Budget Tips, Money

5 Bank Accounts I Use to Keep My Money Organized

Having separate bank accounts at different banks may seem complicated, but it is one of the best ways to keep your money organized and where it needs to be!

I remember the very first bank account that I set up. It was right after the County Fair. I was 10. If you aren’t a farm kid, the county fair doesn’t mean much to you, but I was a 4-H kid. I got a “premium” check for entering projects into the fair. Ten year old me was so excited. I had just started my paper route as well so that meant more money for me. I had two of my very first paychecks to take to the bank. My mom took me to the bank to open my very first savings account. I was beaming with pride because I was 10 and I had my very own money to put into savings. This is probably where my love of savings started. I remember going down to the bank with my money in my hand. The teller took us back into a cubical where my mom wrote down a bunch of information. Then we sat in the cubical for what seemed like forever before they took the money to put into my account! We finally walked out of the bank and I had a savings account. I still have that bank account, but I have quite a few more now than I did then. Now almost all of the banking is online and almost every bank has a phone app!  It takes 10-15 minutes to open a bank account online if you have all of your information handy! Opening a bank account has become drastically easier since I was 10. Everyone has different accounts that work for them, but these are the 5-7 that I recommend to keeping your money better organized. There are pluses and minuses to different banks. Remember to keep each bank account information accessible, but safe. When you start organizing your money and give each account a specific purpose, you might even find that your money stays in that savings account longer! There are no maximums of the number of bank accounts you can have, but there might be a max number you can have at a…

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Money

37 Free Things To Do Instead of Spending Money

Free family friendly things to do are sometimes hard to find. During my No Spend Challenge, I am attempting to come up with multiple things that make not spending money easier. Do you have a favorite that isn't on this list?

    I have officially started my No Spend Month and free things have 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!

Debt Free Journey Reports

March Debt Progress Report

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! 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. 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. There have been days were I have completely questioned my sanity. I sometimes wonder why I don’t just make minimum payments forever like everyone else. “Sometimes, you have to like like NO ONE…

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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.