Do you feel like your bank account is constantly at zero? At the end of the month, do you constantly think – "where the heck did all my money go?" What about – "aw crap, it's my mom's birthday next week – I guess I'll just put dinner on my credit card...again" You're not alone in this. Budgeting baffles hundreds of thousands of people across the nation. How do I know this? Because according to a recent study, only 1/3 of Americans budget. That means 214.3 million (MILLION) people who don't create a budget and don't know what happens to their money at the end of the month. 214.3 million is a lot of people. So, you're REALLY not alone.Read More
I can’t tell you how excited I am about my very first ebook launch! I’ve been tirelessly working on this behind the scenes for over 4 months now and today is finally here! I’ve decided to write an ebook on budgeting, for so many reasons. Let’s just focus on the top three.Read More
Are you on a really tight budget and can’t seem to stay motivated. Or is it really tough to make it to the end of the month without pulling out your credit card and splurging on something? I’m encouraging you to stay your course with your budget and work hard on creating your dream lifestyle. Don’t forget that you need to enjoy your life along the way, but don’t give up on your dream. You’ll look back at this all and not remember the hardships you endured but the fact that you achieve your dreams. To help you stay motivated, here’s 5 tips I use to keep us motivated.Read More
You guys! I cannot tell you how excited I am to FINALLY be able to write this post. It’s felt like the longest 15 months and we’ve had SO many financial setbacks, it was kinda incredible that we could still pay off ALL MY STUDENT LOAN DEBT in a little over a year after graduating college. That’s $21,000 in 15 months!Read More
In today’s modern society, debt is a total normal part of life. It’s expected of us to be in massive amounts of debt and to incur more and more on a daily basis. Helloooo interest. There is no such thing as good debt. That’s a flat out lie. All debt is bad debt. Debt literally means “a state of owing money”. That means that you owe money to someone else. What if you borrowed that money from your grandma? Would you feel bad about not paying it back right away? I certainly would. Don’t buy into the logic that debt is normal. Debt is not normal. You’re in the red. Red means bad.Read More
Student loans are a very scary topic when you’re a brand new adult and you’re going to college right out of school. Let me tell you, I didn’t know a single thing when I accepted those loans and vowed to pay them back in 4 or more years. Then you forget about them and forget that they’re accumulating interest over those 4 years – which is a scary thought especially if you have to pull out some majorly big loans. So, this post is to break it down into layman's terms to help you understand what you’re getting yourself into and to make sure that you can get out of debt (or not get into it at all) as quickly as possible!Read More
Making your own home and beauty products might seem cumbersome from the start. But once you start to jump into the making of it all I think you’ll realize that it’s super fun and cost effective to DIY everything in your house.
There are a lot of benefits to making your own home and beauty products.Read More
When you’re trying your best to save up money – a lot of the time your entertainment fund takes a huge blow. Which can make it tough on a marriage – no doubt about it. But, when it comes to cutting your entertainment budget for your date nights your marriage doesn’t need to suffer in the process. There’s plenty of things that you can do as a couple together for cheap or free! Here’s a list of things that you can do that won't break the bank!Read More
When you’re paying down debt, it’s important that you cut costs in any way that you can to throw those extra pennies towards debt! There are many creative ways to save money that I’ve found over the years and I decided to jot them all down in this blog post.Read More
Am I the only person who from time to time, googles how much money should I have in my 401k by age X? I honestly wish there was someone to tell me the answer to how much money I should be saving by a certain age. But truthfully, there is no answer- everyone is different, every situation is different. There is no "secret number" as to how much you should have in your bank every time you turn a year older. I do believe however that there are simple strategies that we can take to set ourselves up for financial success at each stage of life and the earlier that we start, the better.Read More
You all know that I’ve been seriously decluttering my life. It’s been a long ongoing process, but every step of the way – I feel 100% better. I know I won't ever need that old junk again and I would rather give it to someone that gets joy out of my old junk than to keep it because it doesn’t bring me joy!
Along the way of getting rid of loads of stuff, I’ve learned tips and tricks of getting money back on your stuff so you can put that money towards paying off debt faster than you originally thought you could. Why not clean out your house and put that extra cash towards cleaning out your debt too?Read More
When you’re on a budget, I know it’s hard to fork over serious cash for a massage, facial, manicure, pedicure, haircut, and the list continues. Relaxation is one of those things that you do when you pay off debt, right? Wrong! If you don’t relax while you’re paying off debt, you’ll put yourself in an early grave. You have to treat yourselves every now and then! I’m not talking expensive $120 haircut and color – I’m talking staying at home and relaxing on a dime. It’s not as hard as you think. (Just maybe a bit more complicated if you have kiddos, am I right?)Read More
After graduating from college, I had about $21K of student debt under my belt. That number is after I worked (on average) 4 jobs while taking at least 15 credits per semester. It was tough. While I was in school, I was able to live with roommates and work for a local church for free housing in return. That helped me pay off about $8K in private loans and borrowing from family members (thanks grandma!).Read More
We all have those friends that are flakey and bail at the last second when you’re supposed to hang out with them. Did someone just pop up in your head? Yep, I have those friends too! (You know who you are, but I still love you;) So, when you’re not showing up consistently for your tribe – you’re one of those flakey friends! Before you grab a Kleenex and a tub of ice cream...wait...who am I kidding? Go ahead and grab that tub of ice cream regardless! There’s ways to prevent you from turning into that flakey friend!Read More
Yea, take a double look at that number. Does it give you a panic attack like it gives me? Because, that’s an overwhelming number. That’s a comfortable house, a really nice car, or both!
I want to document the process of paying off $171K in student loan debt for several reasons.Read More
Let me tell you a story – this is a story that is near and dear to my heart as a young millennial who just graduated from college. You’re told in high school that you need to do the best that you can so you can get accepted into college. Once you’re in college you’re told to pull out as many loans as possible to get that degree and you should look at loans like an "investment in yourself". But, folks – let me tell you the honest truth. Sure, you’re "investing in yourself". But after a certain point you need to realize that you’re drowning in "self investment" to the point where it’s not investing in yourself anymore. It’s giving your money to that corporation/government/private loan lender for the next 10 years of your life and that’s if you don’t have your loans differed because you didn’t get that promised job right out of college.Read More