Target. A common known frienemy among women young and old. You walk in with the intention of getting one thing for $5 and somehow leave with $50 less in your pocket. You have less money, more stuff and yet regret nothing. It’s funny how that works. Well, imagine my joy when I went to Target, bought what I came for and then made money by the time I got to the parking lot! This is no scam, no tricky play on words. I am being totally, 100% serious; and I’m going to share with you how I did it. ‘Cuz I love ya.
Full disclosure, it took me years and years of raising kids for me to realize that I was making Christmas was more complicated and stressful than I needed to. From standing in long lines on Black Friday at 5am to trying to make sure everyone was perfectly dressed in their Christmas best. It all became too much and I found myself more stressed out at Christmas than any other time of the year. So much so that I wasn’t even able to fully enjoy the holiday itself. Then I realized, I had been doing Christmas all wrong. It was time to take a more minimalistic approach. I needed to try less, care more and eliminate all the unnecessary stuff. This is exactly what I did to create a clutter free, less stress Christmas
Have you ever been in that stage of life where a major emergency hits and you feel totally unprepared? This was basically how Tom and I lived our lives for years. We let ourselves be blindsided by everything from vet bills, to car repairs, doctor visits, holidays and even some random kid’s birthday party. Something would blindside up and we were left scrambling to find the funds to pay for it. This meant we usually turned to our credit card…because it was for emergencies after all. The sad thing was, most of these things weren’t actually emergencies. We knew the holidays were coming, we know our car will have problems eventually. Kids get sick. Pets get sick. None of these things are all that surprising. So how do you prepare for the expected unexpected? Sinking Funds! I’ve got a Sinking Funds tracker to help you plan for life’s unfortunate events so you aren’t left in a financial panic.
Minimalism is meant to be about more than just the possessions that you own or the possessions that you let go of. It’s about a mindset. A way of life. Minimalism should help you to live an all-around simpler existence. But beyond downsizing your home or decluttering your stuff, how can you downsize your life? What changes can you make that can have a ripple effect on everything else? The answer is a lot simpler than you might think. One simple statement can help you get completely clear about how to downsize your life in all areas.
You may or may not have heard of Dave Ramsey’s Debt Snowball, but if you have, believe me, you’re going to want to hear how we managed to make the snowball even faster. In just 6 months, we were able to pay off over $6,000 worth of debt! If you had told me 5 years ago that I would be able to put $1,000 per month toward debt I would have told you you were crazy. We were living paycheck to paycheck. There was no way. Here’s the breakdown of how we made it happen and how you can too.