#FrugalLiving Instagram Photos & Videos

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Latest #FrugalLiving Posts

  • Today felt a bit more like pre lockdown. I have started listing things on the recycling site and @olio_ex again. I'm not really comfortable collecting anything but I'm happy to leave things out for a contactless collection. We are keen not to fall into our old cluttered ways and so today a bunch of little man's old clothes went out of the door and an old radio alarm clock. The chap who picked up the clothes even left us a couple of ice poles! Big man came home from work with some basil plants and a parsley plant he had been given so the circular economy is back in full force here! #reducewaste #lessclutter #lessstuff #frugal #frugalliving #frugalfood #frugalfoodie #frugalmum #doesitsparkjoy #passiton #secondhandeconomy #circulareconomy #givefreely #secondhandclothes #reuse #reuserecycle #reusereducerecycle
  • Today felt a bit more like pre lockdown. I have started listing things on the recycling site and @olio_ex again. I'm not really comfortable collecting anything but I'm happy to leave things out for a contactless collection. We are keen not to fall into our old cluttered ways and so today a bunch of little man's old clothes went out of the door and an old radio alarm clock. The chap who picked up the clothes even left us a couple of ice poles! Big man came home from work with some basil plants and a parsley plant he had been given so the circular economy is back in full force here! #reducewaste #lessclutter #lessstuff #frugal #frugalliving #frugalfood #frugalfoodie #frugalmum #doesitsparkjoy #passiton #secondhandeconomy #circulareconomy #givefreely #secondhandclothes #reuse #reuserecycle #reusereducerecycle

  •  0  0  2 minutes ago
  • Here’s a snapshot of this week’s video. Check out my YouTube channel for the full video. Link in the bio.
  • Here’s a snapshot of this week’s video. Check out my YouTube channel for the full video. Link in the bio.

  •  0  1  5 minutes ago
  • Still deciding what to store in my breadbox section of the Hoosier cabinet 🤔 For now this acacia bowl has been living there, and it typically has been holding avocados 🥑 The best part is it’s from a garage sale... for 2 bucks! Target’s Threshold brand. Have you been hitting any good garage/community sales? We’ve found some good deals this summer 😊
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#frugalliving #acaciawood #servingbowl #garagesalefinds #garagesale #homeorganizing #homedecor #wooddecor #farmhousestyle #homedecor #goodfind #gooddeal #targetproducts #thresholdtarget #acaciabowl #myhomedesign #decisionsdecisions #avocadobowl  #homefurnishings
  • Still deciding what to store in my breadbox section of the Hoosier cabinet 🤔 For now this acacia bowl has been living there, and it typically has been holding avocados 🥑 The best part is it’s from a garage sale... for 2 bucks! Target’s Threshold brand. Have you been hitting any good garage/community sales? We’ve found some good deals this summer 😊
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    #frugalliving #acaciawood #servingbowl #garagesalefinds #garagesale #homeorganizing #homedecor #wooddecor #farmhousestyle #homedecor #goodfind #gooddeal #targetproducts #thresholdtarget #acaciabowl #myhomedesign #decisionsdecisions #avocadobowl #homefurnishings

  •  0  0  9 minutes ago
  • Mainstays Single Drawer End Table, Multiple Colors.
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LINK IN THE BIO @dealcurb_deals . To catch thousands of other amazing daily deals go to DealCurb.com
  • Mainstays Single Drawer End Table, Multiple Colors.
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    LINK IN THE BIO @dealcurb_deals . To catch thousands of other amazing daily deals go to DealCurb.com

  •  2  1  13 minutes ago
  • Always be dedicated to positive things watch out for opportunities and seize them you can shine if you work hard.
Believe in yourself ,there is no less on what you can achieve, /Binary option, Forex trade and Bitcoin mining gives opportunities to startup uplifting  that will eradicate financial worries.. Invest now for a better future📈📉💰💴💲💲💹
#stealthwealth #biggerpockets #earlyRetirement #Fire #financialfreedom #millennialsretireyoung #retireyoung #personalfinance #moneygoals #debtfreecommunity #debtfreejourney #success #investments #financetips #moneytips #financialindependence #savings #save #debtfreeliving #frugal #daveramsey #creditscore #finances #frugalliving #financialgoals #savemoney #millionairemindset #debtfreedom #buildwealth
  • Always be dedicated to positive things watch out for opportunities and seize them you can shine if you work hard.
    Believe in yourself ,there is no less on what you can achieve, /Binary option, Forex trade and Bitcoin mining gives opportunities to startup uplifting that will eradicate financial worries.. Invest now for a better future📈📉💰💴💲💲💹
    #stealthwealth #biggerpockets #earlyRetirement #Fire #financialfreedom #millennialsretireyoung #retireyoung #personalfinance #moneygoals #debtfreecommunity #debtfreejourney #success #investments #financetips #moneytips #financialindependence #savings #save #debtfreeliving #frugal #daveramsey #creditscore #finances #frugalliving #financialgoals #savemoney #millionairemindset #debtfreedom #buildwealth

