Top 10 Thrifty Wins: February

Here’s what we won in February!

1. Free mini vacation. For Rick’s office holiday party we went out of town and stayed at a hotel across from where the Green Bay Packers play. It was a nice little February getaway, and I had a really fun time meeting Rick’s coworkers. We did an escape room and then had drinks and dinner.

IMG_20190126_144840501#12. Goodwill finds. Sometimes I don’t know why I shop anywhere else. When we went to Green Bay for Rick’s holiday party, we stopped at my favorite Goodwill. Our total was about $23 which bought each of us some nice shirts. Gotta love those 50% off tags!

3. Snow/cold kept us from doing things. Trying to look on the bright side of things, the nasty weather did save us some money. We traveled less and our eating out/entertainment budget was low. I really enjoyed the days where Rick worked from home with me!

4. Lowest gas bill to date. We didn’t have to fuel up the car as much this month due to sticking around home with all this silly weather. We also combined partially used gift cards to pay for a fill-up.

5. Phone reimbursement. Rick and I have both been getting phone bill reimbursements from work. Just a really nice perk!

6. No spend girls weekend. Some friends and I got together one weekend, and we really didn’t spend much money. We made our own meals, and one friend so generously paid for our entertainment when we went out.

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Winter Workouts

7. A few recurring thrifty wins:
-We’re still using just one car.
-We still pay cheap rent (at least for three more months).
-Gave plasma.
-Free workouts.

8. Used a gift card for Valentine’s Day dinner. We enjoyed a nice, romantic Subway sandwich dinner. We’re fancy.

9. We continue to try to stretch what we have. It’d be nice to get a new tv stand, a new car, more clothes, fun makeup, etc. And we will. We’re just trying to use what we have and not buy any extras. We’ll also be moving again in a few months, so that kind of motivates me to refrain from buying stuff because we’ll just have to move it.

IMG_20190119_120812_0110. Finished up The Spender’s Guide to Debt-Free Living: How a Spending Fast Helped Me Get From Broke to Badass in Record Time by Anna Newell Jones. This girl could no longer stand how much debt she was in and was tired of her spending habits. She decided to go on a spending fast for a year, and she ended up paying off about $24,000 in 15 months. It was really inspiring!

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Top 10 Thrifty Wins: January

The new year started out with a ton of changes: new city, new apartment, new job, new thrifty wins! Here are our Top 10:

1. Cheap rent, actually no rent this month. Due to some miscommunication, we accidentally paid December’s rent twice back at the end of November. So, January’s rent had already been covered. Also, we got a good deal on a temporary lease, so it has allowed us to save some money through May.

2. Started my new job. Hooray for officially being employed! My new job allows me to work from home, so that’ll save on travel and car maintenance costs. It also comes with a few other monetary perks such as continuing education reimbursement, an office set up stipend, and some extra cash in my pocket for not taking their health insurance (we get it through Rick’s employer).

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A throwback of me with Rock Step Rick

3. Continuous free workouts in lieu of a gym membership. I do miss having a gym membership, especially when the weather is unfavorable. Rick and I agreed that we’d like to get back to the gym once the loans are gone. The beginning and middle of January had decent weather for walking and running outside. I took advantage of this and also did some at-home workouts such as youtube yoga, pilates, a HIIT workout, and the occasional dance break with Rock Step Rick.

4. Gift card date. Rick got a gift card to a Madison steak house for Christmas. We don’t eat out a lot, so this date was a special treat!

5. New plasma donation place. I found a new place to donate plasma, and it’s within walking distance from our apartment! I get $50 per donation the first 5 times I donate.

IMG_20181231_173630_01_01.jpg6. Low-key New Years celebrations. Rick and I were pretty worn out from the holidays and moving, so we decided to stay home and hang out. We enjoyed some wine and watched movies. New Years Day was super lazy as well. We went to mass, then binge-watched Superstore, ate some nachos, and relaxed. It was just what we needed!

7. Gas budget decreased. Though we did a little traveling, the amount we spent on gas decreased significantly this month. It certainly helps that Rick and I are living in the same place now and that Rick’s commute has shortened a ton.
January: $117.59
December: $312.57
November: $436.62

8. Didn’t buy a car. As I described earlier this month, Rick’s car died, and we decided to hold off on buying another one. Since I’ve been working from home, we’ve really only needed one car. We’ve been doing a better job at planning our outings or walking to our destinations when we can.

