Money Matters - My Top 5 Apps

I want to take some time to share with all of you my Top 5 apps for helping to keep our money tight and right!

1)  Last week I shared YNAB with you all and this app has become the foundation of my money management.  The other day an employee from YNAB asked, "what are some ways YNAB helped you find money that was previously being wasted?" So I got to thinking, have I made any significant discoveries about our spending? I can't say that it has brought to the surface anything we didn't already know, like food categories are the big ticket items (groceries, dining out, Starbucks), but it has enlightened us to what we have become accustomed to in regards to the cost of our living.  As a result, priorities will need to be examined to determine if our money is doing what we want it to do. Most importantly, helping us achieve the financial goals we've established.  To me, that in itself is a significant discovery. 
One change I have begun to notice is that I now really analyze my choices when I'm shopping.  Do I need this item or want this item?  If needed, is it immediate or can it wait? Lastly, I look at the numbers in the budget to determine where that money might come from if it's an immediate need.  If it can wait, the item can be added to a wish list for future consideration.  Who knows, once the money does become available, I may come to find that the priorities have changed and that item is no longer considered necessary; saving money and keeping us on track to completing the goals we've established.

2)  I have been using iBill Reminder for quite some time so that I track our bills and don't miss any payments. Late fees can be ridiculous and I want to ensure any surplus we may have gets us closer to our goals and not further into debt.  With this app you can log in all your accounts with the following info for each: the payment amount, due date (can set recurrence), whether or not you have it on auto pay, and a reminder.  It helps you forecast how much money you'll need over the next few days, week, and month.  I like using it for the reminders and as a reference when budgeting in YNAB once a check comes in. 

3)  Grocery iQ is a shopping list that allows you to track your spending as you load up your cart to make sure you're staying on budget.  As you add the item to your cart, you select it, enter the price, then check it off. It then moves it to your app cart and shows you a running total of everything you've added to your real cart based on all the prices you enter.  You can add favorites with the prices you've previously entered to make creating future lists a breeze.  This feature can also be helpful in seeing the history of price changes, helping you get better at projecting your grocery budget.  An added bonus is being able to search for coupons to print before you head out based on your list items.

4)  Boxed is a great app for getting bulk items delivered straight to your door.  There are no membership fees and everything ships within 2 business days. Prices are comparable or sometimes better to big box stores and they have so much variety on everything from grocery items to household cleaning to personal care.  I get the benefit of buying in bulk without being tempted to buy 10 lb bag of ravioli they're offering samples of at the end of aisle 10. So I save on gas, membership fees, and resist temptations that can add to my overall cost.
Considering these upsides, it's certainly worth a shot - no commitment, no hassle. Plus, if you use my code, you can receive $15 off your first order of $60 or more.

5)  Ibotta is a really cool app that gives you cash back for items you already plan to purchase! You can shop anywhere from your groceries, to clothing, to travel expenses and see a return.  I usually get cash back on my WinCo or Target shopping trips. You can even get cash back on your Boxed orders because lots of different kinds of mobile shopping is included! For my crafty lovers out there, you can even earn cash back on Joann's or Etsy purchases 😍. For in store purchases, "unlock" the items you plan to purchase by answering a one question survey or watching a 15 second video, then take a picture of your full receipt and send it through the app to get cash back.  Any mobile purchases (Etsy, Hotels.com, Amazon), simply find the offer in your Ibotta app and click on it so that it routes you to the appropriate mobile app.  Complete your purchase and Ibotta will make note of the transaction and send you your cash back so many days after delivery or so many days after your stay. Lastly, you can link your loyalty card (Best Buy) and let Ibotta take care of logging your purchases. You can then turn all that cash back into gift cards or send it to your PayPal or Venmo account. Use my code to get started! Then once you have yours, refer your friends to earn additional cash back!
One word of caution, don't just add things for the sake of getting cash back, otherwise, you defeat the purpose of reeling in your spending and making the most of your savings.

I would love to hear about any money saving tips you have or apps you love - share in the comments below! 

