Disclaimer: This post does 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! Thank you! You can read more about it in my Disclosure Policy. I have been a server for almost two years now. It is such great money. It is also super convenient to walk out with money immediately after my shift. While the job itself is not my favorite, I continue for the flexible income. The problem I quickly saw was that I wasn’t actually getting a paycheck. I was just walking out with my paycheck every night that I worked. The first month, I was so carefree because I had cash in hand. The other servers and I love to go out for drinks after work, which quickly became my second problem. On a good night, I find myself tipping the bartender $10-15 on a $5 drink. It quickly became a little excessive. Even if I wasn’t over tipping, I was spending $10-20 of the $100 that I just earned working. I looked all over the internet to find anything that had ideas for how to budget as a server. Turns out that there isn’t as much as I thought there would be. Apparently not many people are writing about budgeting as a server. Probably because not many of them have an effective system. When you have the opportunity to make that good of money in one weekend, budgeting isn’t necessarily a must. Then I turned back to Dave Ramsey. Of course, the envelope system. Here are 9 Steps to Budgeting as a Server (or any irregular income jobs) It took me a little while to get into a routine, but once I did, it was a lot faster process. Don’t get discouraged if it takes you an hour the first time you sit down to try to do this. Keep going because I promise that having a ton of extra money is so worth it! Soon, it will be an automatic process!
Have you ever looked at your spending and questioned why you even needed certain things? Why do I spend so much money on clothing/supplements/contacts or really just anything in general? I have started looking at my budget and questioning whether I really need to spend money on some things. I don’t honestly buy clothing very often, but usually when I do it’s pretty costly. Other bloggers plan for a no spend month to reset their budget and get back on track. So much reading has gone into the planning for this month, but I am excited. I am currently planning a No Spend Month for April. It is exactly what it sounds like. I won’t be spending any money during April. My budget for April is going to be strictly bills, a little for some groceries and gas. I am not planning to put any money in any of my “extra” funds. During the month of April, I am working full time for the military as well as at Applebee’s 4 days a week. I am extremely excited about the money that will be coming in during the month of April so I decided that I wasn’t going to spend money on anything I didn’t need to. Having the military income will be such a nice addition, which makes it the perfect month to lock down and not spend any money. Usually, having this much extra income, I would be excited to be able to buy a few extra things that I have been wanting to get, but instead, I am going to really focus on sending every extra penny towards my debt payments! As always, I have audacious goals. My goal is to pay off a total of $3,000 in debt during the month of April. This is about 2 times what I have been paying off on a good month so far. I have been averaging about 900-1,500 on good month so far. I am tremendously excited to see how much I actually pay off by not spending money. My overall goal is to completely get rid of…
I have written quite a few rants about dating as a millennial. It isn’t dating anymore, but it seems that I am not the only one who has this opinion. In the last few days, I have read a ton of articles about bringing back old dating styles. I have heard excuses about being broke and not knowing what to do. Dates don’t always require money, but they usually require leaving the house. I don’t know why it is so completely impossible for some guys to pick a place and just go. But it is probably just as impossible as saying “What do you want to do?” to a woman and getting an actual answer. There are so many possibilities that when asked, what is a woman supposed to say? Some of these dates are super cheap and some of them could get a little pricey. A few of them would be good to watch for specials and have certain days that are cheaper than others! Not every couple will enjoy every one of these on the list, but there are a ton of ideas. I tried to keep most of the date ideas to things that don’t require a lot of advanced planning, but a few of them do. I know that I have done almost all of these at one point in my years of dating. Here are 30 date ideas for the next time your partner says “I don’t know.”
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.”
I have done a ton of reading from other financial blogs and almost EVERY single one of them says to get rid of your gym membership. If you landed here, I am sure that you have also read a ton of financial advice that says that is the first thing you should cancel. I talked about my debt free journey, but my gym is not something I will cut to get there! Overall, it is probably one of the things that people do waste money on, but if you use your gym membership, DO NOT cancel it! As much as I complain about it, the gym is like my second home sometimes. Getting there is the hardest part of working out, but once I am there, I can easily lose track of time . Even if I am not great at it, I try my hardest to maintain my health. I want to stay healthy for many years to come. Exercise is the #1 Under Used Stress Reliever After a really long day at work, I have found myself in the gym. Lifting or running can be a great distraction and a huge stress reliever. Working out also releases chemicals in the brain that cause a person to de-stress. I am not going to sugar coat it, I am almost always stressing about something. Whether it be boys, my future job, my military career and where it is going, or a roommate situation, there is almost always something to stress about. When I am waiting for a boy to call, I go to the gym instead of sitting around.
