5 Do’s & Don’ts To Saving Money

Money, ma, ma, Money ooo I want that ma, ma, money…

If you don’t know that song I can’t find it so, I will link it below for you if I can find it but, this is the general jist; in life you need money. Money is frustrating it comes and goes. Most of the time it goes… It’s almost like watching every hour you spend working get wasted. Might as well take your weeks wages and toss them overboard right?

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Umm… not exactly. It’s called saving and spending wisely. Yes, money is so fucking annoying but, unfortunately it’s needed so, we must be smart. I am by no means an expert when it comes to saving but, I do have some steps that will hopefully help you.

  1.    Do                         

You may need more than one job which, means you will have a side hustle. I am all to familiar with side hustles. Unless you are on salary like, making big bucks side hustle will be where you are racking in a few extra bucks . It’s just way the cookie crumbles. We are in the age of the internet which is lucky for us. Use it to find something you are interested in such as, freelance work, pet sitting, house sitting( if you can work online and house sit you won’t have any rent expenses etc.. bonus!!). The possibilities are literally endless. If you aren’t currently working I don’t know how you are paying for anything but, you need to get on it!

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2.    Do                           

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Loves save your money! I know that new top or new gaming system looks awesome but, you currently can’t afford extras! After your expenses like rent, car etc save 75% of the rest of the money you have left over. 25% you can use to save up to go out to eat or, just for a fun night. I would say 50% in the savings account if you can. That is when the side hustle comes in… if your regular job only covers your bills your side hustle will go into savings. If you don’t have a savings account make sure you open one!

3.     Do                     

 

Bitch you’re on a budget! It’s not time to spend frivolously… Build your budget and stick to it! Your budget should include everything you need to survive. Don’t go over your budget!

 


 

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4.       Don’t               

 

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Shopping for items like clothing etc.. should either be built into your budget or, you need a new plan. If you are addicted to fashion I’m gonna need you to take a deep breath. Did you take one? Okay, you can not go shopping for clothing, shoes, accessories etc. Here is why, constant spending, not in the budget! Instead, go with a capsule wardrobe with 37 pieces of clothing for three months, basically a mini wardrobe for each season. It will prevent you from over shopping and, you should have a nice amount of cash at the end of each three months to buy a new piece for your wardrobe. Consider shopping at a thrift store it’s inexpensive and, can give your wardrobe a nice vintage feel.

 

 

5.     Don’t                

Oh the credit card. It’s not even the credit card itself it’s the obnoxious interest rate that literally makes you want to get in a ball and, cry haha. Okay I’ve been there especially with my business and, my rule now is do not swipe unless you have the money in the account. If your limit is higher than what you make in a month or two and it’s going to take you a year or more to pay it, abort!! Yes, you have to build up your credit but, do it in a smart way. Make sure you have the money to pay it over the course of a couple months. Otherwise interest rates are super high and, you will just get hit with that every month, trust me it’s horrible and, don’t do it!

 

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I hope these do’s and don’ts have helped you learn to save some of your cash money. If you have a specific topic you’d like me to cover please let me know in the comments. I will do my best to post about it in the upcoming weeks.

Have an enlightening and, adventurous day,

allie

 

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Minimalistic packing toiletries

Get It At The Goodwill Bins

Most Days we are strapped for cash and, it is no wonder because their is an ad popping up every 2 seconds showing us what next great product we can try. If you are like me, going toward a minimalist approach, zero waste and, consumer conscious lifestyle then, you will not be spending your hard earned money on useless junk. The reason I called this post “Get It At The Goodwill Bins,” was not that you should necessarily shop there but, that you become conscious about what you are bringing into your home. What do you actually need and, want your house to look like? Evaluate, take the time to think about each item you bring into your home, do you love it and, is it a sustainable piece that will last you twenty or more years. Now, when I shop I look for quality over quantity. I am aware of the waste we are producing, the slave labor for our fast fashion products and, the cheap quality.  Right now I am fortunate enough to live with my parents but, when I do move out I want my home to be my sanctuary. Do you walk into your home happy and, excited to be there or, do you walk in upset at all the clutter. I have that right now actually, one of the shelves broke in my room right before I went on vacation and, the shelving held a lot of things! Now that mixed with dirty and clean laundry, it is a bit overwhelming… But, I have a schedule set today and, that is one of the things I plan on accomplishing. Planning to take a day or, weekend and, tackle all the items that make you unhappy and, you want to toss is important. You can sell them or donate them but, the point is that you get rid of it. Make a list of items that you actually need not want but, need. How long is your list, is their a way to get these things that you need that you will feel happy buying? Personally, if I need something like a new pair of jeans that actually fit( not the ones you have tucked away in your closet when you lose those extra ten pounds, toss them they are a negative and, a reminder of something you haven’t accomplished yet) instead save up $80 for those ethical jeans that are eco-friendly, animal friendly and, sustainable. If you are investing $80 in jeans divide that by how long they will last, five or ten years, you are spending $16/year for five years for long lasting jeans, what a steal! If you are a jean wearer three pairs should last you a solid 10 years if you wash them the correct way. This is just an example of getting something that is quality over quantity. It is much easier to have your house hold reek of love, and, happiness with items you enjoy looking at. If I were to get a house/apartment etc.. I would probably fill my kitchen with items from etsy. I love buying from small businesses and, there are so many dishes that I have loved over the years. Instead of going to the dollar store or, thrift store and, getting mismatched items save up an, get one plate at a time if you have to. If the dishes at the thrift store bring you happiness pick them up. The point is to not overwhelm yourself with unnecessary clutter and, fill up you life with what you will enjoy. I have been cleaning and, getting rid of clutter an, items that I don’t use and, I don’t miss them.

