• Budgeting

    How to Budget in 5 Easy Steps + FREE Template

    Yes, today we’re going to be talking about the B-word… Budgeting! It’s not a bad thing, although many people start off their financial journey thinking that it is. So let’s start at the beginning… What is A Budget A budget is many things but simply put a budget is a spending plan for your money. In order for your budget to be truly effective, you need to compare your projected budget (what you thought you’d spend) and your actual budget (what you spent). Let’s Budget . . . 1. Write Down Your Income Make a note of all your sources of income and how much you expect to bring in…

  • Books,  Reading Challenge

    2020 Reading Challenge

    Another one of my 2020 goals is to learn more and read more. I’ve seen the Life-Changing Books graphic on my Instagram timeline for a while now and decided that 2020 was the time to tackle this amazing list of books. I have a bit of a headstart since I already own a couple of the books however, they are sitting on my bookshelf/kindle unread facepalm You see, I’m what they call a book hoarder – when I walk into a book store 9 times out of 10 I’m leaving with a new book. As you can see, this is a pretty impressive lineup. Going into the challenge I have…

  • Debt Payoff

    Dave Ramsey’s Baby Steps

    Today we’re going to go through something that I heard about non-stop when I joined the #debtfreecommunity three years ago – Dave Ramsey’s 7 Baby Steps! These steps are a great place to start for those who have recently decided to take control of their finances and don’t know where to begin. Let’s jump right into Dave Ramsey’s Seven Baby Steps: Baby Step 1 – Save $1000 Uncle Dave’s very first step is to save $1000 in an emergency fund. You may be asking, “Emergency Fund? What’s that?!” Fear not, an Emergency Fund is nothing more than a stash of money set aside to cover unexpected financial surprises. The truth…

  • Goals

    2020 Goals: New Year, Same Me, Bigger Goals

    This year I struggled with my goals. Why?! Because, on one hand, I felt as though I was being too ambitious based on past performance and on the other hand I felt as though I wasn’t pushing myself hard enough. Eventually, I decided to take my “feelings” out of the picture and focus on the things that would have the biggest impact on my finances and other personal goals by the end of 2020. This is what I settled on. Goal #1 – Pay down $15,000 in debt.This number is a bit of a stretch for me, but it’s made up of minimum payments and planned debt snowballs. Goal #2…