Category Archives: Motivation Station

Student Loan Debt: 5 Things I’d tell my Pre-Graduate Self

According to a study conducted by The Project on Student Debt, 7 out of 10 college seniors who graduated last year left with more than a new degree–they also acquired an average of $29,400 in student loan debt. That means 70% of college graduates enter the workforce with a net worth that is in the negative because of their student loans. That. Is. Crazy. I was lucky enough to complete four years of college without acquiring any student loan debt thanks to an athletic scholarship and super amazing parents that were able to chip in to cover the rest. Then came graduate school a few states away from my home and with that–unfortunately–I hopped on the student loan debt bandwagon and found myself with a Master’s Degree and $60,000 student loan debt!

Obviously I can’t (and wouldn’t) want to go back and change everything. I LOVED moving to a different part of the country and exploring an environment outside of the one I had lived in for the past 22 years. I LOVED the people I met, the graduate program I went through, and the experience I had. After living it, I can’t say that I would hop in a time machine and make a drastically different grad school decision if the option was there–even to get $60,000 of student loan debt off my chest (gol’ darn emotions and memories). However, looking back with my wise and student loan debt ridden eyes, I can say that there are definitely a few things I wish I would have done a little bit differently…

1. “Budget”: I have always been pretty good about money. I’ve never been a frivolous spender or someone who had no concept of spending less than what you earn, but I didn’t completely understand what a “budget” was. I thought I was on a budget because I KEPT TRACK of what I was spending AFTER I had already spent it. For example, one month (during football season) I spend over $400 on going out to eat, bars, and beer and didn’t know it until AFTER I had already spent it. My thought process was, “Well next month I’ll spend less”. I didn’t always stick to the plan to “spend less” because I was missing the key concept of a “budget”…I didn’t dictate HOW MUCH I was actually going to spend. Keeping track of what I was spending was a starting point, but it didn’t stop my money from disappearing without me knowing where it went.

Tailgating pics

Tailgating could have been my second major ;-)

2. Get a Job. I go back and forth about this one all the time. I was in a program that was more than a full-time job commitment between classes and clinicals, not to mention homework and studying. I had actually applied to 17 jobs during my first semester (and got calls back from a few), but I was living in a college town and just didn’t have the connections I needed to work in the bar and restaurant industry. I felt like bars and restaurants were the way to go since you take home cash that night and can easily make more than minimum wage. Scheduling was a problem because I wasn’t finished with work or clinic until 5pm or later most nights and restaurants wanted me there earlier to begin the dinner service. All excuses aside, between my schedule and my mindset at the time, I should have gotten some sort of job to create some sort of income.

3. Find another way. This is controversial. Dave Ramsey says, “Don’t loan money to family. Give it as a gift or don’t give it at all”. I definitely know that philosophy is completely correct, but I wish I would have tried asking grandparents and parents for some sort of “loan”, even if it was loaning me the money to buy my books each semester or helping me pay my rent each month. I don’t know if this actually would have happened, but if you have family members that have extra money and want to “invest” in your education, ask if they want to loan you some money (you can both sign a written agreement if it makes you feel better) while you’re in school and start paying it back after you graduate at a low interest rate. That way, they’re investing their money wisely (because we know you’re responsible and would pay them back quickly ;-)) AND you don’t have to eat 7% interest from DAY ONE! It’s worth a try!

Beach Pics

I couldn’t believe I lived so close to “the sea”!

4. State Schools. This one is SO hard for me to put on here, because I didn’t do it, and wouldn’t do it if I had to do it all over again. I loved the experience that I had, but if you’re someone who’s looking to go back home or stay near home (or in the same state), a state school is the way to go. Most of the time they are great schools and cost way less per month than most others (aka a great value).

5. Work/Study & Internships. This is an easy way to “make money” or get cheaper tuition without a scheduling conflict. Most work/study programs are within your program or will work with your program to make sure your hours don’t conflict with academics. Internships are usually within your program and can range from simple to very involved. Not only are these great ways to make extra money, but it’s a great way to make connection and meet awesome people!

