Practical Tips to Help You Save Money on All Your Monthly Bills

Jen SmithFrugality, Personal Finance18 Comments

Save Money on Utilities

When it comes time for you to save 3-6 months of expenses in your emergency fund, you want your expenses low so you can have more travel money. With all the everyday spending we’re trying to save on, the recurring expenses often get forgotten about. But they take the biggest chunk of our income! I recommend reevaluating each of your monthly expenses at least once a year to make sure you’re getting the lowest price and that none of your providers are taking advantage of you. Here are my top tips for saving on some of the most expensive parts … Read More

14 Times Drake Was Basically Telling You: “You Can Do This!”

Jen SmithDebt, Personal Finance10 Comments


In this journey to pay off debt we could all use a little extra motivation. And I could totally throw you a bunch of Tony Robbins quotes (which I admittedly do on my Instagram) but there’s someone else who just gets it. Drake. He’s not only my music of choice at the gym (other than Despacito) but also a wise sensei with some nuggets of sage wisdom that are directly applicable to millennials paying off debt or saving for a house. So from the mouth of the man who popularized the term YOLO, comes some of the greatest motivational quotes … Read More

How to Regain Motivation After Murphy Hits Like a Hurricane

Jen SmithDebt, Personal Finance16 Comments

Hurricane Irma Fallen Tree

Hurricane Irma hit us hard last week. I’m still adjusting to the destruction she left in her wake and the personal assault she made on my house. You can never prepare perfectly for a hurricane. Meteorologists hype up a storm for a week but you really only have a few hours notice on where it’s going to go. First, we thought it was going into the Atlantic, then the gulf, then right up the state. The day before Irma hit we woke up to reports that the eye was heading straight for our city. We evacuated to Atlanta at the … Read More

We’re Debt Free + Saving with Spunk is 1!

Jen SmithBlogging, Debt, Personal Finance11 Comments

we're debt free

Today is a special day y’all. Saving with Spunk is one-year-old! And it just so happens that we also became debt free last week! This journey has been so different than I anticipated. I mean, I guess I didn’t know what to expect going into it. I had nothing to compare it to. We were the first people we knew to go full throttle to become debt free. Two years ago today I was a month out from getting married. I knew this journey was coming and I was riding out my last few weeks of freedom with a little … Read More