  •  0  0  14 minutes ago
  • July Side Hustle 🍊
A lot of my sales in July were from household items I decluttered, which makes this figure even more satisfying 😌 I also smashed through surveys in my down time which helped bump up my final figure 💪 
How many side hustles do you use to bump up your cash? Do you have side hustle aims each month? 
#sidehustle #sellingonline #surveys #pureprofile #ebay #facebookmarketplace #valuedopinions #sahm #stayathomemum #budget #budgetmum #frugal #frugalliving #italladdsup #declutter #decluttering #dfc #debtfree #debtfreecommunity #aussiedfc #debtfreeaustralia #debt
  • July Side Hustle 🍊
    A lot of my sales in July were from household items I decluttered, which makes this figure even more satisfying 😌 I also smashed through surveys in my down time which helped bump up my final figure 💪
    How many side hustles do you use to bump up your cash? Do you have side hustle aims each month?
    #sidehustle #sellingonline #surveys #pureprofile #ebay #facebookmarketplace #valuedopinions #sahm #stayathomemum #budget #budgetmum #frugal #frugalliving #italladdsup #declutter #decluttering #dfc #debtfree #debtfreecommunity #aussiedfc #debtfreeaustralia #debt

  •  4  0  17 minutes ago
  • 40in TV for $9😱😱😱 this May or may not be Walmart’s newest generic brand but it’s not bad quality as I’ve had this brand myself before upgraded...
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Looks like a lot of stores had it and sold out quickly but if you swipe to the end you’ll see a few stores who just may still have some in stock..
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Are you willing to go for the hunt😏
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#coupon #coupons #savingmoney #couponer #hangtags #couponers #extremecouponer #extremecouponers #couponcommunity #couponsismoney #extremecouponcommunity #flcouponer #frugalliving #cheapskate #freebies #cheapies #savings #ipaywithcoupons #couponersunite #neverpayretail #neverpayfullprice #rebates #moneymakers #couponfamily #peelies #headsup #couponing #dealconnoisseur #dealciples #dealhunter
  • 40in TV for $9😱😱😱 this May or may not be Walmart’s newest generic brand but it’s not bad quality as I’ve had this brand myself before upgraded...
    .
    Looks like a lot of stores had it and sold out quickly but if you swipe to the end you’ll see a few stores who just may still have some in stock..
    .
    .
    Are you willing to go for the hunt😏
    .
    .
    .

    #coupon #coupons #savingmoney #couponer #hangtags #couponers #extremecouponer #extremecouponers #couponcommunity #couponsismoney #extremecouponcommunity #flcouponer #frugalliving #cheapskate #freebies #cheapies #savings #ipaywithcoupons #couponersunite #neverpayretail #neverpayfullprice #rebates #moneymakers #couponfamily #peelies #headsup #couponing #dealconnoisseur #dealciples #dealhunter

  •  0  0  20 minutes ago
  • HSA Covered Expenses⁠
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When we were looking into opening HSAs, we found that the types of medical expenses that are covered were quite robust. ⁠
⁠
Most providers give a Health Savings Account card that can be used for medical expenses. ⁠
⁠
Some examples include: ⁠
- doctors visits⁠
- contacts/glasses⁠
- tooth cleanings⁠/dental
- prescriptions⁠
and more!⁠
⁠
What are some other expenses that you've found that can be put on your HSA account?⁠

DISCLAIMER: this post is for educational purposes only. We are NOT financial experts, so invest at your own risk.
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#frugalfamilygoals #frugalliving #frugalfamily #financialindependence #debtfreecommunity #personalfinance #minimalism #goals #moneygoals #frugal #savemoney #youneedabudget #budget #budgeting #debtfreejourney #financialliteracy #thinkandgrowrich #livelikenooneelse #liveonabudget #debtfreedreams #debtfreedom #financialfreedom #stayathomemom #momonabudget #moneysavingmom #cashisking #debtisdumb #budgetlife #savingmoney #moneymaking
  • HSA Covered Expenses⁠

