Blog - Shanae Burgin

11 Ways to Sell Your Clothes Online to Make Some Extra Cash

In a pinch and need to make some money fast?

Do you also perhaps have an excess of clothing in your closet?

It has been said that the average woman has anywhere between $1000 to $5000 dollars worth of clothing hanging in her closet. If this sounds like you, then you may have some serious money-making potential hanging on those velvet hangers right under your nose!

Now the only things left is to find the right platform to sell them on, and then get to work.

If you end up being a clothing re-selling magician and need some more ideas to make money, you should definitely check out this packed list of 75+ ways to make money. The world is your oyster, my dear, if you’re willing to do a little work.

11 Ways to Sell Your Clothes Online That You Can Start Today

Some great ways to make extra money online include selling your own clothing that you no longer wear! This list of ways to start selling your clothes online will have you making extra money in no time.

Below, I compiled a list of platforms you can use to sell your clothing online.

The options are anywhere from quick and easy (if you’re looking to make a quick buck) to more in-depth, sophisticated options (if you’re looking to perhaps make this a full-time side gig (that’s an oxymoron, but you get what I mean)).

1. ASOS Marketplace

ASOS Marketplace is definitely targeted toward 20 something-year-olds interested in vintage and high-end fashion. If you’re a fashion fanatic as well, this may be the perfect place for you to sell your clothing.

PROS:

A very professional experience for both the buyer and seller.
The seller has their own boutique within ASOS Marketplace.
Your boutique storefront can be customized to your own personal branding.
You can start selling on ASOS Marketplace with as little as 5 items.
ASOS Marketplace shares seller’s content across their own social media platforms, potentially helping with exposure.

CONS:

ASOS Marketplace takes 20% commission of each sale.
There are very strict image standards for posting your clothing (but that can really only be to your benefit).
You must sell your own vintage-inspired designs or true vintage designs older than 2000.
Not a set it and forget it option. You are running your own boutique inside ASOS, so you need to be ready to handle customer service issues in a timely, friendly manner to stay in good light with ASOS Marketplace.

2. Etsy

A great place to sell your clothing if you design and create your own styles.

PROS:

Lower fees compared to other sites. No monthly fee. 20 cent listing fee plus 5% commission from each sale. Then, if you process a credit card they charge 3% plus 25 cents. Kind of a web of fees, but still a great deal lower than what you’d pay with ASOS Marketplace.
Option to design a storefront matching your brand.
Automatic deposit for payout.
Etsy has built-in advertising tools you can use to help boost your brand.
You can create social media posts right within Etsy to share on your social media channels.

CONS:

Not a place to sell gently used clothing.
Competitive platform.

3. eBay

You can definitely sell clothes on eBay but be ready to put in a little bit more work. It’s a very competitive platform, but the good news is many people are so successful, that they have made it their livelihood to sell clothes on Ebay.

PROS:

People know what eBay is. There is a large crowd that could potentially shop for your listings.
Setup is simple. Upload your picture, apply a category, write your description, set a price, and boom, you’re done.
Tiered subscription model ranging from Starter (7.99 monthly) to Enterprise ($2,999.95 monthly).
You get 100 free listings each month. If you exceed that you are then charged 30 cents for each additional listing.
Ebay’s final value fees (processing fees, eBay commission, etc) range between 3.5% to 12%.

CONS:

Very competitive marketplace.
Not solely clothing-focused.

4. Poshmark

Poshmark has an incredibly user-friendly app making buying and selling a cinch. They even boast getting started within 30 seconds!\

PROS:

Easy to list with the app. Picture > description > price > post for sale. Done!
Shipping is paid for by the buyer.
“Posh Parties” within the app allow you to buy and sell within a group to gain awareness.
Shipping is their MVP. Once you sell something, Poshmark provides a prepaid, pre-addressed shipping label. All you need to do is slap that sucker on the box and drop it off at a carrier.
Incredible customer service and payment protection.
Can sell new and pre-used clothing.
Poshmark has a social feel to the process so it’s fun, engaging, and helpful for selling your items.

CONS:

For items under $15, Poshmark charges a 2.95% fee, and for anything over $15 they charge 20%.
Higher fees than some other platforms, but they do make the whole process super easy on both the buyer and seller.
They only ship within the 50 US States and territories.

5. ThredUP

ThredUP has a unique model. They send you a kit to fill up, then you just drop it off at ups and off it goes! Once the items sell, you get paid.

PROS:

ThredUP does all the legwork meaning they photograph, list, and ship your items once they sell.
They work hard to sell your stuff using computer algorithms and personalized ads (if you win, they win).
You can choose to either cash out or get paid in shopping credits.
Your closet cleanout kit is free.

CONS:

14 day wait period after each sale to when you get actually get paid.
How much you make isn’t set in stone. You earn anywhere from 5% to 85% of the item’s sale price.

6. Crossroads Trading

Crossroads Trading is aimed more towards the high-end clothing market and audience. If you have some expensive, authentic pieces that you are ready to part with, this could be just the place for you.

PROS:

They offer cash or trades for your clothing.
They have physical locations that you can drop your items off at for resale, or you can request a bag to mail in your clothing if you don’t have a crossroads near you.
They have an option to do in-person consultations to meet with a rep and look over your clothing and get paid right there on the spot.
If you have high-end items, you can choose to consign with them and get paid up to 70% of the item’s sale price.
They buy and sell current trends.

CONS:

If you want to get paid cash outright instead of trade, they only pay 30% of the sale price.
They prefer name brand or designer clothing.
They only accept current trends. You’re not going to be able to sell a vintage sweater or retro shoes here.

7. Tradesy

An online marketplace geared toward high fashion with an incredible customer service reputation.

PROS:

They have an app for quick and easy listing and selling.
Their listing process is simple and straightforward.
When an item sells, then send you a pre-paid kit to ship your items to the buyer.
Potential to earn more than 80% of the sale price.
Tradesy handles and pays for returns (many other platforms don’t even offer returns for the buyer). The item first hits their store where they will first inspect the item for damage, then return it to you which you can then list again. They say 80% of returns will sell again.

CONS:

Tradesy’s fees are a bit higher, but not horrible. They have a flat-rate fee of $7.50 on items less than $20 and for everything over $20, they charge just under 20% of the purchase price.
Tradesy is definitely geared toward fashion, and high-end chic brands. You won’t be able to sell that sweater from Walmart that you never wore, even though it may be in great shape.

8. Mercari

A resale site not just geared toward clothing, but items around your home as well.

PROS:

They have an app to make listing super easy.
They have a low maintenance listing process. You can do everything from home, even request a mail carrier to pick up your items from your home.
Low fees. Mercari only takes a 10% commission from each item sold.
You can choose to ship it yourself or opt for their pre-paid shipping label. If you use Mercari’s pre-paid shipping label, you’ll most likely save money (approx 30%) on shipping.
They insure shipped items valued up to $200 when you use Mercari’s pre-paid shipping label.
You get paid after the buyer rates the transaction. If the buyer doesn’t rate you within 3 days, Mercari automatically marks it as approved!
They pay you either through direct deposit or a linked instant access debit card (for a small $2 fee).

CONS:

I didn’t really find any true cons with Mercari. Although, some sellers have reported it taking months to sell items on Mercari while others have reported just a few days. Probably depends on your price and your images, so be fair in price and post good images and you’ll probably do fine.

9. Facebook Marketplace

You likely already have a Facebook account. If so you have automatic access to Facebook Marketplace.

