Christian, Money

5 Things I Learned From David and Goliath about my Debt Free Journey

The story of David and Goliath has been used to tell many lessons, but here are just a few of the things I learned while I was reading it and applying it to my Debt Free Journey. #davidandgoliath #debtfreejourney #lessonslearned #godonmyside #godlydebtfreejourney #withgodanythingispossible

David and Goliath is a bible story that has been used many, many times over to make a point about winning battles when God is on your side. It is the story of a young boy who steps up to battle to fight Goliath, a well trained warrior.  They are representing their lands, but David is just a small shepherd who’s job was to tend to his father’s sheep. He wasn’t a fighter. David stood up to fight against Goliath. While David was scared, he was confident that God was on his side. God would protect him, and he did. Most of us have heard the story about David and Goliath. If you have been to church even once or twice, you probably have a good idea of the story. I remember growing up and watching the Veggie Tales story of David and Goliath as well. If your childhood wasn’t filled with Bob the Tomato and Larry the Cucumber, then you seriously missed out! If you don’t have your own bible to read the story, I strongly recommend checking out the “She Reads Truth” Bible. The story of David and Goliath came up in the devotional that I have been doing. It really made me think about David and Goliath in a day to day aspect. Sometimes it seems like such a kid story because I was told the story probably a million times while growing up in bible studies and Sunday School. But David and Goliath isn’t just talking about a young boy defeating a giant. It is told as a reminder that overcoming obstacles isn’t impossible. It is about reminding you that you can do anything. Here are 5 things that I learned about my Debt Free Journey from the story of David and Goliath. 1) Your opponent may seem huge. “He was nine feet, nine inches tall and wore a bronze helmet and bronze scale armor that weighed on hundred twenty-five pounds.”  (1st Samuel 17:4) Goliath was huge and he was well trained, but in the end, David still wins. Sometimes it really doesn’t matter what your “opponent” may be.…

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Budget Tips, Food, No Spend Month Tips

How This Single, Millennial Spends Less than $200 a Month on Groceries!

Saving money on food can be one of the hardest things sometimes! I mean, you need it to survive, right? I have done good about keeping my grocery budget under $150 a month! Here are a few of my tips on how to keep your grocery budget low!

I recently posted a picture of my budget on Instagram and I have been talking about my No Spend Month Budget a lot lately. My grocery budget for the month is usually about $150-200 a month! A ton of people have asked me how it is possible. During my No Spend Months, I often cut it down to $100. I will start by saying that I do not fall into “organic” traps. I don’t have any special dietary needs and I haven’t cut any major food groups out of my diet. While I think there is a healthy balance of proteins, fats, and carbs, I also think that life is far too short to deny yourself of anything you want. Your body is also designed to run off of all three macros. That being said, I am not a nutritionist, so you don’t have to listen to what I am saying about food! People are asking, so I am sharing the raw truth of how I eat so cheap so I can pay off more debt. In 2017, I paid of more than $15,000 in 12 months and I have continued to pick up the momentum with every month so far in 2018. Here is how I keep my grocery budget under $200. I work in a restaurant I could write a whole post about how working in a restaurant has cut my grocery budget! This is probably my number one reason my budget is so incredibly low. I spend 40+ hours in the restaurant most weeks. At least one day a week, I am there from open to close, which usually means that I eat 2-3 “meals” at the restaurant. If you have ever worked in a restaurant, you know there is usually “dead”/extra or messed up food that is up for grabs. There are nights of eating wings that were tossed in the wrong sauce or extra fried chicken that was never used. I am definitely not saying it is the healthiest, but it works and it’s free. I always make sure that the food is extra before…

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Budget Tips, Making Money, Money

Financial Apps You MUST Download for your Debt Free Journey!

Do you ever feel like you have a million apps on your phone but you are still searching for the best one? I have been working hard at pay off all of my debt and in the mean time, I have been compiling a list of my favorite tools. There are so many financial tools out there to use that it can be hard to know which tools to use and which ones overlap to do the same things! I have spent a ton of time looking and trying different apps for my phone to get cover all of my needs. Here are a list of my favorite financial apps that have helped me on my debt free journey! Ibotta It is no secret that I love Ibotta. I have shared this multiple times on Instagram. Ibotta is a grocery rebate app. I am all about saving money on groceries. Instead of saving money up front like with coupons, it is a receipt scanning app. The app will pay you for scanning your receipt when you purchase certain items. I love Ibotta because there are a ton of different things on there. Alcohol, produce, meat, frozen foods, and household items can all be found with rebates. Checking it regularly can mean getting cash back on things that you are already getting! When you sign up for Ibotta, you will get a $10 welcome bonus when you redeem your first rebate! (Who can beat free $10!) Acorns Acorns one is pretty new to me, but I have been checking it out lately and I am totally in love so far! It is an investing app for dummies. I have set up my debit cards to round up the purchase so money goes into my investing account when I make a purchase. Acorns also allows you to set up recurring payments. It takes all of the guess work out of what to invest in, because you can just choose your risk level. The app does the rest for you! I have figured out that if I started investing $600 a month (which…

