Welcome!

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.

The Beautiful Minimal Millennial is on Instagram!

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

Student Loans: Refinancing

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

Summer Cooking

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


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