It’s summer time ladies and that means you’re in need of a super inspiring summer reading list. I have scoured the internet to find the best of the best books for the fempreneur, mompreneur, girlboss, bossbabe, or whatever else you’d like to call yourself. I have read a few on the list and plan to work my way through the rest by the end of the summer. There’s nothing quite like the sense of peace and satisfaction I get from grabbing a book (or my phone), heading to the beach, and learning about the lives of successful women.
I read a lot of great personal finance blogs about getting out of debt journeys. I absolutely love a good success story. They make me all warm and fuzzy and simultaneously send a chill down my spine. Every. Single. Time. A lot of the wonderful blogs I read, however are from the perspective of a couple who already have a fully furnished home and two cars and everything they could possibly need in terms of material items.
But what about us drowning in debt without a comfy couch to sit on. (You can read more about my lumpy $3 couch and why I started freelancing here.) Without a desk to work at and instead have to plop down in front of their thrifted coffee table everyday because it’s pretty much the only surface in the house. What about us?
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?
I see it all the time all over Pinterest and various blogs. Claims from mommy bloggers and even niche that promise you can start a blog for only $3.95 per month drive me absolutely crazy. As someone who has been dying to start a blog for well over a year now (yay! it finally happened), with a very low budget, these promises are soooo frustrating. I can’t tell you how many times I’ve read a different blog making the same claim, looked further into it, followed their exact method, just to end up disappointed by the actual start up cost.
I’m here to save you the frustration and disappointment. While I love the idea that bloggers are encouraging others to blog, I don’t love the idea that the process is being falsely advertised.
Here we are at the start of the new year and I have in front me a shiny new binder, a hundred baseball card sheet protectors, scissors, and coupons. I have been eager to try couponing for real for a while and I thought the start of the new year is a perfect time to do it!
Now, I have couponed before but I never had the right supplies so it wasn’t as organized as it should have been. I also didn’t see as much benefit as I know I could have had I used the right tools. Near the end of December, I ordered my supplies noted above and I grabbed all of the inserts I had been collecting and began getting everything situated. I can proudly say that I have a binder full of coupons that are clipped, organized, and ready to go. I am so excited to see the savings! But why am I going through the trouble if we have survived without it for so long?
HAPPY NEW YEAR! It is 2017 can you even believe it? If you’re new to the blog, let me fill you in a little bit. Last year I was a stay-at-home mom and wanted to make a financial difference for my family. Living off a low-income is kind of a vicious circle, however and it felt like I couldn’t find a solution.
If I got a job, we would have to pay for daycare and possibly get a second car and with my experience, I would have some horrible retail job with equally horrible hours. So after scouring Pinterest and various blogs, I decided I would create my own job from scratch with zero start up cost. My ultimate goal was and still is to run a fashion/lifestyle blog but I knew starting a blog cost money. You can read more about what it really costs to start a profitable blog here. (Hint: It isn’t just $3.95/month)