PROS:

Free to use.
No listing fees.
Facebook won’t take a commission from you when you sell an item.
You can list all within the app.

CONS:

Not a super targeted buying audience.
Potentially limited to selling close to your geographic location.
No direction on pricing or images.
You have to pay for shipping yourself or have to meet someone in person to make the sale.

10. Local News Station Classifieds

Many news stations have a page on their website dedicated to classified ads. In fact, one near me is very popular and I’ve scored bags of baby clothes to yard toys on there and also had success selling cars and home décor. Check yours to see if there is a classifieds page.

PROS:

The buying audience is local so shipping most likely won’t be necessary.
100% of the sale price goes to you.
Posting is free and easy, you just need an account.

CONS:

There are often scammers on there trying to make a buck that you’ll most likely run into.
You have to do all the legwork of listing, pricing, posting, and communicating with buyers.
May have to meet strangers in person.
Buyers aren’t totally clothing-focused.
Buyers are usually looking for a “deal” so the resale value will be lower.
Buyers often try to get you to engage in a price war.

11. Instagram

The social aspect of Instagram makes selling things to your audience easy because they already know, like and trust you. Kind of an outside of the box place to sell your clothing, but people do it.

PROS:

You are selling items to people who likely already know you, like you and trust you.
You set the price and get 100% of the sale price.

CONS:

Transactions have to be handled off the app.
You are on your own for shipping.

So, Those Are Some Ideas to Sell Your Clothes Online

If you are someone with a healthy closet that just isn’t being utilized to its full potential, you most likely have some money-making opportunities just waiting to happen. Try out one of these platforms and get making some money!

Want a few more smart money ideas? You’ll like these posts!

Or simply follow me on Pinterest for more ideas!

5 Personal Finance Habits That Will Make You Rich

So you want to be sitting on a pile like Warren Buffett eh? That’s what almost everyone would say their dream is, but very few people actually have personal finance habits to match the dream.

But let’s not worry about that! If you are serious about getting rich because you value your time and freedom, check out these 5 personal finance habits that will make you rich. You might also want to sneak a peek at the 11 personal finance hacks you’ll wish you knew sooner.

1. Spend [a lot] less than you make.

You need to actually accumulate money from month to month in order to become rich. How exactly do you do that? For starters, spend [a lot] less than you make. The problem with this is that society has us wired to not only spend what we make but to spend waaaay more than we make, locking ourselves into consumer debt. You can’t build your future when you are busy paying off your past.

2. Spend your money to make money.

The difference between someone who is truly rich and someone who just looks rich is how they spend their money. Rich people spend their money on things that will generate an income for them. Think rental properties, businesses, investments, etc. The average Joe spends money on things that will make them look rich while in reality making them very poor. Think fancy cars, big houses, name-brand clothing, fancy restaurants.

These days, there are many options to use what you have to make money if you just try. Have big boy toys? Throw them up on outdoorsy.com and rent them out while you aren’t using them. Have a spare bedroom? Throw it up on Airbnb. Start small and switch your thinking toward “how can this make me money?” and you’ll be successful.

3. Have an emergency fund.

I know you’ve heard this tip before. But emergency funds aren’t sexy, I get that. In fact, they’re quite boring. They just sit around… waiting. They don’t compound interest, they don’t buy anything shiny, they just sit. Sit and wait to save your BOOTY! THAT’S WHAT!

Emergency funds have this incredible superpower of putting distance between you and bad things waiting to happen. They keep you out of debt, they lower stress, they are your shoulder to cry on when something bad happens. Of all the personal finance habits to have, having and actually fully-funding your emergency fund should be one.

4. Invest while you are young and do it often!

When it comes to investing, money is not your true asset. Time is. Most people wait until retirement is knocking on their door before they think about how they are going to fund it. But the earlier you start investing, the easier it is to create wealth.

$100 invested monthly, assuming a 10% return for 45 years would give you just over one million dollars at retirement. If you waited until you were 35 years old to start investing, you’d have to invest $475 a month to retire with the same one million dollars. Start early, invest often.

5. Avoid consumer debt.

Consumer debt is your everyday form of bondage. And most people willingly sign up for it! Here’s the thing. You can either pay interest on your credit cards, your car loans, and student loans or have interest paying you through investments and assets.

Having consumer debt will block you from other financial opportunities along the way. You have to have cash on hand to take advantage of opportunities, but people with consumer debt not only don’t have extra cash on hand, but they are also still paying for things they purchased years ago. Avoid debt like the plague.

Start today.

If you have the slightest desire to build wealth, then these 5 tips will positively help you. But knowing them really does nothing for you. The real question is, can you act on what you’ve learned? Are you willing to actually choose one and apply it? Gut check, huh.

11 Personal Finance Tips You’ll Wish You Knew Sooner

There are definitely some personal finance tips I wish I would have followed earlier in life. But life is full of regrets. That’s how we learn. However, today you have a choice to up-level your personal finances. Are you up for it?

Related post:

7 Bank Accounts Every Family Should Have

1. Save 10% of everything you earn

This is the first personal finance tip I got that I took seriously. It’s a very rare situation to come across a big lump some of money that you get to stuff into your savings account. Instead of keeping your eyes peeled for something that might only happen every time you get a tax return, stash away 10% of every dollar you ever earn, and do it consistently. This simple act can fluff your savings accounts or if you choose, fund your retirement accounts! I implemented this simple hack and within 6 years saved well over 100K. It’s the little, consistent things that matter most.

2. Have multiple bank accounts

Think filing cabinet for your cash. Instead of holding everything in one or two main accounts, break it down into multiple, smaller accounts. Think about the areas of your life that always seem to trip you up. Maybe it’s car repairs, home repairs, wanting cash for a vacation, having money to groom the dog… whatever! Make a savings account for these problems and start funding them. When your money is organized, you can achieve your financial goals like you were born to… because you were.

3. up-level your personal finances by Investing early and often

When it comes to investing, your biggest asset isn’t how much cash you have to invest, it’s actually time. The earlier you start investing, the easier it is to have enough for retirement. Here’s an example for you visual learners out there: In order to have 1 Million dollars for retirement, you would only need to invest 100 bucks a month (assuming a 10% return) in order to retire at 65 with 1 Million dollars. If you waited until you were 35 to start investing, you would need to invest 450 bucks a month (assuming a 10% return) in order to retire at 65 with 1 Million dollars. Time is your true asset, my friend.

4. Set specific, intentional goals

Your money simply cannot serve you if it has no purpose. This is where goal setting comes in (and that scene from The Notebook that we all love) and I get to ask you, “What do you want??” Seriously, what do you want? What do you need? Sort out your priorities, and get to work. You’ll be astonished at how quickly you accomplish things when you actually set clear, financial goals instead of just spending your money haphazardly with no clear direction.

5. Pay cash for used cars

Here’s the truth about money, wealth, and all things smart financially: We want to actually BE wealthy, not merely look rich. Buying fancy brand new cars makes you look rich while making you poor. Don’t put your cash into something that loses 11% of its value the second it’s driven off the lot and possibly 30% within the first year. Save up, buy used, pay in cash.

6. FUlly fund your emergency fund

Of all the personal finance things you wished you knew sooner, I hope you take this one very seriously. Emergency funds aren’t sexy, I know that. But they are your ticket to financial stability and success. They have this magical power to distance you from trouble that’s just waiting for the right second to bite. Imagine all the things you could do if you weren’t constantly paying for repairs or all the little things that come up in life! You could actually focus on your goals and reach them! Unexpected events happen in life. Instead of telling yourself they won’t happen to you, plan on them and prepare. This way, you aren’t derailed and you actually have a plan AND funds to cover the problem.

