Budget Tips, Millennial Stuff

Budgeting Doesn’t Mean NO Fun Allowed

So many times when I start talking about budget, I can see people roll their eyes in the back of their heads. I get the response, "But I want to have fun!" Budgeting doesn't have to mean that you don't get to have fun. It means that you get to plan for fun and for your future. Find out the four things that budgeting can mean for you!

  I have been budgeting for the last two years consistently. Budgeting isn’t something that I would say is a ton of fun unless you are a huge nerd. (Like me.) I am slightly obsessive about my budget. But I know that not everyone has the desire to track everything that closely. I asked what people’s first thought was when it came to a budget. So many people said that to them, a budget mean restrictions, only buying what you need, cutting out fun, or simply STRESS.  When I talk to people about having a budget, the usual response I get is “I know I need to be better with my money, but I just like having fun too much.” or “I prefer to just have fun and see what happens.” I don’t care how much money you make (or don’t make), if you don’t have a written budget of some kind, you are NEVER going to hit your financial goals unless someone else manages your money for you. If you associate a budget with having zero fun this post might just be for you. I still remember when I first started budgeting consistently. In 2017, I was living with 2 other girls and we ALWAYS had Sunday girl’s nights. I never once stopped budgeting for them while we were living together. Instead, I just started putting money aside for it so I knew that the money was there. We started doing more budget friendly items, but didn’t stop having girl’s night until we moved. In the past two years, I have budgeted and worked my way out of debt and into working 3 days a week. I am getting ready to buy a house with less stress, but I have had a ton of fun memories along the way! A budget DOESN’T mean that you can’t have fun. Here is what it does instead.   1. Tells you that you have enough money to cover your bills When you are first setting up your budget, you might be a little overwhelmed at all of the things that you pay…

Read More Here..

Millennial Stuff, Money

Books that You MUST Read to Change Your Finances Today!

Reading has always been a HUGE part of my life. During my debt free journey, it is one thing that has kept me motivated and taught me a lot that I didn't know about finances. Here are a list of just a few of my favorite books!

Reading books has always been a huge part of my life. I am such a huge reader and I have been since I was super little. Reading to me came at a young age and it has stuck with me throughout my entire life because I was good at it, and to me it was fun. While the genre of my books have changed tremendously, I still curl up in bed or bring a book with me to the bathtub as I take a bubble bath at the end of the day! It has always been my belief that reading will teach you far more than most classes ever will. I have learned more about finances from reading a few books. Sure, college classes will teach you some very specific things, but how specific do you really need to know. I have learned a ton in just the last year of intentionally reading almost every single day. One of my favorite things in the world is when I get to suggest books to people, and they tell me they LOVED it. This isn’t an extensive list of all of my favorite books, but instead, it is a guide of a few of my favorites that have helped direct me on the path that I have been on with my finances. This list covers the books that I read during my debt free journey and ones that I hope to read as I continue. I actually put off writing this post for a while because there are always going to be more books that I want to add to any list of books. While I don’t feel like this will ever be complete, I hope that it helps you get a start on your own reading list! Here are a few of my favorite money books.   Total Money Makeover (By Dave Ramsey) This is a no brainer. Pretty much every one who is working on paying down their debts will tell you that they have at least skimmed through this one. This book completely saved my 20’s. It has changed…

Read More Here..

Millennial Stuff

5 Steps to Setting Realistic, Attainable Goals and Crushing Them

How easy is it to set goals and then totally forget about them! Check out this guest blog post from Daily New Year's Blogger, Austin for 5 steps to creating those realistic, attainable goals!