9. Free Badger hockey game. We received some hockey tickets and got to sit in a fancy box with all kinds of fancy food. They had two meat carving stations, salads, at least 20 different types of cheeses to try, Thai coconut shrimp, scallop ceviche, a variety of other appetizers and a table full of dessert. We felt like royalty!

10. Extra money. We received some money back from our security deposit, most of January’s Wausau rent, and my PTO payout check. We knew we would get some of this money, but we weren’t really sure how much to expect. The total exceeded our expectations!

 

Motivation Monday: Keep moving forward.

What an inspirational quote from Martin Luther King Jr. He said it at a rally to get young people to keep moving in the fight for justice.

What ever cause you’re fighting for, goals you’re setting, or personal battles you’re dealing with, persevere.

Fly, run, walk, or crawl. Keep at those goals— progress is progress no matter how small.

Also, take some time to remember and honor Martin Luther King Jr. today!

 

How We Started Our Journey to Financial Freedom

For the past 9 months Rick and I have been working hard at paying off our student loan debt and learning to live within our means. We’ve come a long way, and I want to share a little more about how we got started.

2 copy.jpgOur adventure began with Rick graduating from law school in December 2014. He had a fancy new juris doctor degree and about $140,000 in student loan debt.

Rick wasn’t in a big hurry to pay off this debt because he had planned to go the  –  work for the state, pay the monthly minimum and the rest will be forgiven in 10 years –  route. Starting out, his payments didn’t even cover the interest.

Side note: Not all lawyers make a lot of money starting out. But, oh, that would have been nice.

A little over a year ago, Rick started thinking about leaving the public sector, so the 10-year loan forgiveness deal would no longer stand. We started thinking about different approaches to pay off the student loans.

Soon after we got married in 2017, we decided to pay off a private loan with a high interest rate. That seemed like a logical starting point. Unsure of what to do next, we kept throwing some of our money at the loans and saving some money as well. We brought our debt down to about $100,000 toward the beginning of 2018, but we still didn’t really have a clear strategy.

Enter Dave Ramsey. I had listened to Dave’s talks as part of a wellness incentive program a few years ago, and I decided to check out his book, The Total Money Makeover, from the library.

rawpixel-602154-unsplash.jpgThis book gave us direction regarding budgeting and cutting expenses. We tracked our expenses for a bit, and in April 2018 we started our very first budget! We learned how to spend less, set aside an emergency fund (quite a bit more than the $1000 Dave recommends), and we decided on a set amount for a monthly loan payment.

Our student loan debt total was just under $100,000 that April. Our current total is $51,642.60. That’s about $48,000 paid in 9 months. Not too shabby!

We’ve had some recent changes in our life (new city, new jobs, new salaries, new expenses), and we have adjusted our budget accordingly. If we stay on pace with our projected average monthly loan payment, we’ll be debt-free by April 2020.

These are some things that have helped us so far:

Cutting Expenses:
We thought a lot about our wants vs. our needs and made some lifestyle modifications. Some of the expenses we cut included: Netflix, a gym membership, eating out, vacations, grocery bill, clothes, and other extra purchases.

Ways we made extra money:

1. We decluttered and sold some things we no longer use such as clothes, décor, books, CDs and DVDs.

2. I give plasma at least four times each month.

3. I use cashback apps and ebates.

Ways we stay motivated:img_20190109_102931995

1. Debt thermometer. I drew a thermometer and labeled the bottom of it with our total amount of debt. I put a big “0” at the top of the thermometer and dashes with amounts every $10-15,000 or so. We keep track of our progress by coloring in the thermometer a little bit when we make a loan payment. It’s super easy to make your own- clearly, you don’t have to be an artist. Or you can find plenty of free printables online.

2. This blog. I’m held accountable by my blog posts, especially the Top 10 Thrifty Wins each month. It’s a good review of our progress, and I think of how the next month can be even better.

3. Reading helpful books and blogs—The Total Money Makeover, Cut Your Grocery Bill in Half, The Power of Positive Thinking, And Then We Saved.

If you’re looking to pay off debt, save up for a house or a fun vacation, or if you just want to get a better grasp on your finances, I suggest beginning by tracking your expenses and creating a budget. See how we created our first budget to help you get started.