    When we were looking into opening HSAs, we found that the types of medical expenses that are covered were quite robust. ⁠

    Most providers give a Health Savings Account card that can be used for medical expenses. ⁠

    Some examples include: ⁠
    - doctors visits⁠
    - contacts/glasses⁠
    - tooth cleanings⁠/dental
    - prescriptions⁠
    and more!⁠

    What are some other expenses that you've found that can be put on your HSA account?⁠

    DISCLAIMER: this post is for educational purposes only. We are NOT financial experts, so invest at your own risk.
    ⁠.⁠
    .⁠
    .⁠
    #frugalfamilygoals #frugalliving #frugalfamily #financialindependence #debtfreecommunity #personalfinance #minimalism #goals #moneygoals #frugal #savemoney #youneedabudget #budget #budgeting #debtfreejourney #financialliteracy #thinkandgrowrich #livelikenooneelse #liveonabudget #debtfreedreams #debtfreedom #financialfreedom #stayathomemom #momonabudget #moneysavingmom #cashisking #debtisdumb #budgetlife #savingmoney #moneymaking

  •  4  0  23 minutes ago
  • I share how to start building an emergency fund in Episode 29 of @findyourfreedom_podcast (👈link in bio). In this episode, I talk about what an emergency fund is, when you should start building an emergency fund, how large your emergency fund should be, how to start saving even if you can’t save much, where to keep your emergency fund, and when it’s ok to use your emergency fund.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you’re curious about how to start and use an emergency fund, take a listen to this episode.⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it! Link in bio 👉 @findyourfreedom_podcast
  • I share how to start building an emergency fund in Episode 29 of @findyourfreedom_podcast (👈link in bio). In this episode, I talk about what an emergency fund is, when you should start building an emergency fund, how large your emergency fund should be, how to start saving even if you can’t save much, where to keep your emergency fund, and when it’s ok to use your emergency fund.⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    If you’re curious about how to start and use an emergency fund, take a listen to this episode.⠀⠀⠀⠀⠀⠀⠀⠀⠀
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    If you enjoy it, please subscribe and share with a friend. Also, leave us a rating and review on Apple Podcasts, I’d really appreciate it! Link in bio 👉 @findyourfreedom_podcast

  •  1  2  27 minutes ago
  • Travel Tips for Big Savings

Kalie and I have been wanting to go on a vacation for quite some time. While doing research and comparing costs, I found out my employer has contract travel rates for airfare, hotels, and car rentals. The car rental rate alone is saving us $400! 💸

All that to say, if you’re looking for ways to save on your next vacation, here are some helpful tips that could lead to BIG savings 💰

1. If you work for a large company, check to see whether your company has contract travel rates for its employees. If the company allows you to use their contracted rates for personal use, this could save you hundreds on airfare, car rentals, and hotels.

2. Check with your credit card company to see what types of travel benefits they might offer. We have the Chase Sapphire Card, which is legit. They offer double points on travel expenses, will cover damages to rental cars, provide emergency roadside assistance, reimburse you for trip delays or cancellations due to reasons out of your control, and will even reimburse you for delayed baggage or lost luggage. This could definitely be a cost saver… and I didn’t even mention the fact that you can redeem your points for travel

3. If you’re a college graduate, you could check with your Alma Mater to see whether they have any Alumni discounts. Often times, schools have affiliate discounts for hotels and car rentals that could save you 5-10%. Definitely worth it!

We hope this helps! If you have some travel tips we didn’t include, please list the ways you save money when planning a vacation 😊
  • Travel Tips for Big Savings

    Kalie and I have been wanting to go on a vacation for quite some time. While doing research and comparing costs, I found out my employer has contract travel rates for airfare, hotels, and car rentals. The car rental rate alone is saving us $400! 💸

    All that to say, if you’re looking for ways to save on your next vacation, here are some helpful tips that could lead to BIG savings 💰

    1. If you work for a large company, check to see whether your company has contract travel rates for its employees. If the company allows you to use their contracted rates for personal use, this could save you hundreds on airfare, car rentals, and hotels.

    2. Check with your credit card company to see what types of travel benefits they might offer. We have the Chase Sapphire Card, which is legit. They offer double points on travel expenses, will cover damages to rental cars, provide emergency roadside assistance, reimburse you for trip delays or cancellations due to reasons out of your control, and will even reimburse you for delayed baggage or lost luggage. This could definitely be a cost saver… and I didn’t even mention the fact that you can redeem your points for travel

    3. If you’re a college graduate, you could check with your Alma Mater to see whether they have any Alumni discounts. Often times, schools have affiliate discounts for hotels and car rentals that could save you 5-10%. Definitely worth it!

