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
Back in March we were sent home with the hopes of returning back to the office in two weeks. Those two weeks turned into another month at home and yet another month and another month. Just last week they announced we won’t be going back until January. I personally think that is a bit too … Continue reading Working From Home – Tips For Saving Money
2020 GOAL: $4,000 for ROTH IRA + $11,000 in SAVINGS = When I Can Start Paying Extra on Debt July 1st Total Cash: $6,087.35 Liquid Investments: $3,000.00 (3 Month CD) Savings Goal: $15,000.00 Money Left to Save: $5,913.00 Current Car Debt: $12,707.04 Current Student Loan Debt: $46,418.57 July certainly came in like a wrecking ball … Continue reading July 2020 No Spend Recap
I love running and I love training with a trainer. Two years ago when I started my no-spend year (now years) I made it a point that fitness is a top priority. I would forego the Spotify membership in an effort cut expenses/save money/pay off debt without hesitation. But the gym membership, running shoes, and … Continue reading Finding Discounts – Gym Membership and Saving $$$
Just finished listening to a special Patron episode of How to Be a Minimalist where Katie discussed what to do when you are the only minimalist in your home. She offered some great tips. It got me thinking about my journey to minimalism and how I converted Mr. BMM. To give some background on Mr. … Continue reading How to Convert Others To Minimalism
As far back as I could remember, I always looked forward to the release of Brad Thor’s latest book. More recently I started taking the day off of work to celebrate and have a summer reading splurge day. My day started off with a pup walk then we had breakfast. During breakfast I gave myself … Continue reading Book Review: Near Dark by Brad Thor
A couple months ago I wrote about the possibility of having my job eliminated. It is a bit stressful but at the end of the day “what happens if you just took the summer off” statement from Mr. BMM helped. I have been applying to a couple jobs a week. It is interesting when job … Continue reading 2020 Theme: Slow – Preferred, Not Required
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