15 Inspiring Quotes for Motivation and Encouragement-My Financial Hill
Lifestyle

Inspirational Quotes for Motivation and Encouragement

Inspirational quotes has the ability to give us much needed motivation or encouragement when we are going through tough times. No matter what circumstance you’re in, or what mountain lies ahead of you, never give up. Find strength through 15 of these best inspirational quotes that’ll get you motivated and encourage you!

1 | IT ALWAYS SEEMS IMPOSSIBLE UNTIL IT’S DONE

It always seems impossible until it's done Inspirational quotes for motivation and encouragement-MyFinancialHill

2 | WINNERS ARE NOT THOSE WHO NEVER FAIL BUT THOSE WHO NEVER QUIT

Winners are not those who never fail but those who never quit-MyFinancialHill

3 | A WINNER IS A DREAMER WHO NEVER GIVES UP

A winner is a dreamer who never gives up-Inspirational quotes for motivation and encouragement-MyFinancialHill

4 | TODAY IS YOUR OPPORTUNITY TO BUILD THE TOMORROW YOU WANT

Today is your opportunity to build the tommorow you want-Inspirational quotes for motivation and encouragement-MyFinancialHill

5 | SUCCESS DOESN’T COME FROM WHAT YOU DO OCCASIONALLY

Success doesn't come from what you do occasionally-Inspirational quotes for motivation and encouragement-MyFinancialHill

6 | NOTHING IS IMPOSSIBLE. THE WORD ITSELF SAYS ‘I’M POSSIBLE

Nothing is impossible. The word itself says 'I'm possible-Inspirational quotes for motivation and encouragement-MyFinancialHill

7 | DO SOMETHING TODAY THAT YOUR FUTURE SELF WILL THANK YOU FOR

Do something today that your future self will thank you for-Inspirational quotes for motivation and encouragement-MyFinancialHill

8 | WHETHER YOU THINK YOU CAN OR YOU CAN’T YOU ARE RIGHT

Whether you think you can or you can't you are right-Inspirational quotes for motivation and encouragement-MyFinancialHill

9 | A GOAL WITHOUT A PLAN IS JUST A WISH

 A goal without a plan is just a wish-Inspirational quotes for motivation and encouragement-MyFinancialHill

10 | THE ONLY PERSON YOU ARE DESTINED TO BECOME IS THE PERSON YOU DECIDE TO BE

The only person you are destined to become is the person you decide to be-Inspirational quotes for motivation and encouragement-MyFinancialHill

11 | WHEN YOU THINK OF QUITTING REMEMBER WHY YOU STARTED

When you think of quitting remember why you started-Inspirational quotes for motivation and encouragement-MyFinancialHill

12 | DON’T BE PUSHED BY YOUR PROBLEMS BE LED BY YOUR DREAMS

Don't be pushed by your problems be led by your dreams-Inspirational quotes for motivation and encouragement-MyFinancialHill

13 | YOU’RE BRAVER THAN YOU BELIEVE, STRONGER THAN YOU SEEM, AND SMARTER THAN YOU THINK

You're braver than you believe stronger than you seem and smarter than you think-Inspirational quotes for motivation and encouragement-MyFinancialHill

14 | DIFFICULT ROADS OFTEN LEAD TO BEAUTIFUL DESTINATIONS

Difficult roads often lead to beautiful destinations-Inspirational quotes for motivation and encouragement-MyFinancialHill

15 | THE SECRET TO GETTING AHEAD IS GETTING STARTED

The secret to getting ahead is getting started-Inspirational quotes for motivation and encouragement-MyFinancialHill

No matter what journey lies ahead or what you may be going through, find some strength to push through with these awesome inspirational quotes for motivation and encouragement.

These quotes encourage me to keep going on paying off my $116,000 worth of debt. So far my husband and I have paid off $77,750, we have $38,250 more to go. Find out how We paid off $50,000 in 10 months.

Follow your dreams, goals, and never give up…

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Debt, Debt Free Story

Debt Free Story Kaleb’s $110,000 Debt Journey

Being in debt can be overwhelming. Especially when all your hard earned money flies right out your hands as soon as you get paid. It’s bad enough that you may be swamped in bills, interest rates tacks on even more money to your bills. Sometimes there just seems to be no end in sight. That’s why it’s time to get serious about your money and take control. Start your own debt free journey like Kaleb has with $110,000 of debt.

I’ve had a wonderful opportunity to interview Kaleb Schumann from The Future Millionaire Teacher. He had roughly $110,000 worth of debt which will take him right under 4 years (47 months) to pay off next month (June)! Kaleb is an inspiring High School Band Director from Fort Worth, TX. Wanting to lead by example he started a YouTube channel to track his debt free journey for many high school and college aged students. It’s definitely kept him motivated throughout the debt free journey especially when his students ask him about financial advice and money matters. Find out more details about how Kaleb got himself out of $110,000 debt next.

Photo from Kaleb Schumann from The Future Millionaire Teacher. He is a High School Band Director from Fort Worth, TX. He has paid off $110,000 in just under 4 years (47 months).

When did you first decide to start your debt free journey?

I started my journey in September 2016, after graduate school. I had read the Total Money Makeover a few months before, after some classmates recommended it. I didn’t have a salary at the time, and couldn’t wait until I graduated and started making money so I could start.

What was your debt consisted of?

Basically, rounding +/- a few thousand:

$110,00 total

$60,000 – Student Loans ($20k undergrad, $40k graduate)

$15,000 – Interest on Student Loans

$10,000 – Used Car

$10,000 – Medical Bills (settled for $4k)

$5,000 – French Horn

$5,000 – Credit Card

$5,000 – Loan from “The Bank of Mom and Dad”

What was your income range throughout the debt free journey?

$60,000 – $72,5000

Are there any specific things you did to help pay down debt?

I worked a summer activity called Drum Corps International. It’s basically a summer marching band for kids. I was on the admin team for a group. They travel the country over the summer. I was able to see the country for free, had all my meals paid for, and made a few thousand bucks on top of all that. It minimized my expenses to almost zero over the summer in addition to providing extra money. Those summers *really* accelerated things. 

Do you recommend any particular debt repayment plan?

Surprisingly, my sole source of information that shaped my opinion was Dave Ramsey. I’m the type of person that goes all-in and becomes an absolutist. There are multiple ways to tackle debt, but it helped me to stay singularly focused with Dave’s plan, philosophy, podcasts, videos, etc.

Do you like the Snowball or Avalanche method?

I was a big debt snowball person.. Except when it came to the loan from the Bank of Mom and Dad. The Chief Loan Officer (aka Dad) agreed to provide the loan interest free and let me put the $5k loan in “forbearance” until my other interest bearing loans were paid.

What about budgeting, are there any particular tools or programs that helped you out? 

I used the EveryDollar App, and I tried to compartmentalize all the items in my head as much as I could.. For example, there was a huge difference between my internet bill and my Spotify bill.. Both were drafted monthly, but the Spotify bill always went under “Optional Subscriptions”, giving myself permission to cut it if necessary. 

Related: How To Budget Your Money For Beginners

How did you stay motivated throughout your debt free journey?

Paying off debt became my singular goal. Every decision I made, I made it through the lens of paying off my debt. From big decisions like not going on vacations with my friends, to little decisions like not being afraid to bring left-overs with my co-workers when they went out to lunch.

Has your life changed dramatically before and after the process?

