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My last post I summarized how much I paid off in debt this year. Here is my March debt payoff total  ...

Apr 8, 2020

My last post I summarized how much I paid off in debt this year. Here is my March debt payoff total broken out by each one of my debt categories.

DFC 🍃🌸💕
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@dollfaceclub @kleapatraaa keeping all her girls fly and unique 🙌 ...

Apr 8, 2020

DFC 🍃🌸💕 • • • dollfaceclub kleapatraaa keeping all her girls fly and unique 🙌🏻 there isn’t a brand out there like this. Don’t sleep on it ladies 💯 #dollfaceclub #DFC #explorepage #fashion

March

Apr 8, 2020

March's ebd of the month debt free numbers. I can't believe it has already been a year since we started this journey. I feel like we didn't make too much progress last month due to the whole pandemic thing we are just paying minimums right now to make sure we dont take a step backwards. We will get there soon! 💕 . . . #raychardsgoingdebtfree #goingdebtfree #debtboard #decrease #debtfreecommunity #dfc #daveramseybabysteps #daveramsey #babystep2 #bs2 #payingoffdebt #goingminimal

My resignation period ends tomorrow and that means I will be officially unemployed. 😖⠀
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On o ...

Apr 8, 2020

My resignation period ends tomorrow and that means I will be officially unemployed. 😖⠀ ⠀ On one hand, I feel as though a huge weight has been lifted as my job was SUPER stressful and my boss was not easy to deal with on her “bad days”. ⠀ ⠀ On the other hand, I’m now freaking out that I won’t find another job in this current crazy situation we’re in and I still have bills to pay!⠀ ⠀ Now that I have all this spare time, I’ve been thinking about what I could do with my blog that I’ve left dormant for a few months. I’d like to make a real go of it but I’m not sure on what I should write about that might be of interest to my #DFC community? ⠀ ⠀ I have so much I’d like to write about that I could write for days on end. What better time to get it all off my chest than now since I’m unemployed and in isolation! 🙄

Realized today I have one last cheque coming in next week!  My part time job (before we were furloug ...

Apr 8, 2020

Realized today I have one last cheque coming in next week! My part time job (before we were furloughed), committed to paying us a “portion” of our upcoming scheduled shifts for the original 2 weeks after they initially decided to close. I thought it was all paid up on my last cheque, but the system just wasn’t updated when I looked last. I get additional taxes taken off each cheque to help me out at tax time, so it won’t be a huge one, but I estimate it will be around $60. It’s not a lot but will pay for the groceries I put on my credit card yesterday. • Yes, I am responsibly using my credit card during this time and am fine with that. I sat down and thought long and hard over everything and made the decision that I was going to leave the money in my accounts (chequing, savings, EF, sinking funds) for paying my bills. Any spending I am doing now is purely on essentials (food, gas, medication) so I am putting those on my credit card. The goal is of course to pay these off in full at the end of the month. ***In the absolute WORST CASE scenario, if my income for the next little bit does not permit me to pay off the credit card in full and I need to carry a balance until I am working again. I am 100% comfortable knowing that the only items on that card were necessities and sustained me during a pandemic that was not my fault. But of course, anytime I get any unplanned/unbudgeted for money (online sales, etc) I will be putting that money on the card in lieu of making extra debt payments at this time. This is just MY “Worst Case Scenario Plan”. I fully encourage you to come up with one that works best for your family, especially if you have already been laid off or expect to be. #dfc #debtfreejourney #debtfreecommunity #debtfreecommunitycanada #canadiandebtfreecommunity #canadiandebtfreejourney #frugalliving #frugal30something #covid19layoff #unemploymentlife

A few weeks back, I was NOT feeling myself. I was having a hard time sleeping and feeling very anxio ...

