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pHERsonal finance

Hu$tle Hard. Educate Yourself, Retire Early

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WELCOME

Kayla

HELLO!

I'm KAYLA

wife. mom.
aspiring minimalist.
Sharing my family's journey towards debt freedom, as well as inspiring others to become debt free and retire early.

The Ultimate Budget Toolkit

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Latest Posts

How to budget for beginners

How I paid off $18K worth of credit card debt in 8 months

6 Benefits of Being Debt Free

10 Ways to trim monthly expenses now

5 ways to begin eliminating debt today

budgetingmommy

▫️Baby step 2
▫️Starting debt | Jun ‘18 | $145,144.69 (minus 🏠)
▫️Current debt | Nov ‘19 | $76,955.96 (⬇️47%)
▫️Aspiring minimalist

Instagram post 2199213978744055599_7939946919 I'm creating one single financial goal for 2020 and that's to pay off the remaining $37k of student loan debt.
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Being the money nerd that I am, I created a forecast budget for 2020, which includes all our monthly, quarterly, and annual expenses + fully funding our Christmas & back to school sinking funds.
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Without accounting for any merit increases, we're projected to put about ~$33k towards student loans. With a $4k deficit, we'll be working hard to make an additional $300/month so that we can meet this goal.
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Of course, things will come up. This is why having an emergency fund is important. We’re also a month ahead thanks to @youneedabudget
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You may wonder how I'm able to think we can achieve this especially since our income projection doesn't match. Setting goals BEYOND your current capacity forces you to work harder.
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I challenge you to push yourself beyond what you're currently capable of in 2020. You'll be surprised what you'll actually achieve.
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If you’re ready to jumpstart your journey towards financial freedom, click the link 🔗 in my bio to purchase The Ultimate Budget Toolkit to organize your financial goals.
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
Instagram post 2198195601011569990_7939946919 It's finally here!
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I've been teasing this budgeting toolkit for a while, but ”Hello, my name is Kayla and I struggle with perfection.” I wanted to make sure to include everything as possible to help you reach your financial goals. I really appreciate being able to be apart of your journey.
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I've included screenshots of each page in my stories so be sure to check them before they expire in 24 hours.
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Also, if you’re new to budgeting, I've created a new post on my blog complete with the steps you need to get started.
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Let me know what you think. The link to both are in my bio 🔗 Thank you in advance for all the support 🤗 Sale ends 12/31 at midnight! .
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
Instagram post 2197442592556061274_7939946919 Beyond is my word for 2020.
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Adverb - outside the physical limits or range.
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2019 taught me how to be content. I learned to simply enjoy each moment and appreciate all that I have. In 2020, I plan to continue strengthening my faith so that I can see things beyond my control and/or current circumstance. Oftentimes I put my capabilities and situations in a box, even though I know that with God there are no boundaries. I am confined only by the walls I build myself.
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My goal is to learn to look deeper than the surface and discover positives in every situation so that I can extend my skills and mindset to be a blessing to others.
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What no eye has seen, what no ear has heard, and what no human mind has conceived - the things God has prepared for those who love him - 1 Corinthians 2:9
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Do you have a word for 2020? Let me know what it is and why you chose it in the comments below.
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
Instagram post 2196652486354251318_7939946919 Happy last days of 2019.
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As this year (& decade) comes to a close, it's time to prepare for 2020. Reposting affirmations on IG is nice, but that can only take you so far. Over the next few weeks, I challenge you to write out how you want 2020 to look. Writing down your vision not only helps you discover your destiny, but it helps you put action towards it. If you can imagine yourself where you want to be, you'll have more belief in accomplishing your goals. Writing down your vision is key to bring it to life.
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Over the next few days, I'll be sharing how I envision 2020, including my word of the year, my financial goals (hint: it's only one), and how I plan to expand my business.
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In the comments below, let me know one thing you plan to do differently in 2020. I'll start: I plan to establish a morning routine so that I will wake up earlier on a daily basis.
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Write the vision; make it plain on tablets, so he may run who reads it. Habakkuk 2:2
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
Instagram post 2190715876483581874_7939946919 Here is an update on the open debt accounts we have. We started this journey in June 2018, and we’ve cleared nearly 50% of our debt in a year and a half 😳
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The Nelnet student loans and the Chrysler Capital account are my husband's and the MOM IOU Loan (she paid off my student loans so that I would not have to pay all the interest) is mine.
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Since we had six-figure debt, I looked at it in sections. First, I focused on paying off my credit cards. We became credit card debt free in February 2019. Then, I worked hard to get rid of my car to eliminate the high monthly payment. Now, I'm focused on paying off the student loan debt. Viewing it as a complete picture was overwhelming, stressful and makes me anxious.
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Our sole focus for 2020 will be to pay off my husband's student loans. We’ll probably hit debt freedom right at the three-year mark in June 2021. Paying off six figures worth of debt in three years is nothing short of amazing.
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
Instagram post 2189412687952031853_7939946919 My results from my #NoSpendNovember challenge. I ended the month with 24 no spend days (outside of bills, groceries, gas, and Christmas gifts). This savings helped us pay off my husband’s 2nd student loan.
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One of my biggest contributors was taking my lunch to work daily (all but one day) and preparing snacks for my daughter when we have activities that’ll put us home late.
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Practicing contentment has helped me break my impulsive shopping habits so I’m no longer tempted to purchase things on the fly. If I see something I want, I’ll save up for it. By the time I have the money saved, I usually don’t want the item anymore. Making impulse purchases was a huge reason why I had so much credit card debt, but therapy helped me understand what I was trying to hide. Making contentment my word of the year for 2019 really changed my life.
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If you participated in #NoSpendNovember, how did you do? Did you meet your goal?
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
Instagram post 2187933437881402370_7939946919 November numbers are in, and we’ve cleared off over $50k worth of debt this year. Selling my car was a big part of this year’s success.
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With a successful #NoSpendNovember behind us, we were able to pay off another student loan this month. We have 7 more to go though😩
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How did November go for you?
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
Instagram post 2181484665517154200_7939946919 I was anxious to see how my credit score would be affected once my car fell off. It wasn’t affected negatively at all. In fact, it went up a few points since my last update. This is after paying off 6 credit cards + selling my car. The only thing I have left on here is our house.
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Swipe to see what my credit score was at the start of my journey in June 2018. You don’t need a credit repair company to “fix your credit.” Majority of them are most likely scams anyway.
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Note: I don’t have any derogatory marks on my credit report so your results may differ. There is one inquiry I’m patiently waiting to fall off on Equifax and the scores will most likely even out once it does.
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#budgetingmommy #kickingdebtwithkayla #debtfreedom #debtfreecommunity #debtfree #budgeting #budgets #debtfreejourney #roadtodebtfreedom #financialfreedom #debtfreeliving #budgetplanning #moneymanagement #daveramsey #ynab #ynabcommunity #youneedabudget #financialindependence #sixfiguredebt
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