7. Stay out of consumer debt. period.

When you are in debt, you can’t build on your future because you are still paying off your past! Consumer debt is the enemy to true wealth. It doesn’t do anything to actually improve your financial outcome, but instead keeps you tethered to supporting someone else’s lifestyle.

8. quit yoloing

Your attitude is everything. If you go through life believing that you deserve fancy things and that “you only live once” so might as well splurge, get that fancy car, buy that big house, or constantly pay to avoid aging, you’ll go nowhere. Stop spending money to impress other people and attempting to boost your social status. It doesn’t work. The truth is, happiness, along with financial success is not coupled with how much money you spend, but how you use it strategically.

9. Dine at home

This is definitely something you’ve heard before. A budgeting basic that saves families hundreds of dollars a month because home cooked meals cost up to 60% less! Dining at home works really well at keeping you within budget and helping you meet your financial goals. Make a meal plan, grocery shop and then stick to your guns.

10. Learn investing basics early

Like we mentioned in tip #3, time is on your side when it comes to investing so don’t let the fear of the unknown keep you from investing. There is so much free content out there to keep you from dipping your toes. Commit to learning the basics right now. You don’t need to know everything, you just need to know a little bit about getting started, then go from there.

11. Spend money on memories, not stuff

It’s easy to follow society and just spend our life and money up-leveling our stuff. New truck, new house, new clothes, new tech. But if you dedicate your time and money to memories instead of stuff, you’ll have a better relationship with your loved ones and ultimately be happier. You know what the number one regret from people on their death be is? Not spending more time with those they love. Time, people… not stuff.

The Best 25+ Gift Ideas for Little Girls

It’s officially “that” time of year for me. Besides my own, all the birthdays in my little family are within the next few months. Add in the holidays and the pressure to buy the best gifts for everyone and boom baby! We’ve got a recipe for stress and an absolute burnt-out mom. Do you feel the same? Bleh.

Before you know it, Cruella Devil emerges and everyone has to duck and cover to keep their heads as my spicy side takes center stage.

It’s no fun.

So, to keep Cruella at bay and ease the stress this year, I’ve already started my hunt for the best-rated gifts for my daughters. I’ve been working on simplifying my life, so no more last-minute shopping!

25+ best gift ideas for little girls

I’m an aspiring minimalist and don’t like to buy a lot of gifts for my kids. The clutter makes me twitch.

I’ve decided that what I do get them has to fall into one of these categories:

good quality (duh)
makes me (or them) laugh
doesn’t blow our budget
useful or playful

I have been searching the Amazon internet forest for literally weeks now and with the help of family and friends, found more than 25 of the best-reviewed gifts for little girls.

If you’re like me and struggle with gift-giving, I sincerely hope this helps ease your stress as you shop for the little girls in your life.

1. Little Tykes Sport Racer (Do You Remember These?? They’re Back!!)

THEY’RE BAAAAAAACK!! This is THE hottest toy for Christmas. I love that a lot of the toys from the ’80s and ’90s are making a comeback. This one is LONG overdue. My sister had one of these and we would get rippin’ around the neighborhood drifting around corners and doing donuts in the street. This modern version has incredible reviews because this toy is a legend. You can get it here.

2. Disney Princess Comfy Clothes Edition (14 Pack)

Oh my heavens, I’m an adult and I want these! Comfy clothes are my jam! They are so cute I can’t even handle it. You can get them here.

3. LED Bicycle Lights

Here are 25+ of the best little girl gift ideas. Whether you need gift ideas for a little girl's birthday, Christmas or Easter, these ideas are sure to help! These are the best, top rated gifts for girls 4-8. #giftideas #littlegirls #Christmasgifts

My parents got these for all the grandkids on our last family vacation. Coolest. Things. Ever!! Get yours here. You’re welcome. 🙂

4. Super Foam Bow + Arrow

This baby shoots over 100 feet. Move over kid-o, it’s mom’s turn! You can get it here.

5. Pedal Go-Cart

The little girl inside of me won’t let this one pass. Queen of the sidewalk has arrived. You can check it out here.

6. Light Up LED Outdoor Gloves

Great of outdoor games, camping and chasing away monsters under the bed. You can get them here!

7. Kids Walkie Talkies (3 Mile Range)

I have fond memories of walkie talkies in car rides, on camping trips and while playing hide and seek. Such a fun idea and a fabulous gift! You can get them here.

8. Remote Control Baseball + Tennis Pitching Machine

Or…. remote control dodgeball machine. 🙂 I joke, I joke. But seriously, this would be so much fun to have around! Easy setup, easy load, easy fun! You can get it here.

9. Remote Control Star Projector Night Light

I just really think these are magical. I love that it has a remote so the kids can’t use it as an excuse to get out of bed. You can get it here

10. Create Your Own Soap + Bath Bomb Kit

My girls are obsessed with bath bombs right now. They would pass out from excitement getting this gift. Fun to make and lots of fun in the tub! You can get it here.

11. Doodle Board

These have been around a few years now and I can’t say enough good things about them. If you’ve been holding out, now is the time my friend. My daughters have spent hours on their doodle boards. Who am I kidding… I”VE spent hours on their doodle boards. Get it here.

12. Candy Chemistry Experiment Kit

Learn some chemistry while making fun treats! But maybe wait to break this game out until after the stash of Christmas candy is gone. You can get it here.

13. Illustory – Create Your Own Book!

Is your kid-o into drawing? Let them write and illustrate their own story! The printing of and delivery of their book is included with purchase- so neat! Get yours here.

14. Ukelele

Start ’em young – or old- with this seriously jazzy uke. Santa brought my daughter a Uke last year and it’s been the biggest hit. Get yours here.

15. 3D Printing Pen (with Filament)

Hey, my last retainer was 3D printed and cost me over $180 bucks. Start em’ young and they just might take real good care of you in your old age. Click here to start funding your future retirement plan (haha!).

16. Book of Knock-Knock Jokes

Because are they even really a kid if they don’t annoy someone to death with their arsenal of knock-knock jokes? Click here to get yours.

17. Mashable, Smashable Miniature Magnetic Balls

These puppies have gotten me through many hours of church and my girls love them too. Get them here.

18. Slamwich

If your kids haven’t played this game with their dad and his massive hands, they are missing out . Get it here (and ice their fingers later).

19. Otamatone – Electronic Musical Synthesizer

This is the one of the top toys in Japan right now. You can create your own music and squeeze the cheeks for vibrato. I’m laughing already. Click here to check it out.

20. Scratch and Sketch Furry Friends

Coloring and furry friends? Does it get any better than this for a little girl? This would send them to Cloud nine. Click here to snag it.

21. Bluetooth Kitty Headphones

There’s an undeniable cat obsession going on and these are too good! You can snag yours here.

22. Taylor Swift- Easy Piano Play-Along

If you’re shopping for a future piano star, this would be such a fun and unique gift for them! Learn and play along with the included audio. Click here to check it out.

23. Disney Frozen Color n’ Style Fashion Purse

An art project they can sport around in style. You can get it here.

24. Adorable Avocado Plush Pillow

Kids love silly things AND they love soft things. How cute is this avocado pillow? I love it! You can get it here. Or you can get the tasty breakfast version – Avo-toast!