Apr 8, 2020

A few weeks back, I was NOT feeling myself. I was having a hard time sleeping and feeling very anxious. For about two weeks, successful days for me were making it out of bed and to my computer to work remotely in my pajamas. It was not pretty and I didn't feel my best. I was very preoccupied with trying to be productive, worrying about our health & loved ones, and worrying about job stability. ⁣⁣ ⁣ I had to spend a few days doing things that were 0% productive but made me feel good like eating my favorite ice cream, taking a stroll outside, facetiming with family, playing an online game I haven't played in years, catching up on shows, and doing some face masks. ⁣⁣ ⁣⁣ During this time, it’s essential you focus on your mental state. Though it's a scary and uncertain time, we're all navigating through new territory that many of us have never experienced. ⁣⁣ ⁣⁣ It's OK to be scared, nervous, etc, its OK to do things that bring you pure joy, happiness, and peace of mind. 𝐓𝐡𝐞 𝐬𝐨𝐨𝐧𝐞𝐫 𝐲𝐨𝐮 𝐭𝐚𝐤𝐞 𝐜𝐚𝐫𝐞 𝐨𝐟 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟, 𝐭𝐡𝐞 𝐬𝐨𝐨𝐧𝐞𝐫 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐟𝐞𝐞𝐥 𝐫𝐞𝐟𝐫𝐞𝐬𝐡𝐞𝐝 and ready to start being productive during this time. 𝐁𝐞 𝐤𝐢𝐧𝐝 𝐭𝐨 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟 🤗⁣⁣ ⁣⁣ ⁣⁣ ⁣⁣ #mentalhealth #anxiety #friendlyreminder #covid #peaceofmind #debtfreecommunity #dfc #daveramsey #budgeting #personalfinance #debtfreejourney #babystep2 #frugal #dinks #money #moneygoals #debtfree #gazelleintense

CURRENT•FINANCES - April 2020 (before payday) 💫💫
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Disclaimer: this is my April check in, be ...

Apr 8, 2020

CURRENT•FINANCES - April 2020 (before payday) 💫💫 . Disclaimer: this is my April check in, before I get my monthly pay on April 15 🌿🌿 . This month I’m keeping my budget the same (saving towards my house deposit, shares and emergency fund) as I don’t know what the future holds with my work. 🌿 . I have 4 days of forced leave (yep, using annual leave) right after Easter. 🌿 . My plan is to continue my budget as is, unless something changes. 🌿 . I’m not sure if there will be more forced leave in the future, if my hours will be cut or anything along those lines. 🌿 . My main saving focuses as always are: house deposit, shares and emergency fund.🌿 . You’ll probably notice that the shares balance is looking a bit sad. 🌿 . I purchased some shares last month after I got my monthly pay. 🌿 . . #savingforahouse #emergencyfund #shares #finances #savings #barefoot #daveramsey #fire #debtfreejourney #debtfree #dfc #money #financegoal #financialindependence #gazelleintense #millionairemindset #invest #investor #womenandmoney #thefutureisfemale #millennials #financegoals #babeswhohustle #moneymanagement #independentwoman #savingschallenge #womenwhowork #moneysaver #mymoney #ozdebtfreecommunity

It looks like we might be in this lockdown longer than we originally thought! Therefore, I purchased ...

Apr 8, 2020

It looks like we might be in this lockdown longer than we originally thought! Therefore, I purchased a few more real estate investing books to keep the real estate education going. I like to read when I first wake up and towards the end of the night. I’m always looking to try and gain more knowledge in the real estate investing world and this lockdown has provided me with an opportunity to do just that. #realestateinvesting101 #realestateinvesting #househacking #househackingstrategy #brrrr #brrrrstrategy #biggerpockets #reading #learning #selfeducation #firemovement #firecommunity #financialliteracy #financialfreedom #financialindependence #personalfinances #learningtoearn #booksofinstagram #selfcare #investintomorrow #amazon #theprocess #believeinyourself #selfeducation #tuesday #dfc #debtfreecommunity

So I made a smaller payment yesterday. Obviously trying to pace myself and be a bit more conservativ ...

Apr 8, 2020

So I made a smaller payment yesterday. Obviously trying to pace myself and be a bit more conservative as things roll out over the next few weeks. #ihatebeingbroke #financialfreedom #dfc #debtfreejourney #paid #stimuluscheck #2020goals

We hope everyone is keeping sane and safe at home during this global Pandemic. Being confined to one ...

Apr 8, 2020

We hope everyone is keeping sane and safe at home during this global Pandemic. Being confined to one space can be harsh on our mental health as well as our physical health. In these hard times some may turn to old habits or form new ones like smoking. Remember that people who smoke tobacco or marijuana, vape, etc. have a greater risk involving the corona virus (COVID-19) due to the negative effects these substances have on a persons respiratory system. If you or someone you know is suffering from addiction please reach out to L.A. CADA our agency is still here to help you through these tough times. #Jovenesspeakup #lacada #addiction #smoking #vape #juul #wheresmyjuul #tiktok #covid19 #coronavirus #projectstop #dfc #themoreyouknow #lungs #breath #stayathome #stayhealthy

With all this confined living we are doing nowadays, this is the perfect opportunity to do things yo ...