**This post contains affiliate links. You won’t pay any extra for making a purchase through these links, and I may earn some money to keep this blog going. I only link to products I support or use personally.

 

11 Frugal Habits That Save Us Thousands

Rick and I have learned so much over the past 8ish months since beginning our quest for financial freedom. (We’ve paid $44,000 in student loans since April!) I thought I’d share some of the habits we’ve developed since beginning our journey that have helped us to save thousands.

1. Eating in. We didn’t eat out a lot before, but we’ve really reeled it in over the last few months. Rick’s talked with his friends about doing a potluck for some of their meals when they get together. We’ve invited people over instead of going out or suggested going out for coffee or drinks instead of a full meal.

rawpixel-589073-unsplash.jpg2. Having weekly budget meetings.  We learned that we need to regularly check in with our expenses to make sure we’re staying on track. We plug what we’ve spent each week into our budget spreadsheet and then see how much we have left to spend for the rest of the month. This helps so we don’t get to the end of the month and go “oh crap, we blew our budget“.

3. Discussing purchases. We have started communicating better about what we actually need, how much things cost, and making grocery lists. Even when going clothes shopping after my clothes buying fast was up, I made a list and set a spending limit after talking with Rick about it.

4. Using the library for entertainment. I don’t care what Leslie Knope says, libraries are the best! We use the library for many of our entertainment resources such as books, audiobooks, movies, and TV series DVDs. Lately, the audiobooks have been awesome for long drives.library.gif

5. Keeping grocery shopping to once a week. We make a list of meals and snacks we’ll eat each week and then create a list of ingredients we’ll need. We shop our fridge and pantry first to make sure we use up things that are about to expire. I’ve been doing a much better job at sticking to the list without purchasing extra in the store. It’s enough to last a week, and if we missed something, we manage without it. Since making a few changes, we’ve cut our grocery bill by about $100 each month.

6. Making more meatless meals. I started a Meatless Monday recipe series last month, and I’ve found some tasty, filling recipes that don’t require meat. Before creating our budget, we spent $400+ per month on groceries. With October’s Meatless Mondays, we spent less than $300.

7. Unplugging stuff and turning out lights. Honestly, I don’t know how much money this has saved us- maybe a few dollars a month? It does help with the mentality of using only what we need and wasting less.

8. Trying at-home/outdoor workouts. The weather’s getting cooler, but we still don’t plan to get a gym membership this year. I’ve been bundling up to go for walks or runs. If it’s dark by the time I get home after work I’ve been using online workouts such as this pop pilates challenge or yoga.

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I wrapped a wine bottle in an old sweater sleeve because I ran out of wine gift bags. 

9. Using what we have first. I mentioned that we shop the fridge and pantry first before going grocery shopping. The same goes for other areas in our home. I try to use clothing in new ways and play around with different outfits to make things seem like new. We’ve gotten crafty with gift wrap and cards using supplies we have on hand. We also check the gift card drawer in our house to see if we can use a gift card for something we need to purchase. If we don’t have it, we try to borrow or buy used before purchasing something new.

10. Checking for coupons. I’m not a big couponer, but I have been checking for coupons online and in the mail lately. We’ve used coupons for eating out, haircuts, auto maintenance, donating plasma, and movie rentals. Cashback apps and Ebates have been helpful with groceries, gifts and household items, too!

11. Saying no. Sometimes things aren’t in the budget and we have to say no to ourselves and/or other people. Usually it’s not a flat-out “no”. If it’s not in the budget that month, maybe we can make room for it the next month. Or maybe we’ll suggest a less expensive option instead. Most of our friends and family members know we are working hard to pay off debt. They’ve been extremely supportive and understanding, and I can’t thank them enough!

Now, don’t think we’re always perfect. We could definitely up our game in some of these areas. Really, it’s not about being perfect, but it’s about trying our best.

We’d like to make these habits sustainable so that even when that glorious day arrives when we can finally say we’re debt-free, we’ll continue to make sound financial decisions.

What kinds of frugal habits have you developed?

**This post contains affiliate links. You won’t pay any extra for making a purchase through these links, and I may earn some money to keep this blog going. I only link to products I support or use personally.

What a Weight Loss Coach Learned About Paying Off Debt

I have been a health coach for a weight loss program for the last 3+ years, and I’ve learned so much from my patients

                   about paying off debt.