    We hope this helps! If you have some travel tips we didn’t include, please list the ways you save money when planning a vacation 😊

  •  8  3  36 minutes ago
  • Please smash that ♥️ button before you🏃🏻‍♂️ 🏃🏻‍♂️ To snag this deal. Thank you🙌🏼
•
📲 Click link in my bio 🎯@amazondealshunter  to grab this deal.
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•
Hop on over to Amazon where you can score this highly-rated💰 LCD Writing Drawing Tablet Only $3.99 Shipped on Amazon (Regularly $19.95) 💰when you use promo code USMXKOQ6 at checkout.

Can be used as an early education toy, dictation board, calculation paper, drawing board, message board.
•
•
Join my telegram channel at https://t.me/whileushop
  • Please smash that ♥️ button before you🏃🏻‍♂️ 🏃🏻‍♂️ To snag this deal. Thank you🙌🏼

    📲 Click link in my bio 🎯@amazondealshunter  to grab this deal.


    Hop on over to Amazon where you can score this highly-rated💰 LCD Writing Drawing Tablet Only $3.99 Shipped on Amazon (Regularly $19.95) 💰when you use promo code USMXKOQ6 at checkout.

    Can be used as an early education toy, dictation board, calculation paper, drawing board, message board.


    Join my telegram channel at https://t.me/whileushop

  •  35  3  39 minutes ago
  • Please smash that ♥️ button before you🏃🏻‍♂️ 🏃🏻‍♂️ To snag this deal. Thank you🙌🏼
•
📲 Click link in my bio 🎯@freesamplefinder  to grab this deal.
•
•
Hop on over to Amazon where you can score this highly-rated💰 Retractable Garden Fence Only $14.99 Shipped on Amazon (Regularly $74.95) 💰when you use promo code 5IK99RNY at checkout.

The garden fence is a willow wood, and the artificial green vines on the top are artificially tied.
•
•
Join my telegram channel at https://t.me/whileushop
  • Please smash that ♥️ button before you🏃🏻‍♂️ 🏃🏻‍♂️ To snag this deal. Thank you🙌🏼

    📲 Click link in my bio 🎯@freesamplefinder  to grab this deal.


    Hop on over to Amazon where you can score this highly-rated💰 Retractable Garden Fence Only $14.99 Shipped on Amazon (Regularly $74.95) 💰when you use promo code 5IK99RNY at checkout.

    The garden fence is a willow wood, and the artificial green vines on the top are artificially tied.


    Join my telegram channel at https://t.me/whileushop

  •  7  1  41 minutes ago
  • This feels surreal😱. I have 50 days of my career left. A career I worked my ass off to get after 16 years of school...but I'm still doing it😉.⁣

The life I want doesn't play nice with a 40-70 hour work week so it's time to take the leap and change it💪🏾. The wild things happening during 2020 have only solidified this belief for me. Time is the most precious commodity, so I’m taking it back⏲️. It’s the final countdown people🙌🏾!
  • This feels surreal😱. I have 50 days of my career left. A career I worked my ass off to get after 16 years of school...but I'm still doing it😉.⁣

    The life I want doesn't play nice with a 40-70 hour work week so it's time to take the leap and change it💪🏾. The wild things happening during 2020 have only solidified this belief for me. Time is the most precious commodity, so I’m taking it back⏲️. It’s the final countdown people🙌🏾!

  •  91  23  46 minutes ago
  • Me today 🤣🤣
  • Me today 🤣🤣

  •  5  1  48 minutes ago
  • Please smash that ♥️ button before you🏃🏻‍♂️ 🏃🏻‍♂️ To snag this deal. Thank you🙌🏼
•
📲 Click link in my bio 🎯@crazycouponfinder  to grab this deal.
•
•
Hop on over to Amazon where you can score this highly-rated💰 Solar Lantern Dancing Lights Only $11.49 Shipped on Amazon (Regularly $22.99) 💰when you use promo code 4TQMPUDY at checkout.

