10 Series to Watch on Netflix When You’re Trying Not to Spend Money

Jen SmithPersonal Finance32 Comments

shows to watch on netflix

My favorite way to not spend money is Netflix + Chill. Many a night have my husband and I weighed the option of going outside or staying in and watching TV. We’ve never paid for cable in our marriage so our options are limited to the Netflix account we share with our friend Jessica. Hi Jessica! Paying off debt is more than working side jobs and saving money, it includes what we do for fun too, because you can’t (and shouldn’t) turn that part of yourself off for 2+ years. Netflix isn’t the most productive use of your time but … Read More

Debt Free Stories: My Interview With YouTube’s Budget Girl!

Jen SmithDebt, Personal Finance10 Comments

budget girl

Today I’m excited to share with you Sarah Wilson, aka Budget Girl’s debt free story! She’s an awesome millennial woman who paid off over $32K of debt on her own in three years. Well not on her own if you count her 17,000 subscribers on YouTube! Sarah’s story will empower you in whatever situation you’re in to suit up and attack your debt. Her YouTube channel is also a wealth of tips and resources on saving, meal planning, frugality and of course, budgeting. So without further ado, here’s Budget Girl!   Can you tell a little about yourself for people … Read More

My EyeBuyDirect Review – Affordable Glasses for Everyone

Jen SmithFrugality, Personal Finance6 Comments

eyebuydirect review

This is my EyeBuyDirect review after wearing a pair of their frames for one year. Read until the end for an EyeBuyDirect coupon and tips for getting your frames right the first time. After wearing eyeglasses for over 20 years not only do I feel very old, I also feel like I know a thing or two about glasses. I’ve bought countless frames in-store and switched to buying glasses online in 2012. I’m frugal to my core so I don’t buy a lot of frames. I want the pair I buy to look cool, be of great quality, and not … Read More

The Affordable Housing Option That Can Help You Pay Off Debt Faster!

Jen SmithDebt, Frugality, Personal Finance6 Comments

Affordable Housing for Millennials

Today I have a guest post from Allea over at AskAllea.com. I was so happy when she reached out to me for a guest post because I love her holistic approach to financial health and her fun writing style. Hope you enjoy! When you’re trying to pay off debt, you’ll do a lot of things to save money. You’ve got a small pool of “lifestyle” funds you can have fun with. And with small funds comes big creativity. I’m all about maximizing the dollars I do have: I plan my meals and cook at home. I rarely buy a drink … Read More

11 Things I’ve learned in 9 Months of Blogging

Jen SmithBlogging, Personal Finance18 Comments

What I've learned in 9 months of blogging

Blogging is a wild ride amiright? I’ve only been Saving with Spunk for nine months but I can’t remember a time without it. Every three months I do a recap of what I’ve learned to share with fellow bloggers and to keep myself accountable. These have been some of my most popular posts so I’m sure after I do my one-year recap I’ll continue to keep you all updated with income reports (even if they’re really tiny!) I got off to a running start with my blog. I was growing rapidly, creating good relationships with bloggers and companies, and I started … Read More

7 Days to a Better Bank Account – Free Email Course Launch!

Jen SmithBudgeting, Debt, Frugality, Make Money, Personal Finance, Savings6 Comments

I’m overly excited today. I’ve been working hard and hardly working on this for so long (ya know, life happens) for you guys. Read on and let me know what you think! Millennials value experiences over wealth. We would rather travel and spend time with friends than having nice houses and clothes. I love this about my generation and I’m proud to be a millennial. But our lust for life comes with some shortsightedness. The average millennial graduated with around $21,000 in student loan debt and remains underemployed. I was no different. I gladly paid less on my $51,000 student … Read More

How To Improve Your Budget to Pay Off Debt

Jen SmithBudgeting, Personal Finance22 Comments

budget to pay off debt

Making your first budget to pay off debt can be scary. It’s not as simple as assigning percentages because every person’s finances are different. But the results are in and budgeting is a necessity to achieving your financial goals. Sure you can get by without a budget but you won’t get ahead without one. My husband and I have been budgeting together since before we got married and it’s set a foundation for us to be able to pay off over $64,000 over 18 months. There are a ton of methods, spreadsheets, printables, etc. to create a budget, but I … Read More

11 Steps to Avoid Burnout When Paying off Debt

Jen SmithDebt, Personal Finance6 Comments

avoid burnout while paying off debt

The key to avoiding burnout while paying off debt is to reinvigorate your motivation. Here are 11 ways you can stay motivated and energized to avoid burnout when paying off debt. 1. Work With Purpose The first step to any journey is identifying the destination. It’s no different in becoming debt free. But debt freedom isn’t the destination. It’s an essential stop along the way, but understanding that there’s life after debt is imperative to making it out of debt and staying there. What’s your purpose for getting out of debt? Ours is to have career and lifestyle freedom. We … Read More

How to Find Affordable Acupuncture Near You

Jen SmithFrugality, Personal Finance7 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