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…

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Debt Free Journey Reports

October 2018 Debt Free Journey Report

October held all kinds of surprises for me, but it was still overall a good month! Find out how I had $600 worth of unexpected expenses and still put over $1,115 towards my last student loan!

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 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. But, 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). There were two or three that showed up that month. For that 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 even went on vacation using mostly my credit card. I had racked up a pretty decent amount of money on my credit cards and started picking up extra 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…

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Debt Free Journey Reports

September 2018 Debt Free Progress 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 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. But, 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 that 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, but it…

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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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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.

Debt Free Journey Reports

September’s Debt Free Journey Report

I know October is going to be a great month of paying debts off. This month I will pay off my smallest student loan! Find out how September went!

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.…

Read More Here..

Money

Week Three: NO Spend Month

The farther that I get into the month, the more I find myself slipping up or at least considering it. Week Three was way harder than I expected it to be. I clocked out with 66.85 hours this week. It was a STRUGGLE because I was so tired by Sunday. Sunday’s are usually my organization days, but I had a lot on my to do list. I still needed to drive back to my parents. Meal prep, go to the gym, and get some stuff done for work. Good News for the week: My dad fixed my brakes on my Jeep, so all is great! I am finding it harder and harder to stay motivated to keep up with my writing. I would rather be writing than working a billion hours, but I am also working some extra hours to pay off my debts. I can’t wait to get into a routine where everything actually works out, but I am slowly working on it! This week I learned a lot about staying organized and prioritizing when it does come to my free time. I also learned that after 13 hours at work, I have very little will power when it comes to food. SPENT DURING WEEK FOUR: Super Saver Groceries   $  31.15 Sam’s Club Gas:       $ 25.00 Additional Gas: $10.00 Total: 66.15 Spent this week 16.15 Over Budget Paid Off: Student Loan #1: $104 Jeep: $77.88 Total Debt Paid Off This Month: $1,088

Money

Week Two: No Spend Month

  The holiday and work made week two a little hectic, but I am finally sitting down to get caught up! Have you ever had something totally unexpected happen and it was completely out of your control? Well Sunday while I was at drill, I get a call from my roommate asking me if I paid the water bill. Yes. I did. She tells me that the water isn’t working in our entire apartment. I ask her to check with the neighbor and sure enough the entire complex is without water. I get home that night. The weather is warm for this time of year and we have nothing cold to drink in the apartment. I met with someone at Target to sell an item from one of the Facebook For Sale pages. As soon as I got that money, I went into Target to get a gallon of water (which I am usually against buying water, but it had to happen). As I was walking to check out, I saw cake mixes for $1 and frosting for $1.50. I gave in and got the supplies for two cakes. Brittney and I spend our water-less evening making cakes. While I still count it as part of my grocery budget, it definitely wasn’t the kind of spending I had planned. It was so worth it though. It gave us something to do instead of complain about the lack of water in our apartment and we spent most of the evening laughing in the kitchen. I managed to make it through the drill weekend without spending money on lunch or any other food cravings. That being said, I have a long list of restaurants that I can’t wait to eat. One major lesson I have learned from the No Spend Month is that you don’t have to give into your food cravings. The other night, I desperately wanted Taco Johns. I didn’t give in. Instead I went home and used some chicken to make chicken tacos and I happened to have tater tots in the freezers. What could have cost $8-12 for…

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