Dréa Kirschenbaum • Financial Coach, RPC

One of my clients JUST became debt free today! They paid off their last debt — their car! 🥳 Definitely celebrating this feat of theirs today. What a great way for them to start the weekend! 🌟

Happy Debt Free Scream-iversary to us! 🎉

Last year, Jacob and I paid off our debt of $42,000 in a whopping 71 days! The days were hard and the nights were harder, but I could not be more grateful for having stuck through it and achieving this feat.

We would deliver Amazon packages from 3 in the morning until our full-time jobs started at 8. When we were off work at 5, off we went to deliver Amazon packages again until about 11 at night. We slept 4 hours max. for seventy. one. days. straight. We seldom saw each other, and usually that consisted of a quick kiss hello or goodbye before we went off hustling.

We paid off credit cards, taxes, cars, and everything in between. We were as normal as it gets, but being weird sounded way more fun. 🙂

After becoming debt free, my passion for helping others achieve that same feeling of freedom took over, and I became a Ramsey Preferred Coach. The best job in the world? Well, I think so… 😉 If you’re looking for some extra guidance with budgeting, debt freedom, saving for a big expense, or any other financial aspects, please feel free to reach out.

No matter which baby step you’re on, I can’t stress this enough — 𝙆𝙀𝙀𝙋 𝙂𝙊𝙄𝙉𝙂! The euphoria you’ll feel afterward is the most rewarding thing ever, I promise. 😊

Always list your debts from smallest to largest amount, 𝗻𝗼𝘁 by interest. When you ditch the small debt first, you’ll see progress. And progress fuels motivation, because you’ll feel like you accomplished something.

No matter how small that first that is, it’ll be out of your life forever. Soon the second debt will follow, and then the next. These little ones will give you a confidence boost. Not only that, you’ll see the plan is working, and you’ll stick to it. 🎉

It’s reviews like this from clients that make me love my job more and more each and every day. I couldn’t be more grateful for those that entrust me to help guide them to financial success! 🌟

If I could give any piece of advice, it would be to follow the Baby Steps. They’re simple, straight to the point, and the exact method we used when becoming debt free. If you’re looking for guidance when it comes to your wallet, slide in my DMs! 📩

Helping people from all over the country has been one of the most fulfilling parts of my life. I’m one of the few lucky ones who wake up excited everyday because I get to watch as my clients achieve their financial goals. 🤩

Look, I get it, money’s tight! For the rest of this week only, book a one-off session and get upgraded to a monthly coaching package for FREE! See what the fuss is about and let’s take control of your money and your life. 💵

Most of you already know that my favorite fun fact about myself is that Jacob and I paid off $42,000 of debt in 71 days. But here are three more fun facts you may not know!

1. I’m an aviation enthusiast! I started flying planes when I was 15.
2. I’m a Disney girl through and through. I’m also a former Cast Member!
3. I’m a veteran! I served in the U.S. Air Force as a crew chief on the KC-135.

I’d love to meet you, so comment a fun fact about you! 🌟

Facts! 🗣️ I’ve never met someone with financial success who didn’t PLAN for their future and maintain DISCIPLINE with their money.

If you’re ready to grab your finances by the horns and kick debt to the curb, save for a big expense, or invest for your future, schedule your FREE consultation with me at coachdreak.com

Did you know that the #1 category of overspending is eating out? Facts! I’ve been guilty of this, too. Jacob and I love to go out and try new restaurants and eateries, but it’s important to not allow it to consume our budget.

So use this as a friendly reminder for this weekend that you can cook a BIG, hearty meal for your family for the cost of a meal for one eating out. 😉🍽️

If you’re at the point in life where you’re investing, be sure to invest wisely. We’ve all seen it — the markets fluctuate, but smart investing can keep having your money do some work for you to help you build wealth. 💰

Curious about what steps to take in investing? Book a consultation with me at coachdreak.com!

Hi friends! What a busy year it’s been. We have a 𝑙𝑜𝑡 to catch you up on, and life has slowed down a bit to do that. Here are some hints in the meantime: 💸💎🐶👩🏼‍❤️‍💋‍👨🏼🏠

𝗪𝗼𝗼𝗵𝗼𝗼! Our debt free scream is this upcoming Wednesday! If you’re in the Nashville area, please feel free to come support us. If you aren’t, we invite you to celebrate with us on the live stream. More info on lifeonadime.net 🎉

Jacob is a coffee 𝑓𝑖𝑒𝑛𝑑. One of the ways we cut down on expenses is brewing coffee at home! (Fun fact: Dréa has never had coffee!)