I now consider myself a minimalist. Last summer, I moved from Houston to Fort Worth. I sold everything I could: mattress, dining room table, dressers, TV’s, game consoles… With the extra cash, I was able to buy “matching adult furniture” and still have extra to put on my loans. I was able to monetize every material possession that I didn’t need.

I feel like I have much more control over my finances. I’m no longer overwhelmed thinking about all the bills, or if I can buy that new shirt I want. Since I have complete control, I can make informed decisions about picking up extra work or not, eating at a restaurant or not, etc.

Was there anything you wish you did differently during the debt free journey?

One of my side hustles was teaching English lessons online. It was the easiest money I’ve ever made. From the comfort of my couch, I have Skype conversations with English learners from across the world. I wish I would have started that way sooner. The money I made from teaching lessons was able to pay for my own Spanish lessons and still have a few extra bucks each month to throw at debt.

How does it feel to be debt free or close to?

I’ve been free from consumer/interest bearing debt for a few months. I only owe my parents a few thousand dollars that I’ll be able to finish off in June. It’s a moment I’ve been dreaming of for over four years. I can’t wait to take a vacation and do more than just go to the beach. I can’t wait to donate to my favorite podcasts and give to NPR. I can’t wait to sponsor students to their summer camps or church fundraisers. I can’t wait to buy my friend’s lunch to say thanks. I can’t wait to buy the next round of drinks at convention. I can’t wait to invest. I can’t wait to enjoy my money.

Would you like to offer any words of encouragement to other readers?

This is a mental game. It boils down to two parts.

First – Build the habit of tracking purchases, sticking to the budget, saying no… Figure out how to build those keystone habits that will affect every financial decision that you make.

Second – Focus on one area of your budget at a time: Income/Expense/Surplus. Some months I would focus on increasing my income by selling things, teaching extra lessons, etc. Other months I would figure out how to cut my utility bill, or save on groceries. And some months I would re-prioritize the leftover money… Although, mostly the surplus money just went to the smallest debt remaining. I found that I was most effective when I was only focusing on one area at a time. It was too overwhelming to try and make more, work extra hours, sell this, limit that, cut here, cancel that all at the same time. 


Thank you Kaleb for sharing your debt payoff journey. Kaleb had $110,000 worth of debt straight out of Graduate School. That must’ve been very overwhelming to confront and take control of that enormous amount of debt. Kaleb became inspired after reading Total Money Makeover and also staying focused on Dave Ramsey’s teachings. He literally crushed all $110,000 worth of debt in right under 4 years by next month, what an amazing story.

Let Kaleb’s story inspire you to realize that paying off debt can be done. No matter how difficult or impossible it may seem. It’s all about taking small steps and in Kaleb’s case-just focus on one thing at a time. Being debt free is the ultimate goal. It provides financial freedom, taking control of your money, and just being able to enjoy your own money.

If you would like to reach out to Kaleb, visit his YouTube channel The Future Millionaire Teacher.

Ready to start your own debt free journey? Today’s the day to make that change in your life. Start with this free gift – Debt Thermometer and join us in the free 5-Day Debt Free Bootcamp to begin knocking out debt ASAP.

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Lifestyle

Air Fryer Recipes that’s Healthy and Low Carb for Dinner

If you’re trying to watch your calories, carb intake, or eat more keto-friendly foods, it may be difficult to imagine eating anything breaded or fried. That’s where the Air Fryer comes into play. You no longer have to deep fry foods to get them crispy. The Air Fryer can help you cook your favorite foods in a healthier way. Plus it’s so much easier to use and can ultimately help you to save more money by cooking at home. Here are 30 of the best air fryer recipes that’s healthy and low carb for dinner.

If you need more keto or low-carb dinner recipes that doesn’t involve the air fryer, check out my other post:

20 Easy Keto Low Carb Recipes For Dinner

1 | Keto Air Fryer Pork Chops

MyFinancialHill Keto Air Fryer Pork Chops Butter Sage Healthy Low Carb Dinner
Photo and recipe from All Day I dream About Food

Have delicious pork chops for dinner made from the air fryer. Get this recipe at All Day I Dream About Food. All you need to make this is boneless pork chops, butter, salt + pepper, and sage.

2 | Air Fryer Jerk Chicken Wings

MyFinancialHill Keto Air Fryer Jerk Chicken Wings Healthy Low Carb Dinner
Photo and recipe from My Forking Life

Spice up your dinner with these jerk chicken wings from My Forking Life. All you need to make this recipe is chicken wings, jerk seasoning, and salt.

3 | Air Fryer Keto Low Carb Fried Chicken Recipe

MyFinancialHill Keto Low Carb Fried Chicken Recipe Healthy Low Carb Dinner
Photo and recipe from Wholesome Yum

You can still have crispy fried chicken minus all the excess carbs, get the recipe at Wholesome Yum. All you need to make this are chicken drums, coconut flour, sea salt, black pepper, eggs, pork rinds, smoked paprika, garlic powder, and dried thyme.

4 | Keto and Low Carb Breaded Air Fryer Shrimp

MyFinancialHill Keto Low Carb Breaded Air Fryer Shrimp Recipe Healthy Low Carb Dinner
Photo and recipe from Dr. Davinah’s Eats

Try this shrimp recipe from Dr. Davinah’s Eats without worrying about heavy carbs from regular breading. All you need for this recipe is shrimp, baking powder, coconut flour, pork rind breading, sea salt, black pepper, eggs, dried parsley, and olive oil.

5 | Air Fryer Buffalo Wings Low Carb Keto

MyFinancialHill Air Fryer Buffalo Wings Low Carb Keto Recipe Healthy Low Carb Dinner
Photo and recipe from Maebells

There are alternatives to getting delicious buffalo wings without needing to deep fry them. Get this recipe at Maebells. All you need for this recipe are wings, baking powder, salt + pepper, garlic powder, buffalo sauce, butter, garlic, and apple cider vinegar.

6 | Air Fryer Bang Bang Shrimp

MyFinancialHill Air Fryer Bang Bang Shrimp Recipe Healthy Low Carb Dinner
Photo and recipe from Cook The Story

Try this ‘Bang Bang Shrimp’ recipe from Cook The Story without all the excess oil that comes with deep frying. All you need for this recipe is Shrimp, Thai chili sauce, mayo, Sriracha, honey or honey substitute, salt + pepper, buttermilk, and cornstarch.

7 | Air Fryer Breaded Pork Chops

MyFinancialHill Air Fryer Low Carb Tuna Patties Healthy Low Carb Dinner
Photo and recipe from Recipes From A Pantry

There’s no need for heavy breading in this recipe, it uses almond flour which has significantly less carbs than regular breading. Get this recipe at Recipes From A Pantry. All you need for this recipe is pork chops, almond flour, Parmesan cheese, paprika, Herbes de Provence, Creole Seasoning or Cajun seasoning, and cooking spray.

8 | Air Fryer Low Carb Tuna Patties

Try this tuna patty recipe from Whole Kitchen Sink. All you need for this recipe is canned tuna in water, almond flour, mayo, dried dill, garlic powder, onion powder, salt + pepper, and lemon.

9 | Air Fryer Catfish

MyFinancialHill Air Fryer Catfish Healthy Low Carb Dinner
Photo and recipe from Stay Snatched

Don’t miss out on fried fish! You can have a less greasy version of fried fish from Stay Snatched. All you need to make this dish is catfish fillets, Louisiana fish fry mix made for the air fryer, and olive oil.