That sounds kinda odd. It’s not like my patients are all financial advisors trading money advice for weight loss tips. But I have learned a lot about goal setting and staying motivated throughout the journey, what ever the goal may be. Though the topics are completely different, I’ve found a few similarities between the processes of losing weight and paying off debt:

saad-chaudhry-775115-unsplash.jpg1. Goal setting. Setting a goal without an action plan is just a wish.

I help my patients set SMART goals with actionable steps to attain their goals. We think through any potential obstacles and strategize ways to deal with them. I ask them to visualize what reaching the goal will look like and to have a clear definition of what needs to be accomplished.

Rick and I set the goal to pay off our student loans in 2 years. We knew how much money we would have to pay each month, and we knew the specific date when we would reach our goal. We also thought about what we need to do each month in order to stay on track such as: budget, limit eating out, give plasma, and use what we have first before buying. I often imagine how it’ll feel once we are debt-free. We talk about how we’ll use the “extra” money we’ll make each month.

2. It has to be a lifestyle change. If a person follows the diet plan to lose weight, and then goes back to old eating habits, he or she will end up gaining the weight back.

Similarly, if I work hard to pay off our student loan debt, and then go back to old ways of shopping without a list, forgetting about the budget, and eating out when ever I want, I will go back to letting money control me. I will still have to be smart about my purchases and stick to many of my frugal habits.

rawpixel-1062886-unsplash.jpg3. Outside support is crucial for overcoming obstacles. Our society is not always supportive of making nutritious decisions. (Gotta love those Wisconsin cheese curds and beer, right? And no Friday night’s complete without a fish fry.) Unhealthy food is in-your-face advertised, quick, easy, inexpensive and tastes good. So it’s easy to make unhealthy decisions, and choosing more healthful, wholesome foods can require more effort.

But it’s totally possible, especially if you have a great support system. For my weight loss patients this might include: family members, friends with a similar vision, counselors, Facebook groups, additional health coaches, apps, and their doctor. When you fill your environment with supportive, positive people, you’re setting yourself up for success. Granted, each individual is responsible for his/her own decisions, but creating a supportive environment sure helps a lot.

I have found support in my husband, family members and friends as well as the online financial blogging community as we pursue our financial goals. Our society isn’t really on board with saving money and paying off debt. Usually, it wants us to buy and have more, regardless of what we can actually afford. So I set up my environment for success. Close family members and friends know we’re working on paying off our student loans and are supportive of finding inexpensive ways to spend time together. It helps to talk to other people to get their advice and ideas about saving money, or just for some positive reassurance that we’re headed in the right direction.

close-up-composition-data-6699864. Life happens, and you have to keep going. Medical bills, car trouble, unexpected house expenses. Donuts in the break room, forgetting to pack healthy food, plateaus. We plan and strategize as much as we can, but sometimes we slip up or life gets in the way. We have to learn from the experience and figure out how to deal with it in the future. Setbacks happen, and we just have to keep going.

5. Stay motivated. As with weight loss, debt repayment starts off fast, then motivation fades, and it becomes a lot harder to stick with the plan. My weight loss patients have found outside support, tracked their progress, set up mini rewards, and created visuals of what reaching their weight loss goal will look like. Many of these things have also helped me stay motivated while paying off debt .

6. There’s no shame in the journey. There are all kinds of reasons why people are in debt or have extra weight they need to lose. Judging and shaming helps no one. We should be proud of how far we’ve come, and we can’t let anyone deter us from reaching our goals.

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Top 10 Thrifty Wins: September

September rushed by in a flash! Things have been busy at work for me, Rick’s been traveling a lot, and we’ve been celebrating birthdays and the end of summer.

Throughout these happenings, I kind of felt our gazelle- like intensity slipping. We were over budget in three areas this month, we had some extra car maintenance expenses, and a few other extra expenses just sort of popped up.

That sounds kind of negative, and this post is supposed to be about thrifty WINS. So, here’s a positive spin: out of these bumps in the road on our journey to financial freedom has come a renewed sense of motivation. I looked back at a previous post, Starting Our Money Makeover, and thought about how far we’ve come. I was also reminded of a few other avenues to explore to help us save or make more money. We plan to try to sell a few things this month, continue giving plasma, look into better car insurance deals and plan a few more meatless meals.

