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This post on helping you have a debt free Christmas is sponsored by Ibotta. Thank you for using my links at no additional cost to you and for supporting Pennies Into Pearls.
Are you tired of starting the new year with a pile of debt leftover after your Christmas shopping spree? Let’s change that! Think of how it’s going to feel when the bliss that comes with a debt free Christmas sets in!
This how to stop shopping post is sponsored by my FREE Budgeting for Beginners Starter Kit
I hear you Pearls! “You’ve shown us how to start a budget and you’ve shown us how to save crazy amounts of money with meal planning. But can you please show us how to stop shopping for things we really don’t need? How do we stop the urge to shop?”
That’s exactly what I’m going to help you with today!
We live in one of the most expensive cities in the United States. Home prices continue to increase faster than most other major cities, but the high expenses don’t stop there. Utilities, transportation, food, healthcare, and taxes all on average are higher in this beautiful city. This post contains 5 ways to live debt free in a high cost of living city.
Despite those odds stacked against our wallet, there are a lot of opportunities to save money and grow our side incomes while living in a high cost of living area.
Without fail, every single time I do a grocery haul I get the question, “Why don’t you shop at Walmart?” Today is the day! Today is the day that I explain myself and share with you the Walmart vs. Target showdown!
Some people might “get lucky” or be blessed with an insanely wealthy inheritance. As for the remainder of us average Janes, it is vital that we get this finance thing figured out. Our family’s future literally depends on it!
Tough love alert!
Once you allow yourself to get over the pity party and perform a self-diagnosis of what negative money mentalities are holding you back, that is the moment you direct your family on to the course working towards an insanely exciting future.
I’m so glad we failed when we did! No joke. The fact of life is that we are not going to be perfect at most things. Especially not the first time we give them a go.
Here’s the thing, I am a huge believer that there is something to be gained, a positive, an upside, however you want to word it, there is always something to learn from every experience. No matter what!
You get to choose. Do you want to continue down the Debbie Downer road, or are you going to learn from you mistake and make sure that you do better next time?
Take it up a notch, not only are you going to do better next time, but you are going to rock it out of the park!
Are You Failing?
You’re not going to be perfect with your finances. There is always going to be room to grow. SO GROW!
One of my favorite quotes from “Girl Stop Apologizing” by Rachel Hollis is, “Failure means that you’re living. Failure means you’re trying.”
Keep trying! Don’t you give up because it got a little uncomfortable!
The only way for you to truly fail is if you let the struggle paralyze you from moving forward. The only way you will fail is if you don’t keep going!
Our Pearls write me about it ALL the time and I know exactly how it feels. The complete hopelessness that comes when trying to figure out the first steps to starting a budget.
There are so many factors that play into the giant web that builds your family finances. The never ending expenses, your family income, emergency costs, and bills to name a few. Just thinking about it all quickly gets your head spinning!
Where in the world do you start? What numbers do you look at first? Right now it might feel overwhelming trying to decipher where to begin, but by the end of this article you will have a clear picture on what needs to happen first when it comes to starting a budget for the LAST TIME!