Graduation School Pic

Celebrating the end of an amazing (and extremely difficult) two years!

Have you learned any lessons about finance recently?! Follow the “Reply” link at the top of this post to share your thoughts with me and Brittany! If you could reach out to your pre-graduate self to give advice about student loan debt, what would you say?

Student Loan Debt: 5 Things I’d tell my Pre-Graduate Self can also be found on the Financially Savvy Saturday Link up happening over at BrokeGirlrich. Be sure to click on the button below to head on over and check out all the other savvy posts!

brokeGIRLrich

Follow us on Facebook, Pinterest, and Twitter!

Follow on Bloglovin

Sam

My Life on a Budget: A Year in Review

 

Year in Review Sam EditionJust a little over a year ago Brittany and I decided to start Fun on a Budget Blog to document the outcome of 20-somethings trying to live well on a budget. We wanted to share our financial battles and triumphs as we fought the good fight against our debts and gave our best effort to keep living lives that kept us happy and excited to get out of bed each morning.  We had a few different purposes in starting Fun on a Budget:

First, we wanted to support other people that were in the same situation as us. Debt is one of those topics that most people are ashamed to talk about, so we knew that there were probably many silent sufferers out there that could use some help.

Second, we wanted to learn more about how to be better with money…and we have learned A LOT!! A huge amount of research and many conversations happen each time we prepare for a post, and from those actions new knowledge is gained.

Finally, Fun on a Budget Blog was a way to stay motivated to keep our focus and momentum strong because after all, paying off debt can be a long term and difficult goal to achieve. Fun on a Budget Blog has 100% fulfilled its role in being a tremendous motivator for staying focused on our end game of getting debt paid off as quickly as possible. Every month we sit down and write up an entire report about how much debt we’ve ditched or how much money we saved, and this gives us the opportunity to reflect on what we are doing well and what we need to start doing a little bit better. Don’t get me wrong, I do hope that people like our budget blog, and I hope that if some Googler stumbles upon it (probably on the 5th page of search term results, haha), that it will help him in some way—but at the end of the day, if I it’s just me, Brittany, and our moms reading the darn thing, we are okay with that. We’re okay with it because we truly enjoy not just living on a budget, but writing about it.

So, here we are one year later, and it just wouldn’t be right not to reflect on how being on a budget has impacted our lives, right? I must say that I originally assumed I would post about how my budget has impacted my debt only, but once I started taking a deeper look at all that has happened (or not happened) and changed over this past year, I realized that the debt numbers are only half of it!

Debt by Numbers: How Being on a Budget for a Year has Impacted my Debt

Year in Review Total Debts
In just one year I have cut the number of total debts I owe by 75%, went from having paid off one debt to having three fully paid loans under my belt, decreased nearly all of my debts to less than the original amount I was loaned (interest is the WORST), reduced my minimum monthly payments by $228.34 , and decreased my overall debt by over $18,000.

Income Distribution

From August 2013 to August 2014, my income was delegated into four different categories: debt payments, living expenses, flights (home and for trips) and savings. 42% of my income went towards my debt snowball, 43% was used for living expenses like rent and food, 7.5% went toward flights to visit family and friends, and the final 7.5% went into my savings account–which was primarily used for moving across the country.

Current Debt Comparatives YIR

The chart above gives a more detailed look of how being on a budget can have a significant and positive impact on getting rid of your debt.

 Yeah, Yeah, Yeah…So you paid off a lot of debt, but what else have you done??

Well, you might be surprised

One of the most rude frequently heard comments that comes out of someone’s mouth when he/she learns I believe in sticking to a budget is “Oh, I couldn’t put myself on a budget because I still want to do things.”  Give me a break…I was on a budget from August 2013 – August 2014, and I did A LOT of “things”.

During my first year on a budget I…

Fun Pics

And I did a little traveling too..