Disclaimer: This post contains affiliate links, which means that I may make a small commission off of any purchases, at no extra cost to you. This is one way that blogs make money and I appreciate the support if you should choose to make purchases based on my suggestions. I come from a family with a mild case of hoarding. I love the sentimental things that I own. Clutter is kind of a way of life. But what happens when you finally move most of your stuff out of your parents house and realize you have no place to put it? When you are moving and your find stuff that you haven’t seen since you moved? My mom will be the first to tell you how hard I am on her about all of the stuff we have accumulated since we moved into that house sixteen years ago. When my grandma announced that we were having Thanksgiving at my mom’s house, I took it upon myself to use that as an excuse to clean their house. We started with the clutter in the kitchen closet, otherwise known as the “closet of doom.” The closet wasn’t necessarily as bad as I thought, but we found stuff from my childhood. My Easy Bake Oven was buried in the back of the closet. It was an adventure. An adventure that my mom even wrote about in the local paper. After spending the holiday season helping my parents clean their house, I was amazed to come home and realize that I am slowly on the same path as my parents.
Last year, I spent 3-4 full weeks traveling to a ton of different places. I wandered through Wyoming, Idaho, Utah and Colorado. I flew to Florida to see my sister before she moved. There were Christmas lights in Texas that I just HAD to see for my birthday! It was probably some of the best experiences of my life and I would not trade it for the world. After I own my home, I hope to travel like this again, but I would never have been able to take a full month off work to travel like that if I wouldn’t have had a plan. “A budget is telling your money where to go, instead of wondering where it went.” When I work two jobs and pick up extra shifts and my second job, it really isn’t to pay rent or the electric bill. When I turn down people for dining out and getting drinks because I am “broke,” I don’t mean that I don’t have money. I mean that I haven’t put any money aside in my budget for drinks and dining out right now. I limit what I spend going out because I am have other priorities for where my money is going. Without my budget, I would have never been able to travel that much while still paying all of my bills. Now I am planning to pay off all of my debt. I have paid off about $10,000 in 9 months thanks to this simple budgeting system.
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 minimum payments forever like everyone else. “Sometimes, you have to like like NO ONE else, so someday you can LIVE like no one else.” – Dave Ramsey
I just posted my goals about getting debt free a little over a week ago, but I have been working on this all month! I have big goals of paying off all of my debt by the end of the year and I definitely got a good start this month! Now, I have to be clear that I did this without selling anything so far. I didn’t trade in my vehicle for a cheaper vehicle. The same items are still in my home and I still live in the same place. I did pick up a ton of extra hours at work and I was a lot more diligent with my grocery shopping and eating out. The military also put me to work for a little while this month, which ended up as a pretty nice paycheck. I was also very meticulous with my budgeting throughout the entire month. 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.…
I always told myself that I was financially smart. There has always been some form of a budget. I have some savings. The only debt I had was student loans. I didn’t even get a credit card until the week before my 22nd birthday and I was irrationally proud of that. Fast forward six months and I feel like I am drowning. Not that I am not making enough money, but that I realized how much debt I actually have. $34,000 in student loans, credit cards, and a car payments. 90% of it being student loans. I told myself I would never ever be like the rest of America, just running on credit. But here I am. I didn’t need my Jeep as bad as I just really wanted it. It is probably one of the nicest vehicles that I have ever owned, but I could have waited. Instead, I got a loan for it. With the loan, came a credit card to help build my credit so my dad didn’t have to cosign a loan if I needed a loan again. Blah. I did the math and just paying the minimum payments, I would be paying off my student loans for almost 22 years and that’s without the interest that would accumulate. A month and a half later, after the Christmas shopping has been completed, I am feeling a little like every other American at this time. The post Christmas- “I am broke” blues. While “broke” may not be exactly the word that most people would use to describe a 22 year old that has a solid Army paycheck coming in two days, it’s definitely how I feel.