Make it through Christmas without any extra debt!

Christmas is supposed to be the happiest time of the year. "Joy to the World." "Happy Holidays" and all of that, but if you aren't careful with December's Christmas budget, than January's credit card statement can be oh so frightful! Here are a few ways to make sure that you don't break the bank for your Holiday cheer!

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! Christmas is less than 2 months away and I don’t know about you, but I am beaming with excitement. I can’t wait for Hall-o-ween to be over with so I can start decorating my apartment! The holidays are always my favorite time of the year with the sugar cookies, the Christmas trees and lights, and actually being able to spend time with my family.I can already hear the Christmas music in my head.I know it will come up faster than we expect, because it always does. Just like every year, Christmas is on December 25th. Even though we know that, it seems like it just “sneaks up on us” before we even get to plan anything. This year, instead of waiting until December 24th to start figuring out how to pay for the holidays, think about checking out these tips to making sure that you don’t regret all of Christmas once your January credit card statement hits. This year, don’t let your budget be surprised by the Christmas holiday! 1) Set a budget before the holidays get here! Figure out exactly how much you think you are going to need. When I made my Christmas budget of $500, it includes dinners with friends, decorations for my apartment, presents for everyone on my list, and any holiday festivities that may happen. I very carefully figured out what I thought was necessary for all of the different categories, but that still seems like too much for a holiday budget. I tried to think about last year to figure out what I spent, but I truthfully have no clue. 2) Start buying or saving early Some people start buying things when they see them on sale. If you have the storage/hiding space, this is a great idea. Especially if you know…

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Ebates: The BEST Way to Make and Save Money Online.

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! I have recently stumbled upon Ebates and I think I am in love. I don’t really know what love feels like because I have been single for so long, but I am pretty sure this is it. Multiple bloggers have told me how great it is and how much money you can save when shopping online, but I never bought into it. I have I always pushed it off that I don’t shop online that much. Or I don’t really need to shop online and it will encourage me to shop online more. Well, let me tell you that I am pretty sure that I have missed out on THOUSANDS of dollars’ worth of discounts, sales and cash back in the time that I have been ignoring their plea for me to join Ebates. During my Debt Free Journey, I have looked for as many opportunities as I can to save and earn more money. I LOVE getting great deals when I shop online. The cheaper I can get it, the better! I don’t know how I have been missing out on this great deal for so long. I just got a $275 purchase for $210 and $22 cash back for it! Plus FREE overnight shipping. Find out how below?

October’s Debt Free Journey Report

October is so great for fall activities and some of the best foods on the planet. It was also a FANTASTIC month for my debt free journey. I did a NO Spend Month and made sure that I was only spending money on groceries, gas, and prebudgeted things. See here how I paid off $2000+ in one month on a SINGLE income.

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! My Story If you have been following my story at all, you probably know that I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. I gain different followers every month and I don’t want anyone to feel blind as they find my posts! If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey! My name is Elyse. I am 22, single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(S). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic. Towards the end of the month, I was cleaning off a bookshelf, getting ready to move (again), and found The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness. This $15 book completely changed my life path at the time. Dave describes being debt free as such a rewarding and achievable thing. In his book, he says it will take work and it will be hard, but it will be worth it. He has been right.…

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14 Things that Waste Money, but I Refuse to Eliminate from my Budget

The biggest financial advice I have seen is what items that you should never pay for once you start your debt free journey. Maybe I just don't fit in, but I don't see eye to eye on all of the items that are a "waste" of money. I believe that if it brings ease or joy to your life, why eliminate it! Check out my list of 14 things that I waste my money on!

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! Lately, I have seen a ton of articles that focus on things you shouldn’t waste money on in your debt free journey. According to these, you should just go cold turkey on everything that is a “waste” of money. There are a ton of things that could be considered a waste of money to one person, but not another. I am all about ways that I can save money. This month, I am in the middle of my #SavvySagittariusNoSpend Challenge. When I am not spending money on anything, it makes it easier to see what I really do waste money on. This isn’t how I am doing my debt free journey at all. There are still quite a few things that I purchase that are on most of these lists. I am always looking for ways to save money, but there are a few things that I am just not willing to stop “wasting” money on. Because I won’t give them up, I have found a few ways to save some money on these things. Your debt free journey doesn’t mean you have to be miserable. Continue to enjoy the life you have, but do so responsibly.

September’s Debt Free Journey Report

I know October is going to be a great month of paying debts off. This month I will pay off my smallest student loan! Find out how September went!

