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
Adios plastic wrap! Mr. BMM just had to deal with a situation where you would have worked but instead he opted for foil (because I hid the plastic wrap). Anyone want a half used box of plastic wrap? I am so inspired by all of the blog posts and Instagram pictures supporting plastic free July. … Continue reading Plastic Free July
Where did BMM go? I am here!!! I got some news this weekend that was bitter sweet and completely blocked my mind from writing. See for the past 26 years (yep it started when I was a small child) I have been trying to break away from some really bad people. On July 4th, I … Continue reading Personal Freedom
Back in 2005 I started on my journey towards my dream job. I applied to my local community college to work towards my B.S. of Accounting. I worked 2-3 jobs at a time while going to school full time. I don’t know how I did it. In 2009 I landed my first job with my … Continue reading Manifesting the Good… no the GREAT Stuff
Playing with FIRE (Financial Independence Retire Early): How Far Would You Go for Financial Freedom? by Scott Rieckens Again the reviews on Goodreads seem to be focused on the Rieckens’ household income of $142,000 per year. Let’s put some things into perspective. The median (not the average but the family in the middle’s) household income … Continue reading Book Review: Playing with FIRE by Scott Rieckens
2020 GOAL: $4,000 for ROTH IRA + $11,000 in SAVINGS = When I Can Start Paying Extra on Debt June 1st Total Cash: $6,348.00* Corrected to include my mutual fund Savings Goal: $15,000.00 Money Left to Save: $9,100.63 Current Car Debt: $12,927.67 Current Student Loan Debt: $46,581.24 During this month I refinanced my car and … Continue reading June 2020 No Spend Recap
North: Finding My Way While Running the Appalachian Trailby Scott Jurek, Jenny Jurek I picked up this book because I enjoy running and I love the mountains along the east coast. What I didn’t know was the real story behind these badasses, Scott and Jenny Jurek. Who decides one day to run 2,189 over 46 … Continue reading Book Review: North by Scott Jurek and Jenny Jurek
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