We spend HOURS on this date. And it can be intense. We are planning, dreaming, cutting, and mapping out an entire year.
Before we do this, we want to get our minds right. So, for us, this is a romantic date. It’s good food, good wine and good music. When we can break bread and laugh together, we have set ourselves up for a respectful dialogue about our money.

Are YOU planning a financial date night?

#datenight #datenightfood #budgetingdate #2025finances #upfromhere

🎉 What’s IN and OUT for 2025 when it comes to MONEY?
✨ IN: Saving smarter, budgeting with intention, and finally crushing those financial goals.
🚫 OUT: Impulse spending, keeping up with the Joneses, and letting your money stress you out.
Now it’s your turn! ⬇️
What’s IN for you in 2025? And what are you officially leaving OUT? Drop your list in the comments—I want to hear your take! 🙌

#NewYearGoals #MoneyMindset #BudgetLikeABoss #FinancialFreedomJourney

🚨 Ready to kick debt to the curb? My debt calculator does the math for you—no spreadsheets, no guesswork. Just plug in your numbers, and it’ll tell you exactly when you’ll be debt-free.

✨ Imagine knowing your exact debt-free date. That’s the first step to freedom! 🗓️

Comment ‘CALCULATOR’ below, and I’ll send it your way. Let’s crush that debt together! 💪💰

#DebtFreeJourney #PayOffDebt #BudgetLikeABoss

💸 Saving money doesn’t have to be complicated. Here are 4 practical tips to make it happen:
1️⃣ Set a Goal: Saving with purpose makes it easier to stay motivated.
2️⃣ Calendar It: Write down every bill and payday—it’s a game-changer to see where your money is going.
3️⃣ Separate Bills Account: Transfer just enough each week to cover bills. No more accidental overspending.
4️⃣ Automate Savings: When it’s automatic, you don’t even notice it’s gone—until you see the balance grow! 🙌
Which one are you starting today? Share your money-saving wins below! 🖤 #SaveSmarter #MoneyTips #BudgetGoals

she just hit 190k miles and I think she may be getting close to being broke in!

No, this isn’t sponsored! I’ve just waited 4 years for the perfect coffee machine and she’s here!

Comment “LUXE” and I’ll send you every detail! GAHHHH!

☕ #CoffeeLovers
☕ #ButFirstCoffee
☕ #CoffeeTime
☕ #MorningBrew
☕ #CoffeeAddict
☕ #CoffeeLife
☕ #DailyCoffee
☕ #CoffeeBreak
☕ #CaffeineFix
☕ #ThirdWaveCoffee
☕ #LatteArt
☕ #EspressoLove
☕ #HomeBrewedCoffee
☕ #PourOverCoffee
☕ #CoffeeGoals
☕ #NinjaCoffeeLuxe
☕ #CoffeeGadgets
☕ #HomeCoffeeSetup
☕ #BrewingAtHome
☕ #CoffeeGear
☕ #NinjaCoffeeMaker
☕ #CoffeeHack
☕ #CoffeeOnABudget

Facts.

This was poured last night. This isn’t a cry for help. Unless it’s about parenting teenage girls. Then please feel free to help. The village and whatnot.

🎉 Birthday parties are fun, but are they too fun for your budget? Before you go all out, ask yourself these 4 questions:
1️⃣ Do my kids actually want this? (Spoiler: They might not even care about half the stuff!)
2️⃣ If no one came, would I still be doing this? (A party just for the ‘gram? Let’s not.)
3️⃣ Is it in the budget? (If it’s not, time to get creative!)
4️⃣ Can I skip the theme? (Because do we really need coordinated plates, napkins, and balloons?)

Save your sanity and your wallet. 🙌 How do you keep birthday costs down? Drop your tips below! 🎂💰

#BudgetFriendlyBirthdays #MoneySmartParenting #CelebrateSimply

🚨 Don’t let your FSA funds go to waste! 🚨 Did you know that most Flexible Spending Accounts (FSA) are use it or lose it by the end of the year?