One of the keys to staying motivated is reviewing our accomplishments and looking at how far we’ve come. So here we have it:

September’s Top 10 Thrifty Wins

1. Free haircuts. I gave Rick and myself at-home haircuts. We’ve been using these fail-proof clippers for Rick’s hair for the past 5-6 years and it has saved us hundreds.IMG_20180922_125437860

2. Reused salsa-making items. It’s become a Manthe family tradition to get together in September to make and can salsa and other tomato products. We were able to reuse our jars and rings from previous years, and I had some leftover unused lids as well. And there’s nothing better than homemade salsa with fresh ingredients!

3. Walking more. Not only is walking great exercise, but it saves money on gas and it’s better for the environment. The weather’s been beautiful, so I’ve been taking advantage of walking to more places rather driving.

4. Stayed under clothes shopping budget. My clothes buying fast was up this month, and I wanted to make sure I didn’t go crazy with my spending. I set a $100 limit, and I stayed well-below that.

5. Free clothes from a friend. My friend has been working hard at decluttering, and I was lucky to benefit from the clothes she is getting rid of. I’m so thankful for the generosity of others!

IMG_20180907_181216579.jpg6. Free produce. We scored some free produce from my dad’s garden and Rick’s mom’s neighbor’s pear tree. Again with the generosity!

7. Thrifty girls weekend. My friends are supportive of my fit and frugal lifestyle, and we planned thrifty activities such as hiking, watching Friends, chatting, and at-home manicures. We each brought snacks and meal items, so we limited our dining out.

8. Made a birthday meal. We hosted dinner for my dad on his birthday and had a great time! We made him jambalaya with zucchini cornbread and an apple crisp (from the apples we picked) for dessert. My aunt brought a nice bottle of wine, and we were able to test our fancy wine tasting glasses again. The whole meal was only a fraction of the cost of eating out.IMG_20180923_160156654_HDR

9. Apple picking date. This was a fun, cheap date one afternoon, and the apples were a pretty great deal, too!

10. Shopped around for insurance deals. This is something we’ve been meaning to do for a LONG time. We think we found a deal that will save us a few hundred dollars per year on car insurance. I only wish we would have done this sooner!

Here’s to a renewed sense of motivation for October’s Fit and Frugal Living!

**This post contains affiliate links. You won’t pay any extra for making a purchase through these links and I may earn some money to keep this blog going. I only link to products I support or use personally.

Top 10 Thrifty Wins: July

Summer is often a high-spend time of year for me. Sunshine and warmer weather bring more travel and social events. And usually more money spent. I tried to balance out a spendy June with a lean July. I’d say it was a success— here’s why:

1.Outreach location moved closer. I travel to an outreach clinic for work one day each week. I used to travel an hour away, but I switched to a different clinic, and now I only have to travel 30 minutes. I’ve been getting paid mileage, but by cutting travel time there is less wear and tear on my car, and I can reduce my environmental footprint.

activity-club-course-274133.jpg2.Cashed in on work reward points. At my work, reward points are offered to employees for a job well done or for special occasions. I decided to cash in my points to get some fancy new golf balls for Rick.

3.Got a free new phone. I was overdue for a new cell phone, and a family member got one for me – for FREE. Always an excellent price!

4.Tried some new cash back apps. Now that I have a new phone, I actually have space to download apps! I’ll see what I think of the new ones I’m trying, and I’ll share my reviews if they’re good.

5.Rick carpooled to an out-of-town guys weekend. He saved money, and the earth smiled!

6.Made our own laundry detergent. What I made is supposed to last all year, and the ingredients cost me less than $10.IMG_20180729_101756349

7.Rick made meals for guys weekend instead of going out to eat as much. He and his friends took turns making meals. It freed up money in the budget for doing other things he enjoys, like golfing.

8.Read a book on how to cut back on grocery spending. By implementing a few changes, our grocery bill was cut down to $276 this month. That’s our lowest so far! Cut Your Grocery Bill in Half with America’s Cheapest Family has some good ideas.

9.Paid off a loan with highest interest rate. This goes against Dave Ramsey’s Debt Snowball method, but the debt avalanche approach, where we pay off the loans with highest interest rates first, has been working for us. We’re still very motivated to continue our journey to financial freedom, and I’m excited about the progress we’re making. Guys, the loans are half-gone!

10.More than doubled our usual monthly loan payment. After crunching the numbers and looking at budgets from previous months, we set a higher dollar amount for our monthly loan payment in order to (hopefully) be debt free sooner. The new monthly payment won’t double, like it had this month, but we’re bumping it up quite a bit.