Solar lantern lights cast a soft, mood-enhancing, pleasant glow and look like real flickering flames. Upgraded with 3 unique lighting modes- flickering, breathing and solid, and crafted superb with special animal pattern, our solar flame lights will be your best decorative lights.
•
•
Join my telegram channel at https://t.me/whileushop
  • Please smash that ♥️ button before you🏃🏻‍♂️ 🏃🏻‍♂️ To snag this deal. Thank you🙌🏼

    📲 Click link in my bio 🎯@crazycouponfinder  to grab this deal.


    Hop on over to Amazon where you can score this highly-rated💰 Solar Lantern Dancing Lights Only $11.49 Shipped on Amazon (Regularly $22.99) 💰when you use promo code 4TQMPUDY at checkout.

    Solar lantern lights cast a soft, mood-enhancing, pleasant glow and look like real flickering flames. Upgraded with 3 unique lighting modes- flickering, breathing and solid, and crafted superb with special animal pattern, our solar flame lights will be your best decorative lights.


    Join my telegram channel at https://t.me/whileushop

  •  2  1  50 minutes ago
  • ----------------------------
08.12 Wednesday MLB
----------------------------
MLB 01:  HD: Chicago White Sox at Detroit Tigers (08.12-1:10PM ET)
MLB 01:  SD: Chicago White Sox at Detroit Tigers (08.12-1:10PM ET)
MLB 02:  HD: Arizona Diamondbacks at Colorado Rockies (08.12-3:10PM ET)
MLB 03:  HD: Oakland Athletics at Los Angeles Angels (08.12-4:10PM ET)
MLB 03:  SD: Oakland Athletics at Los Angeles Angels (08.12-4:10PM ET)
MLB 04:  HD: Chicago Cubs at Cleveland Indians (08.12-6:10PM ET)
MLB 05:  HD: Miami Marlins at Toronto Blue Jays (08.12-6:37PM ET)
MLB 06:  HD: Kansas City Royals at Cincinnati Reds (08.12-6:40PM ET)
MLB 06:  SD: Kansas City Royals at Cincinnati Reds (08.12-6:40PM ET)
MLB 07:  HD: Baltimore Orioles at Philadelphia Phillies (08.12-7:05PM ET)
MLB 07:  SD: Baltimore Orioles at Philadelphia Phillies (08.12-7:05PM ET)
MLB 08:  HD: Atlanta Braves at New York Yankees (08.12-7:05PM ET)
MLB 09:  HD: Washington Nationals at New York Mets (08.12-7:10PM ET)
MLB 09:  SD: Washington National
  • ----------------------------
    08.12 Wednesday MLB
    ----------------------------
    MLB 01: HD: Chicago White Sox at Detroit Tigers (08.12-1:10PM ET)
    MLB 01: SD: Chicago White Sox at Detroit Tigers (08.12-1:10PM ET)
    MLB 02: HD: Arizona Diamondbacks at Colorado Rockies (08.12-3:10PM ET)
    MLB 03: HD: Oakland Athletics at Los Angeles Angels (08.12-4:10PM ET)
    MLB 03: SD: Oakland Athletics at Los Angeles Angels (08.12-4:10PM ET)
    MLB 04: HD: Chicago Cubs at Cleveland Indians (08.12-6:10PM ET)
    MLB 05: HD: Miami Marlins at Toronto Blue Jays (08.12-6:37PM ET)
    MLB 06: HD: Kansas City Royals at Cincinnati Reds (08.12-6:40PM ET)
    MLB 06: SD: Kansas City Royals at Cincinnati Reds (08.12-6:40PM ET)
    MLB 07: HD: Baltimore Orioles at Philadelphia Phillies (08.12-7:05PM ET)
    MLB 07: SD: Baltimore Orioles at Philadelphia Phillies (08.12-7:05PM ET)
    MLB 08: HD: Atlanta Braves at New York Yankees (08.12-7:05PM ET)
    MLB 09: HD: Washington Nationals at New York Mets (08.12-7:10PM ET)
    MLB 09: SD: Washington National

