Budgeting can be difficult! It’s easy to get overwhelmed trying to categorize expenses and determine the correct amount of income you should be allocating for each one every month. It seems like the cost of living has been slowly creeping up, which inevitably changes your entire budget. When one category starts to rise, you …
Dave Ramsey’s Budget Percentages and How My Budget Compares Read More »
We started this debt payoff plan back in June of 2020 with a goal to pay off six figures in sixty months, which meant we needed to average $1,666 each month. After our first twelve months, I am happy to share that we have paid off over $32,000! Our 12-month average ended up being …
We all know that beauty products can get crazy expensive, but there are some really great options that won’t break the bank. These are six of my favorite hair, body and makeup products that are all under $10. Not only are they budget friendly, but they actually work! These are all affordable products that …
We’ve talked about how to create a budget, but what about actually sticking to it? That’s the hard part, friends! Most of us that have a set budget try really hard to hit our goals. We start out with great expectations and intentions, but then life happens and we stray off course. Don’t beat …
It is important to have an emergency fund so you won’t go further into debt when life happens, as it inevitably will. The baby emergency fund is the bare amount you should have before aggressively paying off debt. This provides a cushion to help you in unexpected emergencies, like a car repair, sick child, …
THE STRUGGLE IS REAL WHEN PAYING OFF DEBT! When you first start paying off any amount of debt, big or small, it feels great. You may be able to breeze through your smallest debts, and with each one you eliminate, you feel that rush. Immediate progress! The truth is it becomes more challenging as …
When my husband and I set our first goal to pay off six figures of debt in 60 months, I was extremely skeptical. I had never been able to save or manage my money, but this huge task was going to take both of us. Those prior vague thoughts of paying off our debt and …
I had always believed that debt was just a part of life. Like me, most people were taught from an early age that it’s perfectly acceptable to carry debt throughout our adulthood. I was told mortgages and students loans are the “good” kind, because it’s an investment in your future. These offer us a …
I recently shared 10 Highly Effective Habits of Frugal People, and that post got me thinking about the habits of rich people. What makes them so successful? Is it just luck, or is there something more to what they’re doing? I believe it all comes down to habits and a motivated, healthy mindset. At …
When you are budgeting and trying to live the frugal life, holidays can be quite a challenge. You want to shower your partner with gifts that show your love but not break the bank. Like, I would love to give my husband a top-of-the-line Rolex, but my budget is more in the Timex range. …