Travel Pics

The good, the bad, and the really really good

I would be lying if I ended this post with my fabulous traveling pictures and told everyone that being on a budget is all rainbows and ice cream cones all the time. It’s not. You aren’t idiots, and you already knew that.  I whined like a child when I had to miss friend’s weddings, wear running shoes that have holes in them, go hungry during happy hour, and had to start drinking water at the bar after I ran out of money (but felt pretty happy the next morning hangover free).

When you are on a budget you cannot do 100% of the things you want to do, buy 100% of the things you want to buy, or travel to 100% of the places you want to travel. You must pick and choose, but whenever I feel down about being on a budget, I remind myself that one of the most important and impacting choices I made in this past year was to LIVE on a BUDGET. Because that choice brings good things to me now—like paying off debt quickly and never bouncing checks—and will bring really-really good things to me in the not-so-far-future—like being able to save for retirement and use money to travel and celebrate in the present —the blips of “bad” that I’m experiencing just don’t seem so bad.

Brittany lived on a budget the past year too! Check out how she fared by clicking the link: Brittany’s Life on a Budget: A Year in Review

For more information about transitioning to life on a budget click on our“Getting Started” link in the menu bar at the top of the page, and get your free printable budget by visiting our “Materials” page.  We have a couple of options for you there.

But enough about me…I want to hear about your experiences on a budget–what works and doesn’t work? What are the best and worst parts of holding yourself accountable with money? Follow the “Reply” link at the top of this post to share your thoughts with Brittany and I!!

Follow us on FacebookPinterest, and Twitter!

Follow on Bloglovin

Sam

My Life on a Budget: A Year in Review

title pic

Just a little over a year ago Sam and I decided to start Fun on a Budget Blog to document the outcome of 20-somethings trying to live well on a budget. We wanted to share our financial battles and triumphs as we fought the good fight against our debts and gave our best effort to keep living lives that kept us happy and excited to get out of bed each morning.  We had a few different purposes in starting the Fun on a Budget:

First, we wanted to support other people that were in the same situation as us. Debt is one of those topics that most people are ashamed to talk about, so we knew that there were probably many silent sufferers out there that could use some help.

Second, we wanted to learn more about how to be better with money…and we have learned A LOT!! A huge amount of research and many conversations happen each time we prepare for a post, and from those actions new knowledge is gained.

Finally, Fun on a Budget Blog was a way to stay motivated to keep our focus and momentum strong because after all, paying off debt can be a long term and difficult goal to achieve. Fun on a Budget Blog has 100% fulfilled its role in being a tremendous motivator for staying focused on our end game of getting debt paid off as quickly as possible. Every month we sit down and write up an entire report about how much debt we’ve ditched or how much money we saved, and this gives us the opportunity to reflect on what we are doing well and what we need to start doing a little bit better. Don’t get me wrong, I do hope that people like our budget blog, and I hope that if some Googler stumbles upon it (probably on the 5th page of search term results, haha), that it will help him in some way—but at the end of the day, if I it’s just me, Sam, and our moms reading the darn thing, we are okay with that. We’re okay with it because we truly enjoy not just living on a budget, but writing about it.

So, here we are one year later, and it just wouldn’t be right not to reflect on how being on a budget has impacted our lives, right? I must say that I originally assumed I would post about how my budget has impacted my debt only, but once I started taking a deeper look at all that has happened (or not happened) and changed over this past year, I realized that the debt numbers are only half of it :)

Debt by Numbers: How Being on a Budget for a Year has Impacted my Debt

Debt by the Numbers-Comparison

In just one year I have cut the number of total debts I owe in half, went from having paid off zero debts to having three fully paid loans under my belt, decreased nearly all of my debts to less than the original amount I was loaned (interest is the WORST), reduced my minimum monthly payments by over $200.00, and decreased my overall debt by nearly $25,000.

