing I have sorted my page out planned a couple of posts and I have the time to do it all. Hope you all like the new look x #frugalliving #frugallife #frugaltips #resellercommunity #reseller #ebayreseller #ebaylife #debtfreecommunity #debtfree

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Another meatless option for you to try!! And it's only $3.29 per box 😁 . A favorite budgeting tip of mine is to have at least one meatless meal or day during the week. Meat tends to be ther priciest portion of our budget and cutting back a little bit on that while not sacrificing healthy options has been a really great thing for us all around! . What's your favorite meatless meal??

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Next week's meal plan 😊

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Shifting our focus this month to new goals. Husband and I are still able to work (just finished my 3rd week working from home). His job is quite stable while mine could be rocky depending on how things progress. So, we’re saving money to add to our emergency fund - extra mortgage payments have been on hold since March 1. We have a 6-month emergency fund saved up, but we’re all in uncharted territory so I’d rather be conservative. As we continue to social distance (haven’t been anywhere but the grocery in 3 weeks) I want to be more mindful about connecting with friends and family on phone/video/email, especially those who live alone. And bike riding is saving my sanity 🚲 How are you holding up? Have you shifted your focus? #debtfreecommunity #debtfreejourney #frugalliving #babysteps #babystep6 #priorities

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