Hey Readers! I want to introduce to you, Austin, the blogger at the Daily New Year! I was super excited when he was up for doing a guest post for my website! Check out his tips for setting goals and totally crushing them! If you are also interested in working with me, check out my page about working with me!    I’m what I like to call a “goal getter.” I love setting goals, tracking my progress, achieving new things in life, and I love seeing others do the same. That’s why I’m so impressed with what Elyse is doing with The Savvy Sagittarius blog and her #debtfreeat23 campaign. It’s incredible to see her progress week after week and month after month. She has total focus and discipline. Goal setting is a passion of mine, and it’s one I want to share with the world. If you’re reading this post, maybe you’re new to setting goals, or you’ve never set a goal before. Or perhaps you feel a sense of disdain for goal setting due to a setback or failure you experienced earlier in your life. That’s okay! I’ve met and talked to people at a variety of different stages in their personal development journey. If you’re still with me, I hope it’s because you want to set some goals of your own, and that’s awesome! I want to help you crush them! Are you ready? Here we go!   1. Write Down Your Goals and WHY You Want to Achieve Them. I don’t want to bore you with stats, but writing your goals down makes you 42% more likely to achieve them. When I first sat down to write out my goals, I tried to think about my life in the long term. That’s what Elyse is doing on her About page:    “After everything is paid off, I plan on buying a house and raising a few goats and a few puppies. I can’t wait to live a life full of adventure after I have no payments.” Before she set out to be debt free on January 1st, 2017,…

Read More Here..

Millennial Stuff, Money

Refinance Student Loans: Why I Did It and Is it Right For You?

The refinance on my student loans went through! Having student loan debt has probably been one of the most complicated things for me to figure out on my debt free journey. When I started my journey, I had about $7,500 in debt in my own name, but I also had student loans in my dad’s name. They were “parent plus” loans, which ultimately means that my dad was technically responsible for the payments on them. I had attempted to go through the original loan company to get myself added to the account, but they continually told me that because they were parent plus loans, it was not my account and I was not responsible for them. However, I knew when I took them out, that I was ultimately responsible for making the payments on them. When I started looking into my student loans more, I realized my interest rate was high. I was paying over 7% interest on $25,000+. It ended up calculating out to $8 a DAY in interest since 2014.  I don’t regret taking out my student loans, even though I don’t have my degree yet, but I didn’t want to continually pay on them over and over again in interest. I finally decided to refinance my student loans through SoFi, (Social Finance).  Why did I refinance my student loans? 1) They were in my dad’s name. Because I have been throwing all of my money at them, I have paid off about $3,000 in interest off in the last year. When it comes to taxes this year, it will all go to my dad’s name instead of my own. Ultimately, it is fine, but that tax break would have went right back towards my debts. 2) My credit score had gone up 120+ points since I had originally took out student loans. This helps because when I took out loans, I had almost no credit. I didn’t get approved for very much, but my dad did. Now that my credit went up, I can actually get approved for the amount that my education costs. 3) 7.4% interest…

Read More Here..

Millennial Stuff, Money, Relationships

My Single, Millennial Debt Free Journey: The Pro’s and Con’s of Being Young and Single while Becoming Debt Free

I am in my early 20’s, single with no kids and I have been working on my Debt Free Journey since January 1st, 2017. A lot of people have said, “Oh, well with no kids to feed, it would be easy.” This journey isn’t easy whether you are single, married, divorced. Becoming debt free is a hard journey no matter what. There are constant, daily struggles of a debt free journey. If you haven’t read my whole story, I started this journey just a few weeks after I got a loan for my Jeep right before my 22nd birthday.. I realized how deep in debt I really was because my student loans were all coming due. Then, I started to freak out. I had never ever had a vehicle loan because my I have always driven $1,500 or less vehicles. My Jeep is the most expensive vehicle I have owned at $3,000. Mentally, I didn’t know what I was supposed to do because I was 22 and already overwhelmed by my debt. Not really how I imagined spending my early 20’s, but I am so thankful that I have spent the last year getting rid of as much debt as I could in a year. My student loan companies had started calling to talk about payment plans and I started getting bills in the mail for them. At 22, I got my first credit card to “help build my credit” after I didn’t get approved for my Jeep loan. (Thanks Dad for cosigning my Jeep, but also unknowingly encouraging the start of this journey.) Having no one else to worry about when it comes to my budget has been great. There are HUGE perks to being single on this journey, but I have also found some things harder because I am single. Here are just a few of the pro’s of my young and single debt free journey: One of the best things about being single is no “budget committee meetings.” Dave Ramsey recommends couples to have “budget committee meetings” for your personal budget as if you were doing it…

Read More Here..