10 | Air Fryer Chicken Breast

MyFinancialHill Air Fryer Chicken Breast Healthy Low Carb Dinner

This chicken breast recipe from Diet Hood can go with any healthy side like salad, cauliflower rice, or zoodles. All you need to make this is chicken breasts, water, kosher salt, olive oil cooking spray, ground pepper, garlic powder, sweet paprika, and dried oregano.

11 | Air Fryer Whitefish

MyFinancialHill Air Fryer Whitefish or Tilapia Healthy Low Carb Dinner
Photo and recipe from Best Recipe Box

Pair this Whitefish recipe from Best Recipe Box with cauliflower rice for a delicious light dinner. All you need for this recipe is tilapia or white fish, garlic powder, lemon pepper, onion powder, kosher salt, pepper, chopped parsley, and lemon wedges.

12 | Air Fryer Chicken Fajita Dinner

MyFinancialHill Air Fryer Chicken Fajita Healthy Low Carb Dinner
Photo and recipe from Cook The Story

Have a Fajita night with this recipe from Cook The Story. Swap out the tortillas and have it with a side of salad or cauliflower rice. All you need for this recipe is chicken breasts, bell peppers, onion, olive oil, chili powder, salt + pepper, cumin, and cayenne.

13 | Air Fryer Vegetable Kabobs

MyFinancialHill Air Fryer Vegetable Kebabs Healthy Low Carb Dinner
Photo and recipe from Recipes From A Pantry

Don’t want to eat meat for dinner? Try this vegetable kabob recipe instead from Recipes From A Pantry. For this recipe, you need skewers, mushrooms, tomatoes, zucchini, bell pepper, ground cumin, onion, and salt.

14 | Air Fryer Salmon Cakes

MyFinancialHill Air Fryer Salmon Cakes Healthy Low Carb Dinner

Try these healthy salmon cakes from Berry Maple. All you need for this recipe is salmon, eggs, salt, garlic powder, and lemon.

15 | Air Fryer Coconut Shrimp

MyFinancialHill Air Fryer Coconut Shrimp Healthy Low Carb Dinner
Photo and recipe from My Forking Life

Try this delicious coconut shrimp with a side of veggies from My forking Life for an easy dinner. All you need for this recipe is shrimp, eggs, flour, unsweetened shredded coconut, Panko breadcrumbs, salt + pepper, and cooking spray. Try subbing out the flour with almond flour and the Panko breadcrumbs with low carb breadcrumbs for an even healthier version of this recipe.

Like what you see so far? Share the love by pinning below! Find 15 more delicious air fryer recipes that’s healthy and low carb for dinner on the next page!

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45 Healthy Weight Loss Recipes To Get Slimmer
Lifestyle

Healthy Weight Loss Smoothie Recipes To Get Slimmer

Smoothies are just plain awesome! They’re great for on-the-go meals or just for times when you don’t feel like cooking up a big meal only to clean tons of dishes after. Not only do they taste delicious, they’re often loaded with vitamins and minerals depending on what you put in there. Some store bought smoothies can be loaded with fattening and heavy ingredients which may hinder any weight loss journey you may be on. Smoothies can be good for weight loss and fat burning depending on the recipe.

Smoothies can give you daily serving of vegetables and fruits while helping you lose weight. It will be best to add smoothies to your daily regimen along with a well balanced diet and exercise to really achieve weight loss. Smoothies can curb your appetite by adding protein powders to keep you full longer. Some natural ingredients may even help you burn fat easier and kick start your metabolism.

Smoothies are so simple to make too! Before you get started, make sure you have the right Blender for max efficiency. If you end up making a large batch of the smoothie, store it in cups and place them in the freezer. The night before, I will defrost the frozen smoothie in the refrigerator and it will be ready to go the next morning. Plus I love using frozen fruit and vegetables because there’s no cooking involved, it’s perfect for rushed mornings. These 45 healthy weight loss smoothie recipes will give you plenty of ideas that will last you a while, enjoy!

1 | Fat Burning Smoothie

Fat-Burning-Green-Smoothie-Healthy-Weight-Loss-Smoothie Recipes
Photo and recipe from Simple Green Smoothies

This smoothie is a metabolism booster and fat burner according to Simple Green Smoothies. All you need to make this is spinach, mint leaves, celery, green tea, grapefruit, pineapple, and avocado.

2 | Metabolism Boosting Smoothie

Metabolism-Boosting-Smoothie-Green-Tea-Coconut-Milk-Spinach-Banana-Grapefruit-Pineapple-Whey-Protein-Healthy-Weight-Loss-Smoothie Recipes
Photo and recipe from Sunkissed Kitchen

This smoothie is sure to give your metabolism a kick-start. It’s packed with lots of nutrients proven to help with weight loss according to Sunkissed Kitchen. All you need is green tea, coconut milk, spinach, banana, grapefruit, pineapple, ice, and whey protein.

3 | Skinny Almond Butter Banana Smoothie

Skinny-Almond-Butter-Banana-Smoothie-Almond-Milk-Chia-Seeds-Healthy-Weight-Loss-Smoothie Recipes

Swap out your heavy deserts with this healthy and savory smoothie from Simple Green Moms. It’s easy to make and all you need to make this is frozen bananas, unsweetened vanilla almond milk, almond butter, and chia seeds.

4 | Metabolism Boosting Blueberry Smoothie

Metabolism-Boosting-Blueberry-Smoothie-Spinach-Banana-Flaxseed-Chia-Seed-Healthy-Weight-Loss-Smoothie Recipes
Photo and recipe from Suburban Simplicity

This smoothie is packed with antioxidants from the blueberries and other nutrients like fiber, folate, and vitamin C from the added spinach according to Suburban Simplicity. This smoothie is sure to give your metabolism a boost. All you need to make this is protein powder, unsweetened almond milk, ice, blueberries, spinach leaves, banana, and ground flaxseed or chia seeds.

5 | Protein-Packed Keto Breakfast Smoothie for Weight Loss

Protein-Packed-Keto-Breakfast-Smoothie-Berries-Flaxseed-Cottage-Cheese-Vanilla-Extract-Healthy-Weight-Loss-Smoothie Recipes

This healthy weight loss smoothie recipe is packed with protein, antioxidants, vitamins, essential minerals, and healthy omega-3’s according to keto pots. Instead of eating a heavy breakfast, try this smoothie instead. All you need to make this smoothie is berries, flaxseed meal, ice, almond milk, cottage cheese, vanilla protein powder, vanilla extract, and liquid Stevia.

6 | Skinny Mint Smoothie

Skinny-Mint-Spinach-Banana-Avocado-Dates-Cacao-Healthy-Weight-Loss-Smoothie-Recipes
Photo and recipe from Simple Green Smoothies

Try this minty and delicious smoothie without all the excess calories but packed with nutrients instead. Get the recipe at Simple Green Smoothies. All you need for this recipe is unsweetened almond milk, spinach, mint leaves, banana, avocado, dates, and cacao powder.

7 | Super Berry Weight Loss Smoothie

Super-Berry-Almond-Milk-Bananas-Berries-Healthy-Weight-Loss-Smoothie-Recipes
Photo and recipe from Nutrition Twins

This refreshing smoothie is delightfully sweet and packed with antioxidants, fiber and protein as stated on Nutrition Twins. All you need to make this is almond milk, bananas, berries, and protein powder.

8 | Fat Burning Strawberry and Mango Smoothie

Fat-Burning-Strawberry-Mango-Coconut-Water-Ginger-Root-Cinnamon-Cayenne-Pepper-Healthy-Weight-Loss-Smoothie-Recipes

Get this fat burning smoothie at Hello Glow. This smoothie has fat burning ingredients like Cayenne and Cinnamon as stated on their site. All you need to make this refreshing smoothie is coconut water, strawberries, mango, ginger root, cinnamon, and cayenne pepper.

