Organization


Procrastination is Killing Your Dreams

I have always been a huge procrastinator.  I like to think I work well under pressure.  In high school, I would wait until the very last minute to finish up homework and projects or study for tests.  I would put all my energy and focus on the task because I knew it was the last chance I had to get it done.  Best procrastination strategy ever, right? This did not work so well in college. I feel like as life has gone on and I have gotten older, I have learned time and again that procrastination is killing my dreams. […]


Life Insurance is a Necessary Expense in Your Budget

Let’s discuss a topic that most people do not think about often enough.  Life insurance is something you should be thinking about as soon as there is someone else in your life who would be affected financially by your death. It is absolutely a necessary expense in your budget. It is always better to be protected to lessen the financial burden that death may cause for your family. While usually I am advocating for ways you should be saving money, this is an instance where I am recommending that you spend money in order to protect yourself financially in the […]


Once-a-Week Laundry Routine

It is no secret in my house that I love figuring out the most effective and productive way to get things done.  I am always trying to determine the path of least resistance that will get me the most bang for my buck. Time is money after all! As a stay-at-home-mom, one of my weekly tasks is laundry.  Everyone has their preferred laundry routine, and if you have one that works for you, that is great. I would venture to guess that most laundry routines, especially those of people who work out of the home, involve doing laundry over multiple […]


How to File Your Own Taxes with Ease

This may be your first year filing your own taxes or maybe you have been doing it for awhile now.  Regardless, I hope that tax season does not induce large amounts of stress for you.  It really does not need to be that difficult.  The keys to success when filing your taxes yourself are staying organized, starting early, and using a tax software!  I have been using TurboTax online since the first year I started filing my own taxes and I have always found the process easy and even fun (mostly because I am a numbers nerd). TurboTax walks you […]


$1000 Emergency Fund – Why It Works for Us

Ever since graduating college, I had been obsessed with having at least $10,000 in the bank.  I figured it was a good enough of an emergency fund to cover any “emergencies” that were not long-term job loss.  The problem was that I (and then we, once we were married) would either hesitate to dip into this money for “emergencies” and instead put it on a credit card or we would use the cash for something that we deemed important.  But looking back, none of those items were really that important, let alone emergencies.  Saving money is important, but make sure […]


Three Reasons to Organize Your Finances

The first three months or so, (maybe even the first whole year!) of creating and using a budget are going to be a learning experience.  If you have no idea how much money you spend in any given category when you first start out, it will take time to learn your habits, course correct, and organize your finances.  The process of creating a budget and tracking your expenses each month is going to help you tremendously. Funny how the actual practice of making and using your budget will help you become better at budgeting! How To Organize Your Expenses So […]


How Creating Financial Goals Will Help Your Finances

Last year after spending entirely too much on Christmas and putting the majority of it on a credit card, my husband and I decided that it was really time for us to take a hard look at our finances. I received my last paycheck in August of 2015 following our decision for me to stay home with our daughter.  For the next few months, we just spent time learning how to live on one income.  While we were able to do this fairly successfully, we were not being intentional with where our money was going.  As long as we came […]


How Your Morning Routine Can Change Your Life

Before I had kids, I prided myself on being super organized…in my head.  I definitely did not have a morning routine. What this means is that I could remember everything without having to use a calendar or write it down.  I had appointments, social engagements, the conversation I had with my husband about who’s turn it was to do what chore, and where I last left my wallet, keys, and phone all stored in my brain for easy access. My house, on the other hand, was not so organized.  We usually had piles of laundry (clean, dirty, and the in-between […]


Why I Create a Monthly Budget Every Month

Once upon a time I thought I was so smart and efficient for spending hours pouring over a spreadsheet and figuring out the PERFECT numbers that would make our budget work for the new year – usually based on our spending from the previous year (spending that was over budget for that year, mind you).  And thus, a vicious cycle began.  The problem was, I was setting the same numbers for each of my expense categories for each month.  So while we had a budget that we were following, we inevitably would go over budget one month because of an […]


How to Not Spend Your Savings

I have been using the best little trick since I can remember to ensure that I do not spend money allocated for savings before I actually save it. If you do not already have your paycheck direct deposited into a checking account, STOP AND DO THIS NOW.  This may seem like a no-brainer but I just want to be sure you have it done as this is key to getting your money to where it needs to be.  I am not sure that most employers even send out paper checks anymore but having your paycheck directly deposited into your account is […]