Saving money is hard. It's so much easier to get paid every week, treat yourself to lunch and a fun night out with friends, and then wonder where all your money went come Monday. But if you really want to know how to stop being broke, you're gonna have to make some changes to your routine. Frugality is not sexy or easy, and it doesn't come naturally to many people. Spending money is fun! And when you have a taste for the finer things in life, trying to find good deals is not really on your radar. Eventually though, all that spending catches up to you. How to Stop Being Broke 1. Decide You're Sick of Feeling This Way The only thing that's really going to lead to lasting change is getting sick enough of feeling stressed out all the time over money. If you're reading this article, I'd say it's safe to assume you're getting pretty darn sick of it! Hold on to that feeling. Remember it even when you get paid and have some money in your account. Get sick of living with the stress ... View Post
How to Quit Living Paycheck to Paycheck for Good
It's time to say goodbye to the paycheck to paycheck life forever. If you're sick and tired of the stress and the late payments and the overdraft fees that come each month with this lifestyle, then it's time to make some changes. This won't be easy, but it will be worth it! The good news is that most of the time this problem is fixable by getting tough and changing your mindset. Follow these steps: 1. Make this your one and only priority Decide that breaking free from the paycheck to paycheck style is more important than anything else right now. This means that it's more important than Friday night pizza, buying any new clothes, or grabbing lunch in the drive thru. If you really want to stop living paycheck to paycheck, and you've only got a little wiggle room to work with, then you've got to give it your all. If you do it right, you won't have to sacrifice for long. 2. Do some highlighter budgeting Highlighter budgeting forces you to analyze your past spending, and be ... View Post
4 Steps to Start a Side Hustle and Start Earning Your Own Money
Your paycheck comes every week (or two weeks, month, or whatever) right on time. But how would it feel to get some extra cash on a random day between those checks? That's what working for yourself (or on your own terms) can do. You decide when you work, how you work, and ultimately how much extra money you make. "Sure that all sounds nice" you're probably thinking "but how do I actually earn that extra money?" That's what I want to chat about today. There are TONS of ways to start earning your own money. So if you want to start a side hustle, you don't have to do something you don't want to just because you think that's the only way. When I think of earning extra money the first job that pops into my head is a waitress. I know many servers and bartenders who make good money (some more than I do) and they only work part time. But if you hate the thought of working with food and dealing with customers, then that's OK! There are so many more options that will work for your ... View Post
Should you start a blog? Ask yourself these four questions.
This post contains my affiliate links, so if you end up making a purchase through one of my links I may earn a commission for referring you A few years ago I was scrolling through Pinterest like usual, when suddenly it clicked what I was really seeing right in front of me. Blogs. Blogs everywhere. I started to really pay attention to what the blogs looked like (their "design" I would call it now.) I also paid closer attention to the writing, grammar, links, etc. I thought, "If these blogs that don't even look that good can get thousands of shares on Pinterest, I can do this too." I really hope that doesn't sound cocky -- I just meant that if these blogs that I saw with not-so-pretty designs and bad grammar could make it out in the big world of the Internet, then my perfectionist self could start a blog too and maybe make one even better. So I did just that--I started a blog and quickly fell in love with blogging! You might be wondering if starting a blog is right ... View Post
7 Totally Do-Able Ways to Save Money
Note: This post contains affiliate links. Sick of seeing all your hard-earned money go down the drain when you KNOW you should be saving money? Here are seven totally do-able ways you can save money today to add some more money to your debt payoff, contribute more to the savings account, or just free up a little wiggle room each month. 1.) Try a TV alternative. My husband and I have been cable free for about three years now, and we haven't even missed it! We picked up an antenna to watch live, local TV (I didn't even realize this was a thing!) and aside from the price of the antenna, it's completely free! We get about 10 channels, which include ABC, Fox, and NBC, so we can still watch a lot of the prime time shows we love. Here's one from Amazon, or you could just pick one up at Walmart next time you go. Another service I've enjoyed is Vudu through our SmartTV. We've used this to rent and stream movies, and we've even bought a season pass to a TV show that let us watch the new ... View Post
Debt Sucks! How to Quit Credit Cards For Good
Open your wallet. How many credit cards do you have in there right now? Think about the limits each of those cards have. Is it $500? $1,000? $5,000? Now think about your bank account. Is the balance in your account anywhere near the limits on your credit cards? If you're anything like me, my checking account has nowhere near the amount of all my credit card limits. I'm sure you have the best of intentions with those cards. You signed up to get the bonus reward points, to have a back up in case of emergencies. But how often do you really swipe that card? You know your weakness. Is it the shoe department? The newest makeup palette from your Instagram obsession? The reality is, it's so much easier to swipe (or type) a credit card than it is to use your hard-earned money from your bank account. With a credit card, you can buy now and worry about it later. Even if you have the money sitting in your bank account, it's still easier to use a credit card instead. ... View Post
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