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november budget 1

December 3, 2018 Charli M.

Published by Charli M.

My husband and I live in Dallas, Texas where we have two dogs and two cats. I started this blog to tell about my journey to becoming debt free and maybe help friends and family along the way. View all posts by Charli M.

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The Cost of Home Gym
Small Financial Goals

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I was thinking about how my income has changed over time since I’m celebrating my five year anniversary at work this month! • in 2014 I had just graduated college. I found this job by going to my school’s career fair. I liked that it was more of a career type position than a job. • The first two years at my job you get automatic raises assuming you’ve met the requirements which are mostly time on the job. • In 2017, I passed the first part of testing required for my next promotion and got a small raise. • I spent all of 2018 hustling and studying so I could get my next promotion. In 2019, I passed and got a fat raise! • Going forward I should get a raise every 18ish months without having to go through any more testing! 🙌🏻

Next month I’m going to Disney! This year is my mom’s 50th birthday and this is what she wanted to do to celebrate. Going to Disney is no joke financially though. I did a blog post about how much I expect to spend in my latest blog. It’s about $1,245! 😱 link in bio! #Disney #vacation #debtfreejourney #debtfreecommunity #dfc #imgoingtodisney #amateurblogger #blogger

I calculated my net worth! And I actually have a net worth instead of being in the red! •my house makes up most of my assets. But this wasn’t always the case. When I bought the house, I only put 3% down. Since then my house has increased about $60k in value •I’m listing our vehicles as assets bc they are #paidinfull this is their KBB private sell value. •when I started my debt free journey, my net worth was negative $50k! 😱 •paying off debt hasn’t been my focus this year but I expect my 💍 and small student loan will probably be paid off early next year 🙌🏻 #networth #babystep2 #babysteps #dfc #debtfreecommunity #debtfreejourney #assetsoverliabilities #brokenomore #goaldigger #finances #budget #budgetlife

I feel like every time I get on the debt free community posts recently someone is talking about travel hacking. I always do a little hacking for my trips; I haven’t paid full price for a hotel in years. But I recently realized I am not using my cards to maximize points like I could. So this week on my blog I wrote about how NOT to travel hack. Link in my bio. #travelhack #travel #amateurblogger #blog #dfc #debtfreejourney #debtfreecommunity #debtfree #livelikenooneelse #babysteps

I’m 37.2% of the way to my goal of $10,000! Like I said last month, I’m only doing Dave ish because a $1,000 emergency fund just isn’t enough! And thanks Ellie mondelli for the constant inspiration! 😍😍 #dfc #daveramsey #daveish #debtfreejourney #emergencyfund #debtfreecommunity #savings #savingsaccount

So I did a thing.... @conrad_inspire 😂 this made me think of you. Financed my first bike! 😱 hoping to have it paid off quickly but definitely against the debt free life! #newbikewhodis #dfc #daveramsey #daveramsey #daveish #newbike #cbr #cbrlife #honda #debtfreecommunity #financed

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