Income distribution

From August 2013 to August 2014, my income was delegated into three different categories: debt payments, living expenses, and savings. Just over half of my income went towards my debt snowball, 37% was used for living expenses like rent and food, and the final 11% went into my savings account–which was primarily used for Christmas shopping and wedding savings.

Ind. loan progress

The chart above gives a more detailed look of how being on a budget can have a significant and positive impact on getting rid of your debt.

 Yeah, Yeah, Yeah…So you paid off a lot of debt, but what else have you done??

Well, you might be surprised :)

One of the most rude frequently heard comments that comes out of someone’s mouth when he/she learns I believe in sticking to a budget is “Oh, I couldn’t put myself on a budget because I still want to do things.”  Give me a break…I was on a budget from August 2013 – August 2014, and I did A LOT of “things”.

During my first year on a budget I…

what i did 2

what i did list

And I did a little traveling too…

travel2

travel list

The good, the bad, and the really really good

I would be a big, fat, dirty liar if I ended this post with my fabulous traveling pictures and told everyone that being on a budget is all rainbows and ice cream cones all the time. It’s not. You aren’t idiots, and you already knew that.  I hopped on the waaambulance a handful of times during my first year on a budget, for a variety of different reasons—missing the bridal shower and bachelorette of a bestie, missing the wedding of another, keeping my own wedding small, and no longer being Anthropologie’s #1 customer—are a few that really got under my skin and left me flustered for days.

When you are on a budget you cannot do 100% of the things you want to do, buy 100% of the things you want to buy, or travel to 100% of the places you want to travel. You must pick and choose, but whenever I feel down about being on a budget, I remind myself that one of the most important and impacting choices I made in this past year was to LIVE on a BUDGET. Because that choice brings good things to me now—like paying off debt quickly and never bouncing checks—and will bring really-really good things to me in the not-so-far-future—like being able to save for retirement and use money to travel and celebrate in the present —the blips of “bad” that I’m experiencing just don’t seem so bad. :)

Sam lived on a budget this past year too! See how she fared by clicking the link: Sam’s life on a Budget: A Year in Review

For more information about transitioning to life on a budget click on our “Getting Started” link in the menu bar at the top of the page, and get your free printable budget by visiting our “Materials” page.  We have a couple of options for you there.

But enough about me…I want to hear about your experiences on a budget–what works and doesn’t work? What are the best and worst parts of holding yourself accountable with money? Follow the “Reply” link at the top of this post to share your thoughts with me and Sam!!

Follow us on FacebookPinterest, and Twitter!

Follow on Bloglovin

 Brittany

How to Stay Sane and Maintain Friendships while Living on a Budget

Sometimes when you are fighting tooth and nail to get out of debt or save a large amount of money for a future expense, such as a down payment on a house or college tuition, your intensity takes you across a fine line, and your healthy determination becomes an unhealthy obsession. If—okay, okay, WHEN—this happens you have to take a step back and remove your blinders because money is just money, and being a miser not worth losing out on relationships and monumental occasions with your friends and family.

We all know that being financially fit is an important part of survival in today’s world, but there are other parts of life that are just simply MORE important. When you feel yourself over-stressing about monetary situations that are minor blips on the radar of life, fearing that your friends have forgotten you exist due to your new hobby of hermit-ing (pretty sure that’s a word I just made up), or shaming yourself for the lack of love you’ve been sharing with others, it’s useful to have strategies to get yourself back on track to living a life you love—and keeping your relationships with your peeps alive and well.

Just because you are “on a budget” does not mean you are destined to eat Ramen alone every night. There are some ways that you can make sure you keep a level head about money matters, maintain positive relationships with your friends and family, and continue to share love with your peeps no matter what kind of budget you are following.

word art

1. Brainstorm a list of your current life priorities, and put them in order. When you see that money isn’t at the top of the list, you can motivate yourself to quit acting like it is.

priority

Money can buy you things, but consciously examining your life priorities reminds you it’s not the only path to a full life. Don’t let yourself forget that!

