STOP living paycheck to paycheck: 10 Steps to Financial Freedom

STOP living paycheck to paycheck: 10 Steps to Financial Freedom

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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. (People NEED to stop living paycheck to paycheck, because it’s not living – it’s more like surviving.)  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. (more…)

How to Organize your Closet for Under $30

How to Organize your Closet for Under $30

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This is a guest post by Catherine Treme – Personal Finance Blogger & Life Lover –  who blogs at My Work Money Life. After an eternity (5 years, 6 months, 2 days) of struggling in a corporate job that practically sucked the life out of her, she decided to embrace a career change and tackle blogging! 

My Closet Organization Woes

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. (more…)

Pinteresting Strategies

Pinteresting Strategies

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I used pinterest to go from 0 – 200k pageviews in 6 months. No boardbooster. No tailwind.

Yes, one more of these posts. They’re addictive aren’t they?! When I was first starting my blog and trying to get page views I read every single one of these I could find online for months. Looking for some secret formula that would make pinterest work for me.

And every. single. post. was a sales pitch for boardbooster or tailwind.

Even the expensive courses required you to purchase boardbooster or tailwind. Putting more money into my blog was a non option, and I decided to do pinterest without a scheduler. I was desperate to get just enough page views to qualify to apply to a bigger ad network and start making a little money.

But what happened just about knocked my socks off. (Yes – Socks. Off.)

I started pinning in May and by the end of August I was working with Adthrive – one of the premier ad networks in the country – and one with a requirement of 100k page view per month.

My pinning-without-a-scheduler method had fast tracked me to a full time blog income.  (more…)

Dealing With Anxiety in Pregnancy

Dealing With Anxiety in Pregnancy

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As usual:  I am NOT a doctor, and I am not formally educated on mental illness. You should see a doctor to learn about your options. You should discuss any and all treatments with your doctor.

I thought my anxiety series was all wrapped up

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:

Turns out pregnancy blows all those things out of the water. (more…)

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

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

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This is a guest post by Alaya , the blogger behind Hope+Cents. After dumping her own debt, she has become passionate about helping others do the same and shares tips, encouragement, and hope for those looking to take control of their finances.  

There’s a lot of talk 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? (more…)