9 | Fat Burning Chocolate Smoothie

Peanut-Butter-Oatmeal-Almond-Milk-Cinnamon-Cayenne-Liquid-Stevia-Healthy-Weight-Loss-Smoothie-Recipes

If you love chocolate, then this recipe is perfect for you. It’s packed with protein and has the sweetness from bananas which will help your sweet tooth. Primally Inspired has this fat burning smoothie recipe. All you need to make this is coconut milk, banana, leafy greens, and protein powder.

10 | Peanut Butter Oatmeal Smoothie for Weight Loss

Photo and recipe from Flaxseed and Fairytales

This smoothie should keep you full with added protein and rolled oats. Plus it has a bit of cayenne and cinnamon which aids in fat burning and weight loss as stated on Flaxseed and Fairytales. All you need to make this smoothie is rolled oats, banana, almond milk, peanut butter, protein powder, cinnamon, cayenne, and liquid Stevia.

11 | Slim Down Smoothie with Avocado and Spinach

Slim-Down-Smoothie-Avocado-Spinach-Banana-Peanut-Butter-Coconut-Almond-Milk-Healthy-Weight-Loss-Smoothie-Recipes

Learn how to make your slim down smoothie at Elevate Fit Coach. All you need to make this is avocado, spinach, banana, peanut butter, vanilla whey protein, coconut almond milk, and ice.

12 | Green Keto Smoothie

Green-Keto-Avocado-Kale-Cucumber-Ginger-Coconut-Water-Chia-Seeds-MCT-Oil-Stevia-Healthy-Weight-Loss-Smoothie-Recipes
Photo and recipe from Appetite For Energy

This smoothie recipe from Appetite For Energy is full of healthy fats and veggies as stated on their site. It also can help with weight loss and burning fat. All you need is avocado, kale, cucumber, ginger root, coconut water, water, ice, chia seeds, MCT oil, and liquid stevia.

13 | Skinny Cherry Banana Smoothie

Skinny-Cherry-Banana-Greek-Yogurt-Milk-Healthy-Weight-Loss-Smoothie-Recipes
Photo and recipe from Inside BruCrew Life

This smoothie is packed with protein and fruit which will help keep you full longer, find the recipe at Inside BruCrew Life. All you need to make this is cherries, banana, greek yogurt, fat free milk, and protein powder.

14 | Flat Belly Blueberry Basil Smoothie

Flat-Belly-Blueberry-Basil-Banana-Almond-Milk-Greek-Yogurt-Lemon-Juice-Flaxseed-Almond-Butter-Healthy-Weight-Loss-Smoothie-Recipes

This smoothie is loaded with bloat fighting nutrients, get the recipe at Eating Bird Food. To make this smoothie, you need blueberries, banana, almond milk, basil, greek yogurt, lemon juice, ground flaxseed, and almond butter.

15 | Weight Loss Chocolate Strawberry Smoothie

Chocolate-Strawberry-Almond-Butter-Honey-Skim-Milk-Banana-Healthy-Weight-Loss-Smoothie-Recipes

This smoothie will give you a protein boost and leave you feeling energized according to Driscolls. All you need to make this smoothie is strawberries, almond butter, honey or agave nectar, skim milk, chocolate protein powder, banana, and ice.

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20 Easy Keto Low Carb Recipes For Dinner - MYFINANCIALHILL
Lifestyle

20 Easy Keto Low Carb Recipes For Dinner

Dinner is by far the best and most delicious but heavy meals of the day. There’s so much variety for dinner options it’s unlimited on what you can do. Sometimes dinner meals can be very heavy but why make it worse by loading it up with carb filled meals? Choose easy keto low carb recipes to make dinner somewhat better for you. So, what’s dinner without pasta, rice, or potatoes? There’s plenty of delicious keto-friendly and low carb options for dinner. Matter of fact, there’s a list of 20 scrumptious easy keto low carb recipes to choose from. What’s even better is that all these recipes are super easy to make and not complicated at all with less than 8 ingredients. Enjoy!

By the way, if you ever get stuck on what to make for the week then check out $5 Meal Plan. They send you weekly meal plan recipes, ingredients list, and a nutritional breakdown so that it helps you save time and money when it comes to meal planning. Plus they’re offering a free 14 day trial right now, after the trial it’s $5 a month. It’s good for people who don’t like to spend so much time trying to come up with new things to make.

1 | Keto Low Carb Tacos

Have a taco night without the carb filled tacos! Find out how to make keto friendly shells that’s made with cheese. All you need is cheese, protein choice, taco seasoning, and tomatoes and chiles. Find this recipe at Plain Chicken.

2 | Honey Garlic Shrimp Skillet

Recipe and Image from The Cooking Jar

How does sweet and savory shrimp sound for dinner? All you need is shrimp, garlic, ginger, honey, and soy sauce. Find the recipe at The Cooking Jar.

Note: Honey in the recipe from The Cooking Jar may throw off your low carb goal but I’ve come across Pyure which is an organic and vegan honey alternative with 4g of NET carbs. Substitute the honey with Pyure and pair the dish with cauliflower rice to make it more low carb friendly.

3 | Asian Soup With Ginger

Recipe and photo from Kalyns Kitchen

In the mood for some healthy soup? All you need on hand is chicken broth, ginger, mushrooms, spinach, and onions. Find the recipe at Kalyns Kitchen.

4 | Sesame Crusted Salmon

Recipe and photo from The Cooking Jar

Get your healthy dose of Omega 3’s by eating salmon. For this dish all you need is salmon, poppy seeds, toasted sesame seeds, minced garlic, minced onion, and sea salt. Get the recipe at The Cooking Jar.

5 | Chicken with Rosemary Butter Sauce

Recipe and Photo from Lets Dish Recipes

How does delicious chicken with rosemary sound? All you need is chicken, butter, chicken broth, heavy whipping cream, and of course the rosemary. Get the recipe at Lets Dish Recipes.

6 | Chicken Tikka Masala

This super simple meal will cook up in no time plus it’s keto-friendly. All you need is chicken, olive oil, masala sauce, and cauliflower rice. Find the recipe at Organically Addison.

7 | Low Carb Mongolian Beef

Photo and recipe from Noshtastic

Make this savory dish for your family tonight. All you need is flat iron steak, coconut oil, green onions, coconut aminos, ginger, and garlic. Get the recipe at Noshtastic.

8 | Keto Crispy Chicken Wings

Photo and recipe from Fat For Weight Loss

Love chicken wings but not all the batter? Try this recipe out at Fat For Weight Loss. All you need are chicken wings, baking powder, smoked paprika, cajun spice mix, turmeric, and Salt+Pepper.

9 | Keto Creamy Asparagus and Shrimp Alfredo

In the mood for some Italian food, minus the pasta? All you need is shrimp, butter, asparagus, heavy cream, Parmesan cheese, and Salt+Pepper. Get the recipe at Health Starts in the Kitchen.

10 | Jalapeno Popper Chicken

Photo and recipe from Cast Iron Keto

Do you like spicy food? Try this Jalapeno Popper Chicken dish from Cast Iron Keto. All you need is chicken breasts, jalapenos, cheese, and bacon.

11 | Low Carb Spaghetti Squash with Goat Cheese

Photo and recipe from My Life Cookbook

Want an easy and healthy alternative to eating pasta? Try spruced up spaghetti squash. All you need to make this is bacon, garlic, spaghetti squash, walnuts, and goat cheese. Get the recipe at My Life Cookbook.

