“I Can Do Hard Things” – Spending Fast Update

i can do hard things andthenwesaved.com

My twin sis, Kelly, has her Spending Fast update for you below. I think she’s doing so awesome with it, and I’m extremely proud of her! If you’ve thought about doing a Spending Fast before why don’t you make 2015 the year you do it? It’s time to get out of debt once and for all, and get on with living the life you’re meant to live! You can do this! – Anna

 

I’ve messed up a lot since my last post, mostly with eating out. I knew that would be a trouble area for me going into the Spending Fast, and I was right. But, overall, the Spending Fast has not been as hard as I thought it was going to be, and I’m making progress faster than I thought I would. Anna mentioned this before, and I’ve found it to be true too. It’s starting to get fun to NOT spend money. It’s like a game or a challenge to see how much throughout the month, and I like seeing how much MORE I can save.

Even though I haven’t conquered the Eating Out beast yet, I am starting to really SEE how much it’s been costing me and it’s kind of disgusting. Delivery is such a supreme waste of money. I’ve realized that a typical lunch out costs me approximately $10. Before the Spending Fast, I didn’t realize that I can get SO MANY groceries for that amount! Since I made that realization, every time I’ve eaten out it just feels bad and so wasteful. Time and time again, I’m seeing that when I end up eating out it is ALWAYS because I just didn’t plan ahead. It’s like, why am I surprised that I need to feed myself a few times throughout the day? Whatever. I just have to be gentle with myself. This is a completely different way to deal with money so it’s not going to change overnight. And I am getting better at it.

I mentioned in a previous post that I needed a haircut and the plan was that I was going to use a gift card that I had. Well, the gift card ended up being MIA so I cut my own hair using Anna’s How to Cut Your Own Hair tutorial. I used craft scissors (because that’s what I had handy), and I really like how it turned out! It’s actually closer to what I wanted for my last hair cut than what the stylist gave me. It turned out well but then I got a little over-confident towards the end and decided to cut in a few “face-framing” layers and messed up a little but when it’s tousled in its Alexa Chung way nobody is the wiser.

Realizing how easy it is to cut my own hair it makes me wonder why the hell have I been spending $150 for a cut and color all these years…?!!? I know that a good cut can do amazing things, especially on short hair, but for me, with my longish hair, I think that after this Spending Fast I’d be willing to get my hair done professionally once, maybe, twice a year, and then in between cuts I’ll just trim it myself, as needed. Also box color works fine to cover my roots and it turns out that my highlights still show through which I didn’t expect so hey, bonus on that too!

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in Paying Off Debt, Seasonal, Societal Pressures, Spending Fast, Spending Fasters !!NEW!!
Stay Cozy + Happy Holidayz

merry christmas andthenwesaved.com

If you’re reading this, I’m thankful for you! Stay cozy, eat tons of cookies, and if you’re thinking ahead to New Year’s Resolutions… make 2015 the year you finally get out of debt! xo – Anna

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in Seasonal
8 Easy, Inexpensive Holiday Crafts to Keep the Kids Busy!

easy holiday crafts andthenwesaved.com

easy holiday crafts andthenwesaved.com

easy holiday crafts andthenwesaved.com

This is a guest post from the lovely, Sarah Ann Noel. Hope you’re having a great holiday week! – Anna 

When we found out we were moving to NYC, I decided to seriously downgrade and purge most of our belongings. I managed to turn off sentimentalism (which normally runs thick through my blood), and I really did a number on our collection of stuff. Of course, now it’s Christmastime and I’m at my most nostalgic, realizing that sometimes an emotional attachment isn’t so bad! What I left of Christmas knick-knacks seems like sparse decor for even a tiny Brooklyn apartment! So I quickly conjured up what this non-crafty mama could DIY to add some holiday cheer to our place. Below are the decorations that we’ve made for our home, and these also are great inexpensive crafts to make with kids during the loooooong holiday break!

 

8 Easy, Inexpensive Holiday Crafts (& Decorations) to Keep the Kids Busy…

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in Kids, Seasonal
Enter this Holiday Decorating Contest & Make Some Coin on Those Skillz

how to make a million with your christmas decorations (click through for more!) andthenwesaved.com

This post is part of my ongoing collaboration with Kmart. – Anna

I’ve really been enjoying the Christmas season this year despite it being unseasonably warm this year here in Denver.  So, I’ve been staying up late at night  to put on Christmas music, bake, and pretend its snowing outside. Baked goods are such an inexpensive little gift to give so I’m planning on giving the goodies to neighbors and friends. I’ll put a few treats in a plastic baggie, tie some yarn around the top, print out some holiday tags, write a little note, and call it good.

Last year Baby Henry was just about 2 months around this time but this year he’s old enough to really enjoy all the lights and wrapping paper. We’ve kept our decorations pretty simple because we knew his crabby little baby hands would have a hard time resisting low ornaments on a tree so we went with a sweet, mini tabletop tree, wrapped a bunch of colorful lights around it, and filled it up with all of our “vintage” macaroni and toilet paper roll ornaments from me and Aaron’s childhoods.

Decorating for the holidays is a tradition like none other—from decking the halls to trimming the tree—every family has its own unique way of getting their home ready for the season.

