Tag Archives: DIY

Put It On My Tab

It took me far longer than it should have to start making sound financial decisions.

Although, it seems to be taking everyone far longer than it should to get their money right.

So, I put together a list of the top ten money lessons I learned the hard way.

Maybe some of you can benefit from my not so savvy experience.

1. Make a monthly budget and STICK TO IT.

monthly-budget

Also make sure to include ALL expenses in your budget.

If you go out on Friday nights and regularly drop a hundo at the bar, don’t fool yourself into thinking you won’t.

There is no judgement in finance, just numbers.

No matter what it is, put it in the budget.

Like blowing coke off a hooker’s ass? No judgement! Just put it in the budget!!

2. Save 20% of your income. At least. I know it seems like a lot but when that rainy day comes and you’re in a jam you’ll be happy you did.

3. Never, ever, ever take money out of your 401k. This also applies for when you leave one job for another. ROLL THAT SHIT OVER!! Taxes and penalties aside, for those of you how don’t know how compounding interest works take a look at this:compound_interestBasically your interest is earning interest. You earn $50 from year 0 – 1. But in year 1-2, now that your total is $150, you earn $75 for the year, giving you $225. In year 2-3 you have $225, so you earn $112.50. In 3 years you more than double your return. Think about what that would look like over 20 years!

That’s a shit-ton of money to lose out on for something you could probably don’t need. No one wants to HAVE to work when they’re 80. Start saving now.

3. Always, always, always, always, always, always, pay off your credit card at the end of each month. If it helps, consider it cash, whenever you use your card, enter the amount into your checkbook just like you would a debit card transaction.

4. Do NOT live beyond your means. If you haven’t earned it, don’t spend it. Ever hear the saying “Don’t borrow trouble”?? They’re talking about money!

trouble

5. For most of us, students loans are unfortunately a necessary evil and the devil writes in very small print. Make sure you know exactly what you’re taking and how much that payment will be when the piper comes a-calling.

Forbearance sounds like an awesome idea. Indefinitely defer paying my student loans?? Why not?

Just an FYI – any unpaid interest during your forbearance time period will be added to your principal. Meaning you can go from having $20,000 in student loans to $25,000 over night. And at 8% interest that makes one huge difference come pay day.

6. Having a second job will help pay for those student loans, keep you out of trouble and stop you from spending money. Think about it.

7. There is a difference between a “want” and a “need”. You need groceries. You want the new iPhone.

iphone

8. There is absolutely nothing wrong with buying generic. Paying $10 more for a bottle of lotion just because it says Aveeno on it is stupid. Don’t be stupid.

9. Being industrious can save you serious scratch. Paint your own nails, change your own oil, wash your car at home, cook meals instead of eating out, I just wouldn’t recommend cutting your own hair…

10. Always have a little “mad” money tucked away. Some days you just want to say “fuck it” and buy the new iPhone, if you have mad money set aside, you can. Second jobs are a great source of mad money.

Or if you really, really want it – PUT IT IN THE BUDGET!

What about you guys?

What are the best financial lessons you’ve learned?

How many times did it take you to learn them??

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Filed under Dollars + Sense

It’s Finally Friday!!!

Quote of the Day:

lead nowhere

Inspirational:

The best time to do anything.

Shake off that bad mood.

Climbing the Ladder:

Writing cover letters sucks. Make your cover letter suck less.

Looking for Love:

Would you sign a marriage contract??

Nesting DIY:

Upgrade those dingy plastic blinds that came with your apartment.

Wine Me, Dine Me:

Bananas+Chocolate=LOVE

Body Lovin:

that ass

Giggles and Such:

Bread bowl gives you wings!

bananas

sun shines out your bum

crop circles

Have a great weekend!

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Filed under Climbing the Ladder, DIY, Finally Friday, fitness, following your dreams, food, giggles and such, inspiration, looking for love, nesting

It’s Finally Friday!!! (sort of)

I had the most amazing experience this past weekend at The Rock N Roll Resort: v3 Tiny Rager!

I highly recommend anyone who loves art and music to go next year.

Needless to say, it’s been a rough start to the week. So we’ll be skipping straight to Friday, while I give my brain some much needed downtime.

I promise once I decompress and remember how to string intelligent sentences together, we’ll be back to our regularly scheduled programming 🙂

Quote of the Day:

breathe move on jimmy buffett quote

Climbing the Ladder:

In-box out of control?? How to keep email from taking over your life.

On the job hunt? How to stand out from the crowd.

Body Lovin’:

Tummy troubles got you down?? Try these yoga poses for improved digestion.

DIY:

Why wait years for Mother Nature to produce sea glass?? Just make your own!

Wine Me, Dine Me:

Hawaiian, Gluten-free, AND Paleo. Pretty sure they’re delicious too 🙂

Healthy pancakes??

