goals

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Welcome to 2018 – the year everyone’s hoping won’t be so much of a dumpster fire like last year. Politics aside, now that I’ve paid off the big credit card, I get to have a little more fun with my goals this year. To recap, my 2017 financial goals were: Pay off the credit card! DONE DONE DONE Build an emergency fund again NOT EVEN KIND OF Go 12-for-12 on sticking to my budget I GOT 50% ON THIS ONE So funny story, it’s hard to rebuild an emergency fund when you keep having emergencies. Losing my job. rather unexpectedly, moving, and my driver’s side window suddenly notRead More →

2017 goals

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So it’s 2017, and I’ve got resolutions just like everyone else. Except I’ve got a plan in place to actually turn my resolutions into reality by year’s end. But let’s start with a recap from last year. My 2016 financial goals were the following: Pay down my credit card (goal is to have it paid off by July 2017) Build an emergency fund (goal is to have $2500 saved up by the end of the year) Save for retirement (no real goal here for the moment…just contribute something each month to my Roth IRA) I did pretty well on them. I saved for retirement each monthRead More →

100 days challenge

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In: Money Challenges

Remember those resolutions you formed around January 1st? How’re you doing on them? I, for one, have failed hard at multiple of mine, and that’s what today’s post is all about. Today (September 22nd) marks 100 days until 2017! Crazy, right? This means you’ve still got 100 days to get yourself back on track with saving money, not spending money, eating better, and working out…or for me, all of the above. Here’s how it works: Consistency transforms behaviors into habits. Adopting good daily habits can only happen if you consistently engage in those habits every day. For the next 100 days, focus on engaging in oneRead More →

spending fast

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In: Money Challenges, Saving Money

It’s been six months since I started my spending fast journey. Honestly, it’s become pretty routine now. Not that I ever struggled to not shop, but I’ve realized how little I actually need. I’ve also realized my food budget (& not packing my lunch) is a far more pressing problem. Oh well, I’m a work in progress. Regardless, I’ve learned a lot in my six months of fasting. Here are six lessons for six months: Impulsive shopping is the worst kind of shopping. I haven’t broken my spending fast, and I’m pretty proud of that (though I did ask my boyfriend to buy me aRead More →

We Tried It

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In: Budget Beauty & Living

Stress can be a great motivator, but it can also be terrible for your health. I find there’s a very fine line for me between productive stress to get my finances under control, and hurtful stress that depresses my mood and health. Your health is very important, and during this stressful time in your life, we need to make sure we don’t neglect it. So this week’s post is a 7 day yoga mini-challenge. Boo-ya! #getexcitedRead More →

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In: Money Challenges

I spent money. I know, Jensen, I know. It wasn’t much but it was something I could have waited to buy and was not set forth in the law of my budget. But self-compassion and all that. I made a mistake, it happens. I had a moment of weakness and now I know I need to change my strategy. (And no, beating yourself up about things is not a good strategy.) New strategy: wait to buy. I got out of the habit of saving for purchases, and now it’s time to get back to it. If I see something I want (but don’t need) I willRead More →

Yakezie challenge

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When my sister and I first started our blog, we wanted to create a place where we could journal our way through debt repayment. We wanted somewhere to chronicle all the ups and downs that come with being swamped with debt and trying to pay it all off…while also being twenty-somethings. We also wanted people to read our stories. Because of all of this, we’ve decided to join the Yakezie Challenge. So, we joined something that sounds bizarre, and now we have a fun Yakezie badge on our site. What’s changing you might wonder? Absolutely nothing. This blog will still be two sisters living theRead More →