![]() But I have a gel nail at home routine that I use that saves me tons of money and I can switch the color whenever I want. Of course, we get drinks from time to time, but not that often. If you can cut back in one area, try this one. Drinking at a bar or restaurant is so over priced. The temperatures don't usually dip below 30 F. But truthfully, it saves tons of money and it's not that big of a deal. – AC/Heat -If you follow me on Instagram you know I make fun of Michael for never “letting” us turn on the heat. I haven't had cable for 6 years now and I'm not looking back! First, I just don't have time to watch that much TV. When we do watch something it's usually on Netflix. We cook at home more often than not, at least 5 days a week. We just moved to Nashville (well, 6 months ago!) so we want to experience the city and what it has to offer. If you can cut back on things like that (especially when grocery shopping, clothes shopping, and buying makeup) you're going to save up front. My 2 year old leather Fossil purse ($128) functions just as well as this $980 leather Gucci bag. I don't really believe in most designer name brands. The difference is saving $1,250 a month which equals to over $15,000 in one year! Now, that might not look like that big of a difference but it makes a huge difference over time. ![]() When we were in money saving mode here's what our budget looked like: Meaning, when we were in save mode, we didn't spend money like this. I'm not going to include my business expenses (like the ones I spend on my blog, you can find all of those here, but all of those come out of my business account.) We do travel about once a month and that usually costs about $1000 for plane tickets, eating out, hotels, etc. Shopping: $150 (approximately – this is on the necessities, toiletries, makeup and trips to Forever 21.) Here's a breakdown of what we spend and what we don't spend money on.įood: $400 (approximately – this is on groceries plus eating out)ĭog Food: $200 (yes, we give them like the most expensive dog food because we're insane dog people and don't want anything gross in there.) We spent roughly $6,000 total on that trip (at least).įor Michael and I, our biggest expense and greatest passion is travel. Now, while I said we didn't have any debt, we certainly did have tons of expenses. I HIGHLY recommend that you have a 6 month safety net. But we do have other accounts with money in them for emergencies. Before we left for Nashville we officially has $0 in this separate account. So, we created a separate account just for this other goal. We already had about $20,000 in savings for out “6 months savings just in case plan.” When I fell rock climbing we had to pay $14,000 out of pocket over the course of 6 months, and luckily, we had a lot saved up, otherwise we would have been in major medical debt. Six months ago we set out on a savings goal of $45,000. Which is why you'll see the difference in our spending habits above. This post was written in 2016 and while much of the information still holds true, we are making more. Now that I'm blogging full time, Michael quit his job and we are making well over that. I'd say we make a good income separately but we are by no means making $100k a year. The sooner you do, the faster you save.Ī note about how much we make. To start this post off, if you have debt, payments, etc, pay them off as fast as you can. So, we currently don't have many expenses. We paid off my car (bought in 2012) in two years, all through savings. But the number one way to save is to get rid of debt. But he worked a LOT during grad school paid off his student loans really quick. Michael went to Texas A&M with scholarships, and later went to Grad School. I went to SMU, a private university (that costs roughly $65k a year! lolz) but my parents were professors so my school was… FREE. Aside from our mortgage, we don't have any credit card debt, student loans, etc. I want to be completely upfront with you, so you should know both Michael and I have no debt. I am going to be 100% honest and show you exactly how we did it. And I'm going to tell you exactly how we did it. The other day I mentioned that we saved $45,000 in 6 months. Now, our goals of saving money are bigger than ever. I was so proud of this, I just couldn't believe we did it. 6 months later, we bought our home in Dallas. ![]() It was that packed.īut the apartment was only $600 a month and it allowed us to save up for the house. ![]() Sometimes I dreamt that the cabinet would spill out and kill me in my sleep. We were living in a 625 square foot apartment with a Doberman and a makeshift cabinet that held our wedding gifts. When Michael and I got married almost 5 years ago we had lofty goals of buying a house.
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