STOP living paycheck to paycheck: 10 Steps to Financial Freedom

STOP living paycheck to paycheck: 10 Steps to Financial Freedom

Living paycheck to paycheck sucks

How many times have you said (or heard someone else say) – that you couldn’t buy the whatever-you-want until Friday, because Friday is payday?

I heard it twice this week, and I don’t talk to a lot of people. And it really made me think. And it made me want to write this post.

There is an epidemic of people living paycheck to paycheck. Well, I’m using the term “living” sort of loosely here. Living paycheck to paycheck is more like surviving than living. Are you one of these people?

The good news is that if you ARE one of these people, you can stop. It just takes a little effort.

10 steps to stop living paycheck to paycheck

1) Add up allllll of your debt. Let’s get this out of the way right now. If any amount of your income is going towards debt repayment (other than a mortgage), that should become priority number one. Use your debt as a motivator if possible.

2) Identify where your money is going. Specifically, identify where “essentials” money is going and where your “extra” money is going. To know where your “essentials” money is going, add up all of your “essential” bills (rent or mortgage, power/heat/water, food, transportation, medical insurance, debt repayment etc.) To know where your “extra” money is going, spend as normal for the month, and either put all of your purchases on your debit card, or if you use cash, write it down. At the end of one month, assess where your money went for that month.

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How to Organize your Closet for Under $30

How to Organize your Closet for Under $30

If you’re anything like me you often feel over worked, under paid and struggle to keep life organized. Well, look no further because I have found a solution to keep life organized! Wait, who am I kidding? I still struggle to keep my life organized (just not clothes organization anymore). I don’t care what stage of life you’re in, this space issue seems to be an ongoing issue with no resolution (I always was under the impression there was closet monsters or something). Not only did I not have the space in my tee-n-i-e apartment but I didn’t have the money to get a fancy bedroom set either.

Every morning, it was the same story. Some clothes halfway folded in the floor, some hung up and then some dirty. After accepting that the sniff test was not conducive to a young professional’s life, I decided I needed some cheap closet hacks in order to get my life in order (well, at least with respect to closet organization) in a really big (yet simple) way.

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Dealing With Anxiety in Pregnancy

Dealing With Anxiety in Pregnancy

Dealing with anxiety in pregnancy isn’t something I had ever given much thought to before – and I had shared (more or less) all the basics of the things I know about living well with anxiety.

But of course, there’s always more to learn. In fact, every new experience offers me a choice – A) choose to learn how to deal or B) spiral into full blown prolonged panic mode. (This option comes with insomnia, depression and general lack of functioning. Woohoo!)

I used to choose option B far more often than I care to admit – but that’s because it’s hard to deal with anxiety when you don’t know how… and that’s why learning how is so important.

I know how to deal with my anxiety on a day to day basis. I can keep it under control most of the time:

I rely heavily on natural supplements to keep my anxiety at bay.
Eating properly is important.
Running is a HUGE anxiety buster for me.
Making good decisions that keep me in control (as much as possible) of my life really helps.
Turns out pregnancy blows all those things out of the water.

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What’s the Big Deal About Being “Debt-Free”?

What’s the Big Deal About Being “Debt-Free”?

From blogs chronicling their author’s debt-free journey, to a radio show that invites callers to celebrate becoming debt-free, it seems as if there is a subculture of debt-free fanatics that are challenging our “buy now, pay later” culture.

And it seems that way because there is. There is a growing debt-free community. It’s made up of people who have an “I paid off (insert crazy amount of debt) in just (insert short amount of time)” story; people who are working towards some ambitious and inspiring goal like paying off their mortgage in under ten years or retiring by forty; and people who have always been debt-free and are committed to staying that way. The debt-free subculture exists. And it’s growing.

But, perhaps you’re not convinced about the whole debt-free thing. You can manage your car payment, student loans, credit cards, and other debt just fine. You make all your payments on time, and sometimes you even pay more than the minimum amount due. That’s pretty good, right? If you’re able to “manage your payments” why is being debt-free necessary? What’s the big deal about being debt-free?

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How to Organize Your Bills

How to Organize Your Bills

This is a guest post by Matt Williams, who is a blogger and an unapologetic fighter of medical billing mistakes. He offers tips and resources for help with medical bills at sickandbroke.com

Bills, bills, bills. They are overwhelming. Every day they continue to pour in and every month you will likely receive a power bill, gas bill, your mortgage or rent, water bill, internet and cable bill, and phone bills – and that’s the least of it. How do most people handle it? How do you handle it? I know. I know what you do.

We all have that location in our kitchen, car or office. That spot where we collect the mail in the pile. We tell ourselves that we will organize it, but we just create a new pile until we have the paper version of Mount Everest.

I am going to give you some tough love right now: if you do this, you are a mess. That is right, you are a mess and you need help. You are not doing yourself any favors, and it’s time for you to get it together so you can pay your bills on time and become more organized.

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