2. After you master the art of saying “no” every once in awhile, make sure you balance that out by saying “yes” every once in awhile too. When you first start picking and choosing which activities or items to spend money on, it can be difficult to walk away without forking over dough. After a little time has passed and you begin to notice progress with your finances, it gets easier to say “no”, and you might find yourself having trouble saying “yes”. Make sure you stay involved in activities and relationships at the top of your priority list because these are the best parts of life.

photo credit: www.capescoaching.wordpress.com

photo credit: www.capescoaching.wordpress.com

3. Talk to people. The gift of gab…never. stops. giving.

talking on the phone

photo credit: www.elephantjournal.com

4. Share what you can. If your budget doesn’t allow you to dole out the big bucks to frequently treat your friends or family to the finer things in life, make a valiant effort to make the best of what you have and give what you can. Invite them over for home cooked dinner or lend them your favorite shade of nail polish. Stumble upon a buy-one-get-one-free coupon for an item you only need one of? Shop with your friend, and share the wealth. Get a promo code via email that you aren’t going to be able to use? Go ahead and forward that to a near and dear who will. When it comes to sharing, think outside of the box and give what you can. Others will appreciate it, and you will enjoy it.

cupcakes

If someone gives you half a dozen cupcakes, give four or five to your friends.

5. Plan activities that aren’t expensive. Who says your only social interactions have to revolve around buying food, drinks, or clothes? Nobody—that’s who! Take the reins, and set up wallet-friendly fun like brunch at your place, going for a walk or hike, cheering on your alma mater in a sporting event, or chatting while your dogs go wild at the dog park.

taking reins

Hiking the Bell Trail in Sedona, AZ was free and exhilarating.

6. Cut yourself a little slack. Whenever I feel like I’m not doing as well as I wish I was—with money, relationships, just being a good human in general—I remind myself that my (perceived) “failure” probably isn’t a very big deal in the whole scope of my life or anyone else’s for that matter. And please know that “I remind myself,” is actually code for, “usually after about five rounds of beating myself up over something insignificant..I remind myself”. Everyone is their own worst critic. If you feel like you messed up or aren’t meeting the standards you have set for yourself, you have to let it go and find a way to move forward. If you can’t do that, you just get stuck.

When you start to feel defeated about money or life, try to see yourself from your dog's point of view.

When you start to feel defeated about money or life, and all else fails–try to see yourself from your dog’s point of view.

 For more information about how to start making progress on getting out of debt or gaining control of your finances, check out our Getting Started tab at the top of our page.

Follow us on FacebookPinterest, and Twitter!

Follow on Bloglovin

 Brittany

 

 

 

 

11 Reasons to Get Out of Debt Fast

There are various schools of thought related to getting out of debt and how to go about it. As you all know, Brittany and I learned from Dave Ramsey and believe that the faster you get out of debt, the less money you’ll end up paying in the long run and the faster you’ll be able to start using the money that you earn. If you’re not already convinced to attack your debt and get rid of it as fast as you can, these 11 reasons may get you to jump on the wagon.

1. Monthly Bills. You will have one (or multiple) less payment per month. This means that you will spend less money on “living” (i.e. rent, utilities, debt) and more money on L-I-V-I-N (i.e. trips, pedicures, vacations).

2. Your money is YOUR money. Goodbye to your conscious that says, “Don’t go out to dinner with that extra money because it’s not YOUR money, it’s the government’s” and hello to your conscious that says, “Go to dinner and treat your friend because it’s YOUR money”. Living on an income that is not exactly YOURS because you owe it to debt makes me feel guilty if I’m spending money on anything other than necessities. I’m ready to be able to use my money how I want!

photo credit: www.news.ubc.ca

photo credit: www.news.ubc.ca

3. Gifts for others. You know all those weddings and birthday parties you go to and bring a $25 gift card or a homemade item because you can’t afford anything more? Once your debt is gone, you can give more meaningful gifts to friends and family.

