Living Above Your Means: How to Break the Cycle

One of the toughest things I have ever had to admit out loud was that at one time, my family and I were living above our means. We got in over our heads trying to keep up with the Joneses and had to cut our loses big time. Even though this was a tough time in our lives, I am so thankful that we got smart enough to get ourselves out of the financial mess we were in. The sad part is, we were not alone in this problem. Over half of Americans are currently living paycheck to paycheck and struggling to get by. If you think you might be living above your means, keep reading and we’ll dive into how to know if you are living above your means and how to break the cycle if you are.

Create a Life You Want to Live, Not a Life You Have to Live

I have been taking a “business course” with author and speaker, Rachel Hollis. Our last lesson, she told us to think about how to explain our business to others. I wrote down a very basic, straightforward answer in my notebook. Then this morning I woke up and realized, my actual goal is a little bit bigger than “helping people simplify their lives and improve their finances.” My major goal for this blog, for my life, and for you is to help you create a life you want to live, not a life you have to live. I lived a life I had to for a while. I’ve had family members who lived a life they had to live. Then you know what happened to some of them? They stopped living. Literally. I don’t want that to be me. Or you. So, what can you do to get out of the rat race and start working on living a life you want?

How to Fake a Minimalist Home: 11 Minimalist Hacks to Fool Anyone

So this whole minimalist craze is pretty awesome, but what if you just haven’t made peace with parting with your stuff just yet? How do you give that illusion of a simple, minimalist home without actually having to have gone through the whole process? No worries, I have peeked around our house, searched all the internet photos and watched all the minimalist apartment tours and found quite a few things that minimalist homes have in common and they’re pretty easy to fake!

Wanderlust and Suburbia. Or Somewhere in Between.

Almost a decade ago, not long after my husband Tom and I got married, I couldn’t help but continuously think about how surprised I was that this was how my life had turned out. Don’t get me wrong, I loved my husband and our kids. We were so happy. I had just never pictured myself in the neighborhood with the white picket fences and perfectly manicured lawns. I had always thought I would live a wanderlust life of adventure. I would climb non-metaphorical mountains and see all the sites of the world. Still, I convinced myself that suburbia was what I needed. Suburbia was right for me. Tom was the right choice. Not some wild, untamed wanderer. Or have I been wrong this whole time?

How to Make Money Last When You Get Paid Once a Month

As a family, we have always lived off only Tom’s income. This always allowed us additional spending money — and debt payoff money from my income. I am so thankful that we have stuck to this method over the years and I believe we saved ourselves a lot of additional financial hardship by doing it this way. However, one of the toughest struggles we faced was to make our money last the entire month. You see, Tom gets paid one time at the very beginning of the month. We weren’t always great at budgeting this money and often found ourselves with nothing left 2 weeks into the month. Yeah…2 weeks. Now we have perfected our system and have great tips on how to make your money last when you get paid once a month.