My Origin Story: Growing up there were only fights about money, overspending on what I now categorize as useless things, and no education on budgeting. I woke up one day in my mid-thirties drenched in sweat in total fear of my current financial situation. I had close to $10,000 in credit card debt along with car and student loan debt. If my numbers were close to being accurate, I would be working until I was 100 years old. I decided that wasn’t the way I wanted to live my life. Quietly, I worked to pay off my credit card debt. Then I announced to my husband I was going to pay off my car and student loan debt because I wanted to retire earlier than 100 years old. The Beautiful Minimal Millennial started in 2019 as a way for me to document my journey of paying off $31,000 in car debt and $49,000 in student loan debt. I figured that if I wrote about it, I had to be honest. I have spent 2019 and 2020 only spending money on a predetermined list of essential items and pre-approved items. At the start of 2020, I paid off close to half of my car debt. Join me as I document my no-spend year, pay off debt, and find new ways to enjoy life as a minimalist.
I love reading, writing, puppy snuggles, running, family walks, and all things beautiful and minimal. I am a millennial that hates paper napkins, waste, and what else did millennials kill? I grew up without cell phones and telling time by church bells and street lights. Avocados, yoga, and meditation are my thing. I love experiences over stuff. Check out my most recent blog posts.
Most Recent Blog Posts
Ok, I’m not a financial advisor but let me share what just happened. I currently have $46,581.24 of student loans with a 20 year fixed rate of 5.39%. Today I was looking to refinance my student loans since the rates are closer to 3.5ish% and up. I called my student loan company, Citizen’s Bank (shout … Continue reading Student Loans: Refinancing
Over the past year I have hesitated to talk real numbers. Rather than feel ashamed, I’m going to accept the fact that I am in a fortunate place in my life today. Tomorrow it might not be the case. But today I am in a fortunate place. I did work very hard to get where … Continue reading April and May 2020 No Spend Recap: Let’s Talk Real Numbers
Mr. BMM created our first joint budget over 12 years ago. This weekend we got to talking about how much we really needed to put in a bank account for bills. I was shocked to hear that Mr. BMM did not maintain our joint budget. Some how he managed this way for 12 years. We … Continue reading Budgeting – Or How I Impressed Mr. BMM
We made it to the unofficial start of Summer. With Memorial Day behind us there are only hot days ahead. I don’t know about you but turning the calendar to a new month is exciting. I treat the start of a new month like others treat New Year’s Day as a new beginning. Reflecting back … Continue reading ¡Adiós! May – Enter June Mini Theme
I love to cook. My one grandfather really sparked my interest in cooking. He would have me over to teach me how to make different recipes. Such a beautiful memory. I actually have his crock pot and a recipe book. I love using them both as a sweet reminder of an awesome man. If I … Continue reading Summer Cooking
You Were Born for This: Astrology for Radical Self-Acceptance and Living Your Purposeby Chani Nicholas Recently I started to get interested in astrology. I suppose that I’m trying to figure myself out. Explain why I am different. I’m different from my family. We may share the same DNA but we are not similar. Our values, … Continue reading Book Review: You Were Born for This by Chani Nicholas
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