4. Food. I don’t know about you, but I love food! I love a variety of healthy, whole foods but can’t afford ALL of the healthy food that I want all the time with my current grocery money budget. I make it work for me right now, but I could easily extend my food budget a little more to include a larger variety of whole, organic fruits and vegetables. Going out to dinner at restaurants with healthier foods is also a priority when I’m debt free. Right now, Mexican it is!

social life

5. Social Life. I’ve actually been able to sustain a pretty great social life while on a budget. Realistically, I don’t think much will change when I’m out of debt except for attending more shows, concerts, and races.

6. Work. Work seems harder when you NEED it. I show up to work everyday knowing that I NEED the money that I am making that day. One day, it will be nice to go to work knowing that I WANT it versus NEED it. Luckily, I have a job that I absolutely love, but I also NEED it.

travel

6. Travel/Vacation. This is another area that I’ve been able to sustain while being on a budget. The downside is, when I purchase flights to various places around the country, it takes money away from my debt snowball or savings. When I’m debt free, I will be able to enjoy a separate “travel fund” which will allow me to guilt-free budget for trips without taking money away from another area of the budget.

8. Volunteer/Donations. There are so many great charities out there to donate toward or volunteer for. When you’re working your debt snowball, there’s little room for monetary donations and little time to “work for free”. It will be nice to be able to donate or volunteer for wonderful charities and organizations once I kick Sallie Mae out of my life.

treat yoself

9. Treat cho self. This is probably the most selfish and vain item on my list, but it is just so true. I want to get my nails, eyebrows, and hair done by someone other than myself and without that being my “social event” of the week! Can I say “wardrobe upgrade”?! Although these things are not the important things in life, I could use some new summer dresses and running shoes.

10. Relief. If I don’t get out of debt FAST for any other reason, THIS is the sole reason I want to get out of debt FAST. Relief. Relief of debt bills. Relief of owing someone. Relief of deciding where my money goes. Relief of visiting friends and family. Pure relief of telling my money where to go, and making sure it’s NOT going to Sallie Mae.

11. Savings. Remember that house I want to buy one day? That years worth of flights to visit friends and family I want to have? The new bed? TV? Retirement?! I can’t start saving significantly until I get out of debt…so stop procrastinating and DO IT NOW!

For more information on starting a personal budget, check out our Getting Started tab at the top of the page.

Follow us on Facebook, Pinterest, and Twitter!

Follow on Bloglovin Sam

25 Reasons Being in Debt Sucks

Hi, my name is Brittany, and I am in debt...and it sucks. There are days in my life when I take a look at myself or my home and think, “Are you f@#!ing kidding me?” Because it’s hard to stay positive and pumped up about doing what’s best (and usually the most difficult) all the time, I present to you the current movie that has been on repeat in my brain for the past couple of weeks: 25 Reasons Being in Debt Sucks...hard.

1. Saying goodbye to all my housewives and Bravo as we have made the decision to ditch our cable services—I will need to find a new way to kill my brain cells.

Photo Cred: www.bravotv.com I am getting a little Ramotional about leaving all my housewives behind...Somewhere my fiance is cheering and jumping for joy

Photo Cred: www.bravotv.com I am getting a little Ramotional about leaving all my housewives behind…Somewhere my fiance is cheering and jumping for joy

2. Temporarily living in the ‘burbs.

3. Ugly office supplies and bare walls behind my desk. Upon learning that I was going to be working primarily with middle schoolers this year, I made the choice to spend my money on snacks and items to bribe them—I mean motivate them—with, instead of spending it on cute desk items to up my chic teacher cred. I’m a little disappointed in myself for being worthy of winning the ugliest classroom award, but I stand by my choice. Smarties and Skittles for president!

4.Busted Luggage

Yes, my luggage is torn, dirty, and I think the boning on the inside is actually worse.

Yes, my luggage is torn, dirty, and I think the boning on the inside is actually worse.

