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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Here are my favorite gems for traveling, saving money and, so much more!

Airbnb: This is my favorite way to travel. While in Italy we saved so much money using Airbnb and stayed in an amzing apartment. Airbnb is much cheaper than a hotel and, you can filter what you need for your trip. You can get an entire house or, a room in a house. It’s customized to your needs.

How Most Bloggers Go From Making $0 To Making Some Cash As A Blog : Blogging can be a very challenging experience and, I have been working very hard to understand what I need to go from $0 to $50,000 plus a year. I’ve learned a lot has to do with affilate links and, marketing. It can get a bit confusing all you can do is research and, continue to learn.

Ibotta: Clip coupons no more! This app has all the coupons you want minus the many hours of coupon clipping. I even saw 1% off ebay! Ibotta helps you save money on groceries, mobile shopping, travel and, so much more! You also get $10 just for signing up through my account. 

Ebates: Get the best deals on Ebates while collecting money! Invite friends and, get $5 bonus for each friend that signs up. Who doesn’t love building up cash to shop!

Swagbucks: Earn Swagbuck for shopping or, taking surveys. Get rewards for shopping. 

The Age Of The “20” Somethings

Lately, I have been questioning my life choices as, I think all “20” something year olds’ do. Simple thoughts like, ” Am I on the right path?”  ” Did I make the right career choice?” ” Would I have been better in a corporate environment?”

Makes me wonder about the “20” something mentality of YOLO or, original Latin phrase Carpe Diem. Are we so revolutionized that our future is not as important as, seizing the day or, that exact moment. Or, are we so worried about thinking past the present that we use those phrases as a crutch. I have been stressing out a little more lately than usual with the financial element of going to Hawaii, saving for a car, apartment and, all of my business expenses. As many jobs as I do have, the income can tend to be flaky and, I invest most of it back into my Amazon business. Money, seems to be a main stress among-st most people but, I don’t see people of “20” something generation stressing out about it as much. Is this because it will ruin the “carpe diem” idea or, because we’d rather not dwell on something that doesn’t hold as much of importance to us. Money comes and, goes but, the memories will last forever and, that seems to be where our focus is. Of course, you have the heavy party-ers, 5-9 workers, entrepreneurs and, some that are in-between.  Is it just me worrying about the unknown or, is everyone else just internalizing their fears?

The fear of completely striking out doesn’t bother me but, the fear of not being semi-financially secure and, able to solely take care of myself is a number one concern. I am going to be applying to a few waitress jobs and, I’m kind of excited/nervous. I do not have a background in waitress-ing but, I am hoping that they will give me a chance to tackle the job and, do it well. Once, I am working somewhere that allots me a steady income my insides will be a bit more at ease.

When I pass people on the street just walking I wonder about their life story. Did they have a dream they never pursued? Have they traveled? Do they live with any burdens? Do they have any advice for me about life? What are they thinking about? Are they wondering the same thing when I pass them by? We really have no idea where we are going to be five minutes from now let alone five years from now. I read an article that said would you rather own a $1,000,000 house with debt and no money in the bank or, own a smaller house with $5,000 in the bank and, no debt. My question I ask myself is, “would I rather be rich in experience or, have a rich bank account.” No, it’s not a trick question and, I have the answer for myself, I’d rather be rich in experience; I’d rather be rich in friendships, relationships and, in love with living life to the fullest. I am wondering, ” Is that a “20” somethings mindset or, are we just in-tune with how we plan to live our lives?”

Have an enlightening and, adventurous day,

allie

 


Here are my favorite gems for traveling, saving money and, so much more!

Airbnb: This is my favorite way to travel. While in Italy we saved so much money using Airbnb and stayed in an amzing apartment. Airbnb is much cheaper than a hotel and, you can filter what you need for your trip. You can get an entire house or, a room in a house. It’s customized to your needs.

How Most Bloggers Go From Making $0 To Making Some Cash As A Blog : Blogging can be a very challenging experience and, I have been working very hard to understand what I need to go from $0 to $50,000 plus a year. I’ve learned a lot has to do with affilate links and, marketing. It can get a bit confusing all you can do is research and, continue to learn.

Ibotta: Clip coupons no more! This app has all the coupons you want minus the many hours of coupon clipping. I even saw 1% off ebay! Ibotta helps you save money on groceries, mobile shopping, travel and, so much more! You also get $10 just for signing up through my account. 

Ebates: Get the best deals on Ebates while collecting money! Invite friends and, get $5 bonus for each friend that signs up. Who doesn’t love building up cash to shop!

Swagbucks: Earn Swagbuck for shopping or, taking surveys. Get rewards for shopping.