Money Matters - You Need A Budget

I don't remember my first experience with money management, but I do remember my mom being religious about balancing her checkbook.  To this day, she still relies heavily on keeping that book on point. But one thing we never really discussed is maintaining a budget. I've heard the term and understood the premise behind it, but never really new how to sculpt one out.  It seemed like something that was rigid, fixed, involved Excel, and was very intimidating. When I was single I just made sure I had enough money to cover bills that were due before the next check came in, along with some fun money.

Then I got married and I still operated the same way. Just before our first child was born, my husband decided to go full time in the world of sales as a real estate agent, I left my full-time salaried position and didn't plan on ever going back.  There we were, ready to be responsible for a tiny brand new human, with no clue as to when the next check would come in, and the market was still trying to make its way out of the sinkhole of the recession. Yet, I still didn't make an effort to create a budget.  When you're in this position you find yourself living paycheck to paycheck, no matter how much money is coming in.

I would randomly search Google for "ways to budget with a variable income" and most of the time I was led to the envelope system or Dave Ramsey. There was something about the Ramsey site that immediately turned me off.  I'm not trying to judge, and I'm sure it works for many others, but it felt like there was so much information coming at me and I just didn't know where to start.  So I decided to give the envelope system a try, starting with those expenses that tend to sneak up on you throughout the year. It seemed like the most straightforward system and would work based on our needs.  I went a little gung-ho and created this beauty!

But as you can see, I never really touched it, I just liked the excuse to be crafty and resourceful.  I found this beautiful, durable folder at, you guessed it, Dollar Tree!  I was already well on my way to becoming a budgenista! I got on the coupon train for a while too, but that all soon faded out (no surprise there). I never used the folder and I stopped being so relentless with coupon searching.  Believe it or not, it can be ruthless out there in the world among all the coupon clippers!  I didn't last very long.  Ultimately it didn't seem worth the hassle to run around to different stores making sure I got to the stock of toothpaste that was only going to be .25 a tube, after the sale and with my coupon, before someone else cleared out the shelves.  My one major success is that I still have a major stock of shampoo and conditioner from those days!  Besides all that I recognized how important it was to maintain a budget.  Because even though those tubes of toothpaste were only .25, I needed to ensure I had the $10 I needed to buy 40 tubes of toothpaste!

I then resorted to writing things down in a ledger, but all I was doing was writing down purchases and debt payments.  I still wasn't managing the allocation of the money we did have.  I made sure the bills were paid, but I couldn't quite tell you the amount of our monthly nut (as my husband refers to it).  If my husband asked me if we had the funds to go on a fun outing with the kids, I couldn't confidently tell him we had the money for that because I really didn't know!

This is where You Need A Budget (YNAB) comes in and shakes things up in a good way.  I can't say enough about this program.  Simply stated, it's an app that allows you to create, reference, and alter your budget.  You can also access it on a desktop by logging in to the website.  It is extremely user friendly and has made me feel more confident with managing our money.  I now know that having a budget does not mean you are stuck within rigid parameters based on your income.  Fundamentally, YNAB teaches you to simply be aware of where your money is going and allows you to examine your priorities by always following the 4 Rules: 1) Give every dollar a job, 2) Embrace your true expenses, 3) Roll with the punches, and 4) Age your money. 

I've been using it consistently since August and so far, it's proven to be extremely helpful!  As of this post we've managed to fund some future trips and get slightly ahead on some bills for next month because I can confidently say that we have the money to do that! It's all right there in front of me!  I'm looking forward to getting even more familiar with all the features the app has to offer and am continually soaking in all kinds of information from YNAB's resources.  

They don't just give you the functional tool to set up and keep a budget, they offer free workshops, forums, docs, podcasts (also available through your podcast app for iphone users), weekly newsletters, weekly videos (whiteboard Wednesdays), and blog posts.  By no means would I call my self an expert and I have barely begun to scratch the surface of these resources of all the cool things this program can do and the insight into our spending that it can provide.  I am currently hooked on working my way through the podcasts; they are short and offer huge gold nuggets of information. I can't say enough about what this program has done for my relationship with money.  I look forward to sharing so much more with all of you as my journey continues. I'm also curious to know what has your relationship with money been like? Do you have a system that you already use that you absolutely love? 