25. Jookie – Stories and Music Player for Kids

Ok, this is super cool. My kids spend at least an hour in quiet time every day listening to stories streamed from my phone. This would give them control over what they want to listen to simply by popping a different character piece on top of the device. You can also turn off parental controls and use it as a Bluetooth speaker. So awesome! You can check it out here.

26. Bag of Unicorn Farts Cotton Candy

Ok, let’s be honest. This is absolutely hysterical. I can already see the tears of laughter streaming down my mom’s face as she watches everyone’s reactions to the kids opening this. It’s too good. Please get it here and laugh your heart out.

27. 4-in-1 Karaoke Bluetooth Microphone

A microphone with a built-in speaker and Bluetooth connection. This would be a blast for the kids on road trips as well as the nightly dance party in the kitchen. You can check it out here.

28. DIY Fairy Lantern Kit

My little girls would drop dead over this craft. How cute would it be to hang them up over their beds after they’ve made them? You can get the kit here.

29. Elsa Gown + Accessories

Elsa is magical to every little girl, and the only thing better than Elsa is being Elsa. You can get it here.

30. 100+ Science Projects for Kids

We took our girls to a free science event at the local college and I was shocked how much they enjoyed it, but even more so how much I enjoyed it! This idea is a win for both of you! Check it out here.

If you liked this post, you’ll appreciate these related reads:

Follow me on Pinterest for more helpful ideas!

Are you going crazy? Here are 20 ways to simplify your life this year

Learning how to simplify your life when you need to can reap some serious benefits in all departments.

I had a conversation with my mom a few weeks ago about how I miss the type of life I never had. Things like getting together with fellow women to scrub laundry and chatting about everything under the sun. I don’t really miss scrubbing laundry by hand…In reality what I miss and crave in life is simplicity, connection. Do you feel the same?

We live in a time now where we often have every hour planned out to the minute and if we happen to have time to “spare,” we fill it with social media, Netflix or some other sort of digital addiction.

If you’re feeling anxious, overwhelmed or stressed, due to all the moving parts in your life, you’ll appreciate these 19 actionable tips for simplifying your life.

Related reads and resources that will help you simplify your life this year:

Life isn’t perfect, that’s a given, but every once in awhile I get this heavy feeling in my chest that makes me want to run, fight or hide from something. I’ve learned that I get this awful feeling when I’ve got too much going on.

More importantly, I’ve learned that most of the time it’s not just the busyness of my schedule, but rather things that I’m not doing that are complicating my life. Perhaps you feel the same?

Below I’ve listed 20 ways to simplify your life, but please don’t try to shove them in (or quit them) all at once. Take a look at the list and decide on the ones that will benefit you the most and start with those.

20 ways to simplify your life this year

1. Watch less tv (or Netflix or hulu or amazon prime or...)

TV is such a time waster! Imagine all the awesome things you could do with all the time you spend watching TV each week. You could work on making some extra money, or you could improve your marriage by actually spending time with your spouse instead of just being in the same room… the list is endless!

I implemented this tip for simplifying life last week and BOY have the benefits been incredible. My husband and I were watching on average, one and a half to two hours of TV each night. Sound familiar? I know we aren’t the only ones…

Guys! That’s about 14 hours a week in zombie mode. Just over a week and a half and we have had our butts parked on the sofa for a full 24 hours. That equals roughly two and a half days a month, and about 30 days out of a year.

If you are feeling the urge to simplify your life, cutting back on TV is as simple as a push of a button (or lack thereof).

2. Get off social media + put your phone down

I could talk until I was blue in the face about the negative effects of social media and smartphones. I remember the first time I was phone snubbed in high school by my best friend. Here we are ten years later with social media addictions and phone snubbing as the social norm-while suicide rates and mental health issues are on the rise.

The influence of the adversary is too easily introduced into our lives through social media. Pornography is ever present on Instagram while Snap-chat is too often the medium used to send personal nudes to others. There is a multitude of benefits that would come from getting rid of those two apps alone.

A simple, though perhaps not easy, way of simplifying your life would be to take a social media fast. Get the apps off your phone completely, go through the withdrawals as eloquently as you can (because oh baby, they’re real). Then when they are over, enjoy the peace and quiet you feel in your heart and mind that comes from not comparing yourself to everyone else’s best, and having a constant stream of media influence pour into your mind.

It’s definitely not easy at first, but I think you’ll really enjoy the benefits that come from taking a break indefinitely from social media. I do this a few times a year and am always shocked to find out just how addicted I was. It is totally one simplification that is worth every effort.

3. Pay Off Debt

I’ve talked about getting out of debt a lot on the blog (like here and here for example) because consumer debt is the worst kind of ball and chain. It is a social norm that ruins marriages and is detrimental to families.

Imagine how much simpler life would be if you weren’t worried about meeting your minimum payments this month.

A lot of the stress we feel and the chaos that consumes our minds comes from debt. Being indebted to someone else is literally a mental prison.

Perhaps you’ll need to do something bold so you can get out of debt quicker. Maybe you’ll have to sell your car and buy something used, or perhaps you’ll have to go on a major spending freeze while you tackle your credit card debt.

Whatever it is, getting out of debt is one of the best ways to simplify your life for good.

4. Quit being a victim

Do a lot of bad things happen to you? Are a lot of people rude to you and seem to wrong you time after time? The solution to this might be a quick self-assessment through a magnifying glass- you’re a professional victim.

Whether or not bad things have happened to you is not the point. Dwelling on those things that have happened to you or the things people said or did to you is the issue. It is such a waste of energy!

Holding on to those negative feelings and stroking your grudge is not going to make you feel better or improve your future. Nor does it help you simplify your life. All it does is complicate relationships with those who are willing to spend time with you despite your negativity. Don’t burn the bridges you do have!

It’s definitely so much easier said than done, but if this sounds like something you are struggling with work on letting go of the things you are currently spending time stewing over.

If you have problems with certain people, pick one person at a time and work on finding ten things a day you appreciate about that person. This small exercise can help train your mind to find the positive no matter the circumstances instead of dwelling on the negative.

Learning to say positive things, see others in a positive way and look at your life through rose colored glasses is a wonderful way to simplify your life.

5. Eat Healthy as a way to simplify your life

God put us on this planet with a bunch of healthy foods to help take care of bodies. Then man got ~~smart~~ dumb and made the Pop-Tart.

Eating healthy foods will simplify your life by making you feel better. And when you feel better, you will have more energy for what really matters to you.

Processed foods often have so much sugar in them that after you eat them you experience a massive drop in your blood sugar resulting in that lovely groggy, “meh” feeling that we all know too well.

Start small by incorporating fresh fruits and vegetables into your diet as snacks and as you get used to that, start cooking with fresh fruits and vegetables instead of processed and packaged foods. After a while, it will become so easy to cook with fresh produce and meat that you’ll wonder how you ever survived so long on processed nonsense.

6. Read more Books

There is so much knowledge out there to be gained by reading good books. When is the last time you sat down with an awesome page-turner?

Reading a good book is also a wonderful alternative to spending time on social media. Your mind is able to focus on a story or be elevated by new ideas, but above all, just settle down-which is impossible on social media.

While reading a book you aren’t thinking about or comparing your imperfect life to someone else’s filtered life, nor are you planning ways to post a filtered version of your own life to inflate your ego (if even only subconsciously).

When it’s just you and a good book, great things happen.

7. Downsize your closet

I absolutely love this new minimalism trend that has hit like a storm, don’t you? I’ve felt so much inner peace by just having less stuff.

