Category Archives: Money Talk

Learning how to get the most bang for your hard earned buck!

How To Stay Motivated With Your Financial Goals

April 24, 2017

It's hard to keep momentum going when you are working towards financial goals. In this post I'm talking about three different ways to stay motivated with your financial goals.

A couple weeks ago I sent out an email asking you guys what other blog posts you would want me to write about. This topic was one of the most asked for posts! Which, is completely fine by me because I can totally relate!

I think we all know the feeling of starting out on a new goal. You’re excited, hopeful and ready to work your butt off to get there! Much like running a marathon you start out going strong but then somewhere along the 5th mile you realize you still have a long way to go and you’re legs are already tired.

It’s at that point in running the race, that you can start to feel really hopeless. You see people ahead of you, then people that were behind you running ahead, and all the while your legs feel like they are going to give out at any moment.

It’s in those moments that you might want to quit, throw in the towel, turn around and head towards the nearest place that serves fries (or in the real life financial marathon go drop a hundred on some new clothes). But those moments are actually really important to have because in those moments is when the marathon really starts. continue reading

Three Mindset Changes For Minimal Spending

April 17, 2017

If you want to change your spending habits you need to get into the right mindset. Let me help!

If you haven’t read my post What I Learned From A Year Of Minimal Shopping I talk about just what the title says. I went a year without spending any real money on shopping. I didn’t set out to do it, it just kind of unfolded into over a year, but I learned some things that I share with you in that post.

However after sharing that post I realized I had more to say, specifically more to tell you guys about how wrap your head around and get started minimal spending. So I decided to write today’s post on mindset shifts you’ll have to change or go through in order to be successful at becoming a minimal shopper.

I hope it encourages you and you have an opportunity to challenge yourself to make some changes! continue reading

Back To Basics: How To Cut Back On The Necessities

April 10, 2017

Feeling like your paying too much for your basic needs and not sure how to cut back? Click through to read about how to not overindulge and cut back on the necessities!

As a culture we tend to want more. More time. More money. More things. We dream up the perfect life where we wouldn’t have to wait around for anything and we could have as much of whatever as we wanted.

The problem with that way of thinking is that when all you want is more, you can never be fully satisfied. Once you reach that “more” you wanted, you just want more of something else, and so on and so on. We have also started to take the basic necessities and over indulge them so much yet still believe it is in fact still a necessity, which in my opinion is one of the biggest mistakes we can make.

So today I wanted to talk about this! So, I’m taking it back to basics and explaining in detail what our actual necessities are for our lives and how you can or may already be turning them into extravagant wants veiled as necessities in hopes that you learn how to cut back and remember to be grateful for what you have.  Let’s do this!

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What I Learned From A Year Of Minimal Shopping

April 3, 2017

Want to learn from my experience of minimal shopping without having to do it yourself? Or want to challenge your spending habits? Click through to read all about it!

This time last year my husband had just left a job that had been paying him prevailing wage. Our budget was already smaller than it really needed to be because we were still saving for a house, but once that income was gone we decided to minimize our spending even more.

The main thing we did was cut out our “shopping budgets” which was essentially $25 a month we both were allowed to spend however we wanted. (I broke down how I spent my $25 in a couple of posts here.) Once he left his job we decided it would be better if we cut that extra unnecessary spending out and focused on only buying what we needed or had to buy.

At first I was pretty sad. I agreed we should do this but I also hated the idea of not being able to buy any clothes for awhile (My $25 was most predominately spent on clothing!) and mourned the loss of Saturday afternoons spent thrifting.

Though I still wish at times I could go and spend a little dough it’s been about a year now of living this way and it actually has completely transformed my perspective on money, shopping and spending in general. I’ve always been cheap or “money savvy” but going to minimal spending has really challenged everything I thought I knew about money. I decided today that I would delve into those changes and what exactly I learned from this year in hopes to either encourage you to do the same or give you the insight I learned without you having to go a whole year. Because, I’ll help a friend out! ;) continue reading

How We Spend Only $30 A Month On Household Supplies

December 8, 2016

Our $30 budget for household supplies is detailed in this post. What we spend money on, how often and how much!

My last post I decided to divulge all our secrets about how my husband and I only spend $200 on our food every month. I know you guys love it when I post details of our finances and I’m pretty much an open book so I decided to do it again in today’s post and talk about our household money.

Today I’m going to share some of our ways with you of how we manage a $30 monthly budget for all of our household items! continue reading