Blog Posts

Financial Independence (FI) Decisions: Cutting My 401(k)

Last week I wrote about discovering my personal WHY on Financial Independence (FI). I am working towards financial independence because I’m sick and tired of business leaders making less than smart decisions causing employees to pay the ultimate price through job eliminations, pay freezes, and reduction in benefits, then turn around and complain that they … Continue reading Financial Independence (FI) Decisions: Cutting My 401(k)

Financial Independence: My Why

Over the years I have written about paying off debt, building an emergency fund, and decluttering/simplifying my life. And for those years I felt that I was missing the “why” in my story. Why do I want financial independence so badly? Why have I given up two and going on three years of shopping? Why … Continue reading Financial Independence: My Why

Why Politics and Personal Finance/Declutter Comments Don’t Work Together

Recently I have been noticing a lot more personal finance/declutter bloggers/podcasters commenting on politics. Some agree with my political point of view and some disagree with my political point of view. For those that are going political on their blogs/podcasts, you do you. I’m not going to be part of it. You may notice that … Continue reading Why Politics and Personal Finance/Declutter Comments Don’t Work Together

Moving my Emergency Fund

After listening and then pondering Episode 66 of the ChooseFI podcast, Big Ern got me thinking about my cash emergency fund. Big Ern outlined how to pay for an emergency in the event your emergency fund is not sitting under your mattress (essentially). Ok. Ok. He didn’t mentioned storing your cash under your mattress but … Continue reading Moving my Emergency Fund

Why You All Need Budgets

In my new role that I started in October, I am the official manager of financial planning and analysis. Basically I’m in charge of budgeting, forecasting, and solving problems with data. The hardest part about my job is seeing the frivolous spending while I see the bottom line get worse with each additional expense. Let’s … Continue reading Why You All Need Budgets

#Save21 Challenge

I don’t know about you but I just shredded my 2020 calendar. While 2020 was a challenging year, I am blessed to have found a new job with a raise, pay off my car, and move closer towards my retire early goals. Now that I own my car, I’m going to pivot and transition from … Continue reading #Save21 Challenge

Why We Shop: Have You Met Diderot?

Recently I have been wondering why I haven’t been drawn to purchasing anything new. No new decorations for the house. No new kitchen appliances or gadgets. No new clothes or shoes. Nothing except for food and replacements to broken well used things. Then I heard about the Diderot Effect. A light bulb went off. When the French … Continue reading Why We Shop: Have You Met Diderot?

What If I Opt Out of Shipping

What happens if I opt out of shipping? I’m to the point that I would rather go without or actually go into a physical store than to keep submitting what seems to be an endless stream of lost package claims because one shipping carrier can’t seem to get it together. Let me quickly point out … Continue reading What If I Opt Out of Shipping

2021 Theme and Goal

After paying off my 2019 Subaru Crosstrek in 24.5 months (predicted this back in January) and finding a new job this year, I decided that 2020 is over. My themes for 2020 were SLOW and CREATE. I wanted to live more slowly, to give myself space to relax and be, and opt out of the … Continue reading 2021 Theme and Goal

I Own my Car

More details to come but I couldn’t wait for this major announcement:

November 2020 No Spend Update

It’s getting hot in here! My debt pay off is on fire! Every extra dollar not spent on necessities or allocated to savings is going right towards my car! November 1st Total Cash: $2,845.52 High Yield Savings Account: $3,001.53 Mutual Fund: $2,694.69 Current Car Debt: $5,840.46 Current Student Loan Debt: $45,644.12 November has been a … Continue reading November 2020 No Spend Update

Routines: Why You Need Them

Ever hear the phase “creature of habit?” Well us humans at all ages and life stages need routines. The level and intensity of your routine is up to you but we all need routines. Today I wanted to share my morning and nighttime routine to keep me organized, on time, and feeling energized. But first … Continue reading Routines: Why You Need Them

No Such Thing as a Free Lunch

Today’s post is to give you permission to say no. To say you have had enough. To walk away from a dumpster fire. 2020 has been hard enough and if you live in America, tomorrow is Thanksgiving. If you think that your creepy uncle or psycho aunt got nicer, think again. Today I’m giving you … Continue reading No Such Thing as a Free Lunch