Go through your closet and get rid of anything you haven’t worn in six to eight months (unless you’re pregnant, then girl you’ve got to wait longer). That allows the weather to do its thing through different seasons and for you to realize what you’re needlessly hanging on to.

I’ve learned that having fewer options for things to wear has been a great benefit. We are doing less laundry, it makes choosing something to wear super simple and keeps the overall clutter down in my home.

One thing I love about getting rid of old stuff is that it makes room for new things in my life, whether that be a cleaner house, new clothes or less laundry, it’s all a welcome change.

8. Declutter your closets

I have a game closet that just makes my skin crawl every time I walk past it. Just thinking about it makes me edgy. It needs a major overhaul, and it’s going to take a while.

Perhaps you also have a few closets in your own home that require a hard hat just to crack the door open? Decide a date to clean them out – then do it. Here are a couple of closet organization ideas to get your brain thinking:

Having your closets organized will save you time, energy and mega frustration. Closets are something you literally have to go into or look at on the daily. Just looking at something nice and organized can bring peaceful feelings to your day and simplify your life.

9. Declutter Everything with a bad vibe

I don’t mean to just declutter physical items, I mean to declutter everything in your current life that is weighing you down. Good vibes only!

At my rec volleyball game last week, we were comparing steps with each other on our smartwatches when one of my friends said “I quit wearing mine. I was only averaging 2,000 steps a day. I don’t need that kind of negativity in my life!”

We all had a good laugh, but it got me thinking, she totally has a point. Every time I don’t meet my daily step goal I feel a small pang of disappointment. I never felt that until I had something tracking (literally) my every step.

What types of negativity are you hanging on to just because they are “supposed to, one day” help you do, be, or look better? Maybe it is your Fit Bit like my friend or your gym pass that you never use. Perhaps it’s a subscription to a service you don’t use anymore or weekly commitments with the neighbors you just don’t want to keep up anymore.

Get rid of it! Get rid of it all and start with a clean slate. Then over time, intentionally add the things back into your life that are going to help you love yourself more fully and truthfully.

10. Pray More to simplify your life

There is a God out there that loves you more than you can fathom. He wants the best for you and can guide you to the correct decisions to help simplify your life if you choose to seek his guidance.

I don’t know about you, but I am pulled in so many directions each day, my head feels like it’s on a swivel. The guidance of Heavenly Father is a welcome aid in this crazy world.

As I’ve tried to hand my life over to the Lord and seek guidance and direction from Him I’ve learned that what is best for me always falls into place and everything else falls out. I know the same will happen for you if you try.

If you need to simplify your life this year, but don’t know how, pray and then pray again.

11. Schedule alarms and reminders on your smart watch or google calendar - Seriously, dO IT

My college life was rigid and scheduled nearly down to the minute. I never slept through a volleyball practice and I was only nearly late to weights once in five years. Fast forward to motherhood and I swear I’m brainless. Sound familiar?

Life is busy. We need reminders. And that’s totally OK! Technology has come so far that we literally can get reminders right on our smartwatches. Take advantage of that!

There are very few things more frustrating than forgetting about an appointment or some other important commitment. Set reminder alarms on your smartwatch, set reminders on your phone, set them on your computer, write them down on the calendar hanging in your kitchen.

Having multiple reminders helps you be where you need to be when you said you’d be there. And that alone takes a lot of stress off your shoulders and simplifies your life.

12. Organize the paper clutter

I would bet that mega stack of papers on your counter is a mix between bills waiting to be paid, medical statements, coupons, and your kids’ artwork. Am I right?

Keeping a stack of paper clutter around adds a lot of stress to your life. The clutter is incredibly annoying but more importantly, the bills just chilling in that stack of paper too often miss their due dates.

Go through that stack on the counter and file away what needs to be saved into one of those cheap file folders you can tuck in a drawer, then pay the bills and throw everything else away.

And my incredibly organized sister tells me that the secret to keeping it from stacking up again is to become a “do it now” type of paper clutter person.

When the mailman brings junk mail, throw it away – right then! When the kids bring their paperwork home from school, take care of it – right then! When bills come, pay them, then file them away- right then. I’m sure you’ll love seeing your countertop again.

13. Set up and (actually) fund your emergency fund

There is so much heartache that accompanies an emergency in life. During the loss of a loved one, or loss of a job, wouldn’t it be nice if you didn’t have to worry about finances at all?

People have been encouraged to save up for a time in need since the beginning of time, yet roughly only 40% of Americans could cover an emergency expense of $1,000 if it were to crop up.

Please don’t wait for something devastating to happen to finally learn you should have saved money for a time in need. Three to six month’s worth of expenses would provide you and your loved ones with the much-needed peace and comfort in case something went terribly wrong.

As for all the other things we pretend are emergencies (but aren’t), such as the car breaking down, a home repair or new clothes, just make a few extra accounts for things like that so you can save your emergency fund for what it’s truly intended for- emergencies.

14. Take a "Think weekend"

My hubby and I got this idea from the documentary “Inside Bill’s Brain-Decoding Bill Gates” and think it’s absolutely fabulous.

Every once in a while, Bill Gates takes what he calls a “think week.” He loads up a bag of books and takes off to a tiny cabin somewhere by himself and dedicates the coming week to thinking and learning.

I would imagine that realistically for most people, an entire week would be hard to do more than once a year, but a weekend is definitely do-able. You could snag a last-minute deal at a nearby hotel and spend the weekend with some books just destressing and learning.

Doesn’t that sound like a wonderful way to simplify your life by simplifying what’s going on in your head?

15. Wake up early

“When you realize who you really are, you’ll be sorry you didn’t try harder.” – President Henry B. Eyring

I was jolted out of my lazy slumber by that quote last week. It just hit me like a ton of bricks. Why aren’t I taking advantage of the wee hours of the morning so I can have a few hours to myself? Why aren’t I trying harder? Whoooo am I?

If you ask any successful person, they would probably tell you to get up early. Getting up early plays an integral part in successful people’s careers. I would also guess that they play an integral part in happy people’s lives as well.

The early hours of the morning allow time to exercise, eat breakfast and have some personal time before the family wakes up or you hit the office for the day. Those are all very important things for overall health. And filling your own cup first is a wonderful way to simplify your life.

16. Exercise

Some things never change. It will always be a good idea to exercise and always be a bad idea to be a couch potato.

In high school, I remember my sports medicine teacher saying one day that people who run typically don’t run because they like running, they do it because they love how they feel afterward.

Having an active lifestyle has so many benefits, It pumps your body with endorphins (a.k.a. the feel-good hormones…who wouldn’t want those babies?), it can keep your weight down and your self-esteem up, and it teaches you that you can do hard things! Not to mention it keeps your body healthy and strong so you age better, lowers your risk of cancer, heart attack, osteoporosis, and type II diabetes.

If you are looking for ways to simplify your life this year, exercising would add benefits all over the dang place!

17. Get out in nature

One of my church leaders counseled last winter to get outside even though it is harder to do in the cold months. During winter, a lot of people get seasonal depression but he said that if we would make the effort to get outside, we would feel better.

Turns out that it’s scientifically proven that being out in nature has a whole slew of benefits. It boosts your energy, is good for your vision, mitigates pain, boosts your immune system and enhances creativity… just to name a few.

If you have the opportunity to do so, try something new. Hit the mountain and go trail running, hiking or biking. If you live by the water, use that to your advantage. Whatever it is, use the beautiful outdoors to simplify your life this year.