  •  1  1  52 minutes ago
  • --------------------------------------
8.12 Wednesday NIGHT GAMES
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NBA LP 1: HD: Indiana Pacers at Houston Rockets (8.12-4PM ET)
NBA LP 1:  SD: Indiana Pacers at Houston Rockets (8.12-4PM ET)
NBA LP 2: HD: Toronto Raptors at Philadelphia 76ers (8.12-6:30PM ET)
NBA LP 2:  SD: Toronto Raptors at Philadelphia 76ers (8.12-6:30PM ET)
NBA LP 3: HD: Miami Heat at Oklahoma City Thunder (8.12-8PM ET)
NBA LP 4: HD: LA Clippers at Denver Nuggets (8.12-9PM ET)
  • --------------------------------------
    8.12 Wednesday NIGHT GAMES
    --------------------------------------
    NBA LP 1: HD: Indiana Pacers at Houston Rockets (8.12-4PM ET)
    NBA LP 1: SD: Indiana Pacers at Houston Rockets (8.12-4PM ET)
    NBA LP 2: HD: Toronto Raptors at Philadelphia 76ers (8.12-6:30PM ET)
    NBA LP 2: SD: Toronto Raptors at Philadelphia 76ers (8.12-6:30PM ET)
    NBA LP 3: HD: Miami Heat at Oklahoma City Thunder (8.12-8PM ET)
    NBA LP 4: HD: LA Clippers at Denver Nuggets (8.12-9PM ET)

  •  1  1  53 minutes ago

Top #FrugalLiving Posts

  • 💸MORE INCOME, MORE OPPORTUNITIES💸

There is only so much you can cut from your budget and still live the life you want.

When I started I had to do both. I had to cut everything from my budget and try to increase my income. I was living on my teaching salary that barely covered my $2,000 minimum student loan payment.

5 years later, I don’t have to do that anymore. I have created multiple income streams that I enjoy. This allows me to still reach my financial goals AND spend my money in valuable ways.

You CAN do both, if you’re intentional about it.

This month, for the first time ever, I broke $8,000 in income pretax. I am so incredibly proud of this month.

My income doesn’t just come from my teaching salary. My salary hasn’t provided much advancement in the last 5 years and I knew that from the beginning.

That’s why I added more income streams. Even my salary has additional side income because I work an after school program I negotiated into my salary.

Here is where my income came from this month:

Teaching Salary: $4,615.40
Summer School: $2,947.50
Freelancing: $300
Instructional Design Internship: $329
Tutoring: $180
VIPKID: $63

This is how I have paid off $175k in student loan debt since November 2015. Intentional spending with increasing my income has changed my life.

How have you increased your income to reach your goals?
  • 💸MORE INCOME, MORE OPPORTUNITIES💸

    There is only so much you can cut from your budget and still live the life you want.

    When I started I had to do both. I had to cut everything from my budget and try to increase my income. I was living on my teaching salary that barely covered my $2,000 minimum student loan payment.

    5 years later, I don’t have to do that anymore. I have created multiple income streams that I enjoy. This allows me to still reach my financial goals AND spend my money in valuable ways.

    You CAN do both, if you’re intentional about it.

    This month, for the first time ever, I broke $8,000 in income pretax. I am so incredibly proud of this month.

    My income doesn’t just come from my teaching salary. My salary hasn’t provided much advancement in the last 5 years and I knew that from the beginning.

    That’s why I added more income streams. Even my salary has additional side income because I work an after school program I negotiated into my salary.

    Here is where my income came from this month:

    Teaching Salary: $4,615.40
    Summer School: $2,947.50
    Freelancing: $300
    Instructional Design Internship: $329
    Tutoring: $180
    VIPKID: $63

    This is how I have paid off $175k in student loan debt since November 2015. Intentional spending with increasing my income has changed my life.

    How have you increased your income to reach your goals?

  •  152  57  29 July, 2020
  • I’m out here Living Frugal in these streets! Are you?!?

Get your #LivingFrugal t-shirt now and use the FREDDY20 discount code to get 20% off your order!

Click the link in my bio to grab your shirt today! Shirts are available in black and white.
  • I’m out here Living Frugal in these streets! Are you?!?

    Get your #LivingFrugal t-shirt now and use the FREDDY20 discount code to get 20% off your order!

    Click the link in my bio to grab your shirt today! Shirts are available in black and white.

  •  110  12  7 August, 2020
  • I'm a Savage 😜

Frugal| Friendly| Trendy
  • I'm a Savage 😜

    Frugal| Friendly| Trendy

  •  127  18  5 August, 2020
  • I had fun getting to answer questions & give tips on money & paying off debt💃🏻💃🏻
▫️
Thank you @onesavvydollar for the opportunity to share!
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"I operated on an “out of sight, out of mind” lifestyle; I just lived my life not knowing the state of my finances. @choosefrugal gives very specific steps on how she paid off $46,0000 in 24 months.
https://onesavvydollar.com/my-debt-payoff-story-how-charis-paid-off-46000-in-24-months/"
  • I had fun getting to answer questions & give tips on money & paying off debt💃🏻💃🏻
    ▫️
    Thank you @onesavvydollar for the opportunity to share!
    ---
    "I operated on an “out of sight, out of mind” lifestyle; I just lived my life not knowing the state of my finances. @choosefrugal gives very specific steps on how she paid off $46,0000 in 24 months.
    https://onesavvydollar.com/my-debt-payoff-story-how-charis-paid-off-46000-in-24-months/"

