In the past I’ve talked about how much I wish I had like 100 more hours each day to work on my freelance writing and my blog. I felt if I could just have more time, I would be so wildly successful. Turns out, and I’m guessing it’s this way for most, I do have the time! I just haven’t been respecting it. My relationship with time has been complete crap. Leaving the house late, forgetting to defrost the chicken for dinner, falling asleep and waking up at different times each day are all prime examples of me not showing Time the love it so deserves. So no wonder it wasn’t loving me back.
It’s always fun checking my inbox to find people I had connected with asking me where the hell I’ve been. That was pretty much me a few weeks ago after taking a family vacation with the in-laws to Lake Tahoe. Vacation? While getting out of debt? Yea, well, let’s call it a family reunion instead.
Doesn’t it seem like right when you’re getting ahead, life says “SURPRISE!!!” and suddenly all the email inboxes you’re in charge of go from 0 to over 200 unread emails?? Anyone else? Excuses aside, sometimes we all get distracted by life and end up letting ourselves down. Sometimes our goals go flying out the window and we don’t take the time to go outside, pick them up, dust them off, and give them the attention they need for a few days. Or weeks. Or (hopefully not) months.
I realize as I start typing this that passionate Dave Ramsey fans will probably be thoroughly annoyed with this post. But, before you passionate snowballers get too upset, hear me out. I love Dave Ramsey’s Baby Steps and the snowball method. My dad actually introduced me to his books while I was still in high school (thank you dad, I am forever grateful). If you have no idea what I’m talking about you can grab a copy here.
The reason I’m even bringing up the avalanche method is because it saves you a lot on interest. Lately I’ve been struggling with which method to really commit to. Isn’t the whole point of getting out of debt and living frugally to save money? The answer is obviously yes. So, why are we all so passionate about using a method that takes longer and costs more?
As I get further and further into my freelance career and blogging journey, I’m finding that some things are absolutely nonnegotiable to stay productive. Working from home is such a blessing and I still can’t believe that I’m able to do it. I never anticipated, however, just how much discipline it takes to be successful in this kind of working environment. You can read more about my freelancing career here. Without having a boss walking through your living room to check on progress and an ugly office to keep thoughts of personal issues at bay, staying focused can be incredibly difficult.
Each week I try and evaluate how I spent my time and think of ways to get more work done next week. Honestly, half of this time I spend brainstorming is really spent just wishing I had like 6 more hours in each day. I can’t control how many hours are in a day but I can control how I spend them. Here are some things I do to maximize my productivity while working from home and I hope they can help you too!
Is it really April already? Where did March even go? Anyway, I guess it is time for my monthly income report! I will be honest with you. Not much has changed. Am I disappointed? Yes, a little bit. I would really like to be able to work for my primary client, do some writing work on the side, and focus my attention to this blog but there are only 24 hours in a day and unfortunately, I have to sleep for at least 7 of them.
Enough of the complaining, let’s get into the income report. Don’t worry, for those of you who have short attention spans, this won’t take long. If you remember, my February income report dropped about $400 from January’s. Well, this one dropped about $90 from last month’s report. I think I have fallen off the hustle wagon! It’s okay though because I have some serious plans to get back on it and work my way to $3,000 a month in gross income each month.
Nobody said paying off debt was easy. Rewarding? Absolutely. But easy, not so much. It’s a challenge to cut back on spending and luxuries. Constantly looking for new ways to stretch your dollar is no walk in the park. It takes some serious discipline to put all the extra money your saving toward a debt instead of toward something you really want. With all of these challenges, it’s easy to get mentally worn out.
Since I am taking on the challenge with my husband to pay off all debt and create a new debt free lifestyle, I wanted to talk about something beyond the numbers. I want to talk about what it takes day in and day out to stay motivated and stay on track. Like most things in life, paying off debt is a matter of willpower and mental strength but no one really ever talks about that part of it. It’s a lot easier to focus on the excitement of the extra income or the big payoff but I want to go behind the scenes. That’s why I’m creating this series “Staying Sane While Paying Off Debt”. I think everyone can relate to how grueling it can be to stay focused so let’s help each other!
One of the best tools we are using to pay off debt? Our Debt Diary! No, it’s not some intimate journal we keep talking about how real our struggle is. It’s just a binder that tracks our goals, progress, and anything that inspires us to keep moving forward financially.
Don’t be fooled! This tool is an essential for anyone trying to improve their finances and overcome debt. Stay on track. stay inspired, and stay organized. Here’s how to make one!
If you’re starting out on your financial health journey, you’re probably wondering how on earth you’re supposed to set up a budget. Should you save anything? Does it all go toward debt? What about normal bills?
I know the feeling. Recently I’ve been going back and forth in my head about the best approach to budgeting for debt. Should I go by percentage? Should I ignore savings right now? Well, I finally worked out a solution so hopefully, I’ll save you from the battle going on in your brain and in your bank account.
It’s March. It’s the start of Spring. I’m daydreaming of spring cleaning the house but then, again why stop there? Why not spring clean our finances too? I think one of the best ways to do this is to kick off the season with a no spend challenge. Now, if you’re on Pinterest at all with any sort of interest in personal finance, you know exactly what I’m talking about. Many bloggers have talked about the joys of saving with a no spend weekend, week, or month. Well, it’s my turn!
Over the next two weeks beginning Monday March 6th, I’m going on a spending freeze! Yay! So what does this mean for me exactly? Let me explain.
Happy March! Can you believe it is almost Spring?? I am so thrilled because Winter and I just do not get along. Who’s with me? I just can’t stand the layers and the snow and um being cold. Really, truly, it is not my cup of tea. Maybe, if these income reports keep going the way they do, I’ll be able to travel all winter long to tropical paradises around the world! #Goals am I right?
Okay enough of that, let’s get into my February 2017 income report. If you haven’t already read my income report from January, you’ll probably be surprised to see I’m making close to $2000 every month now. I’m telling y’all, the hustle seriously pays off. Keep at it! I know there are so many people who make way, way more than I do but I also know there are people less experienced than me who need a little inspiration. If I can be that for you, AWESOME!
Ready for the numbers?