I am in no way affiliated with the website, but if you decide to do a free trial, please use my link because if you sign up at the end of your trial, you earn yourself and me a FREE month! Let me know if you have any questions in the comments below! 

You Need A Budget

Planner Culture

Last week I talked about getting back into the swing of using a planner. I didn't put too much effort into researching what was out when I chose mine because I didn't know there was a whole culture of planner addicts like myself out there.  There are several aspects that go into determining your planner style. I'd like to go through some here for those of you considering changing your current style or those of you who've never used a planner and want to make a more informed decision. Buckle in, it's a bit of a lengthy post.

Vertical vs. Horizontal
There are typically two types of layouts that you can choose from and not all planner companies offer both options. A horizontal layout may be favored if you like to be more descriptive when scheduling your day.  You could also use this format to monopolize on space by lining down the middle, as shown in the second picture here.  Then you could divide the day between home and work or day and night, or any other combo you might prefer. 
If you prefer more of a list format, then a vertical planner might make more sense. Some of them come with hour blocks already incorporated, but either way, you could still do some kind of alternative split.  I used washi tape to cover up the printed hours on my planner.  I found that I like the vertical layout, but didn't want to be restricted to the hours and decided to break up the days into different categories.

All Rights Reserved

All Rights Reserved

Dated vs. Undated
You can choose to go with an Academic year planner, where the beginning month is typically August. Or you can choose a Calendar year planner, where the beginning month is January.  At this point in time I gravitate toward calendar year, but I imagine I will transition to academic year once the kids begin elementary school. I imagine the feeling of when my year begins will start to shift in line with school because of all the activities that come along with that.

The advantages of a dated planner include being able to journal a bit on each particular day to have a record of not only what you did, but maybe how you felt, or a memory you want to have logged in writing.

The advantages of an undated planner include being able to spill over into another day if you need the extra room. You can also explore your creativity by writing the dates in a fun new way. If you've gotten into learning script lettering or modern calligraphy, putting in the dates yourself can be a way for you to practice different styles.  Lastly you can also use fun and themed stickers, which I'll get into down below.

White Space vs. No White Space
First, let me introduce you to the planner term, "spread." The word spread in planner lingo simply refers to the way you organize your layouts for the month, week, and/or day.  If you do a search for "planner spreads" in google images, you will see exactly what I'm talking about. What primarily comes up are the Erin Condren or Happy Planner spreads people have shared.  Essentially, it's the before or after of what your week looks like, after being organized, written and out, and more than likely stickerfied, (yes, I'm making that a word 😎). 

Those who like to giver their planners more of a journal or scrapbook feel tend to use sticker kits to cover up all the white space. They write on top of the sticker, rather than just leaving that space empty to write on. If you're aesthetic is more streamline, you may be okay with having white space and maybe only using the occasional decorative element.

If you want to geek out with me, there are also "plan with me" videos you can search for to get ideas about how you may want your spread to look. There's something oddly satisfying about watching others seemingly getting their lives in order while they fill out their planners 😌. Just be sure to indicate in your search which planner you're curious about, otherwise all of the initial searches are bullet journals.

Stickers - Functional vs. Decorative (or both!)
Now onto my favorite part of planning, STICKERS!! I have awakened the inner child in me when the days of Lisa Frank brightened every corner of my binder, notebook, diary, and anywhere else I could think of to put a sticker.

Remember these beauties 😍! I went nuts when it came to wanting these stickers all the time! I have awakened that desire as an adult with planner stickers. I absolutely LOVE using stickers in my planner, but tend to lean toward the cute functional ones. There are stickers that help you make lists, track habits, stay on top of bills, and just about anything you can think of to organize. I tend to lean toward a combination of functional and decorative, specifically kawaii stickers.  Kawaii is the culture of cuteness in Japan.  These kinds of stickers can be people or a number of objects personified with a face which has the eyes and mouth close together and they don't have a nose.  Here are a few examples from my personal stash.