12 | Easy Keto Chicken and Zucchini Noodles Alfredo

Photo and recipe from My Life Cookbook

Try another Italian inspired dish minus the pasta. All you need to make this dish is butter, cream cheese, heavy cream, parmesan cheese, garlic, chicken, and zucchini. Get the recipe at My Life Cookbook.

13 | Crispy Air Fryer Pork Chops

Recipe and Photo from This Moms Menu

Do you love crispiness of food but want to avoid deep frying it? Try an Air Fryer to fry your food instead. To make this dish, all you need is pork chops, almond flour, Parmesan cheese, garlic powder, creole seasoning, and paprika. Get the recipe at This Moms Menu.

14 | Keto Salmon with Pesto and Spinach

Recipe and photo from Diet Doctor

Get your nutrients in with this simple and delicious dish. All you need is salmon, mayo, pesto, Parmesan cheese, spinach, and olive oil. Get the recipe at Diet Doctor.

15 | Instant Pot Beef and Peppers

Make whipping up dinner a breeze by making this beef and peppers dish with an Instant Pot. This dish cooks up in 12 minutes with the Instant Pot! All you need to make this dish is bone broth, ground beef, red bell peppers, Seasoning, and a white onion. Get the recipe at 40 Aprons.

16 | Keto Philly Cheesesteak Stuffed Peppers with Cauliflower

Photo and recipe from Food Faith Fitness

Do you love Philly cheese steaks but don’t want to eat tons of carbs? Try this healthier version that will get you vegetable servings at the same time. All you need is steak, cauliflower, green bell peppers, Provolone cheese, onions, olive oil, and salt. Get the recipe at Food Faith Fitness.

17 | Creamy Chicken Taco Soup

Photo and recipe from This Moms Menu

In the mood for some soup? Try this creamy chicken taco soup if you have chicken broth, chicken, Ro-Tel, taco seasoning, cream cheese, and shredded cheese on hand. Get the recipe at This Moms Menu.

18 | Eggplant Lasagna

Photo and recipe from KetoLogic

Swap out the heavy pasta with eggplant giving it a nutritional boost. All you need to make this dish is eggplant, sausage, olive oil, salt, marinara sauce, and cheeses. Get the recipe at KetoLogic.

19 | Instant Pot Pork Stew

Recipe and photo from Two Sleevers

Want something nice and hearty? Make this spicy pork stew in an Instant Pot. All you need is an onion, garlic, rotel, thyme, seasoning, pork, heavy whipping cream, and spinach. Find the recipe at Two Sleevers.

20 | Keto Pan Fried Coconut Shrimp

Try some sweet and crunchy keto-friendly coconut shrimp. All you need is shrimp, coconut flour, coconut flakes, fruit sweetener, eggs, salt, and coconut oil. Get the recipe at Meganseelinger.

Cut the carbs from your dinner meals by cooking up these delicious keto-friendly low carb recipes. Let me know which one of these easy keto low carb recipes was your favorite. Now that you have some ideas for dinner how about Breakfast? Find some more meal ideas below.

Related: 10 Easy Breakfast Ideas

I hope you will try and enjoy one of these easy keto low carb recipes for dinner. Let me know which one was your favorite.

Don’t forget to share the love by pinning below! Thanks for stopping by!


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Lifestyle

10 Easy Breakfast Ideas

Breakfast is one of the most important meals of the day. Eating something in the morning will get you ready for the day ahead. What’s even better is having something delicious for breakfast. It’s always best to switch up recipes so you don’t get sick of eating the same thing over and over. Hopefully these 10 easy breakfast ideas will help you do just that. What makes these recipes easy is that it requires only 5 ingredients and under, so it’s super simple and easy to make. Enjoy!

If you ever get stuck on what to make for the week then check out $5 Meal Plan. They send you weekly meal plan recipes, ingredients list, and a nutritional breakdown so that it helps you save time and money when it comes to meal planning. Plus they’re offering a free 14 day trial right now, after the trial it’s $5 a month. It’s good for people who don’t like to spend so much time trying to come up with new things to make.

1 | On The Go Breakfast Muffins

Recipe and image from The Cooking Jar

These On-the-go Breakfast Muffins from The Cooking Jar have eggs, cheddar cheese, spinach leaves, bacon bits, and paprika. Doesn’t it look delicious? It’s great for a grab-n-go breakfast.

2 | Breakfast Energy Smoothie

Photo and recipe from Deliciously Sprinkled

Breakfast Energy Smoothie from Deliciously Sprinkled is perfect for those days when you’re strapped for time and need a quick pick me up in the morning. Whip this smoothie up if you have some OJ, yogurt, vanilla, and frozen berries around.

3 | Strawberry Breakfast Pastries

Recipe and Image from Just A Taste

These Strawberry Breakfast Pastries from Just A Taste is perfect for when you want a something a little sweet in the mornings. All you need to make this is some puff pastry, cream cheese, strawberry jam, strawberries, and egg.

4 | Breakfast Quinoa Oatmeal

Recipe and Image from Feel Good Foodie

This Breakfast Quinoa Oatmeal from Feel Good Foodie is super easy to make plus it’s so healthy for you. All you need is your favorite fruit, quinoa, almond milk, maple syrup, and salt.

5 | Sausage Breakfast Bombs

Sausage Breakfast Bombs from Thirsty Handmade Days is awesome for grab-n-go breakfast plus all you need are 3 ingredients which are breakfast sausage, crescent rolls, and cheese. Super simple!

6 | Breakfast Coffee Banana Smoothie

Recipe and Image from Homemade Hooplah

This Breakfast Coffee Banana Smoothie from Homemade Hooplah will give you the pick me up you need in the morning plus a nutritional boost from the bananas. All you need to make this are bananas, sugar, yogurt, milk, and coffee.

7 | Breakfast Street Tacos

Recipe and Image from Tried and Tasty

These Breakfast Street Tacos from Tried And Tasty are simple to make and all you need are sausages, tortillas, eggs, cheese, and tomato.

8 | Breakfast Yogurt Parfait

Recipe and Image from The Spicy Apron

This breakfast yogurt parfait from The Spicy Apron is a healthy way to start off your mornings. All you need are yogurt, granola, and choice of fruit!

9 | Chia Seed Blueberry Kiwi Probiotic Breakfast

This Chia Seed Blueberry Kiwi Probiotic Breakfast from Skinny Over 40 will give you a nutritional boost to start the day. All you need is chia seeds, yogurt, blueberries, and kiwi.

10 | Easiest Crepe Recipe

Photo and recipe from The Stay at Home Chef

Make the easiest crepes from The Stay at Home Chef. These will be a delicious way to start your morning. You can always add your favorite fruits, syrups, cream, or butter to crepes to give it an extra bit of pizzazz. All you need to make these are milk, eggs, salt, flour, and butter.

There you have it! Try one these easy and delicious breakfast ideas the next time you run out of things to make. Please let me know which one was your favorite!

Don’t forget to share the love by pinning below! Thanks for stopping by!


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Debt, Debt Journey

Debt Free Journey Update April 2020

It’s been 19 months into our debt free journey and we are in still in limbo right now due to this COVID-19 mess. As of April, we have paid off $77,339 worth of debt which is still amazing in itself. Our debt pay off progress remains the same since last month.

When we first started our debt free journey, we had $116,000 worth of debt. We’ve decided to hold off this month on paying anything towards our last two debts: Student Loan & Personal Loan from family.

