debtfree_Lori

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debtfree_Lori Frugal mom of 3 looking to inspire others to become debt free through sharing my journey.

01/11/2023

Hilarious! So glad I don’t think like this anymore.

It’s the first of the month so you know what that means… time to fuel up! I barely made it to the gas station, tank was ...
01/11/2023

It’s the first of the month so you know what that means… time to fuel up! I barely made it to the gas station, tank was running on empty this morning. I had already spent my allocated gas money for the month of October, so I was trying to wait until Nov 1 to fuel up again. I go through so much gas driving around my city to client houses. It’s absolutely ridiculous. I filled up my tank on Saturday afternoon!!

I think all of our big traveling is done for a few months, so I’m looking forward to spending less on gas. Christmas is right around the corner. I wanna throw all my extra dollars at that (and my debt).

I have financial coaching this morning. I will send a recap of how this month went later on.

Demolishing my debt, one month at a time!Credit card debt is GONE BABY GONE! Intensely chipping away at that final debt,...
03/08/2023

Demolishing my debt, one month at a time!

Credit card debt is GONE BABY GONE! Intensely chipping away at that final debt, just 8k to go til I’m debt free forever!!

I have to say, it’s nice getting back into the swing of things. I’ve been so bad about cooking full meals for my family ...
25/06/2023

I have to say, it’s nice getting back into the swing of things. I’ve been so bad about cooking full meals for my family lately. I’ve been so busy with transitioning to doing pet care full-time that I haven’t been home much during the day to get a plan in place for dinner. I also haven’t had much free time to actually GO grocery shopping to get ingredients for meals. For the last several months I’ve essentially been working two full time jobs, it’s exhausting. Got to hustle hard if I want to get out of debt by the end of year so it will be worth it in the end!

Chris and I went to BJ’s yesterday to stock up for the week. We have my kids for the full week so I knew I needed to be prepared. I sat in the parking lot for a few minutes before heading inside to check for any digital coupons that they were offering on their app. I saved about $21 by doing that!

I have a full plan for the week, outlined on our dry erase menu planned that’s on our fridge. It makes me so happy and way less stressed to know I have a game plan, as I am heading into another busy week. It’s a week that leads into a holiday so it’s going to be BUSY! I’ll just have to be good about packing myself a lunch before heading out for my pet care visits. No more spending money on fast food/gas station snacks. What’s the point of all this hustling if I am just going to blow my money on convenience food?!

We have agreed to reign in our spending on dining out. This month I spent almost $700 on that, which makes me so sick to think about! Always feels good in the moment but I hate seeing all the money gone at the end of the month.

Here’s to the start of something beautiful!

I have been getting a lot of comments from friends lately on how I have been inspiring them with my journey. I promise y...
18/06/2023

I have been getting a lot of comments from friends lately on how I have been inspiring them with my journey. I promise you, anyone can do this! These are the steps I have been following for the last 2.5 years…it’s called the Debt Snowball. Once the smallest debt is gone, you take whatever that minimum payment was and throw it at your next smallest debt every month. Small movements can have giant effects, like a snowball rolling down a snowy hill!

This week has had its ups and downs. At one point earlier in the week, I felt like I was having a panic attack. Last nig...
09/06/2023

This week has had its ups and downs. At one point earlier in the week, I felt like I was having a panic attack. Last night I was up till after midnight, unable to sleep due to my anxiety. Today I feel joyful. In this photo, I am sitting on the grass outside hanging out with one of my dog clients. Sunshine and puppy cuddles have a way of filling my heart with happiness. The weather here in Massachusetts has been really blah lately. Very cloudy. It always has such an effect on my mood. I tend to make bad financial decisions when I’m feeling down or stressed. This has always been my problem.

I’m so close to the finish line of my debtfree journey. I know that I’m going to look back in six months and be so glad that I hustled the way that I did this year. Am I exhausted in this moment? Yes I am. But I’m doing something I love every day. I am thankful for my debt-free journey because without it, I never would’ve discovered my passion for caring for animals.

I’m not sure why I’m sharing all of this with you right now, but I’m just trying to keep it real here. Life is messy. I have 3 kids and a growing business that keep me busy. I tend to put myself last and it’s just not sustainable anymore. I need to make sure to set aside some time for myself every week, this week has shown me that. I went through a traumatic experience last week and it took me days to process it all, if last night was any indication I think I am still processing it.

I was bit by a dog client and it felt like I had been betrayed by a close friend. How could someone I care for so much do this to me? I thought we had built a relationship of trust over the last year and then it all changed in a split second. It broke my soul a bit and I am still recovering.

Here’s hoping the sun comes out around here soon and that I can manage to find some time for me this month while sticking to my budget and goals!

The most satisfying swipe of my life. MY CREDIT CARD DEBT IS GONE!!! But we can’t celebrate yet! We still have one debt ...
06/06/2023

The most satisfying swipe of my life. MY CREDIT CARD DEBT IS GONE!!!

But we can’t celebrate yet! We still have one debt left, the biggest one. Moving on to my car loan! We can do this!!

Just came across this in my Facebook memories from 2 years ago. This was shortly after starting my debt free journey. I’...
03/06/2023

Just came across this in my Facebook memories from 2 years ago. This was shortly after starting my debt free journey. I’m so proud of past Lori, and I’m so glad I have stuck with my convictions for so long!

“Credit card companies don’t like when you carry a zero balance. Wanna guess what happens? They close your account!

So this is round 2 of cutting up cards, four accounts that have been closed over the last couple of years. Goodbye! I’ll miss you never!”

Look at me go! I remember the very first time I checked my credit in 2017 it was in the low 600’s. Never would I have th...
16/05/2023

Look at me go! I remember the very first time I checked my credit in 2017 it was in the low 600’s. Never would I have thought that 6 years down the line I’d be hanging out close to 800. So proud of myself and the hard work I’ve been putting in.

I love seeing my score go up and up, a visual representation of my hard work!
16/05/2023

I love seeing my score go up and up, a visual representation of my hard work!

My credit card is so close to being gone for good! If all goes well, I should be able to pay off the remaining balance b...
01/05/2023

My credit card is so close to being gone for good! If all goes well, I should be able to pay off the remaining balance by the end of May💥.

I had another particularly good month with my pet care business, both private and on a pet sitting app that I am a part of. We had a school vacation week happen which meant a lot of folks needed care for their pets while they traveled. Met lots of new clients who I hope will become regulars!

Late lunch at my aunt’s house followed by late afternoon dessert with my boyfriend’s sis means today was a great day to ...
09/04/2023

Late lunch at my aunt’s house followed by late afternoon dessert with my boyfriend’s sis means today was a great day to throw French Onion soup into the crockpot for dinner!

Last meal of my week 5 set of recipes. Can’t wait to see what week 6 has in store!

I have a gluten free/vegan French Onion soup base that I am going cook up for my kids with dietary restrictions, it should only take a few minutes on the stove when we get home.

Happy Easter! 🐇🐣

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