That means if you don’t spend the money, it’s gone! 💸

Here are a few ways to put those funds to good use:
🩹 Stock up on first-aid supplies (yes, even on Amazon!)

👓 Get yourself a new pair of glasses or contacts

🪒 Invest in health essentials like sunscreen or skincare tools

🏥 Schedule that overdue medical or dental appointment.

The clock is ticking—what’s one thing you’ll spend your FSA dollars on? Let me know! ⏳

#FSAFunds #SmartSpending #EndOfYearTips

All. Day. Every. Day.

#livebelowyourmeans

PSA: If you’re waiting until you hit your goals to start enjoying life, you’re doing it wrong. 🛑

Life doesn’t magically get better when the savings account hits six figures or the debt disappears.

Find joy in the now—budget for the things that make your heart happy, celebrate the small wins, and remember: happiness is a habit, not a destination. 🌟

What’s one thing you’re enjoying today while still working toward your goals? Drop it below! 👇

#MindfulMoney #FinancialFreedom #EnjoyTheJourney

Your money deserves better than a dusty old savings account earning pennies. 💰✨ High-Yield Savings Accounts (HYSA) are the glow-up your savings needs—better rates, better returns, and still just as safe!

Curious about where to stash your cash? Comment rates, and I’ll send you my top 3 HYSA picks right now. Let’s make that money work harder for YOU. 💪

#HYSA #SmartSaving #FinancialGlowUp

Kurt and I are starting to write down our needs, wants and wishes for our Annual Financial Date night! Here are a few things I’ve got on my list.

What big goals or dreams, wants and wishes do you have for next year??

#financialgoals #dateyourspouse #financialdate #moneydates #dateyourmate #viralreels #plan #budgeting

$400 well spent: we bought a table saw and turned it into thousands in no time. 💸 Proof that investing in yourself always pays off—literally. 🔨

What was YOUR best purchase of 2024?

#InvestInYourself #MoneyWellSpent #SideHustleWins

Life is hard. Staying in debt is hard. Paying it off is hard. But here’s the thing—we do hard things every single day. 💪 So why not choose the hard that sets you free? Ready to start?

Comment tracker and I’ll send you my debt payoff tracker to make the journey easier. Let’s do this. 💥

#ChooseYourHard #DebtFreeJourney #MoneyMindset

I am the QUEEN of distractions. Hello, ADHD.
But, I had to use a system to get my ADHD together so I could hold a job down for longer than 5 minutes back in the day.

True story. I tend to go OVERBOARD on systems now, but truly, it’s how I stay productive. My passion is now helping others do the same. I LOVE to set up systems and budgets and trackers that allow YOU to stay focused on your financial goals!

If you’re ready for change, to pay off debt or set up that monthly budget, DM me the word “CHANGE!” and let’s get started! A new year is here and so is a NEW you!

#budgets #debt #trackers #avalanchemethod #snowballmethod #payoffdebt #debtfreelife

COUCHES! And CHAIRS! Oh my! Kurt and I recently got bonuses and we finally made living room furniture purchases! We’ve been in this home a year and a half and it now looks like I always wanted it to in this space. 👇🏼

In the deal of the century, I was able to snag 2 couches for less than the price of 1. AND 2 recliners for a STEAL! Seriously...less than $200 a chair. 😲

Do your homework. Check out sales, ask about price matching, and make sure that your shipping/delivery fee are worth it. In our case, they weren’t! We were able to snag our entire living room furniture for less than $2k! IT’s CRAZY! The retail value here was almost $6k!🔥

#budgetqueen #budgetinghack #newnew

Did any of these surprise you? Do you disagree with any?

#debt #whattousedebtfor #debtrelief

Some things we can’t control (hello, inflation 👋), but here’s what we can: getting educated, tackling debt, and creating a budget that WORKS for 2025. 💪

Don’t know where to start? Comment ‘roadmap’ and I’ll send you my free financial roadmap to kick things off. 🚀

#TakeControl #FinancialFreedom #BudgetGoals

➡️Comment ‘tracker’ to start your journey!