Apr 8, 2020

With all this confined living we are doing nowadays, this is the perfect opportunity to do things you wouldn't usually do on a daily basis. So here is Part 1 of some activities you can do while being in ISO. ✨ Bake goods ✨ Clean your make up brushes ✨ Rearrange furniture in your space whether that be just your bedroom, bathroom or the entire house ✨ Go for a walk around your local area ✨ Do a in home workout ✨ Declutter your kitchen by getting rid of expired food and cooking materials you no longer use ✨ Redecorate your space. Move home decor pieces you already have and give them a new home ✨ Declutter your wardrobe and get rid of anything you haven't worn in 6 months (try the coat hanger method - flip the hangers facing outwards and flip the hangers inwards when you've worn pieces so you know what you don't wear) ✨ Weed your garden ✨ Rearrange your kitchen cupboard so it has a system. Put all your spices in a box. Your spreads all together. Oil, vinegar and dressings together. Can goods together. Unhealthy snacks together ✨ Mop the floors ✨ Dust your surfaces (my least favourite because my allergies always flare up) ✨ Pick some flowers from your garden (if you have any) and put them in a vase ✨ Play some games with your household members ✨ Reorganise your linen closet ✨ Clean your shower/bath, toilet and vanity. Then go through your cupboards and get rid of expired medications (depose at the chemist), old makeup and items you haven't used ✨ Do a self care day - take a bath, put on a face mask, put on some feel good music etc ✨ Listen to a podcast ✨ Meditate ✨ Read a book you are yet to open but have been meaning too ✨ Read a FINANCE book! Perfect for this crazy time in our lives. I'm currently following the Barefoot Investor and his way of savings. Mindful money is also another great book by Canna Campbell. . . . . . #isolationcreation #iso #isoliving #weekendvibes✌️ #shesonthemoney #tryingtobudget #thebrokegeneration #debtfreecommunityaustralia #financialfreedom #followmyjourney #letsdeclutter #planner #stopdropdeclutter #sidehustles #isoactivities #minimalism #deepcleaning #keepoccupied #dfc #tryingtofindthefuniniso #decluttermylife

По прогнозам BCG, Nielsen и McKinsey, сидеть нам на самоизоляции  ...

Apr 8, 2020

По прогнозам BCG, Nielsen и McKinsey, сидеть нам на самоизоляции до Июня... по случаю прикупила себе мини-степпер, но надеюсь всё-таки на быструю реакцию “Киржачтелеком» и подключение дачи к интернету. Ну а пока: первые 1000 шагов на степпере - ✅ #министеппер #dfc

✖️❣️Kinda Obsessed with this brand and the maker @dollfaceclub ❣️✖️ #sandiego #stayh ...

Apr 7, 2020

✖️❣️Kinda Obsessed with this brand and the maker dollfaceclub ❣️✖️ #sandiego #stayhome #quarantine #dollface #dfc #photooftheday

Another horse completed, and several more in my queue (as many as I have DOGS). After much struggle, ...

Apr 7, 2020

Another horse completed, and several more in my queue (as many as I have DOGS). After much struggle, I have FINALLY begun to establish myself in the horse world. And just in time because I lost my waitressing job due to the coronavirus shutdown. Life is good. GOD is great. #daveramseybabysteps #daveramsey #gazelleintense #dfc #debtfreecommunity #debtfreejourney

Finally...I have had a few people interested in my real estate portraits and I got 2 orders today!!! ...

Apr 7, 2020

Finally...I have had a few people interested in my real estate portraits and I got 2 orders today!!!! And another 2 people interested. I’m hoping to build this portion of my business up!!! #daveramseybabysteps #daveramsey #gazelleintense #dfc #debtfreecommunity #debtfreejourney

Getting BOOKED and trying to stay on top of it, so that I can keep the lights on.  BLESSED to have l ...

Apr 7, 2020

Getting BOOKED and trying to stay on top of it, so that I can keep the lights on. BLESSED to have lots of repeat orderers and excited customers who spread the word. I’m keeping busy. How are y’all doing? #4wallsbudget #daveramseybabysteps #daveramsey #gazelleintense #blessed #covid19 #dfc #debtfreecommunity

Sometimes it’s not our circumstances that hold us back, it’s ourselves. Yep, that person in the  ...

