Which Should I do First, Pay Off Student Loans or Invest?

Jen SmithDebt6 Comments

pay off debt or invest

One of the many debates personal finance nerds love to talk about is whether to pay off student loans or invest? We go back and forth. Invest or pay off debt? Pay off debt or invest? Do both maybe? IDK. As much as I hate having hard stances on debatable issues (I have a fatal flaw where I see multiple sides to every story) I’m taking a hard stance on this one. It’s partly because math doesn’t take sides and partly because math doesn’t change people. You should pay off your student loans before you get a big head about … Read More

Best Gifts For Runners of All Levels For Under $20 for Christmas 2017

Jen SmithFrugality, Personal Finance5 Comments

best gifts for runners

While there are a lot of ideas on the best gifts for runners I thought I’d take a simpler approach and write a gift guide for amateurs and periodic runners like myself. As I write this I’m gearing up for a 4-mile run in preparation for a 6.55-mile race I’m doing the day before this post goes live. I like running and doing races but I’m never going to run a marathon and my half marathon days might even be over. Since I’m not a die-hard runner I never get myself the cool running accessories that all the cool kids have. … Read More

The No-Spend Challenge Guide is Available Now!

Jen SmithBudgeting, Frugality, Personal Finance16 Comments

The No-Spend Challenge Guide

The No-Spend Challenge Guide is Here! I’m humbled, proud, honored, and squealing with excitement to announce The No-Spend Challenge Guide is here and available on Kindle and Paperback on Amazon. Better yet it’s only stinking $2.99!   We’ve all done No-Spend Challenges whether it’s out of necessity or to achieve our financial goals faster. I’ve read books on quitting spending for a year but until now there hasn’t been a comprehensive guide on how to do short challenges effectively. So I wanted to write that book.   Budgeting and money management are some of the hardest concepts for people to … Read More

Best Gifts for Gamers (Especially Zelda Lovers) Under $15 for Christmas 2017

Jen SmithFrugality, Personal Finance11 Comments

gifts for gamers

Best Gifts for Gamers is part three of a five-part series of gift guides for cheap millennials who want to buy their friends and family gifts but don’t have time to shop. Part 1: Gifts for Grandma Under $35 Part 2: Best Sister Gifts Under $17 Part 4: Best Gifts for Runners Under $20 Part 5: Best Gifts for Nurses for Under $20 My husband Travis is a gamer. He’s not a “lose yourself for weeks” kind of gamer but it’s the thing he chooses to do in his spare time. I, on the other hand, know nothing about video games. … Read More

How to Host an Awesome Clothing Swap Party

Jen SmithFrugality, Personal Finance10 Comments

How to save money on clothes by hosting an awesome clothing swap party.

Clothing swaps are a rad way to scratch your shopping itch without spending valuable income. When we were paying off $78K of student loan debt there would be days I’d hate my wardrobe but I knew a new one wasn’t in my foreseeable future. And while Travis is a super thrift shopper I’m not that great. I don’t have the patience to wade through a ton of crap to find one or two gems. So I love Plato’s Closet and ThredUp but they can add just as fast as a bender at Target. But I love clothing swaps. Have you … Read More