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3 PSL Hacks for the Frugal Pumpkin Spice Lover

See what I did there? PSL, Pumpkin Spice Lover? Okay, more reason for me to keep my day job. But seriously, I love the pumpkin spice latte. How else would we know it’s fall here in Florida without the return of the PSL? I remember waiting for Labor Day, knowing that the time was near. Standing in the 90-degree heat, wearing a scarf that served no purpose, holding that orange drink in my hand, knowing coffee shouldn’t be that color but not caring at all. It’s a magical time. But coming in at $5.30 for a Grande the PSL is…

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Survey Sites Worth Trying

The Only 4 Survey Sites That Are Actually Worth Your Time

I have the entrepreneurial gene. I’m always working on something new that will move our family forward. And I’m always thinking of ways to make the most money for the least effort. But not everyone wants to start their own business or write for hours a day. That doesn’t mean you can’t make some extra money. Time is the #1 excuse I hear for why people can’t make more money to pay off their debt faster. I know you have a lunch break. I know you wait for the water to boil for those rice and beans. I know you…

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Healthy Lifestyle On A Budget

20 Tips for Living a Healthy Lifestyle on a Budget

Still looking for ways to amp up your health routine this year? Follow these familiar tips and a few unique ones to inspire your healthy lifestyle on a budget. 1. Walk A few extra steps today could be the start of lifelong, healthy journey. Walking in everyday situations like taking the back parking spot walking during lunch are easy. You can also walk the mall in bad weather (leave your credit card at home though) or the beach on vacation. It’s easy and can set the tone if you’re just starting a health routine. 2. Download an App From workouts…

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Best Drugstore Makeup

A Roundup of the Best Drugstore Makeup for Women on a Budget

As a budget blogger and savings enthusiast I’m excited to round up the top drugstore makeup picks from the best beauty sites out there. My makeup collection is pretty dismal. It’s a culmination of random purchases from the beauty aisle and collecting my mom’s unused products. I was going through it when we moved and thought it might be time to start adulting here. Since I’m no makeup savant and it’s taken me years to even get around to researching affordable makeup brands, I’ve compiled the real experts’ compilations and my top picks for under $10. There are makeup essentials…

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Free And Cheap Ways To Workout

Free and Cheap Ways to Workout for People who Hate the Gym

There are a ton of free and cheap ways to workout without being left to your own devices. Just because you don’t have $125 or even $30 per month to drop on fitness there’s no excuse to not be taking care of your body. The gym scares me, and I’m a pretty fit person. I have a free membership to the YMCA through one of my jobs and I have never set foot inside the gym part. I do love their Body Pump and Boot Camp classes though. I need someone telling me what to do or I’ll wander aimlessly…

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Increase Your Income

7 Money Hacks That Will Increase Your Yearly Income

Part of being able to manage your finances is being able to live with your current income. However, you may be able to make your financial situation better by increasing your monthly income. Here are seven tips to follow that could help anyone to increase their normal income. 1. Ask for a Higher Income One of the most effective ways that you can increase your income is by asking for a higher income from your employer. If you have been working a job for a period of time, you likely will find that annual raises either do not exist or…

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Ways To Do A No Spend Challenge

How to Use a No-Spend Month to Improve Your Finances

Completing a no-spend month can do more for your finances than save a few dollars in your bank account. I used them to get my spending under control and discover what I truly value and enjoy spending money on. I have a hard time playing by the rules, even if I’m the one making them. I’m either completely methodical or completely impulsive. So when I make a budget I either spend nothing, because I feel guilty or I ignore it and spend money willy nilly. That’s why I needed an “all or nothing” way to dive in and learn how…

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The No-Spend Challenge Guide

The No-Spend Challenge Guide Available on Amazon

The No-Spend Challenge Guide is Here! I’m humbled, proud, honored, and squealing with excitement to announce The No-Spend Challenge Guide is here and available on Kindle and Paperback on Amazon. Better yet it's only stinking $3.99!   We’ve all done No-Spend Challenges whether it’s out of necessity or to achieve our financial goals faster. I’ve read books on quitting spending for a year but until now there hasn’t been a comprehensive guide on how to do short challenges effectively. So I wanted to write that book.   Budgeting and money management are some of the hardest concepts for people to…

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Myth Of Moderation

Why the Myth of Moderation is Keeping you in Debt – And How to Get Out

You’ve heard it said “Everything in moderation.” Like your brain will just know when it’s achieved maximum moderation and you'll be fine. Who actually achieves their ideal of moderation? I know a lot of people who think their addictive or impulsive personality means they can’t do moderation. While there’s something to be said for how genetics and personality affect the purchases we make, overspending and impulsive spending are problems for everyone, regardless of personality type. The idea that moderation must be organically practiced is a myth. Moderation is a skill that takes building and refinement. There are actual steps you…

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Save Money In The City

How to Save Money And Pay Off Debt In The City

I hear a lot of people say they can’t save money or pay off their debt because of where they live. The jobs are in the city and that’s where the rent is high so I get why you would say that. But I live in a city and we were able to pay off $78,000 of debt in less than two years. With no handouts, gifts, or help from our parents. I live in St. Petersburg, FL, a suburb of Tampa. It’s a beach town with expensive waterfront properties and a booming tech city downtown with high rise condos…

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