The first picture shows a couple of my kawaii functional stickers I use for lists and meal planning.  The second picture shows strictly functional stickers.  The last picture are some kawaii fall drink decorative stickers.  Can you tell, I can't wait for fall y'all 🍁🎃🍵! The cute cups are actually extras from a sheet that included the same cups, but with numbers, so I can use them as dates for my weekly spreads in November.  Can you guess which design I chose for October?

I just love opening up my planner and seeing all these happy little face looking at me.  It helps to relieve the overwhelming feeling that might accompany seeing a weeks worth of stuff to get done.  Whatever your style might be, I recommend searching Etsy for a variety of options.  If you like anything you've seen in the pictures above, the Etsy shop names are printed on the sheets.  The mugs are also from A Happy Blue Tree, which happens to be my favorite shop 😍! Let me know in the comments below which style (functional, decorative, or both) you would prefer.  Below is a closeup of one of my weekly spreads.

                       

Writing Instruments - One color vs. Color-coded

These options are also based on your own personal aesthetic.  You can choose to keep everything written in black or blue and use your stickers to infuse color and be the more functional aspect of your system. Or you can choose to use colored markers or pencils to color code your tasks and opt for black and white stickers, there are plenty out there. If you're super minimalist, strictly black ink and B&W stickers may sound appealing.

In any case, no matter which way you're leaning, don't go crazy with committing to a style you think will work for you right out of the gate.  Just experiment until you find what works for you!  I'm still trying to figure out where I am with organizing my spread and to color-code or not to color-code is my burning question.

Next week I'll do a "plan with me" style blog to walk you through how I organize my weeks; including what items are absolutely non-negotiable and which are flexible. Let me know in the comments if there's anything else you would like to know. Thanks for your patience in getting this post out to you.  Enjoy your three-day weekend!

On the Road Again

My earliest memory is sitting on my big girl bed with my back against the wall.  My legs outstretched, not even close to reaching the edge of the bed.  I sat, grasping in my tiny  little hands a book full of beautiful pictures and even more beautiful to me, full of words.  I was four years old and in love with storytelling.  My preschool teacher, Mimi, was so great at sharing wonderful places and she took me to those places with books.  She would gather us around her on the big colorful carpet and we would all sit eagerly awaiting to be taken on the next exciting adventure.  I decided I too wanted to be able to go on adventures no matter where I was.

The first book I read

I would sit there in my spot on the bed and practice my storytelling, reading aloud; anxious to see whether or not Janet would get those new shoes she had been wanting.  My parents were busy doing things around the house.  When I came upon a word I did not know I would stop one of them as they were whizzing by my bedroom door, point to a word in the book and ask what the word was, they would say it aloud and be on their way.  I would repeat it and continue on with my story.  By the time I was ready to start kindergarten I could read that book.  I did not just memorize the story, but could read the words on the page.  I was so excited about what I could now do; enter new places all on my own.  My kindergarten teacher recognized my newfound love for reading and allowed me to read a book to my kindergarten class.  I earned a certificate for reading a book aloud and to this day it is one of the things I am most proud of. 

I say all this to say that I just realized I should have listened to my four-year-old self all along to figure out what career would suit me best.  Ultimately, in the grand scheme of things, I feel that there is some act of fate that plays a part in our lives.  Fate sets us out on a main pathway and allows us the freedom to take detours every once in a while; providing opportunities to make mistakes and hopefully learn from them, take risks and hopefully benefit from them.  After following my path for the last 29 years and taking detours here and there, I finally feel as though I am back on my main road.  For the first time in my life I feel excited and hopeful about where I want to be in regards to my career and that's teaching others how reading analytically and writing well can transform their lives. It's been a while, but I sure am glad to be back on the main road.

“What this power is I cannot say; all I know is that it exists and it becomes available only when you are in that state of mind in which you know exactly what you want and are fully determined not to quit until you find it."        - Alexander Graham Bell

Peace, Love, & Nerdy Stuff

  

Alluring Addictions

If we're all really honest with ourselves, we can all acknowledge there is something or many things in our lives for which we possess addictions.  We have these compulsions for habits or substances that can be harmful to our lives.  When they begin to significantly interfere with our productivity in our home life, career, and/or health, it's time to acknowledge these vices and begin to make the changes that are necessary to regain control over our lives...so here goes nothing.

