Money

Week One: No Spend Month

My first week of my #NoSpendMonth was GREAT! Read about how I spent less than $50 on everything I needed this week!

Week One of my No Spend Challenge was not nearly as hard as I thought it was going to be. I had a few ups and downs as I expected, but I really think I excelled all week! Thank goodness for my Instagram #debtfreecommunity. HUGE shout out to The Budget Awakens and Frugal Desperado for doing this challenge with me! All three of these have been amazing sources for me when I wondered if this challenge was really worth it! Buying supplies for my no spend challenge The few days before, I spent $21.43 at Super Saver getting chicken, fruit, veggies, and other stuff to make for my meals this week. Then I spend $25 at Sam’s Club getting enough toilet paper to last through the apocalypse and coffee creamer for the rest of the year. They were both killer good deals and I won’t worry about needing them for a while so I am not constantly using my small budget this month to buy items. (Update: I bought the toilet paper in March and I still have a ton left in August. My coffee creamer lasted until July.) I put $25 worth of gas into my Jeep! Gas is probably going to be the hardest part of this month because it doesn’t really matter if I go over budget, I have to go to work. That being said, I have been trying to monitor how often I am driving places and if I can make multiple trips into one instead of driving all over town! Most of my driving is to and from work and the gym. I had to buy more pre-workout and ended up spending $90 at Max Muscle (They still gave me a killer deal) for some pre-workout. BCAA’s are good for sore muscles and recovery. Since I have been insanely sore after my last few workouts, I decided to give it a try. I had a little bit of money in my supplement fund. While it was an impulse, it was worth it to get me through week one. Week One of my No Spend Challenge! I think I…

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Food, Money

The Number One Grocery Shopping Secret to NEVER Going Over Budget Again!

Are you constantly going to the grocery store, dropping a ton of money, and wondering where it went! This is the grocery shopping secret that will save you tons of money on your budget!

  I love to eat.  I will be super honest about it too. 90% of my day is spend eating or planning out the next time I am going to eat. When I am on a good workout routine, I eat every 2-3 hours. This means that groceries seem to be a never ending expense and it gets old! I honestly feel like I go to the grocery store 2-3 times a week, but I know it isn’t that often. I can’t believe how often I have to go back to the store to get one thing or another. It is so easy to drop $100 at the grocery store and walk away feeling like you barely have meals for the next week! Also, you probably forgot the one main thing that you went to buy from the grocery store. Does this sound familiar? One thing that helps is that I attempt to only go to the store once a week. Even though I try to make it in the fewest trips possible, it can get so expensive if I am not paying attention to what I am putting into my cart. I try to always go with a list so I know what I am going into get. Along with anyone trying to save money, I have read over so many “Save XX amount on groceries” articles. So many that I can hardly remember most of them. I slowly started saving money, but it wasn’t until I started waitressing that I actually realized the best way to save money. Groceries is always a struggle because it is an essential purchase. We can’t just stop eating, but it is expensive. Whenever someone is looking for budgeting advice, they are usually asking for ways to cut grocery costs. It is one of the easiest things to spend money on, but it is also one of the easiest places to cut from as well. Here is my #1 tip to saving big on grocery shopping! STOP taking your debit/credit card into the store You are probably thinking that I am absolutely crazy…

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Millennial Stuff

All About This Sagittarius Stuff

  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.”

Money

6 Reasons I Still Waste Money On My Gym Membership

Gym memberships are the biggest fought over piece of 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. It even topped the list for my 14 things that I Waste Money On. 1) 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. I have started lifting in the past few months and I actually really enjoy it. In high school, I used to run as a stress reliever. I would just lace up my shoes and take off with my Ipod. . That may be because when I was in high school, every little stress meant the…

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Uncategorized

My Journey Towards Minimalism: Getting Rid of My Clutter

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.

Debt Free Journey Reports

January Debt Free Progress Report

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.…

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Money

How I Plan to Pay Off $34,000 In Debt In 12 Months

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.

Blogging

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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Millennial Stuff

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.