Apr 7, 2020

Sometimes it’s not our circumstances that hold us back, it’s ourselves. Yep, that person in the mirror. . . We want a new job but we’re too afraid to leave our comfort zones. We’ve got a great business idea but force ourselves to believe that it will never work. We want to pay off debt but tell ourselves it will never happen because x, y, and z. . . What you feed your body affects its health. What you feed your mind affects your mental space. Whatever you tell yourself, you’re right 🤷🏽‍♀️. . . Today, try something different. Get out of your own way and see what happens. Open yourself up to grow and YOU WILL GROW. You may not be exempt from growing pains, but growth is growth. . . Click the link in my bio to get my free 7-day gratitude journal to get started on removing your money blocks!🔗

Updated snowball plan, I

Apr 7, 2020

Updated snowball plan, I'm doing what is working best for me. I balance transferred my Discover card and the majority of my BB&T card to a new Citi card with 0% interest for 15 months. This will save me tons on interest! I know balance transfers are a controversial topic, so please be kind or keep quiet. Everyone's journey is different, we should embrace it! I am not in a rush to pay off my car because the interest rate is 2%. I am thankful to still be working daily #essentialemployee but also wishing I could have a few days as a break to relax. My anxiety has been running rampant, but just trying to focus on the now. . . #debtfreejourney #debtfreecommunity #debtfreedom #debtfreegoals #daveramsey #daveramseybabysteps #savemoney #savingmoney #debtfree #debt #debtsnowball #budgeting #frugal #frugalliving #financialfreedom #studentloans #studentloanssuck #borrowedfuture #budgetlife #personalfinance #brokemillenial #debtisdumb #debtsucks #dfc #babystep2 #bs2 #snowballpayments #teamtinyshovel #sidehustle

Compulsory refocusing.. No over spending. Thinking how to make this new phenomenon carry forward. I  ...

Apr 7, 2020

Compulsory refocusing.. No over spending. Thinking how to make this new phenomenon carry forward. I am not grateful for the sickness and passing of so many people, however I am so grateful for the slower pace. Stay safe everyone xx.. #debtfreenz #debtfreecommunity #debtfreedom #debtfreejourney #budgeting #debtfreegoals #budget101 #savemoney #financialpeace #livebeneathyourmeans #firemovement #dfc #sidehustle #livingonabudget #teamtinyshovel #moneysavingtip #zerobudget #payingbills #barefootinvester #juno

I definitely make these trackers much harder then they need to be.  And I almost always have some we ...

Apr 7, 2020

I definitely make these trackers much harder then they need to be. And I almost always have some weird number that doesn’t really fit the lines. We paid a significant portion of this with our tax refund ($4100) right before this whole #covid19 hit america. If we just pay the minimums we have about 4 months to go. But my current plan is to tackle this and then start saving the minimum payment I’ve been paying on it $455. At least until the virus is done.

😆my actual goals for April. What are yours?? ...

Apr 7, 2020

😆my actual goals for April. What are yours??

#Dfc discussion #chennai #Tanjavur saravana ...

Apr 7, 2020

#Dfc discussion #chennai #Tanjavur saravana

So next time I’ll be a little more specific with my prayers. My bad y’all! #dfc #debtfreecommuni ...

Apr 7, 2020

So next time I’ll be a little more specific with my prayers. My bad y’all! #dfc #debtfreecommunity #debtfreejourney #quarantinelife #budgeting #budgets #saving #savingsaccount #checkingaccount

What are you doing different? ...

Apr 7, 2020

What are you doing different?

Could anyone use some extra cash these days?! I’m gonna guess just about everyone would like some  ...

Apr 7, 2020

Could anyone use some extra cash these days?! I’m gonna guess just about everyone would like some extra money! Today on the blog we are talking about some of our favorite cashback credit cards. While we love our travel points, we get that with the present circumstances some of you may prefer cash at the moment. Many of these credit cards on our list have a low minimum spend requirement, making it easy to earn that signup bonus! Check out our blog post (link in bio) to learn how you can make some easy money 💵.

Don’t let anyone tell you otherwise! Anything done on a regular basis adds up, whether it’s debt ...

Apr 7, 2020

Don’t let anyone tell you otherwise! Anything done on a regular basis adds up, whether it’s debt payments or savings. Ask yourself, am I truly doing the best that I can with what I have? If so, you’re doing GREAT sweetie ❤️ #SavvySavingSquad #DebtFreeCommunity #DFC #Money #PersonalFinance #budget #savingmoney #frugalliving

Another month that housing tops the list of expenses!⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀ ...

