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

Jen SmithDebt, Personal Finance8 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 SmithPersonal Finance13 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 Finance10 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

Why the Myth of Moderation is Keeping you in Debt – And How to Get Out

Jen SmithDebt, Personal Finance12 Comments

myth of moderation

You’ve heard it said “Everything in moderation.” Like your brain will just know when it’s achieved maximum moderation and you’ll be fine. Who actually achieves their ideal of moderation? I know a lot of people who think their addictive or impulsive personality means they can’t do moderation. While there’s something to be said for how genetics and personality affect the purchases we make, overspending and impulsive spending are problems for everyone, regardless of personality type. The idea that moderation must be organically practiced is a myth. Moderation is a skill that takes building and refinement. There are actual steps you … Read More

Tips for De-Cluttering Your House and Getting Paid for it

Jen SmithFrugality, Make Money, Personal Finance16 Comments

Tips for De-Cluttering Your House

When you’re trying not to spend money, there’s no better way to spend your time than making money. And you know what my favorite way to make money is? De-cluttering. I couldn’t make a living off of it but it’s a great way to build an emergency fund or earn a little vacation money. The feeling of a good purge is half the reward anyway. And with the rise of blogs, books, and movies about minimalism, I think you guys agree. Whether you’re venturing into minimalism, doing a No-Spend Challenge or just trying to spend less, getting rid of stuff … Read More

How to Save Money on Groceries Without Clipping a Single Coupon

Jen SmithFrugality, Personal Finance14 Comments

how to save money on groceries without coupons

The number one money saving tip people search for on Google is how to save money on groceries. Of course it is, food is one of the few things you need to survive and eating at home is way cheaper than eating out. But it’s also easy to go to the grocery store unprepared and walk out with way more than you can realistically eat. That’s why saving money on groceries is an easy way to drastically cut your spending and pay off your debt faster. I’ll also mention I’m not a huge fan of couponing, sometimes I feel like … Read More

How to Stop Spending Money at Restaurants & Start Enjoying Food

Jen SmithFrugality, Personal Finance15 Comments

how to stop dining out

If you’re looking to save money or pay off debt, avoiding restaurants is the quickest way to put big bucks back in your budget. But instead of depriving yourself, here are some ways you can make eating at home even more enjoyable than going out. What is it that drives us to revert to eating out when we’re tired or bored? Some people say it’s fun to get dressed up and go to a restaurant or it’s easier to have someone serve you your food and remove the dishes. If you really think about it, eating at home is just … Read More

Blink Health Review – How to Find Legit Cheap Prescriptions

Jen SmithFrugality, Personal Finance, Savings4 Comments

Prescriptions can be costly and often times unavoidable. They can take a tight budget and squeeze the last penny out of it. In my Blink Health review, I look at a company who’s trying to fight the status quo by the numbers. Having a surprise sickness while you’re paying off debt is not fun. Not only do you miss out on work and lose out on income, but the cost of doctor visits and prescriptions adds up fast. I see myself as a pretty healthy millennial. I’m not stressed, I eat a primarily plant-based diet, and I do Crossfit 3 … Read More

Thoughts and Feelings on the Start of our Last Month in Debt

Jen SmithDebt, Personal Finance14 Comments

We are officially in our last month of being in student loan debt. I thought this month would never come, but here it is. How I’m feeling about being almost debt-free. I’m not good at writing about feelings. If I take the time to write something I want it to help people, not give them an inside look at what’s going on inside my brain. But I see a lot of posts about people “in debt” and “debt free” but not many about being “almost out of debt.” We’re one month away from completing the journey of paying off $78,000 … Read More

9 Customizable Ways to do a No Spend Challenge to Kick Start Your Financial Goals

Jen SmithFrugality, Personal Finance6 Comments

Ways to do a No Spend Challenge

Completing a No Spend Challenge can do more for your finances than keep a few dollars in your bank account. Which of these 9 ways to do a No Spend Challenge is right for your financial goals? We’re on the cusp of paying off $78,000 of debt in less than two years. I’ve incorporated No Spend Months a few times over the course of our journey, usually after a big budget flop. I’m really bad at moderation. I’m very all-or-nothing, which has made it easier to commit to paying off our student loans but also makes me a horrible budgeter. … Read More