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?
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!
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 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)
Happy New Year everyone! Ready to find out how much I made in December? Well you’re in the right place.
I’m so excited to say that I not only made significantly more than I did last month, I also made more than I ever have freelancing! I’ve mentioned before how my goal is always to make at least a single dollar more than the month before. We all know, that life doesn’t always happen in a straight line headed up. My income has fluctuated the past few months but I finally broke my record so to speak. Unfortunately, this month’s income only came from my virtual assistant work at Time Etc. I’m still quite happy with the results.