This post contains affiliate links. You won’t pay any extra for making a purchase through these links and I may earn some money to keep this blog going. I only link to products I support or use personally. Click Here to see my full disclosure policy.

Top Ten Thrifty Wins: April

When taking on a lengthy challenge, it’s always nice to take a moment to reflect on success. It keeps me motivated when I take a look at how far I’ve come and instills confidence that I can continue toward my goal. Cutting back on expenses to live within my means and pay off debt will be a lengthy process, so I’m going to start sharing the thrifty wins I have each month. Here’s what my husband and I did in April:

  1. Created a budget for the month. It helped us to look at our current expenses and figure out ways to cut back. We planned for the month ahead and actually came out under budget in a few areas. We’ll have to tweak a few things for next month so we’re a little closer to what we actually spend.
  2. Saved money on a bridesmaid dress. My generous and thoughtful bestie is getting married in July, and she let all the bridesmaids pick our own dresses. My generous and thoughtful sister is letting me borrow one of her dresses fo’ FREE!
  3. Signed up for cash back apps. I signed up for three cash back apps, and so far I’ve earned about $6 back. Not much yet, but I’m just getting started. They apps are super easy to use, and I’ll be sure to review them later.
  4. Cancelled our gym membership. I actually did this in March, but I had to give 30 days notice, so our last payment was in April. One less item for our May budget!
  5. Earned $400 donating plasma. Biolife’s rates went up from $50 to $60 on the second donation of the week. And they had a special to earn an extra $80 on the 8th donation of the month. Cha-ching!
  6. Froze stuff. If I noticed we had a surplus of food, I froze it to use later.

    new coat
    Just like new!
  7. Stitched up a coat to make it last. I have a coat that is getting old, and it ripped near the armpits. Although I really wanted to buy a new one, I stitched it up, and I’ll make it last another year.
  8. Spent less on car insurance. Not sure why this happened, but my car insurance bill was less than last time.
  9. Didn’t buy any clothes or shoes. I have a wish list for certain clothes items, and I could always use a new pair of shoes. I’m making what I have work for me right now, and I plan to keep this clothes shopping fast going for as long as possible!
  10. Made a large loan payment. Due to cutting costs, we were able to make a big loan payment and get closer to our financial freedom!

 

What were some of your thrifty wins last month?

 

Starting Our Money Makeover

These days, student loans seem to be the norm for almost anyone who went to college, and my husband and I are no exception. We’re about 1/3 of the way through paying off our hefty sum, and we would really like to move things along more quickly.

With that said, we needed to figure out some ways to save more money. Some of the things we already do to save money include shopping at Aldi and Goodwill, limiting eat-outs, cutting back on Christmas gifts, and shopping the sales. I thought we were doing a pretty good job, and we must have been doing something right in order to have gotten through 1/3 of the loans, right?

Right. But we can do better.

I checked out Dave Ramsey’s The Total Money Makeover from the library, and since reading through his 7 Baby Steps, Rick and I have come up with a plan to pay off the rest of these pesky loans.

So far, we’ve:
-Sold stocks (Rick LOVES stocks).
-Changed the amount we set aside for retirement.
-Gotten rid of our gym membership.
-Cut out Netflix.
-Created a detailed budget.

I think the budget is going to be the most helpful. We’ve taken a look at how we’ve spent our money over the past month and saw where improvements could be made. We’ve created what we think is a realistic budget for next month, and we are determined to stick to it.

Dave talks about staying focused and getting rid of debt with gazelle-like intensity. When a cheetah is chasing a gazelle, the gazelle needs to out-smart the super fast cheetah and run for its life. (Dave explains it better in the book.) Rick and I are going to aim to be gazelle-intense for awhile and stick to our budget until these loans are gone.

A few other things we’re going to look into to help us tackle these loans:
-Better car insurance deals
-Ways to cut back on grocery expenses
-Paying with cash
-Donating plasma

I would highly recommend reading The Total Money Makeover or any one of Dave Ramsey’s books if you are stressed about your finances. He makes excellent financial points and his program has helped millions. Click here to find more information on his website.

**This post contains affiliate links. You won’t pay any extra for making a purchase through these links and I may earn some money to keep this blog going. I only link to products I support or use personally.