Apr 7, 2020

Another month that housing tops the list of expenses!⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Luckily, a roof over our heads is a non-negotiable so I don't feel too badly about spending close to $4k a month on mortgage repayments 🏡 (this includes repayments on our investment property).⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ I imagine it would be a scary prospect to have little or no income at this time, however, with these massive expenses still looming over you. I'm in the process of doing up a bare-bones budget, which simulates what we would absolutely have to spend our money on if my husband and I were to lose our jobs.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ My husband and I have also spoken in depth about the possibility of our tenants not being able to pay their rent due to job losses, and we are thankful that we have money saved to allow us to wear this cost for a while. We don't believe it would be right to penalise them for something so outside their control 🙅‍♀️, particularly when they have been model tenants since they moved in.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Nothing is guaranteed in this world, especially not investments. 🤞 We can't expect our investment properties to always perform, just like we can't time the stock market.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ How are you doing with rent or mortgage repayments? I am here to offer support if you need someone to chat to. 💙 ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #emilyonmoney #financialfreedom #debtfree #wealthcreation #personalfinanceblogger #budget #moneygoals #investingwomen #millenialmoney #millenials #goaldigger #manifestingwealth #millionairehabits #debtfreecommunity #dfc #womenandmoney #monthlyexpenses #realnumbers #marchexpenses

The @irsnews changed the deadline to file and pay your federal income taxes from April 15th, 2020 un ...

Apr 7, 2020

The irsnews changed the deadline to file and pay your federal income taxes from April 15th, 2020 until July 15th, 2020. The federal taxes were extended to help everyone during this unprecedented time. Make sure you double check your state taxes since some states did not extend until July 15th, 2020. Have you filed your 2019 taxes yet? #coronamoneyhelp #financialliteracy . . . . . . . . . . #taxseason #tax #corona #coronavirus #financialfreedom #finances #financetips #money #moneyhelp #moneymoneymoney #moneymoves #moneymoneymoney #moneytips #personalfinance #personalfinances #dfc #debtfreecommunity #debtfree #budgeting #budget #taxpayers #budgetingtips #ira #rothira #taxrefund #onabudget #financialeducation #extension #taxrefunds

... in the sense that I like my space! I’ve never liked to hug people. I have always talked about  ...

Apr 7, 2020

... in the sense that I like my space! I’ve never liked to hug people. I have always talked about the need for my “bubble.” I gave a speech in college about personal space. When I worked in retail for 7 years, I hated when people handed me cash and their hands touched mine and would immediately sanitize my hands after the transaction. If people get too close to me, I instinctively move away/recoil or put my foot out so they can’t get any closer. I don’t like to be around toddlers too much because they’re always touching you (and they always seem to have what I call “peanut butter hands”). I NEVER touch door handles without covering my hand. I don’t like to touch surfaces in other people’s houses because I have no idea how clean they are. I just don’t like when people are near me. Never have, never will. Frankly, if I could ALWAYS be 6 feet away from people, even when this is over, I’d be a happy camper. I’ve been a germaphobe since before it was cool in 2020. Anyone else in this boat? 😝 #personalspace #covid19 #coronavirus #debtfreecommunity #debtfreejouney #stayhomemn #6feetapart #personalbubble #dfc #stayaway #donttouchme #donthugme

I eat a lot of eggs, especially on our #FWTFL Low Carb days...so it’s great to switch it up! Enter ...

Apr 7, 2020

I eat a lot of eggs, especially on our #FWTFL Low Carb days...so it’s great to switch it up! Enter my “Southwest Style” omelette with black beans, cheese, and salsa (I would also add guac if had some!)

We are only 2 months into our #deptfreepursuit and we have reduced it by over $13K!! Like, holy shit ...

Apr 7, 2020

We are only 2 months into our #deptfreepursuit and we have reduced it by over $13K!! Like, holy shit!! (That's our honest reaction to it!) ⁣ ⁣ This really kind of just makes us angry at ourselves for not starting this journey a long time ago! But more so we are so proud of ourselves! The self discipline of this budget life is DIFFICULT AF! We are very excited to be #debtfree sooner than later. ⁣ ⁣ We sold Xander's BMW today! And the extra money he made off of it went straight to our F250 loan. ⁣ ⁣ Can't wait to see these numbers at the end of the month after the #snowballpayment & #minimumpayments go through!⁣ ⁣ Hardwork and dedication is paying off! You can do it, too! ⁣ ⁣ #debtisdumb #debtsucks #dentpayoff #debtprogress #babystep2 #beweird #makeithappen #cashisking #dfc #budget #zerobasedbudget #financialfreedom

Anyone who

Apr 7, 2020

Anyone who's looking for an interesting quarantine read, I recommend this x100! If you're kind of wandering through your finances without any kind of plan this will help you find some focus. A key theme is identifying what is important to you so you move your energy and finances in that direction. Even if what you want from life is dramatically different from everyone else around you. Or, if you're realizing you want to pivot and make some different choices. The author also has a great podcast fairercents so when you finish the book you don't have to quit her cold turkey 😂

Continuing my new series on #moneymakingapps. (This is #notsponsored in any way by @inboxdollars or  ...