Perhaps you’ll finally understand why people who love the outdoors call themselves “outdoor enthusiasts.”

18. Automate your bills

We live in such a busy time. Things are not going to slow down and simplify for us unless we do so intentionally. Choosing to automate our bills would take quite a few “to-do’s” off our plate.

Plus, financial stress is one of the top complaints of families and individuals so automating your bills would be a smart way to simplify your life this year.

Many companies have it set up so they will automatically withdraw the payment from your account when it’s due.

Or if you’re more comfortable working through your bank, they most likely have automatic bill pay online and will send your bills to their recipients when they are due.

Whatever you choose, automating your bills would help you pay your bills on time, could possibly help you get out of debt and would definitely take some stress away from you by simplifying your finances.

19. Really decide on your priorities to SImplify your life

I totally believe that Satan’s favorite way to pull us away from God is through distraction. There are so many things we can choose to do with our lives that it’s easy to get lost in stuff that isn’t even important to us, let alone to our Heavenly Father.

Take the time to really think about what is important to you. What are you working toward as a family? As a couple? As an individual? What are your goals? What do you want to accomplish with your time on earth? What steps are you going to take to accomplish those things?

Once you have decided on the answers to these questions, decide what in your life is helping you get there, and what is distracting you from it.

Living each day is so much simpler when we have a clear purpose and we aren’t just being tossed about by the winds of distraction and insignificance. Knowing your purpose will simplify your life this year by giving you a clear direction.

20. Talk positively to your subconcious

One of the most life-changing books I have ever read is “Think and Grow Rich by Napoleon Hill.” It talks a lot about how our thoughts have the power to mold our future.

Imagine what we could do if we believed in ourselves completely despite what everyone else thought. When it comes down to it, we are the only ones stopping us from accomplishing our goals. At the end of the day, we either keep pushing forward or give in to defeat or negative thoughts.

Definitely a bummer, but at the same time, such good news because we are in total control of our efforts! Make a plan to start talking and thinking more positively to yourself. Take the idea that your mind is a garden and you need to plant flowers instead of weeds.

You are literally a child of God with an eternal destiny and infinite worth. That is a truth that no-one can change. Telling yourself this every day with emotion and faith is sure to change your own perspective, improve your self-esteem, help you feel greater love for your family as well as feel the love of God.

Experiencing the benefits of all those things is sure to simplify your life this year.

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How to do Christmas on a Budget (and still feel the magic)

First of all, good on you for looking to do Christmas on a budget (whether you chose to or were forced, I don’t care). Many people think Christmas budgeting is for the birds… crazy quacks. You though, my friend, are very wise, so let’s talk about how to do Christmas on a budget… and still feel the magic.

Related resources that will help you keep Christmas special while sticking to a budget:

Why You're a total boss for doing christmas on a budget

I just want to throw this in for those of you who may feel a little embarrassed or ashamed that you need to do Christmas on a budget this year… and perhaps a tight one at that.

Let me tell you this: You are an absolute, total boss and deserve some type of award. The easy thing to do during the holidays is to go hog wild. It takes self-control and a whole lot of strength to set and stick to a budget anyway, let alone during the holidays. But you’re doing it! You’re so cool! Don’t let comparison get you down. When the holidays are over, you’ll be the one enjoying the new year while everyone else is drowning in debt. So keep your chin up, blinders on, and stay happy my friend.

Tips for doing christmas on a budget (and not losing the magic)

We’ve been married seven years now and still haven’t had a Christmas where we aren’t on an extremely tight budget. In those seven years, we went through two job losses, five job transitions and unemployment, are growing our family and paid for my hubby’s master degree in cash. So there has always been something seriously limiting us financially, but that’s life right? So instead of ignoring that fact, we have worked hard to love the Christmas season despite the financial limitation we have experienced… and so should you.

Here are eight of my favorite ideas to make Christmas on a budget not only do-able, but enjoyable and oh, so special.

1. Focus on Traditions instead of gifts

Christmas is so much more than just December 25th. Start putting the magic into the season well before the big day comes and take the pressure off of having to make Christmas day a financial knockout. When you think back to your Christmas’s past, what traditions stand out?

My grandma passed away before I met her, but my dad brings her to life every year when he pulls out her chocolate recipes for his annual chocolate party. We help make centers as he tells stories, some of them new, some I’ve already heard 100 times, but I get to know a small piece of her as I listen. It’s magical to me and has become a nostalgia I long for.

Instead of spending a lot of money on gifts, spend more time making traditions with your own little family. And for heaven’s sake, don’t make it overwhelming. It can be something as simple as doing a candy cane hunt around the house with your kids (or spouse because who doesn’t love a good competition) or just driving around the neighborhood to see Christmas lights. Maybe it’s coloring a Christmas picture, or even painting snow. Whatever it is, focus on spending more TIME with those you love instead of spending more money on them. Here are some ideas you could start as traditions with your family:

For Kids:

“Snow Painting”- Dye a few bowls of water different colors with food coloring then bring in a cookie sheet of snow and let them paint the snow before it melts. Even better, stick them in the tub for zero mess.
“Candy Cane Hunt”- hide candy canes around the house and let your kids find them.
“Secret Service Santa”- Do service for a family member without getting caught.
“Christmas Coloring Pages”- A favorite at our house-print the same coloring page for everyone and color it together while sipping hot chocolate.

For Teens:

“Lip Sync Christmas Caroling”- Go caroling except hide a Bluetooth speaker in your coat or somewhere on the front porch and do a Christmas version of Lip Sync Idol.
“Neighborhood Photo Scavenger Hunt”- Head out in different teams with a list of Christmas related items you have to take a picture with. The first team back gets a prize. Create a shared photo album and watch the slideshow of photos once everyone is back at the house.
“Bigger or Better” Service Edition”- Instead of just asking for bigger or better items, ask if you could serve them in a “bigger or better” way than the house previous. It would be so neat to come home after helping an elderly widow move heavy furniture, or clean up dishes for a young mom or shovel snow for a neighbor. Talk about alllll the feels.

I’m telling ya, family traditions are so special. My wonderful husband started doing a chocolate kiss trail from our kids’ rooms to the Christmas tree and it has quickly become my most favorite thing…. like, ever. I always lay awake Christmas morning waiting for my little people to find the Kiss trail because their squeaky, thrilled little voices are too much for me to handle. So special.

Whatever you decide, make it yours and own it, honey

2. DOn't be shy about thrift shops

Embrace the thrift shop darlin’! We live in a time of overproduction taking the phrase “out with the old, in with the new” to be too much of a cultural norm. The good news for those of us doing Christmas on a budget is that second-hand stores are serious gold-mines if you don’t mind… digging (haha…. couldn’t help myself).

Plus, little people are so wonderful. They don’t care if something is used, they just enjoy the excitement of the season. Relish in the satisfaction of buying something awesome for next to nothing, take it home, wash it and wrap it up. I recently attended a second-hand event in my area and actually found multiple items that had never been used, still with tags on them! #thankyouverymuch

3. INTENTIONALLY LIMIT OR STAY OFF MEDIA

In 2015, the average person saw between 4,000 and 10,000 ads per day. Um… what?? That is insane. And then again when I listen to Spotify I’m forced to listen to 3-4 ads just between every few songs, and that’s only one source of media I use every day.

If you intentionally stay off of media you’ll limit the ads you interact with and will, therefore, lessen the influence they have on you and ultimately save money! Just go on a media fast and enjoy the blissful ignorance that comes with it. You’ll save oodles!

