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Living Your Best Life on a Budget

This post may contain affiliate links. Check out my Disclosure Policy for more information. The first thing everyone thinks when they hear budget is being restricted. I know for myself at 22 when I thought about creating a budget I thought I’d never get to do anything, since I’d be on a budget. The reality is that this just isn’t the case. Budgeting is simply managing your money, it doesn’t mean you need to hole yourself up at home! Your budget will set you free to spend your money because you will know exactly where your money is going. By following these steps, you will find ways to also live your best life while still keeping to your budget. 1. Determine what you value. I am a firm believer in spending money on the things that you value. Track your spending for a month and see where your money is going. Which purchases were needs and which were wants. From your wants, what do you truly value, what brings joy to your life. This is obviously different for everyone! Whatever it is that brings you joy, make sure you include that in your budget. The things that you could go without, cut […]

How to Manage Your Time

Time management is something that I struggled with for awhile, especially when I have a lot to do. It can be really easy to get overwhelmed by everything and just do nothing. Sometimes that just isn’t an option and we need to get things done. Now that I am a teacher, blogger, and work multiple other side jobs, it requires me to manage my time very well. If I don’t, nothing would get done and I’d suffer in other aspects of my life. For example, if I don’t plan to meal prep for the week, I can guarantee you I’m eating Ramen noodles for dinner. In order to make everything work nicely in my life, I have to manage my time and I do this in a few different ways. 1. Write out everything you need to get done with your time. I am terrible at remembering things, absolutely terrible. If I don’t have everything listed out somewhere, it isn’t getting done and definitely is getting forgotten. I know this about myself though and that’s why I have everything written out. By seeing everything in one place, I am able to see the tasks that I need to complete. This […]

How to Financially Prepare for a Move

If you’ve been following my journey since the beginning, then you know that I graduated in 2015 from my graduate program and moved back home to my parent’s house in New Jersey. This was basically a necessity because my minimum student loan payments were going to be $2,000 and my income was going to be about $3,000/month for 10 months of the year, check out my post here about paying off debt on a 10 month salary. The numbers just wouldn’t add up if I moved out, especially not in New Jersey and the cost of living. So, I headed back home and have been living here every since aggressively paying off my $201k in student loan debt. Of course, I don’t plan to stay here forever, but it has been a wonderful way for me to get ahead in my student loan payoff that would not have been possible otherwise. I never would have been able to pay the amount I have if I was paying for rent every month. Now that I have paid off a significant amount of debt, I am planning to move in the near future. This means that I will have new expenses to […]

Why You Need an Emergency Fund

Emergency funds are the key to financial success and really the only way you have a chance of changing your ways. Most people currently don’t have an emergency fund and utilize credit cards when Murphy shows up at your door. But, there are other ways to deal with the unexpected and you don’t need to fall back on credit cards for it. I strongly believe that everyone needs an emergency fund and a budget. Without these two things, your finances are going to be a disaster. That might seem dramatic, but I find so much truth in it. Without a budget, you have no idea where your money is going. You aren’t working on any kind of short or long term financial goals and you’re ultimately not in control of your finances. Without an emergency fund, you have nothing to fall back on in the event of job loss, car troubles, house repairs, etc. No matter how well you’re doing with paying off debt, in the event of an emergency, you will be stuck falling back on some sort of debt to get yourself out of the unexpected. By utilizing the two, you are setting yourself up for success in […]