I grew up near Clearwater, FL where a vacation was only 15 minutes away and there was nothing that a day at the beach couldn’t fix. I didn’t exactly rough it when it came to money. Naturally, I believed this was how it would be for me once I became an adult.
I quickly realized that things weren’t so easy.
In college, I met a hilarious, holy, and very good looking man. We got married after graduation and his aspiration was to be a youth minister at a church. Because of this, I knew we wouldn’t be rolling in dough. Our conversations about money from the beginning, was tense. I grew up believing money was something that brought anxiety.
Budgeting was a Bad Word
If I’m being honest with you, I was accustomed to retail therapy and didn’t have much experience with saying no to myself. Most especially, when I wanted something. My husband was motivated to live simply from the beginning. But, this was a conflict for me internally. I’m a free spirit who loves being spontaneous and hates anything with too much structure. The idea of a budget made me feel like I was dying inside.
Even though I didn’t initially want to budget, we had big dreams like starting a family, owning a home, and traveling a whole lot together. We also needed a place to live, had student loans, a wedding to plan, cars to buy, and really believed we needed to do what everyone else was doing with their money. Once we accounted for it all, we realized quickly that we were in a lot of debt and that unless we got help, we’d end up stressed and broke.
We decided to get some help with our money by taking a financial course that empowered us to get out of debt and take control of our finances. We realized that personal finance is not complicated. What can be complicated is our mindset and behavior. The entire course of our life shifted after this.
Once we had solid advice and motivation, we sprinted out of 30K of debt in 10 months. We saw that there were hundreds of ways to save money in almost every area of life; food, travel, buying our first home, having a baby, you name it. All while still moving our financial future forward on a *very* tight budget. Things didn’t get easier, we bought a fixer upper, had a baby, I left my full-time job, and saving money became a part time job.
But in the midst of it all I was inspired because we had a plan and I realized I had a passion.
Money Became Simpler
We found that there were daily habits that anyone could implement to make money simple. It became obvious to me, that we are not the only ones looking to save money and do more with our income, even small ones.
Initially, it was easy for me to blame our income as the problem. But when we started looking for ways to save money, we found that creativity with the income we already had was a huge part of the answer. I realized that we could make all the money in the world but if we weren’t in control, it wouldn’t make a difference.
That’s why I started this budget blog, to help other people make their income do more for them. I can tell you what has worked for us, the crazy ideas I’ve tried, in hopes that it will help you save hundreds or even thousands of dollars where you didn’t expect it.
If anyone tells you saving money is complicated, it’s because it’s hard for them.
Money doesn’t have to be hard for you.
You can have control over your money. You can get out of debt. Your wedding doesn’t have to set you back. Having a child on a budget is possible. You can buy a house. You don’t have to live paycheck to paycheck. Money doesn’t have to be an constant source of anxiety.
Your goals can be your new normal
Debt free living, paid off mortgages, travel, retirement, investing, or whatever your goals are, they are in your reach no matter your income. It won’t always be easy. But it will be worth it.
All you need is a plan and a passion for living the life you love. That’s why I’m sharing my passion for how to save on anything and everything. No question is stupid and no goal is too big. Not here.
Read this blog if you:
- Hate overpaying for things in life
- Feel like everything is too expensive
- Are actively trying to get out of debt
- Are looking for a place that gives you encouragement and motivation for your finances
- Care about your financial future.
What you can expect here:
- Honesty: I’m not going to sugar coat my experience with saving. You can expect my story, the good and the bad.
- Challenge: Saving money isn’t easy. This is a space where you’ll be challenged to pursue more.
- Encouragement: Since I’m on the journey with you, I want to share motivation that has helped change my money mindset.
- Real Life How To’s: This blog is practical. Action points are my main focus.
So get comfortable, grab a cup of coffee and let’s do this. Money is meant to serve you not the other way around.