How to Find Affordable Acupuncture Near You

Jen SmithFrugality, Personal Finance6 Comments

community acupuncture

As a licensed acupuncturist and personal finance writer, sometimes I’m given confused looks as the two seemingly don’t coordinate. But as many of you will know who read my blog and hang out with me on Facebook Live, acupuncture school is how I racked up all my debt and the primary way we paid it off. So when I had the opportunity to write about affordable acupuncture when I was interning at The Penny Hoarder it was my two worlds perfectly colliding. I’ve been practicing for about five years and have seen acupuncture work wonders in people. When people ask me … Read More

7 Important Things to Remember When Buying a Car While in Debt

Jen SmithPersonal Finance17 Comments

buying a car while in debt

You may find yourself in a place where buying a car while in debt is a necessity. Here are some important things to remember when making your decision. In 2014 I had over $50,000 in student loan debt, a job that would never make me more than $50,000 in a year and a busted car. I hadn’t planned on needing a new car for a few more years so my savings were not enough to pay cash and I was stressed from having to find rides and knowing how much this new car was going to cost me. I cringe … Read More

Why Vulnerability is the Key to Financial Health

Jen SmithPersonal Finance10 Comments

Vulnerability and Financial Health

Whether you have money in the bank or no penny to your name, if you’re committed to being vulnerable you will have good financial health. I kept my debt and indulgent spending in the dark for a long time. The shame and guilt of my financial mess overwhelmed me to the point of anxiety. So I hid it for years. I listened to Dave Ramsey’s Financial Peace University when I was halfway through college. I had no clue about budgeting, credit, and debt until that course. Unfortunately, I had $25,000 in debt and another $25,000 to go. I wasn’t ready to … Read More

13 Ways to Save Money at Restaurants that Won’t Embarrass Your Friends

Jen SmithPersonal Finance, Savings31 Comments

Ways to Save at Restaurants

My husband and I didn’t travel well together for a long time. When we’d leave the city he’d get increasingly paranoid about spending money and for me, all inkling of a budget left my mind as I imagined all the new fun and food there was to be had. And I have too many memories of arguments with my husband, Travis, because he refused to order his own entrée, opting to only eat the food left over by our friends. So now we plan beforehand so he knows we have the money to spend and I don’t spend it all … Read More

Countdown to Student Loan Freedom – 120 Days to go

Jen SmithBudgeting, Personal Finance6 Comments

Best Summer Ever

We’re putting 59% of our total income toward achieving student loan freedom. Want to see the budget we’re using and how we’re spending the other 41%? You’re in luck. When I say we paid off $53,000 of student loan debt in a year people are flabbergasted. They think it’s awesome but they always have an excuse as to why they can’t do it. “My loans are three times as much as yours.” “I have a kid, I can’t work any extra hours.” “I literally can’t think about my loans, it gives me anxiety.” We don’t have lucrative jobs, we didn’t … Read More

How to Organize a Garage Sale Like a Boss

Jen SmithMake Money, Personal Finance12 Comments

yard sale bowls

I love garage sales. There are so many good deals, nice people, and interesting items that give you a peek into your neighbor’s lives. I’m no professional but I’ve been known to pull over for an impromptu browse when I see a neon sign. With our love for all things saving and making money, Travis and I thought it’d be a great idea to help my mom host a garage sale to help with her upcoming move. I realized quickly that there are more steps to organize a garage sale than I thought. So now that I’m a pro after … Read More

A Roundup of the Best Drugstore Makeup for Women on a Budget

Jen SmithPersonal Finance, Savings24 Comments

best drugstore makeup

As a budget blogger and savings enthusiast I’m excited to round up the top drugstore makeup picks from the best beauty sites out there. My makeup collection is pretty dismal. It’s a culmination of random purchases from the beauty aisle and collecting my mom’s unused products. I was going through it when we moved and thought it might be time to start adulting here. Since I’m no makeup savant and it’s taken me years to even get around to researching affordable makeup brands, I’ve compiled the real experts’ compilations and my top picks for under $10. There are makeup essentials … Read More

13 Cats Who Totally Understand Your Debt Payoff Struggle

Jen SmithDebt, Personal Finance18 Comments

Cats Who Get It

Ever think no one understands your debt payoff struggle? Everyone’s taking pictures of their fantastic lives and you’re over here dining on leftovers and tap water. I know your pain, you don’t put 60% of your income towards debt and get to experience the luxury of air conditioning in the summer or hotels when you’re out of town. I’m not the only one who understands you, cats do. Of course, they’re not real cats, real cats DGAF about anyone. These cat gifs though, are the symbol of our plight. I hope they comfort you and inspire you to keep going. … Read More

3 Must Have Tools for Side Gigs

Jen SmithMake Money, Personal Finance12 Comments

According to CareerBuilder, more than one-third of working millennials have a side job. For a generation thought to be lazy and entitled we sure do a lot of work. And with the creation of the sharing economy, we’re not confined to working minimum wage or pouring drinks for extra income. We can use talent and experience to create side businesses that are more lucrative and fulfilling. If you’re starting a side hustle, whether it’s freelance designing, consulting, reselling, whatever, there three must have tools for side gigs you’re going to need to make your business thrive and your life easier. 1. … Read More

How to Start a Blog and Make Money Online

Jen SmithBlogging21 Comments

Start a Pineapple Blog

I’m not the overdramatic type but I’m serious when I say blogging has changed the trajectory of my life. I started blogging for a few reasons, a way to help people by sharing my experiences, to hold myself accountable, and to in time, make a little money. I never considered myself an entrepreneur or a writer but now I feel like I’m both. Why Start a Blog? • To make money from home. It’s easier than you think. An online presence allows you to get freelance writing and marketing jobs and once you build your blog you can build passive … Read More