We all know how to save money and pay off debt: spend less and make more. But even though we “know” what to do, it still can be hard to do - unless you have a budget. You’ll notice that I talk a lot about budgeting on this website. I talk about budgeting for: An emergency fund Paying for a wedding Planning for regular expenses And so many more topics on budget. One thing you Continue Reading
How to Manage High-Interest Debt
If you are in debt, you are not alone. Eighty percent of Americans are currently in debt. Many of them are in debt due to homeownership, but credit card that plays a huge role as well. If you have amassed a significant amount of credit card debt or similar debt, it can seem like an almost insurmountable obstacle. After all, the spending habits that led to all of that debt are a part of the Continue Reading
Should You Become a One-Car Family to Get Out of Debt?
Have you read or heard stories of people becoming one-car families and thought, wow, how do they do that? For a long time, I thought I was defective, because any time I thought of becoming a one-car family, I just could not figure out how to make it work between my husband and I. And we don’t even have kids to figure into the equation! I felt bad because a lot of debt pay off stories feature Continue Reading
How to Improve Your Life in 10 Minutes a Day
I forget how I first heard of Tim Ferriss, but after I picked up his book Four Hour Workweek, I was hooked. Tim Ferriss blog, podcast - I had to consume it all! One of the things I like the most about Tim is his unwavering commitment to improving himself, in almost any aspect you can imagine (physically, mentally, emotionally, etc.) But who has time to dedicate hours, days, weeks, or even years to Continue Reading
The Best Starter Face Masks for Oily Skin
Adults tell kids and teens a lot of lies. Some end up being relatively harmless, like “Santa is real!”... only you find out in 4th grade from the class bully that Santa is not and has not ever been real, then you look like a dweeb (thanks, Marcus, you're so cool). But others are straight up lies that continue affecting you even into adulthood, like “your acne will go away when you’re an adult!” Continue Reading
How to Save More Money and Time Grocery Shopping
Wouldn't it be awesome if grocery shopping would just go away? If groceries could just appear in your fridge, with all the ingredients you need for delicious and healthy meals, plus snacks? Until some magical robot fridge makes that happen, the best we're going to get is meal planning and grocery delivery or pick up. Yes, with meal planning and grocery delivery services, I have finally gotten Continue Reading
The Best Things I Bought in 2017
It's almost the end of 2017 - can you believe it? I am not saying this to be mean to those of you living in snow, but it is 77 degrees here today in Phoenix. I know I shouldn't complain but... I'm kind of hot. I really love a white Christmas/New Year's Eve! (okay, okay, you can stop throwing things at me now! Mail me a snowball! :)) Okay, but in all seriousness, no matter how crazy or even bad Continue Reading
How I’m Getting $400 Worth of Gifts for Free
On Tuesday, I told you how I was able to save $645 this month, even after finishing most of my holiday shopping. Nothing has changed about my monetary situation - I’ve been following my regular budget. While it fluctuates, saving $600 isn’t impossible for me - minus those pesky dishwashers, flooded floors… ;) However, you’ll notice I also mentioned how this time last year, I spent like crazy and Continue Reading
5 Clever, Unique Gifts for Your Cool Girlfriend
Do you have one of those effortlessly cool friends, the one who's really good at decorating her home/apartment, takes unique, off-the-beaten-path trips, and just generally seems to know about popular stuff before you do? I have two friends like that, and at first it was overwhelming. I was like, oh no! Scrunchies aren't in style? But what will I wear? And then they introduced me to seamless Continue Reading
Loans and How They Can Affect Your Credit
There are many reasons people take out loans. You may want to buy a home, a car or need to borrow money to attend college. Whatever the reason, different types of loans affect your credit score in various ways. Regardless of the type of loan you are applying for, submitting too many applications within a short period of time can have a negative effect on your credit score. With this being said, Continue Reading
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