4. Theme your Christmas

When all my siblings hit the late teen-early twenties stage, we went through a phase where we themed our Christmases. It was mostly my older sister’s doing and we still tease her about it to this day, but one year we had a “homemade” Christmas (hilarious), and another year we did colors (everyone was assigned a color and the gift you got them had to be their color… mine was yellow).

But now that I’m a wife and parent whose love language is NOT gifts, I totally love the idea. It makes things a bit easier since gifting is like a foreign language to me and spending oodles “just because I should” makes me a little hard to handle.

Here are some fun themes you could do for Christmas on a budget:

“Get Your MOVE On”– Everyone gets something that makes them get out and move! (I think I’m going to push this one with the hubs this year… maybe I’ll finally get those snowshoes I’ve always “sort of” wanted).
“Self-development”– Everyone gets to sign up and take a class of their choice. I’d totally try a kickboxing class right now… what about you?
“No Name Christmas”– No names on gifts. Randomly open one and decide to keep it or give it to someone who would like it more than you.
“Stockings Only”– Exactly like it sounds. Gifts must fit in stockings.
“Vacation for Christmas”– NO physical gifts, just good ol’ quality time. Definitely my type of gift. And, if you use Pomelo Travel, which I am shameless about promoting (because they found deals that got us to Ireland for $179 RT), you could easily do a family vacation cheaper than a regular “gifty” Christmas.

5. Do anything but go into debt

What would you do differently in January if you weren’t paying off Christmas debt? I remember reading an article from a local news station last year around tax season from a man frustrated with the new tax adjustments our state implemented. He said that he had four daughters and went a little overboard on Christmas and the entire intent while making the purchases was to use his tax return to pay off the debt. Well with the new adjustments, he didn’t get a return big enough to cover his debt.

That’s absolutely insane to me, but people do it… perhaps you do it. I don’t care if you’re reading this the week before Christmas, don’t go into debt. Work hard to make do with what you have now and then save for next Christmas. Use the 12 months leading up to Christmas to save up instead of robbing your future self. You’ve got to stop the debt cycle sooner or later. Why not make that right now?

6. Something to Wear, Something to do, Something to read + Something for fun

This is our current gifting model of choice with our children. It’s too easy to go bonkers shopping so this is really for my hubby and I. It limits ourselves and therefore, limits our spending and that is a beautiful thing.

I’ve noticed that there are some other hidden benefits from choosing to model your Christmas shopping after this method too. I have little people in my house right now and doing this has kept the house from being overly-cluttered with too many toys, and I really feel like it helps avoid growing entitlement in our kids. Time will tell.

It’s easy enough. You purchase something to wear, something to read, something to do (think concert tickets or a snowboarding pass) and then something fun- like the toy they asked Santa for, if you want to go that route. And that’s it! I also love that this helps my children understand that gifts come and can be given in many different forms.

7. INtentionally Plan your shopping Purchases now

Deals are coming your way honey, and not just on Black Friday and Cyber Monday. Don’t be caught off guard or you’ll spend like a sucker.

My husband and I always sit down before Black Friday and write down what we want to get everyone in a notebook to simplify things and make sure we were on the same page. This year, I’ve upped my game and made a spreadsheet (you can use it too if you’d like- just click to copy, then share it with your spouse so you can both add to it).

I love simplicity, so it’s an easy concept. We just put down the ideas of things we want to get our loved ones and then on Black Friday we search for deals on those items. If we strike out, we do the same thing on Cyber Monday. If we strike out again, we watch through the following weeks for the item to go on sale if we really want it. We are no longer last-minute shopping, scratching our heads about what to get someone and oooooh baby do we save so much cash. I love it.

8. MAKE CHRIST THE CENTER OF IT ALL

Most of all, and definitely the tip that will have the biggest impact on your life is this: if you are feeling like your holiday season is lacking something, add more Christ. Sing about Christ, talk about Him with your family and children, read about Him and do things He would do.

The adversary wants to keep us as far away from Christ as he can and he uses distraction during the holidays. Less is definitely more when it comes to the holidays, but that’s not what Satan would want you to believe. He wants you to buy all the things, do all the things, eat all the things and stress yourself out to the max so you forget the only reason we even celebrate Christmas. If he can do that, he’s won, and you are miserable.

If you find you’re feeling “meh” during the holidays, make Christ the central focus and see how it goes. With your mind more on the Savior and less on how you can or should spend money, the right things will fall into place, including your budget. Promise.

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LET'S CHAT IN THE COMMENTS: WHAT ARE YOUR FAVORITE WAYS TO DO CHRISTMAS ON A BUDGET- AND STILL KEEP THE MAGIC?

Printable Budget Binder Workbook

Let’s bless your little budgeting heart AND help your personal finances out today with this printable budgeting binder. Your budgeting skills and finances neeeed one of these puppies. Over 190 pages of awesome. Let’s take a look at this beautiful thing.

OK folks. It’s long past time we cracked down on our personal finance habits. They need organization. They need a system. They need goals. They need to be so much more than a ball and chain !

Enter: The Budget Binder.

GET your FREE PRINTABLE BUDGET BINDER PDF (CLICK TO DOWNLOAD)

save money with a budgeting binder

Let me let you in on a little secret. I didn’t number any days in this budget binder, therefore this binder is EVERGREEN! It’s brilliant because no matter the week or the year, you can still use this binder over and over (and over) again.

Why did I choose to do that? Because quite frankly, I saw a downright gorgeous planner at Staples last year at a desperately weak moment.

I shelled out 30 bucks for that stinking thing, just to have the newness wear off and it collect dust under the couch, forgotten, next to that library book that went missing.

Six months later I found it again (and the library book, woohoo!), got excited, then instantly bugged that I had wasted six months’ worth of planner pages.

Never again.

Get your free printable budget binder PDF (click to download)

This baby is FREE-99 and the dates are NOT numbered so if you miss a few weeks, you can pick up where you left off. Save your money and improve your personal finances at the same time.

What is in the budget binder

This is a no-nonsense budget binder, just how it should be. This budget binder is great for beginners as well as the more seasoned budgeters who just need a few reminders here and there.

This FREE budgeting binder includes over 195 pages of:

Awesome motivational quotes ALLL about money.
Goals page.
Vision boards.
“No to bad habits” page.
Annual bills page (those stinkers).
Home maintenance planner.
Car maintenance planner.
Anniversary expense planner.
Vacation expense planner.
Yearly financial planning “at a glance.”
Monthly bills pages.
Grocery shopping planning pages.
Monthly calendars.
Week by week calendar (52 weeks).
“Just for Me” page (my favorite!).

Don’t have time to print right now? Pin it for later!

I hope you enjoy this little binder I’ve created. As beyond cheesy as it sounds, choosing to improve our family finances blessed our marriage, made us happier and seriously has been one of the greatest decisions we’ve ever made. I hope this budget binder can help put you in the right direction too.

CLICK HERE TO GET YOUR FREE PDF BUDGET BINDER

The Seven Bank Accounts Every Family Needs

Let’s lower your financial stress by about ten notches by helping you know what bank accounts to have for saving and spending. In fact, I’ve become quite the bank account hoarder because the benefits have been so fantastic!

Let’s just clear something up real quick since you’re here.

Having more money isn’t going to make you any happier.

In fact, it won’t even lower your stress one bit. BUT! If you are doing smart things with the money you DO have (even if it’s just five bucks) then that’s a totally different story.

how many bank accounts can you have?