  •  172  10  31 July, 2020
  • I ❤️ the dollar store! My husband loses his reading glasses way too often but if we only spend $1 on them it's fine🤦🏻‍♀️
▫️
Do you shop at the dollar store? What do you buy?
  • I ❤️ the dollar store! My husband loses his reading glasses way too often but if we only spend $1 on them it's fine🤦🏻‍♀️
    ▫️
    Do you shop at the dollar store? What do you buy?

  •  191  7  27 July, 2020
  • I get this question a lot: "I'm in debt, but I don't want to delay investing." I love that because you wanna start building wealth. But here's the thing, right now you're getting crushed by negative interest. Before you start taking advantage of the positive compound growth you have to stop the bleeding.⁣‎
⁣‎
So here's how you go from being in debt to being rich: Go HAM on the debt. Just go absolutely ham on it. Dial your living expenses down to nothing. Pick up extra shifts. Bartend at night. Sell everything. Don't just "make the payment". Every month throw MASSIVE chunks at that debt. Figure out how FAST you can get there. Measure it in months and count them down. GO. HAM.⁣‎
⁣‎
THEN, when you're 100% debt free (except a mortgage), ease up a bit. Take HALF of those debt payments you were making and SPEND THEM. Go out to dinner. Buy the outfit you hadn't for two years. Go on vacation.⁣‎
⁣‎
BUT WITH THE OTHER HALF, invest it each and every month forever. For ALMOST any numbers of debt and income, this "go ham" strategy will result in millionaire status later in life. The "keep doing the same thing" strategy will result in being broke forever.⁣‎
⁣‎
As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.⁣‎
⁣‎
- Jeremy⁣‎
‎
p.s. People always ask me what "go ham" means. It means when you just absolutely go ham on something. Like just go ham on it.‎
⁣‎
#goham #debtfree #debtfreejourney #escalator ⁣#personalfinance #frugal #frugalliving #debtfreedom #firecommunity #debtisdumb
  • I get this question a lot: "I'm in debt, but I don't want to delay investing." I love that because you wanna start building wealth. But here's the thing, right now you're getting crushed by negative interest. Before you start taking advantage of the positive compound growth you have to stop the bleeding.⁣‎
    ⁣‎
    So here's how you go from being in debt to being rich: Go HAM on the debt. Just go absolutely ham on it. Dial your living expenses down to nothing. Pick up extra shifts. Bartend at night. Sell everything. Don't just "make the payment". Every month throw MASSIVE chunks at that debt. Figure out how FAST you can get there. Measure it in months and count them down. GO. HAM.⁣‎
    ⁣‎
    THEN, when you're 100% debt free (except a mortgage), ease up a bit. Take HALF of those debt payments you were making and SPEND THEM. Go out to dinner. Buy the outfit you hadn't for two years. Go on vacation.⁣‎
    ⁣‎
    BUT WITH THE OTHER HALF, invest it each and every month forever. For ALMOST any numbers of debt and income, this "go ham" strategy will result in millionaire status later in life. The "keep doing the same thing" strategy will result in being broke forever.⁣‎
    ⁣‎
    As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.⁣‎
    ⁣‎
    - Jeremy⁣‎

    p.s. People always ask me what "go ham" means. It means when you just absolutely go ham on something. Like just go ham on it.‎
    ⁣‎
    #goham #debtfree #debtfreejourney #escalator#personalfinance #frugal #frugalliving #debtfreedom #firecommunity #debtisdumb

  •  2,074  248  9 August, 2020
  • Ever had a burning money question? It’s Money Week (woohoo!) and this year the theme is “just wondering”.

So I figured, what better time to have a chat? Hit me with anything money questions you’ve been wondering about OR tell me something you’ve learned that you used to wonder about. All questions are good questions!

Something I used to wonder about was how other people managed to be so chill about money - I’ve since realised it’s honestly down to a savings account! Research shows one of the biggest things we can do for our money happiness is to simply start a savings account, and pay into it regularly. It really is the small stuff huh? 

