Tips to Help You Fund (and Keep) Your Emergency Fund

Jen SmithPersonal Finance, Savings18 Comments

Emergency Fund Tips

Everyone who’s ever had an emergency will tell you money is key to making good decisions. We make bad financial decisions when we’re broke and desperate. That’s why having an emergency fund is vital to starting any personal finance journey. We currently keep a mini emergency fund of $1000 while we’re paying our debt and so far it’s worked out great. Now we have a five-month emergency fund because we’re debt free! But it’s hard to save, hard to know how much to save, and hard to avoid the temptation of $1000 sitting in your bank account screaming to be used. … Read More

Budgeting is a B Word – Budget Myths Debunked

Jen SmithBudgeting, Personal Finance11 Comments

Budget Myths Debunked

Everyone I talk to about debt tells me “I know, I need to get on a budget.” In my head, I’m like “duh!?!” But the truth is, I remember what it’s like to be single on a 36K income staring 60K of debt in the face. It’s horrifying, overwhelming, and seemingly impossible. So I just ignored it. I let the interest pile up and said I just can’t do this. Flash forward two years and the budget is a vital part of my life. I am by no means a master budgeter and I’m always the one that ends up … Read More

Buy Clothes, Save The World!

Jen SmithFrugality, Personal Finance10 Comments

Secondhand Clothes

Get ready to feel really good about yourself. I know you’re concerned about your carbon and slavery footprint (You are, right? Good.) but just don’t have the time, energy, and resources to buy locally sourced and stitched clothes to cover your body. It’s hard enough to remember which produce to buy organic, then we have to figure out which blouses are organic cotton? The struggle is real. But you know what’s also real? We consume 80 billion pieces of new clothing every year.   Fast fashion has made design turnover faster than a server at Chili’s. And it comes at … Read More

10 Free Activities For Couples Paying off Debt

Jen SmithDebt, Frugality, Personal Finance14 Comments

10 Free Activities

When my fiance told me he wanted to pay off his student loan debt as soon as possible the little voice inside me would not stop reminding me of all the things I’d miss out on if I couldn’t spend money. Also Read: 10 Free Activities for Couples Holiday Edition! I too had once had the dream of paying off my student loans before I turned 30 but somewhere along the way the compounding interest and dinners out with friends paralyzed me into thinking it simply couldn’t be done. So when I got on board this crazy idea that we’d … Read More