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Budget Tips, Money

The Ultimate Guide To The Cash Envelope System

  Cash Envelopes are the best way to curve your spending because it has been proven that cash is mentally harder to spend than swiping your card!  This system is nothing new to the budgeting world. In fact, this is probably how your great-great grandma carried her budget! If it worked for her, it could definitely work for you! Cash Envelopes are exactly what they sound like. Envelopes or Clips to hold cash that is specifically allocated for a certain category. Things like eating out, groceries, and misc/personal spending are usually the most popular categories for your envelopes, but they can be so many more than that. Cash envelopes allow you to assign a certain amount of money to a category. Once the money in that envelope is gone, there is nothing left for you to spend! They take a few months to get the hang of, but soon you will be rocking and rolling your way to spending less! How to Set up Cash Envelopes? Gather all of your materials To get started you will need envelopes, a pen, a small notebook (small enough for a piece of paper to fit inside of the envelope), clips, and a place to put them! I also use sticky notes to label each clip. I use an old recipe box to keep all of my envelopes organized. The old, decorated milk jug is my coin jar where I put all of my loose change. It actually adds up pretty quick and it is a nice extra $50 every other month. I have seen people use all different kinds of envelopes as well. There are plastic envelopes (which will hold up a little bit longer), or paper envelopes with a ledger if it makes it easier for you to track. Or you can decorate your own. I started with basic office envelopes, but I have been thinking about upgrading! Make a list of budget categories that cash spending would help with These can be all different kinds of things based on your budget and your family. Because I am a waitress, I have…

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Budget Tips, Money, No Spend Month Tips

5 Things To Prepare for a No Spend Challenge

Preparing for a no spend challenge is extremely important.

I have been on my debt free journey for almost exactly a year now! One thing that has helped me tremendously with paying off $15,000 on a $30,000 income was No Spend Months! They may seem a little crazy, but you can accomplish anything in 30 days if you set your mind to it! No Spend Months are great for resetting your finances after a splurge or really just focusing in on what you already have. The last year of 2017 has been a bit of a cheat week for me because my roommate came home from her military training for Christmas break. I haven’t exactly stuck to my budget, but I also budgeted to splurge (All in cash). Does that mean I’m not breaking the budget? I am making January a no spend month for me, but you can definitely do it any month out of the year. I will probably have multiple throughout 2018 and beyond. Whether your goal is to not spend for one week, a month, or even a whole year, you have to be realistic about your goals. Everyone has to set their own rules for a no spend month. The best thing you can do for your goals is to prepare for obstacles that might come up throughout your no spend time. Here are 5 things to do to prepare for a No Spend Challenge: 1. Set your goal. When setting your goal, really think about why you want to do this challenge. Is it because you know you have been spending too much? Or maybe you have too much stuff in the house already and you are going to focus on getting rid of stuff and not bringing more in. Another great goal is to pay off the rest of a debt. If you are super close on one of your snowball accounts, maybe the whole point is to really focus on getting that student loan/credit card/car loan gone! When preparing for your no spend month, make a list of the things that you hope to get out of this month. I don’t recommend your…

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Debt Free Journey Reports

November Debt Free Journey Report

  My Story If you have been following my story at all, you probably know my story. If not 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 (almost 23!) 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. Even though I had never needed a credit card, I was determined that I needed them then. I had racked up a pretty decent amount of money on my credit cards and started picking up waitressing shifts to get it cleared. While I have never paid interest on my credit cards, I have definitely gotten close. 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,…

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Debt Free Journey Reports, Money

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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Budget Tips, Money

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!

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.

Budget Tips, Money

7 Steps I Took to Pay off $7000 in 7 Months

If you have followed me at all, you have heard all about my debt free journey. Maybe reading about my story has made you curious. Maybe you stumbled upon my post about Why You Should NOT Start Your Debt Free Journey and it inspired you, or at least got you thinking. Maybe you have no clue what I am talking about when I say “My Debt Free Journey.”  Or you simply want to know how I have paid off $7,250 since the beginning of the year. It is crazy that this has been my life for 7 1/2 months because I feel like it was just yesterday that I started this journey. But some days it feels like I have been at this forever. I have poured my whole life into doing everything I possibly can to speed up the steps. I read some great inspiring stories about how people trade in their brand new car for a 10 year old car and they are able to pay off debt super easy.I am so happy for them, but that isn’t my story at all. All of my debt is student loans and I live in an apartment, so nothing big to sell here. There is no acquired money from relatives, just from working a lot.  I am not married, so I don’t have anyone else’s income to live off, just my own. This year has taught me a lot about myself. I have learned that I have a lot more determination than I originally thought. I can also go days without getting more than 5-6 hours of sleep. This year has been a long one, but I am taking it step by step. I am 22, not married, and no kids. Here are my 7 steps to start paying off your debt: 1) Read Total Money Makeover You can start your journey without this step. I actually tried it a few times before without actually reading the book. But let me tell you, once I read the entire book in just a few days, I was hooked. I couldn’t get…

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Holidays, Money

4 Ways to Save Money on 4th Of July

4th of July is one of my favorite holidays, but it can break the budget before it even starts. Here are 4 ways to save money on the 4th of July!

I absolutely love the 4th of July! In fact, I don’t know a lot of people who don’t like it. It summarizes everything that I love about America. Friends and family coming together to eat some great grilled food and drink some beer while lighting stuff on fire or blowing it up. What about that statement is there not to love? As a child, I have a ton of memories of blowing up McDonald’s toys or plastic army guys. It was a blast, but as a child I never worried about the amount of money I was setting on fire. Literally. As I get older, blowing up fireworks has become a lot less fun. I usually join in on the fun for a little while, but it isn’t necessarily as fun as it was as a child. Anyone else agree? This year, I decided not to spend money on fireworks, but instead enjoy the fireworks of others. As I continue through the 7th month of my Debt Free Journey, it just wasn’t in my budget this year. I have spent most of my weekend reading some great books and working on some writing. I plan to spend a few days by my apartment pool and enjoy the local flea market on the morning of the 4th.