On average, people who opt to buy coffee at a café (we’re looking at you, Starbucks) spend on average up to $1,200 yearly while someone who brews their coffee at home spends around $45 each year. That’s over $𝟏,𝟏𝟎𝟎 you could be saving each year on coffee alone.

How’s that for a cup of joe? ☕️

What would you do with an extra $100 each month?

One of the easiest ways to make some room in your budget 𝐚𝐧𝐝 expedite paying off your debt is to cut out unnecessary expenses, such as streaming services.

These don’t have to be permanent! The key is to remember that these are a luxury, and once you’ve reached debt freedom, services like these will become a million times more enjoyable (and affordable)! 📺

One of the biggest shovels in becoming debt free was delivering for Amazon. We would deliver packages and groceries, and we had the flexibility to work it around our full-time work schedule. 📦

Curious about what all being a delivery courier entailed? Check out our new blog post on lifeonadime.net!

Happy Earth Day! 🌎 Many people don’t know that you can be kind to our planet 𝑎𝑛𝑑 keep within your budget.

What’s your favorite cost-effective way to celebrate planet Earth everyday? Mine is reusable shopping bags!

Did you know that a bout 4,200,000 tons of plastic bags, sacks and wraps were generated in 2018, while only 420,000 tons were recycled. 🤯

Student loans are steadily creeping to $1.9T. 𝐀𝐥𝐭𝐡𝐨𝐮𝐠𝐡 𝐬𝐭𝐮𝐝𝐞𝐧𝐭 𝐥𝐨𝐚𝐧 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐡𝐚𝐬 𝐛𝐞𝐞𝐧 𝐩𝐮𝐬𝐡𝐞𝐝 𝐭𝐨 𝐀𝐮𝐠𝐮𝐬𝐭 𝟑𝟏, now is the time to take control. If you are struggling with student loan debt and are ready to remove yourself from the statistic, get started with a free consultation at lifeonadime.net! 🎓

This ain’t no joke — we’re live! 🎉 Our website is up and running, and we have our blog ready for reading, our podcast in the making (debuting next week!), and coaching services available for those who would like to take the next step in their journey.

Visit us as lifeonadime.net!

We’re two days away from launch! We’ll have a little 📖, some 🎧, and most definitely a lot of 🎉.

Let the countdown begin…

Do you know how much debt the average American has? 🤔 Take a guess in the comments!

→ (Not so) fun fact: Medical debt reigns supreme as the number one debt for Americans.

𝐴𝑟𝑒 𝑦𝑜𝑢 𝑟𝑒𝑎𝑑𝑦? 🚀 Life On A Dime launches in one week, and we have some really exciting things in store for you!

What’s something that would help you financially?

𝐻𝑒𝑎𝑑𝑠 𝑢𝑝! Did you receive a $1,400* economic impact payment in 2021? 💵

This Economic Impact Payment isn’t considered taxable income, and you shouldn’t report it as income on your 2021 federal income tax return; however, you’ll need the total payment amount shown on your IRS letter to determine whether you’re eligible to claim the Recovery Rebate Credit on your 2021 federal income tax return.

*Based on general stimulus check amount for single filing. Visit IRS.gov/eip for more information.

$𝟒𝟐,𝟎𝟎𝟎 𝐢𝐧 𝟕𝟏 𝐝𝐚𝐲𝐬!!

The journey was the longest yet it was the shortest amount of time we could have ever dreamt of paying off all of our consumer debt. We are so ecstatic to say that…

We are debt free! 🎉

It’s never too late to get a jumpstart on your financial future. What is the biggest hurdle you face when taking control of your finances? 💵

Valentine’s Day doesn’t mean you need to break the bank to show your special someone that you care. Here are a few ideas to plan a romantic night without busting your budget.

What’s your favorite budget date night idea? 💘

It’s been a while, hasn’t it friends? We’re thrilled to say 𝐰𝐞’𝐫𝐞 𝐛𝐚𝐜𝐤! And we’ve got some incredibly fun and exciting things in store for you.

Our website launches April 1! It will showcase our podcast, fun things to do that are Baby Steps appropriate, events (both virtual and in-person), and so much more!

In the meantime, we’ll continue to post financial fun facts, and we hope to get to learn more about you in the process! 🎉

The 𝑎𝑢𝑑𝑎𝑐𝑖𝑡𝑦! 😏

How close are you to being ωєιя∂? 🤪 I’m currently 37% there with an end goal of May 2020!

I had my 𝑝ℎ𝑜𝑛𝑒 financed. Yep, you read that right. My phone. I was initially set to have it paid off in April 2020; however, thanks to the snowball, I had it paid off in September 2019! I had begun my debt snowball in August 2019, so paying it off within the month was a huge accomplishment for me. Every little bit counts! 📱