H&M Jewelry Haul

Click here to see the full IG Reel where I show you all of these pieces. Some items are sold out online, but you may still be able to find them in store.

Creating a Budget That Works and Checking It Often

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Hi guys! If you’ve been following me on Instagram, you know that one of the things that I stress is the importance of balancing and rebalancing your budget often. Your budget is not like a Ronco Rotisserie (do y’all remember those?). It is not a “set it and forget it” sort of thing, especially if there’s the potential for your income to fluctuate. One of the easiest (and fastest) ways I’ve learned to rebalance is to look at percentages rather than actual dollar amounts to determine whether I’m still on track to meet my financial goals. There are certain rules of thumb that I’ve found work the best for me to avoid high recurring living expenses while simultaneously aggressively invest toward retirement, remain on track to pay off my mortgage early, still live quite comfortably (I also still shop at all my favorite stores, have Starbucks, and take time off often) and do it all on one income. Here are the guidelines that I follow that allow me to do this.

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“Go-To” Meal Ideas for Busy Moms

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Hi guys! I don’t know about you, but I feel like there is always something that needs to be done. I’m trying to be fully present while at work, fully present with my son when I’m home, and still keep up with regular workouts, my skincare routine, my devotional life, keeping the house clean, building my business – it can be a lot. The last thing I’m trying to do in the midst of all that is spend a lot of time figuring out what to cook and spend a lot of time in the kitchen. It’s just not my thing. So, this week, I looked over my recipe bank, and my son and I spent some time talking about what some of his favorite meals are while I put together this week’s meal plan. I thought it’d be fun to share what some of our go-to’s are for our busy lifestyle.

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Back to School on a Budget!

pile of fifth grade school supplies
Photo credit: Jans Life LLC

Hi guys! Let me just start by saying I cannot believe that I already have a 5th grader! If you’ve been with me for a while, you know that I have an 8 year old son, but you did read that right. He is going into the 5th grade and is super excited (and also super smart 🤓). Since he is homeschooled, our school supplies shopping may look a little different than yours, but I still thought it would be fun to share what I focused on purchasing to get him through the next year and beyond. Of course I set a budget before we got started. Let’s dive in!

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What I’m Reading: Summer 2021

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Hi guys! If you follow me on Instagram or Facebook, you may remember that I took on a reading challenge at the beginning of this year. I’ve never really been in a book club before, and I’ve never been told, ‘hey, you need to read more’, or anything like that. But it was something that I wanted to accomplish for myself. I completed a leadership program in 2019, and there was a lot of reading involved, more than I’d done in a long time. But surprisingly, I enjoyed it. I was almost looking forward to hearing what the next selection was. It was also then that I learned the type of genres and writing styles that I really liked to read. So, I started buying more books and got more as gifts over the next year and half, but as it tends to do, life happened and I didn’t make time to read. So, at the start of 2021, I made it a goal to start reading at least one book per month.

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Minimalist Coffee Bar Décor

Hi guys! I’m keeping it light, short, and sweet this week with the final tour of my completed coffee bar update. I decided to keep it minimal and clean and still very functional. It’s a coffee and a tea bar for me since I drink both – perfect for this little nook in my kitchen. Photos and links to everything I purchased are below, along with a link to a video of the full tour. This update cost me about $75 with the tea organizer being the most expensive item (but so worth it!). Click the photo or the caption linked under it to see the tour!

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Early Mortgage Payoff: How it Actually Works

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Hi guys! If you don’t have the means to pay cash for a home, then you’re likely either renting or taking out a mortgage loan to fund a purchase. There’s absolutely nothing wrong with having a mortgage. It’s how most of us were able to get into homeownership. The costs can be high though. There’s the actual down payment that needs to be saved upfront on top of the closing costs required to get the loan. Then, there’s the monthly payment itself (principal and interest) and your carrying costs (insurance, property taxes, maintenance, etc.). Depending on the type of loan that you get, these payments can be with you for a long time – a VERY long time. A common mortgage loan period is a 30-year repayment. Now, I don’t have the expertise to walk you through the various types of loans in detail, but I do know a thing or two about cutting away at that repayment period. There are ways to pay your mortgage off early, and they’re not as complicated as you may think.

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