Guys, I’ve officially been blogging for 3 years. THREE. YEARS. I celebrated my blogiversary back in September, and while I can’t say there haven’t been times where this has felt like job, I don’t regret all the time and effort that has gone into it. To be honest, I love doing this. I love hearing that one of my posts has helped one of you save a little more or inspired you to go kick some a$$ in this world. And while I’d like to do more (I have SO many ideas that I want to put into action), I also have a full-time job, friends, family, a house to maintain (why are there so many leaves??) and a new boyfriend. And balancing all of that can be hard.
It had been one of those harrying weeks at work – one where you feel like you have 10,000 things on your to-do list, 2 minutes to complete them all, and your stress levels are that of Russell Wilson right before he threw that pick and blew the Super Bowl this year. I was in the middle of trying to reconcile our monthly budget when I heard my phone vibrate and looked down to see a notification from Prism, a bill management app I use, alerting me that my electric bill was due tomorrow and I had yet to pay. With everything going on at work, it had completely slipped my frazzled mind that the due date was fast approaching, and as I took 30 seconds out of my day to pay the bill, I thanked my lucky stars that I had a reminder set up to avoid those annoying late fees.
I’m just going to start off with this: if you have a loan or expect to take out one for any reason – student, car, home – within the future, you will want to read this post. Trust me.
When I first started my home buying process way back in 2013, I was like a deer in the headlights: staring at this large responsibility coming my way but completely stunned as to which way to turn. I knew roughly how much I wanted to pay per month on my mortgage, and with the help of some mortgage payment calculators found through a simple Google search, I knew how that translated into a home price. However, what I didn’t know is how much it was REALLY going to cost me.
I got two different reactions when I told people I had moved to a standing desk. The first was one of jealousy…the other extreme disbelief (and not in an encouraging way). I know, it’s a fairly new trend that is just in its baby phase, but when the fitness freak in me heard that it was an option at my workplace, I couldn’t help but jump at the chance. I had spent 5 years of my life sitting roughly 9 hours a day, and let me tell you, I was doing more squats than Arnold Schwarzenegger in his prime to make sure my butt didn’t turn into cellulite city. It was getting out of control.
See if this paints a picture of you: You read all the articles online about ways to save money, make an airtight budget, and stick to it as best you can. You may go over a little on groceries, save a little on gas, but at the end of the month, you’ve come in pretty close and you’re still left with next to nothing in extra cash. So what gives?