September of 2018 we had all this debt:

8 Credit Cards
1 Car Loan
2 Medical Loans
2 Student Loans
1 Personal Loan and 1 Personal Loan from family
Total $116,000

April 2020 we have:

1 Student Loan
1 Personal Loan from family
Total $38,661

In 19 months, we’ve come a long way by paying off $77,339 worth of debt so far. With the right strategies in place, getting closer to becoming debt free is actually not as difficult as I’d thought. Find out the 5 tips we used to help knock out the first $50,000 in 10 months below.

Related: How To Get Out Of Debt With These 5 Tips

Tips To Get Out Of Debt

If you also want to be on your way to achieve a debt free life, you must create a plan that will help reach your goal. The most important aspect of getting your finances in order is creating a monthly budget. It helps to outline where you’re spending your money or if there are any areas in your life you need to save for.

1 | Create a monthly budget

Creating a budget will help you take control of your finances and draw out your map to financial success. I use the Zero Based Budget which has been extremely successful in helping us manage our money. If you want to use an app that tracks your spending automatically then use Personal Capital which is also a free app.

Debt-Free-Journey-Zero-Based-Budget-MyFinancialHill

Related: How To Budget Your Money For Beginners

2 | Saving During COVID-19

The reason we decided to stop paying down our debt this month is because of COVID-19. This whole situation has hit everyone hard and it’s affecting the economy. These are uncertain times right now, companies are laying people off or even cutting people’s pay. We’ve agreed that it was best to hold off throwing every cent we could come up with at debt until things settle down.

It’s probably best right now to save whatever money you may have coming your way instead of spending it unnecessarily. If you are also paying off debt, it may be best to be conservative with your spending right now.

3 | Look For Savings

RX

A Pharmacist from Walgreens told me about GoodRX. Look up any medication on GoodRX, find a coupon, print it, and bring it in to a pharmacy to get a discount.

A normal medication which was costing over $90 was about $13 with the printed coupon, it’s amazing.

Car Insurance

Our car insurance company automatically refunded back a few dollars most likely due to COVID-19. Did you get any refund check? If not, it doesn’t hurt to call them up and explain your situation if you’re car has not been driven for months now.

School Loan Forbearance

Take advantage of the school loan forbearance being offered due to COVID-19. Most Federal school loans will be in forbearance until the end of September, and they will also not apply any interest.

Amazon Discount

Those that have Amazon Prime knows how fast the Prime delivery usually is. Now with COVID-19, the shipping times have significantly decreased. You can speak with customer service and they may give you some form of credit if you have a legitimate issue. It may be a few bucks, but hey it’s something.

4 | Save on Food Costs

Prior to starting our debt free journey, we used to go to restaurants all weekend and barely cooked much at home. Once we started budgeting, we realized we were spending almost $800-$1,000 a month on food. That included groceries, take out food, and restaurants. You’d be surprised when you track all your transactions and find out how much you’re actually spending.

Ever since we started being mindful of how much we were spending on food, we’ve been trying to find savings in the food category of our budget. 90% of the time we are eating more at home which helps us save tremendously from spending money at restaurants. Plus eating at home is probably a whole lot healthier than buying processed food from fast food places.

If you need some ideas on recipes to cook, check these out:

Air Fryer Recipes Healthy and Low Carb for Dinner

10 Easy Breakfast Ideas

20 Easy Keto Low Carb Recipes for Dinner

Digital Coupons

I have to admit that I’m not an avid coupon collector or anything, it’s just too time consuming. To make things easier I use Ibotta where I can upload my receipt to get cash back on food, pretty simple to use.

Sign up for free at Ibotta and use the code YDIGCFJ to get your $20 welcome bonus

We have been making more of an effort to cook at home. If ordering delivery on occasion, using Rakuten is good for getting cash back on food delivery services like GrubHub or Postmates.

Sign up today with Rakuten to get $10 in a welcome bonus and be on your way to start earning cash back for online purchases. Don’t miss out on FREE MONEY!

To find more saving ideas, check out 95 Best Money Saving Tips to Start Now

5 | Make extra money if you can

With COVID-19 lingering around, it’s probably best to try to make extra side money safely.

  • Put money into a high yield savings account to earn money passively
  • Sell your clothes/furniture/toys/electronics on Ebay, Mercari, Letgo, or Nextdoor
  • Take online surveys for money Get your $10 sign up bonus today with Swagbucks
  • Be a freelancer on Fiverr and sell your skills including being a graphic designer, virtual assistant, photo editing, writing/editing/proofreading content, marketing, programming, SEO optimization, programming, transcription, other social media services
  • Make money losing weight on HealthyWage and other apps like Dietbet and Stickk. People make hundreds to thousands of dollars by challenging themselves to lose weight which creates a financial incentive.

Check out other ways to make extra money every month

RELATED:EASY WAYS TO MAKE EXTRA MONEY EVERY MONTH

6 | Second guess your purchases

Before you buy anything from a $5 to $1,000 item, ask yourself if you really need it. We stopped spending money frivolously just by purchasing things we actually really need rather than want.

7 | Travel For Free

Now that most states are lifting their stay-at-home order, you may be itching to travel or take a trip somewhere. If you must travel, do so cautiously. On the financial aspect of traveling, did you know that you can get free flights, cruises, and excursions?

While we started our debt free journey, we use credit card points to pay for our trips. Learn how below. Ever since COVID-19 hit, we are taking precautions and not deciding to travel for the time being.

So far, we have accumulated over 500,000 credit card points which is an equivalent to around $5,000. We used those points to pay for our Carnival Cruise, Flight for Las Vegas, and so much more. Also, when we search for flights we use Skyscanner to find the cheapest flights possible. If you’d like to learn about how we accumulate credit card points to cover our trips (before COVID-19), check out the posts below.

Debt Free Journey – April 2020 Update

Not much has changed since last month. Since we are holding off on paying any debt towards our last two loans, our progress remains the same. So far, we now have a total debt remaining balance of $38,661. We paid off $77,339 so far in 19 months out of $116,000 total debt.

I’m hoping the COVID-19 situation goes away soon so life can go back to normal. There is no interest accumulating for our last two debt items so it’s okay if we take our time to pay those back. COVID-19 is a slight hiccup on our debt free journey but I’ve always looked at this process as a marathon, not a sprint.

Are you ready to start your own debt free journey? Get started by grabbing this free Debt Thermometer and join us in the free 5-Day Debt Free Bootcamp to pay off $500 worth of debt in your first month.

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Debt, Debt Journey

January 2020 $69,522 Debt Payoff Journey

It’s been 16 months so far into this $116,000 debt journey. We are more than half way done as of January 2020 as we paid $69,522 so far! There are a lot of factors that got my husband and I to this point. One day, we decided that enough was enough and set our goals to be debt free one day. This whole process is actually not as hard as I thought it was going to be. I had this preconceived notion that we were going to be sacrificing a great deal, it actually doesn’t feel like we have. There are plenty of factors that we’ve implemented to help us get to this point and will continue to use to reach our goal. I hope these tips can also help anyone else that wants to get out of debt too.

September of 2018 we had all this debt:

8 Credit Cards
1 Car Loan
2 Medical Loans
2 Student Loans
1 Personal Loan and 1 Personal Loan from family
Total $116,000

January 2020 we have:

1 Student Loan
1 Personal Loan from family
Total $46,478

We have a combined total income of about $120,000-$130,000 a year. Basically, we had almost a year’s salary worth of debt. How crazy is that? One day we decided to follow a plan to help get us out of debt because what we were doing definitely wasn’t working. Find out how we paid off $50,000 in the first 10 months of this journey.