I have a confession to make...my name is Crystal and I'm both a caffeineaholic and televisionoholic.  I have this propensity to reach for dark, syrupy, sugar laden drinks that consume an excessive amount of my daily calories that should instead be filled with something that's leafy, green, and full of vitamins.  I usually only have one 12oz. caffeinated beverage daily and that's one too many.  Fortunately I haven't gotten this deep in the world of caffeine junkies...

Check your diabetes at the door.

... but I don't want to take any chances.  I am making efforts to improve the overall health of my life for my self, my fiancé, and the family we hope to have some day.  Working full-time, soon-to-be starting school full-time, and planning a wedding, you think I would be quick to have an IV of pure unadulterated caffeine pumping through my veins around the clock!

I also have a strong affinity for watching hours of mind numbing television because my brain is consumed with all the thoughts that come with working full-time, starting school full-time, and planning a wedding.  I can't get enough of reality t.v....which we all know is not much of reality at all, but it's this drivel that helps me wash away the stress of the day.  Biz wasn't much of a T.V. guy before he and I got together, but I was slowly, unintentionally of course, persuading him over to the dark side.  Before I knew it, I was contemplating fashioning an iPhone into one of these bad boys to get my fix...

Ok...no not really, but it was getting out of control.  Alas...my loving fiancé helped snap me back to reality, our reality...not the manufactured mess that is Bravo reality (which I absolutely LOVE!).  We have both begun to make changes to make sure we maintain a productive and more healthy lifestyle.  A few weeks ago we decided to put our cable on pause for the next few months and  have begun working out pretty consistently since the beginning of the summer.  I have never, EVER, in my life lived without television and was concerned that I would go Ramotional...but so far, I have managed to stay composed.  We compromised and I have a HULU account so that I don't have to go cold turkey.  I've also made an effort, although not consistent, on drinking more water over cans of carbonated caffeine.  I'm hoping these new changes will help keep us productive and healthy.  I guess only time will tell.

I'm hoping that sharing this with all of you will help keep me accountable in my mission.  So...now that we're all well acquainted with my vices, anyone else feeling the need to share and make some changes?

Peace, Love, & Nerdy Stuff

School's Out for Summer!

School is finally over! For the semester anyway. I've been looking forward to having more time to spend with Biz and completing some overdue projects. I have compiled a list of things (in no particular order) I plan to do this summer and I'm telling you all so I can hold myself accountable! I will probably add to this list as the summer progresses. I'll keep you all updated on my progress!

1. Sand and paint shelves for office

2. Organize craft materials

3. Read at least 10 books (2/10 Completed)

4. Make scrapbook of 2010 road trip

5. Sort through bins and boxes in the garage (Completed 06/05/11)

6. Finish yarn wreath I began making

7. Hang picture gallery (Completed 06/19/11)

8. Begin making beaded head bands

9. Start making greeting cards again

10. Cook a new dish at least once a week

11. Begin outfit catalog (I will explain this one later)

1

I know not all of you are on a school schedule like I am, but everyone looks forward to summer fun right?! Do you have any "to-do's" for this summer?

Hello There!

“Don’t let your happenings destroy your happiness”

– JoJo Simmons

I know...me and my reality TV, but it was a great show! I know it seems like a strange place to get your motto from, but it works for me. It's something I always try to remind myself when things get rough and tough. More often than not, it manages to to turn my frown upside down...and when it doesn't, that's when I use my other trusty go-to.

Recently I recognized that I have had no time lately to curb my cravings for creativity with all the reading of the novels and writing of the papers to earn another degree and all. It's bananas, but I love it. I can't easily find the time to make crafty stuff. It wouldn't be sane to lug around loads of paper, a hot glue gun, a paper trimmer and buttons to whip out and get crafty when you're waiting around to have your oil changed now would it. One way I can satiate my creative appetite is to make time for blogging again and make all of you read my wonderful musings...Mwah-Ha-Ha-Ha-Ha.

Anyhoo...hope you enjoy!