(Don’t forget this is all chat about the general rules of the game, and if you need individual advice, you’ll need to talk to a financial advisor 😉)

#moneyweek #newzealand #debtfreecommunity #debtfreejourney #debtfree #frugalliving #frugallife #financialfreedom #financialindependence
  • Ever had a burning money question? It’s Money Week (woohoo!) and this year the theme is “just wondering”.

    So I figured, what better time to have a chat? Hit me with anything money questions you’ve been wondering about OR tell me something you’ve learned that you used to wonder about. All questions are good questions!

    Something I used to wonder about was how other people managed to be so chill about money - I’ve since realised it’s honestly down to a savings account! Research shows one of the biggest things we can do for our money happiness is to simply start a savings account, and pay into it regularly. It really is the small stuff huh?

    (Don’t forget this is all chat about the general rules of the game, and if you need individual advice, you’ll need to talk to a financial advisor 😉)

    #moneyweek #newzealand #debtfreecommunity #debtfreejourney #debtfree #frugalliving #frugallife #financialfreedom #financialindependence

  •  208  36  11 August, 2020
  • My living room won’t be trending on ‘home inspo’ tag anytime soon. Yes that is a 70/80’s fireplace. And yes it does go across half the room. 
.
.
With my account I want to ‘keep it real’ of a family on one income on a journey to becoming debt free by being frugal. 
.
.
Sometimes I find it hard to relate to accounts on Instagram. A lot of the #debtfreecommunityuk have beautiful homes, lovely cars, and manage to pay off hundreds each month to their debt. 👏  I’m on the opposite end to those. I have a clapped out car ‘shitty bang bang’ which looks like it’s come fresh off the scrap heap currently. I live in a old fashion private rental complete with peach bathroom suite, 80’s kitchen with tiled work top 🤢 and a huge concrete block 80’s fireplace in the living room 🤪 after paying out our living expense bills we are left with £0 at the end of the month. 
.
.
This isn’t a jealousy post (although I’d love all of those things of course!). It’s a post to say we are all on different paths.. try not to compare yourself when you don’t know other peoples ‘paths’. 
Some live at home with parents, some live in social housing, some had help onto the housing ladder, some live in affordable areas, some pay London rates, some rent from family, some private rent they just can’t afford , some are paying mortgages they just can’t afford, some busted their butts off to get onto the housing ladder, others were gifted onto the housing ladder and not forgetting some don’t have a place to call home. 😔
.
.
Anyone out there reading this that feels like they can’t relate to many accounts on the luxurious world of instagram. I want you to know I’m here 🙋🏼‍♀️ things won’t be a struggle forever. We can change our paths.  I hope I can bring you some sort of motivation with my account. 😘 #samegoaldifferentpath 
———————————————————————
#grateful #ourrentedhome #itwontbeforever #differentpaths #differentpathsamegoal
  • My living room won’t be trending on ‘home inspo’ tag anytime soon. Yes that is a 70/80’s fireplace. And yes it does go across half the room.
    .
    .
    With my account I want to ‘keep it real’ of a family on one income on a journey to becoming debt free by being frugal.
    .
    .
    Sometimes I find it hard to relate to accounts on Instagram. A lot of the #debtfreecommunityuk have beautiful homes, lovely cars, and manage to pay off hundreds each month to their debt. 👏 I’m on the opposite end to those. I have a clapped out car ‘shitty bang bang’ which looks like it’s come fresh off the scrap heap currently. I live in a old fashion private rental complete with peach bathroom suite, 80’s kitchen with tiled work top 🤢 and a huge concrete block 80’s fireplace in the living room 🤪 after paying out our living expense bills we are left with £0 at the end of the month.
    .
    .
    This isn’t a jealousy post (although I’d love all of those things of course!). It’s a post to say we are all on different paths.. try not to compare yourself when you don’t know other peoples ‘paths’.
    Some live at home with parents, some live in social housing, some had help onto the housing ladder, some live in affordable areas, some pay London rates, some rent from family, some private rent they just can’t afford , some are paying mortgages they just can’t afford, some busted their butts off to get onto the housing ladder, others were gifted onto the housing ladder and not forgetting some don’t have a place to call home. 😔
    .
    .
    Anyone out there reading this that feels like they can’t relate to many accounts on the luxurious world of instagram. I want you to know I’m here 🙋🏼‍♀️ things won’t be a struggle forever. We can change our paths. I hope I can bring you some sort of motivation with my account. 😘 #samegoaldifferentpath
    ———————————————————————
    #grateful #ourrentedhome #itwontbeforever #differentpaths #differentpathsamegoal

  •  627  138  8 August, 2020