Related: How To Get Out Of Debt With These 5 Tips

Tips To Get Out Of Debt

If you implement a few strategies, you can also be on your way to be debt free. It’s all about finding the right tools and tips to help save you money and manage it properly.

1 | Write down your list of debt

Create a list of your debt from the smallest balance on top of the list to the largest balance on the bottom of the list. It will give you an idea of what you’re working with. Don’t be discouraged when you see all the debt you have. You can get through this! If we muddled more than half way through $116,000 then you sure can too!

2 | Create a monthly budget

It which will help you take control of your finances and draw out your map to financial success. I use the Zero Based Budget which has been extremely successful in helping us manage our money. If you want to use an app that tracks your spending automatically then use Personal Capital which is also a free app.

Zero Based Budget MyFinancialHill

Related: How To Budget Your Money For Beginners

3 | Save for an Emergency Fund

Unless you’re a psychic, you will never know what tomorrow will bring. You don’t want to be stuck in a position where you spent all your extra money paying off debt while not having anything saved up during an emergency like a job loss, medical emergency, and more. It’s so important to save a good 2-6 month portion for emergencies before throwing every extra money you have at debt. You can still pay debt while saving for your emergency fund but make sure you don’t forget this category in your budget.

4 | Use the Snowball Method to pay off debt

Snowball Method to Pay Debt - How To Get Out Of Debt With These 5 Tips - MyFinancialHill

5 | Make extra money if you can

  • Put money into a high yield savings account to earn money passively
  • Work extra shifts or over time
  • Drive for UBER  or Lyft
  • Be a babysitter or caretaker on Care / Petsit on Rover
  • Sell your clothes/furniture/toys/electronics on Ebay, Mercari, Letgo, or Nextdoor
  • Take online surveys for money Get your $10 sign up bonus today with Swagbucks
  • Be a freelancer on Fiverr and sell your skills including being a graphic designer, virtual assistant, photo editing, writing/editing/proofreading content, marketing, programming, SEO optimization, programming, transcription, other social media services
  • Make money losing weight on HealthyWage and other apps like Dietbet and Stickk. People make hundreds to thousands of dollars by challenging themselves to lose weight which creates a financial incentive.
  • Rent out a room by charging a fee on Airbnb. That can easily bring in extra hundreds of dollars each month.

Check out other ways to make extra money every month

RELATED:EASY WAYS TO MAKE EXTRA MONEY EVERY MONTH

6 | Second guess your purchases

Before you buy anything from a $5 to $1,000 item, ask yourself if you really need it. We stopped spending money frivolously just by purchasing things we actually really need rather than want.

7 | Stop comparing your lives to others

Truth of the matter is you don’t have to spend tons of money on cars, travel, clothes, etc. to keep up with the Jones’. It’s your life and not theirs. Other people probably are up to their necks in debt trying to live lavishly so there is no point in trying to keep up with others. It’s best to focus on your financial goal and be content with what you have.

8 | Personal loans can help tremendously

As a matter of fact, we took one out years ago to move out of an expensive city. We used a portion of that loan to put away in our emergency fund, applied for a down payment on our home, and applied it for our debt. In a matter of 10 months, we also paid off that personal loan off too. Check to see if you qualify for one at Lending Club to help you consolidate debt.

9 | Find Savings

Food costs was huge expense for us. We spent almost $800-$1,000 a month on food. That included groceries and take out food. You’d be surprised when you track all your transactions and find out how much you’re actually spending. To cut costs on groceries I used Ibotta to get cash back when grocery shopping.

Cooking more at home will help prevent the need to buy take out food. Making large batches of food is easy with the Instant Pot like soups, stews, tender meat, and so much more. Using the Instant Pot will help you save time and money plus you can freeze any left overs.

I used Rakuten  to get cash back when booking travel, hotels, car rentals, online shopping and more.

If I was looking for spa treatment, oil change, restaurants, or activities, I went on Groupon to get the cheapest deals. At Groupon, get an extra 20% Off Local Plus An Extra 10% Off Travel. Use Code SAVE

Cut your cellphone bill in half by switching to Cricket Wireless, they even have free smartphones available. We pay $80 flat with all taxes included for 2 phones and unlimited data.

Get cheaper quotes by switching your insurance companies for the car, home, apartment, etc.

Do some DIY repair work for your home/condo/apartment by doing some research online and getting parts at Home Depot, or Lowes.

10 | Travel For Free

We didn’t want to sacrifice our travel while on this journey to pay off debt. We made it work by using travel card points to cover our travel expenses. By implementing the budgeting and snowball method, we quickly paid off all our consumer debt which in turn raised our credit scores. We qualified for travel cards that offer an equivalent of $500-$700 or more worth of points. We used those points to pay for our Carnival Cruise, Flight for Las Vegas, and so much more. Also, when we search for flights we use Skyscanner to find the cheapest flights possible.

January 2020 Debt Payoff Progress

At the end of this month, we paid a total of $1,553 which consists of our snowball debt rollover amount. So far, we now have a total debt remaining balance of $46,478. We paid off $69,522 so far in 16 months out of $116,000 total debt. Slowly but surely, we’re chipping away!

It’s been a long year of 2019. 2020 is the start of a new year. I have a goal to achieve which is to be debt free by the end of this year! Making extra money, finding ways to save, sticking to a budget, while still having fun will get us there. I hope these tips will help you as well to get you started on your debt paying journey.

Are you ready to start your own debt free journey? Get started by grabbing this free Debt Thermometer and join us in the free 5-Day Debt Free Bootcamp to pay off $500 worth of debt in your first month.

​Read More
February 2020 $72,060 Debt Payoff Journey - MyFinancialHill
Debt, Debt Journey

February 2020 $72,060 Debt Payoff Journey

It’s been 17 months so far into this $116,000 debt journey. We are more than half way done as of February 2020 as we paid $72,060 so far! There are a lot of factors that got my husband and I to this point. One day, we decided that enough was enough and set our goals to be debt free one day. This whole process is actually not as hard as I thought it was going to be. I had this preconceived notion that we were going to be sacrificing a great deal, it actually doesn’t feel like we have. There are plenty of factors that we’ve implemented to help us get to this point and will continue to use to reach our goal. I hope these tips can also help anyone else that wants to get out of debt too.

September of 2018 we had all this debt:

8 Credit Cards
1 Car Loan
2 Medical Loans
2 Student Loans
1 Personal Loan and 1 Personal Loan from family
Total $116,000

February 2020 we have:

1 Student Loan
1 Personal Loan from family
Total $43,940

We have a combined total income of about $120,000-$130,000 a year. Basically, we had almost a year’s salary worth of debt. How crazy is that? One day we decided to follow a plan to help get us out of debt because what we were doing definitely wasn’t working. Find out how we paid off $50,000 in the first 10 months of this journey.

Related: How To Get Out Of Debt With These 5 Tips

Tips To Get Out Of Debt

If you implement a few strategies, you can also be on your way to be debt free. It’s all about finding the right tools and tips to help save you money and manage it properly.

1 | Write down your list of debt

Create a list of your debt from the smallest balance on top of the list to the largest balance on the bottom of the list. It will give you an idea of what you’re working with. Don’t be discouraged when you see all the debt you have. You can get through this! If we muddled more than half way through $116,000 then you sure can too!