October 2020 No Spend

It’s been a while since I wrote a blog post. October was a whirlwind of activity. I set my 2020 professional theme as Create. Create meant to me to create the job I always wanted. Do the work that I love and kick the stuff that does not excite me to the curb. Back on … Continue reading October 2020 No Spend

Book Review: Eat and Run by Scott Jurek and Steve Friedman

Eat and Run: My Unlikely Journey to Ultramarathon Greatness by Scott Jurek, Steve Friedman I loved Scott’s other book about attempting to set a new fastest known time record on the Appalachian Trail. If I’m going to be honest, this book fell short of my expectations. Maybe because I find vegans to be annoying at … Continue reading Book Review: Eat and Run by Scott Jurek and Steve Friedman

September 2020 No Spend

September 1st Total Cash: $9,288.12 Liquid Investments: $3,000.39 (3 Month CD – Matures 9/30) Savings Goal: $15,000.00 Money Left to Save: $2,711.49 Current Car Debt: $12,058.32 Current Student Loan Debt: $46,010.21 Last month I planned to pay an extra $750 on my student loans starting this month. Well, I paid extra on debt but I … Continue reading September 2020 No Spend

Best Planner for 2021

I don’t know about you but I’m ready for 2021. With the new year comes a new paper planner. Maybe I’m a unicorn of a millennial because I still use a paper planner but I don’t care. Each year I search the stores and the internet for the PERFECT PAPER PLANNER. I’m talking it gets … Continue reading Best Planner for 2021

Freedom of Screen Time Limits

When my phone smashed to smithereens last month, I decided to switch teams and order an iPhone. One of the main reasons was the customizing that could be easily done with an iPhone rather than searching for an android app to do the same thing. App Limits: I limit myself to 15 minutes of Instagram … Continue reading Freedom of Screen Time Limits

How Many Forks Do I Have?

It’s really interesting to sit back and observe humans. We all seem to be focused on being the best runner, the best employee, the best partner, the best minimalist, the best blah blah blah. We will search the internet for definitions and how to’s and tips/tricks in order to be the best. We act like … Continue reading How Many Forks Do I Have?

31 Day Declutter Challenge

If you have read any of my posts, you know I love to declutter, remove the excess, and pay off debt. I also love to listen to decuttering/organizing/debt pay off podcasts and read books on the same topics. There are a lot of decluttering challenges out there. Most of them focus on the stuff. The … Continue reading 31 Day Declutter Challenge

Budget Monday

Mondays can be rough. First day of the work week. First day back from the weekend. Monday. Ugg. Emails. Meetings. To do’s. OMG. But for me it’s Budget Monday! I love Budget Monday! I love my budget! So what happens on Budget Monday? Every single Monday morning I open up our excel budget and review … Continue reading Budget Monday

Nesting this Fall

Recently I have had this intense sense to declutter, clean, re-organize, and turn our house upside down. These feelings usually happen with the change of season. Typically my seasons follow the astronomical seasons or equinoxes, which all started with a roof top fall equinox guided meditation. Around each equinox I also smudge sage. It marks … Continue reading Nesting this Fall

August 2020 No Spend Recap

August 1st Total Cash: $7,312.84 Liquid Investments: $3,000.57 (3 Month CD) Savings Goal: $15,000.00 Money Left to Save: $4,686.59 Current Car Debt: $12,232.04 Current Student Loan Debt: $46,251.38 August started with high hopes with going back to the salon part time and working Saturdays. I really missed the creative part of being a hair stylist. … Continue reading August 2020 No Spend Recap

Book Review: America’s Cheapest Family by Steve and Annette Economides

Is it possible to grocery shop only once a month and spend $350 for a family of seven? Before you look at your current grocery budget, it is important to note that the $350 in 2007 equals $458.19 in 2020. “According to the U.S. Bureau of Labor Statistics, prices for food were 30.91% higher in 2020 versus 2007 (a … Continue reading Book Review: America’s Cheapest Family by Steve and Annette Economides

Mr. BMM Learns to Cut Hair

Have you ever received a terrible haircut and had to have someone help you fix it? I have received so many unwanted mullets and terrible hair cuts that I lost track of the numbers and people responsible. I mean how on earth does it happen when I specifically state I want it a little shorter … Continue reading Mr. BMM Learns to Cut Hair