Apr 7, 2020

Continuing my new series on #moneymakingapps. (This is #notsponsored in any way by inboxdollars or Instagram. This is my own opinion and experience.) #InboxDollars is my number two favorite money making app! With InboxDollars your earnings are real money, not credits towards gift cards! I have cashed out for both checks and PayPal. I have used it for over 5 years. Personally, I save my money up all year until about October and then cash out and use the actual money towards our boys Christmas gifts. How do I earn? ➡️I open every Paid Email. 2 cents each! ➡️I attempt at least 3 surveys daily. ➡️I watch the Offers page for things that I will actually use or do and take advantage of those. ➡️I also have the Billy Button installed on my computer and use that to earn cash back when shopping online if their offer is better than Rakuten or Swagbucks. ➡️I use the Spin & Win wheel to advance my Scratch & Win bar. ➡️There are also playable games that will move you Scratch & Win bar, I rarely play those. If you have any questions feel free to ask me. If I can help I certainly will! If you haven't tried InboxDollars but would like to get my #referrallink please DM me and I'll send it. IMO it is worth your time! #debtfreejourney #debtfreecommunity #dfc #changingourfamilytree #earnmoney #workathome #sahm #legit #earncash #sidehustle #hustleathome #surveys #moneymaker #makingmoneymoves #goals #extraincome

FATORES DE RISCO PARTE 4/5⁣
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fala moçada, vamos continuar aqui com os fatores de risco, agora  ...

Apr 7, 2020

FATORES DE RISCO PARTE 4/5⁣ ⁣ fala moçada, vamos continuar aqui com os fatores de risco, agora chegando no final.⁣ O item 4 é muito ligado ao item 3, se você entendeu o post de ontem o de hoje vai entrar no sangue rapidinho. Se liga:⁣ ⁣ 4 – ENDIVIDAMENTO E SERVIÇOS DA DÍVIDA⁣ ⁣ Simboliza a capacidade de pagamento de juros e principal de dívida. Como falei lá em cima, está diretamente relacionado ao item 3.⁣⁣ Existe ainda o Índice de cobertura de juros (ICG) ⁣ ⁣ IGC = fluxo de caixa da operação (FCO)/despesa financeira⁣ ⁣ Você pode estar se perguntando por que usar o fluxo de caixa da operação e não o lucro líquido? ⁣ Pela estrutura da DRE, o pagamento das despesas financeiras vem antes do LL. Então por que devo usar o FCO ao invés de EBITDA ou ao invés do Lucro Operacional? Porque nem EBITDA nem Lucro Operacional significam CAIXA (ver item 3).⁣⁣ ⁣⁣ Por isso, quando uma empresa consegue gerar caixa com a operação, os níveis de risco (itens 1, 2, 3 e 4) despencam.⁣ ⁣ Brabo heim? Se você entendeu até aqui, já tá 90% encaminhado. Mas fica esperto porque a gente tá só começando. Não deixa de comentar aí embaixo se gostou ou se não entendeu algum conceito!⁣ abs⁣ ⁣

🧇 Таку красу робили нам на замовлення в Дружківці, в м ...

Apr 7, 2020

🧇 Таку красу робили нам на замовлення в Дружківці, в майстерні prjanivill ! 🥨 Вишуканий дизайн та медовий смак дарують безмежну насолоду від подарунку! 🧇 Для партнерів #швейнийкластер у Німеччині.

A organização e o planejamento de uma empresa são essenciais para sua atividade.
.
O DEMONSTRATIV ...

