As we started getting working on our house projects we worked up a budget to keep our numbers from getting nuts. House projects can be wallet sucking and we wanted to make sure we weren't getting over our heads ( okay so my husband made me make a budget ) . We were getting quotes on our kitchen and our numbers were just a little shy of what was needed for the ideal kitchen we wanted. This of course pissed me off! I wasn't mad at anyone but myself! I was so bitter that I wasn't able to fork up the remainder we needed to get the perfect look I wanted. I was not thrilled with compromising what I really wanted. I have a thriving business and really should have had a nice little chunk of money saved up. But wah, wah, wah I havn't saved a rainy day fund to be useful in this project. Well that was just enough fire under my booty to get me in gear to lock down my money big time. I researched a couple things here and there and a few resources have clicked. I wanted to share them with you so you can get your fire lit too!
Digit app:
How the Digit app looks each day!
This app is amazing! It's free which is awesome and literally saves money from right under your nose! No really! I've saved over $380 in a month and didn't even know it! Here's how it works.... Digit tracks your spending habits as well as your deposits made to your checking account. It asks you how aggressively you'd like to save and then puts aside a little each day into what I like to call a "holding tank". Some days it saves $4 and some days it sets aside $16 all depending on my spending habits. It alerts you by text every day with sassy little videos and balance updates so you know exactly where you are at. What I'm loving too is how by being more aware of how I much I can save little by little without even feeling it, it really does sensor down my frivourless spending. No more nonsense! I want more GREEN in my wallet for pretty house things!
Rich Bitch by Nicole Lapin:
I was turned on to Nicole by listening to The Lady Gang podcast. She is super sassy and beyond practical. Such a girls girl and really makes things understandable which is why I love her! She had gotten herself in debt and messed around with money a bit then decided enough was enough. She got dumped by a boyfriend because she couldn't keep up with their intellectual money talk and she decided that she was pissed and was going to educate herself on how money works and what the best ways to deal with it are. Basic style! Her book is full of sass and I want to be her best friend! She is super transparent and breaks down topics so easily that have been over my head for years! She has 12 simple steps to getting your life together financially! Major light bulbs have gone off for me in Chapter 1, 3 and 7.
Now I get it, money talk isn't fun or sexy! But not having the money to spend on what you really care about isn't fun either! I find nothing more empowering than knowing where my money is and how I plan to spend that hard earned dough on something that I really love! I'm anxious to hear if any of you girls are in the same boat and how you are getting your wallet back in check! Let me know if you try either of these things and how you like them! Cha ching!!!!