2 | Create a monthly budget

It which will help you take control of your finances and draw out your map to financial success. I use the Zero Based Budget which has been extremely successful in helping us manage our money. If you want to use an app that tracks your spending automatically then use Personal Capital which is also a free app.

Zero Based Budget MyFinancialHill

Related: How To Budget Your Money For Beginners

3 | Save for an Emergency Fund

Unless you’re a psychic, you will never know what tomorrow will bring. You don’t want to be stuck in a position where you spent all your extra money paying off debt while not having anything saved up during an emergency like a job loss, medical emergency, and more. It’s so important to save a good 2-6 month portion for emergencies before throwing every extra money you have at debt. You can still pay debt while saving for your emergency fund but make sure you don’t forget this category in your budget.

4 | Use the Snowball Method to pay off debt

Snowball Method to Pay Debt - How To Get Out Of Debt With These 5 Tips - MyFinancialHill

5 | Make extra money if you can

  • Put money into a high yield savings account to earn money passively
  • Work extra shifts or over time
  • Drive for UBER  or Lyft
  • Be a babysitter or caretaker on Care / Petsit on Rover
  • Sell your clothes/furniture/toys/electronics on Ebay, Mercari, Letgo, or Nextdoor
  • Take online surveys for money Get your $10 sign up bonus today with Swagbucks
  • Be a freelancer on Fiverr and sell your skills including being a graphic designer, virtual assistant, photo editing, writing/editing/proofreading content, marketing, programming, SEO optimization, programming, transcription, other social media services
  • Make money losing weight on HealthyWage and other apps like Dietbet and Stickk. People make hundreds to thousands of dollars by challenging themselves to lose weight which creates a financial incentive.
  • Rent out a room by charging a fee on Airbnb. That can easily bring in extra hundreds of dollars each month.

Check out other ways to make extra money every month

RELATED:EASY WAYS TO MAKE EXTRA MONEY EVERY MONTH

6 | Second guess your purchases

Before you buy anything from a $5 to $1,000 item, ask yourself if you really need it. We stopped spending money frivolously just by purchasing things we actually really need rather than want.

7 | Stop comparing your lives to others

Truth of the matter is you don’t have to spend tons of money on cars, travel, clothes, etc. to keep up with the Jones’. It’s your life and not theirs. Other people probably are up to their necks in debt trying to live lavishly so there is no point in trying to keep up with others. It’s best to focus on your financial goal and be content with what you have.

8 | Personal loans can help tremendously

As a matter of fact, we took one out years ago to move out of an expensive city. We used a portion of that loan to put away in our emergency fund, applied for a down payment on our home, and applied it for our debt. In a matter of 10 months, we also paid off that personal loan off too. Check to see if you qualify for one at Credible to help you consolidate debt.

9 | Find Savings

Food costs was huge expense for us. We spent almost $800-$1,000 a month on food. That included groceries and take out food. You’d be surprised when you track all your transactions and find out how much you’re actually spending. To cut costs on groceries I used Ibotta to get cash back when grocery shopping.

Ibotta

Sign up for free and use the code YDIGCFJ get your $20 welcome bonus.

Cooking more at home will help prevent the need to buy take out food. Making large batches of food is easy with the Instant Pot like soups, stews, tender meat, and so much more. Using the Instant Pot will help you save time and money plus you can freeze any left overs.

I used Rakuten  to get cash back when booking travel, hotels, car rentals, online shopping and more.

Sign up today with Rakuten to get $10 in a welcome bonus and be on your way to start earning cash back for online purchases. Don’t miss out on FREE MONEY!

If I was looking for spa treatment, oil change, restaurants, or activities, I went on Groupon to get the cheapest deals.

Sign up for free here at Groupon to start getting your MEGA savings.

Cut your cellphone bill in half by switching to Cricket Wireless, they even have free smartphones available. We pay $80 flat with all taxes included for 2 phones and unlimited data.

Get cheaper quotes by switching your insurance companies for the car, home, apartment, etc.

Do some DIY repair work for your home/condo/apartment by doing some research online and getting parts at Home Depot, or Lowes.

Read More: 95 Best Money Saving Tips to Start Now

10 | Travel For Free

We didn’t want to sacrifice our travel while on this journey to pay off debt. We made it work by using travel card points to cover our travel expenses. By implementing the budgeting and snowball method, we quickly paid off all our consumer debt which in turn raised our credit scores. We qualified for travel cards that offer an equivalent of $500-$700 or more worth of points. We used those points to pay for our Carnival Cruise, Flight for Las Vegas, and so much more. Also, when we search for flights we use Skyscanner to find the cheapest flights possible.

End of Month

At the end of this month, I found $867 in overage from budgeting. What gave us that overage was an increase of income from me working extra temporary jobs on my days off and from my husband getting a bonus. We then took that extra amount and combined it with our monthly debt snowball amount of $1669 to throw it at my student loan. We paid a total of $2,536 towards the student debt. We now have a total debt remaining balance of $43,940. We paid off $72,760 so far in 17 months. Slowly but surely, we’re chipping away!

Paying off debt doesn’t have to be the hardest thing in the world. Actually, I don’t think my life has changed all that dramatically. Once we got the ball rolling on paying off our debt our credit scores rose to the 800’s and now we qualify for awesome travel cards which we use to take trips and vacations. We don’t spend money unnecessarily and always try to find savings where we can and make extra money when we can. Some of these tips will help you keep some money in your pockets and pay off debt easily too.

Are you ready to start your own debt free journey? Get started by grabbing this free Debt Thermometer and join us in the free 5-Day Debt Free Bootcamp to pay off $500 worth of debt in your first month.


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Money

60 Best Mother’s Day Gift Ideas Under $50

Mother’s Day is coming up and what better way to show your love and appreciation for the person who’s raised you! Put a smile on your mom’s face by getting her something special. If you’re stuck and have no idea what to get her, don’t worry. You’ll see below 60 of the best Mother’s Day gift ideas to get her all for under $50. There are lots of unique gifts you can get her from all different categories ranging from jewelry, things for the home, spa related gifts, beauty products, things for the garden, and books. You’ll be sure to find her something she’ll adore for Mother’s Day.

JEWELRY

Get your mom some special jewelry she can wear that will remind her how loved she is. She will be sure to love these special jewelry pieces. They vary from essential oil bracelets, specially engraved or customized necklace to symbolize your family, and more!

HOME

If your mom loves decor, get her something around the home that will remind her how special she is. 

SPA

Pamper your mom with spa gifts so she can indulge in a little Rest & Relaxation at home. Have her wind down with some sweet smelling candles, beautiful flower soap, colorful and fun bath bombs, hand treatment, and more.

 

BEAUTY

Treat your mom to some beauty products that will help keep her looking beautiful, healthy, and flawless. Keep her looking great with beautiful eye shadow, jade face roller, face masks and gold under eye treatment, facial exfoliator, hair curling iron, and more.

GARDEN

Surprise your mom with outdoor gardening decorations to put a smile on her face. Does she have succulents? Use these cute and decorative pots for propagating succulents.

BOOKS

Get your mom some books if she loves to read or color to remind her you’re thinking of her on Mother’s Day

Show your mom some love on Mother’s Day, give her a hug, thank her for all those years she raised you to become the wonderful person that you are. Find her something special from this list of 60 best Mother’s Day gift ideas under $50 to make her smile on her day. You can still make your mom feel special without spending loads of cash. Would you like to find out some more money saving tips? Check out the post below.

Related: Best Money Saving Tips to Start Now

Please share the love by pinning below!


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