Food, Money

13 Things to Do to Avoid Fast Food

Fast food is the hardest part of almost every budget. It is usually where I go over every month. Most of that is due to poor planning. Here are 13 Things that I do that make it easier to say no to fast food!

Fast food has become the meal plan where homemade meals once stood. Many families who once ate at the dinner table for every meal are finding themselves sitting in a fast food drive thru between school and soccer practice. Or maybe it is midnight and you still haven’t eaten anything, so the answer is to get food on the way home from work! I constantly struggle between not having enough time to cook and not having enough money to eat fast food every day. I refuse to eat out often, especially since I am trying to become a healthier me in the midst of My Debt Free Journey.  While trying to live a rice, beans, and ramen lifestyle, I am also trying to lose weight and get my butt back into shape. It hasn’t been easy, let me tell you. Throughout my journey, I have found myself working out more (because it is something free to do). When I workout, I don’t want to eat fast food all of the time because it doesn’t make me feel great. I fuel my body with better foods when I can. One of the best things I have done is cut down on fast food. The drive thru very rarely means anything healthy and it usually adds up fast. Every time I talk to someone who is struggling with their budget, it usually boils down to spending too much money eating out, when money should be going elsewhere. If you spend even $5 a day on miscellaneous food, you could unknowingly be spending over $1,800 a year on it. That isn’t including the actual times when you eat out for special occasions or with other people. According to Reference.com, Americans as a whole spend 384 million dollars a year on fast food alone. That seems absolutely outrageous! Here are 13 Tips to Start Avoiding Fast Food Like the Plague. Make the choice not to eat it Being intentional about anything can help you reach any goal whether it is physical, financial, or mental. Deciding that you just aren’t going to eat fast food is…

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Budget Tips, Money

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

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. Didyou 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. Here are my 7 steps to start paying off your debt: 1) Read Total Money Makeover You can start your journey without this step. I actually tried it a few times before without actually reading the book. But let me tell you, once I read the entire book in just a few days, I was hooked. I couldn’t get enough…

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Debt Free Journey Reports

July’s Debt Free Journey Report

I spent July trying to scrape by with debt payments, but I would say that it seemed to workout okay for me this month! Here is how I paid off $1000 in debt this month!

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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Holidays, Money

4 Ways to Save Money on 4th Of July

4th of July is one of my favorite holidays, but it can break the budget before it even starts. Here are 4 ways to save money on the 4th of July!

I absolutely love the 4th of July! In fact, I don’t know a lot of people who don’t like it. It summarizes everything that I love about America. Friends and family coming together to eat some great grilled food and drink some beer while lighting stuff on fire or blowing it up. What about that statement is there not to love? Unless you might be a nurse or doctor. Then I could see where it could be a gray area. As a child, I have a ton of memories of blowing up McDonald’s toys or plastic army guys. It was a blast, but as a child I never worried about the amount of money I was setting on fire. Literally. As I get older, blowing up fireworks has become a lot less fun. I usually join in on the fun for a little while, but it isn’t necessarily as fun as it was as a child. Anyone else agree? In 2017, I decided not to spend money on fireworks, but instead enjoy the fireworks of others. As I was continuing through my Debt Free Journey, it just wasn’t in my budget this year. I have spent most of my weekend reading some great books and working on some writing. I spent a few days by my apartment pool and enjoy the local flea market on the morning of the 4th. In 2018, I went to a local baseball game on the 3rd to watch fireworks, but I actually closed the restaurant on the 4th. Now that I am debt free and a homeowner, 4th of July does look a little different for me. My new neighbors have invited me to their BBQ and I guess it is a pretty big deal in our neighborhood. Whether you throw a big party or just hang out at home with the family, the 4th of July can get expensive pretty quickly. The fun and excitement can mean spending a little or a lot more than you have budgeted for. Unless you planned ahead for a huge 4th of July Bash, the chances are…

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Debt Free Journey Reports

June’s Debt Free Journey Report

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 $14 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 else, so someday you can LIVE like no one else.” – Dave Ramsey

Debt Free Journey Reports

May’s Debt Free Journey 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 $14 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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Money

8 Things I Learned From NOT Spending Money

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.  During the Month of April, I spent almost no money. I feel like I did great on my no spend month compared to what I expected. I didn’t pay off as much as I hoped I would have, but it was still super exciting to push myself to get creative. The whole debt free journey has taught me a lot about what is important to me and what I can live without. I think the thing it has taught me the most is that no great journey is ever as easy as “just the numbers.” I can make my spreadsheet with my budget look fantastic, but it is all about when that paycheck comes in and how I handle it. 8 Things I have Learned by Not Spending Money 1) I don’t eat out nearly as much as I thought During my no spend month, it wasn’t actually that hard to not eat out, but now that I am out of it, I have eaten out more in May than I would have all month if I would have just done it in moderation during April. It seems to go in spurts. Some weeks I am on top of planning and others I am not as good about it. Right now I am trying to get back off my binge from eating out because I have probably eaten out six times since the beginning of May! Eeek. I need to get back into the swing of things. My biggest struggle was probably planning breakfast. When I am on the go, I have very little time for breakfast in the morning, but it is a meal that I will not skip. I found myself giving in to breakfast on the way to work a few times during the month. Lack of planning really…

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Debt Free Journey Reports

April Debt Free Journey 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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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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