Nesting:

Trying to decorate on a budget? Get thrifty AND creative!

Peace of Mind:

Master your fears and get happy.

Round the World:

I’m almost six monthes passed the 30 milestone but I managed to cross most of these off in time. And I can definitely fit numbers 30, 13, 6, and 2 into one epic trip 🙂

Inspirational:

In the wake of Monday’s tragedy it’s easy to lose faith in mankind. Here are 10 acts of kindness to remind you the world really is a beautiful place even if some of the people who inhabit it are not.

Giggles and Such:

dustpanlife is like a box of chocolates

milk i am your father

Have a great week(end)!

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Filed under Art, Climbing the Ladder, DIY, Finally Friday, fitness, following your dreams, food, giggles and such, growing up, Happiness Project, health, inspiration, nesting, quotes, technology, travel

It’s Finally Friday!!!

Quote of the Day:

kindness and mischief mary oliver quote

Health and Wellness:

When’s the last time you scheduled a little “me” time?

Wednesday was National Walking Day. Did you miss it?? 5 reasons you should go for a walk today!

Climbing the Ladder:

10 things to do every workday.

Round the World:

What’s better than vacationing in a tropical local?? Vacationing in a treetop hotel in a tropical local!!

Nurture Nature:

How to spot Saturn in the sky.

Looking for Love:

I don’t need a man to bring my sexy back.

Wine me, Dine me:

Delish for breakfast, better for dinner.

Inspirational:

Practice kindness, acceptance and joy.

DIY:

Summer is coming. Make your own maxi skirts.

Giggles and Such:

If these pooches don’t make you giggle you might be dead inside.

sit on a beach all daymelon collieruin your day

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Filed under DIY, Finally Friday, fitness, food, giggles and such, growing up, Happiness Project, health, inspiration, looking for love

It’s Finally Friday!!!

Quote of the Day:

beginning of something else mr rogers quote

Beautify Me:

6 green beauty recipes straight from your kitchen.

Inspirational:

Live life like a love letter. A manifesto for living positively.

Dollars and Sense:

Do you tweet? Here are 10 personal finance experts to follow.

Follow Your Dreams:

Who says you have to let your dreams die to become a “grown-up”??

Body Lovin’:

Everyone who has ever felt bad about her looks should take a gander at this.

Out on the Town:

Have you ever heard of PostSecret? It’s pretty amazing and they’re coming to Connecticut!

Giggles and Such:

32 of the world’s coolest and happiest facts 🙂

Once you find a poutine you really like, you put a ring on it.

let's see what happens

science is funny

don't trust joggersHave a great weekend!!

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Filed under beauty, Change, DIY, Finally Friday, following your dreams, food, giggles and such, growing up, health, inspiration, money, Out on the Town, photgraphy, quotes, technology, videos

It’s Finally Friday!!!

Quote of the Day:

everything happens for a reason marilyn quote

Music Makes me Happy:

I been tryin to do it right, I been living a lonely life…

Live Out Loud:

Have trouble asking for what you want? 8 tips for communicating effectively.

Luscious Locks:

Gorgeous half up look.

Inspirational:

Burn the candles, use the nice sheets, wear the fancy lingerie. Don’t save it for a special occasion. Today is special.

Wine Me, Dine Me:

Do you like tacos? Is the sky blue??

Health and Wellness: 

Stiff neck? Check out these yoga poses.

DIY: 

Super cute Valentine.

Giggles and Such:

it's winter

i'd explore her

big dill

Have a great weekend!!!

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Filed under dating, DIY, Finally Friday, following your dreams, food, friendship, giggles and such, growing up, hair tutorials, health, inspiration, looking for love, music, quotes, videos, work

It’s Finally Friday!!! (sort of…)

Apparently I was so excited it was Finally Friday I forgot to post yesterday. Better late than never right?? Enjoy 🙂

Quote of the Day:

emerson quote

Round the World: 

Looking to get away this winter without breaking the bank? Check out these top rated all-inclusive resorts.

Wine Me, Dine Me:

Crazy easy and super healthy. I usually substitute red and yellow bell peppers and sugar snap peas for the veggies.

Climbing the Ladder:

Interviews make you nervous?? Read this!

Don’t fall for these 6 career myths.

DIY:

Living wall art. So.Frigging.Cool!!!

Health and Wellness:

We all know meditation is good for us but I bet you didn’t you know all these benefits?!?

Techie Love:

Think your smartphone does everything?? Bet you didn’t know it could do this!

Friends Forever:

The grown-up way to show you’re BFF’s.

Giggles and Such:

Who’s driving that car??

Pre-heating the oven if the foreplay of baking.

you look nice today

never look back

age doesn't matter

Have a great weekend!!!

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Filed under Climbing the Ladder, DIY, Finally Friday, food, friendship, giggles and such, health, Life Style, nesting, quotes, technology, videos