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…

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Budget Tips, No Spend Month Tips

What is a No Spend Challenge?

Maybe you have heard all of these finance gurus talking about "No Spend Months," but you have NO clue what they mean. Here are a few starting points..

  I have been talking a ton about No Spend Challenges lately, but I have received a TON of questions about them! I have done a few No Spend Months during my debt free journey that have allowed me to get ahead on paying on my student loans. Now that I am debt free, I am still doing them to ensure that some of those old habits don’t start creeping back into my budget. To me, a No Spend Month is like a diet “cleanse” or detox. When you do a body detox, you are attempting to feel better by cleaning out the toxins and excess weight that your body is holding onto. When I do a No Spend Month, I cut out any “fun spending” and look at the fun things to do for free instead. I am cutting out excess spending to see what is more important. During October 2017, I was able to put my whole full time paycheck towards debt and just live off of my waitressing money because I barely had any expenses. In January 2018, I was able to put over $2,500 towards my student loans right after I lost my full time temporary job. These challenges have played an essential role in my debt free journey at a few of the most challenging points since I started. In April 2019, I was able to put $2,610 towards savings with my tax return and a no spend month because I am debt free now. Maybe you have heard people say things like “No Spend Month.” Or, this month I had “15 No Spend Days!” Well here is where it finally all gets explained if you are feeling in the dark! Here are a few of the frequently asked questions to help clear up any confusion! What is a No Spend Challenge? Like I said above, a no spend challenge is kind of like a detox. It is a period of time that you allow yourself to say no and cut out any excess spending. I cut out EVERYTHING. No Restaurants. No extra coffee stops.…

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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 Have When Trying To Pay Off Debt!

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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Making Money

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

I have posted about Ebates on my social media a few times, but I finally wrote an in depth review of it!

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. I saved a ton of money using Ebates with my Christmas shopping, but there are also a ton of other ways to save on Christmas as well! 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? What is Ebates? Ebates is a website specifically designed to advertise coupon codes and discounts while you are shopping online. They also provide a cash back incentive for shopping through them. Coupon Codes When you go to an online store, you can see all of the active coupon codes for a store.Some may be 20% off or Free Shipping. It tells you exactly what and how much, plus the offer code. You can still use them on top of your store cash back! There are always tons of coupon deals that go unused because they aren’t well known. Ebates finds those coupon codes and shares them for that extra savings! Store Cash Back…

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