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.

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

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! Thank you! You can read more about it in my Disclosure Policy. 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.

Gym Membership: Why I Still Have Mine Against ALL Financial Advice

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.

Why Travel Blogging is Not For Me: And What It Took To Realize That

Many of my followers and Facebook friends have watched me move from one blog to another. Some saw me while I was a struggling high school writer that had no direction in life (as if I have any now). Most of my Facebook friends saw me as a travel blogger.  I LOVED travel blogging,  exploring new places, and the continuous adventure. It was always exciting to plan my next trip. Traveling by myself took me out of my shell and forced me to be someone different than what I was used to being. It took me through the ups and downs of traveling. From smiling and laughing at all of the new, beautiful places I had discovered. Then to crying in a smoky hotel room because I was alone in the middle of nowhere and my mom was going into surgery at noon the next day and I was 2,000 miles from home. Solo traveling was probably one of the greatest experiences I will ever have and I hope to do it again in the future.  Traveling is something that I want to continue to do constantly. It forced me to grow tremendously as a person. If I have kids, they will be well traveled from a young age. I truly believe there are things you learn from traveling that cannot be learned any other way. I still love traveling. What I didn’t love were the costs and sacrifices that comes with travel. I am not only talking financial costs. Money is a big part of the reason why I am putting on a new hat. Financially, I need to get a lot figured out before I do more traveling. I carelessly spent well over $3000 on travel expenses this year when I have $34k in debt that needs to be paid off.  I am currently taking Dave Ramsey’s class AGAIN. But bigger than the money, the ultimate reason is something mentioned above. My mom found out she had kidney stones and was going into surgery the next day. Meanwhile, I was in the middle of nowhere, Utah (literally).  While…

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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.