Tips

  • Get rid of clutter and items you don’t love
  • Take one day to tackle one room
  • make a list of what you need
  • get sustainable items that will last for years
  • Resell on ebay, Moms on a budget, Craigs list etc..
  • Repeat until you have gone through every room
  • I hope you are happy when you walk into each room and, some items have a memory or, story to go with them

I haven’t read the whole Marie Kondo book but, I have taken some of her ideas such as, your item should bring you joy when you pick up. I still have more to go through but, I have picked up items that don’t bring me joy an, I have gotten rid of two bags. It also, awakens my mind to only purchase an item if I need it and, to get sustainable and, long lasting items. I always listen to positive and, uplifting music when I’m cleaning because it gives me a burst of energy.


How To Pack As A Minimalist

Hello Loves,

I am back from my beautiful, adventures and, scenic trip to Arizona! This trip was a bit tricky to pack because we were going from hot Phoenix, AZ to Cold Grand Canyon. Yes, there was ice and snow on the ground at the Grand Canyon and, it snowed over night while we were there. We did not hike down the mountain but, we saw almost the entire South Rim of the Grand canyon. If you follow my travel Instagram Forever Seeking Wanderlust you would have seen some incredible pictures of my trip. So, we were packing for pretty warm weather and, then cold weather. If you are trying to pack for a plane you know it is hard to figure out what to bring with you. I did over pack but, I did a pretty good job picking exactly what I was going to wear. I went with a backpack, carry on and, a bigger bag for my luggage.

  • Shoes: One Pair Of Sneakers, Hiking Shoes, Sandals and, shoes I wore on the plan slip on loafers. I ended up wearing each of these shoes multiple times. I felt I packaged exactly what I needed in shoes and, did not over pack.
  • Tops: I wore every shirt shirt I brought as expect one as, I packed enough shirts for 7 days. So, I could have left that shirt behind.
  • Bottoms: There are two pairs I did not end up wearing which were a skort and, shorts. I could have avoided bringing them because they weren’t necessary.
  • I brought earrings and, a ring that I wore almost everyday.
  • All of the toiletries I used
  • All Of The electronics I used
  • I also, used both of my bathing suits
  • All socks and, underwear were used
  • One dress was not used

I really scaled down with packing this trip and, I think I did a stellar job. Here are some tips to help you pack in a minimal way.

  • Clean every piece of clothing you own including socks and, underwear

This way you can look at your whole wardrobe to see what you might want to wear for your trip.

  • Evaluate what the weather is going to be like- You can check this on the weather channel app on your phone so, you can see the weather pattern leading up to your trip and, get alerts if the weather changes.
  • Get everything together you want to pack and, make outfits. Clothing can always be cleaned so, put together only the amount of outfits necessary for the trip. This includes jewelry, shoes and, accessories.
  • Toiletries can be tricky but, if you plan on checking your luggage have a little travel bag for all your toiletries to go into. Do not over pack your makeup you only need what you are going to use.
  • Download books or movies onto your electronic device. Lugging a book or, DVD with you is too much of inconvenience and, will not leave you with enough room for other essentials.
  • You should pack snacks and, bring food with you. It usually cost money to get food on the plane so, bringing a sandwich with you or, snack can save you from spending a lot.
  • Bring headphones to listen to your device.
  • One thing I never go to the airport without is a water bottle that you can reuse that is not filled. You can fill it up at the water fountain and you don’t have to waste a plastic bottle or, like $4.
Please let me know if you have any topics you’s like me to write about in the comments below and, I will get to them as soon as possible.
Have an enlightening and adventurous day,
allie