A survey was recently conducted that found… 

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in Sponsored
70k in Student Loans GONE – How We Did It

the story of how we eliminated 70,000 in student loan debt andthenwesaved.comI’m so impressed with Elliot and Alison, and I am SO INCREDIBLY happy for them! I got a chance to ask to pick their brains about how they did it. Below is the interview. – Anna

 

The Story of How We Eliminated $70,000 in Student Loan Debt in Only 26 Months…

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9 comments

in Goals, How To, Motivation, Paying Off Debt
How To Minimize Gift Giving (Without Being a Scrooge)

how to minimize gift giving without being a scroogeGift giving can so easily get out of hand. People often want (or feel obligated) to give more than what they really can actually afford. In some families, gift giving becomes sooo overblown because people end up feeling guilty or frustrated they can’t spend what others can. Don’t worry about them. You do you. While Christmas is the season of giving, you should never give more than you have. It truly is the thought that counts… even if you feel pressured to spend a certain amount. Make an effort to find ways to reduce your spending, and stress, by trying to focus on enjoying the togetherness of family and friends. And getting that to be enough.

 

You can successfully cut down on your holiday gift giving without being labeled a Scrooge by…

  • Checking Your List Twice. If you have a traditional gift list, take it out and review it carefully. You may be surprised to learn just how many people you buy gifts for each year. If you don’t have an official list, now is the time to make one. Be honest about writing down each and every person that you plan on buying gifts for. Then, take the time to review it carefully. Some people you may be able to talk to (like siblings, for example), and just ask them if you can skip the gift exchange this year. My sister, Kelly, is on a Spending Fast, as you know, and she had this conversation with all of us. Also, my husband, has this arrangement with his siblings every year, and it works out great.
  • Making Christmas for the kids. As a family, make the suggestion that adults should only buy gifts for the kids of the family. Set the kid age limit from 0 to 18 or 21 so everyone is on the same page.
  • Deciding on an adult name swap. If your family isn’t happy with just the kids getting something to unwrap Christmas morning, agree to name swap among the adults. Each adult’s name gets put into a hat and drawn by the other adults. Or, if you’re all in different states one person will be the leader by putting everyone’s name in the hat, pulling the names, and informing everyone of who their gift recipient is.
  • Skipping the stockings. Unless your family has a strong tradition surrounding the stockings hung by the fireplace, leave them empty. The extra candy and junk toys likely won’t be missed and you can save additional cash by focusing on the larger gifts wrapped under the tree. Or you can go back to the days of old and fill stockings with fresh fruit (or coal;).
  • Setting affordable spending limits. Set a reasonable spending limit everyone can afford. This can be a great way to set a limit (say $30-ish), give 1 person something they really want (rather than them getting lots of small things they don’t really care for), and everyone ends up spending quite a bit less overall.
  • Asking for a wish list. To prevent spending money on gifts no one likes, ask for a wish list from everyone with three or four things listed in the right price range to help point people in the right shopping direction.
  • Banking cash for family trips. For families that don’t have small children to give to, perhaps an all-year around savings plan can be put in place towards group holiday family vacations. Stop spending so much money during the holidays and invest it wisely in a vacation fund for next year. As a family, choose the destination together. With a great trip on the horizon, people likely won’t even miss not having gifts under the tree. (Make a tasty breakfast then volunteer Christmas morning if you’re worried about their being a hole where you’d normally be opening gifts. OR, this is one of my favorite ideas, write each other letters telling each other things you love about one another, put them all under the tree, and read them silently or to each other. Guaranteed tears, people.)
  • Planing a party. If an annual family vacation isn’t in the cards, try saving gift money to go towards a big holiday party. Focus on the people that are invited, and not on the decorations or material things. Make it a time to really remember for each of your friends and family members invited. Have everyone chip in for the food so the financial burden isn’t left to just one person or the family where the event is being held.
  • Opting out at work. Work-related expenses can be a large burden and also the cause of hurt feelings. Suggest that co-workers move to a Secret Santa idea with strict spending limits for gift-giving to cut down on expenses. You may also want to consider opting out completely of holiday gift-giving. Bring your co-workers homemade cookies or some other treat instead. I did this in the past by adding a nice note, a cute free printable holiday tag, and it worked perfectly.

 

Do you make an attempt to keep the gift-giving reeled in or do you go hog wild and deal with the consequences later? Do you have any tips for keeping costs down during the holidays?

P.S. Have you tried these pumpkin spice cupcakes with browned butter cinnamon buttercream? Omg. So good.

4 comments

in Seasonal, Societal Pressures
Earn Up to $300 in Extra Holiday Cash with these Side Jobs

holiday side jobs andthenwesaved.com

Making some extra cash for the holidays is a good way to feel better about the spending you do. You can limit the debts you’re creating and hopefully move into the New Year with a clean financial slate. Consider earning extra holiday cash to pay for the gifts you buy or for the party you plan to throw. The holidays are a prime time to take advantage of other people’s very busy schedules. A lot of times people will be willing to pay you to lighten their load by taking care of things they cannot. Win. Win.

 

9 Creative Ways to Earn Extra Holiday Cash… 

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4 comments

in Make More Money, Seasonal
Amazing Free Printable Holiday Gift Tags ✂︎

free printable holiday tags andthenwesaved.com

free printable gift tags andthenwesaved.com

There are a TON of super talented people who are kind enough to share their gift tag creation skills with us, all for free. All you have to do is print them right onto computer paper (or cardstock is even better – I got a huge package of neutral cardstock on sale that I use all the time for random projects that come up), cut them out, and you’re set.

Above are some of my favorite gift tags that I’ve found this year. They are by Tomfo, and they can be downloaded from their site here: Free Printable Christmas Tags, and DIY Printable Gift Tags on A Pair and A Spare DIY.

Other favorites:

 

Do you think you’ll make some of these printable gift tags this year? Which ones are your favorites?

one comment

in DIY, Seasonal
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!

    ⭐︎Come back throughout the day for updates.

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