5. Cheap mascara and putting off makeup purchases in general—it’s what’s on the inside that counts, it’s what’s on the inside that counts, it’s what’s on the inside that counts..

6. At 27 years old my cupboard is filled with hand-me-down, mismatched mugs and glasses.

Sparse cupboard filled with mismatched glasses and mugs...at least I'm not a hoarder.

Sparse cupboard filled with mismatched glasses and mugs…at least it’s clear that I’m not a hoarder.

7. Wearing 2 older sports bras during my cardio workouts instead of using $40 to just buy one that can support my ladies all by itself.

8. Speaking of workouts…goodbye consistent gym membership.

workouts

Not the most well-stocked gym, but you can’t beat no membership fee

9. Still contemplating buying a quality, nice swimsuit…12 months later. Maybe the summer of 2014 will be the one to get an upgrade…

10. Renting a home instead of owning one.

11. Nosebleed seats at sporting events.

Going to sporting events is fun no matter where you sit, but I know it's better when you are closer

Going to sporting events is fun no matter where you sit, but I know it’s better when you are closer

12. There is no such thing as “retail therapy” in my life.

13. Crying over a shattered coffee pot and having to temporarily downgrade to one teeny tiny pot still in storage from my bachelorette days when I was drinking coffee solo on the weekends…The crying ceased when I discovered I can get a replacement pot for less than $15. Also, I’ve been telling myself (and my fiancé) that there must have been some other stressors testing my tear ducts….right? Right?!?!
coffee pot

14. Watching the World Cup from my couch instead of heading to Brazil this summer.

15. My yoga studio looks a whole lot like my patio…oh wait, it is my patio. Talk about testing your mindfulness and ability to meditate.

16.Guess who has the pleasure of up keeping my manis and pedis 98% of the time—ME!
nails

17. Ugly windows, part one: I have not purchased curtains for this huge window in our dining nook.

This window is so ugly, it is a two-fer on my list.

This window is so ugly, it is a two-fer on my list.

18. Ugly windows, part two: I broke the cheap ugly blinds in March… it’s nearly June, and they are still there.

19. Fresh flowers only make their way into our home when they are gifted to me. Sometimes it’s hard for me to say goodbye.

In my defense, they were alive before I took a Memorial day vacation.

In my defense, they were alive before I took a Memorial day vacation.

20. Waiting for movies to become available at RedBox before I get to watch them.

21. Stalking my favorite clothes, jewelry, shoes, décor items, etc. to purchase them after they go on sale…or stomp my feet because they sold out before then.

22. I am working with some seriously mismatched and tattered towels. My face is actually turning red from embarrassment as I think about sharing this picture with the world.
towels

23. Sentimental artwork and no frames purchased to showcase them on our walls.

artwork

24. Spa day consists of exfoliating my own face and begging my fiancé for a foot rub. “Professional” massages usually happen about once a year (Happy Birthday to me!)

25. STRESS!!!!!


 

Number 25 really is the sum of all sucky parts of being debt combined into one dirty, little word. Constantly making an effort to be on your A game is stressful, and if I don’t check myself (or get reality checked by Sam or my fiance) I let the silly little things turn me into a giant stick in the mud, so it’s important to vent and move on :)

What keeps me going is knowing that all things on this list are temporary because I am on my way to getting out of debt in a few short years. Missing out on them during this short chapter of my life will have a HUGE positive impact on what I can do for myself and others in the near future when all of my debt is gone. Plus, I can still spend time with people I love doing things that I love for free–like climbing this mountain!!!

Right now I have to pick and choose when it comes to managing my finances, and I chose a tank of gas to get to this beautiful place over curtains to hide my ugly, broken blinds.

Right now I have to pick and choose when it comes to managing my finances, and I chose a tank of gas to get to this beautiful place over curtains to hide my ugly, broken blinds.

Follow us on FacebookPinterest, and Twitter!

Follow on Bloglovin

 Brittany