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#cashisking83,114 POSTS

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User Image fjellgeita7 Posted: Jan 18, 2018 4:10 PM (UTC)

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When your EGO is bigger than your AMIGO# kjøpt meg dollar for alle penga$$$$ #cashisking
User Image debtstoriches Posted: Jan 18, 2018 3:34 PM (UTC)

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Is your debt an income problem or a spending problem? When I started out I was making $10-20K annually for 9 years while I was in school. I’m not afraid to admit that my income problem turned into a spending problem when I had access to a line of credit for professional students, and later when I was making $65K working full time. I was blaming everything but myself - taxes are too high, rent is too high, groceries are too high. The truth is that I could more than make it work once I stopped making those excuses and took control of my life. I went from struggling to pay minimum payments, blaming the world for my problems to paying $1,000+/month over the minimum payments on average. That $1,000 sure wasn’t an income problem, it was a spending problem. You’ll never be able to out-earn your spending, because it will always increase to the next tier. If you have a legitimate income problem, that’s a completely different story and I’ve obviously been there too.. but be honest with yourself - brutally honest! - about it. You’ll never be able to make a change if you don’t.
User Image debtstoriches Posted: Jan 18, 2018 3:01 PM (UTC)

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I’m Canada they’re raising interest rates, partially in the hope of prompting consumers to pay down their debt instead of taking on more. Canadians have the highest debt to GDP ratios in the world..
User Image minimalmoney_mindset Posted: Jan 18, 2018 2:43 PM (UTC)

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For my 100th post I'd like to share the budget I use and love, the budget that keeps me in check. It separates your money into groups so you can see more clearly how your money works, helps you to spend more consciously, and plan better.
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It's called The One Number Strategy and it puts all of your expenses into four groups, and then focuses most attention on the weakest link: our variable spending expenses!
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Whatever variable spending adds up to is the one number you think about day in and day out. Let the other three groups do what they have to do. Think of your variable spending as your paycheck, you could even pay yourself once a week or month. Think of your actual paychecks as funding your overall budget.
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I love separating my money like this because it shows me very clearly that my money has different jobs to do. I understand what money I can't touch, I always go straight to Spending for everything. The groups also help me manage it all better. Fixed expenses require a different plan of attack than sinking funds for example, or I can see at a glance that maybe savings is a little low at 8% of income, or that spending is too high at 35% of income, etc.
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I've got all this in a spreadsheet setup on my phone, if anyone is interested just DM me…
User Image millennialwithdebt Posted: Jan 18, 2018 2:45 PM (UTC)

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My boyfriend is also a Dave Ramsey fan but we keep our finances separate. Neither of us come from rich families and both our parents/older siblings are incredibly financially irresponsible. We never had good role models when it came to finances but through them, we saw what we didn’t want to be which is another reason why we are pursuing this journey. It’s hard when the people closest to you do not understand your journey and they think you’re “selfish” because you choose not to spend money going on spontaneous trips, constantly going out to eat, etc. We don’t have any friends who understand either so it’s tough at times. At least we have each other and I have this amazing community of support. That’s what really keeps me pushing on the daily is knowing that I will be debt free! Forget the negativity, keep doing what you know is best for yourself. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#debtfreecommunity #debtfreejourney #frugal #budget #daveramsey #budgetliving #babystep2 #debtfree #financialpeaceuniversity #debtsnowball #debtisdumb #cashisking #budgeting #debtfreeaf #millennialwithdebt
User Image pappawallgren Posted: Jan 18, 2018 1:55 PM (UTC)

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Hoppas alla haft en bra vecka😊 snart helg och då vankas det jobb💰 #helg #work #cashisking
User Image accountingforentreprenuers Posted: Jan 18, 2018 2:26 PM (UTC)

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Calculate and track your Personal Net Worth 📈.
User Image financialfreedom33 Posted: Jan 18, 2018 2:27 PM (UTC)

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First of all , I have nothing against credit repair companies. ———- “You are not what you drive” #themillionairenextdoor
User Image dryscale_tm Posted: Jan 18, 2018 1:32 PM (UTC)

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When a, Made in the U.S.A. Olympic fleece sells before you go to work, and you are thinking, "I could so ship that this morning" ....but then you remember it's hanging in your daughters closet and she's a light sleeper.
User Image frugalkittens Posted: Jan 18, 2018 1:30 PM (UTC)
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😭😂😂 some early morning humor .
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User Image livingcooper Posted: Jan 15, 2018 4:31 AM (UTC)

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My biggest why? I don’t want to be like this. I don’t want to be like the society I live in. I actively refuse to be. So, when people look at me like I have three heads and say that living a debt free life is a dream utopia, that’s cool. I know it’s possible. Less is so much more to me than a life of debt could ever bring.
Normal is B R O K E
Be weird
User Image sickass_whips Posted: Jan 18, 2018 1:20 PM (UTC)

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