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! My Story If you have been following my story at all, you probably know that I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. I gain different followers every month and I don’t want anyone to feel blind as they find my posts! If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey! My name is Elyse. I am 22, single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(S). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic. Towards the end of the month, I was cleaning off a bookshelf, getting ready to move (again), and found The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness. This $15 book completely changed my life path at the time. Dave describes being debt free as such a rewarding and achievable thing. In his book, he says it will take work and it will be hard, but it will be worth it. He has been right.…

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Sinking Funds: What are they and why you NEED them RIGHT NOW

Sinking funds is a term that can be a little confusing. Here is a complete guide to making sure you know what you are doing and help you really get your budget together!

Have you ever known that you have a big expense coming up, but decided to figure it out when you get there? Does Christmas “surprise” you ever year, even though it is ALWAYS on December 25th? Do your January credit card bills make you a little bit of a scrooge? I have been posting on Instagram about my sinking funds lately and a lot of people have questioned what I mean when I use that term. I think the name came from Dave Ramsey, but let’s face it, our grandparents and great grandparents really invented the wheel when it comes to no debt finances. Grandma knew what it meant to save her money for a rainy day. I started my debt free journey on January 1st, 2017 and I have not had to pull money out of my emergency fund once because I have my sinking funds. They are a little confusing, but hopefully this guide will help you get started. Here are the most commonly asked questions I get about my sinking funds: How does it work? A sinking fund is a type of savings for irregular or yearly expenses. For example, you pay $600 every 6 months for car insurance. Instead of ignoring it and waiting until the time comes up to pay for it, a sinking fund sets aside a portion of the payment every single month. In this case, it would be $100 a month. It may feel like you are putting away a lot every month, but I promise that it will save you tons in the long run! When you start getting the hang of looking at sinking funds as an expense, it becomes a lot easier to put money away every single month!

August’s Debt Free Journey Report

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! My Story If you have been following my story at all, you probably know that I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey! My name is Elyse. I am 22, single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(S). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic. Towards the end of the month, I was cleaning off a bookshelf, getting ready to move (again), and found The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness. This $15 book completely changed my life path at the time. Dave describes being debt free as such a rewarding and achievable thing. In his book, he says it will take work and it will be hard, but it will be worth it. He has been right. There have been days were I have completely questioned my sanity. I sometimes wonder why I don’t just make…

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Building Your Debt Snowball, Then Killing It Quickly!

Imagine yourself looking at the money in your bank account. You have no monthly housing payment. No student loan payment. Your car is paid off. All you pay for monthly is your phone, utilities, food, and your “want” list. You must think that I am crazy. But this is my goal by 25. Debt paid off. House paid for without a mortgage. Money in the bank. Many people love the idea of being debt free, but once they start looking at their bills, they have no idea where to even start. Or, they are so overwhelmed with just the monthly payments that they can’t even imagine paying more on any of the debts. Whatever your case is, if you want to be debt free, you will find a way to do it! I am on a one person income and slowly but surely working my way to being debt free! If you are a Dave Ramsey follower, then you have heard of the Debt Snowball. Some people have heard of it other places as well. In my opinion, it is one of the best ways to keep the motivation to get debt free! The snowball isn’t directly Dave Ramsey’s, but it is the system that he uses in his Financial Peace University.

How To Set Your Goals And Achieve Them too!

Have you ever set a goal and a few days into working on it, you completely forget about it. Here is my number one way of setting goals and achieving them too!!

Have you ever tried setting weight loss goals in the middle of September? It is almost impossible to stick to for some reason. All of the holidays are coming up. The great fluffy clothing is lurking around the corner so you don’t have to worry about wearing shorts or a swim suit any time soon. The “I have plenty of time before summer” excuse. But before you know it, without fail, summer comes and goes again the next year and you are still uncomfortable with your body. Maybe that isn’t you at all, but you can definitely relate that without a real reason why, it is hard to accomplish anything. Without setting yourself up for success, you don’t see a lot of progress on whatever you are working on.  Setting goals is the number one way to make sure that you are actually making progress in life instead of just floating along.  Maybe it was because you weren’t that committed. Or it could be that you made them and then didn’t look at them again until way after the goal date. Whatever it was, here are a few pointers to making sure you can meet you next set of goals! 

How I Gain Over 1000 Instagram Followers a Month With Little Effort!

Do you love Instagram, but struggle to get followers, especially ones that actually talk back? Here are a few tips to get the most out of your Insta!

Most bloggers say that most of their traffic comes from Pinterest, but I would say that a majority of my traffic comes from Instagram. I have connected with people who are in the same boat as I am. It is fun to be able to personally follow someone else’s daily journey. Recently I have gotten a ton of followers that have told me that they absolutely love my Instagram. People have told me that I inspire them with the things that I post.. I have also had a steady gain of followers. My number followers on Instagram is not outrageously high, but I’ve only been active for about 4 months and its almost at 3000 followers! How I gain over 1000 Followers a Month on Instagram