Apr 7, 2020

A organização e o planejamento de uma empresa são essenciais para sua atividade. . O DEMONSTRATIVO DE FLUXO DE CAIXA (DFC) pode lhe ajudar a manter um controle maior dos rendimentos e gastos, realizados ou não. Nele o empresário informará todas as entradas e saídas de recursos(dinheiro) da empresa, sejam elas no passado ou futuro, e com isso terá informações importantíssimas para a tomada da decisão com base na previsão destas movimentações. . A execução correta e constante do fluxo de caixa poderá ajudar o empresário na tomada de decisão com relação a necessidade de redução de gastos, planejamento de investimentos, necessidade de empréstimos e negociação com fornecedores. . O fluxo de caixa pode ser feito por meio de sistemas automatizados. Provavelmente aquele sistema que é utilizado para emissão de NFe, também tem disponível o DFC, porém, o fluxo de caixa pode ainda ser feito em uma agenda, caderno ou em planilhas. . O sebrae elaborou uma planilha muito interessante que pode lhe ajudar neste controle. https://www.sebrae.com.br/Sebrae/Portal%20Sebrae/Anexos/Plan%20Financeiras%20-%20Fluxo%20de%20Caixa%20v2.0%20010319.xlsm . Empresário, você sabe qual o valor tem que pagar à seus fornecedores no próximo mês? E no mês seguinte? Conheça a sua empresa! . Para maiores informações, entre em contato conosco. (66) 3536-1265 / 1658 (66) 99664-9762 WhatsApp #fluxodecaixa #contabilidade #dfc #controle #planejamento

Would you consider buying a house right now? I

Apr 7, 2020

Would you consider buying a house right now? I'm not sure how the process will go. #debtfreecommunity #debtfree #budget #frugal #budgetlife #dfc #budgeting #nospend #nobuy #mortgagefreecommunity

👍 #kladd #dfc #rone #betong ...

Apr 7, 2020

👍 #kladd #dfc #rone #betong

Anyone else trying to ration food and then blaming the ghosts in the house when said food is gone?  ...

Apr 7, 2020

Anyone else trying to ration food and then blaming the ghosts in the house when said food is gone? 😂 . I’ve seen so many posts about people blowing their grocery budgets recently. And you know what? THAT IS OKAY. We are facing exceptional times, and stocking up on several weeks of groceries with some treats thrown in is appropriate. If you’ve been following my stories, you saw that we spent almost a month’s grocery budget in a single day last week. SO BE IT. . If your budget is out of whack, give yourself some grace. Reassess the areas of overspending and make adjustments elsewhere. Try not to fall into bad habits of spending through stress, but be kind to yourself in these difficult times. . And if my fiancé asks, I did not eat the chips. I don’t even like them. . . . #savingandthecity #budget #grocerybudget #budgeting #lifeonabudget #frugal #frugalliving #goldengirls #daveramsey #daveramseybabysteps #babystep3b #savingforahouse #mortgagefreecommunity #llnoe #livelikenooneelse #debtisdumb #debtfreecommunity #debtfreejourney #debtfree #dfc #financialindependence #financialindependenceretireearly #firecommunity #financialpeace #financialfreedom #wealth #wealthbuilding #covidmemes #covid

My husband did our taxes yesterday. We found out we paid over $9,500 in student loan interest and ou ...

Apr 7, 2020

My husband did our taxes yesterday. We found out we paid over $9,500 in student loan interest and our house interest was a little over $8,000. Such robbery 😭😭😭 I cant wait until we’re done with these loans.

This week is National Dental Hygienist Week! 👩🏼‍⚕️👩🏼‍⚕️👩‍⚕️ We are  ...

Apr 7, 2020

This week is National Dental Hygienist Week! 👩🏼‍⚕️👩🏼‍⚕️👩‍⚕️ We are very fortunate at DFC to work with these 3 amazing hygienists! We hope they feel appreciated not only this week, but everyday! We could not do it without you! • • • #nationaldentalhygienistweek #ndhw #dentalhygiene #tylerkidsteeth #dentistryforchildren #dfc

Is this a daily conversation for anyone else or just me? 
I👏🏼Will👏🏼Always👏🏼Suggest ...

Apr 7, 2020

Is this a daily conversation for anyone else or just me? I👏🏼Will👏🏼Always👏🏼Suggest👏🏼 Eating👏🏼At👏🏼Home #debtfreecommunity #nodebtnofret #wehavefoodathome #mealplanning #togofood #dfc #babystep2 #wevegotgoals #stopasking

Since everyone is posting their daily checklist, here

Apr 7, 2020

Since everyone is posting their daily checklist, here's mine. Pretty sure everyone with kids feels me on this. 🤷‍♀️🤷‍♀️🤷‍♀️ The only goal right now, the only name of the game I'm playing with my kids, is called keeping them the eff alive. The only thing missing from the list was "watch my kids walk past my husband on Twitter, while I'm working for the 3 hours a day I get to, and ask me what's for dinner at 9:02am." #debtfreecommunity #debtfreejourney #phototoftheday #quote #dfc #finance #familyfinance #personalfinance #money #schedule #myday #dailyplan #dailyschedule #todaysschedule #planner #reallife #truestory #quarantine #quarantinelife #homeschool #homeschool2020 #quarantineschool #myview #myplan

Hola people 💛💛 Hope you all are doing well this week. Here is my dollar amount debt payoff pro ...