Millennial Stuff, Money

Why I Don’t Regret My $29K In Student Loan Debt

Student loans are such a dumb and tricky debt when it comes to a debt snowball. I started this journey with about $29,000 in student loan debt left to pay. Most people would say that $29,000 isn’t too bad for a Bachelor’s. But I don’t have my degree. All of my general education credits are complete. I just need to decide what degree to pursue and commit to it. The main problem with that is that I have zero idea what I want to pursue as a degree. When I go back, I have about a year left on my degree. If you have missed my story, check it out on my about me page.  I have paid off over $15,000 in debt in one year, and plan to finish October 2018. If you want to check out my current progress, check out my Debt Free Journey Reports.  The Dave Ramsey book changed my life and outlook on money. I refuse to get into anymore debt, because of The Total Money Makeover. A lot of people have asked me if I regret taking out student loans or if I wish I would have done it differently. My student loans are almost 100% of the reason that I have debt. They are the reason that I am on this debt free journey. I have student loans because I lived in the dorms during my freshman year. ($10,000) I believe that every student should live on campus for at least one semester. I met one of my favorite people from living in the dorms. My roommate was amazing and she was so much fun! Alie and I have so many memories from living together because she was my first “random” roommate outside of the military. She taught me to understand that everyone is different. She also taught me that we both lied on our roommate preferences sheet and still got paired together. Living in the dorms during my freshman year was practical, convenient, and insanely helpful to my freshman education. After moving out of the dorms, it was easier to skip class and…

Read More Here..

Millennial Stuff

All About This Sagittarius Stuff

  When I first chose the name “The Savvy Sagittarius” for my blog, I just thought it was playful and cute. I wasn’t that deep into my horoscope, but I was beginning to learn. I follow a few horoscope sites on my social media and some days it is completely spot on. Some days I am amazed with the personality that comes out of my horoscope. While I don’t really pay attention to a lot of the theories behind the horoscopes, I do think they are extremely inspirational. The daily posts are motivating and encouraging, especially when they are completely on point with what is going on in my everyday life. Below are the traits for a Sagittarius based on ZodiacFire.com and Astrology Zodiac Signs. Truest of all the Sagittarius statements that I have read, “However, although she is wild, do not expect her to fall in love with you immediately. Once the Sagittarius woman does fall in love, she will be a loyal and caring partner. If you give her a reason to think a relationship with you is going to be difficult, she will simply walk out the door. The Sagittarius woman usually has multiple love affairs throughout her life, due to the fact that she will not settle for a relationship that makes her unhappy.”

Millennial Stuff

What Is a Millennial and Why Is It Such A Bad Thing?

While I have read multiple different age and birth year ranges on a millennial, it is technically defined as anyone who was reaching young adulthood around the year 2000. So maybe I am a little farther behind than the actual millennial, because I was in kindergarten in 2000, but I feel like people still apply the term to my generation as well.  I have read it as anyone born after 1992. No matter the years, the negative connotations stay the same. We are known for our safe spaces, participation trophies, selfie sticks, and our cell phones that must be “surgically removed” from our hands. We are better at figuring out technology than any other generation. Most of us can’t spell to save our life, thanks to spell check and auto correct! Urban dictionary killed it with this definition of us! While there are so many negative descriptions of us, but there are also a few positives that I think better describe some of us. Willing to work for what they want, technology savvy, the best work/life balance of any generation are just a few. I have such a strong love for writing that has been nurtured by my love of reading that started at a very young age. It was fed from countless elementary teachers who continuously encouraged me to read anything and everything I could get my hands on. My love of writing was encouraged by my 7th grade English teacher.  She knew what I was capable of and never expected anything less of me.