The best investment is in yourself—and sometimes, that’s as simple as a solid plan! 🧾✨

My debt tracker has it all: whether you prefer the snowball (smallest debts first) or the avalanche (highest interest first) method, it calculates everything for you. 💥

Get clear, stay on track, and watch those balances disappear! Give yourself the gift of financial freedom this season. 🎁

#DebtFreeJourney #FinancialFreedom #DebtPayoffTools

I guess my husband took me seriously about that second job. He’s started a side biz and is hustling while I sip Coke and do nothing all week.

HA! Sarcasm at it’s finest. We work hard. We play hard. End of story.

#workhard #sugardaddy #lifehack #financialhelp

Let’s clear this up! 🚨💸

Your emergency fund = quick cash for those annoying pop-ups like car repairs or unexpected bills.

But a 3-6 month expenses fund? That’s your safety net—the real deal that covers all your basics if life throws a curveball, like job loss. 🛑💼

Both are important, but they serve different roles.
Already got one of these covered? Or starting from scratch?

#EmergencyFund #FinancialSafetyNet #MoneyTalks

Stop letting things run the show! 🚫✨ That new phone, latest gadget, or designer bag? They don’t define you. You don’t have to have the ‘next best thing’ just because it’s there. Focus on what truly matters—financial peace, less stress, more freedom.

Reminder: Money’s better spent on things that make life rich, not cluttered. 💸👌
Are you with me?

#BreakTheCycle #MoreThanStuff #FinancialFreedom

Zero-Based Budgeting: the real deal. 💸 It’s not about having zero dollars, don’t worry!

Here’s how it works: Every dollar you make gets a job—no extras, no leftovers, just smart, intentional spending. 👏

With zero-based budgeting, you’re telling your money where to go instead of wondering where it went. 💪 So, what do you think? Ready to give your money some purpose?

#BudgetLikeABoss #EveryDollarCounts #MoneyMindset

What’s the joy of Instagram if you can’t bring an old Paris Hilton quote back from the dead?

#moneysaving #savemoney #parishilton #thatshot

Want to build wealth fast? Start with $400 a month! 💸

Here’s a challenge: what can you do right now to make an extra $200 a month? 🤔

Need ideas? I’ve got a free side hustle guide packed with easy-to-start options. Drop a “hustle” in the comments, and I’ll send it over! 🚀💼

#WealthBuilding #SideHustleSmart #FinancialFreedom

November Money Challenge! 💰

What are you planning to tackle before the year ends? Which of these goals are you setting, or what’s on your list? 👀

Let’s finish strong! 💪 #MoneyChallenge #YearEndGoals

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Welcome, friends!

It's time you felt confident with your money! My mission is to empower you through laid-back education, easy-to-understand budgeting templates, financial courses, masterclasses, and tons of FREE resources.

Budgeting and Investing should be fun and easy to understand, and I'm here to make that happen!

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I'm Whitney!

I’ve been married for 15 years to my best friend, Kurt. We have a 21 year old son, Drennen, and twin 14 year old daughters, Harper & Bayler.

I was divorced before the age of 21 and that left me with a ton of debt and a lot of baggage.

About 2 months after I married Kurt, we took a class

that changed our lives forever. We paid off $50k of debt in 3 years, started investing in ways we never knew how to, and have lived debt-free (minus our house) ever since.

In 2023, we were able to build our dream home. Just 6 weeks after we closed, Kurt lost his job. The ONLY thing that pulled us through that dark time was our financial foundation. If we had not put the basics in place all those years ago, I can tell you with certainty that we wouldn’t still be living in this dream home.

Because of my passion for budgeting and financial freedom, I have since obtained my Securities Industry Essentials license and have made it my mission to help others become Financially FREE!

Buckle up...you’re next!

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I'm Whitney!