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.…

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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

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

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. 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…

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37 Free Things To Do Instead of Spending Money

I have officially started my No Spend Month and free things have officially become my best friend! It is already a little harder than I expected, but I know it will be great!  It definitely requires more organization and planning than I am used to! Especially working two jobs some days, I diligently pack the night before to make sure I have the things that I need for the entire day. I know that I am working most of the month, so I will not have a whole lot of time to be bored, but if you are completing a No Spend Month (Or even just a weekend!) there are a ton of great things to do with your time. During a No Spend Time, you don’t have to sit and be miserable! I encourage you to do things that you don’t get to do very often and make the most of you time! Don’t sit around thinking about the things you could be doing if you were spending money! The more you find to do that is fun, the less you will think about spending money!

5 Rules To Make the Most of My No Spend Month!

Have you ever looked at your spending and questioned why you even needed certain things? Why do I spend so much money on clothing/supplements/contacts or really just anything in general? I have started looking at my budget and questioning whether I really need to spend money on some things. I don’t honestly buy clothing very often, but usually when I do it’s pretty costly. Other bloggers plan for a no spend month to reset their budget and get back on track. So much reading has gone into the planning for this month, but I am excited.  I am currently planning a No Spend Month for April. It is exactly what it sounds like. I won’t be spending any money during April. My budget for April is going to be strictly bills, a little for some groceries and gas.  I am not planning to put any money in any of my “extra” funds. During the month of April, I am working full time for the military as well as at Applebee’s 4 days a week. I am extremely excited about the money that will be coming in during the month of April so I decided that I wasn’t going to spend money on anything I didn’t need to. Having the military income will be such a nice addition, which makes it the perfect month to lock down and not spend any money. Usually, having this much extra income, I would be excited to be able to buy a few extra things that I have been wanting to get, but instead, I am going to really focus on sending every extra penny towards my debt payments! As always, I have audacious goals. My goal is to pay off a total of $3,000 in debt during the month of April. This is about 2 times what I have been paying off on a good month so far. I have been averaging about 900-1,500 on good month so far. I am tremendously excited to see how much I actually pay off by not spending money. My overall goal is to completely get rid of…

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