If you bank at a regular bank, they often limit the amount of (free) checking and savings accounts to one or two. But if you bank at a credit union, you can often have over 20 savings accounts attached to your initial checking and savings account. Isn’t that AWESOME?? It’s like an electronic envelope system for the 21st century and it’s totally life-changing!

Definitely look into what local credit unions are available in your area, but make sure to check out their websites. You’ll be doing most of your banking from your phone or computer and it’s too much of a headache when the website or app isn’t simple and easy to navigate.

Here are the seven bank accounts to have if you are serious about shaping up financially.

bank accounts to have for financial stability

1. Checking Account #1 – “Daily Life”

This account is used for expenses that occur during regular, everyday life, hence the overly creative nickname, “Daily Life.”

Your daily expenses probably differ from mine, so only you and your spouse know what you should budget for, but here are a few ideas: groceries, gas, public transportation fees, family activities, last-minute pizza run, library fines, etc. Need a clue on how much to budget for this account? Start here.

2. Checking Account #2 - "Bills"

Put all the cash you’ll need for bills into this account every month. Mortgage, rent, car payments, internet bills, cell phone bill, etc.

By stashing it in a totally different account, you lower the risk of spending it on other things, and by not spending it on other things, you lower the risk of paying your bills late and racking up fees. Not that awesome at budgeting for bills? Start here.

3. Savings Account #1 - "Emergency Fund"

I would be absolutely shocked if this one came as a surprise to you. I am positive you’ve heard that you need an emergency fund before. QUIT DILLY DALLYING!

Life happens, so take preventative measures and make a goal of $1,000 dollars. Once you’ve reached that, work on stashing away 3-6 months worth of expenses. That way, if you or your spouse loses a job, or there is a death in the family or some other tragedy or emergency, you won’t have the added stress of coming up with the money on the spot.

4. Savings Account #2 - "Ten Percent"

This will be your secret weapon. Once you get paid, take ten percent of your paycheck and stick it into this account. This is a hands-off, totally no-touch account – for now. What you decide to do with this money is up to you, but, but I totally encourage investing it. Roth IRA and quality mutual funds are good options, but hey if you want to save it for the apocalypse, that’s cool too. You’ll be 10 percent x all your paychecks better off than everyone else.

The beauty of this account is that it provides unimaginable peace of mind and forces you to live below your means. We live in very prosperous times, and yet we spend our money like it’s our last day to live. Start and use a ten percent account and instantly become a more refined individual.

5. Savings Account #3 - "Medical"

Medical bills sink too many families. Create a savings account and work hard to have enough money in your medical account to cover your family deductible at all times.

Our family deductible is $8,000, and the chances of us having to fork that all out at once are slim to none. BUT! IF SOMETHING HAPPENED and you were definitely going to hit your deductible, then boom. You’ve got it saved up and won’t have to figure out where to pull a sudden $8,000 from.

And if you are lucky enough to have an HSA through your insurance, awesome! It’s still a good idea to have your deductible stashed away somewhere because of a little something called “out of pocket max” that goes above and beyond the deductible.

6. Savings Account #4 - "Christmas"

Oh please give your beautiful little heart a break and stop going into debt for Christmas. Here’s a little secret: Christmas is on December 25th every year. Woo! Now it will stop sneaking up on you and you can save for it and stop debt-bingeing.

7. Savings Account #5 - "Vacation"

Life is worth celebrating and sometimes we. just. need. a. break. from the daily grind. Put a percentage of each paycheck into your vacation account or put your bonus in there when you score big.

We prefer to plan our vacations around awesome deals we find. It’s just so much cheaper that way. We once found round trip tickets to Ireland for $179 apiece. Because we had money in our vacation account, we hit Ireland on a whim for our five year anniversary – and did the whole trip under $2,000.

If you’re interested, here are the best tips and practices for saving money fast for travel.

Also, we use these companies to score our deals. I pay for Pomelo’s subscription and I’m not mad about it one bit.

Pomelo Travel – Flight deals (we scored our Ireland tickets from these guys)
Scott’s Cheap Flights – Flight deals
Priceline– We just absolutely love their “Express Deals” for hotels.

There you have it! Seven bank accounts to have for saving extra, avoiding stress, arguing with your spouse, and all the other garbage that comes with bad finances.

Now, take a minute and contemplate what you are really living your life for because managing what you do have well will help make it happen. And adding these accounts to your life and using them well, will too. That is a beautiful truth!

11 Ways to Sell Your Clothes Online That You Can Start Today

1. ASOS Marketplace

2. Etsy

3. eBay

4. Poshmark

5. ThredUP

6. Crossroads Trading

7. Tradesy

8. Mercari

9. Facebook Marketplace

10. Local News Station Classifieds

11. Instagram

So, Those Are Some Ideas to Sell Your Clothes Online

1. Spend [a lot] less than you make.

2. Spend your money to make money.

3. Have an emergency fund.

4. Invest while you are young and do it often!

5. Avoid consumer debt.

Start today.

1. Save 10% of everything you earn

2. Have multiple bank accounts

3. up-level your personal finances by Investing early and often

4. Set specific, intentional goals

5. Pay cash for used cars

6. FUlly fund your emergency fund

7. Stay out of consumer debt. period.

8. quit yoloing

9. Dine at home

10. Learn investing basics early

11. Spend money on memories, not stuff

25+ best gift ideas for little girls

Follow me on Pinterest for more helpful ideas!

20 ways to simplify your life this year

1. Watch less tv (or Netflix or hulu or amazon prime or...)

2. Get off social media + put your phone down

3. Pay Off Debt

4. Quit being a victim

5. Eat Healthy as a way to simplify your life

6. Read more Books

7. Downsize your closet

8. Declutter your closets

9. Declutter Everything with a bad vibe

10. Pray More to simplify your life

11. Schedule alarms and reminders on your smart watch or google calendar - Seriously, dO IT

12. Organize the paper clutter

13. Set up and (actually) fund your emergency fund

14. Take a "Think weekend"

15. Wake up early

16. Exercise

17. Get out in nature

18. Automate your bills

19. Really decide on your priorities to SImplify your life

20. Talk positively to your subconcious

Like what you read? Follow me on Pinterest for more!

Why You're a total boss for doing christmas on a budget

Tips for doing christmas on a budget (and not losing the magic)

1. Focus on Traditions instead of gifts

2. DOn't be shy about thrift shops

3. INTENTIONALLY LIMIT OR STAY OFF MEDIA

4. Theme your Christmas

5. Do anything but go into debt

6. Something to Wear, Something to do, Something to read + Something for fun

7. INtentionally Plan your shopping Purchases now

8. MAKE CHRIST THE CENTER OF IT ALL

For more Personal Finance Ideas, Follow Me on Pinterest!

LET'S CHAT IN THE COMMENTS: WHAT ARE YOUR FAVORITE WAYS TO DO CHRISTMAS ON A BUDGET- AND STILL KEEP THE MAGIC?

save money with a budgeting binder

What is in the budget binder

Don’t have time to print right now? Pin it for later!

how many bank accounts can you have?

bank accounts to have for financial stability

1. Checking Account #1 – “Daily Life”

2. Checking Account #2 - "Bills"

3. Savings Account #1 - "Emergency Fund"

4. Savings Account #2 - "Ten Percent"

5. Savings Account #3 - "Medical"

6. Savings Account #4 - "Christmas"

7. Savings Account #5 - "Vacation"

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