Apr 7, 2020

Hola people 💛💛 Hope you all are doing well this week. Here is my dollar amount debt payoff progress in 2020. It will slow down over the next few months but I can’t believe I was able to put this much towards my debt. • What is your debt payoff strategy? Snowball? Avalanche? Combo of the two? Let me know in the comments. • Post inspired by moneybossmama

"2TUFF * THM (The Hyped Marle) Wynwood trackside 1988... #dfc #defforcecrew #miamigraffiti #miamigra ...

Apr 7, 2020

"2TUFF * THM (The Hyped Marle) Wynwood trackside 1988... #dfc #defforcecrew #miamigraffiti #miamigraffitilegends

8 mins and 25 seconds led to $375 gain. After being destroyed on my $SPY puts, I went back to tradin ...

Apr 7, 2020

8 mins and 25 seconds led to $375 gain. After being destroyed on my $SPY puts, I went back to trading again. Going to take it light and not rush into trades. Looking for volatile stocks and take positions following the trend.

With my husband out of work for the foreseeable future, our yard has never looked better 🤣 Baby

Apr 7, 2020

With my husband out of work for the foreseeable future, our yard has never looked better 🤣 Baby's clothes have been organized, and stored away in the attic, the dogs are being walked constantly, and the dishes/laundry are completely done every day. He makes a really good SAHD.

This is a difficult concept for people like us: unrelenting optimists.

However, if you have varying ...

Apr 7, 2020

This is a difficult concept for people like us: unrelenting optimists. However, if you have varying income, it’s extremely important to budget like a pessimist. In other words: budget like you might have the worst financial month you’ve had and not like you might have the best financial month you’ve had. You can always add extra funds to debt, sinking fund savings, or regular expenses. However, scrambling to find extra income that you thought you might have as much harder. Live like an optimist! But budget like a pessimist. #debtfreecommunity #debtfreejourney #budgetlifestyle

If you had a trip cancelled, what are you doing with that money? 
Our Alaska Cruise got cancelled.   ...

Apr 7, 2020

If you had a trip cancelled, what are you doing with that money? Our Alaska Cruise got cancelled. We had $1340 saved in cash to use in Seattle, on the cruise ship, and in port. We are rolling this money over and stuffing our sinking funds. We'll also be getting a refund in 90 days for what we paid for the cruise. It's about 8k and we're still deciding what to do with it. Should we stick it in our ROTH IRA? Put it towards our home maintenance fund (we need to paint our house)? Or put it towards our mortgage? 🤔

KA * DUO ...On the outside ledge of the Fountainbleu Penit aka "The Hall Of Fame" sometime around 87 ...

Apr 7, 2020

KA * DUO ...On the outside ledge of the Fountainbleu Penit aka "The Hall Of Fame" sometime around 87-88' #defforcecrew #dfc #Duo1 #Sens #Ka #u2 #u2crew #unstoppabletwo #miamigraffiti #miamigraffitilegends

I don’t normally share my #laughfortheday
Normally I share it in stories; but this one is too good ...

Apr 7, 2020

I don’t normally share my #laughfortheday Normally I share it in stories; but this one is too good. > > #debtfreecommunity #debtfreejourney #dfc #healthjourney #fitnessjourney #laughteristhebestmedicine #thelongrunwithjoelandchristy

Thank you to all our health care providers ❤. Thank you for standing on the front line & risking y ...

Apr 7, 2020

Thank you to all our health care providers ❤. Thank you for standing on the front line & risking your lives to take care of us. Stay safe !! And know you are all in my prayers !! 🙏🏼 . They go to work, so we can stay safe at home. . . . #worldhealthday #safeathome #beichner2020goals #debtfreejourney #frugalliving #beichnerbabies #raisingmytribe #momofboth #planning #frugalmomma #squadgoals #debtsucks #debtfreedom #sahm #daveramsey #babystep1 #babystep2 #snowballdebt  #debtfreecommunity #minimalism #envelopesystem #furmom #beichnerfarminthemaking #dfc #debt🚫 #beweird #cashisking